"What...what should we do?" Wang Yao was also dumbfounded by the bespectacled ghost's question.
"What can we do? We'll just get killed and eaten, or we'll lay eggs and be eaten, and in the end, we'll still get killed and eaten. Tell me, isn't it frustrating for a ghost to be reincarnated into this world? That's why we need this reincarnation insurance..." the bespectacled ghost said.
"So, if I buy reincarnation insurance, I won't be reincarnated as a chicken or duck?"
Wang Yao asked, and finally understood what the slogans he had seen meant; they weren't just some kind of cursing he had thought.
The sayings like "If you don't behave like a ghost today, you'll only be able to behave like a chicken tomorrow" and "If one person is lazy, the whole group is a pig" are not just metaphors, but real facts. You really have to behave like a chicken or a pig!
"How is that possible? Everyone become human? What will the beings in the cycle of reincarnation eat?" The bespectacled ghost glared at Wang Yao as if he had seen a monster, and shouted loudly.
“But… if you buy reincarnation insurance, and you still end up as a chicken or duck, then what’s the point of buying this insurance?” Wang Yao was a little confused here.
"If you become a chicken or a duck, you won't have to come back as a ghost?" the bespectacled ghost asked loudly. "I bought reincarnation insurance. When I become a ghost again, I can go to the underworld insurance agency to file a claim. I suffered a loss in my past life, so my next life will be much easier. I can receive a settlement allowance from the underworld!"
“But, in this cycle of reincarnation, I went from being a ghost to a domestic fowl, and was slaughtered again. Then I went from being a domestic fowl back to a ghost. How could I remember buying reincarnation insurance in the underworld when I was a ghost? This… is this not nonsense?” Wang Yao was dumbfounded.
"If you can't remember, why don't you check with the local Underworld Insurance Company? The Underworld Insurance Company is the largest insurance company in the Underworld. They won't cheat you out of your two insurance premiums. As long as all the terms and conditions are met and there are no deductible situations, you can usually receive the insurance premiums from the Underworld Insurance Company," the bespectacled ghost said.
"This... can reincarnation insurance be exempt from compensation?" Wang Yao wondered again.
"Of course, if you become a chicken and then run wild in the human world pecking at children, or don't do what a chicken is supposed to do and run away to become a wild chicken, or die unwillingly before growing up and failing to fulfill the mission of a chicken, it seems that you won't get insurance money for any of these things."
The bespectacled ghost explained, "In short, whatever you were born into, you have to do it well. If you don't do it well, you won't get any insurance money later."
As he spoke, the bespectacled ghost turned to look at Lin Yazhi again.
"Hey, listen up, when you buy insurance later, you need to take a good look at the contract. It's very detailed, but you might not be able to understand it very well. You'll probably have to ask the ghost who handled your insurance, and also go to the insurance company to file a claim... Oh, since you were born a human, you don't get to file a claim."
The bespectacled ghost suddenly realized what was happening, turned his head, and looked at Wang Yao reproachfully.
"This ghost wasn't born from poultry, so there's no reincarnation insurance to claim. Why are you asking so many questions?" The bespectacled ghost looked at Wang Yao with dissatisfaction.
"Um...so, how much money can you get from the reincarnation insurance claim?" Wang Yao continued to ask, because he was so curious about the five social insurances and one housing fund in the underworld that he couldn't help but ask.
“That’s a lot, more than enough for you to live in the underworld for a year,” said the bespectacled ghost.
"Life? Ghosts need to eat, drink, and relieve themselves, what? How can they have a life?" Wang Yao was surprised again.
"You immortal, that's clearly racial discrimination! That kind of thinking is no good. What's wrong with ghosts? Weren't we originally human, even immortals? In essence, we're the same. There's no such thing as high or low, noble or base. Ghosts live their lives too. How can you say they still have lives? What kind of talk is that?"
The bespectacled ghost was clearly displeased.
"Tell me about this Xiao Lin, he's so handsome. If he comes to the underworld, won't he attract ghosts? And if they do, won't they get married and have ghost babies...?"
Upon hearing the words of the bespectacled ghost, Lin Yazhi repeatedly kowtowed, saying she dared not.
"What's there to be afraid of? We in the underworld have long had freedom of love and marriage. Female ghosts have been liberated. Back then, there was even compensation for women who were reincarnated, but that has all been canceled now. Male and female ghosts have achieved complete equality. It's fine!" the bespectacled ghost shouted.
"Does your underworld have a special agency for arranging marriages between male and female ghosts?" Upon hearing this, Wang Yao realized it was touching on his area of expertise and immediately asked.
"Of course there is! What does the Ghost Marriage Office do?" The bespectacled ghost rolled his eyes at this unsophisticated immortal.
Wang Yao nodded as he listened, thinking to himself that if he had time this time, he should go and meet with the ghost marriage agency. It was clearly his right, so why did they take it away?
“Since this immortal has asked so many questions, I might as well explain the rules of our underworld to you in detail, so that you, a new ghost, won’t break the rules after wandering around outside for so long. That would be terrible. This is also the main responsibility of our Wandering Souls Bureau,” said the bespectacled ghost.
"It seems this guy has a job similar to Liu Fu's." Wang Yao thought to himself. He had initially thought Ma Fan was doing the same job as Liu Fu in the Immortal Realm, but now it seemed that this bespectacled devil was the real one. Ma Fan, just as he said, was purely doing it part-time, just guiding people.
"Let me finish explaining the five social insurances and one housing fund first. I bet you think you're just like that immortal, believing that once you become a ghost, you don't need to eat, drink, or relieve yourself, and you don't have any basic physiological needs, so you don't need to buy reincarnation insurance? Let me tell you, if you think that way, you're sorely mistaken..."
"First, you can't just choose not to buy reincarnation insurance. Don't forget, there's also ghost life insurance. If you genuinely don't have a job, no source of income, or you intentionally don't want to buy it, then ghost life insurance will automatically pay for your reincarnation insurance..."
"Secondly, do you need to slowly climb up? You know, going down four floors means paying four times the standard fee, which is half the price of going down five floors. That's much easier. And our zeroth floor only charges the normal fee. Just think how much difference there is?"
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