Thinking

Chapter 5: The Insurance Policy in My Name

The next morning, Detective Cole arrived with a woman from the financial crimes unit.

Her name was Detective Maya Brooks. She had short, tightly curled hair, a leather folder beneath her arm, and the calm expression of someone who had learned not to react until she had all the facts.

She pulled a chair beside my bed.

"Valeria, I understand that you're recovering from a serious assault. I'm not going to ask you to solve everything today. But there are financial records connected to your father that may explain why he was desperate to recover your phone.""

I looked from her to Cole.

"Elena said there was an insurance policy.""

"That's right," Brooks replied.

"We are verifying its origin and terms. We don't yet know whether the paperwork represents a valid policy, an attempted fraud, or an instrument that was prepared but never activated.""

"Whose life was insured?""

Brooks opened the folder.

"Yours.""

The room seemed to go silent around the monitor.

"Why would my father take out an insurance policy on me?""

"That's one of the questions we're trying to answer.""

She showed me a photocopy of a document.

My name appeared at the top.

Valeria Maria Santos.

Beneath it was my date of birth, my home address, and the name of a company I'd never heard of.

The coverage amount was large enough to make my hands start trembling.

I read it twice.

Then a third time.

"My father is the beneficiary?""

"The document lists a business entity connected to Rafael Santos as the proposed beneficiary. We have not yet confirmed whether the policy was finalized.""

"How much?""

Brooks told me.

I stared at the paper.

"No.""

Cole leaned forward.

"What is it?""

"This is impossible.""

"What is?""

"The signature.""

I pointed to the bottom of the page.

"That's supposed to be mine.""

Brooks nodded.

"Do you recognize it?""

"It's close. The first letter is similar. The last name is almost right. But I didn't sign this.""

She placed the paper back inside the folder.

"We'll have it examined by a document specialist.""

"Why would he fake my signature?""

"At this point, we can't conclude that he did. But the signature raises a question that needs to be investigated.""

I wanted to believe there was some reasonable explanation.

Perhaps there had been a clerical error. Perhaps one of the companies had confused me with another person. Perhaps my father had purchased something without understanding the paperwork.

But none of those explanations accounted for the violence.

None explained why he had beaten me until I lost consciousness.

"Was the woman in the red coat the insurance agent?"" I asked.

"Elena says she wasn't involved in creating the policy," Brooks replied.

"She claims she discovered it while reviewing financial records for Rafael's company.""

"Did she know he was planning to hurt me?""

"We're still investigating what she knew and when she knew it.""

I looked at the ceiling.

For a moment, I wished I could return to the life I had known before the motel.

A life in which my father was merely difficult.

A life in which my mother was merely afraid of conflict.

A life in which family arguments ended with slammed doors, not hospital stays and detectives carrying evidence bags.

But I couldn't return to that life.

It had never been as safe as I'd believed.

"There's something else," Brooks said.

She removed a second document from her folder.

"This is a partial application for a loan secured against the commercial property inherited from your grandmother. Your name appears on several pages.""

I remembered Elena's explanation from the night before.

The property I'd never known was worth so much.

The trust my father had managed.

The papers my mother had placed on my kitchen counter and insisted were routine.

Brooks watched my face.

"Does this look familiar?""

I shook my head.

"I've never seen this document.""

"Did you sign any property-related papers in the past year?""

"No.""

"Did anyone pressure you to sign?""

My mother appeared in my mind.

Her careful smile.

Her hands folding the envelope.

It's just routine family paperwork.

"I was asked to review some estate papers," I admitted.

"My mother said the documents were connected to my grandmother's property. I refused to sign anything without a lawyer.""

Brooks wrote something down.

"Do you remember when this happened?""

"About three months ago.""

"Did you tell your father?""

"Yes. He said I was insulting him by not trusting him.""

Cole and Brooks exchanged a glance.

"What?"" I asked.

Brooks placed the two documents side by side.

"The loan application contains a date from three months ago. That doesn't establish who signed it, but the timing is significant.""

I looked at the pages.

The purported signatures differed slightly. One looked like a hurried version of my handwriting. The other was more carefully copied.

"I didn't sign either of these.""

"We'll document that statement.""

"Detective Brooks, is my father trying to get my property?""

"I can't determine his motive from these documents alone. However, we have sufficient concerns to examine the transactions, the insurance paperwork, and the assault as potentially connected matters.""

I pressed my lips together.

My father had always insisted that money was the reason families fell apart.

He said people became greedy, daughters became ungrateful, and strangers took advantage of hard-working men.

Now I wondered how many times he had used those words to hide what he was doing himself.

"Can he take the property away from me?"" I asked.

