Theory 3 is likely it. a) She knew who she was dealing with & b)650,000 emails is too many for one persons inbox on a BB. It is the whole email DB. c) If you wanted insurance, you’d want ALL of it.
So are the emails duplicates to what the FBI saw, well some of them are, so you could accurately say they are duplicate emails and nuance spin it that way and not be lying.
Theory 3b - not for life insurance, but for the Muslim Brotherhood