At 3:17 A.M., Police Told Me My Husband Was Dead—But He Was Sleeping Beside Me

Julian had a five-million-dollar life insurance policy.

I was primary beneficiary.

If Julian had been declared dead, I could have received proceeds.

That made me initially look suspicious.

Wonderful.

Then came the second policy.

A separate policy on my life.

Julian was not directly listed as beneficiary.