“Someone still applied for millions of dollars of insurance on me.”

“Yes.”

“Using information I did not provide.”

“Yes.”

“And Mark is the beneficiary.”

“Yes.”

She closed the folder.

“That is still extremely serious.”

PART 11 — WHY MY SIGNATURE MATTERED

Clara explained that a life insurer does not simply allow a spouse to secretly buy a huge policy and collect later without the insured person’s required participation.