殷然（蔡思贝 饰）生长在一个和睦的家庭之中，为人正直善良，颇受朋友和长辈们的喜爱，然而，某日，厄运毫无征兆的降临到了她的头上，殷然的父母在一场事故中双双去世，保险公司拒绝赔偿，事故的起因亦颇为蹊跷。毕业后，殷然放弃了救死扶伤的医生志愿，转而成为了一名保险公司调查员，只为了有朝一日能找出事件的真相抚慰父母的在天之灵。 　　某日，殷然遇见了名为乔文杰（吴启华 饰）的陌生男子，乔文杰和管家张克莱（周骢 饰）过着离群索居的生活，身世过去都是谜团，这样的男子却和殷然组成了搭档，共同调查保险赔偿意外。乔文杰有着一段不为人知的悲伤往事，而凌若菲（李诗韵 饰）的出现让这段往事再度浮出水面。

Kiu Man Kit is a knowledgeable gentleman living an affluent lifestyle who runs an online antique business. He has been living alone ever since the passing of his wife, Chong Wing Yi. The only person who knows about his past is his butler, Cheung Hak Loi. Until one day, Kiu Man Kit comes across an insurance investigator names Yan Yin at the hospital, sending ripple effects to his quiet life. When Yan Yin tries to find out the cause of her late parents' accidental death, she discovers her life is somehow tied to his. In order to get closer to Yan Yin, Kiu Man Kit joins her insurance company to help with her investigation and gets to know her suitor, Cheuk Sing Yeung. Gradually, Kiu Man Kit and Yan Yin realize that all the accidents are somehow seen as if they have been controlled by someone. Just as they are about to get to the truth, Kiu Man Kit meets Lin Yeuk Fei who bears a resemblance to his late wife. At the same time, it turns out Cheuk Sing Yeung and Lin Yeuk Fei's upbringings are also hidden with secrets.