Geez, it's just a house!

[david_mcmanus]

http://www.boston.com/news/local/breaki ... eclos.html

[Alan]

[david_mcmanus]

[rose-colored-coolaid]

Uh. Yuck!

It's hard to even imagine what would make a mother and wife think the best solution to her problems is to create a widower and almost orphans.

[mukoh]

[david_mcmanus]

I guess my contract is lying to me then because I'm staring right at it.

2 year waiting period after buying the policy. 0-2 years, no benefit. After 2, they pay.

Google it. It depends on the company and the state you live in.

http://www.insure.com/articles/lifeinsu ... asics.html

"All standard life insurance policies generally cover death by any cause at any time in any place, except for death by suicide within the first two policy years (one year in some states)."

[Robroy]

[faster]

[Alan]

It is hard to know what the full story is.

Maybe the wife was manic-depressive. During her manic phase she might have taken out a HELOC or 2nd mortgage and gone on a huge shopping spree. Her husband went along happily paying the frist mortgage. When the bill came for the 2nd loan, the wife couldn't pay it. Her manic phase ended and she had no one to blame but herself. She saw the life insurance as the easiest way to correct her mistake and thought that her husband and children would be better off without her screwing things up.

Just speculation wrapped around a narrative. There are a million other stories that fit the circumstances. Some level of mental illness was certainly involved.