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North Carolina's Department of Insurance Investigation File:  Southland Life, Life of Georgia


 

4Policy Information

4Kimble File

4Application for $200,000 life insurance policy on Patricia Kimble (PDF, pgs 5-14)

4Report, John Appel (GCSD):  Interview with William Jarrell, 10-12-95

PDF


4Policy Information

 

North Carolina Department of Insurance

INVESTIGATIONS DIVISION
 

Insurance Policy Information
Theodore Mead Kimble and Patricia Gail Blakley Kimble
Insured:  Patricia Blakley Kimble
Insurer:  Southland Life
Policy # 84444338260
Beneficiary:  Sheila E. Blakley
Policy Data:  Life insurance policy for $ 1,000.00, with double indemnity for accidental death. Claim # 68252 for life benefit paid to beneficiary. Accidental death benefit pending.
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Insured: Patricia G. Kimble
Insurer. Southland Life Policy # 8947980190
Beneficiary: Theodore M. Kimble
Policy data: Life insurance policy for $25,000.00, with double indemnity for accidental death. Claim # 68252 for life and accidental death claims submitted by beneficiary, and are pending.
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Insured: Patricia G. Kimble
Insurer: Life of Georgia
Policy # L10003834954
Beneficiary: Theodore M. Kimble


Policy data: Life insurance policy for $ 25,000.00, with double indemnity for accidental death. Claims pending for life and accidental death benefits. Claims submitted by beneficiary.
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Insured: Patricia G. Kimble
Insurer. Life of Georgia

Policy # 000385310
Beneficiary: Theodore M. Kimble
Policy data: Life insurance policy for $ 200,000.00, but policy not issued due to failure to submit specimen for blood profile. Application submitted 9/15/95. Beneficiary filed claim, but claim denied because no policy was issued.
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Insured: Patricia G. Kimble
Insurer. Life of Georgia

Policy # 0091896384
Policy data: Dental, vision, and hearing policy. Policy issued September, 1995. No claims pending.
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Insured: Theodore M. Kimble
Insurer: Life of Georgia

Policy # 0091896387
Policy data: Dental, vision, and hearing policy. Policy issued September 1995, but lapsed due to non payment of premiums.
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Insured: Theodore M. Kimble Patricia G. Kimble
Insurer. Life of Georgia

Policy # 0091898384.
Policy data: Family cancer policy. Policy lapsed due to non payment of claims. Application made on 9/14/95.
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Insured: Theodore M. Kimble
Insurer: Life of Georgia

Policy # 0003855912
Beneficiary: Ronnie L. Kimble

Edna M. Kimble
Policy data: Universal life insurance policy for $25,000.00. Application dated 9/14/95. Policy lapsed due to non payment of premiums.
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Insured: Theodore M. Kimble
Insurer. Life of Georgia Policy # 0003855914
Beneficiary: Patricia G. Kimble
Policy data: Ten year term life insurance policy for $ 150,000.00. Application dated 9/14/95. Policy lapsed due to non payment of premiums.

 

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4Kimble File

 

Kimble File
Insurer / Insured / Information
 

Insurer Southland Life

Patricia Kimble

Life policy - claim for $1,000.00 -paid to Sheila Blakley, mother. Claim for accidental death pending.
 

Insurer Southland Life

Patricia Kimble

**Life policy - life and accidental death claims pending..$25,000 each *Beneficiary:Ted Kimble
 

Insurer Life of Georgia

Patricia Kimble

**Life policy - life and accidental death claims pending..$25,000 each *Beneficiary:Ted Kimble
 

Insurer Life of Georgia

Patricia Kimble

***Life policy - $200,000; date of application 9/15/95; *Beneficiary:Ted Kimble
Claim was filed by Ted-same denied as policy not issued due to lack of blood profile for Patricia.
 

Insurer Life of Georgia

Patricia Kimble

Dental, Vision and Hearing policy


Insurer Life of Georgia

Theodore M. Kimble

Dental, Vision and Hearing policy (lapsed)


Insurer Life of Georgia

Theodore M Kimble

Patricia Kimble

Family Cancer policy (Lapsed)
 

Insurer Life of Georgia
Theodore M. Kimble

Universal Life policy - $25,000 (lapsed)

 

Insurer Life of Georgia
Theodore M. Kimble

Ten-Year Term policy - $150,000. (lapsed)

**Ted Kimble has submitted claims for both policies.
***Agent of record for this application did not witness the signature of Patricia Kimble...Detective Church, Guilford Sheriff's Office may have information indicating her name was forged to the application.

