“Three things and each one is small.” She held up a finger for each.

“The financial justification on the two later applications referenced a business valuation that doesn’t reconcile with anything filed anywhere.

Not fraud on its face — people inflate.

“The medical exam for the September policy was conducted at a mobile provider in a hotel meeting room in Independence rather than at your physician.

That’s legal and it’s common and it’s also what you do when you don’t want a primary care record.

“And the beneficiary designations on both later policies were made irrevocable at the point of application.”