Everyone should know how a loved one died. For twenty-four years I have told friends and therapist that I don’t own a picture of how Christine Rosamond Benton died. Since 1994 I suspected members of my family owned the truth, and for a number of reasons were not telling me. What I could not believe, was what my mother Rosemary told me. She said there was a party planned out there at Rocky Point, and, Christine did a Virginia Woolf.
“She put stones in her pocket, and walked into the water.”
On March 28, 1941, shortly after the devastating dawn of WWII, Virginia Woolf (January 15, 1882–March 28, 1941) filled her overcoat pockets with rocks and walked into the River Ouse behind her house never to emerge alive. A relapse of the all-consuming depression she had narrowly escaped in her youth had finally claimed her life. She left behind a remarkable body of work —
Why would Christine kill herself if according to Stacey Pierrot, things were beginning to go well for my sisters again. After the funeral, in front of the Rosamond Gallery, Stacey got down on one knee, clasped my mother’s hand, gave a glowing report, and said;
“Don’t let the dream die!”
I thought this was a show put on for me. My mother seemed to be in on it. A month later she let’s me – in on it. She knows I was kept away from the meeting in Christine’s home the day after she died. Shamus Dundon told me Stacey Pierrot and Jacci Belford were there. Later, Stacey tells me there is a life insurance policy. I ask her to read it to me. She said she gave it to the executor. Christine named Vicki Presco and Jacci Belford her executors. They decline to serve, and nominated Garth Benton. Jacci called me and said she made a offer to pay off the creditors and purchase the estate. Where did she get the money, I asked.
Last week I was talking to my dear friend Marilyn Reed on the phone. She is just finishing ‘When You Close Your Eyes’ by Tom Snyder. She interrupts me, and says;
“If it was a suicide, they could not collect on the life insurance policy.”
I felt like I had been hit with a sledge hammer.
“Why didn’t I see this? It’s right there under my nose all along! Rosemary told me the truth. I thought she was leading me astray.” I said to my oldest friend on earth who presented me more truths at the Mayor’s show.
I told Marilyn everything is falling into place like one of those movies.
“The tumblers on the safe door are rolling back. Everything fits! This is more dreadful then the kidnapping of John Paul Getty, I have proven is my kin. This is diabolical. Two books have been written and a couple of screenplays. The people behind them are guilty of Life Insurance Fraud. They tried to trick a movie producer into helping them with the cover-up, that nets them more money!”
Alas I own a True Picture! Christine jumps off a cliff into the sea, and, there magically appear a treasure chest. My kindred & friends, open the lid and behold gold coins, the book and movie contract, and fame! They will get bragging right galore for saving the Rosamond legacy, and, my niece Drew……..who was never in the water, and, knows the truth. So does Vicki and her son Shamus Dundon? How about Kasandra Dundon, who closes Snyder’s Big Swindle Book, with a glowing Accident Report. Does Tom Snyder know the truth? How about the Executors, Sydney Morris. Mark Presco – knows for sure!
What we got here is the Kidnapping of a Dead Body in order to cash in on a life insurance policy. Last night I went into my boxes of papers to see if I mention possible fraud. Below are two papers of my report I gave to the Coroner, and Officer Phil Penko.
“49. I filed a theft report with the Monterey Police Department. That case No. is 91-3309. Officer Phil Penko. I am also poised to send this report to the Dept. of Insurance Fraud to see who held the insurance on my beloved sister! I talked with Russel Meals. He believes something is going on; this is, if it was suicide, these newmade ‘Friends’ would be out of luck.”
These friends worked for Christine ad got paid. She filed bankruptcy. My sister may have killed herself when she got bad financial news. These workers wanted to take charge of the Rosamond Estate. Add it up!
Then there is Lawrence Chazen’s attempt to be the executor. He was the No.1 Creditor. Did he have a life insurance on Christine? They were partners in the first Rosamond Gallery. I am composing a letter to Gavin Newsom and Nancy Pelosi. This post is the crux of the report I am going to make after talking yesterday to a woman who investigates Life Insurance Fraud.
In 24 hours I lost all my siblings. Beholding the life insurance money that could be in their grasp – IF THE LIE – they chose to throw me away, because they knew I would not go along with it. They knew I didn’t have a price. They knew I was the surviving artist – who owned integrity. Then, they went after my newfound daughter – and my grandson – before he was born. These monster parasites fed off art and literature. They fed off the dead.
