Original subtitles

I prepared the insurance claim documents.

Good job.

Yes, sir.

INSURANCE CLAIM FORM

Around the world,

ugly deals happen behind closed doors.

Just a moment, sir.

A single medical certificate.

A one-line accident report.

As you trace the hidden truth on that sheet of paper,

you may come across scumbags

who trade human lives for money.

Digging into all of this…

is my job.

It's gone cold.

Add more steam.

Damn it.

Hey.

Who the hell are you?

Relax.

I'm not in your line of work.

You're out of your damn mind.

Do you know who I am?

I noticed you were pretty well insured.

How many should I chop off?

Kim, a man in his thirties,

has been arrested for arranging intentional finger amputations

to claim workers' compensation payouts worth billions of won.

Kim used promises of high profit to recruit participants,

persuaded them to amputate their fingers, and had them sign up for workers' comp,

ultimately pocketing around three billion won in fraudulent claims.

NONGHYUP LIFE INSURANCE

The police have uncovered a scheme in which job seekers,

including foreign workers,

were lured into work and intentionally harmed on the job

to collect tens of billions of won in insurance…

Thanks to you, Mr. Cha, we lost another group contract.

Right.

But we saved over ten times on the payout.

Yes.

Excuse me?

Oh, I'm terribly sorry.

It's not just any barber shop, but a private one.

Right, and it's members-only.

Of course, we'll make sure you're compensated.

Yes, I'm sorry about that.

What's the point of saving on the payout

if all the operating funds go to cleaning up after you?

Maybe I'll take a vacation, then.

With no operating funds, I might as well rest.

That's not what I'm saying. I'm just asking you not to overdo it.

You could call the police instead of handling it yourself.

You know they never arrive on time.

Mr. Cha! I've got bad news.

Do you remember Chae-rin?

This is all my fault.

I've been struggling to get by since my divorce

and had to leave my child alone.

I know you're worried, but I heard what happened from her.

It's a huge relief that you have insurance.

My poor Chae-rin. I don't know what to do now.

She has third-degree burns on 40% of her body.

Her mother already filed an insurance claim.

I rubbed my eyes a lot

while I was asleep…

and couldn't see the next day.

1 YEAR AGO

Really?

Yes.

But my mom gave me a lot of pocket money

because I had a rough time being unwell.

With this, you can play video games, buy snacks,

and even try the claw machine.

Are you giving this to me?

Yes.

Thank you.

Mr. Cha.

It really was an accident.

I was trying to eat instant noodles,

but I spilled them.

Chae-rin…

I'll stop by tomorrow for a test drive.

Okay, see you tomorrow.

Big money coming in, I see.

Fifty million won for loss of vision.

Seventy million for the burn injuries.

What's next?

The police ruled it an accident. Who are you to say anything?

You still call yourself a mother?

That kid is lying to protect a mother like you…

even though she almost died.

I'll make sure…

to put you behind bars.

VIP INVITATION SPECIAL AUCTION

This way.

I'm looking forward to this.

What's this?

Ms. Kim, you must've worked so hard.

Not at all.

When did you prepare this? Just look at the colors.

Now this is art.

Well done!

It's all thanks to you.

Hey!

-What the heck? -Are you insane?

Do you know how much this is worth?

What the hell do you think you're doing?!

That's what I want to ask.

Ms. Han!

Tell me what the hell is going on!

Please get rid of this before the clients arrive.

How could you tear up a work of art?

You're the chief auctioneer.

Which is it?

If you knew it was a forgery, then you committed a crime.

If you didn't,

then you don't deserve to be an auctioneer.

It's not a forgery.

It was consigned to me by Artist Jeong's son.

Artist Jeong

suffered a stroke and is in a nursing facility.

He can't even hold a brush.

But the appraiser said…

Had we sold that painting,

not only would it have humiliated the auction house,

but it would've made you legally liable.

I'm going to investigate this thoroughly,

so be prepared.

THE LATE CHA WOO-HEE OCTOBER 8, 1993 - AUGUST 28, 2020

Although the circumstances are suspicious,

there's no objective evidence that the accident was intentional.

You bastard.

Let go of me!

Keep still!

REDEVELOPMENT THAT IGNORES THE RESIDENTS MUST STOP!

HYUN-SU'S FRUIT

I didn't lie like my friends did

and was honest about taking a trip with my boyfriend.

