This is a book about people without souls. It's not their fault. They were just born that way. Mary Swanson works as a claims adjuster for a company that sells soul insurance. If her analysis looks good, she can grant permission for medical treatments to have a soul implanted. Not everybody can get approved, though. Not even Mary herself. Mary's kids don't have souls, either. And one of them has cancer. When an unexpected tragedy occurs and shakes up her already-shaken family, Mary finds herself at the end of her rope. She's out of patience, out of money, and running out of time to save her daughter. What she needs is a miracle. Enter Bob Suffolk. Bob is a former client with a special talent: he knows how to take souls from other people. It could change everything. With Bob's help, Mary plans to create the first ever black market for souls - and the world will never be the same.