The title said: Application for Supplemental Rider on Child Life Assurance Policy.

Right under the heading, Julian had filled in Chloe’s name, her date of birth, and a payout of two hundred and fifty thousand dollars, naming himself as the only beneficiary.

“This is a two-hundred-fifty-thousand-dollar life insurance policy on Chloe,” I said, my voice sinking low.

“The commercial lender requires it,” Julian said, his fingers fussing with his watch strap again.

“When you take out a business line of credit, private lenders demand family coverage to secure the note.”