NCBanker said:
I have to disagree with you on this one. Any life insurance they had was as a result of Janet's employment. Don't forget that they didn't have enough money to pay their rent due to being unemployed. When times get tough, the first things that lose priority are the nonessential items, like life insurance. Besides, it's not even in Raven's genes to be responsible enough to actually take out a voluntary life insurance policy.
Regarding the payout, it may be on hold if the insurer has communicated with LE and determined that the beneficiary is a person of interest.
I don't think we really have any way to know this as fact, at least at this point. But, I have a couple of thoughts too -
- Just out of curiosity, I just ran an online quote for life insurance... for a female of Janet's age, in NC, and in good health, and a non-smoker, the annual premium for say $150,000 in term life ends up being anywhere from $87.50 to $130.00, for a year.
That said, many couples often take out life insurance, in addition to whatever might be provided by an employer, especially after the birth of a child. So it would certainly seem possible that Raven and Janet took out policies, independent of their jobs. And, if the policies were taken out months before Janet was murdered, when they were both still employed full-time, etc., it's not unreasonable to think that they could have paid a year's premium, in entirety, at that time.
I can certainly see that once times got tight financially that paying a life insurance premium might not have been high on the list of priorities. But, if an ANNUAL premium had been paid months before, then there could certainly have been policies in force at the time of Janet's murder.
And to take it even a step further - IF Raven was truly premeditating Janet's murder for a good while, and he knew there was a policy, even then I can see that he might come up with the money to keep the policy current, knowing that perhaps he was the beneficiary of said policy....
I totally agree though regarding pay-out of ANY policy. Any life insurance company would be reluctant to pay a death claim in a homicide, if there's even any inkling that the beneficiary might be involved in any way whatsoever. If there is a policy, I'd bet money that no one has seen a pay-out at this point!