Investigating Officer(s): Det. T. Armstrong, Det. S. Murphy
Incident No.: 000524-27A-2001
Case Description: Melissa Hammond homicide investigation

On February 19, 2001, insurance investigator Bin Lee Choi contacted the detectives by telephone and spoke with Det. Ted Armstrong to inquire about the status of the Hammond Homicide investigation. In response to Det. Armstrong's request, Choi sent the letter below as a follow up to that telephone conversation.

Specializing in in Insurance Investigation since 1975
1709 Spring St.
Oxford, Mississippi

February 19, 2001

Det. Ted Armstrong
Yoknapatawpha County Sheriff's Department
Oxford, Mississippi 38655

Re: Twin Rivers Insurance Company
Claim No.: 3266789-MS
Decedent: Melissa Dale Hammond - 1/26/01
Policy No.: 32-98255-GBL3
Our File: 4902

Dear Detective Armstrong:

Confirming our telephone conversation of today, please be advised that I have been assigned to investigate a life insurance claim under the above noted Twin Rivers policy.

The policy was issued on December 12, 1995, to Mr. Roger Hammond, 4314 Mockingbird Road, Oxford, Mississippi in the amount of $2,000,000 ($2 million). It is a standard life insurance policy with a double indemnity clause for accidental death and payable on Mrs. Hammond's death.

However, in the event Mr.. Hammond predeceased his wife, the same amount would then go to Lydia Hammond (daughter) in the form of a trust account.

Mr. Hammond made claim on this policy on January 30, 2001.

As I understand there is an ongoing investigation into Mrs. Hammond's homicide, I ask that you keep me apprised of any developments that occur.

Very truly yours,

Bin Lee Choi

cc:  Twin Rivers Insurance Co.


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