Wednesday, December 21, 2016

Killing Kids For Insurance Is Semi-Routine

I looked up the articles on Justin Ross Harris to see what they said about his trial and the first twenty of them that came up from Google during the month before and after his trial didn't mention insurance once, or at least not in the articles. One of those twenty articles mentioned it in the comments section.

Major networks collect an enormous amount of money from insurance companies and they make a lot of profit from selling insurance any way they can, even on babies.

There may not be a large number of children killed for insurance money, or at least it may not seem that way, since they’re not reported that often; however even that is too much. I've been able to find close to two dozen, if not more, searching the internet that are relatively recent which were probably killed for insurance. There may also be some other cases where they convicted the wrong person as a result of insurance raising possible motives which were later considered misleading. This estimate is probably conservative and the number of adults killed for insurance definitely runs into hundreds or thousands.

And there is no good reason why insurance companies should be marketing this to families in the first place; especially since they mostly target the most gullible people that fall for their deceptive sales pitches; and when they succeed it is often the children that pay the price.

Edit Since I posted this article Gerber Life has blocked me on Twitter after I began letting some of their customers know about their scam details below.

Insurance and media executives make an enormous amount of profits off of these policies; but they never tell you that the more they pay themselves, or in some cases the people that literally get away with murder the less is available for legitimate claims! 

And these insurance companies should know that it is inevitable that some troubled people will, however rarely, kill their kids for money, if they get desperate enough. It's been happening for well over a hundred years and insurance companies have much better records on this than the majority of the public.

They also know that this is an enormously profitable business because it is a scam, that rarely ever pays out since most of these policies almost certainly lapse long before anyone can collect on them and even if they don’t, it take an enormous amount of time to build up much if any value unless your lucky enough to have your child die at a young age before you pay much in premiums.

This isn’t of course how they market insurance for kids or anyone else for that matter; however if you understand the relatively simple basic principles of insurance that it would be easy to realize that it should always be kept to a minimum if it is bought at all, unless you’re trying to commit insurance fraud!

Insurance is pooled risk, where everyone participating pays into a pool of money, the administrative costs, and in the case of for profit companies profits are subtracted then when one person has an emergency they can use money out of that pool of saved for disasters.

They can never pay out more than they pull in, or even as much as they pull in without going bankrupt so consumers can never get 100% on average of the money they put in. Like gambling a small percentage can get more than they put in, often much more, which makes it seem appealing, assuming you can beat the odds; however that money has to come from somewhere, which means many more losers to pay for the small number of winners.

It’s like reverse gambling; If they have a disaster they win by using it to cut their losses.

This used to be understood but it is never mentioned anymore. The corporations that control all the discussion about it have a financial incentive to confuse the issue, because they get a cut of the loot being paid on premiums.

Politicians also have an incentive to ignore basic principles because they collect an enormous amount of campaign contributions from insurance companies.

What few people recognize is that the more insurance companies spend of campaign contributions, advertising and many other administrative costs, the less they have to pay claims.

You can’t change that ever any more than you can change the fact that two plus two equals four!

The more money people get paid to spin this the less there is available for claims!

That doesn't mean that they don't try as you might know if you’ve ever heard a pitch from an insurance salesman.

Most good insurance agents are of course great guys that tell a good story and most of their customers probably don’t want to think bad of them.

Seriously they are great guys! Would you let them scam you if they weren’t friendly with a convincing story?

Part of the reason they’re such great guys is that they get a cut of the loot being stolen from you so they know how to butter you up and spin a good story. But if they spend all this time buttering you up and most of them get paid more than their customers where tdo you think they get money to pay out claims? The more they get in commission the worse the deal the customer gets, and unless you’re greater at fraud than the smooth talking salesman your not getting your money’s worth.

So every year hundreds of people get killed for insurance money; and if you look through enough of these stories it is clear that many of the murderers get paid off and they often don’t get exposed as murderers until they need more money and do it again, eventually getting caught.

There is no way of knowing how much of your premium money is being used to pay off murderers since they don’t disclose this and even if they did they wouldn’t know unless the murderers get caught so the ones that got away with it without doing it again may never be exposed.

Children don’t have lobbyists and they don’t have the right to consent to their insurance policies that in some cases might put them at risk.

Not that most parents that buy these insurance policies have bad intentions at all; however they do attract a few troubled parents that might act out of desperation and more of them than most people realize are killing their kids out of desperation or serious mental illness.The good parents often fall for deceptive pitches about "saving for the future;" however these pitches never stand up to scrutiny if people understand basic principles of pooled risk or insurance.

You would think that if they had access to rational education that there wouldn’t even be a market for this at all; however there are very few people warning uneducated parents or poor people about many scams and there are a lot of well paid college educated people that study how to pitch scams like this for a variety of reasons.

And in some cases there are additional damages when the few fanatics kill kids, including one incident where a father handed out poisonous candy to several other kids in an attempt to hide his crime, and there have been several examples where fires have been set in attempts, successful or not to kill people for insurance which could have led to the deaths of other people, and in some cases probably did.

As I reported previously in Life Insurance and media companies are encouraging lots of murders there were also plenty of examples of people blowing up air planes for a while, Between 1949 and 1965 there were nine planes mostly in the USA or Canada blown up for insurance and they managed to cut down on this dramatically one way or another.

