Yeah, about five minutes after one gets home from the hospital with their newborn, one receives a thing from "Gerber Life Insurance".
It used to be like a dollar a month or something. The benefits (or used to be) very limited the first five years.
Lots of people buy this insurance.
I assumed that this tragedy was the result of events described by the mother until I saw the tape of her responses to police questioning. This needs to be carefully sorted out. The black guys may be thugs with guns, but they also may be innocent.