A meek agent at the Showa Life Insurance company receives a phone call from a customer who says that she's planning to commit suicide and wants to know if her policy will pay out. Concerned about her safety, the agent visits her house only to find that her young son has hanged himself. As he investigates further, more and more people connected with this family start having "accidents," and if he's not careful, he might be next. 你相信一个人没有心吗？。不是恐惧，而是不舒服。典型的日式恐惧?。黒い家。鸡舍中的狐狸。我擦好恐怖的女的。日韩版本比较。你和我。还没看的人不要看了绝对失望。 若规慎二（内野圣阳 饰）是生命保险公司下非正常死亡赔偿事务的调查员，某日若规应邀到客户菰田重德（西村雅彦 饰）家中做客，意外撞见菰田的继子和也上吊的自杀现场。事后菰田夫妇未表现出过多悲伤，反而不断催促若规索取赔偿金。 若规根据种种疑点推断和也绝非自杀，暗中展开调查。菰田夫妇则从最初的催促演变成恐吓，令若规疲惫不堪。最后经警方调查，认定和也确系自杀，菰田夫妇得到巨额赔偿。本以为事情告一段落的若规很快得知，菰田重德做工时不慎被切断双臂，其妻幸子（大竹しのぶ 大竹忍 饰）有很大嫌疑。若规重新介入其中，不曾想却陷入一个比想象的更为黑暗的漩涡之中……
