What is the scariest thing a horror author can conjure out of his imagination? A vicious extraterrestrial monster, a vengeful phantom, the boogeyman under the bed? According to Bentley Little, it is an insurance agent! However, this insurance agent doesn't just bother people with a few phone calls or glossy brochures. He also strongly suggests to his clients that if they turn down his policies, some ghastly events will occur, helped along by a group of supernatural insurance company enforcers. The characters in "The Policy" are caught up with just such an insurance agent, forced to take more and more insurance coverage until they are faced with making the most Faustian of contracts to stay secure. Eventually, overinsured Hunt Jackson and his friends have had enough, and they set out to destroy the insurance company.
As with other Little novels, this one takes an ordinary organization and turns it into all-powerful and horrific evil. But this story is more outrageous than the rest, to the point where it has more than one foot into spoof territory. The author does build up a lot of suspense, although it is interspersed with off-the-wall insurance claim handling and policy fine print. I would have given the book 4 stars were it not for the ending, which was silly and surreal. All in all, though, this was an entertaining read.