Preferred Risk — Frederik Pohl

Thomas Wills is a claims adjuster. That doesn't sound like much, but the insurance company he works for rules the world with an Iron fist. Thomas Wills believes he is working for the greatest company in the history of mankind. But when he meets Rena dell'Angela he learns that everything is not as it seems. His company enforces complete compliance to their rules with a deep freeze vault that anyone who violates their rules is imprisoned in. Once he learns the truth he must decide what to do about it.