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Bob was 25 and reflecting on his life. It sucked, and his wife didn't. The best he could do was a dead end job in the collection department of a Philadelphia bank. The job paid well enough but he would go no where from it, and he hated going to work each day. On Sundays nights he couldn't sleep with the hatred for going to work the following day.
Then in a TV story he read of a way to cheat life insurance companies, with a phony Hattian funeral. He researched it on the internet and through his banks insurance agency. He found that Hattian death cerfiticates were no longer generallly accepted, abut there were two other countries that had started similar servies for rich Norte Americano's. He found there were one or two secrets to this, keep the policies under $200,000, insurance companies do not investigate small claims. Keep the policies in force for at least two years so they were by the incontestable clause. He talked this plan over with his young wife Lydia, she had his same moral ambiguity and she said sound like a better plan than the one they had now which was nothing. Bob went ahead and applied for 14 policies with 14 different companies through on line insurance sites. All five year term life insurance policies. He had 14 physicals, 14 blood tests, and 14 urninalysis. In the end all the policies were issued, and the premium was only about $180 a month for all of the plans. Now he just had to wait. Lydia had been his wife for two years when they started the plan. They lived in a row home in northeast Philly. No children, they had quickly settled into a routine of unrewarding sex twice a week, however no children had appeared. Bob kind of expected kids that was they way things were supposed to work. Lydia had lots of girl friends they would stop by the row house, and talk in gigle in the kitchen while Bob watched TV. Sometimes for gods sake they would even go into the bathroom together and giggle up a storm. Bob saw nothing amiss. Finally their fouth wedding anniversary passed, and the two years were up. Bob booked an el cheapo vacation to one of the lesser known spots for his faked passing. The plan was for him two go there have his fake death documented then live in Fla or a couple of months while Lydia got the policies cashed in. All went well in the tiny South American Country. $500 yankee dollars he had a death certificate, a terrible accident, pictures of his body in the morgue, and a fine view of his grave. Then under forged identity he snuck back into the USA. Using blind emails and a simple code he would communicate with Lydia. He left a time and pay phone number for her to call. Finally at the 60 day mark she called at the appointed time to let him know it was safe to return she had the money. Bob rode the "dog" back to Philly, and called Lydia, to check if the coast was clear. His plan had been he they would move to some place where neither was know as a fairly wealthy young couple. He arrived home at about 9PM and knocked furtively at the back, Lydia let him. He was shocked to see a young blond girl sitting at the kitchen table drinking a beer. "Hey whose that?" "Bob I like you to meet my new best friend Sheila, Sheila my husband Bob, who I have told you so much about." "This is a bad idea." "Don't worry, I have told Sheila all about our little plan, and she has made some very helpful suggestions to me. Here have a beer, sit down and relax you must be really tired." Lydia handed Bob an opened bottle of beer and she sat back down next to Sheila. Bob shrugged took a slug of beer, and grimaced it was really bad must have been out in the sun. He sat down across from the girls. "This beer must have gotten really hot, it tastes really bitter." "Oh Bob that must be from the six pack that was in the car all day, you drink that one, and I'll get a new six pack tomorrw." Maybe it was being back in his own home, or being back in Philly or just release of tension in general, but he really started to relax by the time he had half of the really bad beer down. By the time he finished the beer he was so relaxed he could just barely sit in the chair. "How do you feel Bob?" Asked Sheila. "Fine as frogs hair" came a rather mumbled reply. "Lydia, I think we can start preparing him." "Your right, he seems like he will really be compliant. Bob honey we kind of doped up your drink a bit. See Sheila and I are lovers, Bob I have been a lesbian since I was 14, our marriage was just a beard. You always wondered why I never got pregnant didn't you. Well every time we made love, and rather badly I might add, I would get up and douche with a spermicide. Seemed to work." "Well everyone should have friends." came Bob's response, although even further blurred. "I might as well tell you everything Bob, your already dead, so I was planning on killing you when you got back, after all I do have your life insurance money safely in the bank, and you can't kill someone that is already dead. But then I met Sheila, and we became lovers, I told her all about this and she said you would be perfect since she was a sadist." "You mean she dresses up in black leather?" Bob was not tracking. "No Bob. Thats a dominatrix. Sheila's a sadist, she likes to torture people and gets her kicks from causing them pain. She said you were an ideal subject, since no one would ever miss you. She wants to torturer you tomorrow, by castrating you and cutting off your penis, to see how much pain it will cause."
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