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I had a husband and wife each buy 25000.00 plan. They both died within 4 months of the effective date. UHL paid out both claims in under 4 weeks. Granted this was 20 years ago. I got a ton of referral business from that.
I think there are some cases for Johnny Dollar here.
Edmund O'Brien could solve those cases in 25 minutes apiece with 1 or 2 concussions and an expense report.
If I'm on the run from the law and someone called me and said that I am a beneficiary of anything, my first thought would be "nice try, law enforcement. I'm not falling for that"
I can't tell you how many times the cops tried that one on me.