 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.The film ends with Abe walking on a beach meant to suggest heaven, that is identical to the beach featured in the insurance company's commercial shown earlier in the film, as the credits roll.