KOZINSKI, Circuit Judge.
In 1990, Joseph Meling took out several hundred thousand dollars in life insurance on his wife; in early 1991, he added accidental death benefits. All told, Meling stood to collect $700,000 if his wife happened to die in an accident. Meling was not just being prudent; he was planning for the future.
Meling, however, wasn't satisfied to leave such important matters to chance: The day after the coverage became effective, he fed his wife...
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