LISTEN: Charles Vallow calls life insurance company three times before death

#eastidahonews #daybell #call
Charles Vallow called his life insurance company three times before his death. These are the calls released by police.

[@joannadechenne6368]

He was generous. He was devoted - then heartbroken. Then terrified. And he was NOT WRONG.

[@hopeful8975]

He had always been very generous to all of her family.

[@joannadechenne6368]

@@hopeful8975 Absolutely. He gave and gave. How heartbreaking is his last call? He is literally crying - we can hear his grief.

[@delindasowder9120]

This has gotten to be the saddest call I’ve heard yet - even after watching all the videos where he’s trying to tell the Cops and NO ONE LISTENS TO HIM! No one! It’s so devastating. My heart breaks for him.

[@joannadechenne6368]

@@delindasowder9120 I know. I couldn't agree more. Gut wrenching.

[@kathleenk7170]

He seemed like he loved being a husband and father. He must hav even a saint to deal with loony lori for fifteen years.

[@loveforeignaccents]

As aggravating as this was, at least he was able to change the beneficiary in time!

[@malessacooper6329]

Unfortunately Lori did get social security death benefits until her arrest. Tylee got $1,900 monthly in Death benefits and Lori and JJ got $1,900 each monthly after Charles' death. That's $5,700 monthly and a grand total of $68,000 yearly.

[@loveforeignaccents]

@@malessacooper6329 Right, which she was charged with and found guilty of!

[@debs4573]

A final fu from Charles. So satisfying. Sorry we lost him to that b.

[@1corrsfan]

@@malessacooper6329how long did she receive this money til she was arrested? That’s a lot of $$$$$ each mnth.

[@mickeykyker4837]

I had to keep reminding myself of that.

[@kristaw2686]

It breaks my heart that he tried so hard to get help and no one took him seriously.

[@MathewWoodard]

He was probably taken seriously but there just wasn’t anything that could be done. “My wife is crazy” isn’t against the law and not enforceable.

[@missycitty9478]

@@MathewWoodard Exactly. 😥

[@alynsak]

Unfortunately this country still has a long ways to go to believe men when they say they're in trouble.

[@elayneblystone7889]

Yes truly heart breaking

[@cheesehead4670]

@eboston7591🤣🤣🤣🤡

[@janetmosier9182]

How frustrating for Charles. Lori should certainly be charged for making unauthorized changes to Charles's account

[@astrialindah2773]

You probably can't charge a spouse, right?

[@robertmaylock9532]

@@astrialindah2773 actually they can but the statute of limitations has probably expired.

[@bevtrue6937]

Actually she is being charged with life in Prison so it won't do much good to add insurance fraud to that sentence, but it didn't save his life. So sad.

[@famousamos1]

Wrong Lori is indicted in Maricopa AZ for conspiracy of Charles Vallow murder. So if state prosecutors can obtain the Legal & General phone call 2/20/19 of the person who called to setup the phone call password then they can use that evidence as proof of the conspiracy so hopefully it was Lori that called to setup the phone call password.

[@lorihill-jerran5769]

This is the reality of how companies policymakers are dealing with fraud, and ignoring problems that could potentially end in death. Soooo sad Charles’s life ended like this!

[@barbie5697]

Hopefully Arizona prosecutors can use this to prove premeditation. You can hear the panic in his voice, he KNEW she was up to something bad. RIP Charles 💔

[@robertmaylock9532]

I bet they will. Should be interesting, but it's a damned shame they ignored his pleas for help or he would still be alive. That's actionable!

[@lesliesmith1103]

AZ dropped the ball in the first place. Don't know if it would have changed the outcome of Charles but would definitely have changed what happened to the kids and Chad's wife. Irritates me that they interviewed Lori and Tylie in adjoining rooms where they could hear everything the other one was saying. I honestly don't think AZ took the investigation into Charles seriously until after the kids went missing.

[@Ausgar-yc1yl]

​@@robertmaylock9532Police are NOT obligated to protect individual citizens from harm.

[@Tawadeb]

Why not? ​@@Ausgar-yc1yl

[@jackie5522]

To serve and protect

[@EmmaDee]

WHY WHY WHY did NO ONE NOT LISTEN TO THIS POOR MAN?????

[@theloquaciouslady]

Because we live in a vagina worshipping world where people naively believe all women are victims and saints.

[@malibudolphin3109]

Good man.

