 Kelvin doesn't buy it, and gets in his car with Thor—only to find he's held at gunpoint by Holt, in the backseat.Holt tells Isold to leave with the boy and "Fred" speeds off, buckling his seatbelt (a sign he intends to crash the car).Kelvin crashes the car, killing both men, and Isold is awarded the full benefits of the tampered life insurance policy.