Chapter 7 - The Policies
The insurance issue frightened me most.
Susan kept correcting me.
“Do not turn insurance into murder evidence.”
I knew.
Emotion did not care.
The first policy was simple.
Chloe had purchased $500,000 term life insurance at twenty-eight.
I was beneficiary.
Six months after wedding, beneficiary became Damian.
The form contained an electronic signature.
Chloe did not remember authorizing.
The insurer’s records showed confirmation sent to an email account.
Not Chloe’s personal email.
A new address:
chloe.prescott.family@…
Created two weeks earlier.
Recovery phone:
Damian’s number.
The insurer froze any policy changes while investigating.
Second policy:
$750,000.
Personal term insurance.
Application represented Chloe as restaurant creative executive earning $84,000 plus design income.
Some information false.
Beneficiary Damian.
Chloe remembered medical exam.
She thought it was for “employee benefits.”
That could support consent to insurance existing, but not necessarily understanding beneficiary.
Third:
$1.25 million key-person policy.
Owner and beneficiary:
Prescott Hospitality Holdings.
Chloe signed a consent page.
The signature appeared genuine.
She remembered signing a stack.
Did coercion make it voidable?
Potentially.
The insurer investigated.
The policy itself was not a murder plan.
It had also been assigned as secondary support in restaurant refinancing.
That was the financial purpose.
Damian wanted lenders to view Chloe as key executive whose death could harm business.
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The irony was brutal.
He treated her as disposable in kitchen while insuring her as essential on paper.
