I Became a Black Market Tycoon with an Inventory - Chapter 139

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This chapter was translated by Lunox Novels. To support us and help keep this series going, visit our website: LunoxScans.com
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139 – Del Rosario Insurance
139.
[National referendum passes. Philippine presidency transitions from single term to two terms.]
[Philippines confirms presidential two-term limit through national vote.]
[Historic referendum ends single-term era, two-term system confirmed]
[Constitutional amendment favored. New presidential term structure finalized]
[To take effect from next presidential election.]
The two-term system had passed the national referendum.
I thought it would be incredibly difficult and take a long time, but it passed far more easily than expected.
And I learned this fact through Bituin.
“La Camara wants the presidential two-term system. If La Camara had opposed it, they would have used every means to block it, but by simply not interfering, they’re providing tremendous assistance.”
That’s right.
La Camara’s non-interference alone was an enormous help.
If La Camara had thrown obstacles in our path at every turn, things wouldn’t have unfolded so smoothly.
I had wondered why everything was progressing so well.
That’s not to say we neglected our efforts to shift to the two-term system.
We worked hard too.
We continuously made the two-term system an issue through broadcasts and YouTube.
In the process, we naturally conveyed the impression that the two-term system was beneficial.
We put considerable effort into eliminating people’s resistance to the two-term system.
Self-proclaimed experts rushed in to establish and execute strategies.
But after all this effort to establish the two-term system, what if Celeste becomes president?
It would be like cooking rice only to feed it to a dog.
She was greedy.
She wanted to hold power for a long time.
That’s why she didn’t become a politician.
Politicians have limits on their terms.
Until this vote changed things, the presidency had been a single term,
and positions like National Assembly member or Provincial Governor could only be held consecutively up to three times in nine years.
Of course, there were loopholes where one could take a break and run again, but even that didn’t sit right with Celeste.
And most critically, she hated having her authority limited by law.
Any power that anyone could wield had its limits.
Celeste disliked that.
So she wielded tremendous power from behind the scenes.
They gathered in closed rooms and exchanged laws and regulations among themselves.
By colluding with those who held appointment authority, she placed La Camara members in key positions and steered policy in her favor.
To others, it appeared as though she possessed immense power, but Celeste’s thinking was different.
She was thirsty for more.
She wanted stronger power.
She wanted power that could grasp everything and control it all.
That’s why I supported the constitutional amendment allowing consecutive terms.
I had confidence I could become president.
I wanted to become the President of the Philippines and seize control of everything.
As the head of La Camara, there were things I couldn’t accomplish.
The head of La Camara cannot act publicly.
I could only issue orders from the shadows, receiving reports from behind the scenes.
Even when incompetent fools bungled their tasks, I often received reports of the damage only long after the fact.
No matter how precise my orders, execution frequently descended into chaos.
Like a beautifully drafted blueprint that crumbles when incompetent builders take over—the structure never rises properly.
Though the blueprint was admittedly complex, they should have managed it.
Without that incompetence, Celeste would have become far wealthier.
But as president, I could approve the blueprint myself and oversee construction.
I could even modify the design mid-project.
And with consecutive terms, I could maintain this power for years.
Celeste had no intention of letting this opportunity slip away.
The problem was us.
We orchestrated all this to make Patrick president, and now we’re about to lose everything.
La Camara is eyeing the presidency for themselves.
I needed to devise a strategy.
We established consecutive presidential terms, and now Celeste wants to reap the benefits.
Frankly, La Camara’s power and influence far exceed ours.
If we clash directly in a contest of strength, La Camara holds numerous advantages.
That’s the harsh reality we face.
Reality is crueler than one imagines.
Fortunately, we had Bituin—a La Camara member who had attended the High Table.
Through Bituin, we could gather intelligence on La Camara.
“Destroying La Camara will be difficult.”
“I figured as much.”
“To be frank, it’s no exaggeration to say La Camara controls the Philippines. Mindanao was never their concern, but if we push into Manila, we’ll face serious resistance and direct attacks.”
“Is there no good solution?”
“I’ve considered it, but nothing viable comes to mind. Dismantling La Camara is no simple task.”
“Why not just eliminate them all?”
It was a brutal suggestion, but no matter how I analyzed it, that seemed the only option.
I could conceive of no other way to eliminate La Camara.
No matter the strategy, I couldn’t envision a path to victory.
Militarily, we were at a disadvantage.
If they attacked Mindanao, I could construct a defensive strategy, but if they held their ground while we attacked, our chances of victory plummeted.
