In Dr. Cooper's dental clinic a girl named Monica Cobb dies. The reason: heart stoppage. Nick begins to investigate when a woman from the insurance company tells him that Monica had a life insurance policy of about $2.5 million. Her business partner Morris now gets the money. And there is also a mysterious friend: Sandy Parker. After the money is stolen, Sandy is suspected. While Nick talks to Zach Sanders who knows all of them from college, Dr. Cooper is killed. And then the next surprise: The dead girl from the dentist isn't Monica Cobb.