Tell me some American Income Life horror stories.

Denial of claims is a common theme. They might use fine - print clauses to reject valid claims, leaving policyholders in a lurch.

One crazy real - life horror story is about a family who moved into an old house. At night, they would hear strange scratching noises coming from the attic. When they finally went to check, they found a large family of raccoons had made a nest up there. Another story is of a hiker who got lost in the woods. As night fell, he started to see strange, shadowy figures moving between the trees. He later realized it was just his mind playing tricks on him due to exhaustion and fear. And then there was a person who worked in an old building. They often felt a cold breeze when no windows were open. It turned out that there was a small hole in the wall that led to an old, unheated storage room.

I'm not specifically familiar with '113 horror stories'. But a general horror story could be about a haunted house. There was an old, dilapidated mansion on the outskirts of town. People said strange noises came from it at night. One night, a curious teenager decided to explore. As he entered, the door slammed shut behind him. He heard whispers and saw shadowy figures moving in the dark. He tried to find his way out but got lost in the maze - like corridors. Eventually, he fainted from fear.

One horror story could be about a haunted house. In '1001 horror stories', there might be a house where every night strange noises come from the attic. People who enter the house feel a sudden chill and a sense of being watched. Shadows seem to move on their own, and doors slam shut without any wind. It's a classic horror scenario that can send shivers down your spine.

A third story could be about a forest that is said to be cursed. A group of hikers go into the forest. As they walk deeper, they find that the trees seem to close in on them. They start to see apparitions of people who died in the forest long ago, and they struggle to find their way out as the forest seems to change its layout constantly.

There might be a story about a vengeful spirit. In the 1800 horror stories, it could be the spirit of a wronged woman. She was unjustly killed and now her spirit roams the place where she died. She appears to people at night, her face pale and eyes full of hatred. Those who see her are filled with an overwhelming sense of dread and soon find themselves in the middle of a series of terrifying events.

One horror story could be about a haunted house. In the story, a family moves into an old, dilapidated house. Strange noises start at night, like scratching on the walls. Doors open and close by themselves. They soon discover that a tragic event happened there long ago and the spirits are still trapped, seeking revenge. It's a terrifying experience for the family as they try to escape the clutches of the unknown forces in the house.

In a small town in America, there was a plumber named Jack. One winter, a family's pipes froze. Jack rushed to their house. He not only thawed out the pipes but also gave them tips on how to prevent it in the future. He told them about insulating the pipes and leaving a small trickle of water running during extremely cold days. Jack's kindness and expertise made him a hero in that town.

One story could be: 'I heard a knock on the door at midnight. When I opened it, no one was there, but I felt a cold hand on my shoulder.'

A third story could be 'I walked into the abandoned house. The moment I stepped in, the door slammed shut and the walls began to ooze blood.' The idea of being trapped in a place where something so grotesque as walls oozing blood occurs is terrifying. It plays on the fear of being in an unknown and dangerous situation, which is a common theme in horror.