{"id":6302,"date":"2026-09-22T18:51:54","date_gmt":"2026-09-22T18:51:54","guid":{"rendered":"https:\/\/feelonestory.online\/?p=6302"},"modified":"2026-09-22T18:51:54","modified_gmt":"2026-09-22T18:51:54","slug":"part-13-when-thomass-death-became-a-homicide-investigation-samuel-tried-to-trade-one-secret-for-another-and-accidentally-exposed-dereks-next-insurance-target","status":"publish","type":"post","link":"https:\/\/feelonestory.online\/?p=6302","title":{"rendered":"PART 13 \u2013 When Thomas\u2019s Death Became a Homicide Investigation, Samuel Tried to Trade One Secret for Another\u2014and Accidentally Exposed Derek\u2019s Next Insurance Target"},"content":{"rendered":"<p>The word homicide did not arrive dramatically.<\/p>\n<p>No one slammed a file onto the table.<\/p>\n<p>No one said, We finally know.<\/p>\n<p>The investigator used the phrase suspected homicide, carefully, almost clinically, because the law still required proof that memory and grief did not.<\/p>\n<p>I was grateful for his restraint.<\/p>\n<p>Part of me wanted certainty immediately.<\/p>\n<p>Another part had spent too many days watching assumptions become weapons.<\/p>\n<p>Thomas deserved better than an answer chosen because it hurt in the most convincing way.<\/p>\n<p>Emily sat beside me.<\/p>\n<p>Her fingers remained wrapped around mine.<\/p>\n<p>\u201cHow can they prove what Samuel did after eleven years?\u201d<\/p>\n<p>\u201cThey build the timeline,\u201d Rachel said. \u201cMedical evidence, access, motive, threats, location data, his own notes, anything Patricia or Martin can corroborate.\u201d<\/p>\n<p>\u201cAnd the medication?\u201d<\/p>\n<p>The investigator opened a folder.<\/p>\n<p>Thomas\u2019s prescribed drug was a cardiac medication that could become dangerous at high concentrations.<\/p>\n<p>His hospital blood work had shown a level several times what physicians expected.<\/p>\n<p>\u201cAt the time,\u201d the investigator explained, \u201cthe treating team considered accidental double-dosing or metabolic variation.\u201d<\/p>\n<p>\u201cThomas did not double-dose.\u201d<\/p>\n<p>\u201cI understand that is your belief.\u201d<\/p>\n<p>\u201cIt is more than belief.\u201d<\/p>\n<p>He waited.<\/p>\n<p>\u201cThomas filled one weekly pill organizer every Sunday night. He checked each slot twice because he said engineers survived by distrusting their first count.\u201d<\/p>\n<p>Emily almost smiled through tears.<\/p>\n<p>I continued.<\/p>\n<p>\u201cIf he missed a dose, he marked it on the calendar. If he changed a dose, he called the doctor. He could be absentminded about car keys. Never medication.\u201d<\/p>\n<p>The investigator nodded and wrote it down.<\/p>\n<p>\u201cWe have requested his pharmacy refill records and the original hospital specimens, if any remain archived.\u201d<\/p>\n<p>\u201cAfter eleven years?\u201d<\/p>\n<p>\u201cMost likely no usable blood specimen remains. But documentation may still help.\u201d<\/p>\n<p>\u201cWhat would Samuel have done?\u201d<\/p>\n<p>\u201cWe do not know yet.\u201d<\/p>\n<p>I looked at the notes recovered from Samuel\u2019s old notebook.<\/p>\n<p>Pills accessible kitchen.<\/p>\n<p>P says code works.<\/p>\n<p>That was not an abstract remark.<\/p>\n<p>He had entered our house.<\/p>\n<p>His phone proved it.<\/p>\n<p>The alarm code had been given to him.<\/p>\n<p>The medication had been accessible.<\/p>\n<p>And within hours Thomas collapsed.<\/p>\n<p>I thought of that night again.<\/p>\n<p>The faint sound downstairs.<\/p>\n<p>The soft mechanical click I had blamed on the refrigerator.