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?

807

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.

808

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.

MR. LLOYD: Just a couple, Your Honor.

CROSS-EXAMINATION by MR. LLOYD:

Q    So in your discussions with Ted Kimble, when you came

809

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.