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Chapter 231 Hidden Terms(1/2)

 With in-depth investigation, clues from all parties came together, and the chain of evidence of Nancy's suicide gradually became clear.

Susan once again held a case summary meeting, and Deputy Vincent was responsible for analyzing Nancy's suicide.

Deputy Vincent took a sip of coffee and cleared his throat, "It can be seen from the psychological consultation video obtained by Luke that Nancy's life is not very smooth, and the attack of cancer has made her lose hope in life.

In despair, she thought of suicide.

But she couldn't let go of her relatives, and was worried that her children and husband's life would be more difficult after her death.

She thought of the personal accident insurance her husband bought for her last year.

At this time, there is a problem. Under normal circumstances, it is difficult to obtain full compensation for suicide.

So, Nancy came up with the idea of ​​disguising suicide as her own murder.

She made a careful plan for this purpose.

On July 7, she began the first step of her suicide plan. She faked a robbery scene at home and sold the jewelry at home. In order to avoid being traced by the police, she parked her car in a block without surveillance cameras.

On July 8, Nancy drove to the supermarket. In order to avoid being discovered by the police, she also deliberately disguised herself, wearing a white hat and a mask. In the supermarket, she bought suicide tools, ropes, candles, etc.

belongings, went to a self-service gas station to refuel, and then abandoned the car in a neighborhood with no surveillance cameras.

On July 9, Nancy began to fulfill her last wish and eat at a three-Michelin-star French restaurant. This should be the most expensive meal she had ever eaten in her life.

On July 10, Nancy went to a chain beauty salon for a full-body beauty treatment, spending as much as $2,000.

Nancy is a beauty nurse who has been doing beauty treatments for clients. Before she died, she also wanted to try the feeling of being served.

Her thoughts are not difficult to understand.

After that, Nancy fulfilled her wish, returned to the Cage couple's two-story villa, and began to commit suicide.

Nancy first poured gasoline into the room, then lit the candle, and placed some flammable objects near the bottom of the candle, which had the effect of delaying ignition.

Next, Nancy took sleeping pills, blocked her mouth with a hand towel from the restaurant, tied her feet with a rope she bought, and finally wrapped her hands.

That's right, it is indeed entangling, not binding." The deputy captain emphasized, took a sip of coffee, and continued,

"It is difficult for people to tie their hands, but it is not difficult to fix one end of the rope with your feet to wrap it. If it is a normal situation, it is easy to find the difference between wrapping and tying.

But this case is different. The fire will burn most of the rope, leaving only some residue, making it impossible to identify whether it is tied or entangled.

This is also where Nancy is smart.

In addition, there is another point that can prove that Nancy committed suicide.

She took sleeping pills before she died. The large amount of thick smoke produced by the flames would cause suffocation. Nancy's death in a coma would not be too painful.

She was already dead before the fire burned her body. The charred body looked scary, but it was just a dead body.

The above is my analysis report on Nancy’s suicide plan.”

After the deputy team member finished speaking, everyone was a little silent.

Nancy's behavior of committing suicide and defrauding the insurance company was wrong, but it still makes people feel pity.

Xiaohei said, "Although what I want to say may be inappropriate, I still think Nancy's suicide has more to do with her character.

In fact, Nancy's life is not particularly difficult. She and her husband both work. Although they are not rich, they are richer than many families, and they are definitely not poor.

I've seen a lot of black families who are poorer than they are, and some of them are happy."

The deputy team member did not refute Xiao Hei this time and said, "Actually, I can answer this point. Nancy's real pain comes from the huge difference between ideal life and real life.

Nancy works in a beauty salon, and all she comes into contact with are wealthy people. After being in contact with these people for a long time, she will have the illusion that her life should be like this.

Nancy hopes that she and her children can live a rich life. To put it bluntly, she wants to transcend social classes.

Her pain also followed.

Whether you admit it or not, the world is divided into classes.

Wherever there are people, there will be competition, and everyone wants to climb up. It is no longer easy to maintain the current class.

If you want to cross the hierarchy and reach a higher level.

Unless you are very capable and very lucky, you will have to put in unimaginable effort.

In this world, if you work hard, you will be rewarded.

If there is no reward, if expectations are not met, the harder you work, the more painful and confused you will be.

Nancy has been living in this kind of hard work, dissatisfaction, confusion, and pain, which has caused her mental stress and anxiety.

The arrival of cancer directly defeated her.

I even suspect that the reason why she got cancer was related to her mental stress."

Luke agrees with the deputy team's statement to a certain extent. He has heard the saying that the reason why you suffer is because you know too much.

Luke couldn't understand this sentence before, and later he was very anxious for a while and didn't want to do anything.

Then, he started to watch short videos.

America calls it Tiktok.

This thing is very addictive. The short videos are full of beauties, luxury cars, and beautiful scenery. They are really attractive. Time passes by unconsciously, and it lasts for more than an hour.

But after reading it, he found that not only was he not happy, but he was even more anxious and painful.

Why?

There are obviously beautiful things in the short videos, but why do I feel unhappy after watching them?

Later Luke figured it out.

Are the beauties in the short videos pretty?

So fucking beautiful.

Are the luxury cars in the short video any good?

Very good.

Are the scenery around the world beautiful?

gorgeous.

but!

None of this belongs to me!

Compare your life again...

ah!

Can you not be anxious?

Can it not be painful?

From then on Luke understood and was content with what he had.

Of course, it's easier said than done, and you still make mistakes occasionally.

The deputy team leader said, "In fact, not only the poor are dissatisfied with life, but the rich also have their own troubles.

Just like Mrs. Cage, her husband cheated on her.

What's even more sad is that she obviously knows about this, but she pretends not to know.

She will also be in pain, and may even envy Nancy and his wife's relationship.

this is life."

Jenny said, "Anyway, I still feel a little pity for Nancy.

She wanted to use her death to give her family hope, but it was shattered in the end."

Luke said, "It's not completely hopeless.

I asked Andersi Cole for a copy of the policy contract and asked a lawyer friend to take a look at it.

According to the lawyer friend, this twenty-page policy contract also has some hidden clauses.

If you commit suicide within one year, the insurance company will not compensate you.

After more than one year of insurance, if you commit suicide due to some extreme reasons, such as major illness, mental problems, etc., unconventional compensation clauses may apply.

The extraordinary clause states that if the insured's spouse has an annual income of less than 100,000 US dollars and has minor children, appropriate compensation can be obtained.

Among them, children under 14 years old can receive 8% of the insurance compensation amount.

Children between the ages of 14 and 18 can receive 4% of the compensation amount.

Calculated in this way, Nancy's three children can receive a total of 20% of the compensation, which is US$200,000.

The most important thing is that this money is after tax.

Enough to improve a family's life.

Of course, the insurance company may not take the initiative to inform you of these hidden terms, and at the same time, relevant supporting materials are also required.”

Susan nodded, "It's the consistent style of insurance companies.
To be continued...
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