Zalma on Insurance
Education • Business
Insurance Claims professional presents articles and videos on insurance, insurance Claims and insurance law for insurance Claims adjusters, insurance professionals and insurance lawyers who wish to improve their skills and knowledge. Presented by an internationally recognized expert and author.
Interested? Want to learn more about the community?
September 12, 2025
Evidence Established that Rudolf Murdered His Wife in Africa

Shotgun Murder of Wife in Africa Not an Accident

See the full video at https://lnkd.in/gqEx5_5n and at https://lnkd.in/gdKcrKGs, and at https://zalma.com/blog plus more than 5150 posts.

In United States Of America v. Lawrence Rudolph, National Association Of Criminal Defense Lawyers, Amicus Curiae, No. 23-1278, United States Court of Appeals, Tenth Circuit (September 8, 2025) affirmed his conviction.

The United States Court of Appeals, Tenth Circuit’s opined on the appeal of Lawrence Rudolph, convicted for the foreign murder of his wife Bianca Rudolph and related mail fraud charges.

BACKGROUND AND CASE OVERVIEW

Lawrence Rudolph was tried and convicted for the fatal shooting of his wife during a hunting trip in Zambia. He was sentenced to life imprisonment for foreign murder and concurrent sentences for mail fraud related to his fraudulent procurement of life insurance proceeds following Bianca’s death. The government alleged that Rudolph intentionally killed Bianca to collect approximately $4.8 million from her life insurance policies and used those proceeds to acquire various assets, including homes and luxury vehicles. His co-defendant, Lori Milliron, was convicted on several counts related to accessory after the fact, obstruction, and perjury.

TRIAL PROCEEDINGS AND EVIDENCE

The government presented extensive evidence challenging Rudolph’s claim that Bianca’s death was accidental, including expert testimony on ballistics, forensic analysis, and witness accounts. The government also introduced evidence of Rudolph’s affair with Ms. Milliron, including salacious emails and testimony about the couple’s troubled marriage, undermining Rudolph’s asserted lack of motive to kill Bianca.

The district court admitted six statements Bianca made to a friend, Ms. Olmstead, under the forfeiture-by-wrongdoing exception to the hearsay rule (Federal Rule of Evidence 804(b)(6)). These statements related to Bianca’s concerns about a forged postnuptial agreement, Rudolph’s forgery of her signature, and the affair with Ms. Milliron. The court found by a preponderance of the evidence that Rudolph caused Bianca’s unavailability by killing her and intended to prevent her from testifying in a future divorce proceeding and the Safari Club litigation.

MOTION FOR SEVERANCE

Rudolph moved to sever his trial from Ms. Milliron’s, arguing that her testimony would be exculpatory and that joint trial caused prejudice. The district court denied the motion, finding that Ms. Milliron’s affidavit was vague and conditional, and that judicial economy favored a joint trial. The court concluded that Ms. Milliron was unlikely to testify in a severed trial, her testimony lacked substance and exculpatory value, and the district court’s decision was not an abuse of discretion.

FORFEITURE ORDER

The district court ordered forfeiture of assets Rudolph purchased after acquiring Bianca’s life insurance proceeds, including homes in Arizona and Pennsylvania, luxury cars (Aston Martin and Bentley), funds from bank accounts, and accrued interest, dividends, and appreciation on those assets. Rudolph argued that the assets were commingled with untainted funds and that the government should have sought a money judgment under the substitute-asset provision, 21 U.S.C. § 853(p). The court affirmed that forfeiture under 18 U.S.C. § 981(a)(1)(C) includes not only the principal proceeds but also the interest, dividends, and appreciation derived from the tainted assets, rejecting Rudolph’s arguments.

AFTERMATH OF BIANCA’S DEATH

Zambian authorities immediately opened an investigation into Bianca’s death; they reviewed the scene of the shooting, analyzed evidence, and interviewed relevant witnesses, including Mr. Rudolph. Early in the investigation, conflicting reports emerged as to whether Bianca’s death was an accident or a suicide. Ultimately, however, Zambian authorities concluded that Bianca died by accident and found no evidence of foul play.

RELEVANT TRIAL PROCEEDINGS

In July 2022, Mr. Rudolph and Ms. Milliron were jointly tried before a District of Colorado jury. As to Mr. Rudolph, the government theorized that he intentionally shot Bianca-choosing a remote area in Zambia to perpetrate the shooting-to collect Bianca’s life insurance proceeds and live happily thereafter with Ms. Milliron. To that end, the government presented witness testimony regarding the Rudolphs’ troubled marital relationship and Mr. Rudolph’s actions before and after Bianca’s death. Multiple representatives from the insurance companies who paid out Bianca’s life insurance proceeds also testified.

