canadian goose jacket Taking to task an industry that bets on children’s lives for an easy profit canadian goose jacket
canada goose store Prince McLeod Rams in an undated family photo. (FAMILY PHOTO) canada goose store
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Canada Goose Jackets THE INSURANCE specialist who sold Joaquin S. Rams a $444,083 life insurance policy on his then infant canada goose outlet boston son recently recalled for us some of the circumstances of the transaction: How he contacted Mr. Rams by phone canada goose jacket uk after Mr. Rams responded to buy canada goose uk an ad. About their initial conversation, in canada goose outlet online uk which Mr. Rams boasted about being a high level government employee and also an canada goose uk aspiring musician who had been on the “Voice” and was about to go on tour with Jay Z. How he canada goose coats uk did a Google search but found “absolutely nothing.” And how he sold the policy anyway because it was really none of his canada goose outlet website legit business to raise suspicions. “I was a canada goose outlet sale salesman,” John Donovan explained, “selling a product for a commission.” Canada Goose Jackets
Canada Goose sale That a 15 month old child ended up paying with his life killed by his father who wanted to cash in on this and two other policies should give pause to an industry that sees juvenile life insurance as a means to easy profit. Obtaining http://www.canadagoosejacketoutlett.com life insurance on a child, according to insurance experts, takes less effort than getting a policy on an adult, with fewer checks that might reveal possible fraud or bad intent. Canada Goose sale
buy canada goose jacket cheap MassMutual, the financial group that issued the $444,083 policy, has declined to discuss the particulars of this case with us. After Mr. Rams was convicted in April canada goose outlet mall of capital murder and canada goose outlet in montreal insurance fraud for the 2012 death of Prince McLeod Rams, a spokesman emailed a statement: “First and foremost, this is canada goose outlet florida a horrific tragedy and we are pleased that justice has canada goose outlet store near me been served. MassMutual continues to adhere to rigorous standards and practices for both the review and approval on all policies we underwrite and issue.” buy canada goose jacket cheap
canada goose Mr. Not only did they fail to discover that Mr. Rams lied about his financial situation and about Prince’s mother being dead (she wasn’t), but also they did not detect that he had already applied for a $30,000 policy with another company. Several months later, a third company issued a policy for $50,000. So much for the industry’s vaunted review by third party administrators. canada goose
canada goose clearance Prince’s mother, Hera McLeod, said she had been worried about her ex boyfriend taking out insurance on the child their custody fight and her canada goose outlet 80 off bid to prevent unsupervised visits were marked by allegations that Mr. Rams canada goose outlet toronto had previously killed the mother of his older son and his mother for insurance purposes but was stymied in getting information. She and Prince’s grandmother contacted several insurance companies and were told that the only way they could obtain information was if Prince were dead and a policy was paid out to a beneficiary. canada goose clearance
Canada Goose Parka There should be, Ms. McLeod argues, a national registry that would allow people to find out if insurance policies have been taken canada goose parka uk out on them or their loved ones. This would be a helpful tool for law enforcement and insurance agents. And other safeguards should be put in place, too. canada goose outlet online store Instead of allowing companies to set their own canada goose vest outlet rules, states need to establish standards (as Washington state has done) or set limits on the amount of insurance that can be taken out on a child’s life (as is the case in New York). Canada Goose Parka
canada goose coats on sale Data on how many murders are motivated by life insurance is spotty, and advocates for the industry may be right that cases like Prince’s are the terrible exception and not the norm. But do your own Google search and you’ll come across heartbreaking cases such as 7 week old Tara canada goose outlet Abdelhaq suffocated by her mother in 1995 to collect $200,000 or the canada goose outlet store uk three children of Deborah and Timothy Nicholls left in a burning house in 2003 for $10,000 on canada goose outlet official each child. What won’t show up are instances in which a killer might have gotten away with the crime and that is even more reason for better safeguards canada goose coats on sale.
