umbrella insurance horror stories

A sudden and unprecedented event occurred and took place on Earth. A fissure instantly appeared in the clear blue sky, revealing a void devoid of any light beyond, instantly covering the whole planet, leaving no Life, no Hell, and no Paradise behind... Hence the start of a new chaos and a great beginning of life devoid of any hope began. In this apocalypse and lawless world without any limits set upon its beings, a silent dark wisp took form. A wisp that was bound to become the Horror of All was born... "Wait… I’ve become a Ghost?!" _______________________________ Bonus Chapter; Power Stones, 200 PS = 1 Chapter 400 PS = 2 Chapters 600 PS = 3 Chapters ... Golden Ticket, 100 GT = 1 Chapter 200 GT = 2 Chapters 300 GT = 3 Chapters.

Everyone has their fates connected to their birthdays, they are likely to have psychic abilities specifically connected to ‘something’. Some can sense it while some cannot, depending on what they have committed in the past. Mystery, Death, Foolishness, and Greed are the things attracting the evil spirits to be around. Those who were born on Sunday… “Ward: Labor Tomb” If you see ‘the pregnant,’ please beware; they are there to take your head. Those who were born on Monday… “Mirror: Who’s the First to Die of Them All?” After midnight where mirrors are, ‘mysterious things’ will appear. Those who were born on Tuesday… “Haunted: Mystery of Plumeria House” Stay away from ‘bathrooms’, if you wish to stay alive. Those who were born on Wednesday… “Theater: Book Me a Death Ticket” When people born on this day go to a funeral, they tend to witness bad events. Those who were born on Thursday… “Stairs: 12 Steps...Ghost Staircase” At night, do not look at the stairs, or else something might be there. Those who were born on Friday… “Reality: Dare the Living, Discover the Dead” There is a game for the living, but noted that it might take their lives. Those who were born on Saturday… “Holy: Soul Sacrifice to Spirit’s House” The ancient saying goes: think before you speak, as something the eyes cannot see does not mean it is not real. Every inconsiderate action must be traded with the living, and only death is the answer! One question… What day were you born on…?

Setiap orang di dunia ini pasti mempunyai hal yang disukai maupun hal yang tidak disukai. Ada kalanya hal itu sangat berbeda dengan sebagian orang lainnya. Sesuatu yang kita sukai itu akan membuat kita nyaman dan bahagia saat menjalaninya. Sedangkan hal yang tidak kita sukai hanya akan membuat kita merasa risih dan tertekan, terkadang itu juga bisa membuat kita merasa tidak nyaman. Begitu juga denganku. Ada satu hal yang tidak aku sukai di dunia ini. Aku tidak suka dengan apapun yang berkaitan dengan hujan. Aku yang berusaha dengan keras ini tiba-tiba saja merasa putus asa jika teringat dengan hal yang bernama 'hujan'. Bukankah seharusnya aneh jika ada yang membenci hujan seperti diriku ini? Disaat yang lain sangat mengharapkan turunnya hujan bagi kesuburan tanah mereka, ada juga yang berharap cuaca yang panas menjadi lebih sejuk setelah turunnya hujan. Ada yang menantikan sumur mereka terisi dengan air dari tetesan air hujan dan lain sebagainya. Aku hanya ingin hujan ini berhenti, sekali saja, cukup sekali ini saja. Aku seperti ingin menghentikan waktu. Jika saja hujan ini berhenti saat itu, mungkin aku tidak akan terlalu membencinya. Jika memang kejadian yang aku lalui ini tidak begitu berat, mungkin saat ini aku bisa tersenyum sambil berlari di bawah hujan lebat. Tapi, siapa sangka ternyata kejadian pilu malah terjadi dalam hidupku. Kejadian yang tidak pernah ku bayangkan sebelumnya. Kejadian yang akan meniggalkan luka untukku. Kala itu hujan tidak akan pernah berhenti membasahi diriku. Di saat aku berjalan, berlari dan terjatuh sekalipun yang aku lihat hanyalah air yang jatuh membasahi setiap benda yang ia lalui. Suram! Begitu suram hingga membuatku muak. Aku ingin berlari, aku ingin bebas dari genangan air yang seolah perlahan-lahan menyeretku ke dalam. Begitu dalamnya air hingga air itu seakan membuatku tenggelam. Tidak ada yang berusaha menolongku, aku begitu kesulitan untuk sekedar bernapas. Hingga kau datang kepadaku. Akankah orang sepertimu bisa membuatku bangkit dari genangan air kotor yang menenggelamkan tubuhku? Akankah kau mampu mengubahku secara perlahan? Jika memang kau adalah orang yang aku cari selama ini, maka datanglah. Tapi, apabila tujuanmu hanya untuk bermain, silahkan pergi. Aku bukanlah sebagai alat tempat bermainmu. Karena orang yang rapuh sepertiku bukanlah tempat yang cocok bagimu. Tinggallah jika memang kau adalah orang yang tepat. Jangan pergi jika kau merasa aku adalah rumahmu. Tetaplah tinggal hingga nanti istilah kau dan aku menjadi kata 'kita'. Hingga nantinya kita bisa menemukan kebahagiaan bersama saat hujan tiba. Menghapus luka yang begitu dalam tergores dalam hatiku.