If potential buyers look up reviews on the internet they’ll get a large variety of them, including some of them listed below; however most of them are shallow weighing the polices as if there are pros to compare with the cons, which indicates they may have some value, when they don’t One of the better reviews by Helaine Olen comes right out and calls it a rip off, in the following excerpts; however even she doesn’t mention the basics of insurance which would indicate that almost all insurance should be kept to a minimum, if it is bought at all:

The Gerber Life Grow-Up Plan: a life insurance plan that no child needs.

The Yuckiness of Gerber Life Insurance The baby food company also sells insurance for kids. It’s a rip-off. by Helaine Olen 02/26/2016

There are many things parents can do to prepare their children for the future. They can move to a neighborhood with better schools. They can pay for after-school activities or extra tutors. And they can obtain life insurance, so their families—and especially their children—are protected financially in the event of their death.

But life insurance on their kids, pitched by the company behind the most popular brand of baby food on the market?

Excuse me while I spit up.

Yes, I’m talking about Gerber, which in addition to its iconic jarred food and other baby products relentlessly advertises something called the Gerber Life Grow-Up Plan. It’s a life insurance plan that almost no child needs. ....

If you go to the Grow-Up Plan website, you learn that if you live in New York, it will cost $7.22 a month to insure a 3-year-old child. That is, indeed, 23.7 pennies a day, or $86.64 a year. Sounds inexpensive enough, especially for something that offers the promise of being not only life insurance but an investment, too.

But what’s the value of that investment? When I called the advertised 800 number, I discovered the cash value would begin in the policy’s fourth year with—get this—$27. By the time the insured child turned 18, it would have grown to $705.60.

By that point, the policyholder would have paid $1,299.60. .....

Dave Ramsey calls the Grow-Up Plan the “Gerber Life Throw Up Plan.” Complete article

Even she carefully uses the phrase “that almost no child needs,” instead of coming right out and saying absolutely no child needs it, and that pooled risk can never provide a hundred percent return on payments for the average policy holder. She acknowledges that "poverty-stricken moms and dads" appear to be the target customer for this plan, which makes it even more outrageous since they’re scamming them from the little money they have, and these parents are often the least educated people and might, in some cases be more at risk when it comes to social problems.

When it comes to the most troubled at risk parents the most powerful institutions, including insurance companies, the media that advertises their products and rights positive reviews that help them sell their scams and the government controlled by politicians taking donations from these oligarchies are far more concerned with scamming at-risk parents for profit than they are with helping them avoid trouble and protect children!

Fortunately there are exceptions, although socially conscious researchers and non-profit organizations don’t have nearly as many resources or political clout as the scam artists. As I indicated in my recent post Obama’s Opposition to Corporal Punishment Needs to be Finished by Grassroots one of the leading causes of escalating violence is early child abuse and corporal punishment which teaches violence. John B. King the outgoing Secretary of Education has come out strongly against it recently advising people how eliminating it might help improve child development and avoid escalating violence.

There are many other programs that could help include the following described by psychologist James Garbarino, who specializes in dealing with children and understanding how they turn violent and how to prevent it:

Chief among these is home health visiting that begins prenatally and continues through the first several years of life. ….

When Bob moved out Mary moved in with her mother so she wouldn’t be alone. Young and scared, Mary was relieved when the clinic told her she could enroll in the home visiting program. Week after week Marilyn, the nurse came to visit with Mary, teaching her how to prepare for the baby and listening as Mary expressed he feelings and thoughts about the future. Marilyn continued to see Mary on a weekly basis for the first six months after John was born. Then, when she saw that Mary had things well under control, Marilyn began to increase the time between visits. When John celebrated his second birthday, Mary was “graduated” from the program. .....

The premier researcher studying home visiting is psychologist David Olds at the University of Colorado Medical Center. His research shows that the biggest positive effects of home visiting occur when the program serves high-risk, single young women in their first pregnancy. Olds has worked with psychologist John Eckenrode at Cornell University and followed the programs of families and children who receive nurse home visiting. They find very positive and durable results that can extend into adulthood. Babies whose mothers received nurse home visiting were born with fewer health problems. And in the first year there is dramatically less child maltreatment. Babies in a comparison group of “unvisited” families among an identified high-risk population had four times as much child maltreatment in the first two years of life. Child maltreatment is believed to be the major cause of neurological impairment in the boys who are especially vulnerable to learning patterns of aggressive behavior in the home. These are the boys who go on to act out in school and in the community, the aggression they learn at home. Home visiting stabilizes and supports families so that they can develop positive momentum and positive functioning autonomy. Follow-up studies report that even fifteen years later the effects are still apparent, including less involvement of the teen in the criminal justice welfare systems.

…. Unfortunately, most high-risk families do not receive home visiting. This is a serious social error, but not one that is going undressed. The National Committee to Prevent Child Abuse (NCPCA) has an initiative, called healthy families America, that is seeking to promote home visiting programs throughout the United States. James Garbarino "Lost Boys" 1999 p.182-4

And tax payers have to foot the bill for enormous expenses when they have to charge parents with murder or insurance fraud. This expense isn’t passed on to insurance companies, who happen to donate enormous amounts of money to political campaigns, nor is it covered by other policy holders. The polices promoted by James Garbarino, and other child welfare advocates, whether it is the home visitor program or many others that actually have a proven track record, are far more effective preventing violence, or at least making it much less likely than solving these problems after the fact with prison, court and other legal expenses, which are much higher.