 

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4Report, John Appel (GCSD):  Interview with William Jarrell, 10-12-95

 

Guilford County Sheriff's Department
Witness\Suspect Statement
 

1. Case Number/Victim:: 961009027
2. Interview With: William Jarrell, Mass. Mutual Life Insurance Co., 3218 Robinhood Road, Winston-Salem, NC, (910) 765-0410
3. Date/Time: 10/12/95 1830 hours
4. Location: Mass. Mutual Insurance co., 3218 Robinhood Road, Winston-Salem, NC
5. Interviewed By: Det. John Appel, Major Crimes
6. Offense: Homicide
 

7. Narrative:
On 10/12/95 I met with William "Bill" Jarrell at his office in Winston-Salem, NC.
 

Mr. Jarrell says that in March, 1995, Pat Kimble contacted the agency about increasing her life insurance. Pat Kimble had a $25,000 policy that had been issued 2/16/89 by Southland Life, and Mass. Mutual had bought out that company. Pat Kimble wanted to purchase an additional $25,000 policy. Initially, an agent named Cathy contacted Pat Kimble, but there was apparently a personality conflict, and Mr. Jarrell was asked to Handle the account.
 

Mr. Jarrell met with Pat Kimble at Cinnamon Ridge apartments during lunchtime sometime in March of 1995, and the policy issue date for the additional policy was 4/1/95. During the contact with Pat Kimble, Mr. Jarrell says that he mentioned some other products his company offered, including a dental plan.
 

In September, 1995, Ted Kimble contacted Mr. Jarrell about purchasing a dental plan. On 9/11/95 Mr. Jarrell met with Ted Kimble at Lyles Building Materials, and Ted agreed to purchase the dental plan. Mr. Jarrell also mentioned a $1 million cancer policy available for $8.00 a month, and Ted agreed to take it, also.
 

Several days later, Ted called Mr. Jarrell and inquired about increasing :he life insurance on Pat, and asked about premium amounts for $50,000, $75, 000, etc. Mr. Jarrell proposed that he meet with Ted and do a "needs analysis" to determine how much life insurance the Kimbles needed.
 

The next day or so, Ted called Mr. Jarrell, and Mr. Jarrell went over and met with Ted at Lyles Building Materials near lunchtime. Ted asked him about various amounts of insurance, and also wanted the least expensive premium. Ted and Mr. Jarrell agreed on Term Insurance, and Ted told Mr. Jarrell that he wanted to get $200,000 on Pat, and $150,000 on himself. This was because Ted already had a $100,000 policy on himself, and Pat had $50,000. This additional amount would bring the total up to $250,000 for each spouse.


Ted additionally bought a $25,000 policy payable to his parents, and told Mr. Jarrell that this was to cover a loan of $25,000 he had gotten from his father.
 

Mr. Jarrell had taken the applications inside Lyles, and filled them out. Pat was not present at this time. At some point in the process, Ted asked about the cancer policy, and Mr. Jarrell left to go out to his car and get the information. As Mr. Jarrell left the office, Pat was coming in. Mr. Jarrell said, "Well, hello there, Pat." Pat replied, "Hi."
 

Several minutes later, as Mr. Jarrell was reentering the building, Pat Kimble left the office. Mr. Jarrell again spoke to her, but she did not reply. Mr. Jarrell went inside, and Ted presented Mr. Jarrell with the signed applications. Mr. Jarrell noticed that he needed some additional medical information on Pat, but decided to get it later. Ted and Mr. Jarrell went outside to a storage building, and Ted Kimble paid Mr. Jarrell cash for the initial premium payment. Mr. Jarrell did not see where Ted got the cash from inside the storage building.
 