[@VanessaKittredge]

So sad. I wish he would have refused to go into the house to pick up JJ. He should have insisted on neutral public place.. so awful.

[@Aleka1943]

Even when in Gilbert or Queen Creek, AZ, he told them something was wrong. I believe this was hours before he was murdered. FAILED HIM AGAIN!!!!!!

[@MadgeGreen]

​@@VanessaKittredgeI wish he had worn a bullet proof vest and hired a bodyguard to go with him since the police were no help.

[@StaceyT1978]

If only those police officers listened to him!

[@loveforeignaccents]

They listened to him. Unfortunately nothing could have been done.

[@John.Flower.Productions]

@@loveforeignaccents Something could have been done for JJ.

[@lucyclark1301]

They need sued

[@loveforeignaccents]

@@John.Flower.Productions Like what?

[@loveforeignaccents]

@@lucyclark1301 The lawsuit would be tossed out.

[@jacksonFluffy]

This is one evil woman.

[@sue1048]

Yes usually men do this to wives and kids before they kill them

[@OutWestRedDirt]

Chad was behind this woman, calling the shots.

[@carolynwelsch]

It's terrifying to think anyone can tamper with YOUR life insurance policy that easily, and suddenly you are powerless.

[@deadmanswife3625]

There once was a time and maybe it's still true in certain places where you could take out life insurance on somebody and they didn't even have to know about it

[@jeanP924]

Another bunch that let Charles down!

[@heidimccann6785]

​@deadmanswife3625 yes, anyone can take out a life insurance on anyone.

[@thomasmcavoy2278]

It's even more terrifying that somebody can tamper with your Life Insurance.And then have you killed right after..

[@deadmanswife3625]

@@thomasmcavoy2278 when you are a social engineer you can talk anybody into believing it's okay to bend the rules and give you information. Plus I'm sure she went online she helped herself into all the devices got the passwords changed ...things... all that

[@Dawnsdelightsart]

She did a number on this poor man. Why do women like her get good men like this. The red flags were there in plain sight.

[@robertmaylock9532]

Good looks and se xu al willingness. Charles thought with the wrong head and it led to his mur der.

[@melissasue2465]

I think this all the time. The psychos always find the good men.

[@fatimaamerson3232]

Lori sold Charles an illusion of herself. She pretended to be perfect and it was all an act. He really loved her and everything about her because he thought she reciprocated his feelings. But by the time he figured it out, he was already in too deep. He never saw it coming or stood a chance. God bless him, his intentions were pure. #Demons are real. # Hell is a place called earth.👌🏾🙏🏿

[@winendesertrose]

@@melissasue2465 my theory is they learn from an early age especially if they're from a family where this is the norm. if they're from a lesser income family they might even be even more dangerous because they're always 💰 hungry. They know how to manipulate make people feel sorry for them fool sometime' sharp cookies' that think they can't be played.

[@brendagoodspeed443]

Fair warning to all men…beauty is skin deep… So sad.

[@carajones8935]

That is just ridiculous that without a password, he can’t be ‘authenticated’. But, clearly, they allowed someone else to make changes to his accounts.

[@u4ea376]

I would guess her husband to be/husband ASAP Chad Daybell. Evil people. God doesn't like evil. May they both run into "a Bubba" and live a long, scared and unhealthy life

[@sallyerobbins6479]

We know who did that ! Premeditated.

[@JEdwarrd]

It show hows corporate America fails at protecting anyone, even though they make us jump through hoops. Their policies didn't protect Charles account, he- the customer had to hold them accountable.

[@normacolon9618]

Cause he hadn’t set up a password before that, and Lori had all of Charles I’d, and important papers, and policy, that’s why she was able to put someone to change it, either Cox or chad

[@Brucebod]

Are we sure these calls are in order? Did he perhaps just forget he had put a password on? Where is the call in which he took the password off, then?

[@ladygreenlife]

Poor man. He felt them coming for his life step by step. How horrifying!

[@j3611]

Even taking friends with him every time he was going to pick up/drop off the kids wouldn't have saved him, at some point they were always going to kill him it was all down to opportunity.

[@tj6930]

And he reached out to every single person he could-- he got help from a select few, and treated like a controlling abusive husband. Lori is a special kind of demon.

[@dilafng]

This poor man. 😢 His wife is about to kill him, and his insurance company is giving him the freaking runaround. Rest In Peace, Charles. You deserved so much better.