<\/p>\n<p>If I had gotten out of bed, would I have seen him?<\/p>\n<p>Would Samuel have run?<\/p>\n<p>Would Thomas still be alive?<\/p>\n<p>That question tried to take root.<\/p>\n<p>I pulled it out immediately.<\/p>\n<p>The past offers endless imaginary doors.<\/p>\n<p>Walking through them changes nothing.<\/p>\n<p>The investigator\u2019s phone rang.<\/p>\n<p>He listened for less than a minute.<\/p>\n<p>\u201cSamuel\u2019s attorney is asking for another proffer.\u201d<\/p>\n<p>Rachel frowned.<\/p>\n<p>\u201cSo soon?\u201d<\/p>\n<p>\u201cHe wants to discuss Derek.\u201d<\/p>\n<p>Emily sat straighter.<\/p>\n<p>\u201cWhat about him?\u201d<\/p>\n<p>The investigator looked at me.<\/p>\n<p>\u201cThis may concern another victim.\u201d<\/p>\n<p>My stomach tightened.<\/p>\n<p>\u201cWho?\u201d<\/p>\n<p>\u201cHe has not named them yet.\u201d<\/p>\n<p>\u201cWhat does he want?\u201d<\/p>\n<p>\u201cCredit for cooperation.\u201d<\/p>\n<p>Emily gave a bitter laugh.<\/p>\n<p>\u201cEverybody suddenly becomes helpful when the walls get close.\u201d<\/p>\n<p>No one argued.<\/p>\n<p>Samuel\u2019s second interview took place without us.<\/p>\n<p>For three hours, nothing came back.<\/p>\n<p>During that time I made peanut-butter sandwiches for the children, helped my granddaughter spell butterfly, and watched my daughter stare at her phone every thirty seconds.<\/p>\n<p>Normal life had become something we performed between evidence updates.<\/p>\n<p>At three-fifteen, the investigator returned.<\/p>\n<p>\u201cSamuel says Derek had another insurance plan.\u201d<\/p>\n<p>Emily went still.<\/p>\n<p>\u201cFor who?\u201d<\/p>\n<p>\u201cHe claims Derek had begun building a policy around Margaret.\u201d<\/p>\n<p>I stared at him.<\/p>\n<p>\u201cMe.\u201d<\/p>\n<p>\u201cYes.\u201d<\/p>\n<p>The word backup returned immediately.<\/p>\n<p>\u201cWhat kind of policy?\u201d<\/p>\n<p>\u201cA private accidental-death policy.\u201d<\/p>\n<p>\u201cHow much?\u201d<\/p>\n<p>\u201cSeven hundred fifty thousand dollars.\u201d<\/p>\n<p>Emily stood.<\/p>\n<p>\u201cBeneficiary?\u201d<\/p>\n<p>The investigator paused.<\/p>\n<p>\u201cInitially Derek.\u201d<\/p>\n<p>\u201cInitially?\u201d<\/p>\n<p>\u201cHe says the beneficiary designation was going to be changed later through a trust.\u201d<\/p>\n<p>\u201cWhose trust?\u201d<\/p>\n<p>\u201cThe children\u2019s.\u201d<\/p>\n<p>I almost laughed.<\/p>\n<p>Not because anything was funny.<\/p>\n<p>Because it was so expertly cruel.<\/p>\n<p>Derek could insure me, arrange an accident, then claim he had only tried to protect the grandchildren financially.<\/p>\n<p>The same children whose care he had already monetized.<\/p>\n<p>\u201cWas the policy active?\u201d<\/p>\n<p>\u201cWe are verifying.\u201d<\/p>\n<p>\u201cDid I sign it?\u201d<\/p>\n<p>\u201cThere is an application.\u201d<\/p>\n<p>\u201cSignature?\u201d<\/p>\n<p>\u201cLikely forged.\u201d<\/p>\n<p>\u201cWhat accident?\u201d<\/p>\n<p>The investigator looked toward Emily.<\/p>\n<p>\u201cSamuel says no final method had been chosen.\u201d<\/p>\n<p>\u201cThat sounds convenient,\u201d Rachel said.<\/p>\n<p>\u201cIt may be.\u201d<\/p>\n<p>\u201cWhat did Samuel actually contribute?\u201d I asked.<\/p>\n<p>\u201cHe says Derek asked how long after a new policy an accidental death would trigger heightened review.\u201d<\/p>\n<p>My skin crawled.<\/p>\n<p>\u201cAnd what did Samuel tell him?\u201d<\/p>\n<p>\u201cWait at least six months.\u201d<\/p>\n<p>Emily whispered, \u201cSix months from when?