"That's a question for the estate attorney and the court, depending on what the records show. But don't sign anything further without independent legal advice.""

"Can he take the insurance money?""

"At this stage, we don't know whether the policy is valid or who would be entitled to any benefit. No one should assume a claim could be paid simply because an application exists.""

Brooks closed the folder.

"We need to verify every piece of this before drawing conclusions.""

She wasn't offering comfort.

She was offering something more useful: a line between what we knew and what we had yet to prove.

After the detectives left, I tried to sleep.

I failed.

Every time I closed my eyes, I saw the documents. The fabricated signature. The enormous sum of money attached to my name.

And the memory that kept returning was my mother's face when I'd asked her about the second copy.

She had been frightened.

Not surprised.

Frightened.

At 11:45 a.m., Denise brought me my phone charger, which the hospital had recovered from my belongings. She placed it in the bedside drawer and asked whether I needed anything.

"Could I call my apartment manager?""

"Of course. Do you have the number?""

I recited it slowly.

The call went to voicemail. I left a message asking her to make sure the apartment was locked and not to allow anyone inside without my permission.

Then I called my best friend, Hannah.

We hadn't spoken much in the past six months. Life had been busy, and I had been embarrassed by how often my parents interfered with my decisions. I'd stopped telling her about the arguments because she always asked the same question.

Why do you keep letting them do this to you?

When she answered, I couldn't speak.

"Valeria?""

I heard the rustling of fabric.

"Val? Is that you?""

I started crying.

"Oh, my God. What's happened?""

"I'm in the hospital.""

"What? Why? Where are you?""

"I've been here for two weeks.""

There was a long silence.

"Two weeks?""

"I was in a coma.""

Hannah made a sound I had never heard from her before.

"Tell me where you are. I'm coming.""

I gave her the hospital information.

"Was it your parents?"" she asked quietly.

My throat tightened.

I didn't answer.

"Valeria," she said, "was it them?""

"I don't know how to explain it yet.""

"Then don't explain. Just let me come.""

When she arrived, she carried a small paper bag containing a soft cardigan, unscented lotion, and a paperback novel she knew I had been wanting to read.

She set the bag down and stood beside my bed.

For a moment, neither of us spoke.

Then she covered her mouth.

"Look at you.""

Her eyes filled.

I forced a small smile.

"I've had better mornings.""

She laughed once, then began to cry.

I expected her to ask what had happened.

Instead, she sat down carefully and took my uninjured hand.

"I'm here," she said.

Three simple words.

No accusation. No demand. No conditions.

I closed my eyes.

"I think my father tried to kill me.""

Hannah's fingers tightened around mine.

"Then we make sure he never gets near you again.""

"I don't even know why he did it.""

"Then we find out.""

I told her about the motel, the phone, my mother's visit, and the documents. I left out some of the worst memories because I couldn't bear to say them aloud yet.

Hannah listened without interrupting.

When I finished, she asked, "Did your mother know about the insurance policy?""

"I don't know.""

"Did she know about the property?""

"Apparently.""

"Val, that's not a small thing.""

"I know.""

She glanced at the doorway.

"Have the police spoken to her?""

"They're going to.""

Hannah sat back, jaw tight.

"Good.""

For the first time in years, I felt that someone was willing to stand beside me without requiring me to protect my parents' reputation.

Then she reached into her purse.

"I brought something else.""

She placed a folded piece of paper on my blanket.

It was a receipt.

A grocery store receipt.

My name was handwritten across the top, followed by the date of the attack.

I stared at it.

"Where did you get this?""

"Your apartment manager found it in the pocket of your coat when she helped retrieve your things. She thought you might need it for the police.""

My mouth went dry.

The receipt listed strawberries, bread, milk, and a few other groceries.

At the bottom, someone had written a phone number.

I didn't recognize it.

But beneath the number were five words in my own handwriting.

*Ask Mom about the blue folder.*

I stared at the note until the letters blurred.

Hannah leaned forward.

"Valeria, what is it?""

"I don't remember writing this.""

She read the words.

"What's the blue folder?""

I tried to think.

My father's office.

The kitchen counter.

My mother's handbag.

Nothing fit.

Then I remembered the papers from three months earlier. The envelope my mother had placed in my apartment, insisting that I review them. I'd refused to sign anything, but I had opened the envelope.

There had been a blue folder inside.

I had glanced at the first page before putting everything away.

And tucked between the legal documents was a photograph.

A photograph of me.

I hadn't thought anything of it at the time. I assumed it had been included by mistake.

Now I could almost see the image: me standing outside my apartment building, carrying a bag of groceries.

Someone had taken it from across the street.

May you like

Someone had been watching me.

I

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