Fate Worse Than Death
by Angela Edwards
Felicity opens the front door to find two smartly dressed gentlemen.
‘Is this the home of Mr Graham Peters?’
‘Yes, how can I help you?’
‘Ah wonderful. We’re here to collect him.’
‘Collect him?’
‘Yes. We’re from Cremprem Insurance.’
‘I don’t understand. What do you mean?’
‘I’m sorry, madam. Is Mr Peters here?’
‘Who is it, Felicity?’ asks Graham as he comes to the door.
‘Ah Mr Peters. I’m Mr Jones and this is Mr Burns. We’re here about your Cremprem Insurance policy. It matured today so we are here to collect you.’
‘Collect me?’
Mr Burns points to the hearse with a coffin inside.
‘Oh, I get it, this is being filmed. It’s Michael McIntyre or Ant and Dec, isn’t it?’ he says looking round for someone with a camera. Or am I going to be on that YourTube or Tikky Tokky,’ he adds.
‘No Mr Peters, I assure you this is not a prank. Your insurance matures today, so that’s the end of the policy. You need to come with us now.’
‘You can’t be serious?’
‘Oh, but we are, sir. Now come along, let’s not make a fuss.’
‘Get your hands off me. I’m not going anywhere.’
‘I’m afraid Mr Peters you signed up for this policy. It clearly states on the form that when your policy matures that’s the end of the cover.’
‘Yes, but that means we’re due for a pay-out.’
‘Ah no. I’m afraid it doesn’t work like that. The nature of your policy now comes into effect. So, if you wouldn’t mind just getting into the coffin….’
‘I’m not getting in there. This is ridiculous. You’re both mad!’
‘I’m sorry, sir but you’ve signed the paperwork. Honestly, we have this trouble every time,’ says Mr Jones.
Neighbours hear the commotion and come out to see what’s happening.
‘Graham, what’s going on?’ says Eileen. ‘Has someone died?’
‘No. These gentlemen say they are from an insurance firm, and they want me to get in that coffin!’ he says pointing to the car.
‘Oh yes, that happened to my brother-in-law.’
‘What?’ says Graham.
‘Yes, his policy came to an end, and they came to collect him. Most unpleasant business, but that’s what you get with these cheap insurers.’
Mr Jones glares at her. ‘I can assure you madam, we are not ‘cheap’ insurers. We are overseen by the standard regulatory bodies.’
‘But this is absurd! I’m clearly not dead.”
‘Well, that’s not really my problem Mr Peters. You signed the paperwork and now you need to come with us.’
‘But I didn’t realise this would happen!’
‘Well, it is in the small print.’ Mr Jones shows him a copy of his signed policy.
‘John?’ Felicity calls over to her neighbour who is a solicitor. ‘Can you come and look at this paperwork please. We need your legal advice.’
‘Why does everyone make this so difficult. I’m just trying to do my job,’ says Mr Jones. ‘The policy has expired, you have signed the document to this effect, so now you need to get in that coffin and come with us,’ he says pointing to the car.
‘You can’t take him away, he’s still alive!’ Felicity says, crying.
‘I’m afraid he’s right, Graham. This paperwork is all in order,’ John says looking at the documents.
Felicity shrieks. ‘You can’t be serious, John? You have to help us.’
‘I’m sorry Felicity, the policy clearly shows these gentlemen are correct and entitled to take Graham away. You should never have signed this document.’
‘I told you we should have had someone look over the paperwork first Graham, but would you listen. Oh no, you knew best. Now look what’s happened. No wonder they gave us such a generous gift card for joining.’
‘Come along now sir, we don’t have all day. We have other people to collect. In fact, I understand that your policy will be maturing next month Mrs Peters, so you will be joining your husband quite soon,’ says Mr Burns. ‘You might want to start getting your affairs in order for then.’
‘What! Over my dead body! I’m not going off anywhere with you, and certainly not in a coffin!’
‘Well, I’m afraid you won’t have much choice in the matter. As your friend here has stated, our paperwork is quite in order.’
‘Please you can’t do this…Please don’t kill my husband.’
‘No no, Mrs Peters. Of course we’re not going to kill him. What do you take us for? We’re not murderers!’ says Mr Jones. ‘He will just be joining all the others working at our head office.’
‘Office work?’ says Graham.
‘Yes, we have nice offices. Your coffin has all the mod cons and comes fitted with air conditioning and Wi-Fi.’
‘You mean I have to stay in the coffin?’
‘Well, yes, of course you do. The lid twists ninety degrees so it becomes your work desk during your working hours. You’ll find it very comfortable.
‘There’s a generous benefits scheme in place. When you sign others up for our policies, you’ll receive awards. These can be activated and exchanged for things like days off, or free upgrades to your own eventual funeral,’ says Mr Burns.
‘We had an outing recently to an adventure park, that was fun. The ghost train and haunted house rides were quite popular with the staff.’
‘Oh, you are funny Mr Jones…the ghost train!’ laughs Mr Burns nudging Graham.
‘Some staff opt to save up their bonus for visits with their husbands or wives. We do respect your conjugal rights here at Cremprem.’
‘What!’ Graham splutters. ‘My conjugal rights?’
‘Yes, that’s correct. Your coffin is quite roomy.’
‘Did you know Mr Jones, Clive has put a note on his coffin lid. It says, “If this coffin is a rockin’ then don’t you come a knockin’.” He’s the office joker is our Clive,’ says Mr Burns.
‘But…. I’m not doing that in a coffin!’ he shouts.
‘Well, that’s up to you sir. Anyway, come along now we must be going. We’ve got to collect another five people today. Your wife can bring in anything you need once you are settled in.’
‘I’m sorry Graham, you have no choice. You have to go with them I’m afraid,’ says John.
‘So, what exactly will I be doing in the office?’
‘You’ll be phoning people to sign them up for our policies at our call centre.’
‘Oh my God,’ says Graham. ‘You want me to work in a call centre? Kill me now! That’s a fate worse than death!’
Biography
Angela lives in Birmingham with her partner and works part-time for a firm of solicitors. She has always enjoyed reading and writing and after attending a range of creative writing courses in recent years, she has discovered a love for writing short stories.
Having only recently started entering her stories into competitions, Angela is delighted to have been longlisted with one international competition in September, and absolutely thrilled to have been awarded third place with her story Fate Worse Than Death for the Doris Gooderson Short Story Competition 2023.
In her spare time, she plans and writes her stories, inspiration for which she finds everywhere. She does however spend far too much time on her book-buying habit and going on Instagram to look at more books. You can find Angela there: @ang.all.about.books