Why don’t they charge these insurance companies with fraud, which they’re doing on an enormous scale?

When policy holders commit fraud against insurance companies, especially in extreme cases like United States v. Abdelhaq, Dina, 00-1894 (7th Cir. 2001) they don’t hesitate to charge them with fraud as a result of “desperation for gambling money and her practice of defrauding insurance companies;” however when fraud against policy holders has become institutionalized and routine they don’t even consider the possibility that they might be providing a motive for the murders that are done for insurance. A reasonable defense for the insurance companies might be that they never intended for it to be used this way; however when the nature of the transaction is always fraudulent or deceptive and few if any consumers that aren’t better at committing fraud than the insurance companies ever get their money’s worth this defense isn’t very good. This defense would be even worse if they considered the incredibly long history of people killing for insurance money that goes back decades.

If this was carefully considered then reasonable people would recognize that this type of transaction isn’t worth the costs in most cases; and if there are exceptions then at least they should make an effort to provide accurate information to consumers about the basics of pooled risk so they would understand what they’re buying.

Instead they pass “proprietary information” or “trade secret” laws that enable insurance companies to keep any research that they might do secret so that negative externalities or outright fraud is not public. They can take advantage of these laws to keep records of how many policy holders lapse in their coverage so that they have an advantage over the customer, and they can also keep track of how many people are killed as a result of attempts to collect on insurance fraud without letting citizens, sincere researchers and lawmakers that want to minimize them know about many of the most important statistics that might help them do this.

To add additional problems there is at least one high profile case where there may be some doubt about whether or not they convicted the right person, perhaps as a result of racial prejudices or other reasons in the South. About three years ago the high profile case of Sherry West and her son who was shot and killed had a lot of complicated twists and turn and she wasn’t charged, but there was enough evidence to raise serious doubts; and either insurance provided her with a motive to kill her own son or, if the conviction of two black teens was justified it provided evidence to falsely implicate her.

According to, Trial Begins for Teen Accused of Killing Baby 08/16/2013 ‘Ashley Glassey, 21, revealed the subject of conversations she had with her mother after the shooting. "Glassey said she started to have her doubts after receiving a phone call from her mother telling her that her brother, Antonio Santiago, had been killed. She claims the night of the shooting her mother asked, 'How soon do you think life insurance policy will send me a check?,' according to the First Coast News website.’

On top of that Georgia murder of baby complicated by evidence of gun powder residue on hands of both parents 07/20/2013; however when this went to trial the two black teens were convicted. At first they didn’t have any evidence against the teens until Argie Brooks, who collected a $2,000 reward and expected another $8,000 after a conviction,, told police about the suspects. One of them testified against the other and was given a reduced sentence. He claimed the older one was the one who shot the baby and wasn’t given his sentence until two years afterwards and given time served, in return for his testimony.

The case was much more complicated than that and I put plenty of sources below; however it was confusing enough to raise doubts about whether the right person was convicted at all. There was plenty of evidence to indicate that the mother had lots of emotional problems and that she ahd a hard time keeping her story straight. Either the insurance raised doubts about her possibly implicating her falsely, or the insurance provided an incentive for her to kill her own son and led to false convictions of two teens plus the mother of one of the teens who was also charged for allegedly disposing of the gun. Either way there was no reason for the insurance to exist at all.

This wasn’t the only case where the existence of insurance lead to either an incentive to kill or false evidence that resulted in a false conviction; David Camm an Indiana police officer was convicted twice partially because of the circumstantial evidence that he had insurance on his wife and allegedly killed both her and their two children. This was overturned and he was released and the details are as confusing as this one, leaving a possibility that the final results may not have been reliable. Debra Milke also was convicted partially because she had insurance on her own son and served twenty five years before her conviction was overturned.

Regardless of whether or not some of these cases led to the right killer or not the insurance served no purpose except to increase profits for the insurance companies. The original purpose, which people understood decades ago was that they only bought insurance to cut losses and when the wage earner lost his life this would ensure that women and children wouldn’t be left destitute. There is no financial loss when a baby dies; quite the opposite the family will then have much less expenses.

So why isn’t there any effort to inform the majority of the public about the basic fundamentals of insurance so they won’t fall for this scam?

Apparently because no one can finance the efforts to educate the public while the insurance companies can spend an enormous amount of the money they collect on selling policies on deceptive advertising. Adbusters has been trying to buy what they call uncomercials, telling people not to buy stuff, for years and many stations have been refusing to air them. There cases in court have had limited success, with the result that they continue refusing to air them and it only gets attention in the alternative media while most people never hear much about it according to several low profile stories including Can TV stations refuse to carry advertising? 04/13/2009

The result is that in practice the insurance companies get to air their deceptive ads all over the place and efforts to expose it are relegated to the fringes. More importantly research like that done by good academics, including James Garbarino, John B. King and many others gets very little attention except for those that seek it out. Even when John B. King spoke out against corporal punishment and attempted to tell the public about how it leads to escalating violence the media ignored him. Barack and Michelle Obama also remained silent, even though if they spoke out on his behalf the media would have felt obligated to give it more attention or draw attention to their own incompetence.

