Plot Analysis Summary
A tontine inheritance produces escalating mistaken identities, misplaced bodies, and chaotic attempts to claim the fortune.
Story Structure — 5 Plot Phases
The Last Survivors
A lawyer establishes the tontine and explains its enormous final reward. Decades later, Joseph and his estranged brother are the last surviving participants.
Key Events
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Tontine Is Established — A lawyer explains that the last surviving participant will receive the pooled fortune.
Location: Early nineteenth-century England
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Two Brothers Remain — Sixty-three years later, Joseph and his estranged brother remain the final survivors. Characters: Joseph Finsbury
Location: Victorian London
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Summons to London — A telegram announces that one surviving brother is dying and summons Joseph to London. Characters: Joseph Finsbury
Location: Victorian London
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Joseph Escapes His Minders — Joseph leaves his minders, enters a compartment, and later leaves his coat behind. Characters: Joseph Finsbury
Location: Train
The Coat Deception
Joseph travels toward London but leaves his coat unattended on a train. A criminal wears it during a collision, creating the mistaken belief that Joseph has died.
Key Events
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Joseph Escapes His Minders — Joseph leaves his minders, enters a compartment, and later leaves his coat behind. Characters: Joseph Finsbury
Location: Train
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The Coat Changes Owners — The Bournemouth Strangler puts on Joseph's abandoned coat before the train collision. Characters: Joseph Finsbury
Location: Train
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Train Collision — The train collides with another train, and a mangled body is found wearing Joseph's coat. Characters: Joseph Finsbury
Location: Train wreck
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Joseph Wanders Away — Joseph survives the accident but wanders away from the wreckage. Characters: Joseph Finsbury
Location: Train wreck
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Body Is Hidden — The cousins hide the body in the woods and plan to send it to London in a crate.
Location: Woods
Deliveries Gone Wrong
The corpse is hidden and sent toward London while Joseph survives and reaches his brother's house. Crates and barrels repeatedly arrive at the wrong destinations.
Key Events
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Butler Mistaken for Masterman — Morris arrives in London and mistakes the elderly butler Peacock for Masterman. Characters: Peacock
Location: London
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Barrel Plan Begins — A plan is made to ship the body in a barrel to the house where Julia lives.
Location: London
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Joseph Reaches London — Joseph makes his own way to London and visits his estranged brother. Characters: Joseph Finsbury
Location: Masterman's house
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Barrel Delivered Incorrectly — A barrel containing the corpse is delivered to the wrong house, and Joseph signs for it. Characters: Joseph Finsbury
Location: Masterman's house
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Statue Reaches Joseph's House — The crate containing the statue is mistakenly delivered to Joseph's house. Characters: Joseph Finsbury
Location: Joseph's house
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Body Hidden in Piano — The corpse is discovered and hidden inside a piano.
Location: Joseph's house
Bodies And False Claims
The corpse is concealed in a piano, while an unconscious body is mistaken for a dead man. A false death certificate is used in an attempt to claim the tontine.
Key Events
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Body Hidden in Piano — The corpse is discovered and hidden inside a piano.
Location: Joseph's house
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Undertakers Take Wrong Body — Undertakers arrive to remove the corpse but take an unconscious body after a fall.
Location: Masterman's house
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Tontine Claim Attempted — A fake death certificate is used to claim the tontine, now worth one hundred eleven thousand pounds.
Location: Lawyer's office
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Masterman Returns — Masterman is returned home by the Salvation Army, who believe he has drowned.
Location: Masterman's house
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Piano Body Discovered — The piano is sold, and the body inside it is discovered, bringing the police into the case.
Location: London
Cemetery Confusion
A hearse chase and crash carry the deception into a cemetery. Joseph emerges alive, the tontine remains unclaimed, and the detective arrests Morris.
Key Events
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Piano Body Discovered — The piano is sold, and the body inside it is discovered, bringing the police into the case.
Location: London
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Hearse Chase — The cousins flee with the money in a hearse while another hearse gives chase.
Location: London streets
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Hearses Crash — A crash leaves the fleeing cousins with a body instead of the money.
Location: London streets
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Money Scatters Cemetery — The money scatters around the cemetery as Joseph emerges from an open grave. Characters: Joseph Finsbury
Location: Cemetery
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Tontine Remains Unclaimed — The lawyer states that the tontine has not yet been won. Characters: Joseph Finsbury
Location: Cemetery
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Detective Arrests Morris — The detective arrives, arrests Morris, and connects the body to the Bournemouth Strangler case. Characters: Detective
Location: Cemetery