Husband of missing Modesto woman lied about girlfriend, family says

Modesto Bee ^ | 1/17/03 | Jim Wasserman

[csvset]

"double indemnity"

It's a rider that provides for payment of double (or triple) the face amount of a life insurance policy of the insured’s death results from an accident.

[nicmarlo]

Doesn't "double indemnity" have something to do with a large accidental death benefit?

The only way I understand double indemnity is if it relates to criminal law....you can't be sued twice for the same thing (at least, I think that's the phrase they use for that, lol).

[nicmarlo]

LOL, that would be "double jeopardy" I was thinking of for criminal law, not double indemnity. (Can we say DUH?)

[nicmarlo]

double indemnity: It's a rider that provides for payment of double (or triple) the face amount of a life insurance policy of the insured’s death results from an accident

Thanks, csvset.

[snippy_about_it]

Oh no, say it isn't so.

I have a nephew who at this very moment lives in downtown San Jose, in a victorian house, with his college roomates and I didn't even imagine about the beer. :(

Considering you are a freeper, I guess there is hope that all will turn out well. :)

No wonder I can rarely reach him on the phone....

[mystery-ak]

I wish we had a Freeper who sells insurance...I have a few questions to ask that Im not clear on.

[RGSpincich]

what's double indemnity?

The payoff is doubled if the insured dies an accidental death, as opposed to sickness or murder. Used to be a more common policy until it started getting abused and the price went through the roof. Just buying a policy like that for a housewife, as opposed to a firefighter, etc., is questionable. Might be some sort of tip on where Laci is. Accidental drowning in a local creek while walking the dog? Or another staged death to look accidental. Or maybe the insurance plan got aborted all together but the insurance was a factor at one point, IMO. I hear SP watches too much TV, that would explain the insurance stuff.

[nicmarlo]

I bet there has to be some who do....but I don't know any, myself. I need to be leaving home for the day and won't be back on till tonight, probably; so I'll be checking in later. Have a good day. : )

[Lanza]

LOL!

[nicmarlo]

thanks for the additional info, RGS. I need to get offline for a while, going on a road trip to see relatives...so, I'll be checking in here later. Ping me if anything interesting develops. Thanks and have a good day.

[Koblenz]

What's in the water in Modesto? First Condit and now this. Geez.

[mystery-ak]

Check out the other thread about the missing coed in the late 90's....

[RGSpincich]

Holy Sh8t!! Look at this. Click here.

[Chemnitz]

I am a CLU so I will explain a few things. Double indemnity means the policy pays twice as much for an accidental death of any kind. If I wanted to kill the insured, double indemnity would be a great way to get a lot more for the death. It costs very little more because few die in accidents. So the policy is really a half million if he murdered his wife and they call it an accident.

Another factoid. Men do not take out huge policies on their wives. It would be good to see what his coverage is. Most men take out about $50,000-100,000 on their wives. More than that is quite unusual. Insurance companies screw themselves when they issue large policies on one spouse and not on the other, when the insurance is out of proportion to the value of the insured.

I did not sell a lot of insurance, but I never had a single sale of more than $100,000 on a wife. Most agents consider than a bonus sale, to have a smaller policy on the wife.

[Devil_Anse]

I see your point--that maybe that photo was just taken after someone made a joke or something. But I've also seen another photo of him at the same candlelight vigil. In that one, he is holding his 8-yr-old niece--and he has a big smile on his face in that photo, too. Plus, I think someone posted a video showing more smiles.

[texasbluebell]

As loathsome as it is for me to defend Scotty-poo, in this particular photo, maybe somebody said something humorous to him at the moment the photo was shot. Someone could have said: "Hey Scott....isn't that photo of Laci beautiful?" and then he looked at it and smiled.

Be sure to read the post by blondee123 on yesterday's thread--

link

which quotes the Modbee article about the New Year's Eve vigil.

Here's the quote:

"He did not sit with family members at a vigil for his wife that was held on New Year's Eve. Instead, he mingled with friends and family in the crowd, laughing and smiling a good deal of the time."

[Yaelle]

I wonder why they connected him to the missing girl 7 years ago. Hmmmm. Well, it is turning out to be, like in the maximum of cases in good neighborhoods, a crime caused by one near and dear. Wonder if Condit is sweating a little: he was the near and dear to poor Chandra.

[texasbluebell]

I'm glad you reposted that quote. I hadn't read as far as your post #9 though, so I linked it from yesterday's thread. That image needs to be remembered.

[RGSpincich]

Heard he was among the last to see Kristen but was never interviewed. He probably went fishing for an extended period of time. Kristen Smart, Krista the guestbook signer who pointed to a girlfriend and an unhappy SP with Laci. Eerie coincidental name similarity.

[marajade]

I can't question the emotion he may be feeling right now... Maybe he was trying to remain upbeat that she is still alive... you know denial? Who knows? All we know right now is that the guy was having an affair... Is that motive for murder? sure... But I wouldn't be out there saying in a public forum he did it... Would I in private? Only my husband knows for sure...