Chapter 5 - THE LIFE INSURANCE POLICY

The police chief pressed the cold barrel of his service weapon against my forehead.
"Don't move, Mrs. Mitchell," he growled.
Inside the SUV, Eleanor, Maria, and Sophie were screaming. I could see Maria grabbing the tire iron again, but another uniformed officer had already opened the passenger doors, aiming his weapon inside.
"Get out of the car!" the officer barked.
I lay on the asphalt, my heart pounding so hard I thought it would burst. Harrington walked over, stepping carefully around the shattered glass, and reached into the SUV to grab Eleanor’s laptop.
He closed the lid with a satisfying snap.
"Chief," Harrington said smoothly, "Mrs. Mitchell has been suffering a severe mental breakdown since her husband’s tragic death. She assaulted me this morning, kidnapped her daughter, and stole school property. I think a psychiatric hold is the best course of action. For her safety, of course."
The Chief smirked. "Tragic situation, Daniel. We’ll make sure she gets the care she needs in the county ward. And the child?"
"My sister," Sarah spoke up, her voice trembling slightly as she stepped forward. "I have emergency custody paperwork drawn up. Sophie will come with me."
"No!" I screamed, struggling against the Chief’s grip. "Sarah, don't do this! He killed Mark!"
Sarah couldn't look me in the eye. She stared at the ground. "I'm sorry, Becca. I have to protect myself."
"And the other two?" the Chief asked, gesturing to Eleanor and Maria with his gun.
"Resisting arrest," Harrington suggested coldly. "The mechanic's ex-wife is a violent woman. If she were to, say, grab an officer’s weapon during apprehension... I’m sure a jury would understand the lethal force required to subdue her."
Maria went pale. She understood exactly what Harrington was saying. They were going to execute her and Eleanor right here in the abandoned lot and frame them.
Harrington turned his back to me, holding the laptop. "Clean it up, Chief."
The Chief holstered his gun and reached for his heavy metal handcuffs.
That was his mistake.
For one split second, both of his hands were occupied.
From the backseat of the SUV, nine-year-old Sophie did the bravest thing I have ever seen.
She didn't cry. She didn't freeze. She grabbed the heavy fire extinguisher I kept strapped under the rear seat, pulled the safety pin, and sprayed a massive, blinding cloud of thick white foam directly into the face of the uniformed officer opening her door.
The officer screamed, dropping his weapon and clawing at his burning eyes.
The Chief spun around in shock, blinded by the expanding cloud of chemical foam.
I didn't hesitate. I kicked my leg out as hard as I could, driving the heel of my boot directly into the Chief’s kneecap.
Bone snapped. The Chief bellowed in pain, collapsing to the asphalt.
"Go!" Maria screamed, leaping out of the car and swinging her tire iron in a wide arc. It connected solidly with Harrington’s shoulder, sending him crashing into the side of the SUV. The laptop flew from his hands, sliding across the pavement.
I scrambled to my feet, grabbed the laptop, and shoved Sophie back into the car.
"Drive, Maria!" I yelled, tossing her my keys.
Maria jumped into the driver's seat. Eleanor pulled her door shut. I dove into the passenger side just as Maria slammed the gas pedal to the floor. The SUV fishtailed, tires screaming, before finding traction and rocketing out of the parking lot.
Behind us, Harrington was screaming furiously, struggling to stand.
"Where are we going?" Maria yelled over the roar of the wind rushing through my shattered window.
"The state police barracks in Springfield," I said, clutching the laptop to my chest like a shield. "It's an hour away. The local cops can't stop us if we make it to the state jurisdiction."
"Rebecca," Eleanor said from the back seat, her voice tight with panic. "Look at the laptop."
I looked down.
When Harrington dropped it, the screen had cracked, but it was still on. The video file was gone. In the struggle, the SD card must have been knocked out of the port.
I frantically checked the side of the computer.
The port was empty.
"The memory card is gone," I breathed in absolute horror. "It fell out in the parking lot."
Without that card, we had no video of the Mayor, the Chief, and Harrington. We had no offshore account numbers. We had nothing but a broken laptop and a crazy story.
"We still have the mechanic’s receipt," Maria reminded me, keeping her eyes glued to the highway.
"A piece of paper isn't enough to take down a police chief and a mayor," Eleanor said miserably. "They'll just say we forged it."
I opened the laptop's local drive, desperately hoping the video had cached or autosaved.
It hadn't.
But there was one file open on the desktop that Eleanor must have downloaded from the school server before we fled.
It was a PDF document titled: MITCHELL_POLICY_RIDER.pdf
"Eleanor, what is this?" I asked, clicking the file.
"I pulled it from Daniel’s personal HR folder," Eleanor said. "I thought it was your donation form."
It wasn't a donation form.
It was a life insurance policy.
But it wasn't the policy Mark had taken out to protect me and Sophie. This was a secondary, corporate "Key Man" policy. It's a type of insurance companies take out on essential employees to protect the business if they die.
Except Mark didn't work for Westbrook Elementary. He was a state auditor.
I scrolled to the signature page.
Harrington had illegally registered Mark as a private contractor for the school district. And he had taken out a $2.5 million life insurance policy on him, effective exactly one month before Mark’s car crash.
And the sole beneficiary of that $2.5 million?
Sarah Mitchell.
"My sister," I whispered, the ultimate betrayal finally making perfect sense. "Sarah wasn't just helping him launder iPads. She helped him plan the murder. They split the life insurance payout."
Suddenly, the wail of a police siren pierced the air behind us.
I looked in the side mirror. A local police cruiser was rapidly closing the distance, its lights flashing aggressively.
"They found us," Maria said, gripping the steering wheel.
"Don't pull over!" I shouted. "If they take us in, we never make it to trial."
"I can't outrun a police interceptor in a soccer mom SUV!" Maria yelled back.
The cruiser pulled up parallel to us. I looked over, expecting to see the angry face of a local cop preparing to ram us off the road.
Instead, the passenger window rolled down.
Sitting in the passenger seat of the police cruiser, holding the tiny black SD card between his fingers, was Carlos Vargas.
May you like
The mechanic. Mateo’s father.
And he was pointing a gun directly at my tires.