[@nicbro3831]

Charles tried so hard. Nobody listened to him. Poor guy. Those poor kids.

[@edcpike]

This is heartbreaking. She planned the whole thing.

[@malibudolphin3109]

They, Chad, brother and her planned it.

[@MathewWoodard]

@@malibudolphin3109the brother was a useful idiot I think but that doesn’t excuse him

[@bobbicatt]

Yep I bet her bother or Chad called and set up that passcode, thank God Charles was smart enough to change the beneficiary.

[@carolyndymond4065]

Yes, and put on a show to everyone that she was the victim and Charles was the bad guy.

[@camiosis]

Then she let the police know well he took my purse because I stole his car from airport parking lott ......and removed all his belongings out the house ... she claimed she caught him cheating....she was the one cheating ...she pretty much told the police on herself but they were too busy flirting and laughing with her.....

[@trubrit5036]

Well, it isn't hard to guess who put in the password. My goodness, she had it all planned out. You could tell that he knew his days were numbered. My heart hurts for him, even though he is gone, and all his fears came to fruition. I hope there is a life after death, and that he is a happy little spirit now. He deserves it.

[@carolyndymond4065]

I'm hoping they're all together now.

[@amberchase7959]

There is life after death

[@emilyneilson6554]

The second call verified he was the one who set up the password and forgot he did it....

[@smalltowngirlbigcityheart3724]

@@amberchase7959Yes!! Praise God! We have that hope and promise that if we accept Jesus into our heart and believe in Him, we shall have everlasting life! Forever in Heaven with our Lord and Savior who died up on that cross because of His love for us! God/Jesus loves us just as much as we love our children!! That’s monumental!

[@a.racetiffany2966]

Pray for him, for his soul,through Jesus. Prayers are heard. And pray for children's souls. Prayers are heard. Their is a divine, higher power.

[@deecondon2816]

What a calculating vicious woman she turned into. Praying for another guilty verdict.

[@HapticFrequencies]

She was always that way....

[@peachespavalko1980]

*AMEN!*

[@athenaferguson910]

Praying Arizona gives the the death penalty.

[@wkjeom]

​@@athenaferguson910--She deserves the DP. She has earned it.

[@kimtillman5683]

Not sure why your saying “another guilty verdict “ on June 16th she was denied another trial,is there something I haven’t heard ? Plz tell ✌️oh are you talking about the trial of the murder of Charles ?

[@marygoff3332]

Sad to hear his voice. He was the very best thing to ever happen to Lori and her extended family. ❤

[@BobbiGail]

I've thought this too. She had a sweet deal taking him for all he was worth when he was ALIVE. And housing! Never enough for her. Cheese.

[@melissaconnellyjones2622]

As soon as the agent said that the password was created in Feb. Charles knew exactly who did it. Poor man had his heart broken so many times by that evil witch; he deserved so much better.

[@sara31773]

I’m glad he was able to change the beneficiary but how sad is it that he was so desperate to change it because he knew his life was in danger.

[@rahannneon]

That poor man. He knew she was going to kill him, and nobody would believe him.

[@OutWestRedDirt]

They. Chad, Alex and Lori.

[@CountessKitten]

If only ONE, 1, O N E person had listened to Charles Vallow, maybe he'd be alive now, or have stayed alive to be able to save the children. So, so maddening.

[@astridvvv9662]

What a sweet, precious, kind man. He wasn't being rude whatsoever and his voice never increased in volume or aggression. Yet he still felt wrong for taking his frustration out on the agent even though HE WAS A GENTLEMAN the entire time. This is the saddest I've ever been regarding the entirety of this case.

[@alisonwonderlandof1]

Right?! He barely raised his voice when he was totally frustrated. Even in a time most people may not be at their finest (we all get aggravated with call centers but most are just doing their jobs) and he was still polite but urgent...so urgent....this will always be so devastating because he was "patient zero" in what would become a long line of innocent lives.

[@4everu984]

Sweet? Sounds like a Karen and willfully incompetent….not writing down info almost cost him. Poor call center people don’t deserve this, his CRAZY wife was on marriage 4 and destroyed Tyler’s Dad viciousl,y….he was warned.

[@BackrowErnie]

@@4everu984what are you on?!

[@LadyGenerationX]

I so agree... my 💔 hurts for this

[@barbaravaters4989]

Unbelievable! I saw a video of Charles Vallow trying to get help from the police. He was pleading with them to get help for Lori. They did nothing. He tried so hard, but I got the impression that they just thought something was wrong with him. Absolutely no one helped him. So very sad.

