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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.
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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.

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00:09:38
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October 03, 2025
Insurer’s Attempt to Obtain Summary Judgment Fails

To Prove Fraud Admissible Evidence is Required
Post 5200

See the full video at https://lnkd.in/g9cmMseN and at https://lnkd.in/g5eAYwdN, and at https://zalma.com/blog plus more than 5200 posts.

Allegations That Health Care Providers Assist in No Fault Fraud Escape MSJ

In NATIONWIDE GENERAL INSURANCE COMPANY, NATIONWIDE MUTUAL INSURANCE COMPANY, and any and all of their subsidiaries, affiliates and/or parent companies. Plaintiffs v. BILLEESHA BROWN, MANUEL A. CRUZ, ALGELIS TATIS, The “Individual Defendants”, et al and the “Healthcare Provider Defendants”, Index No. 618243/2023, 2025 NY Slip Op 33374(U), Motion Seq. No. 003, Supreme Court, Nassau County (September 15, 2025) dealt with a motion for summary judgment (MSJ) filed by the insurers.

Case Overview:

This is a declaratory judgment action where the plaintiff, NATIONWIDE GENERAL INSURANCE COMPANY, seeks a determination that it is not obligated to provide first-party automobile insurance coverage, including No Fault benefits and/or uninsured/underinsured ...

00:08:10
October 02, 2025
Guilty of Arson & Fraud on Public

GoFundMe Request Based on Fake Claim of Racial Animus
Post 5199

Posted on October 2, 2025 by Barry Zalma

See the full video at and at

An Attempt to Profit the Public by Setting Fire to his Own Food Truck Fails

Avonte Ahikim Hartsfield burned down his own food truck and falsely reported that he was the victim of arson in October 2021. He then created a GoFundMe campaign titled “Rebuilding After a Series of Hate Crimes,” claiming he was a victim of hate crimes and arson. The campaign raised $102,276 from more than 2,000 donors.

In The People v. Avonte Ahikim Hartsfield, D084114, California Court of Appeals, Fourth District, First Division (September 24, 2025) affirmed the conviction.

FACTS

Investigation and Evidence:

The fire department and police conducted investigations and found that the fire was intentionally set by an open flame. Surveillance footage placed Hartsfield near the scene at the time of the fire. ...

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October 01, 2025
Zalma’s Insurance Fraud Letter – October 1, 2025

ZIFL Volume 29, Issue 19

THE SOURCE FOR THE INSURANCE FRAUD PROFESSIONAL

Read the full article at https://lnkd.in/gXNZQBRy, sSee the full video at https://lnkd.in/gygJwCG9 and at https://zalma.com/blog.

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/

The Contents of the October 1, 2025 Issue of ZIFL Includes:

Another Anniversary -- October 1, 1979 - 2025 - 

Forty five years ago today I left the world of the employed and became an entrepreneur by opening my own law firm. The law practice was incorporated shortly thereafter as Barry Zalma, Inc. When I opened for business on October 1, 1979, I had no clients and no certainty that I would have any in the future. I had borrowed money from the bank to carry me through the first six months and was concerned about my ...

00:10:35
September 09, 2025
The Dishonest Chiropractor/Physician

How a Need for Profit Led Health Care Providers to Crime
Post 5185
Posted on September 8, 2025 by Barry Zalma

See the full video at https://lnkd.in/gePN7rjm and at https://lnkd.in/gzPwr-9q

This is a Fictionalized True Crime Story of Insurance Fraud from an Expert who explains why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers.

The Dishonest Chiropractor/Physician

How a Need for Profit Led Health Care Providers to Crime

See the full video at and at

This is a Fictionalized True Crime Story of Insurance Fraud from an Expert who explains why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The story is designed to help to Understand How Insurance Fraud in America is Costing Everyone who Buys Insurance Thousands of Dollars Every year and Why Insurance Fraud is Safer and More Profitable for the ­­­Perpetrators than any Other Crime.

How Elderly Doctors Fund their ...

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September 08, 2025
The Dishonest Chiropractor/Physician

How a Need for Profit Led Health Care Providers to Crime
Post 5185
Posted on September 8, 2025 by Barry Zalma

See the full video at https://lnkd.in/gePN7rjm and at https://lnkd.in/gzPwr-9q

This is a Fictionalized True Crime Story of Insurance Fraud from an Expert who explains why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers.

The Dishonest Chiropractor/Physician

How a Need for Profit Led Health Care Providers to Crime

See the full video at and at

This is a Fictionalized True Crime Story of Insurance Fraud from an Expert who explains why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The story is designed to help to Understand How Insurance Fraud in America is Costing Everyone who Buys Insurance Thousands of Dollars Every year and Why Insurance Fraud is Safer and More Profitable for the ­­­Perpetrators than any Other Crime.

How Elderly Doctors Fund their ...

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September 03, 2025

Barry Zalma: Insurance Claims Expert Witness
Posted on September 3, 2025 by Barry Zalma
The Need for a Claims Handling Expert to Defend or Prove a Tort of Bad Faith Suit

© 2025 Barry Zalma, Esq., CFE

When I finished my three year enlistment in the US Army as a Special Agent of US Army Intelligence in 1967, I sought employment where I could use the investigative skills I learned in the Army. After some searching I was hired as a claims trainee by the Fireman’s Fund American Insurance Company. For five years, while attending law school at night while working full time as an insurance adjuster I became familiar with every aspect of the commercial insurance industry.

On January 2, 1972 I was admitted to the California Bar. I practiced law, specializing in insurance claims, insurance coverage and defense of claims against people insured and defense of insurance companies sued for breach of contract and breach of the implied covenant of good faith and fair dealing. After 45 years as an active lawyer, I asked that my license to practice law be declared inactive ...

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