Die Again Tomorrow (6 page)

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Authors: Kira Peikoff

BOOK: Die Again Tomorrow
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CHAPTER 6
Victim
5 months before, Key West
 
T
he ring of the doorbell on Monday night caught Mrs. Ruth Bernstein by surprise. She had forgotten the sound. No one visited her anymore, not that she minded. At eighty-three years old, widowed and blind, she had grown pleasantly accustomed to solitude. Except for Autumn, her golden retriever guide dog, she spent her days at home alone, in a cozy studio apartment that was small enough to navigate without feeling lost.
She counted the eleven steps from her recliner to the front door, Autumn's soft head under her fingertips. The dog and she were like a single organism, rising and walking everywhere in tandem.
“Who is it?” she called.
“Mike,” came a man's voice. “I work for the landlord.”
She unlocked the bottom and top locks and opened the door. The sensation of light beyond her eyelids was all she could detect—no shadows or forms.
“Hello, ma'am,” the man said in a polite voice. Sounded young, in his twenties, though she couldn't be sure. “I came to check the batteries on your smoke detector and carbon monoxide alarm. Florida law says we gotta check it once a year.”
“Oh! Of course, come on in. It's—” She hesitated, realizing she had no idea where the alarm was. She hadn't thought of it when she rented the apartment the year before; it had a balcony overlooking the beach in Key West, and just smelling the salt air was enough to sell her on the place, no questions asked. Thanks to her life settlement payout, she could afford to live out her days in such luxury.
She felt a swish of air as the man marched past her into the apartment.
“Right over here,” he said kindly. His voice came from the kitchen area, about fourteen steps away. “Directly above your dining room table.”
“You're a dear. Do you need a stepladder?”
“Nah, I'm good. I can reach it if I just climb up on this chair here . . . all right, hang on, it's gonna make a loud beep when I check it.”
Ruth knelt to cup her hands over Autumn's ears. The dog whimpered anyway when the shrill note pierced the room.
Then she heard the man's feet hop to the floor and walk back through the kitchen, toward her. He paused to cough—a dry, noisy hack. What she couldn't see was that he was turning on the burners of her gas range.
His footsteps resumed.
“All done,” he said, heading past her. “You have a good night now.”
“Thanks very much.” She wondered if she should tip him, but he was already opening the front door.
She closed it behind him and locked the locks.
Within an hour, she began to feel sleepy, though it was only 8:30
P.M
. She changed into her nightgown and climbed into bed. Autumn curled up next to her so their backs were touching.
She knew something was wrong before she could articulate the thought. Compelled beyond her control, she felt the need to gasp for air. She sucked in each breath with rising desperation, despite telling herself that there was plenty of air in the room. It was probably one of those panic attacks that used to sneak up on her after her husband died.
She rolled over to spoon Autumn. Her heart was beating frantically. The dog lay beside her, oblivious. She buried her face in its soft furry neck and stroked its chest. But her symptoms only escalated.
If she turned her head an inch, a tidal wave of dizziness smacked her. She thought of trying to reach for her phone, three steps away on her dresser, but knew she would fall over first. The balance she depended on was gone.
Autumn was trained for emergencies. She knew how to press a special large button on the landline that went straight to the police. It was time. Ruth shook her.
The dog remained motionless.
“Autumn,” she choked out. “Go call 911. Nine-one-one!”
The dizziness was unbearable, accompanied now by a paralyzing nausea. But what was wrong with the dog?
She shoved her ear against Autumn's chest. There was a heartbeat, but it was faint. Very faint.
“No,” she whispered. “Oh God, no.”
That's when she realized: it was something in the air. A tasteless, odorless poison seeping into their lungs. She needed to get them outside, onto the balcony, as fast as possible. The idea of going alone never crossed her mind.
She squeezed her arms around all seventy-five pounds of Autumn and hauled her toward the edge of the bed. The dog barely budged.
After a minute she realized the task would be impossible. She was choking and coughing, too dizzy and disoriented to figure out what direction to go. Her strength was fleeting along with her consciousness.
She fell back against the bed, still loosely hugging Autumn to her chest. In her last bid for strength, she pressed her lips against the dog's velvety ears.
Of all the parting words she wanted to say, none were enough.
But it didn't matter.
None came.
CHAPTER 7
The Diary of Richard Barnett
4 months, 3 weeks before, Key West
 