So trust me, okay?

POLICYHOLDER: CHA WOO-HEE

BENEFICIARY: JU HYUN-SU

As only the charge of causing

the victim's death through negligence has been sustained,

the defendant, Ju Hyun-su,

is hereby sentenced to one year in prison.

I'll never be fooled again.

Never.

MAY YOU ALWAYS ACHIEVE GREATER SUCCESS

VIP INVITATION SPECIAL AUCTION

Ms. Han is here.

VIP INVITATION SPECIAL AUCTION

We'll begin now.

This is Black Ink & Light by Ahn Byeong-woon.

We'll open at 100 million won

and take bids in ten million won increments.

100 million?

110 million?

120 million?

130 million?

Next up, we have Genuine Comfort by Hanna Lien.

This is a symbolic piece

that embodies pets as a metaphor to reflect the essence of human society.

I look forward to seeing who the successful bidder will be.

160 million won? At 160 million.

170 million won?

Now, for the moment we've been waiting for.

The highlight of today's auction,

Universe by Choi Jung-soo.

This is a monumental work by Choi Jung-soo

that pushes the boundaries of contemporary painting.

This piece combines painting, textiles,

and the physical properties of light,

making it one of their signature works.

This lot is expected to achieve the highest bid of today's auction.

Let's open the bidding.

4.85 billion won?

We have 4.85 billion.

4.9 billion won?

We have a 4.9 billion absentee bid.

4.95 billion won?

We have 4.95 billion won.

Five billion won?

We have a five billion won absentee bid.

5.05 billion?

5.05 billion?

We have 5.05 billion won.

The highest bid so far is 5.05 billion won.

5.1 billion?

I'm checking the floor. We have 5.1 billion.

We received a bid for 5.1 billion.

5.15 billion?

We have 5.15 billion.

5.2 billion won?

We have 5.2 billion.

Paddle 86 currently holds the highest bid at 5.2 billion won.

Anyone at 5.25 billion?

We have 5.25 billion for Paddle 64.

Looking for 5.3 billion.

Yes, Paddle 86.

We have 5.3 billion.

That's the highest bid.

Let me ask bidders in the room and on the phone again.

5.35 billion?

It may take a little while to decide,

so I'll give you some time to consider.

We're bidding at 5.35 billion won.

I'll call it three times before closing the bidding.

5.35 billion?

5.35 billion?

5.35 billion?

After an intense bidding,

Paddle 86 has secured the lot at 5.3 billion won.

Come on.

I give up.

What if Mr. Song sees you?

Why are you still here?

For market research.

I want to see which type of champagne the guests prefer.

Seriously? You didn't say a word earlier.

You're already dealing with a lot, so I didn't want to bother you.

I'll leave after a bit.

By the way,

she's the associate auctioneer, right?

Why do you ask?

No reason.

I just get a bad vibe from her.

I'll be back.

Are you okay?

Yes, I'm fine.

Thank you for helping me secure such a great piece today.

I've only placed bids online before,

but live auctions are much more fun.

I noticed you eyeing that piece at the auction preview,

so I knew you'd be here today.

You remember me?

I don't believe we've actually met before.

Once I see someone, I don't forget them.

You don't forget, huh?

Ever?

I'm Paek Jun-beom.

I'm Han Seol-ah.

It's a pleasure to meet you.

You're Mr. Paek Jun-beom, CEO of Your Home, right?

The artwork you selected today was exceptional.

I hear you've got all the most sought-after pieces these days.

This is our associate auctioneer.

She's very good at what she does,

so I'll leave you two to talk.

Please excuse me.

Wait…

I'm Kim Yun-ji.

If you have any pieces to consign for the next auction,

please allow me to handle them.

"Associate Auctioneer Kim Yun-ji"?

Yes, sir.

You don't know when to step in

and when to stay back, do you?

TRANQUILIZER

Ms. Kim, we're still on the job.

So?

I smell alcohol on you.

You should be careful when you deal with VIPs.

Are you sure you're not just upset that I butted in earlier?

Ms. Kim Yun-ji.

Let's behave like professionals.

You know,

you've got quite the mental strength.

You're definitely a professional, Ms. Han.

Isn't wanting to die the normal response at this point?

What are you trying to say?

I'm curious.

If the secret you've been hiding is out in the open,

would you still be so composed?

