Cheng Ji was originally a dedicated teacher, living a life of poverty but happiness with his beautiful wife Luo Fanghui, who was unemployed and pregnant at home. Until one day, a thug named Miao Dajun came to their door to collect a debt, Cheng Ji learned that his wife had accumulated high-interest loans from gambling. From then on, their peaceful lives began to be overwhelmed by turmoil.
The family's difficulties, professional setbacks, and the pressure from the high-interest loans left Cheng Ji feeling cornered. At this time, filled with despair about life, Cheng Ji met an insurance agent named Ma Lanlan after an accident. Following her recommendations, he spent all his savings on a substantial insurance policy and conceived the idea of faking his death to claim the insurance money. His repeated attempts to stage his accidental death failed, and just as he was losing hope in his plan, he mistakenly thought a girl was attempting suicide during a school-organized sea excursion and tried to save her. However, he accidentally fell into the water himself. Despite everyone’s efforts to rescue him, they were unsuccessful, and it was believed that Cheng Ji had tragically passed away.