From the article in post #9:
''All of this seemed set up from the beginning,'' said Trapaga's sister, Rita Stephan. ``He was able to fork out the money for a pricey life insurance policy, but where they were living was a hole in the wall, as if it was only a temporary living situation for him.''
(BTW, why is this thread in chat?)
A $1 millon term life policy for a 21 year old female who never smoked is around $250 per year.