Disclaimer: I have not nor will I ever make any kind of anything off of and fanfiction I write and it will never belong to me. More people would have lived if it did. Saki however is mine.

Authors note at end of Chapter.

If anyone had asked her what she expected out of life she might have told them a happy marriage, a good job, and maybe a couple of kids. If anyone had told her that she would die at forty in a freak accident she might have believed them. But if that same person had told her that she was unhappy with her life she would have scoffed. Her? Unhappy?

She was always happy…..wasn't she?

…..

Nothing could have prepared Emma for the shit show that was to become her life. She had been a good person. Always paid her bills on time, never ruffled any feathers, and called her mother every day. So why in the seven hells was she sitting across from a desk from Konoha's Green Beast as he waxed poetic about youth and how he didn't need life insurance because you can't kill the spirit of youth?

"Maito-san, ple-"

"The beauty of the lily is never forgotten even in the coldest of winters!"

"But Maito-san you are not a lily. You are the Green Beast and a shinobi. You have chosen a very dangerous lifestyle. I understand that you live on the power of youth but what about the village?"

Finally I had his attention. "The village? How would insurance help the village?

"For now let's forget the life insurance, it's really only applicable to shinobi with families that need supporting in the event of a death. What about disability insurance? You're a Jonin of the village and that puts you in high risk situations. While we are all confident in your abilities as a ninja and protector of this village, what if something were to happen? Who would be responsible?"

After a few minutes of silence his eyes traveled to my arm. Or rather the missing left arm. After a stint as a Chunin, a mission gone badly had left me a cripple unable to earn my own income as the ninja I had been. In my desperation I pulled some of the training I had from my previous life.

I had been many things in my past life. I had interned at a huge banking and loan in college as well as a law firm before going on to start my own insurance firm that specialized in life and disability insurance. It was something I knew and something the village lacked, and having a law degree and a business degree from a past life, a need I could provide. So I did.

I took the idea directly to the Hokage. At a time when the village was doing poorly anything that could help was pushed through. And while a war was not an ideal time for an insurance business of all things it thrived. I had civilians taking out policies as well as shinobi.

"Maito-san, in the event that you are hospitalized the village covers the cost as they always have. But what if you are sent home unable to take missions and your savings run out? Disability insurance is a safety net in place that can help you. It can connect you to job opportunities still available for someone unable to perform in their top form like they are used to. Or at home medical care in the event of an overcrowded hospital, or if you just want to go home, special home nurses can come to you. But these are all special services that are only available to those willing to pay for them. With this insurance you can opt into different care plans that would otherwise be unavailable."

"I'm not saying that you will ever need it. But it's better to have something and not need it then to need it and not have it. Don't you think?"

A few more minutes of an intense stare and Maito's face broke into a smile, rainbows and all. "I think I will take you up on the offer. The village should not be held responsible in the event of a mistake! I will strive every day for the perfection I lack"

"Wonderful! Now if you could jus-"

"I must show the village my devotion by running five hundred laps around the village walls! On my thumbs!"

With a shout and a bang he vanished from my office. Policy papers still in my hands…unsigned…

Sighing, I placed to papers back in the folder marked for him. I would have to get a genin team to deliver them later and make sure they got signed. Jonin always confused me. I was almost glad I never made it that far.

…..

Two policy claims and a civilian dispute later I was free to go. Everything packed neatly in the briefcase as I locked the door and set the traps behind me. While no longer active I was still a ninja and some things you never let go of, like protecting your assets.

The sun was just starting to dip behind the tree line making for a perfect setting walking through the market back to my apartment. I stopped at a few venders on the way, greeted a few clients and a few people I had run missions with before my accident.

I suppose you might be wondering exactly what happened or how I even ended up being a ninja in the first place. It's very simple really. I was born a little over thirty years ago as Ishida Saki to a Chunin couple at the height of the second war. Now normally this would not be cause for excitement, but this was not my first turn around the block so to speak.

I had died in a freak accident after being hit by a train of all things. I was forty and unattached with a successful business. While I regretted dying young, because forty is still young dang it no matter how long people are expected to live now, I didn't regret this new beginning.

Sure my options might be a little limited but I could choose whatever I wanted. And I chose to be a ninja. Officially I was in Research and Development, unofficially Infiltration and Sabotage, but I enjoyed field work as well. And during the third war everyone was pulled. My time as a genin was not all that extraordinary. I was on a team with two Nara's, twins in fact, Daen and Maen Nara. Because who else would they put with the strange book smart kid other than a pair of Nara's? We were mostly an intelligence gathering team. Never saw much front line action which I was thankful for. We were very young after all, older than the Hokage's youngest sons generation, but not by much.

We were all field promoted to Chunin after we proved we could handle combat. We had an infiltration mission. Get in, get out with the information, don't die and don't get caught. It was simple enough, except we were betrayed.