[@helenbalabanoff1409]

I agree 😢

[@lyndaczika6327]

The family of Charles should sue the Gilbert Police Department for incompetency. It’s absolutely astounding how badly they failed Charles. 💔😢

[@kylieknight2365]

The police can’t do anything! They don’t have the power to go grab someone just because someone is worried! If police started doing that everyone would be up in arms! Ridiculous comment! They had as much power as he did which is none. They could only act on they welfare check when the kids first disappeared which they did act immediately because that’s their job

[@fernanditaluiz2591]

The cops who showed up were also LDS, clearly Lori had something to do there. She had a friend who was in their inner circle and he was also part of the local PD.

[@theresabeene9046]

Seems like after a few minutes with Lori they were convinced to believe her. She had a way with Men!!

[@AmFlora]

Man did she try like hell to get that money.

[@malibudolphin3109]

Her and Chad

[@AmFlora]

@malibudolphin4232 she had a long history of this, before Chad came along. He's absolutely a world class scum bag and hope he fries but, this is mostly her, for sure.

[@robertmaylock9532]

@@malibudolphin3109 Chad knew he wasn't going to be able to live off Tammy once he switched bicycles to Lori so Lori had to be able to support him.

[@kingoreo3642]

Just trying to lead the 144,000 😂

[@mightymouse1005]

That's all people were to her....OBJECTS for her personal use and benefit.....not humans with heart and soul

[@Catherinzsl]

God, I feel so sorry for Charles - and the other victims, of course, but particularly Charles, who seemed to have an awareness and a real (legitimate!) fear for his finances and his life. It is so hard to hear the disconnect between this logical, polite, CLEARLY distressed man, and what sounds like automatons on the other end of the line. You'd think if someone calls with this level of distress about their life insurance policy, and someone else has set up a password on their account, that someone could immediately connect them to a fraud or investigatory department. I get that people have to be officially identified/verified, but if there's any question about someone tampering with life insurance beneficiaries, you'd think it's in the company's best interest to get that flagged and sorted ASAP. I had a "situation" recently, and my bank was GREAT about helping to protect me and my finances.

[@sheriehalvajian4422]

Yes he was doing EVERYTHING that he could so awful

[@donnachatterton6298]

Thank God it worked out that Lori couldn’tclaim his insurance. It was given to his sister.

[@Munjajane]

Lori and her dad alone have rocked the ins industry . I can vouch for that with her dad since he duped me for 30 years as my insurance agent.

[@junehawkins6178]

Wow! I guess that apple didn't fall far from the tree. Absolutely disgusting... both of them!

[@Stelpots]

I know, it's incredibly frustrating because he wasn't just scared for himself but also for JJ and Tylee and he was RIGHT. He was absolutely correct and he tried everything and nobody listened and her whole family shunned him apart from Adam and Brandon. And the same thing nearly happened to Brandon. Just crazy stuff.

[@Gupper2012]

Rest in peace Charles. This dear man my heart aches for him and his family

[@kittylaughlin1220]

Ohhhh.....totally agree.....no one is perfect, but he was a hardworking, loving, caring man.....even though he figured out Lori was Waco, he still was trying to help her....they planned this, and followed through....soooo, soooo sad....makes me soooo angry....what a loss!!!😢😢😢😢

[@JCluvsdogs]

And she did this 5 months before he was killed!🤬

[@PInk77W1]

The only good thing from this whole case is Charles Changing the policy

[@briarrose29]

Except it probably cost the kids their lives. 😢

[@Ericka1408]

Poor guy. His family should be furious with the AZ police department for not looking further into it when he reported that woman

[@susien7323]

My heart breaks for this man. A password? You know Alex must have called in impersonating Charles.

[@vickymaynard4963]

i would love to hear the phone call of Lori calling into the insurance company and setting up the password and whatever else she did in February. It just breaks my heart hearing the sense of urgency in his voice. Thank goodness he actually took the time to make the change of beneficiary, it's just so sad that the money won't go to JJs care the way he intended but maybe some of it helped Kay in her pursuit of Lori and her nefarious deeds.

[@Kay-fv7cw]

I've heard in an interview that Kay also gave some of the money to his other two sons.

[@tazzie2shoos]

We will likely hear it in the trial over Charles' murder. Such a sad loss of a mans life over greed and power. I pray he has found peace now.

