Murder By Policy

In the sun-washed streets of Los Angeles, two elderly church volunteers hide a darkness far deeper than anyone could imagine. To the outside world, Helen and Olga are devoted do-gooders. In reality, they are patient predators—women who see the city's most vulnerable not as people to help, but as paydays waiting to mature. Their scheme is chilling in its simplicity: befriend unhoused men with promises of shelter and support, secretly insure their lives for staggering sums, wait out the contestability period… then engineer fatal "accidents" that look like tragic street misfortune. When their first target, Paul, dies under suspiciously tidy circumstances, the insurance money flows. Success breeds boldness. But when they set their sights on Kenneth, a fragile former screenwriter desperate for a way back into stability, cracks form in their perfected routine. A sharp-eyed insurance investigator notices what others missed—details in the scene that don't add up, echoes of an earlier hit-and-run, and two elderly beneficiaries who refuse to answer questions. As investigators unravel a pattern spanning years, Helen and Olga's carefully constructed façade begins to collapse. The chase to stop them becomes a race against time—because these women are already hunting their next victim. A gripping, unnerving true-crime narrative, this book exposes the deadly quiet patience of two seemingly harmless women—and the relentless pursuit that finally brought their reign of calculated cruelty to an end.