“Thank you, my friend. I’ll drop around with the paperwork tomorrow night.”
“No, that’s not possible,” said Pat. “I’m working nights this month. You’d better make it tomorrow afternoon.”
“You won’t be working nights once you’ve received that check, my friend,” said Marvin, letting out one of his dreadful shrill laughs. “Lucky man,” he added before he put the phone down.
By the time Marvin came round to the apartment the following afternoon, Pat was already having second thoughts. If he had to visit Dr. Royston again, they would immediately realize the truth. But once Marvin had assured him that the medical could be with any doctor of his choice and that the first payment would be postdated, he caved in and signed all the forms between the penciled crosses, making Ruth his sole beneficiary. He hoped David would have approved of that decision, at least.
“Thank you, my friend. I won’t be bothering you again,” promised Marvin. His final words as he closed the door behind him were, “I promise you, you’ll never live to regret it.”
Pat saw his doctor a week later. The examination didn’t take long, as Pat had recently had a complete checkup. On that occasion, as the doctor recalled, Pat had appeared quite nervous, and couldn’t hide his relief when he’d phoned to give him the all-clear. “Not much wrong with you, Patrick,” he said, “apart from the asthma, which doesn’t seem to be getting any worse.”
Marvin called a week later to let Pat know that the doctor had given him a clean bill of health and that he had held on to his job with Geneva Life.
“I’m pleased for you,” said Pat. “But what about my check?”
“It will be paid out on the last day of the month. Only a matter of processing it now. Should be with you twenty-four hours before the first payment is due on your policy. Just like I said, you win both ways.”
Pat rang David’s lawyer on the last day of the month to ask if he had received the check from Geneva Life.
“There was nothing in this morning’s mail,” Levy told him, “but I’ll phone the other side right now, in case it’s already been issued and is on its way. If not, I’ll start proceedings against them immediately.”
Pat wondered if he should tell Levy that he had signed a check for $1,100 that was due to be cleared the following day, and that he only just had sufficient funds in his account to cover it—certainly not enough to see him through until his next paycheck. All his surplus cash had gone to help with David’s monthly payments to Geneva Life. He decided not to mention it. David had repeatedly told him that if he was in any doubt, he should say nothing.
“I’ll phone you at close of business tonight and let you know exactly what the position is,” said Levy.
“No, that won’t be possible,” said Pat. “I’m on night duty all this week. In fact I have to leave for work right now. Perhaps you could call me first thing tomorrow morning?”
“Will do,” promised the lawyer.
When Pat returned home from work in the early hours, he couldn’t get to sleep. He tossed and turned, worrying how he would survive for the rest of the month if his check was presented to the bank that morning and he still hadn’t received the million dollars from Geneva Life.
His phone rang at 9:31. Pat grabbed it and was relieved to hear Mr. Levy’s voice on the other end of the line.
“Patrick, I had a call from Geneva Life yesterday evening while you were at work, and I must tell you that you’ve broken Levy’s golden rule.”
“Levy’s golden rule?” asked Pat, mystified.
“Yes, Levy’s golden rule. It’s quite simple really, Patrick. By all means drop anything you like, on anyone you like, but don’t ever drop it all over your own lawyer.”
“I don’t understand,” said Pat.
“Your doctor has supplied Geneva Life with a sample of your blood and urine, and they just happen to be identical to the ones Dr. Royston has in his laboratory in the name of David Kravits.”
Pat felt the blood draining from his head as he realized the trick Marvin must have played on him. His heart began beating faster and faster. Suddenly his legs gave way, and he collapsed on the floor, gasping for breath.
“Did you hear me, Patrick??
?? asked Levy. “Are you still there?”
A paramedic team broke into the apartment twenty minutes later, but, moments before they reached him, Pat had died of a heart attack brought on by a suffocating bout of asthma.
Mr. Levy did nothing until he was able to confirm with Pat’s bankers that his client’s check for $1,100 had been cleared by the insurance company.
Nineteen months later Pat’s sister Ruth received a payment of one million dollars from Geneva Life, but not until they had gone through a lengthy court battle with Levy, Goldberg and Levy.
The jury finally accepted that Pat had died of natural causes and that the insurance policy was in existence at the time of his death.
I promise you, Marvin Roebuck lived to regret it.