Last to testify was Mr. Rudolph himself. Mr. Rudolph unequivocally denied murdering Bianca, claimed her death was an accident, and explained that he was in the bathroom when the shotgun went off.

JURY VERDICT

The jury convicted Mr. Rudolph on both counts-Foreign Murder and Mail Fraud.

CONCLUSION

The appellate court affirmed the district court’s judgment of conviction and forfeiture order, rejecting Rudolph’s challenges to severance, venue, evidentiary rulings, and forfeiture. The court emphasized the thoroughness of the government’s evidence and accounting, the proper application of legal standards regarding venue and forfeiture, and the harmlessness of any evidentiary errors. For the above reasons the district court’s judgment of conviction and forfeiture order was affirmed.

ZALMA OPINION

I’ve been married to the same woman for 58 years so I have no idea why anyone would take his wife on a safari in the wilds of Zambia to kill her with a shotgun and claim she accidentally killed herself and then collect more than $4 million in life insurance proceeds. Mr. Rudolph did so, the jury convicted him and his paramour, and then filed an ineffective appeal to reverse his conviction. Large life insurance policies are a temptation to the criminal beneficiary especially when acquired with murder in mind. The government should be commended for defeating the scheme even after Zambian police concluded the death was accidental.

(c) 2025 Barry Zalma & ClaimSchool, Inc.

Please tell your friends and colleagues about this blog and the videos and let them subscribe to the blog and the videos.

Subscribe to my substack at https://barryzalma.substack.com/subscribe

Go to X @bzalma; Go to Barry Zalma videos at Rumble.com at https://rumble.com/account/content?type=all; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg; Go to the Insurance Claims Library – https://lnkd.in/gwEYk.

00:09:38
Interested? Want to learn more about the community?
What else you may like…
Videos
Posts
January 02, 2026
Zalma’s Insurance Fraud Letter – January 2, 2026

Posted on January 2, 2026 by Barry Zalma
ZIFL – Volume 30 Number 1

THE SOURCE FOR THE INSURANCE FRAUD PROFESSIONAL

See the video at https://rumble.com/v73nifg-zalmas-insurance-fraud-letter-january-2-2026.html and at https://youtu.be/vZC1e-_qwDg

Supreme Court of Louisiana Removes Judge

Judge Who Lied to Get Elected Cannot Serve

In In Re: Judge Tiffany Foxworth-Roberts, No. 2025-O-01127, Supreme Court of Louisiana (December 11, 2025) the Louisiana Supreme Court in an opinion by Chief Justice Weimer dealt with the recommendation of the Judiciary Commission of Louisiana (Commission) that Judge Tiffany Foxworth-Roberts be removed from office for:

1. making false and misleading statements regarding her judicial campaigns;
2. making false and misleading statements to police investigating the reported burglary of her car; and
3. withholding information and providing false, incomplete, or misleading information during the investigation by the Office of Special Counsel (OSC), as well as in the proceedings before the Commission....

00:08:13
December 30, 2025
Montana Lawyer Commits Insurance Fraud and Receives Minimal Punishment

Montana County Attorney Admits to Insurance Fraud & Is Only Suspended from Practice for 60 Days
Post 5251

Read the full article at https://lnkd.in/gnBaCjmv, see the video at https://lnkd.in/gfpVsyAd and at https://lnkd.in/gC73Nd8z, and at https://zalma.com/blog plus more than 5250 posts.

A Lawyer Who Commits Insurance Fraud and Pleas to a Lower Charge Only Suspended

In The Matter Of: Naomi R. Leisz, Attorney at Law, No. PR 25-0150, Supreme Court of Montana (December 23, 2025) the Montana Office of Disciplinary Counsel (ODC) filed a formal disciplinary complaint with the Commission on Practice (Commission) against Montana attorney Naomi R. Leisz.

On September 25, 2025, Leisz tendered a conditional admission and affidavit of consent. Leisz acknowledged the material facts of the complaint were true and she had violated the Montana Rules of Professional Conduct as alleged by ODC.

ADMISSIONS

Leisz admitted that in April 2022, her minor son was involved in a car accident in which he hit a power pole. Leisz’s son ...

00:08:27
December 30, 2025
Montana Lawyer Commits Insurance Fraud and Receives Minimal Punishment

Montana County Attorney Admits to Insurance Fraud & Is Only Suspended from Practice for 60 Days
Post 5251

Read the full article at https://lnkd.in/gnBaCjmv, see the video at https://lnkd.in/gfpVsyAd and at https://lnkd.in/gC73Nd8z, and at https://zalma.com/blog plus more than 5250 posts.