I
know you think I'm the bad guy, Isabel, and you're not completely wrong. But there's more to it than you think. I'm writing this account to tell you the truth—the whole truth—behind our relationship, because by the time you know enough to demand answers, I'll be gone.
The good news for us both is that I won't be around to squirm at your reaction.
In the spirit of openness—nothing to lose—I'll admit that when you walked through my door the second time, I was delighted.
You, considerably less so.
Your hair was tied in a bun at the nape of your neck, and I remember thinking how slender and breakable it looked. Despite your tough girl act, you were just as vulnerable as my sick and dying clients.
Vulnerability was my currency. I could spot it like a shark a mile away. I'm not proud to tell you that I swooped in for the kill. (Sorry, too soon?)
“I have the mutation,” you announced, marching into my office and plunking down into the chair across from me. “Eighty-seven percent odds of getting my mom's cancer.”
Your expression was part horror, part boast. It was a strange combination to behold.
But even stranger was my own gut reaction. Normally I would have launched into transaction mode without a second thought. A positive BRCA mutation was a value-added proposition, a welcome bargaining chip to any life settlement broker. Like jaded surgeons, we came to see bodies as parts, not persons; but in our trade, the faultier, the better.
That's why I was surprised when I felt my stomach clench. Your type of mutation was particularly lethal in young women.
“I'm sorry,” I said. I meant it.
“Yeah, yeah.” You waved me off like my politeness was a charade. “I know I'm worth more to you now.”
“I'll be able to help you more now,” I corrected.
It wasn't fair of me to take offense. All you saw was a greedy, heartless asshole. I had given you no reason to think otherwise.
“Do you believe your own spin?” you asked. “Or do you just spout that crap to make people feel better?”
“Look, I know you're angry and scared. But I'm going to help you save your mother's life. Our incentives are aligned, okay? I get paid only when you do.”
Any trace of vulnerability disappeared when your green eyes locked on mine: Your stare was unshakable. I had mistaken you for a damsel in distress, but really you were Prince Charming coming to the lady's rescue.
“Three hundred thousand,” you said. “Not a penny less.”
“I have just the buyer in mind.”
“The buyer of my death?”
I cocked my head. You were a no-BS type, unlike most other clients who preferred reassurance to reality.
“Yes,” I said. “He'll pay your premiums until your death, then take the two-mil cash payout when the time comes.”
You looked off into space, then back at me. “Who is this person?”
“A fine investor. Robbie Merriman of SkyBridge Asset Management.”
“What if I outlive him?”
“His fund will be the official beneficiary, not him personally.”
“Oh.” You pressed your lips together in disappointment.
“Nice try,” I said. “There's no escape clause in this deal.”
I can't help cringing now as I remember telling you that. I know it sounds nefarious, but I swear I didn't mean it that way.
Your face took on a shade of worry. “Is he, you know, ethical?”
Everyone always asked that, and I always gave the same pat answer.
“The business of death is a gentlemanly one. It's all reputation. If some buyer had even a whiff of corruption, all of us brokers would gallop away like spooked horses.”
“So you know this guy?”
“Seriously, you couldn't be in better hands.”
I had never met him in person, but we'd done many deals on the phone over the years. I pulled out my heavy leather scrapbook of obits and slid it across the table into your hands. You opened it and scanned the black-and-white clippings; I watched your face change from surprise to revulsion as you connected the dots.
“Your past clients?”
“Clients who were very grateful for my help,” I said. “You won't find a single horror story of some violent death. Go ahead and look.”
You flipped through a few pages, reading out the causes of death: “Heart attack, stroke, cancer, natural causes.”
“No murders,” I said. “In fact, there has never been a single record of someone dying because they sold their policy.”
You hesitated, twirling a lock of hair around your finger. “What does it even matter? We both know I have no other options.”
I wanted to reassure you even though you weren't asking for it. I reached for the local newspaper I'd been reading that morning, the
Key West Daily,
and spread it out before you.
“Look right there.” I pointed to the last page of section B, an obit in the upper right corner. “See Mrs. Ruth Bernstein, age eighty-three? She just died the other day, poor lady. I had helped her out when her savings ran dry, so she could live in a luxury apartment instead of some crappy old folks' home. She was thrilled with her settlement from Robbie.”
You squinted at her obit, which I had already flagged for the scrapbook. “Her death was ruled accidental,” you read aloud. “She left her burner on by mistake and it leaked carbon monoxide. How sad.”
“I know. Nice lady, but she was blind and getting on. Doesn't surprise me one bit.”
You pushed the newspaper and the scrapbook away, and reached into your backpack at your feet. You handed me a manila envelope: your genetic test results and your medical records.
“Thanks in advance,” you said, standing up. “I'm counting on you.” You turned to leave after we shook hands. No limp fish there; your handshake was solid.
“Wait,” I heard myself call.
You stopped to look back at me, an eyebrow raised. You were eager to get out of there, but I wanted to postpone the inevitable. After you walked out, you would never come back. I'd make the deal, I'd cut your check, and I'd wait to see your obit in the
Key West Daily
one day, hopefully not anytime soon. Then you'd be nothing but another clipping for the book.
But at that moment you were still alive—and impossibly beautiful.
I opened my mouth, having no idea what would come out. “You're doing the right thing,” I said. “Your mother is lucky to have you.”
You were listening for cynicism, but there wasn't any. You rewarded me with a small smile. Then you stepped out without a word.
That smile drove me to get Robbie Merriman on the phone the minute you left. I laid it out for him nice and simple:
“Twenty-eight-year-old female, worth two mil, carries BRCA1 at eighty-seven percent, plus her mom's already got stage four. I'm talking an aggressive family history. You can get in on the ground floor of a real cash cow right now.”
(Forgive me, will you? You're the furthest thing from a cow.)
“Interesting,” he said in his typical unenthusiastic voice. Nothing seemed to impress him. “But she doesn't have cancer yet?”
“Not yet.” But I quickly added: “Eighty-seven percent, Robbie. It's practically a shoo-in.”
“What about the time value of money?” he shot back. “She might not pay off for a decade or more.”
“Isn't your portfolio short on cancer, though? And I don't have to tell you that the mutation she has is especially common—and fatal—in young women. Very difficult to treat.”
SkyBridge Asset Management balanced its investments by expected causes of death: specific portions of the portfolio were devoted to cancer victims, heart patients, AIDS, terminal illnesses, et cetera, so that payouts would occur at strategically anticipated intervals.
I heard silence on his end, which meant I was getting closer.
“She'll settle for three hundred and seventy-five thousand today,” I said. I drove him up a bit because I liked you. “Her future valuation is thirteen times that. Honestly, it's a frickin' steal.”
“Send her records,” he snapped. The line clicked off.
That was Robbie-speak for “We have a deal.”
You want the whole truth. Here it is: I pumped my fist in the air. I entertained a vision of us celebrating with a drink.
I had no idea what was coming next.

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