The result is that fraudulent speech that enables insurance companies and the media to get enormous profits while putting people including children at risk by providing an incentive for troubled people to kill gets an enormous amount of protection under the current use of the first amendment; however more sincere speech that could warn many people about this and go a long way to reduce violence is relegated to the fringe where only those that do their research will find it.

Killings for insurance continue happening year after year and the insurance companies make enormous profits without even being suspected, by most people, of being implicated thanks to the selective control of deceptive information.

The last time I looked into this I found that about 5% of the entries on Murderpedia were related to insurance, possibly closer to 6%. If this is statistically representative then there are probably about seven hundred and fifty people killed every year for insurance. I found more than thirty cases where at least one child was killed with an insurance motive resulting in at least fifty-two deaths of children since about 1955; before 1955 there were at least three serial killers that killed over eighteen children partly in attempts, often successful, to collect insurance. It's virtually guaranteed that there are more cases, since some of them were reported as accidents and almost got away with them. In some of those cases, they collected a significant amount of money for a while before eventually getting caught.

One of the cases, involving John and Melanie Lowrance, appears to have gone cold or been resolved without reporting it on the internet. This case was from 1999 and the last word was that there was a trial pending and that they were also suing to collect claiming they're innocent. No follow up makes no sense after all these years, but the insurance companies would prefer to keep it as quit as possible, which is happening. If they were found not guilty or charges were dropped it's almost guaranteed that teh insurance company would avhe to settle the case, although they often keep that confidential, making it difficult if to research how to prevent this.

Regardless of how many people are killed for the money there’s also an enormous amount that could be done to educate the public more about how to reduce violence and avoid falling for insurance scams if we ahd a more reliable media and political establishment, and in some cases where there is an active grassroots effort to educate people locally it is already happening, although they don’t report on that any more than they expose their own scams.

Update 06/07/2018: This scam has been exposed by numerous sources; however they've only reported it at a low profile manner. Fortunately they don't have nearly as many TV Commercials for this scam as they did when I first wrote this but they still advertise it online in areas that target low income people that are often the least likely to recognize this scam and most likely to fall for it or resort to extreme measures. Ironically while I was doing a relatively brief search for people killed for insurance, for this update, one of the ads that showed up was a Gerber Life ad which was the first one I remember seeing in months. I wouldn't be surprised if this was as part of a Google program to recognize what I was searching for. If so their target audience would be parents buying it that have no ill intentions; however it's just as likely to target parents that are looking for this insurance for the wrong reasons. According to this article Children are killed for insurance money. Maryland is doing something about it. 03/01/2018 by attempting to pass new laws; but this isn't getting much attention either which makes it unlikely that other states or the federal government will address the problem. I have no way of knowing how many additional cases there have been since this was first published, since as I reported before many of them may not even get caught, and I haven't looked very hard; but I did find one more which I added of a desperate mother in Georgia that was convicted of causing an overdose for a two year old child.

The following are some of the stories that I was able to find about children, mostly, that were killed for life insurance, or where it was at least implied as a possible motive but there are almost certainly many more:

Cobb County mother gets life in prison in toddler's overdose death 02/07/2018 Prosecutors called it a case of "poisoning for profit," killing 2-year-old Tyrael McFall for a $50,000 life insurance policy. “The greed never stopped,” the judge said, lamenting White’s “evil and corrupt” actions before, during and after the child’s death.

Justin Ross Harris Trial: Everything You Need to Know 09/30/2016

Justin Ross Harris talked to family about collecting son's life insurance in days after death, warrants show 07/04/2014

Justin Ross Harris Dad Charged With Son's Hot Car Death Told Family How to Collect Life Insurance, Authorities Say 07/04/2014

Minn. Boy Barway Collins might have been killed for insurance, Pierre Collins dad’s charges say 04/13/2016

Garrett Eldred Wilson, the Maryland Father’s First Trial To Begin; Two Babies’ Deaths Initially Tied to SIDS 09/14/2012 In February, Dina Abdellhaq, a 34-year-old addicted gambler deeply in debt, was convicted of killing her 23-day-old daughter, Tara, for a $200,000 life insurance policy. In that Illinois case, defense attorneys argued that Tara died of SIDS, in much the same way that her sister, Lena, just 18 days old, died in 1994.

United States v. Abdelhaq, Dina, 00-1894 (7th Cir. 2001) 12/1/2016 The fact that she took out a $200,000 life-insurance policy on her infant a month before it died even though she was on public aid and deeply in debt for her gambling losses and the infant’s death would not have imposed significant costs on her is suspicious.

Baby of Addicted Mother Is Killed for Insurance Money Dina Abdelhaq of Hickory Hills, IL March, 1999

John Dale Cavaness, a 'respected' doctor in Illinois, was actually a cold-blooded psycho who killed two of his sons to collect insurance Dec. 13, 1984

Moussa Sissoko Father Found Guilty of Killing 3-Month-Old Son for Life Insurance Money He began arranging the $750,000 insurance shortly after his son was born. 03/28/2016

Demetrius P. Guyton Evangelist, Inspirational Speaker, and Author of: The Chosen One: A Touch From Above Guyton still carries the physical scars from the day that his biological mother tried to kill him at the Walker Regional Medical Center in Jasper, Alabama, the same hospital in which he was born to collect a $25,000 insurance policy when he was only two months old. However, he said an encounter with Christ while in prison has healed his emotional wounds.

