北極光保險公司有一組保險調查員，由總愛插科打諢的強總帶領富二代女杜心茹（劉心悠飾）、癡情男百天明（黃宗澤飾）、退役員警張東（苗僑偉飾）這三個各自擁有不同專長的人組成，卻成了一支保險調查界的奇兵，所有棘手、危險、離奇的保險事故交到他們的手中，總是能抽絲剝繭，找出真相。雖然經由他們調查的保險個案，幾乎十單有九單保險公司都要賠償。但他們的任務是尋找事情的真相，本著守護公平、公正和公義的原則。

三名保險調查員如特工般跨國調查、尋訪線索、跟蹤目標、搜集證據。同時也在不經意間，介入了很多人的生命故事，成為他們的守護神⋯

Northen Lights Insurance has a team of insurance investigators. Funny and talkative Boss Keung is the team leader. His three team members are: TO SUM-YU (Annie Liu), daughter of a rich family; BAK TIN-MING (Bosco Wong), and affectionate guy; and CHEUNG TUNG (Michael Miu), a retired cop. They each have their forte. They have earned themselves a stellar reputation in the realm of insurance investigations as they can always unravel the intricacies and find the truth no matter how nasty, dangerous or outrageous the case maybe. Even though almost 90% of the cases they handle end up with the insurance company having to cough up, their mission is to get the bottom of the matter while painting fairness, impartially and righteousness.

This trio of insurance investigators in action are like secret agents. They go beyond international boundaries to look for leads, follow targets and gather evidence. During the process, they also come across life stories of other people and become their guardian angels.