The Policy by Bentley Little

After his divorce, Hunt Jackson decides to start over in Tucson, where an old buddy fixes him up with his wife's friend, Beth. The attraction is immediate, and they're married a few months later.

But Hunt's happiness is marred by his bizarre encounter with an insurance agent whose insistence that Hunt increase his coverage sounds, incredibly, like a threat.

The agent — tall, gaunt, oddly dressed in an old-fashioned suit and fedora — is himself a menacing figure.

And it soon becomes clear that whoever turns down his "offer" suffers catastrophic consequences: property destruction, fire, tornadoes — in tornado-free Arizona!

What is going on? Hunt and Beth are determined to find out — never suspecting that the company's policy for life insurance will turn out to be more terrifying than death....