Karl Karlsen who killed NY son for insurance money now charged in first wife's death in a 1991 house fire just after taking out a $200,000 policy on her life 08/29/2014 Karlsen collected $700,000 in insurance after his son's death. He'd received $200,000 after the 1991 fire that killed Christina Karlsen, Levi's mother.

Mommy Needs Money: Why Ellen Boehm aka Ellen Kay Booker Murdered Two of Her Three Children 04/19/2016 Just a few days later, Ellen received $5,000 dollars from a life insurance policy she had on David through her employer but she refused to pay the funeral expenses of $2,348. .... By the end of August, both children were insured for $100,000 each through six different polices written by three separate companies. ... During their interviews, detectives learned Ellen had collected on the smaller life insurance policy on Steven but the others had yet to be paid. Regardless, Ellen had walked into a dealership less than a month after the death of her second child and purchased a new car. She didn’t even trade in her old one, telling friends she intended to do a private sale.

Murderpedia: Christie Michelle Scott 08/16/2008 Christie Michelle Scott was 30 when she murdered her 6-year-old son and committed arson in Russellville, Alabama, on August 16, 2008.

Ronald “The Candy Man” O’Bryan : The Man Who Killed Halloween 10/06/2016

Wikipedia Ronald Clark O'Bryan October 31, 1974

Jury finds Deborah & Timothy Nicholls parents killed 3 kids for insurance 12/05/2008

India: Did Rakhi Balpande Monster Mom Kill 13-Year-Old for Rs. 10-Lakh Insurance? 08/10/2015

Prince Rams: After a child’s death, a father, Joaquin Shadow Rams is charged and a mother finds a way to move on 12/12/2013

Frances Elaine Newton killed husband and two children 04-07-87 for insurance executed in Texas 09-14-05

Drowning of Recently Adopted Boy Raises Troubling Inquiry 05/14/2000 Ten-year-old Shawn Lowrance and his new dad had gone fishing on one of the last days of an Indian summer, almost exactly one year after John and Melanie Lowrance adopted the boy. But something terrible happened on that October day: Shawn drowned in the Skokomish River. .... Did you know, the investigator asked, that the Lowrances had two life insurance policies on their new son, worth a total of $650,000?

John Melanie Lowrance Parents seek insurance payment in sons mysterious death 04/04/2002 The adoptive parents of a 12-year-old Lacey boy who drowned under suspicious circumstances are demanding two insurance companies pay them $650,000 in death benefits.

Prison News in Brief 03/15/2003 Washington: An August, 2004, trial date was set by the Thurston County superior court in an insurance fraud lawsuit filed by Mutual of Omaha and New World Life Insurance against John and Melanie Lowrance. John is a guard at the McNeil Island Corrections Center in Steilacoom. The insurance companies claim that the Lowrances adopted nine year old Shawn Lowrance in 1998, bought $650,000 in life insurance for the child and then murdered him on October 9, 1999, to collect the proceeds. Shawn died while on a fishing trip with John and another child. An autopsy disclosed head injuries and drowning as the cause of death. Mason county police continue investigating Shawn's death as a homicide. Five days after Shawn's death the Lowrances tried to collect on the insurance policy. The insurance companies claim the Lowrances were in financial distress at the time. The Lowrances deny the charges and have filed a counter suit alleging violations of state law in the refusal to pay on the insurance policy. No one has questioned the propriety of an insurance agent selling $650,000 worth of life insurance for a nine year old child.

Man who killed stepdaughter for insurance money gets long sentence 06/18/2010 Joel Zellmer was found guilty of second-degree murder in April. Trial begins for man accused of drowning stepdaughter in 2003 03/18/2010 Prosecutors say that three months before Ashley’s December 2003 death, at Zellmer’s suggestion he and Stacey Ferguson, the child’s mother, took out a $200,000 life-insurance policy on her. In addition to first- and second-degree murder, prosecutors have charged Zellmer with three counts of first-degree theft for fraudulently collecting payments from the state Department of Labor and Industries for an injury he did not have; for defrauding a mortgage company; and for collecting a bogus insurance claim.

Rodriguez, Angelina September 9, 2000 On the morning of Sept. 18, 1993, when Fuller was out of town on business, Alicia choked to death on the plastic nipple of her pacifier. Rodriguez told police she found the child dead in her crib, the pacifier's shield lying on the floor. "They're going to pay for this," she said of the pacifier's manufacturer, Gerber, according to police reports. And why did she take out a $50,000 life insurance policy on the 13-month-old just days before the child's death? The insurance money was a college fund, she says. After the 1993 death of Alicia, Rodriguez's world shifted radically. She and Fuller divorced. They settled their case against Gerber for $750,000; Rodriguez got about $250,000, according to court records. She bought a house, a car and a boat.

Audrey Marie Hilley May 25, 1975 Anniston, Calhoun County, Alabama, USA Frank Hilley’s autopsy report stated that he’d died of natural causes, so Marie had no trouble collecting on the life insurance he’d bought through Standard Foundry. The total of Frank’s policies was around $31,000, not enough to make a woman wealthy, but still a nice windfall. Meanwhile, Marie had been buying insurance. There were several policies, including fire insurance, cancer coverage, and life insurance coverage on herself. But Marie also insured the lives of her children—Mike was insured for $25,000, while Carol, through two policies, was insured for $39,000. Coincidentally, she was arrested for passing bad checks — they were written to the insurance company that insured Carol’s life, causing that policy to lapse.

