By John F. Di Leo-
There has always been a rule – an overriding rule in the common law, in the criminal justice system and in the insurance industry – that society must not allow you to profit from a crime you committed.
For example, if you file an insurance claim on your house, and it’s proven that you burned it down yourself, you get imprisoned for arson and the insurance company gets all the money back.
Or if you file for the life insurance on your parent or spouse, and it’s proven that you murdered him or her for the insurance money, you get imprisoned for murder and the insurance company gets all the money back.
This system is designed this way so that a societal positive (insurance) doesn’t get perverted into a societal negative by rewarding villainy. The rule is also in place for the very obvious reason that if it weren’t, the system would be literally inviting criminality. “Do I think a year in prison is worth a million dollar insurance payment? If so, I may as well do it.” We have to remove this incentive – an incentive that may warp the judgment of a person of weak conscience or desperate straits.