[@kittylaughlin1220]

​@@Kay-fv7cwI absolutely love Larry and Kay.....wonderful people!!!!❤❤

[@Kay-fv7cw]

@@kittylaughlin1220 I agree!

[@cynthiawilson5066]

Well at least his 2 boys from his first marriage got some Im sure Kay took care of them I hope

[@jennifercornman1291]

My heart is hurting just listening to him

[@sassycat2841]

He knew she was going to end his life. How incredibly sad 💔

[@brendaredmond4678]

That had to be so frustrating for Charles. He was met with opposition at every turn. He should be alive right now. His biological sons should sue them all.

[@symorla]

Its ALARMING how unhelpful the life insurance agent was 😳 at least at first. I’m glad Charles kept pushing

[@JEdwarrd]

It's the corporate structure of America. Completely corrupt while lying it's safe.

[@deadmanswife3625]

Then the agent says have a nice day after he's just been told that his wife is trying to kill him

[@gointothedogs4634]

They have rules to protect the rightful owner of the policy. Lori must've had access to the account with the policy number, because he didn't have it. She'd moved, he didn't even have that address.

[@deadmanswife3625]

@@gointothedogs4634 he had no idea about it so she got access one of those times when she tried to play funny by grabbing his phone or his laptop and acting like she was jealous to get him to open it up for her so she can read his messages or whatever

[@bordereau1]

Incredibly the carrier took the spouse's word versus the insured who was paying for the policy......​@gointothedogs4634

[@scp-09698]

They let her change the information on HIS policy and tried to prevent him accessing !!!!

[@jennigullikson438]

E.X.A.C.T.L.Y. !!!!!

[@gointothedogs4634]

People use your heads. They need passwords to protect from theft. This is common for security reasons. They had no idea if he was legitimate or not. Obviously Lori had recorded his account # or had the policy available to read from. .

[@bordereau1]

​@@gointothedogs4634and they allowed someone other then the actual policy holder/insured to change his policy and should have been more diligent prior to him making the changes

[@Papyrius]

Thank goodness he thought about his life insurance so quickly. Lori worked so fast.

[@kathleenmcerlean6409]

Listening to this calls gives me chills Charles told that man if I die today she gets all the money wow he knew it was coming no one listened to him I really hope he’s at peace now 💔

[@joanmcdonald3176]

I really feel sorry for Charles and what he had to endure. Lori was so conniving. I'm sure she's the one that set up that first password.

[@astridwhomes9724]

Her brother did

[@hazelhadley-britt6396]

​@astridwhomes9724 yes. At her bidding.

[@SledDog5678]

Poor Charles! I am furious at this situation. I hope Lori has this insurance fraud added to her murder charges!!!! Sure do want to know the name of the Insurance Company!!!!

[@lisajel52]

The guy from the insurance company said Banner Life.

[@Ftybr57]

Settle down 🙄

[@numberone5680]

I thought he said “Standard “ insurance. It doesn’t matter now, does it? Even being rattled, not writing down Kevin Delarosa, or recalling the name is 🧠 less 😶‍🌫️

[@jasmin0930]

Thank you East Idaho News for continuing the great coverage of this sad case. So many people affected by one woman and one man’s evilness.

[@robertmaylock9532]

@@alienrocketscienceshared8454 She actually said KAY was "dark" for getting the insurance money they killed Charles to get.

[@Pamela-pe7eu]

Poor Charles so happy he was persistent!! I’am happy he got this done! Wish the police had taken him more seriously!😢

[@HapticFrequencies]

At that point, if you were the police, what could you have done? No crime had been committed......

[@Arkie-Sparkle]

​@@HapticFrequenciesIs a threat to kill in America a crime??

[@HapticFrequencies]

@Lotus-mb7zp At that point, she was threatening to kill "Ned" & it's just a "he said/she said" @ that point ... unfortunately....

[@Arkie-Sparkle]

@HapticFrequencies Oh, okay! Surely those m*rd*rs could have been prevented?! If only someone spoke up, it's beyond sad, 😥😥😥.

[@Ausgar-yc1yl]

It is NOT the job of the police to protect individual citizens from harm.

[@kaitlynndee1126]

He sounds like a nice man. So sad what happened to him.

[@peachespavalko1980]

🙋‍♀️ My blood pressure went up and the anxiety level was intense just listening to this. Poor Charles. May you RIP, my sweetheart. I’m so sorry you had to endure all that frustration and pain.

