The Risk Profession

The men who did dangerous work had a special kind of insurance policy. But when somebody wanted to collect on that policy, the claims investigator suddenly became a member of ...

The RISK PROFESSION

By DONALD E. WESTLAKE

Mister Henderson called me into his office my third day back in Tangiers. That was a day and a half later than I'd expected. Roving claims investigators for Tangiers Mutual Insurance Corporation don't usually get to spend more than thirty-six consecutive hours at home base.

Henderson was jovial but stern. That meant he was happy with the job I'd just completed, and that he was pretty sure I'd find some crooked shenanigans on this next assignment. That didn't please me. I'm basically a plain-living type, and I hate complications. I almost wished for a second there that I was back on Fire and Theft in Greater New York. But I knew better than that. As a roving claim investigator, I avoided the more stultifying paper work inherent in this line of work and had the additional luxury of an expense account nobody ever questioned.

It made working for a living almost worthwhile.

When I was settled in the chair beside his desk, Henderson said, "That was good work you did on Luna, Ged. Saved the company a pretty pence."

I smiled modestly and said, "Thank you, sir." And reflected to myself for the thousandth time that the company could do worse than split that saving with the guy who'd made it possible. Me, in other words.

"Got a tricky one this time, Ged," said my boss. He had done his back-patting, now we got down to business. He peered keenly at me, or at least as keenly as a round-faced tiny-eyed fat man can peer. "What do you know about the Risk Profession Retirement Plan?" he asked me.

"I've heard of it," I said truthfully. "That's about all."

He nodded. "Most of the policies are sold off-planet, of course. It's a form of insurance for non-insurables. Spaceship crews, asteroid prospectors, people like that."

"I see," I said, unhappily. I knew right away this meant I was going to have to go off-Earth again. I'm a one-gee boy all the way. Gravity changes get me in the solar plexus. I get g-sick at the drop of an elevator.

* * *

"Here's the way it works," he went on, either not noticing my sad face or choosing to ignore it. "The client pays a monthly premium. He can be as far ahead or as far behind in his payments as he wants--the policy has no lapse clause--just so he's all paid up by the Target Date. The Target Date is a retirement age, forty-five or above, chosen by the client himself. After the Target Date, he stops paying premiums, and we begin to pay him a monthly retirement check, the amount determined by the amount paid into the policy, his age at retiring, and so on. Clear?"

I nodded, looking for the gimmick that made this a paying proposition for good old Tangiers Mutual.

"The Double R-P--that's what we call it around the office here--assures the client that he won't be reduced to panhandling in his old age, should his other retirement plans fall through. For Belt prospectors, of course, this means the big strike, which maybe one in a hundred find. For the man who never does make that big strike, this is something to fall back on. He can come home to Earth and retire, with a guaranteed income for the rest of his life."

I nodded again, like a good company man.