Regular price: £22.89

Membership details Membership details
  • A 30-day trial plus your first audiobook, free
  • 1 credit/month after trial – choose any book, any price
  • Easy exchanges – swap any book you don’t love
  • Keep your audiobooks, even if you cancel
  • Free, unlimited access to Audio Shows
  • After your trial, Audible is just £7.99/month
OR
In Basket

Summary

Suppose it were legal to gamble on the time someone else is going to die. It is, if you invest in a life insurance product called a viatical. 

When the sister of a law firm client dies in her sleep of carbon monoxide poisoning because of an apparently malfunctioning hot water heater, third year law student Elliot Lerner is asked to determine whether anyone could be held responsible in a wrongful death lawsuit. As he looks into the circumstances surrounding the death, he learns about viatical settlements -- investment products designed to provide terminally ill patients with immediate cash in exchange for the right to their life insurance payouts when they die. The amount investors are willing to pay for a patient's death benefit depends on how much longer the patient is expected to live, because the investor must take over payment of the insurance premiums. 

If it looks like the investor's gamble is not going to pay off as planned because the patient is living too long, and the cost of premium payments is exceeding expectations, there's only one way to eliminate that expense.

©2017 Kenneth J. Isaacson (P)2017 Kenneth J. Isaacson

More from the same

What members say

Average customer ratings

Overall

  • 5 out of 5 stars
  • 5 Stars
    1
  • 4 Stars
    0
  • 3 Stars
    0
  • 2 Stars
    0
  • 1 Stars
    0

Performance

  • 5 out of 5 stars
  • 5 Stars
    1
  • 4 Stars
    0
  • 3 Stars
    0
  • 2 Stars
    0
  • 1 Stars
    0

Story

  • 5 out of 5 stars
  • 5 Stars
    1
  • 4 Stars
    0
  • 3 Stars
    0
  • 2 Stars
    0
  • 1 Stars
    0
Sort by:
  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars

Who are you, Bonnie Hill?

Elliott Lerner is a conscientious law student working as a Summer associate for a small, friendly law firm and hoping they might keep him on part time once college recommences. The sister of one of the firm's clients dies intestate and the car dealer brother asks if the firm can sort out the estate: As the brother is the sole beneficiary, it should not be too difficult, especially as it didn't l
seem that she could leave too much for him to inherit, anyway. A nice little job for the student.
But as Elliott looks into the accidental death by carbon dioxide poisoning from a faulty heater, it becomes increasingly obvious that the divorced waitress was not all that she seemed and that the accident might possibly have been deliberate, even part of something much bigger...

Well written, in the first person, the character of Elliott himself is nicely developed and grows as the story unfolds. From the earliest pages, the story proceeds in an inviting 'get to know him' fashion, talking to the readers and including them in Elliott's thinking whether this be about his ongoing long distance romance with his mostly absent girlfriend or his new friends and attraction to the people he meets, as well as the guilt he feels if anything goes wrong. The mystery, is intriguing at first, also, although, for this reader, it was flawed by the author's attempt at over-complication towards the latter part of the book.
Key to the audiobook is, of course, the narrator and Kyle Tait is superb. His very warm easy reading glides through the text with good pace and pleasant timbre, becoming that of the student, Elliott Lerner himself. Every character is also given a distinctive and individual voice, and even the English accented protagonists are usually reasonably attempted. This narration certainly raised the enjoyment of the novel by several points for this particular reader.

I have to thank the rights holder of Death Benefit for freely gifting me with a complimentary copy, at my request, via Audiobook Boom. It was clearly presented, easy on the ear, an enjoyable mystery with a lead protagonist of whom I hope we will hear more. An enjoyable listen.

Sort by:
  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
  • shelley
  • 30-06-18

Hope this is going to be a series...

DEATH BENEFIT is the first book in what I hope will become a series. This story is about Elliot Lerner, a law student working as an associate for a small law firm.
The publisher's summary probably gives too much information and if I give any more you wouldn't need to get the book!
This is very well written and the characters and scenes can be pictured easily. Especially Elliot's Jewish mother, with her Brooklyn accent and typical motherly guilt (and pride).
Mostly believable characters, very plausible plot and definitely RECOMMENDED.
Kyle Tait does an excellent job narrating.
If you found this review helpful please indicate so.
Thank You.

13 of 13 people found this review helpful

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
  • Wayne
  • 02-07-18

Extraordinary creative plot! RECOMMENDED!

DEATH BENEFIT is an fascinating and unusual murder mystery. It is also Book 1 what is to be Elliot Lerner series. The publisher's is excellent at setting up the story. Kyle Tait is a new narrator to me; he is excellent. Yet again I thank Audible listener Shelley of Raleigh NC for her review which alerted me to another novel I likely would not have found.

8 of 8 people found this review helpful

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
  • mandy
  • 09-01-18

Excellent!

Fantastic, well-written story with great narration! Highly recommend!


I was given this free review copy audiobook at my request and have voluntarily left this review. The fact that I was gifted this book had no influence over my opinion of it

3 of 3 people found this review helpful

  • Overall
    4 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    4 out of 5 stars
  • Amazon Customer
  • 07-01-18

Excellent story.