Standalone horror stories, approximately 500 to 1000 words per chapter, with each story fully independent of the others. If a character's name appears in multiple stories, it should not imply a connection between them unless explicitly noted otherwise.

Lothair is a serial killer who detest imperfection on human’s facial features, which resulted in him having a compulsory behavior of wanting to strip people’s faces. After he dies, he finds himself as Narcissus, a beautiful and adorable female NPC inside a state-of-the-art VRMMO world of the latest craze called Fallen Carcosa Online. But despite being a fantasy-filled game, the world feels strangely realistic. Too realistic, even. Game-like systems and magic exist but so do plagues, politics, economy, and the horror hidden in plain sight. When pried open, an actual human-like anatomy can be seen beyond the skin of the NPC’s face—with little to no censor. Everything feels too immersive. Except Narcissus, Lothair’s new identity. When Narcissus tried to scrape off the face of her new adorable body, she found an abyssal void with little to no end. This story marks the birth for the King in Yellow. - Warning, this story contain: Male-to-Female Genderbend, GL/Yuri, Occasional Futa MC, Yanderes, Harem, Self-Cest. - Follow the creative and attentive Narcissus, a nuanced former serial-killer who will gradually becomes stronger, experienced, maddening, horrifying, but also mature, wise, conflicted, and complex—in this near-endless journey. Where souls unsung and tears unshed. In the land of Lost Carcosa.

An indubitable tragic love story of two souls, Lee Rang and Kim Yuri, who fought between love and hate will meet ,embrace and heal each others wounds. Kim Yuri, the daughter of a famous business man falls in love with a devilish former CEO and the most feared mafia in the darks, Lee Rang, who marries her just to kill her father and destroy her family. From being a worst husband and worst father to the best husband and best father one can ever have. He was given a second chance to correct his wrong deed's that he did in past which costed him his life. ----- Volume: 1 Taking his revenge by killing his enemies. Follow me at my Instagram: _saleha_aly Follow me at my discord: jungkooks_luna #7728 My other books: BL Transmigration: Latent intrinsic Love The Billionaire's daring prodigy son Alphas Vaewolf Bride

+)Free Book. -) The story is about the misadventures of a group of sailors trying to reach the mainland in an unknown world full of mysteries.

Horror Folktales from the East, including China, Korea, Japan, Southeast Asia, and more.

The story follows Emily, who becomes trapped in her grandmother's isolated house after the power goes out and the outside world mysteriously vanishes. Emily's grandmother is found unconscious, and the old grandfather clock seems to be the only thing functioning normally. As Emily explores the house, she discovers a series of unsettling phenomena - strange shadows, disappearing reflections, and distorted time. Delving deeper, Emily uncovers her family's dark history, which is intertwined with the supernatural forces at work in the house. She learns that an ancient haunted hourglass is the source of the temporal distortions, controlled by a powerful spectral guardian determined to maintain its grip on time. Emily must confront the sins of her ancestors and perform a dangerous ritual to break the curse, risking everything to save her grandmother and restore the proper flow of time. The process leads to a chaotic convergence of different time periods and a final showdown with the hourglass guardian. Though Emily succeeds in shattering the hourglass and breaking the curse, the ordeal leaves deep emotional scars. She and her grandmother must work to heal the wounds and confront the lingering supernatural presence, hinting at the possibility of future challenges. Despite the trauma, they find hope in rebuilding their lives and facing whatever the future may hold.

In a world where technology and all humanity had built dilapidated by a mysterious abyss. Supernatural forces reign as humans awaken with incredible powers and face off against mutated creatures. Eri discovers he's a Vampire with a Horror System, thrusting him into a dangerous new reality. As Eri navigates this treacherous world, he must master his abilities and confront dark forces threatening humanity's very existence. Join Eri on an epic adventure filled with magic, mystery, and redemption in a world where the line between reality and fantasy is blurred. Get ready for a thrilling journey where the impossible becomes possible. Undergoing major edits before the final chapters are released... Then completion