With the help of Marilyn the empty spaces are being filled in. I was dead, but, now I am amongst the living. I want to see Mark and Vicki Presco – behind bars! Then the lawsuits will begin!
Life insurance policies will usually cover suicidal death so long as the policy was purchased at least two to three years before the insured died. There are few exceptions because after this waiting period, a life insurance policy’s suicide clause and contestability clause expire. However, your beneficiary’s claim can still be denied if you failed to disclose information at the time you purchased the policy, such as risky behaviors or a diagnosis for depression.
- When Does Life Insurance Cover Suicide?
- Questionable Situations
- Drug Overdose or Alcohol
- How to Prevent a Denied Life Insurance Claim After Suicide
It is estimated that 250,000 people per year in the United States become suicide survivors, one of the most painful situations to deal with. Losing someone you love, and all the questions that come with that loss are extremely difficult to face. Having to deal with a denied life insurance claim in the face of a suicide is an added devastation, here’s what you need to know about life insurance and what you can expect if the cause of death is due to a suicide.
An insurance policy or annuity is a contract between the company that sold it and the person who bought it. As a result, the proceeds don’t go through the probate process (see How the Probate Process Works: Information for Executors), and the executor isn’t in charge of them. It’s common for the policy beneficiary, not the executor, to deal with the insurance company and collect the benefits directly. But executors may be called upon to help beneficiaries claim the payments they’re entitled to.
Former spouses. Generally, divorced spouses are eligible for benefits under the same rules as surviving spouses, if the marriage lasted at least ten years and the divorced spouse does not remarry before age 60. If, however, the ex-spouse is taking care of the deceased person’s young or disabled children, it doesn’t matter how long the marriage lasted.
I have strong evidence my late sister took her life. I am making reports to the proper authorities. This is the greatest fraud in the history of art! The sell of my family legacy to Stacey Pierrot is a huge fraud. Vicki Presco is also guilty – and her son! Drew Benton needs to be interviewed. Her father, Garth Benton, talked her into telling a diabolical lie.
Sandra Faulkner wrote a biography about my late sister that has been disappeared, along with the autobiography written by Christine. On the Rosamond Publishing website that first appear in April of 1997, fans of Rosamond read this;
“Though death came early to Christine, it was not hastened by her as many around her feared it might be.”
In the aftermath of a suicide comes sadness, pain, confusion and even anger. For family members, though, there may eventually be financial matters to deal with as well.
I don’t know whether actor Robin Williams, who died by suicide this week, carried life insurance.
For family members in general, two policy clauses can come into play when someone they love dies by his or her own hand. If either clause is invoked by the insurance company, the insured person’s family would receive no death benefit, though they would get back the premiums paid for the policy.
Does Life Insurance Cover Suicide?
Depending on when a life insurance policy was purchased, life insurance may still pay out the death benefit to the beneficiary after a suicide. As a rule of thumb, if a life insurance policy is purchased within two years before the suicide, the death benefit may not be paid. We’ll cover everything you need to know to help you understand if a life insurance company will still pay the death benefit when the cause of death is suicide.
How Life Insurance Policies Work For a Suicide Death Claim
The insurance company may or may not pay the beneficiary of a life insurance policy in the event of a suicide depending on the circumstances, the primary factor being the existence of two clauses found in a life insurance policy: The Suicide Provision and the Incontestability Clause.
Payment to Beneficiaries of a Life Insurance Policy if Death is Due to Suicide
Suicide may be covered by life insurance in many cases, however, the clauses in a life insurance policy are meant to stop people from only buying a policy because they want to leave money to their family after a suicide. To avoid people using this as a strategy to leave money from the life insurance to their beneficiary after a planned death, there are some basic rules in place.
Suicide and Life Insurance
According to the most recent data available on suicide by the CDC in the U.S. in 2014, there were over 40,000 deaths by suicide. Suicide is shocking and often unforeseen by the people left behind. It is a devastating tragedy. Naturally, it would only be fair that family members left behind by an act of suicide should be able to benefit from the life insurance policy, however in order to do so, certain conditions must be met to allow a payout from the contract.
Unfortunately, in the first two years of any life insurance policy, there is a clause known as the Incontestable Clause, as a result of this clause, the insurance company may contest and deny a claim for several reasons, one of them being suicide.
The Contestable Period in Life Insurance and How It Affects a Suicide Claim
The incontestable clause in a life insurance policy is a key reason that a claim would be denied by a life insurance company in the first two years of a policy being in force. According to the National Association of Insurance Commissioners (NAIC), this may include following a death by suicide. The incontestable clause allows the life insurance company to deny a claim during the contestability period. The contestable period outlined in the clause is usually for a term of two years following the initial date the insurance policy coverage first started.
