Insurance investigator Abraham Holt travels to a tiny town in rural Minnesota to look into a particularly unusual insurance claim stemming from a horrific car accident. As Holt examines the scene of the wreck, it all seems a bit too perfect. And when he interviews Isold Mcbride and her shifty husband, Fred -- the impoverished beneficiaries of the massive, recently initiated life-insurance policy -- he begins to suspect that something is amiss.

A single mum looks for love in the lonely-hearts pages, but someone has already decided to play cupid - her eight year-old son…

In a parallel universe, after overhearing a shocking secret, precocious orphan Lyra Belacqua trades her carefree existence roaming the halls of Jordan College for an otherworldly adventure in the far North, unaware that it's part of her destiny.