The One Name Behind Four Unrelated Policyholders' Payouts

4 unrelated policies (POL-101 through POL-104) each had a beneficiary change 20-36 days before a death claim was filed, every one processed by the same agent, AGT-88, and every one naming the exact same person, Denise Okonjo-Hart, as the new beneficiary — $845,000.00 in combined payouts to one person across 4 "unrelated" policyholders. POL-205 also had a beneficiary change 30 days before its claim, but the new beneficiary, Marcus Websley, shares the policyholder's own last name and is on file as her son, and a different agent processed it — a normal family beneficiary update, not fraud.