I'm curious to see the look on your face

when I take the main podium from you.

The main podium?

With your skills?

I won't hold back anymore.

Enjoy what time you have left.

Not that there's much of it.

Hello?

Mr. Cha Woo-seok?

Yes. Who's this?

I want to report insurance fraud.

Insurance fraud?

Sure, go ahead.

It's a murder.

A murder committed for an insurance payout.

Why did you call me instead of the police?

The police can't be trusted. They dismissed this case as an accident.

I've heard rumors about you.

Once you're after something, you never let it go.

You're the only person I can trust now.

I'll tell you everything I know.

When did you get here?

Just let me sleep.

I've been on a stakeout for three days in a row.

Go home and sleep comfortably, then.

It's too far.

Where are you going at this hour?

I got a tip about a murder-for-insurance case.

Go back to being a cop already.

It's in your jurisdiction.

Your call cannot be connected.

You will be directed to voicemail, and charges will apply after the…

She's not answering.

What the heck?

SIU INVESTIGATOR CHA WOO-SEOK

MISSED CALL

Please don't take any photos!

Move out of the way!

Three meters?

Yes, they said she landed three meters away from the exterior wall.

The distance doesn't quite add up.

No, it doesn't.

If she'd slipped or committed suicide,

she would've landed within two meters.

Secure the CCTV footage from the auction house,

and trace her whereabouts around the time of the fall.

Got it.

Her legs, lower back, ribs, and spine have all been fractured.

The fracture pattern is typical of a fall.

The direct cause of death is organ failure due to multiple fractures.

Is this a suicide, then?

That's the most plausible hypothesis,

but I found minute petechiae around her neck and inside her lips.

Are you saying she was strangled?

No.

The petechiae are too faint to make that conclusion.

But it's possible someone suddenly grabbed her by the neck.

GANGHA POLICE STATION

This can't be a coincidence.

What happened?

The victim was going to report an insurance-related murder.

So you went to see her, and she just fell to her death?

Yes, sir.

And Cha Woo-seok received the tip?

Hey, Ggong. You and I will handle this case.

Excuse me?

Sir, Eun-gyeom and I can…

I won't have Cha Woo-seok poking around in our jurisdiction.

But you're okay with running into him?

He won't be okay with it,

since he still thinks I let his sister's killer walk free.

Is that what you think too?

I think we all did what we could from our own point of view.

A case has no point of view. There's only the truth.

And if you can't accept that, you'll end up like Cha Woo-seok.

We'll investigate again since you filed a report,

but if she continues to deny it,

there's nothing else we can do.

Goodbye, then.

What should we do?

We'll come every day

to show her there are other adults who will protect her.

You head back first.

I'm going to stop by Royal Auction.

Okay.

Oh, Ms. Kim Yun-ji's case was ruled a suicide, right?

This month marks two years since she took out the policy,

and the suicide exclusion period has passed too.

She wanted to report a murder committed for an insurance payout.

An hour before she died.

Would someone on the verge of suicide do that?

-Let me give you a hand. -Oh, thank you.

Damn it.

That's it!

The blades turned away.

Funny how it worked when you showed up.

I guess Ms. Kim didn't like you.

Our company is a mess right now.

My apologies.

Chair Kim.

The police are coming to investigate.

This final year of misfortune is making quite a commotion.

I'm sorry, ma'am.

I should've been more attentive to my team member.

I'll take care of the police.

Well, you're in charge of PR as well, so you should.

Then what's the point of having a managing director?

Right, it makes more sense that I meet with them on behalf of the company.

They'll want to speak with someone who worked closely with Ms. Kim.

If Mr. Song talks to them,

it could make the situation seem more serious.

You sure you'll be okay?

Yes.

I'll make sure this is dealt with quietly.

All right.

Quietly…

I like the sound of that.

Hello.

I'm Chief Auctioneer Han Seol-ah at Royal Auction.

I'm Detective Pyo Seong-il from Gangha Police Station.

I'm Gong Joo-young.

This is just a basic inquiry into the incident,

so there's no need to feel any pressure.

Okay, please take a seat.

Okay.

First off,

can you tell me about that night?

There was an event exclusive to Royal Auction VIP members,

followed by an after-party that went on until around 10 p.m.

What role did Ms. Kim Yun-ji have?

