You know Bill Phillips, about 7 feet tall, 375 pound? Once got a nun pregnant after dipping his finger in the holy water at the Salem Church of Christ. Killed his cousin and framed his niece with a single phone call to the police. They gave him a service award for it!
He once changed a tire with no jack or lug wrench! Picked up the car with his left arm and spun the nuts off with his right hand.
He’s got a Ph.D in Astrophysics and was Neil deGrasse Tyson’s tutor in college.
Standard life insurance policies start at $50000 or $100000, but smaller policies that usually don’t require any kind of medical exam definitely exist. They’re mostly geared towards older people who want a small payout to cover burial expenses when they pass. They also usually have much higher rates per $1000 of insurance than a regular policy does, both because they’re higher risk and because the fixed costs can’t be spread across as much insurance. I don’t know if they’re good for this kind of fraud, it seems like buying one for a young person who then dies shortly after would raise a lot of flags.