Shotgun Murder of Wife in Africa Not an Accident
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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.
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The Professional Claims Handler
Post 5218
Read the full article at https://www.linkedin.com/pulse/zalma-philosophy-claims-handling-part-8-barry-zalma-esq-cfe-zdwsc, see the full video at https://rumble.com/v70zl4s-the-zalma-philosophy-of-claims-handling-part-8.html and at https://youtu.be/MIYcF71ffRQ, and at https://zalma.com/blog plus more than 5200 posts.
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Empathy is identification with and understanding of another’s situation, feelings, and motives. It is the ability to understand another person’s circumstances, point of view, thoughts, and feelings....
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Post 5217
This is a change from my normal blog postings. It is my attempt. in more than one post, to explain the need for professional claims representatives who comply with the basic custom and practice of the insurance industry.
An Excellence in Claims Handling program begins with a statement in the insurer’s claims manual or statement of professionalism that it is dedicated to providing excellence in claims handling to every insured who presents a claim.
The excellence in claims handling program should include, at a minimum:
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A definition of insurance.
How to read and understand an insurance policy.
How to interview an insured, witness, or claimant.
How to assist an insured in the insured’s obligation to ...
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Post 5216
Read the full article at https://www.linkedin.com/pulse/zalma-philosophy-claims-handling-part-5-barry-zalma-esq-cfe-jde8c, see the full video at https://rumble.com/v70q4x8-the-zalma-philosophy-of-claims-handling-part-5.html and at https://youtu.be/6b9tZQsEkB4, and at https://zalma.com/blog plus more than 5200 posts.
This is a change from my normal blog postings. It is my attempt. in more than one post, to explain the need for professional claims representatives who comply with the basic custom and practice of the insurance industry.
Standards to be a Professional Claims Adjuster
The Insurance claims professional should be a person who:
1. Can read and understand the insurance policies issued by the insurer.
2. Understands the promises made by the policy.
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4. Are competent investigators.
5. Have empathy and recognize the difference between empathy and sympathy.
6. ...
The Professional Claims Handler
Post 5219
Posted on October 31, 2025 by Barry Zalma
An Insurance claims professionals should be a person who:
Can read and understand the insurance policies issued by the insurer.
Understands the promises made by the policy.
Understand their obligation, as an insurer’s claims staff, to fulfill the promises made.
Are competent investigators.
Have empathy and recognize the difference between empathy and sympathy.
Understand medicine relating to traumatic injuries and are sufficiently versed in tort law to deal with lawyers as equals.
Understand how to repair damage to real and personal property and the value of the repairs or the property.
Understand how to negotiate a fair and reasonable settlement with the insured that is fair and reasonable to both the insured and the insurer.
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My Training to be an Insurance Claims Adjuster
When I was discharged from the US Army in 1967 I was hired as an insurance adjuster trainee by a professional and well respected insurance company. The insurer took a chance on me because I had been an Army Intelligence Investigator for my three years in the military and could use that training and experience to be a basis to become a professional insurance adjuster.
I was initially sat at a desk reading a text-book on insurance ...
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The Insurance Industry Needs to Implement Excellence in Claims Handling or Fail
Post 5210
This is a change from my normal blog postings. It is my attempt. in more than one post, to explain the need for professional claims representatives who comply with the basic custom and practice of the insurance industry. This statement of my philosophy on claims handling starts with my history as a claims adjuster, insurance defense and coverage lawyer and insurance claims handling expert.
My Training to be an Insurance Claims Adjuster
When I was discharged from the US Army in 1967 I was hired as an insurance adjuster trainee by a professional and well respected insurance company. The insurer took a chance on me because I had been an Army Intelligence Investigator for my three years in the military and could use that training and experience to be a basis to become a professional insurance adjuster.
I was initially sat at a desk reading a text-book on insurance ...
