Janice Morgan

He was sitting on the steps of an office building and appeared to be living on the streets. Olga approached Jimmy and told him about the office she had, conveniently right upstairs. There was a futon to sleep on so he could stay there at night, as long as he was out early in the morning and didn't return until after office hours. There was just one catch.

He was sitting on the steps of an office building and appeared to be living on the streets. Olga approached Jimmy and told him about the office she had, conveniently right upstairs. There was a futon to sleep on so he could stay there at night, as long as he was out early in the morning and didn't return until after office hours. There was just one catch.

In order for her to help him, he had to sign a couple of papers. Jimmy didn't have a problem with that. Olga clapped her hands in delight. Then she ushered him upstairs and got him settled. But for him to stay, she'd need a little more detail. His birth date, his social security number, even his parents' social security numbers. Jimmy wasn't eager to hand over such sensitive information.

In order for her to help him, he had to sign a couple of papers. Jimmy didn't have a problem with that. Olga clapped her hands in delight. Then she ushered him upstairs and got him settled. But for him to stay, she'd need a little more detail. His birth date, his social security number, even his parents' social security numbers. Jimmy wasn't eager to hand over such sensitive information.

For days, Olga haggled him for answers. Finally, Jimmy had enough. The whole situation seemed to be more hassle than it was worth. He marched down to the building manager, returned the key, and never came back. When Helen heard from Olga that Jimmy was gone, she couldn't have been happy. She'd already filed an insurance application under his name, and it wasn't cheap.

For days, Olga haggled him for answers. Finally, Jimmy had enough. The whole situation seemed to be more hassle than it was worth. He marched down to the building manager, returned the key, and never came back. When Helen heard from Olga that Jimmy was gone, she couldn't have been happy. She'd already filed an insurance application under his name, and it wasn't cheap.

She requested $800,000 in guaranteed death benefits. more than she and Olga made off their last kill combined. Jimmy was supposed to be their next meal ticket, but they had no idea where he'd gone or how to get him back. That left them at square one, and back at the Hollywood Presbyterian Church. The ladies knew there was always a group of down-on-their-luck men there on Sundays.

She requested $800,000 in guaranteed death benefits. more than she and Olga made off their last kill combined. Jimmy was supposed to be their next meal ticket, but they had no idea where he'd gone or how to get him back. That left them at square one, and back at the Hollywood Presbyterian Church. The ladies knew there was always a group of down-on-their-luck men there on Sundays.

A few months later, in the summer of 2002, they prowled the grounds and found 47-year-old Kenneth McDavid sleeping outside. He had no job, no family, and no close friends to lean on. So he accepted Helen and Olga's help. Helen handled all the logistics, the finances, and most importantly, the paperwork. She set their mark up in a Hollywood apartment.

A few months later, in the summer of 2002, they prowled the grounds and found 47-year-old Kenneth McDavid sleeping outside. He had no job, no family, and no close friends to lean on. So he accepted Helen and Olga's help. Helen handled all the logistics, the finances, and most importantly, the paperwork. She set their mark up in a Hollywood apartment.

She paid the rent, utilities, and unbeknownst to Kenneth, his life insurance premiums. Olga was the muscle. She brought Kenneth groceries every week, partly to keep him fed, but mostly to keep an eye on their...investment. After losing their last prospect, she wasn't about to let Kenneth slip through her fingers. So she played it cool and kept him happy.

She paid the rent, utilities, and unbeknownst to Kenneth, his life insurance premiums. Olga was the muscle. She brought Kenneth groceries every week, partly to keep him fed, but mostly to keep an eye on their...investment. After losing their last prospect, she wasn't about to let Kenneth slip through her fingers. So she played it cool and kept him happy.

But the same couldn't be said for Helen and Olga. Trouble was brewing between the two friends. It seemed they both wanted to make more and more money, even if it meant stabbing each other in the back. As planned, they applied for a couple insurance policies together, where they'd take an even cut of the payout.

But the same couldn't be said for Helen and Olga. Trouble was brewing between the two friends. It seemed they both wanted to make more and more money, even if it meant stabbing each other in the back. As planned, they applied for a couple insurance policies together, where they'd take an even cut of the payout.

But in secret, they also took out additional policies where they would be the sole beneficiary. Combined, they held 13 different policies for a total payout of $3.7 million, but only three listed them as co-beneficiaries. From the remaining 10, eight were under Helen's name. Olga only managed to take out two for herself.

But in secret, they also took out additional policies where they would be the sole beneficiary. Combined, they held 13 different policies for a total payout of $3.7 million, but only three listed them as co-beneficiaries. From the remaining 10, eight were under Helen's name. Olga only managed to take out two for herself.

Both women knew they had to wait two years before they could cash out, so it didn't do them much good to keep taking out more policies. Each one reset the clock. So in 2003, they moved to the next phase. That spring, Helen got her hands on a purse belonging to a woman named Hillary Adler. Hillary had never met Helen or Olga before, but it appears they all went to the same gym.

Both women knew they had to wait two years before they could cash out, so it didn't do them much good to keep taking out more policies. Each one reset the clock. So in 2003, they moved to the next phase. That spring, Helen got her hands on a purse belonging to a woman named Hillary Adler. Hillary had never met Helen or Olga before, but it appears they all went to the same gym.

And that month, someone broke into Hillary's locker. Then, in January of 2004, Olga used Hillary's ID to purchase a silver Mercury Sable. After buying the car, Olga parked it in the alley behind Helen's Santa Monica apartment. It sat there for the rest of the year, waiting for its big moment. Once that was taken care of, there wasn't much left to do except wait.

And that month, someone broke into Hillary's locker. Then, in January of 2004, Olga used Hillary's ID to purchase a silver Mercury Sable. After buying the car, Olga parked it in the alley behind Helen's Santa Monica apartment. It sat there for the rest of the year, waiting for its big moment. Once that was taken care of, there wasn't much left to do except wait.