A cold case heats up when Kelvin Frost, believed to have drowned in Alabama, returns from the dead to apply for more life insurance. Or has he? When a body-a dead body-identified as Kelvin Frost, turns up in Miami, murder complicates matters. Enter Luna Nightcrow, the insurance fraud investigator whose "smartphone never sleeps." After recovering a valuable Cherokee relic, Nightcrow accepts Charmed Life Mutual Insurance`s offer of $50,000 to sniff out and close down the K-Frost Caper. But it won`t be easy with so few leads or clues. That doesn`t surprise Luna. After all, when is the last time anyone saw Frost ... in Miami?