Download Death Benefit: An Elliot Lerner Novel AudioBook Free

Suppose it were legal to gamble on the time someone else will die. It is, if you invest in a life insurance coverage product called a viatical. Once the sister of an attorney customer dies in her rest of carbon monoxide poisoning because of an apparently malfunctioning warm water heater, third yr law student Elliot Lerner is asked to determine whether anyone could be held accountable in a wrongful fatality lawsuit. As he checks the circumstances adjoining the fatality, he learns about viatical settlements -- investment products designed to provide terminally sick patients with immediate profit exchange for the right to their life insurance coverage payouts when they expire. The amount shareholders are willing to pay for a patient's fatality benefit depends on how much longer the patient is expected to live, because the investor must dominate payment of the insurance premiums. If it appears like the investor's gamble is not going to pay off as planned because the patient is living too much time, and the expense of premium payments is exceeding prospects, there's only 1 way to eliminate that expense.

Category: Legal