\u201d<\/p>\n<p>The investigator checked his notes.<\/p>\n<p>\u201cThe application was submitted four months ago.\u201d<\/p>\n<p>That placed it before the current fire.<\/p>\n<p>Before the audit.<\/p>\n<p>Before Linda panicked.<\/p>\n<p>Before the storage unit.<\/p>\n<p>\u201cSo if everything had continued,\u201d I said, \u201cI had roughly two months left.\u201d<\/p>\n<p>The investigator did not answer.<\/p>\n<p>He did not need to.<\/p>\n<p>Rachel asked, \u201cWhy is Samuel telling us this now?\u201d<\/p>\n<p>\u201cBecause he wants us to believe Derek escalated independently.\u201d<\/p>\n<p>\u201cAnd did he?\u201d<\/p>\n<p>\u201cWe have messages showing Derek initiated the inquiry.\u201d<\/p>\n<p>\u201cThat does not make Samuel innocent.\u201d<\/p>\n<p>\u201cNo.\u201d<\/p>\n<p>Emily sat again.<\/p>\n<p>\u201cWas my mother supposed to die before or after me?\u201d<\/p>\n<p>The room went silent.<\/p>\n<p>The investigator answered carefully.<\/p>\n<p>\u201cWe do not know whether both plans were intended to be used.\u201d<\/p>\n<p>I did.<\/p>\n<p>Not as fact.<\/p>\n<p>As structure.<\/p>\n<p>I had become backup because systems like this survive by creating options.<\/p>\n<p>If Emily\u2019s planned death succeeded, Derek had money and sympathy.<\/p>\n<p>If it failed, my policy remained.<\/p>\n<p>If investigations tightened, a fire could erase documents.<\/p>\n<p>If one narrative collapsed, another waited.<\/p>\n<p>A family transformed into contingency plans.<\/p>\n<p>At five, investigators confirmed the accidental-death policy existed.<\/p>\n<p>The application had been submitted through an insurance broker.<\/p>\n<p>The broker claimed Derek had represented himself as my financial agent.<\/p>\n<p>Attached was a power of attorney.<\/p>\n<p>My signature.<\/p>\n<p>Patricia\u2019s notarization.<\/p>\n<p>Again.<\/p>\n<p>Rachel examined it.<\/p>\n<p>\u201cThis document gives him broad authority.\u201d<\/p>\n<p>\u201cI never signed it.\u201d<\/p>\n<p>\u201cThe signature page may be genuine.\u201d<\/p>\n<p>My stomach tightened.<\/p>\n<p>Another page removed from something else.<\/p>\n<p>Another moment when a trusted person said sign here.<\/p>\n<p>\u201cHow many blank or detachable pages did I sign in my life?\u201d I asked.<\/p>\n<p>Rachel met my eyes.<\/p>\n<p>\u201cEnough for people who knew your habits to exploit.\u201d<\/p>\n<p>Not an answer.<\/p>\n<p>But true.<\/p>\n<p>Then investigators found the source.<\/p>\n<p>A charity authorization form from my retirement year.<\/p>\n<p>The original remained in school archives.<\/p>\n<p>My signature page had been copied, resized, and inserted into the power of attorney.<\/p>\n<p>That was almost a relief.<\/p>\n<p>Almost.<\/p>\n<p>At least I had not unknowingly authorized Derek.<\/p>\n<p>They had manufactured my consent from a piece of paper I had actually touched.<\/p>\n<p>By evening, Samuel\u2019s attorney made his formal offer.<\/p>\n<p>He would explain the insurance scheme, provide access codes to hidden records, and identify where Derek stored evidence relating to Emily\u2019s car.<\/p>\n<p>In exchange, he wanted prosecutors not to pursue first-degree homicide charges in Thomas\u2019s death.<\/p>\n<p>Rachel looked at me.<\/p>\n<p>\u201cHe is trying to divide the cases.\u201d<\/p>\n<p>\u201cYes.\u201d<\/p>\n<p>\u201cYour opinion will not determine the decision.\u201d<\/p>\n<p>\u201cI know.\u201d<\/p>\n<p>\u201cBut prosecutors may ask how the family feels.\u201d<\/p>\n<p>I stared at the wall.<\/p>\n<p>Thomas\u2019s photograph was not there.<\/p>\n<p>Nothing personal was.