
Kenny read about it on a forum that specialized in things nobody should read about on forums: a loophole, allegedly, where a man could be declared legally dead, collect on a insurance policy he’d take out on himself under a shell company, wait the requisite period, resurface under a slightly different name, and live — as the forum kept putting it, in all caps, like volume was a substitute for accuracy — TAX FREE FOREVER.
His uncle Ray had always said it. Ya gotta die before you live, kid. Ray meant it about failure, about heartbreak, about the used Camaro he’d sunk a summer into before it taught him something about patience. Kenny had never once considered that Ray meant it as advice about actual, medically certifiable death, and to be fair to Ray, he hadn’t.
Kenny considered this a technicality.
The plan required, first, a boat. Specifically, a boat that could be found empty and adrift with Kenny’s phone, wallet, and a single deeply insincere note inside it. It required, second, a period of quiet living somewhere with a beach and no extradition treaty, which Kenny located, optimistically, using the same forum. It required, third, a new identity, which he built out of a library card, a gym membership, and enormous confidence.
It did not require, though Kenny discovered this too late, an actual understanding of maritime law, life insurance underwriting timelines, or the fact that his mother would report him missing within four hours and would, upon hearing the words “empty boat,” immediately and correctly assume the worst about her son’s judgment rather than his safety.
The insurance company sent an investigator before they sent a check. The investigator found Kenny in nine days, tan, badly sunburned, going by “Darren,” working a beach bar for cash and telling anyone who’d listen that he was between things.
At the hearing — because there was, in fact, a hearing, a whole undignified proceeding with a name plaque that said FRAUD, PARTIAL and a judge who looked at Kenny the way you’d look at a raccoon that had gotten into the attic and then, somehow, further into the attic — Kenny’s lawyer asked if he had anything to say for himself.
Kenny thought about Ray, about the Camaro, about the version of the plan that had made so much sense at two in the morning with a laptop and a forum full of strangers who’d never once been asked to defend it in daylight.
“My uncle always said you gotta die before you live,” Kenny told the court.
The judge considered this.
“Mr. Travares,” she said, “I don’t think this is what he meant.”
“No,” Kenny agreed. “I’m getting that now.”
©2012 Rhyan Scorpio-Rhys
