If your marriage is on the rocks and your spouse is the recipient of your life insurance policy and you don’t remove them – you could get murdered.
I’ve been a true-crime fan for many many years. I’ve watched too many true crime documentaries to count.
Something that has always kept coming up, time and time again, is a murder committed so that the mastermind behind it (or the actual killer) could get a windfall from the victim’s life insurance policy – being that the mastermind or killer is the sole recipient!
In nearly every single one of these cases, the victim is acutely aware of big trouble in the marriage.
The spouse, with whom they may even be engaging in physical assaults, is the recipient of their life insurance policy.
In fact, there’ve been cases in which either the victim moved out of their home, or, the eventual killer spouse moved out.
And despite this drastic change in dynamics, even if it’s replete with harassment or stalking from the eventual killer, the victim never contacts the life insurance company to get their estranged spouse off of it.
Why, why, why? Oh tell me please!
Go ahead, watch some true crime episodes (mostly on the ID Channel and Oxygen), and it won’t be long before you encounter one that involves a murder to get the payoff from the life insurance policy.
I’d say that if you watched 10 randomly chosen true crime documentaries, without reading their descriptors, at least four will involve a life insurance policy.
Why would anyone want someone they hate to stay on their life insurance policy?
This is the million-dollar question. If you’re telling people, “If anything ever happens to me, have the cops look at my wife,” why would you NOT have the insurer remove your wife as the recipient of the payoff? And then present proof of this to her, of course. ASAP.
Why, why, why? And we can’t look at this bizarre phenomenon without also examining why these eventual victims get talked into the life insurance policy in the first place.
This just blows my mind. In many of these cases, it’s never the first marriage.
In fact, in many, if not most, the marriage occurs in middle age.
When it is a first marriage, it’s often in middle age as well.
Somehow, someway, the eventual victim is obviously talked into having a big life insurance policy taken out on them – with their new spouse as the sole recipient – even though in many cases, the eventual victim has grown children (who should be the recipients, not some new spouse they’ve known for only six months).
Even if they’re estranged from their kids or they don’t have any kids, these individuals STILL need to be very suspicious when the new spouse is pushing for a life insurance policy.
Typically, it’s the very first life insurance policy that the man or woman has ever had, too, so it’s not as though all their adult life they’ve been gung-ho about having life insurance policies.
How do these gullible people get connived into having a giant life insurance policy taken out on them by someone who’s relatively new in their life?
Why doesn’t this raise alarm bells?
I’d also say that the majority of victims have been men.
It’s also not as though these men have dangerous jobs. I don’t recall a single case (and believe me, I’ve watched a ton of them) in which the man’s job had a high fatality rate.
I know a woman, also a true crime geek, who once told me, “When you get a life insurance policy, you’re signing your death certificate.”
I’ve never been married (I attribute this to being autistic and thus, never having met “the one”).
But, in theory, if I were to get married, my new husband will have already known – from our very first date – that I will NEVER have a life insurance policy taken out on me.
If this scares a man away from me on that first date, then I probably just saved myself from getting seriously involved with a man who plans on having any woman he marries murdered for her life insurance policy.
Sometimes the murder is committed rather soon after the marriage.
Other times it’s many years after, once the marriage starts going down the drain.
I would tell the man on my first date (and this is what ALL people should do on their first date!), something such as the following:
“I will never have a life insurance policy taken out on myself.
“The man I marry will have already been getting by financially prior to our marriage.
“He’s not going to suddenly need a windfall of money just because he marries me.
“Thus, I’m not going to throw away money every month on a life insurance policy.
“Especially since, who knows, I could one day get capped for the payout!” Then smile sweetly.
Then I’d say, “How are you with that? If you’re not okay with it, then … I don’t want a second date.”
Seriously now, if this narrative frightens away the individual with whom you’re having a first date, then you have to ask yourself WHY they’d be scared off.
Is it because they want to snare someone under their spell to marry them, then convince them to get a life insurance policy, then kill them for the payoff?
Lorra Garrick is a former personal trainer certified through the American Council on Exercise. At Bally Total Fitness she trained women and men of all ages for fat loss, increased strength, muscle building, and improved fitness and cardiovascular health.
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