THE COURT: Next witness, please.
MR. PANOSH: Mr. Ganim, please.
KHALIL MICHAEL GANIM, being first duly sworn, testified as follows during DIRECT EXAMINATION by MR. PANOSH:
Q Would you state your name, please.
A Khalil Michael Ganim.
Q And your occupation, please?
A State Farm insurance agent.
Q In the course of your duties, did you service Theodore Kimble at his business or personally?
A At his business and personally. At his business and at my office.
Q And what type of policies did you provide for Theodore Kimble?
A We had their boat insurance, two cars, his business vehicle, and a mortgage disability policy on Ted.
Q Did there come a time when there was a discussion in reference to life insurance, specifically for Patricia?
A Yes, sir.
Q Would you tell the jury about that, please.
A In, I think it was about early March of, I believe, '95, Ted contacted me about life insurance and possibly disability on he and Patricia. So I met with him at Lyles Building Supply and we had a discussion concerning their needs.
Q Do you recall the amount of -- first of all, do you recall who the policy was to be on?
A Yes. It was -- it was to be on Patricia and on Ted.
Q And these were life insurance policies?
A Yes, sir, life insurance and disability.
Q And in reference to Patricia Kimble, do you recall the amount?
A We had discussed between 50 and 100 thousand dollars on each of them.
Q And when you say "we had discussed," who is that?
A Ted and I.
MR. LLOYD: Well, objection, Your Honor, and ask for the instruction previously given.
THE COURT: Overruled.
Again, members of the jury, this evidence may only be considered against this defendant, Ronnie Kimble, in the event that you find beyond a reasonable doubt that there was a conspiracy and that Ronnie and Ted Kimble are co-conspirators.
Q Did there come a time when you had further discussions in reference to the life insurance on Patricia?
A Yes. We -- in our initial meeting, Ted and I had discussed -- I gathered some information, went back to my office, put some information together, then met with him once again, discussed -- he had told me that he was talking to in fact Mass Mutual and gathering some information from them, and then when he and I discussed the amounts, he had told me that he didn't -- that Patricia did not want any additional coverage on her.
Q Thereafter, did you issue additional coverage on him?
A We did not issue any life insurance, just a mortgage disability policy. And that was on Ted, not on Patricia.
Q Did you have any further dealings in reference to life insurance in regard to Theodore or Patricia Kimble?
A No, sir.
MR. PANOSH: No further questions.
CROSS-EXAMINATION by MR. LLOYD:
Q So in your discussions with Ted Kimble, when you came
back to him, he indicated to you that his wife did not want additional insurance coverage on her?
A Yes, sir.
Q All right. And did he discuss additional insurance on himself at that time?
A We had talked about coverage on each of them. He'd expressed that Patricia did not want any coverage on her, and so, we did not write any additional coverage on him.
Q So the insurance that you wound up selling him at that time was what?
A Mortgage disability policy.
Q All right.
A Disability covering his mortgage.
Q All right. Okay.
MR. LLOYD: That's all I have, Your Honor.
THE COURT: Step down, sir.
(The witness left the witness stand.)
THE COURT: Stand and stretch, if you'd like. Next witness, please.
Published August 15, 2006. Report broken links or other problems.
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