Tuesday, May 29, 2012
Guest Submission: Megan
Ronald Clark OBryan killed his 8-year-old son, Timothy, in 1974 with Halloween candy treated with potassium cyanide in order to claim the benefits of a life insurance policy. He also gave the poisoned candy to other neighborhood children in the hope that with multiple deaths (which did not occur), the murder of his son would not be linked to him. His daughter was also given the candy, but she did not eat it.
Ronald Clark O'Bryan had debts in excess of $100,000. He purchased a LIP on his 2 children, worth $10,000 EACH. He then bought addition $20,000 policies on them, for a total of $30,000 on each child. $30,000 in 1974 is worth $140,011.16 in 2012. (http://220.127.116.11/cgi-bin/cpicalc.pl) (Reference: http://en.wikipedia.org/wiki/Ronald_Clark_O'Bryan)
In April 2010, a Washington state jury found 40 year old Joel Zellmer guilty of second-degree murder in the drowning of 3 year old Ashley McLellan, his step-daughter in 2003. Prosecutors have determined in April that it was in an effort to collect on a $200,000 policy, which was taken out three months prior to the murder. (Reference: http://insureme.us/life-insurance-related-murder/) Ashley's step-dad took out this life insurance policy 3 months before her death. He also has a history of dating single mothers, and leaving a trail of battered and abused children in his wake. This included burning the hands of one child and overheating the sippy cup of another, so that it left blisters on her lips. Another child suffered a broken leg, and yet another suffered a near drowning.
Susan Hendricks killed her family for the insurance money. She killed her stepmother, Linda Burns, ex-husband, Mark Hendricks , and 2 sons, Matthew Hendricks and Marshall Hendricks. She then tried to blame the murders on her son, Matthew, saying he was suicidal. While police are not releasing the amount of money she stood to gain from the policies, police are calling it a "significant" amount.
Dina Abdelhaq suffocated her seven-week-old daughter, Tara to collect $200,000 in life insurance money to feed her gambling addiction in 1995. Jobless and on welfare, the Illinois resident was deeply in debt from riverboat gambling. Tara died in her crib just two weeks after Abdelhaq took out a life insurance policy on the child. Abdelhaq received 21 years in prison for insurance fraud in 2000. (Reference: http://www.insurancefraud.org/fraud_backgrounder.htm)
State Farm Agents are very free; they can come into work and leave when they want. They do not have a boss that they clock in and clock out with. Darrell Tudela can spend as much or as little time at the office as he would like. He can take weeks of vacation, leave half day, arrive late, etc. That is normal behavior. State Farm encourages their Agents to be active and involved in the community. Agents are encouraged to join networking groups, meet clients, etc. As long as Darrell is selling policies, he can spend the entire day at the golf course if he chooses. How would Darrell sell policies if he was at the golf course? His employees would sell the policies.
Darrell is the boss in his agency. His employees report in to him. Most likely, they do have to clock in and clock out, or monitor their hours. As an employee, Derek Tudela works for his father; his father is his boss. Derek and the other employees report to Darrell. The only way to tell if Derek was working on the alleged playdate, Friday (12/16), would be to see if his computer was used using his specific user name and password. Otherwise, there is probably no way to be 100% certain that Derek was at work. To sell life insurance, Derek needed to take a special class and pass a life insurance exam, meaning that he is licensed to sell life insurance.
All Justin would have needed to buy a life insurance policy on Ayla would be for Ayla to be over 15 days old. Justin would have also needed to know her height, weight, date of birth and social security number. Justin would also have to answer some health questions about her. The total cost of this policy is less than 15 dollars per month.
Honestly, I do not believe that Justin took out a LIP to profit off of Ayla's death. I believe that he bought a LIP to help out Derek. I think that after awhile, Justin would have let the policy lapse. I believe that if Justin had wanted to profit off of Ayla's death, he would have chosen a much larger sum, like in the cases above. I am not sure what a big rig costs, but shouldn't it be a lot more than $25,000? Also, why wouldn't Justin get a larger policy so that he could continue not working? I also believe that he would have gone through a random insurance company, where he did not know anyone. After all, wouldn't Derek ask questions? Would Derek possibly "rat" him out if he bought a $500,000 policy? Wouldn't it be better to go through some random company where no one knows who you are? The police would then have a harder time finding the policy.
I believe that Justin, this half-way decent guy, purchased a LIP policy for Ayla because his best friend talked him into it. I honestly think that if half-way decent Justin wanted to profit off of Ayla, he would have made the policy worth much more. In all reality, how much will $25,000 really buy you? Justin is a guy who is still living with his mom, or with friends, or with roommates. While he went back to school to take a truck driving class, is that something that will thrill him and entice him to wake up in the morning? Why not take out a larger policy so that half-way decent Justin could move out, buy some new "toys", and then enjoy the easy life with no nagging mom and no nagging roommates?