<\/p>\n<p>The hotel room felt temporary even after several days.<\/p>\n<p>Maybe that helped.<\/p>\n<p>Temporary rooms do not pretend that life is settled.<\/p>\n<p>\u201cWhat would you say?\u201d Emily asked.<\/p>\n<p>I thought before answering.<\/p>\n<p>\u201cI do not want a deal that erases what happened to Thomas.\u201d<\/p>\n<p>\u201cThat isn\u2019t exactly the same as demanding the maximum charge.\u201d<\/p>\n<p>\u201cNo.\u201d<\/p>\n<p>\u201cIf cooperation saves someone else?\u201d<\/p>\n<p>\u201cThat matters.\u201d<\/p>\n<p>Emily looked surprised.<\/p>\n<p>I continued.<\/p>\n<p>\u201cI want truth more than punishment. But I am not willing to buy truth by pretending one life counts less.\u201d<\/p>\n<p>Rachel nodded slowly.<\/p>\n<p>\u201cThat is a position prosecutors can understand.\u201d<\/p>\n<p>The next morning, Samuel delivered one piece of information before any deal was finalized.<\/p>\n<p>A location.<\/p>\n<p>An industrial storage building rented through another shell company.<\/p>\n<p>Inside, investigators found a metal filing cabinet.<\/p>\n<p>No cash.<\/p>\n<p>No passports.<\/p>\n<p>Records.<\/p>\n<p>Insurance applications.<\/p>\n<p>Property maps.<\/p>\n<p>Photographs.<\/p>\n<p>Derek\u2019s handwriting.<\/p>\n<p>One file carried my name.<\/p>\n<p>Another carried Emily\u2019s.<\/p>\n<p>Another carried Helen Brooks\u2019s.<\/p>\n<p>Then several names we did not recognize.<\/p>\n<p>Potential policies.<\/p>\n<p>Potential properties.<\/p>\n<p>Potential accidents.<\/p>\n<p>Nothing completed yet.<\/p>\n<p>Planning.<\/p>\n<p>The most unsettling file had no person\u2019s name.<\/p>\n<p>Only a category.<\/p>\n<p>CHILD CUSTODY LEVERAGE.<\/p>\n<p>Emily\u2019s face hardened.<\/p>\n<p>\u201cWhat is that?\u201d<\/p>\n<p>The investigator opened it.<\/p>\n<p>Inside were school attendance records.<\/p>\n<p>Pediatric records.<\/p>\n<p>Photographs of Emily drinking wine at two social events.<\/p>\n<p>Copies of messages where she complained about exhaustion.<\/p>\n<p>Screenshots of arguments between Emily and Derek.<\/p>\n<p>A draft affidavit.<\/p>\n<p>It claimed Emily was unstable.<\/p>\n<p>Neglectful.<\/p>\n<p>Dependent on me to raise the children.<\/p>\n<p>Too overwhelmed to manage without Derek.<\/p>\n<p>Everything had been selected because it could be made to support a story.<\/p>\n<p>Not because the story was true.<\/p>\n<p>\u201cHe planned for divorce too,\u201d Emily whispered.<\/p>\n<p>\u201cYes.\u201d<\/p>\n<p>\u201cIf he decided not to kill me.\u201d<\/p>\n<p>No one answered.<\/p>\n<p>The file contained one more page.<\/p>\n<p>A chart.<\/p>\n<p>Three possible paths.<\/p>\n<p>DIVORCE.<\/p>\n<p>ACCIDENT.<\/p>\n<p>DISAPPEARANCE.<\/p>\n<p>Beside each were advantages and risks.<\/p>\n<p>Under DIVORCE:<\/p>\n<p>Slower money. Custody unpredictable.<\/p>\n<p>Under ACCIDENT:<\/p>\n<p>Highest payout. Requires clean timing.<\/p>\n<p>Under DISAPPEARANCE:<\/p>\n<p>Fast exit. Lose children as cover.<\/p>\n<p>Emily stared at the page.<\/p>\n<p>\u201cI was not his wife.\u201d<\/p>\n<p>Her voice barely carried.<\/p>\n<p>\u201cI was a scenario.\u201d<\/p>\n<p>I wanted to tell her that was not true.<\/p>\n<p>But in Derek\u2019s private planning, it was.<\/p>\n<p>So I told her something else.<\/p>\n<p>\u201cYou were his wife because you loved, worked, raised children, made a home, and believed in a marriage. His corruption does not get to redefine what you gave.\u201d<\/p>\n<p>She looked at me.<\/p>\n<p>\u201cThat does not make what he did smaller.\u201d<\/p>\n<p>\u201cNo.