A Lawyer Who Commits Insurance Fraud and Pleas to a Lower Charge Only Suspended

In The Matter Of: Naomi R. Leisz, Attorney at Law, No. PR 25-0150, Supreme Court of Montana (December 23, 2025) the Montana Office of Disciplinary Counsel (ODC) filed a formal disciplinary complaint with the Commission on Practice (Commission) against Montana attorney Naomi R. Leisz.

On September 25, 2025, Leisz tendered a conditional admission and affidavit of consent. Leisz acknowledged the material facts of the complaint were true and she had violated the Montana Rules of Professional Conduct as alleged by ODC.

ADMISSIONS

Leisz admitted that in April 2022, her minor son was involved in a car accident in which he hit a power pole. Leisz’s son ...

00:08:27
December 31, 2025
“Sudden” is the Opposite of “Gradual”

Court Must Follow Judicial Precedent
Post 5252

Read the full article at https://www.linkedin.com/pulse/sudden-opposite-gradual-barry-zalma-esq-cfe-h7qmc, see the video at and at and at https://zalma.com/blog plus more than 5250 posts.

Insurance Policy Interpretation Requires Application of the Judicial Construction Doctrine

In Montrose Chemical Corporation Of California v. The Superior Court Of Los Angeles County, Canadian Universal Insurance Company, Inc., et al., B335073, Court of Appeal, 337 Cal.Rptr.3d 222 (9/30/2025) the Court of Appeal refused to allow extrinsic evidence to interpret the word “sudden” in qualified pollution exclusions (QPEs) as including gradual but unexpected pollution. The court held that, under controlling California appellate precedent, the term “sudden” in these standard-form exclusions unambiguously includes a temporal element (abruptness) and cannot reasonably be construed to mean ...

post photo preview
placeholder
December 29, 2025
Doctor Accused of Insurance Fraud Sues Insurer Who Accused Him

Lack of Jurisdiction Defeats Suit for Defamation

Post 5250

Posted on December 29, 2025 by Barry Zalma

See the video at and at

He Who Represents Himself in a Lawsuit has a Fool for a Client

In Pankaj Merchia v. United Healthcare Services, Inc., Civil Action No. 24-2700 (RC), United States District Court, District of Columbia (December 22, 2025)

FACTUAL BACKGROUND
Parties & Claims:

The plaintiff, Pankaj Merchia, is a physician, scientist, engineer, and entrepreneur, proceeding pro se. Merchia sued United Healthcare Services, Inc., a Minnesota-based medical insurance company, for defamation and related claims. The core allegation is that United Healthcare falsely accused Merchia of healthcare fraud, which led to his indictment and arrest in Massachusetts, causing reputational and business harm in the District of Columbia and nationwide.

Underlying Events:

The alleged defamation occurred when United ...

post photo preview
placeholder
December 15, 2025
Zalma’s Insurance Fraud Letter – December 15, 2025

Zalma’s Insurance Fraud Letter

Read the full article at https://lnkd.in/dG829BF6; see the video at https://lnkd.in/dyCggZMZ and at https://lnkd.in/d6a9QdDd.

ZIFL Volume 29, Issue 24

Subscribe to the e-mail Version of ZIFL, it’s Free! https://visitor.r20.constantcontact.com/manage/optin?v=001Gb86hroKqEYVdo-PWnMUkcitKvwMc3HNWiyrn6jw8ERzpnmgU_oNjTrm1U1YGZ7_ay4AZ7_mCLQBKsXokYWFyD_Xo_zMFYUMovVTCgTAs7liC1eR4LsDBrk2zBNDMBPp7Bq0VeAA-SNvk6xgrgl8dNR0BjCMTm_gE7bAycDEHwRXFAoyVjSABkXPPaG2Jb3SEvkeZXRXPDs%3D

Zalma’s Insurance Fraud Letter (ZIFL) continues its 29th year of publication dedicated to those involved in reducing the effect of insurance fraud. ZIFL is published 24 times a year by ClaimSchool and is written by Barry Zalma. It is provided FREE to anyone who visits the site at http://zalma.com/zalmas-insurance-fraud-letter-2/

Zalma’s Insurance Fraud Letter

Merry Christmas & Happy Hannukah

Read the following Articles from the December 15, 2025 issue:

Read the full 19 page issue of ZIFL at ...

See More
Available on mobile and TV devices
google store google store app store app store
google store google store app tv store app tv store amazon store amazon store roku store roku store
Powered by Locals