A Little Trip to Heaven 2005 one on netflix

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.