Saturday, April 21, 2012
The Life Insurance Policy-Red Herring or A Big Piece of the Puzzle?
Someone posted a comment the other day that life insurance policies can be backdated and that set my mind in motion again. What if the reason Heidi is so vocal defending Justin is because Derek also will be implicated if Justin is found guilty of murder? We have all wondered what would make Heidi risk so much to defend someone who is not even her blood. Maybe she is in fact defending her son and in order to do that Justin needs to be innocent in Ayla's disappearance?
Since Life Insurance can in fact be backdated, I have to wonder if the purchase of the life insurance policy was more ominous than originally thought? Did Justin confide in his best friend when something terrible happened to Ayla? Derek, not able to help Ayla, decides he can help Justin? Did he offer to help Justin at least profit off of what had happened to Ayla in the form of an insurance payout? Even if that payment came well into the future? Derek would know all of the ins and outs of the insurance trade so he would know that policies can be backdated. Maybe Ayla's policy did go into effect on the 20th or so of October, but was that the day Justin went into the office and signed the policy? How do we know that Justin did not go into the office on the 12th of December or any other day that week and start the ball rolling on this? All Justin would have had to do is pay a two months worth of missed premiums. Not an awful lot of money if the policy ran him under $20 a month.
LE would be able to ascertain that the life insurance policy was submitted to State Farm in December and not in October but what could they really do with that information unless they had proof that Ayla was deceased before the date the policy was actually purchased? They could use it to accuse Justin of not telling them the whole truth which they have announced to the media. The public has assumed that it was because of the presence of blood that they made that statement, and it very well could have had something to do with it but I would think that LE would have more ducks in a row than just one when making a statement of that magnitude. Is this something LE is keeping close to the vest?
Maybe LE is not in a hurry to bring this case to the Grand Jury because they want to find Ayla first. Once they find her many questions will be answered and in doing so more than one person may be facing criminal charges. I can only hope that is the case and not that they have no evidence to convict. I would like to see anyone who has aided and abetted Justin brought to Justice, not just the person responsible for actually harming Ayla, IF was in fact harmed and not abducted as Justin claims. If Derek did commit insurance fraud, he likely will also be brought up on charges. If Heidi and Darrell Tudela were in on this, they too are culpable.
The whole issue on Life Insurance has been very confusing to me. Many people have come out and revealed that they also have an insurance policy on their little ones in case the worst happens. I can wrap my head around having a Whole Life policy on a child, one that accrues a cash value and can be borrowed on for college expenses or some emergency that happens down the road. Those plans are costly and it is unlikely that Justin had the means to keep up with a monthly premium on a policy like that. I can't understand Term Life Insurance on a child with the father being the beneficiary. No parent thinks consciously that they will outlive their child and if that were to happen, most adults with children are financially stable enough to foot the costs of a funeral for their child, even if it means taking out a personal loan or borrowing on a credit card or borrowing from a friend or family member.
What would make sense to me about Justin taking out a Term Life Policy is if he took it out for himself and listed Ayla as a beneficiary. It would be more reasonable for him to think that in a period of say 20-30 years that if he died unexpectedly his death would cause a hardship on those he loves. The payout would ensure that his funeral would be covered as well as any mortgage on a home he may purchase in the future, Ayla's college tuition, etc...In my opinion, that is what a responsible father would do, not look out for himself in the event of his daughter's demise.
Is this another piece of the puzzle that LE is working on? Is the life insurance policy and the actual date it was issued a nail in Justin's coffin or is it unrelated? Is it a red herring as some want us to believe? If it is a red herring, I find the timing of the policy along with the evidence of Ayla's injuries while in Justin's care very suspect to say the least. I find it incriminating that Justin was not forthright with this information right away and it wasn't until Trista revealed it to the public that Justin addressed it and claimed he did not seek it out, which may very well be true. He has yet to answer any more questions about it to the media or really any pertinent questions for that matter. Why is that?
The views, thoughts, and opinions expressed in this article are those of the Author referenced herein, and are not to be deemed as fact unless otherwise published. Assumptions made from the content published in the articles of this Blog are not reflective of the position of any U.S. Government agency (i.e., Law Enforcement, Federal Agencies, etc.)..