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When an ordinary individual wins the lottery, their life takes an unexpected turn. Instead of indulging in luxury, they invest in a groundbreaking venture. In this case, it was an Insurance Agency that offered policies covering every person born between 1964 and 2024. With an innovative approach, they create a Blanket Coverage Policy, ensuring insurable interest for their Clients, John Doe, Inc., and (Dba) Jane Doe.

As the agency thrived, questions arose about the implications and ethics of such widespread coverage. And one of the burning questions was: What happens when one entity holds the insurance policy on every individual born in the last sixty years? How does this influence the lives of those insured, and what hidden agendas might be at play?

THE DESCENDANT DOCTRINE delves into the complexities of insurance, morality, and the power dynamics that emerge when one person holds the fate of millions in their hands. As the story unfolds, readers are taken on a journey through legal battles, ethical dilemmas, and the personal transformation of the protagonist, who must navigate the challenges of their revolutionary venture while uncovering deeper truths about society and humanity.

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