With a gun to his head, Rory Phillips had few options to think his way out of his situation. 'Make it look like an accident' were the intruder's instructions. Rory Phillips would die that night, never knowing his wife, Beth, was finally pregnant with their first child. They'd been trying for years and were told to adopt. If only he had listened to her instructions to just call the police and come home... If only. Everything was finally on the upswing in their life since they'd won the Florida State Lottery. He couldn't know that his murder was only one of many serial murders committed in the name of lottery winners. Seven insurance companies had formed a 'conspiracy' to murder lottery winners for 'legal' financial gain. If it hadn't been for Beth, Rory's widow, the story might have ended with his murder... but will she be able to make the police believe her before they kill her too?Rhonda A. Colia likes to write fact-based stories based on real-life truths. She educates while she entertains, and this particular story is close to her heart. She is a retired insurance agent, stockbroker, and mortgage broker. Years ago, her mother died suddenly, and the pension she'd spent over a decade building ended immediately and without warning. When she inquired about it, she was told it was invested in a 'straight life annuity and that when the owner died, the insurance company was legally entitled to all the remaining monies... not a beneficiary! She knew of this annuity practice but didn't know her mother had agreed to it. This practice continues to this day. This annuity option pays out the greatest regular installments, but the question must be asked, 'is it worth it?' when only the insurance company inherits the remaining money... no matter the amount.