Not sure if this story was one of those often labeled as 'ripped from the headlines' or not, but I certainly wouldn't be shocked if it was. The idea behind the story feels completely believable, and I could totally picture this happening (if it hasn't already). For me, much of the book had kind of a Grisham The Firm feel to it. And I definitely mean that as a compliment as I loved that book. The story is loaded with twists and turns, and just when you think you know everything, something else pops up to add a new wrinkle. My only real issue with the book is that I felt the main character should have been in more danger. Given the circumstances of the story, with everything that Elliot was digging into, I kind of felt he should have been in danger. It just felt as if he was somewhat removed from the events, like he was watching it all from the behind safety glass. That really is my only complaint. Excellent characters and a compelling story. I'll definitely be looking forward to the next Elliot Lerner adventure.

Kyle Tait does a fantastic job narrating this one, and I find myself enjoying him more with each performance I hear.

I received a copy of this audio title for free in exchange for an unbiased review.

2 of 2 people found this review helpful

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
  • Dominique
  • 25-01-18

A great insurance thriller

I know, I know -- Insurance and Thriller are not usually two words that go hand in hand. But in this case, they really do! This well-crafted novel is so interesting in that it pulls you from the get-go and never really lets you go.

A couple of times, when I was certain I knew what was happened, I was chagrined to learn that I was wrong, and it wasn't what I thought at all! Then I though someone was the bad guy, and he turned out to be okay! I love books that keep me guessing. The book explains just enough about how things work so that it's understandable, but not so much that you eyes glaze over, to grab a line from the book.

Narrator Kyle Tait did a great job of reading. I especially like how he portrayed the hero's Jewish Mother. He's great with the voices and emotes at just the right level as needed for each scene.

I recommend this book highly. Although I was provided with a copy of this book in exchange for an honest review, I would gladly pay for a copy of another book by this same author and narrator. Both have hooked me and made me instant fans.

1 of 1 people found this review helpful

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
  • pixledust
  • 24-01-18

Excellent Murder Mystery!

What made the experience of listening to Death Benefit the most enjoyable?

The combination of the original plot, well-written characters, and a great narrator all make this book enjoyable. It seems at first like a legal thriller, but no time is spent in court. It is more of a detective murder mystery except that the detective is a lawyer who has good reason to be investigating and no experience doing so. This really adds to the intrigue because the listener is along for the ride as Elliot solves the case.

There are plenty of plausible suspects and at first the listener (like Elliot) is unaware of the full demensions of the murder mystery. It is not until half-way through the book that all the murders are revealed. Then it is up to Elliot to figure out how they are connected and who the culprit is.

Who was your favorite character and why?

Mrs. Whitmore. She is prim, proper and alway polite, yet razor sharp. She is instantly likeable. The development of this character throughout the book is brillant.

Have you listened to any of Kyle Tait’s other performances before? How does this one compare?

No, this is a new narrator for me. He did an excellent job performing each character very well. After the first chapter, you do not notice that the narrator is even there. He is that good.

Did you have an extreme reaction to this book? Did it make you laugh or cry?

It kept me in suspense the whole time I was listening. The author is very good at creating and sustaining intrigue and suspense. This is a great book and relatively clean.

Any additional comments?

I recieved this book for free from the author, narrator, or publisher in exchange for an honest review. This is a great book.

1 of 1 people found this review helpful

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
  • Dee
  • 22-01-18

What a great and unusual listen!

Who knew that a book about lawyers and life insurance could be so good!! I loved every minute of this listen!

Elliot is a great character. He's unassuming; just your basic guy doing basic things. His work ethic and due diligence opened up a can of worms but Elliot stayed the course.

This was more mystery than thriller and as the layers were pulled away, the whodunnit was a huge surprise.

The narration was well done and since most of the story took place in Elliott's head, that's a plus.

I'm not sure if there is a book two but if so, count me in.

1 of 1 people found this review helpful

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
  • Barry C Bryant
  • 01-02-18

Quite the enjoyable whodunit

Interesting listen that kept me thinking about who was the bad guy.

"I was given this free review copy audiobook at my request and have voluntarily left this review."

  • Overall
    3 out of 5 stars
  • Performance
    3 out of 5 stars
  • Story
    3 out of 5 stars
  • Rhonda
  • 17-01-18

It kept my interest

Overall, this was a book that kept my interest enough to want to finish. I think I would have enjoyed it more if it didn't involve a legal firm so much and instead was just an investigator trying to figure things out. For me, it would have been more believable. I was voluntarily provided this free review copy audiobook by the author, narrator, or publisher.

1 of 2 people found this review helpful

  • Overall
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Story
    5 out of 5 stars
  • Susan Patterson
  • 15-01-18

Twists and turns to the very end!

Well-written, lots of suspects, holds your attention throughout!

Kyle Tait did a great job narrating. Knew his characters well and brought them to life.

I was given a free review copy of this audiobook at my request and have voluntarily left this review.