She was an associate auctioneer.

No CCTV cameras in the emergency staircase.

A murder committed for an insurance payout.

I'll tell you everything I know.

After that, she committed suicide here?

Did you notice anything unusual about Ms. Kim that day?

Did she perhaps get into an argument with someone?

She seemed fine from what I could tell.

As her colleague, do you have any idea what might've happened?

I didn't know much about her private life.

CHIEF AUCTIONEER: HAN SEOL-AH

How many auctioneers does the company have?

Ms. Kim and I are the only ones who actually run the auctions.

Everyone else is still in training.

Can we get the list of event participants?

The VIP list is confidential,

so it can't be released.

They're witnesses who were at the scene.

One of them could be a suspect.

Is there any evidence that it was a murder?

Your colleague is dead,

but protecting your clients is more important to you?

Detective Gong.

Please bring a warrant.

If you have more questions,

please send them in writing.

When was the last time you saw Ms. Kim Yun-ji that day?

Where were you at the time of the incident?

Was that a difficult question?

It seems like you can't answer.

I was in the Auction Team office.

I didn't see her again after the after-party.

This is the extent of the cooperation I can provide.

If it seems too perfect, there's a good chance it's not true.

I'll look into Han Seol-ah

and her relationship with Kim Yun-ji.

So there is something, huh?

I don't expect much from the police,

but let's help each other out.

No thanks.

Forget the easy way and go the long way, then.

Just go sell insurance.

You still think you're a detective?

I get that a lot from my boss.

Let's go.

It's funny how cops are good at taking small bribes,

but they can't sniff out big money.

Watch yourself.

Why are you angry?

Do you have regrets?

Do I make you uncomfortable?

You little bastard.

What are you two doing? You can't do this here!

Hey, Ggong.

If even one investigation detail

gets leaked to the insurance company,

be prepared to lose your job.

TYPE: PERFECT ONLIFE SWITCH INSURANCE POLICYHOLDER: KIM YUN-JI

Kim Yun-ji was treated for depression for a long time.

I'm seeing a lot of signs that point to suicide.

What did the people at the auction house say?

The chief auctioneer showed up, but she wasn't cooperative.

Han Seol-ah, was it?

It's this woman.

ART AUCTION HOUSE "ROYAL AUCTION" REVENUE UP 28% FROM LAST YEAR

Han Seol-ah.

HAN SEOL-AH

FIRST FEMALE CHIEF AUCTIONEER AT ROYAL AUCTION

THE CINDERELLA OF THE AUCTION WORLD CHIEF AUCTIONEER HAN SEOL-AH

"I DON'T LOOK, I READ THE ROOM"

"PEOPLE THINK AUCTIONEERS JUST CALL BIDS…"

HAN SEOL-AH ENTERED THE AUCTION WORLD 8 YEARS AGO…

"WINNING A BID COMES DOWN TO TRUST AND TIMING"

AUCTIONEER

Please stop crying.

Yun-ji…

I feel so sorry for her.

She was excited about debuting soon.

Debut?

Mr. Song promised to get rid of Ms. Han

and promote Yun-ji in her place.

Really?

Why?

That's not what's important right now!

Look at what happened to Yun-ji!

It's Ms. Han.

It's probably a battery problem.

Your smart key, I mean.

I guess you're right.

Don't call a tow truck.

I'll help you.

Your key fob, please.

Hold the key fob against the start button and press it.

It should start your car.

Thank you. I owe you one.

You can pay me back.

If we ever meet again, that is.

SOCHEON FUNERAL SERVICE

NONGHYUP LIFE INSURANCE

VIEW INSURANCE POLICY

KIM YUN-JI

TYPE: PERFECT ONLIFE SWITCH INSURANCE

PARTIES TO THE POLICY POLICYHOLDER: KIM YUN-JI

AUTO PAYMENT ACCOUNT DETAILS NAME: JANGWON BANK

HAN SEOL-AH

What?

POLICYHOLDER: YOON SEUNG-JAE

Yoon Seung-jae.

Thirty-five years old.

The total death benefit is 700 million won.

The beneficiary is…

BENEFICIARY: HAN SEOL-AH

Han Seol-ah?

POLICY CHANGE HISTORY

Canceled?

YOON SEUNG-JAE PHONE NUMBER: 010-0532-9655

The phone you are trying to reach is turned off.