Everyone knows the defender holds the advantage over the attacker.
Economic pressure was equally futile.
I had substantial wealth, but so did they.
I have much as an individual, and they have much in the company’s name—the difference is merely in form, but ultimately we’re similar in that we can use what we have when needed.
Beyond that, they possess social infrastructure.
Exposing them through the media isn’t easy either.
They already have a firm grip on the press.
They won’t report anything unfavorable to them.
It seemed nearly impossible to strike a blow against them in any conventional way.
Their cartel was solid and unshakeable.
But that doesn’t mean I’m completely powerless against them.
A good idea came to me.
I couldn’t topple them all at once, but I could certainly make things difficult for them to some degree.
“You said Celeste’s primary business is insurance, right?”
“That’s correct. Del Rosario Insurance is the core of the Del Rosario Group.”
“Let’s start by poking at that a little.”
******
“What? They’re providing insurance?”
Word spread that everyone in the Rebel Forces base at Unity Town would be provided with insurance.
“Really? Who just hands out insurance like that?”
“And the premiums must be quite expensive too.”
“It doesn’t make sense.”
But the people couldn’t believe it.
“If you fill out the paperwork and bring it, they’ll provide insurance?”
“Alex is providing insurance for the residents’ financial stability—who among us would doubt him?”
For a moment, people suspected it might be a scam, but hearing that Alex was doing this, they abandoned their doubts.
In Unity Town, among the Rebel Forces, Alex was legend.
Stories of Alex passed from mouth to mouth grew increasingly embellished, becoming myth.
‘When Alex dipped his hand into the lake, the water began to glow. Because the light resembled moonlight, it became known as Lumina Lake.’
‘When Alex swept his hand through the air, weapons appeared from nowhere.’
‘Food kept appearing from somewhere. Following the food, we found Alex at the source.’
‘A single word from Alex made the Chinese President tremble.’
The residents themselves knew these stories weren’t true.
They couldn’t fully believe them, yet they didn’t want to deny them either.
They hoped the man who had built their homeland was even more extraordinary than the tales suggested.
Being under the protection of such a remarkable person brought them comfort.
They wished to find happiness within his care.
News of Alex providing insurance spread like wildfire, and thousands of insurance enrollment certificates came pouring in.
.
.
.
Francis Leo, the CEO of Del Rosario Insurance Company, couldn’t hide his smile as he reviewed the sharply rising performance figures over the past few days.
Who on earth took out this much insurance?
There had never been a surge in subscribers like this without any special marketing or events.
If things always went this smoothly, I couldn’t ask for more.
It did bother me that the insurance coverage areas were Mindanao and Bohol, but why would that matter?
What’s the problem?
Whether it’s Mindanao or hell itself, as long as the premiums are paid on time, they’re all customers.
Hell would probably be even more lucrative with the surcharges.
Francis Leo reported it immediately.
Francis Leo was lost in the pleasant dilemma of deciding what to buy with this month’s incentive.
.
.
.
“So you’re saying that even for minor injuries, they should go to the hospital and file a claim?”
“Yes.”
“What if the insurance company refuses to pay?”
“Then they don’t pay. But make sure to record the entire situation. If they refuse payment, ask them to provide written documentation of the reason.”
“That’s easy enough.”
It was the price of receiving insurance coverage.
Even the most trivial injuries would prompt the insurance company to process a claim.
And if they couldn’t pay, they had to provide written proof of why they couldn’t.
It was the only condition Alex had set when providing insurance to these people.
.
.
.
Del Rosario Insurance Company’s Zamboanga branch.
Even before the doors opened, a long line had formed since morning.
“I cut my finger while using a knife.”
“I stubbed my toe hard on the edge of the bed.”
“I think I sprained my wrist moving furniture.”
“I mistepped on the stairs and twisted my ankle.”
“I slipped on a rainy day and hurt my elbow.”
“I cut my finger on paper while organizing documents.”
“I hit my knee on the desk edge when getting up from a chair.”
“My face got scratched by a tree branch.”
“My finger got pricked by a fishing hook.”
The moment the insurance office doors opened, people flooded in.
The waiting numbers exceeded 100.
None of the injuries seemed particularly severe, but they filed claims for various reasons.
They had brought hospital diagnoses and receipts perfectly prepared.
There was no way to refuse payment.
Reluctantly, the company paid out the claims to all these people.
The amount wasn’t substantial.
Being a small sum, it posed no significant burden to Del Rosario Insurance Company.
The real problem was the endless torrent of paperwork.
No—it was a documentary avalanche.