A spy had tipped them off we were coming. We got in easy enough and got ambushed almost immediately after acquiring our target information. Wearing non-descript uniforms and no village markings we had to use our intelligence to get out without incriminating Konoha. That meant no shadow jutsu for my Nara team mates and no fire jutsu for me. We made it out, Maen-kun with a new facial scar and me with a much shorter haircut, but we were successful.

After that we got pulled for increasingly difficult missions. The war drug on what seemed like forever and we were the perfect team. The last mission we ran would be the one to try us the hardest. I think on some level the boys still blame themselves. But I would not change what I did. Another ambushed mission against skilled doton and sword users, we were outclassed. I took a direct hit and lost my arm, but it saved their lives and gave us enough time to escape.

I was commended for my actions and then benched. I could have taken a ninja desk job and did for a while but I was not thriving like I was used to. I could not do anything I deemed useful. So I pulled from the dredges of my past life, the one I had almost forgotten, and started my own business.

The Hokage loved the idea and the village gave me my kick start loan to get off the ground. Almost immediately all ninjas with family's signed up. If they died in the field the village would take care of any funeral arrangements as they always had for non-clan ninja, but now those ninjas had insurance policies, something that the family would get after being left behind, at least until they could get their feet back under them.

I wrote out over a thousand policies just within the first month and had to honor at least a hundred. I almost pulled out after having to pay out so much in just that first moth, but seeing the relief on the faces of the surviving family members was what kept me going. They knew that even though their breadwinner was gone, everything was going to be okay. They had enough to get them through the next few months while they grieved and found some other support system.

My next largest test was the Kyubi attack. My office was destroyed. It took months before I could get anything sorted out enough to start paying out. Almost a year after the attack I was able to pay out the last of the claims. The village rebuilt and began to recover again leaving us as we are now. Almost twelve years later.

…..

After finally making it home I settled in with some tea while dinner simmered on the stove. The boys were coming by later. They came every week missions permitting. Most times I would cook and they would bring dessert and clean up. They knew I favored the mochi from that one stand next to the ramen shop.

I had to review a few policies that needed updating before they showed up though. One in particular that the fourth Hokage had filed with me many years ago and the third was helping me to pay out. One Uzumaki Naruto, a secret I was sworn into the day after the Kyubi attack. I had been watching over this kid from afar for a long time. The money would go to the third each month for him to give to Naruto. I was not allowed any direct contact in regards to the policy.

That did not however mean I couldn't keep an eye on him from a distance. He really was the worst behaved little boy I had ever met, but he had good enough reasons. I didn't see a reason to reprimand him, most of the shop keepers got what they deserved.

I mostly ran interference for the brat. If I saw him I would distract the shopkeepers long enough for the kid to set up his stunts and then interfere so he could get away again. As he got older I didn't need to step in as much, he was getting good enough to not get caught, a good trait for a shinobi.

Now, however, the boy was slated to graduate, within the next year in fact. That meant his policies were going to have to change. He was going to be partially read in so to speak. Becoming a Genin means that he would legally be an adult, a tiny adult but still an adult. I dreaded the day of his graduation, it meant a huge meeting with the Hokage and the entire counsel as well as whatever sap they suckered into being his Jonin-sensei, poor bastard.

The kid had a huge payout. His dad had been the Hokage and his mother the last of a clan. While they had not been filthy rich they were well off enough Naruto should have never wanted for anything.

Unfortunately that's not how things worked out.

I guess I should have anticipated the backlash when the village found out about what the boy was. But I didn't think that people would be so cruel. Other than infiltrating his apartment and leaving fresh cup ramen and apples I knew he probably wouldn't eat every now and then, there was not much else I could do for him. Being the jinchuriki my hands we completely tied. I know the Anbu looked the other way when I would stop by, for that I was thankful.

…

"Saki-chan!" Looking up I smiled as the boys banged on my door. They knew they could come in but never did unless I didn't answer after the second knock.

"I'm coming!" Opening the door I greeted Maen and Daen with a group hug and grabbed the mochi to take to the kitchen until time to eat. "It's not quite done yet but we can start setting down the plates and cups. How have you guys been? I haven't seen you in a few weeks. Mission go okay?"

Turning back I saw a pair of shifty expressions.

"What? What did you two do?"

...

Authors Note

...

Okay, so I am really just posting this because I'm tired of it sitting on my computer. I'm not a consistent writer and I work a lot. Like A LOT a lot and have kids and stuff so don't expect an update more than once a month. I will be seeing it through because I don't believe in leaving things undone.

Saki is not based off of me other than a few of her personality traits, maybe. Like I really don't have many close friends. Anyways…

Daen and Maen are actually from Naruto. I pulled them off the wiki page and gave them back stories and stuff. They will show up more frequently later on.

I'm taking some liberties with time lines and stuff. I'm going to keep everything close as I can up until a certain point. I am adding a new person to the mix so it's not going to stay totally on point.

I'm undecided on romance. I will touch on the subject but am not committed to it.

Finally, I don't have a beta so all errors are my own. I go through it several times before posting but I am going to miss something. If you see anything while reading please let me know; if I don't know I can't fix it.