Listening to this cross of the insurance agent.... The defense seems to be deliberately misconstruing what he's saying and doing so over and over, especially on his ballpark 10%-20% for ALL insurances. She keeps saying $800 in life insurance premiums on DB was only 20% of his income, so all's good, right? He keeps saying no. She keeps getting her manipulative wording out there about $800 being an appropriate amount.
IMO it's a very bad idea for defense to be heckling some of these witnesses. There will be someone on the jury who will TOTALLY sympathize with this insurance guy, 'cos he's just a regular guy, he's worked very hard to get this right, and he 's very sincere.
FWIW very few people on the jury will have life insurance coverage on one member of a couple that is $700k. That number will look wacko to most of them, no need for all this quibbling.
Also, FWIW, Santos is so insistent on the 10%-20% ballpark number for ALL insurances and keeps focusing on financial planning.... you wanna bet the jury members are sitting there doing mental math with their own budgets? They're probably all glazed over with this defense nitpicking and busy playing with their own finance numbers in their heads.
I wish prosecution had asked Santos to list the kinds of insurance people typically have, instead of vaguely "property and casualty" or "health": life insurance, homeowners, flood insurance, special riders for theft, long term care insurance, dog insurance, car insurance, disability insurance, travel insurance, Medicare supplements, health insurance, dental insurance....
Another thing that drove me crazy here.... The defense manipulation that an "all paid-off" condo means you don't have any outlay for housing. Homeowners fees on a condo in Portland are probably higher than NB's and DB's home mortgage in rural Beaverton and would be subject to unpredictable increases.