Marie Noe 8 victims 1949 - 1968 arrested 1998 Philadelphia, Philadelphia County, Pennsylvania, USA Neither the police nor the District Attorney would speculate on a motive for the killings, though they confirmed that the parents had taken out insurance policies on six children. Of the seven Noe children who had actually come home from the hospital, there was evidence at least six had been insured — the first few for only $100, but from baby number four on, for over $1,000. The company that paid out claims on Arthur Jr., Constance and Mary Lee had rejected the Noes’ application for a $1,000 policy on Cathy the previous March. But Mr. Noe, who worked on the side as a ward committeeman in North Philadelphia, was apparently able to use political connections to find another company to write a $1,500 policy. Since it was unclear if the Noes or the salesman had fudged the application, a lawyer helped them get a settlement of $500. (for Cathy)

Jack Barron killed 3 or 4 1992 - 1995 California He also wanted out of his marriage and to collect $170,000 in insurance. .... If Barron hadn't been arrested, he would have been the sole beneficiary of the estate, including two life insurance policies, Nord testified. ... He presented evidence that Barron, a supermarket stocker, obtained $15,000 in insurance from his wife's demise and $13,000 each from the deaths of the two children, along with Social Security benefits. .... Butler also told Moreno that she was concerned about her son's frittering away the insurance money he had received, Moreno said. In fact, Moreno said, Butler had decided to "confront" her son and ask him to move out. The mother had planned the confrontation for Feb. 27, 1995, the day she turned up dead, Moreno said.

Luke Williams killed two June 19, 1991 Edgefield County, South Carolina, USA Months later, it was discovered that Williams had secretly insured his wife and child just weeks before their deaths. The combined payout from several policies was $525,000 and Mr. Williams was the sole beneficiary. Williams was unemployed had a history of living off insurance settlements for injuries and accidents. He was out of money and had filed for bankruptcy protection.

Oscar Franklin Smith killed three October 1, 1989 Davidson County, Tennessee, USA In March 1989, he had taken out a life insurance policy with American General on Judy for $20,000 and the boys for $10,000 each. In February of that same year, he had taken out a $20,000 policy on Judy and insured the boys for $5,000 each with Liberty National. He had earlier taken out a policy on Judy for $10,000 and the boys for $4,000 each with United Insurance. He thus was the beneficiary of $88,000 of life insurance on the lives of Judy and her two sons.

Cameron Todd Willingham convicted of killing three December 23, 1991 Navarro County, Texas, USA The proceeds of an insurance policy on the girls were later used to buy a pickup truck. Willingham argued that his ex-wife's boyfriend started the blaze, but the jury in his 1992 trial delivered a guilty verdict and the death penalty. Innocence Project claims he was wrongfully convicted and executed

Angela Garcia convicted in 2001 of setting fire that killed two daughters asks for new trial 11/2/2016 Motive allegedly for "renter's insurance"

Prosecutors: Father in arson case tried to shove daughter back into flaming house 09/11/2012 The criminal complaint depicts Armin Wand III as a man so desperate to escape his marital and financial problems that he enlisted his brother in a plot to murder his wife and four young children in their sleep by setting fire to their home for the insurance money.

Wikipedia: Debra Milke served twenty-five years for December 2, 1989 shooting death of her four-year-old son, before conviction was overturned. Milke had taken out a $5,000 life insurance policy on her son.[16] Milke, however, who worked at an insurance agency, had not purposefully negotiated the policy, but obtained it as a part of her regular employee benefits package.

Leonardo Morita killed His wife, Lucy, 45, their three children, Clint, 10, Krishna, 14, and Rama, 15, and the family's 25-year-old housekeeper 05/29/1995

Diana Lumbrera killed six of her own children who had insurance between 1976 and 1990

Earle Dennison killed her two year old niece in 1952 to collect insurance

S.C. Mom Susan Hendricks Slaughtered Family After Praying With Them, Records Suggest 06/03/2013 ..... Earlier this year Hendricks, who claimed to have multiple personalities, admitted she murdered her family members so she could collect $700,000 in life insurance policies. ....

The case of De'Marquise Kareem Elkins was tried surprisingly quick especially considering how complicated it was and the amount of evidence raising doubts about the conclusions. There was an enormous amount of public pressure to get a conviction at the time and plenty of shock value in the media at the extremely unusual circumstances of a black child allegedly shooting a baby over such a small amount of money.

The mother had a track record of emotional problems and apparently both her and the child’s father had gunshot residue on their hands. There was also a financial reward for the witness that initially implicated Elkins, which might have raised more doubts if he had better representation and more time to investigate.

A close look at the stories from this story hardly makes it seem so clear cut as the verdict implies; however it would require more direct investigation before challenging it.

As far as Gerber Life is concerned whether it is an accurate verdict or not there should be doubts about whether they should be selling life insurance for babies to emotional unstable parents, or anyone for that matter. If this had turned out to be done for insurance it would have been a much worse public relations disaster for Gerber Life; and people would have been much more likely to raise doubts about whether or not they should be providing incentives for emotionally unstable parents to kill their own kids.

I was unable to find out whether or not they actually paid out or not. However the relatively small pay out, no more than $50,000 might not have been nearly as damaging to their profits as the publicity and lost sales if it was intentionally done for insurance.

