There was a case 10 years ago or more where 3 teenagers were killed in a yogurt shop in Texas. It was later revealed, although I don't think anything came of it, that these kids were highly insured and the insurance proceeds where taken by the lawyers without the parents knowledge. They tricked the parents into signing off for a few hundred grand while the lawyers and others involved got tens of millions. Something about how insurance money is not taxed and it was also a way to laundry dirty money. Like I said, it was a while ago and I may be off on some of the details, but I wonder if the school or others had insurance policies taken out on these kids? There can be policies that no one even really knows about.
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