[@geethebirdnerd]

So sad

[@NovemberRain007]

Oh my goodness that poor lovely man🥺💔🕊️💙

[@tigermoon44]

How can she change the password with this insurance company without his consent? How did she get in without them verifying with him that she was or is his wife? I think there definitely is a problem on their end if someone can go in and do this!

[@ghostdetectorsuk]

Probably her brother she would have had his policy number they were scamming him

[@lucyclark1301]

online

[@EmmaDee]

Simple!! She knew all of his information, had Alex or Chad to call to password protect the account THINKING she had Charles, himself locked out of his policy.

[@Ftybr57]

Hmmmmmm.she found a person that she manipulated. Where is the fkn mystery here?🙄

[@sherryhunt3995]

There wasn’t a password she added it to the account, just sad 😔

[@sherryhunt3995]

Thank you, be to Jesus, that Charles was able to catch this and take care of this before it was to late. His intuition must have been in overload. I feel so bad for this family. May they find the justice they deserve. God is close to the broken hearted and saves those crushed in spirit.

[@mama_j1629]

It breaks my heart that such a good man and two beautiful kids were taken out of this world by those narcissistic monsters

[@gr122]

wow that woman thought of everything! she placed in the password that he never had so he can't even access! The poor man! And why would she need all that money if the world was going to end in 2020? Proves she never believed that BS.

[@juniemoon1528]

Absolutely heartbreaking. This poor man….

[@lisabrightly]

I feel his frustration! His last year was nothing but stress and worry . Poor guy. 😔

[@dsmusicbird]

I had anxiety through this whole thing. It’s an indescribable nightmare having to deal with a narcissist of any type let a lone a psychopath. It never ends.

[@adavan3095]

Poor, poor Charles. Never heard this before. Thanks for posting.

[@eden_aumakua]

My god, why didn't the Police arrest her before all of the damage was done is such a shame.

[@OutWestRedDirt]

Thank goodness Idaho took actions of Chad and Lori seriously, if they hadn't they'd still be murdering

[@DamnitDana]

That absolute snake 🐍…this man should be here today. The fact that she could be this sneaky while planning this man’s death makes me sick. Now I want to hear the calls where she set up a password 😠

[@kittylaughlin1220]

You will hear the calls, when Lori goes to trial in Arizona for Charles death!!!

[@DamnitDana]

@@kittylaughlin1220 🤞🏻 I listened to the call between her brother and the detective after this one and it’s unreal how many lives she ruined or took away completely…good people. Ugh, heartbreaking 💔

[@joannepackus5736]

So happy he was so persistant. I wish I could have heard the call where they tell her she is not the beneficiary. He seemed to sense his days were numbered and he needed to try and provide for JJ.

[@kittylaughlin1220]

There is something about that call somewhere in someone's video, cannot remember who!? Don't know if it was brought up in her trial? Of course, it might be brought up again at the trial in Arizona, coming up for Charles death.....hope she burns in HELL!!!!!!😠😠😠😡😡😡😡🤬🤬🤬🤬

[@winendesertrose]

There is a recording but she doesn't find out in the call -she finds out in the mail that she is not the beneficiary.😅

[@monalisatayero6135]

I feel for Charles, every time I hear him trying to tell people what was going on, they never listened to him. Rest in peace and may God bless your family.

[@RM-ti8nf]

Woah Lori's evil knows no bounds!! Poor Charles ❤

[@WyattRyeSway]

That juror from his trial said Lori was the true face of evil.

[@annie_sugar]

Banner Life Insurance is the absolute WORST!!!!!!!! No wonder they gave him the run around.

[@famousamos1]

Legal & General is the parent company of Banner Life & William Penn Life Insurance Company. I personally think the customer service rep especially Kevin DeLarosa did a great job 👏🏽 I’m not releasing info without the phone call password even though Charles Vallow didn’t set it up but Kevin doesn’t know that. Like Kevin said since they record all phone calls he can submit an investigation inquiry and they can review who called in to setup the phone call password.

[@kittylaughlin1220]

​@@famousamos1They could have figured that out quickly, he got the run-around and since it was a frantic call, I an ex call center person, would have gotten a Manager to escalate this issue...ie- getting him to fax/email info immediately, check notes from previous calls (CS reps must put notes on calls), etc....