Clearly if this verdict is accurate then Sherry West should be entitled to collect, assuming you think she should have been allowed to buy it at all. Yet any discussion of it would have been damaging to Gerber’s reputation and they would want this forgotten as quickly as possible.

They might actually have a financial incentive to prefer the verdict blaming Elkins even if they ahd to pay out presumably asking for minimal coverage from West who might also want to avoid suspicion if some people doubt this verdict. However a reasonable skeptic would doubt that they would have had anything to do with this verdict, since that would have involved cooperation from prosecutors and police and it is hard to imagine they would go to that much trouble, or that every one would remain quite about it. Therefore even though they have an incentive to prefer this verdict they have little or no opportunity to influence it.

But if more people knew about the details of selling life insurance for babies they might be outraged, as they should especially when they understand that the terms are rigged against the interests of the consumer.

Trial set in baby's murder; mother lost another child to violence in Gloucester County 08/17/2013

.... Defense attorneys have said in court filings they have audio recordings and documents showing the child's mother had dealings with Gerber Life Insurance Co. According to its website, Gerber Life sells life insurance policies for children starting as early as infancy. Coverage runs from $5,000 to $50,000.

Ashley L. Glassey, West's 21-year-old daughter, told television station WTLV of Jacksonville, Florida, soon after the shooting that her mother called her after Antonio was killed and asked, "How soon do you think the life insurance policy will send me a check?"

One of Elkins' lawyers interviewed Glassey on July 30 in Salem County Correctional Facility, where she was lodged in connection with an alleged shoplifting in Washington Township, Gloucester County. According to a transcript, Glassey declined to confirm the story. "I don't want to incriminate anyone," she said.

Her mother previously lived in Gloucester County, where she lost another child five years ago. West's 18-year-son, Shaun Glassey, died after he was stabbed in West Deptford in March 2008. Prosecutors in that case concluded that the 17-year-old who stabbed him had acted in self-defense after Glassey and others attacked him.

Defense attorneys in Antonio's murder case have also pointed to lab tests by the Georgia Bureau of Investigation that found traces of gunshot residue on swabs taken from the hands of West and the boy's father, Louis Santiago. Reports filed in court say the GBI found a single microscopic particle of gunshot residue swabbed from the father's hands, while more than five particles showed up in swabs from West's hands. .... Daughter Of Georgia Mom Whose Baby Was Killed Claims Mom May Have Killed Him For Insurance Money 03/29/2013

Georgia murder of baby complicated by evidence of gun powder residue on hands of both parents 07/20/2013

Georgia man faces trial in killing of baby in stroller 08/18/2013

Daughter of Sherry West Georgia Mother Whose Baby Was Killed Says Mom May Have Killed Him for Life Insurance Money 03/29/2013

Teen 'who shot baby dead in his stroller during robbery' will suggest the boy's own PARENTS wanted him killed for insurance money 08/17/2013

Murderpedia: De'Marquise Kareem Elkins

... Earlier, the man who tipped Brunswick police to 18-year-old De’Marquise “Marky” Elkins and co-defendant Dominique Lang, 15, as suspects, testified that his conscience led him to act, not the reward.

“I didn’t do this for the reward money. Can I say this? Whoever had the guns to shoot a baby... I’m doing this for my conscience,” Argie Brooks said.

He has collected $2,000 and will get another $8,000 if Elkins and Lang are convicted. Lang, who testified that he saw Elkins shoot Antonio and his mother, will be tried separately. ...

The making of a racist travesty 07/31/2013

Grandmother of GA teens charged in baby’s shooting death: They’re innocent 07/29/2013

Dominique Lang, last defendant in March 2013 child murder, pleads guilty to attempt to commit armed robbery 03/31/2015


Mother of convicted baby killer De'Marquise Elkins to serve 10 years for throwing gun away 03/12/2014

Remember the two black teens who killed the baby? 07/25/2013

David Camm

12 Female Poisoners Who Killed With Arsenic often for insurance successfully collecting

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19 Moms Who Killed Their Kids

5 notorious, homicidal tales of life insurance fraud

21 Shocking Murder for Life Insurance Plots (#4 Was Caught on Video!)

Wikipedia: Mary Ann Cotton killed at least four husbands two lovers and her son for insurance money in nineteenth century

Wikipedia: Belle Gunness serial killer from beginning of twentieth century often for insurance By the August of 1900, she had murdered two of her four children along with her first husband, and after collecting on their life insurance policies, had moved to Indiana.

Wikipedia: Nannie Doss 11/2/2016 Doss murdered her two young grandsons and several husbands for insurance money between the 1920s and 1954.

Pastor who conspired to kill for insurance admits targeting others 08/26/2011 Charged with murder of an adult but had taken out policies on others including daughter

Million Dollar Baby Greed, Children, Life Insurance and Murder Apr 28, 2014

14 useless insurance policies

Why You Need Life Insurance for Your Child It can help your child pay for college and a home 07/27/2015

Should You Buy Life Insurance for Your Kids? 06/04/2014

The Hows And Whys Of Life Insurance For Children 01/27/2016

Murdered for life insurance money! 10/26/2010

Edit Blocked by Gerber Life on Twitter 02/22/2017; Since posting this article I have let some of the people who have been tweeting about Gerber Life or other insurance policies about how it is a scam. Clearly Gerber Life took notice and blocked me on Twitter although I didn’t notice when it happen I suspect it was at least a couple of weeks ago. They clearly can’t be happy that I’m letting people know about their scam but that is almost certainly all they can, or will do.