Once the term of the incontestable clause has passed, then a life insurance claim becomes “incontestable” with the exception of very serious issues like fraud or misrepresentation. You should contact your life insurance representative to find out the exact details of your policy and the term of the clause in your specific situation.
Can a Life Insurance Company Deny a Claim If Death Is Due to Suicide?
If the policy has been in force less than two years during the contestable period of the life insurance policy, then an insurance company may investigate the claim and deny the claim for life insurance if suicide is the cause of death according to the NAIC.
In addition to the incontestable clause, a life insurance policy may also have a Suicide Provision or Clause.
Suicide Provision Clause in Life Insurance
The suicide provision addresses the terms and conditions of payouts, or exclusions due to suicide specifically. It often also comes with a two-year time frame for the exclusion of payout due to suicide. If your policy contains the suicide clause, then a claim may be denied per the conditions of the clause which usually states that no death benefit will be paid if the insured commits suicide or if suicide is the cause of death.
At the time you purchase a life insurance policy, your insurance representative has an obligation to explain all of these clauses and policy conditions to you, as well as other exclusions in your life insurance policy as part of the purchasing process.
Difference Between the Suicide Provision and the Incontestability Clause
The suicide clause and the incontestability clause are not the same. The incontestability clause is broader and deals with the insurers ability to contest or deny a life insurance claim during the contestability period. Other reasons besides suicide may include the following, among others:
- death during an illegal act,
- misrepresentation of information,
- potential “drug abuse and alcohol” clauses
It is very important to get the exact specifics of the life insurance policy purchased when signing a life insurance contract so that you don’t end up with surprises, or have a claim denied. Be sure and ask about the specifics.
When Will a Life Insurance Policy Pay Out For Suicide
After the suicide provision period, or the contestable period is over, which is usually two years from the date of purchase of a new policy, then a life insurance policy may pay the death benefit in a claim for suicide to the beneficiaries. To understand your policy terms, you can also check the policy’s exclusions section, since the suicide provision can be different for each policy.
When a Life Insurance Policy Will Pay a Claim When Cause of Death is Suicide
If there is no exclusion or clause in effect at the time of death that excludes suicide. John and Mary purchased a 10-year term life insurance policy when they got married, they paid their premiums and kept the same policy in force.
Five years later, Mary was diagnosed with depression, although she was in treatment and had been doing well, one day, much to the family’s shock, they discovered she had committed suicide. John was devastated, family members helped him get all Mary’s affairs in order and discovered their life insurance policy.
Although the money did not help with his devastating loss, the family was surprised and reassured when they found out that the insurance company would pay the claim, even though the cause of death was due to suicide, because the suicide provision no longer applied.
Example of Insurance Company Denying Claim Due to Suicide
Jeff had kept a life insurance policy for the past 20 years, when it came time to renew his policy, he decided that since it had been 20 years, the same life insurance company may now offer a better policy, so he did some investigation and switched to another kind of policy from the same life insurance company. A year later, he committed suicide, he didn’t realize that because he had switched life insurance policy the contestable period had reset, and the suicide provision now applied. His family was denied the claim.
Example of Insurance Company Labelling Death Suicide and Denying a Claim
This is a real-life example of a situation where an insurance company assessed a death as a suicide but then it was later determined that the cause of death was accidental. Todd Pierce had been diagnosed with skin cancer in 1999. Ten years later, Todd was on a road trip and he was involved in a fatal car accident. The insurance company labeled the accident as suicide and wanted to deny the claim.
Todd’s wife Jane could not believe that they were calling his death a suicide. She decided to obtain the help of a lawyer, and as a result, the insurance company ended up setting with her, and not going to court. Most people do not have access to a lawyer at a reasonable cost, in addition to the devastating circumstances of a suicide, they often give up and do not necessarily try and fight the denial of a life insurance claim due to suicide.
In this case, Mrs. Pierce was brave and fought for her settlement. This is a rare exception, most life insurance claims are paid without a problem, however, this is a good example of a situation where a claim may have been denied due to policy wordings, clauses, and exclusions. Thankfully the beneficiary was able to get legal counsel.
Worried About Life Insurance and Suicide?
If you or someone you know is suffering from depression or mental health issues, or just having a hard time, the most important thing you can do is get help for yourself and them so that you never have to worry about your life insurance policy and if it will pay out in the event of a suicide.