You will be directed to voicemail after the beep and charges…

Hello?

Is this Mr. Yoon Seung-jae's home?

Yes. Who's this?

Hello, I'm Cha Woo-seok, an SIU investigator.

I need to confirm a few insurance-related matters.

May I speak to Mr. Yoon Seung-jae?

Seung-jae…

is dead.

He died ten days ago.

CHANGE DETAILS: CANCELLATION (WITHDRAWAL) DATE: MAY 23, 2025

The bride needs to smile more.

Are you nervous?

You look so stiff.

Give me a big smile.

Now face each other.

Nice.

That's nice.

See? It's much better now that you're smiling.

POLICYHOLDER: YOON SEUNG-JAE

He paid the 200 million premium upfront.

It's a VIP-only insurance policy for high-net-worth individuals.

I think this is the case Kim Yun-ji was going to report.

I'm going to the police station.

Hey, hold on.

GUARANTEE INSURANCE WITHDRAWAL/CANCELLATION CONFIRMATION

What's this?

It's a cancellation.

Oh, you're right.

This won't even count toward performance, so why…

Where did he go?

Is he in detective mode again?

I never should've brought him here, right?

It's all my fault, right?

Her fiancé died just ten days ago.

Did she file an insurance claim?

No, that's the strange part.

The policy was canceled

right before he died.

Why did he do that?

Kim Yun-ji definitely knew something.

Han Seol-ah

was about to lose her chief auctioneer title to Kim Yun-ji.

From where Han Seol-ah stands,

Kim Yun-ji's death ended all her troubles.

Look into the details of her fiancé's death.

Okay.

Han Seol-ah's fiancé

was in a yacht accident.

AUTOPSY RESULTS RULE THE DEATH AS DROWNING

Drowning?

We meet again.

Let me officially introduce myself.

I'm Cha Woo-seok, an SIU investigator.

NONGHYUP LIFE INSURANCE SIU SENIOR MANAGER CHA WOO-SEOK

Ms. Kim Yun-ji was a client of ours.

That's why I'm investigating

whether her death was a suicide

or…

a murder.

You sound like a detective.

Do SIU investigators handle actual investigations too?

We at least look into it.

I told the police everything I know.

You didn't mention she was competing for the chief auctioneer position.

I never considered her as my competition.

How do you feel?

Tens of billions of won are in your hands to decide.

Raising a couple of hundred million won would be a piece of cake.

I bet money doesn't even feel real to you.

I wonder what your salary is.

I get the feeling that a regular salary wouldn't satisfy you.

An auctioneer is no different from a regular office worker.

It must be hard

for a regular office worker like you

to be constantly compared to wealthy clients

and to need nice clothes and a nice car for the job.

That's what most people think,

only judging by what they see.

If you're done talking, please excuse me.

Yoon Seung-jae.

This is Gong Joo-young from Violent Crimes Unit 1.

Hello? I'm listening.

The woman who died at Royal Auction didn't commit suicide.

She was murdered.

RECORDING

Are you a witness?

Hello?

Yoon Seung-jae.

A successful businessman who ran a restaurant.

Ten days ago,

he took a yacht out on the river and died.

The death benefit amounted to 700 million won,

and you were the beneficiary.

You two

weren't family.

He was my fiancé.

Did you already know?

That he canceled his policy before he died?

Yes.

What a shame.

If he hadn't canceled it,

you could've held 700 million won in your hands.

You must have a lot of time on your hands

to investigate a canceled policy.

You couldn't receive the death benefit, but the 200 million won premium

was returned to Mr. Yoon's account.

And you're assuming that money came my way?

You think I killed my fiancé for a measly 200 million won?

Tell me.

What does his accident have to do with what happened to Ms. Kim?

I can smell it.

The stench of someone…

trading human lives for money.

SPECIAL THANKS TO LEE ELIJAH AND HA SEOKJIN FOR THEIR APPEARANCE

What was Kim Yun-ji trying to reveal before she was murdered?

You've heard of Yoon Seung-jae, right?

Kim Yun-ji and Yoon Seung-jae met,

and they both died.

Wrongful death?

What about wrongful suspicion?

A love triangle?

The most common motive for murder is love affairs.

What is it that you really want to know?

Your fiancé and Kim Yun-ji.

Did you kill them?

Subtitle: Jenny Kim