I have no doubt that the claims in this article are accurate and that Gerber Life is the one misleading the public so there is little or no doubt that they wouldn’t want to draw any more attention to this than I have already done; and truth is supposed to be a defense against libel, so they shouldn’t have any case at all if they claimed this was libel.

However there have been dozens of examples where large corporations have attempted to sue or intimidate people that have exposed their scams. At least half a dozen or a dozen that I have seen have been reported by investigators like Marion Nestle and Naomi Klein. Sometimes what they do is try to scare people into remaining silent and when they bring frivolous cases they often try to find some trivial point that they can claim victory on. They did this with the notorious Mc-Libel case where they found in favor of McDonald’s but admitted that their critics had many legitimate points and it did far more to draw attention to their problems than it would have if they ignored it; and many people thought that McDonald’s wouldn’t have won at all without favorable treatment from courts which often cater to corporate interests with political connections.

Marion Nestle also faced a threat when she published her book, “Food Politics” and got a cease and desist letter demanding that she withdraw her book, because it was libelous. However she was well informed about the subject matter and let them know if there was any mistakes they should give her the details and she would publish a retraction. They never got back to her.

It was a bluff which lawyers often try to use to scare people when they have no case; but it backfired when she wrote about this intimidation tactic in a follow up addition.

Food Politics is much more popular than my blog so it is highly unlikely that if I got a cease and desist letter, which I don’t expect, and reported it on line calling their bluff that it would attract as much attention, but it would be more damaging to Gerber Life than if they hope that I go away or don’t get much attention.

A frivolous lawsuit trying to intimidate people would get far more attention and even though I don’t get as much coverage as Marion Nestle that would have a chance of going viral which virtually guarantees that they’re unlikely to do any more about it.

Also if they were inclined to sue someone for libel they would have already sued Helaine Olen who exposed their scam before me, and she gets more attention. They would have to either include her in their suit or they would have to argue that I went farther than her, which in some ways I did; but that would only draw attention to additional problems with their scam.

They have an enormous propaganda advantage by using a cut of their loot to buy advertising and give the media a chance to get in on the action and an incentive to minimize reporting if more kids are killed for insurance money which inevitably they will be although not nearly as often as adults are killed for insurance money which, as I said happens hundreds of times per year.

Some people might find it creepy discussing this, as perhaps they should but the creepiest thing is that an insurance company is providing financial incentive for the credulous and desperate to kill their kids.

Marketing people understand the fundamentals of propaganda include repeating claims over and over again and making them seem simple and positive. This works especially well if they can avoid any contradictory beliefs. In the case of the worst insurance policies, including this one, they can’t stand up to the most fundamental scrutiny so in order to succeed they have to avoid any scrutiny, which they do since the most power full institutions including the media that collect advertising revenue have an incentive to remain silent about the serious problems.

They typically make it seem like an investment and some of their pitches can be very compelling. I once heard one first hand from a very friendly insurance agency that claimed that insurance was no longer about just cutting losses but made a convincing case that it is also about investment in the stock market bringing outside revenue making it worthwhile; which I actually bought briefly before I did a little research; and wondered if it was so effective why wouldn’t they risk their own money. Also if you invest in the stock market through an insurance agency there is a middle man which cuts the returns since they take a cut, and the enormous size of that cut is hidden in the fine print which most people don’t understand.

Judging by this job advertising there should be major doubts about whether or not they inform their workers minding the phones about the basics of Insurance which shouldn’t be surprising. They almost certainly give them the same propaganda they want their customers to believe, if they have any choice and if any workers ask about the flaws in insurance they would almost certainly be let go, or not hired in the first place.

Few if any people would ever even consider doing this type of work if they understood how outrageous it is.

Furthermore if they’re scamming their own customers do you think there is any doubt that they would scam their workers as well leading them to believe they have room for growth?

Also “a bonus based on production every two weeks” is essentially a commission; which means that it is that much less money available to the pool of money available to pay out clams. As I said the more bureaucratic spending they have the worse the deal is for customers.

Work-At-Home-Sales-Telephone Representative- Gerber Life Insurance Nestlé Nutrition 02/24/2017

Fremont, MI

Looking for a career where you can make a real difference in other people’s lives? Think you’ve got what it takes to work for one of the leading companies in the insurance industry? Want a true career opportunity working from home? If so, we’d love to speak with you about joining the Gerber Life Insurance team.

As a Sales Agent working from your home office as part of our Contact Center, you’ll be helping protect families and their future. At the same time you can make this a true career opportunity for yourself.

• Opportunity to earn a bonus based on production every two weeks.
• Playing a vital role in helping individuals and families realize their financial dreams.
• Providing a diverse portfolio of insurance products to help families meet their goals.
• Working with new and current clients to help them reach their protection and college savings goals by using our proven consultative sales approach.

What Sets Us Apart from Other Companies?
• No cold calling! All leads provided by Gerber Life!
• Work from home
• Training is provided
• Base salary plus the ability to achieve a bi-weekly bonus
• Supportive culture which rewards success
• Dedicated Sales Supervisor to assist you
• Comprehensive benefits – medical, vision, dental, paid time off
• Company matched 401K and annual retirement contribution
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