I wasnt sure who/what Apollo was. I guess its an insurance company.
When I was much much younger, we used to joke about a get rich quick scheme where you would go out and find people of high risk and low means (drug addicts, etc) and offer to buy them a life insurance policy to pay for their burial needs when those arose (likely soon based on the demographic). Buy a $10k policy and pay $1K for burial and make yourself beneficiary (1980 prices). Never took it seriously, but seems like Apollo did.
It’s also illegal to take life insurance out on a stranger. You are supposed to have an insurable interest in the insured. Spouse, parent, child.
Otherwise, it could become a murder for hire free for all.