Mr. Jarrell told Ted Kimble that a "blood profile" was necessary for the application process to be completed on policies of this amount, and that both Ted and Pat would have to be checked. Ted told Mr. Jarrell that Pat could not do that, because she would faint if she had blood drawn. Mr.
Jarrell told Ted that he would arrange for a contract paramedic to perform the test at the paramedic office in case difficulties arose during the blood testing procedure.
 

The following day, Ted Kimble called Mr. Jarrell and dropped an accidental death benefit on Pat's policy, which reduced the premium. The overpayment will be credited to the next balance due.
Either the next day or the day after that, Mr. Jarrell telephoned Pat Kimble at Cinnamon Ridge to ask some additional medical questions. Mr. Jarrell asked and was told the date and purpose of Pat's last visit to a physician. Pat then said, "I can't believe you're asking me all these questions for a cancer policy." When Mr. Jarrell replied that this was for her life insurance application, Pat asked, "Life insurance? How much?" When Mr. Jarrell to her it was for $200,000, Pat replied., "Oh. OK."
 

Mr. Jarrell did not speak to Pat Kimble again.
 

Mr. Jarrell says that Ted Kimble telephoned him approximately 10 times at Jarrell's residence during the time between the application and the fire. Mr. Jarrell says that this is very unusual, he has never had a client do this before. During one call, Ted Kimble told. Mr Jarrell's wife, "I guess I'm bugging you--I'm gonna be the best customer your husband ever had."
 

At one point during this application process Ted Kimble called Mr. Jarrell and told him that the "home office" was asking Pat too many questions, and that Pat was getting angry.
 

Mr. Jarrell arranged for the Kimbles to go to the Portamedic for blood analysis on Thursday, 10/5/95, at 11:30AM. However, on 10/4/95, Ted called Mr. Jarrell at home in the evening , and told him that Ted was going to have to work in the daytime on 10/5/95, and would have to cancel the test. Ted said that he would be working nighttime during the following week, and Mr. Jarrell told Ted to contact Portamedic as soon as possible on 10/5/95 and cancel the appointment. Mr. Jarrell understands that the appointment was rescheduled for 10/12/95.
 

On 10/10/95 Mr. Jarrell heard about a fire and death in Pleasant Garden, and recognized the names of Patricia Kimble. Mr. Jarrell also saw a picture of Pat on the evening news on 10/10/95 and was then certain that


it was the same applicant he was processing.
 

On 10/11/95 Ted Kimble called Mr. Jarrell and told him that Pat had been killed. Ted told Jarrell that Ted had been questioned about the death. Ted then asked Mr. Jarrell about processing the life insurance claims. Mr. Jarrell told Ted that Ted would need to get a copy of the death certificate from the funeral director so that the claim could be processed. Ted then asked about the $200,000 policy for which application was in progress. Mr. Jarrell told Ted that it was not in effect because the blood test had not been completed. Ted said, "I thought you told me that if I got killed in a wreck I would be covered?" Mr. Jarrell replied that it would cover the insured provided the medical information had been correct and the blood profile had between completed.
 

On the morning of 10/18/95 Ted Kimble again called Mr. Jarrell. Ted told Mr. Jarrell that he had been reviewing his finances, and had discovered that he was almost bankrupt. Ted asked Mr. Jarrell if the two $25,000 policies on Pat carried double indemnity for accidental death. Ted told Mr. Jarrell that he had been talking to a friend of Ted's father who was an insurance agent, and he had told Ted that the policies would pay double. Mr. Jarrell says that he believed it would if the death was accidental. Ted then told Mr. Jarrell that Pat had been shot in the head. 4r. Jarrell told Ted that a determination would have to be made as to whether the death was accidental. Ted again asked about the $200,000 policy that was not yet in effect. Ted said, "Well, that blood profile was for AIDS--they can find that out from her Doctor." Mr. Jarrell reiterated that the policy was not in effect because the required blood analysis had not been performed.

 

On the afternoon of 10/18/95, Ted Kimble again called Mr. Jarrell. Ted informed Jarrell that he had been contacted by the funeral director, and Mr. Jarrell agreed to meet with Ted on 10/19/95 so the claim forms could be completed. Mr. Jarrell says that Ted again asked about the double indemnity accidental death benefit on Pat's policies.

 

4Another copy of this report with handwritten notes by Ted Kimble


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Published August 15, 2006.  Report broken links or other problems.

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