\u201d<\/p>\n<p>\u201cIt just stops him from owning your entire history.\u201d<\/p>\n<p>For the first time that day, she cried.<\/p>\n<p>Not loudly.<\/p>\n<p>Not dramatically.<\/p>\n<p>She put both hands over her face and let grief come without turning it into evidence.<\/p>\n<p>Later that afternoon, another investigator arrived carrying a smaller folder.<\/p>\n<p>\u201cWe found something in the cabinet connected to Thomas.\u201d<\/p>\n<p>My body tensed.<\/p>\n<p>\u201cWhat?\u201d<\/p>\n<p>\u201cA copy of his original hospital medication list.\u201d<\/p>\n<p>\u201cWhy would Derek have that?\u201d<\/p>\n<p>\u201cHe may not have obtained it himself.\u201d<\/p>\n<p>At the top was a note.<\/p>\n<p>Old Wallace case useful precedent. Natural death accepted despite medication anomaly.<\/p>\n<p>The handwriting belonged to Samuel Price.<\/p>\n<p>A precedent.<\/p>\n<p>Thomas\u2019s death had not merely been hidden.<\/p>\n<p>It had become instruction.<\/p>\n<p>Samuel had used my husband\u2019s death as proof that carefully shaped evidence could make a dangerous death look natural.<\/p>\n<p>I stared at the paper.<\/p>\n<p>\u201cSo that is what he taught Derek.\u201d<\/p>\n<p>The investigator nodded.<\/p>\n<p>\u201cPossibly.\u201d<\/p>\n<p>\u201cHow to hide murder inside normal life.\u201d<\/p>\n<p>No one corrected the word this time.<\/p>\n<p>Then he turned one more page.<\/p>\n<p>A photocopy of Thomas\u2019s death certificate.<\/p>\n<p>Across the bottom, in Derek\u2019s handwriting, were five words.<\/p>\n<p>Worked once. Can work again.<\/p>\n<hr>\n<h2><strong><a href=\"https:\/\/feelonestory.online\/?p=6303\">Click here to continue reading: PART 14: Derek\u2019s Note About Thomas Destroyed His Last Innocent Explanation, but the Evidence Behind It Pointed to a Meeting No One Had Admitted Happened<\/a><\/strong><\/h2>\n","protected":false},"excerpt":{"rendered":"<p>The word homicide did not arrive dramatically. No one slammed a file onto the table. No one said, We finally know. The investigator used the phrase suspected homicide, carefully, almost &hellip; <\/p>\n","protected":false},"author":1,"featured_media":6289,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6302","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-feel-one-story"],"_links":{"self":[{"href":"https:\/\/feelonestory.online\/index.php?rest_route=\/wp\/v2\/posts\/6302","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/feelonestory.online\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/feelonestory.online\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/feelonestory.online\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/feelonestory.online\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=6302"}],"version-history":[{"count":1,"href":"https:\/\/feelonestory.online\/index.php?rest_route=\/wp\/v2\/posts\/6302\/revisions"}],"predecessor-version":[{"id":6332,"href":"https:\/\/feelonestory.online\/index.php?rest_route=\/wp\/v2\/posts\/6302\/revisions\/6332"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/feelonestory.online\/index.php?rest_route=\/wp\/v2\/media\/6289"}],"wp:attachment":[{"href":"https:\/\/feelonestory.online\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6302"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/feelonestory.online\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6302"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/feelonestory.online\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6302"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}