The insurance policies had been purchased over a year before the wedding, not in the weeks just prior. Calculated fraudsters bought coverage close to the act. Fourteen months suggested either extraordinary long-range planning or policies bought ordinarily, in the way most young newlyweds did. Still, Dellray decided to talk to the family again.
Ryan’s father, Douglas Calloway, was 78 and widowed. Ryan’s mother, Lorraine, had died of cancer in 2015. He met him in his kitchen. He was a careful man who had rebuilt his life methodically after his tremendous losses. When Dellray placed the photograph on the table, Douglas stared without speaking for a while.