When Mr. Jin S. Xue started to represent the insurance company, one applicant applied for life insurance and handed in his first premium check on Friday afternoon. Unfortunately, the applicant was shot to death the next day. The death claim was paid due to the fact the applicant was in good health when he applied for the coverage, and the first month payment was collected. However, it took six months for the police investigation report and the final decision from the insurance company.  The family was eventually compensated for the insured amount.