[@joannemurdock7899]

Truth and Justice for Charles Vallow💙🙏🙏🙏🙏🙏🙏🙏

[@tara_ble1705]

If anyone who was in a position of authority would have actually helped him instead of thinking this was just a case of a man who’s bitter bc his wife is leaving him, all the deaths would have probably been avoided.

[@EatMorePizzaNow]

Charles, the kids, and their families deserved better than that evil woman. There will not be a corner in hell hot enough for her.

[@leahyamazaki5241]

This poor guy..wow :((

[@mellymel3245]

Chad probably called and set up that password while pretending to be Charles.

[@astridwhomes9724]

No the brother

[@gointothedogs4634]

Or Alex.

[@9eyeswideopen]

What Lori put this man through is beyond belief I only pray this never happens to another person, and when it is brought to the attention of the authorities they act on it. Charles was letdown by everyone it’s not like he didn’t speak out. This insanity has to stop

[@mjbates9624]

Thank goodness they were able to change the benificiary

[@MsTygame]

This is an excellent example how men are not listened to when they have a psycho in their life.

[@sunnymoondog]

Either are women. Psychos do this to everyone

[@lisapurplehayes]

Show us the police body cam of Lori being arrested please!

[@trishannbell5508]

So they allowed Lori to put a password on this account? How utterly disgusting. They actually ALLOWED SOMEONE ELSE TO PUT A PASSWORD ON HIS ACCOUNT!?!?! OH. MY. GOD!!

[@famousamos1]

You don’t know if it was Lori that called Legal & General to put a phone call password on his policy. But I’m sure Lori knew all the info on Charles to have Chad or her brother Alex to call in acting like Charles because Lori knows all of Charles info such as policy number, DOB, address, SSN, etc.. most spouses know each other personal info even maiden names or mother maiden name. Even if you setup security questions probably most spouses know that like your first pet name or what elementary school name or favorite color etc…

[@JackieOlantern]

@@famousamos1No one other than Lori would have reason to go in and change his password. NOT. ONE. OTHER. PERSON.

[@famousamos1]

@@JackieOlantern I was being sarcastic. I don’t think Lori actually called to change password. She probably had her brother Alex or Chad call. Although Lori could do this but with a POA.

[@denisea23]

I would bet $ that Alex called in saying he was Charles. Absolutely disgusting.

[@famousamos1]

@@denisea23 I put my money on Chad called in pretending to be Charles. As he was the one that called the funeral home about Charles death pretending to be his nephew.

[@creolelady3930]

RIP Charles

[@charlottereitberger6253]

I would have loved seeing Loris face when she realized he left everything to his Sister.

[@lily-rose7982]

There is a tape of Lori the day after he died trying to access the money and finding out it's going to his sister....very glad he changed it.

[@nuckinfuts7610]

What a royal pain in the arse, to say the absolute VERY least. Evil surely does come in many forms.

[@oconnorjames]

Companies make it very easy to open accounts but try cancelling or making changes is harder than hell. Especially when you call and you deal with different people each call. Even deleting social media accounts you go through so many steps and time before they actually do delete it.

[@missycitty9478]

Right?? This is complete bullshit that they let someone else change a pw on HIS policy!! I'm so P*ssed right now. This poor man did not deserve this. Any of this. I hope Lori ROTS. 😡

[@marcarpackin2421]

His life was in danger. This was proof! Someone could have saved him. So sad.

[@bevtrue6937]

The end result is that the benefits ended up going to his sister, Kay, as he wanted, so it did get resolved, thankfully, even though his wife, Lori, tried to steal the insurance. Lori didn't find out in time, so he still ended up being murdered for the insurance, but at least Lori didn't get the insurance, even though she tried hard to do so.

[@malessacooper6329]

Unfortunately she did get social security death benefits until her arrest. Tylee got $1,900 monthly in Death benefits and Lori and JJ got $1,900 each monthly after Charles death. That's $5,700 monthly and a grand total of $68,000 yearly.

[@karenreacher9079]

OMG! I find this to be so sad. The guy spends one of his last days on this earth making phone calls when his wife premeditated all of this! This is how phone calls go, it is so frustrating at times.

[@leo_zero1879]

Well, if this doesn’t prove premeditation, I don’t know what will. Rest easy, sir.. I’m so sorry no one listened…

[@Franana3]

This is so heartbreaking! Charles had sense enough to change the beneficiary but he showed up alone when clearly the conversation with the life insurance showed Lori was up to something fatal for him. So sad!

