Northern Lights Insurance has a team of insurance investigators. Funny and talkative Boss Keung is the team leader. His three team members are: TO SUM-YU (Annie Liu), daughter of a rich family; BAK TIN-MING (Bosco Wong), and affectionate guy; and CHEUNG TUNG (Michael Miu), a retired cop. They each have their forte. They have earned themselves a stellar reputation in the realm of insurance investigations as they can always unravel the intricacies and find the truth no matter how nasty, dangerous or outrageous the case maybe. Even though almost 90% of the cases they handle end up with the insurance company having to cough up, their mission is to get the bottom of the matter while maintaining fairness, impartially and righteousness.