BLACK HAND.
“Well,” I ejaculated, “that’s cool. What threat would be used to back this demand on the Phelpses?”
“Here’s the situation,” resumed Andrews, puffing violently on his inevitable cigar and toying with the letters and clippings. “We have already held up payment of the half-million dollars of insurance to the widow as long as we can consistently do so. But we must pay soon, scandal or not, unless we can get something more than mere conjecture.”
“You are already holding it up?” queried Craig.
“Yes. You see, we investigate thoroughly every suspicious death. In most cases, no body is found. This case is different in that respect. There is a body, and it is the body of the insured, apparently. But a death like this, involving the least mystery, receives careful examination, especially if, as in this case, it has recently been covered by heavy policies. My work has often served to reverse the decision of doctors and coroners’ juries.
“An insurance detective, as you can readily appreciate, Kennedy, soon comes to recognise the characteristics in the crimes with which he deals. For example, writing of the insurance plotted for rarely precedes the conspiracy to defraud. That is, I know of few cases in which a policy originally taken out in good faith has subsequently become the means of a swindle.
“In outright-murder cases, the assassin induces the victim to take out insurance in his favour. In suicide cases, the insured does so himself. Just after his return home, young Phelps, who carried fifty thousand dollars already, applied for and was granted one of the largest policies we have ever written—half a million.”
“Was it incontestible without the suicide clause?” asked Kennedy.
“Yes,” replied Andrews, “and suicide is the first and easiest theory. Why, you have no idea how common the crime of suicide for the sake of the life insurance is becoming. Nowadays, we insurance men almost believe that every one who contemplates ending his existence takes out a policy so as to make his life, which is useless to him, a benefit, at least, to some one—and a nightmare to the insurance detective.”
“I know,” I cut in, for I recalled having been rather interested in the Phelps case at the time, “but I thought the doctors said finally that death was due to heart failure.”