Stella: Sam, you were next.
Sam Baker: What?
Stella: Your life was insured for over $5 million dollars. In order to become a legitimate beneficiary, Debbie called herself your fiance in all of the paperwork.
Sam Baker: I can't believe this is happening. I was living on the streets. She helped me get a place.
Stella: This was all part of the plan. Debbie and Grace waited two years, enough time for the policies to mature and pay out at maximum benefits no matter what the manner of death. Most likely, Sam, in a week, you'd have been dead.