[@sharonmickey4566]

This call shows what a nice guy Charles was. He could have lost his temper and demanded supervisors etc.... I worked in call centers and this is the kind of person you want to help. RIP Charles... you sure didn't deserve this. :( This insurance company customer service sucks!

[@MichaelrennieG]

This whole thing is frustrating, Charles did not have to die, no one was listening to this man who was very straightforward with everyone he was clearly explaining his problems to anyone who would listen, the only person listening at the time was Adam Lori's brother, some of the police officers were entangled in Lori's weave...

[@dakalodk]

He didn't have to walk into that house 🏠

[@bluemeister7]

​@@dakalodk For all we know, Lori could have lured him there by telling him JJ or Tylee was hurt, in danger, etc. She could have even faked interest in a reconciliation and opened the door with arms wide open...This man was ambushed by psychopaths and doesn't deserve to be victim-shamed.

[@yikes7963]

Good for Charles for speaking out every chance he got! How terrifying to know you're on someone's hit list!!

[@music4lainey686]

The sheer panic of poor Charles is palpable

[@showgirlsaroundtheworldada4484]

Like I said before ..Lori killed him to get insurance and used her brother as the scape goat.

[@AmberGraves80]

This poor guy. You know he saw this coming and was doing everything he could to thwart her, but there was so little help. I could just cry with frustration for him.

[@Mom_572]

Pray for the death penalty. So sad for Charles and his family

[@WyattRyeSway]

Lori won’t get the DP but Chad might in ID

[@fraukie1598]

I am not religious but PRAYING for someone getting murdered seems just wrong.

[@deltas726]

Thank God he got the beneficiary changed, shes such a coldhearted thing. Poor guy R.I.P Charles❤

[@elf1845]

Heart breaking. The man went through so much torture and then lost his life.

[@lyndaczika6327]

It’s amazing the lengths Lori went through to get to Charles’ money. I’d like to hear the recording of who exactly added the password. Most likely Chad or Alex pretending to be Charles.

[@deadmanswife3625]

Maybe it was done online Lori used all her husband's and everyone else laptop cell phones you name it

[@usakiwi1986]

I can only imagine the other evidence that comes out at the trial for Charles murder!

[@cynthiacarter514]

Heartbreaking! He tried to go to family and authorities! Thank you for uploading this conversation.

[@bronwyn117]

She really worked hard to get his life insurance. I would love to see her face when she found out she was not the beneficiary! Evil!

[@Mangoliveson]

Insurance companies record calls. They should have a recording of the call when this bogus password was set up. Where is that recording?

[@melasmontanayogahomestead7818]

RIGHT!!!

[@charlotteruse158]

Can you imagine how the Insurance agent That talked to him on the phone felt when he found out Charles was dead.

[@lalaboo251]

He knew, it’s in his voice. 🙁

[@user-lq9es6wm9s]

Ugh. I know that’s the part that kills me 😢

[@lalaboo251]

@@user-lq9es6wm9s it gets me too

[@allysonh6410]

100%! 😢💔💔💔🖤

[@geraldine1437]

If only he had not entered that house - my heart aches hearing his voice knowing he is not here with us anymore. So sad! That was probably Chad putting a password on his account.

[@lindadarnell2250]

Or Alex

[@robertmaylock9532]

ALWAYS set up custodial changes at the police department.

[@eternity7477]

All I can think of is how Lori expected Kay to share the insurance money with her. As if she never committed fraud and she was the victim.

[@cpp1390]

That is proof he never called and never set up a password! Sad!

[@debbywineinger3077]

My God, the fear he must have been in! Freaking police did nothing!

[@Ausgar-yc1yl]

Police are NOT obligated to protect individual citizens from harm, that is not their job.

[@Truth1561]

This is crazy! Poor Charles. He seemed like such a good guy. I hope they can get Lori on his death.

[@rubyoro0]

If only we could go back in time and Tell him RUN!!! I feel so much impotency right now.

[@Canadian_Girl27]

Wow! This is crazy! I hope this proves premeditation in Charles Murder and I’m sure if they pull the calls it is either Lori or Alex. Although Chad called on Lori’s behalf before!

[@aliV1127]

Poor Charles knew he was going to be harmed .. Makes me so sad.

[@dsmusicbird]

Can’t really trust anyone, but ya gotta be able to trust yourself ❤

[@dsmusicbird]

It is infuriating and just disgusting