I spent all day dealing with an unending stream of applicants, and suspicious cases required separate investigation.
But there wasn’t enough personnel to conduct those investigations.
Simply processing the flood of applicants was overwhelming enough.
I couldn’t even visit the restroom while handling applicants, yet the long queue showed no signs of diminishing.
Only after closing hours, when no more applicants arrived, could I finally begin the paperwork.
Whether approving or denying claims, documents had to be prepared.
As the number of applicants increased, the volume of documents to be processed grew exponentially.
Even when denying insurance payouts, they demanded written notification.
I’d lost count of how many times I’d replaced the printer toner this month.
It was exhausting.
Every employee voiced their suffering.
We pushed through with overtime, but both personnel and equipment were critically insufficient.
We were barely sustaining operations by grinding through people, but no one could guarantee how much longer this approach would hold.
Collapse was merely a matter of time.
It was precarious and unsettling.
.
.
.
Del Rosario Group Headquarters, Chairman’s Office.
Francis Leo, CEO of Del Rosario Insurance Company, arrived at the Chairman’s office carrying the settlement report.
Upon reviewing the settlement report, Celeste was taken aback.
The number of policyholders had surged past ten thousand in an instant.
Because they had paid their premiums, revenues had also increased substantially.
A smile played at the corners of Celeste’s lips.
Celeste asked Francis Leo a question.
“Your insurance subscriber base has grown tremendously recently.”
“Yes. It seems our efforts have finally borne fruit.”
“Efforts? Was there a specific event or marketing strategy involved?”
Celeste asked with a chill in her voice.
“We’ve been working for quite some time to enhance Del Rosario’s credibility, and I believe that’s finally paying dividends.”
Francis Leo tried to brush past the question, but Celeste was not so easily deterred.
“You don’t know the exact reason?”
Celeste regarded Francis Leo with cold eyes.
For a moment, Francis Leo froze like a trapped animal beneath a towering shadow.
“… I… I’m still analyzing it. We’re tracking it as group subscriptions, since there are many bulk enrollments, but I’m conducting more detailed analysis.”
“Group subscriptions, I see. Were there any other issues during enrollment?”
“No, there weren’t any. However, there is something unusual.”
“Unusual?”
“The insurance claims are extraordinarily high.”
“How high?”
“Since everyone is filing claims for the first time, they’re submitting claims for trivial matters just to verify that the insurance actually pays out.”
“So how much has it increased?”
“It’s increased sixteenfold.”
“Sixteenfold?”
I was taken aback by this figure I’d never heard before.
Insurance claims had increased sixteenfold?
What on earth was this···.
But Francis spoke as though it were nothing serious.
“While the number of claims is high, most are small amounts, so it’s not a major problem. Compared to the premiums they’ve paid, it’s negligible.”
“Many claims but small amounts in total? So it’s not a problem?”
“That’s correct.”
I tapped my fingernail against the desk rhythmically.
It was a habit I had when thinking deeply about something.
I reviewed the documents Francis had brought once more.
I couldn’t shake the ominous feeling that I was missing something.
And after examining the documents, I thought I understood what that unease was.
Most of the policyholders had signed up in Mindanao.
“Sigh. They’re really trying to pull this off?”
Now I understood the source of my anxiety.
The sudden surge in policyholders and the sixteenfold increase in claims weren’t coincidental.
The Rebel Forces were behind this.
They’d signed up for insurance and filed claims to inflict financial damage···
Was it really that easy?
I nearly laughed at how poorly conceived the Rebel Forces’ operation was.
Insurance products aren’t designed so carelessly.
All those supposedly brilliant minds gather and deliberate endlessly on how to make coverage appear generous while minimizing actual benefits.
There’s never a product where you can take out more than you put in.
Fools.
That’s why they’re stuck playing at being Rebel Forces.
“These bastards were trying to mess with us through insurance claims… how amusing. Hehehehe.”
Now that the problem was solved, I felt relieved.
I had no concern for my employees’ suffering or system failures.
I only cared about how much we’d earned and how much we’d paid out.
Numbers were all that mattered.
Even now, my employees were drowning in paperwork, unable to leave and still working.
And with each passing hour, more and more employees were quitting, unable to endure it any longer.
I became a black market mogul through my inventory.
139 – Del Rosario Insurance
E-book Publication
/ December 8, 2025
Author
/ Black Card
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/ Son Je-ho
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© Black Card, 2025
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This chapter was translated by Lunox Novels. To support us and help keep this series going, visit our website: LunoxScans.com
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