Missing Child Ayla Reynolds’ Life Insurance Policy Is Too Strange to Ignore

This Just In 46

Ayla ReynoldsAnother day, another chilling revelation in the case of missing child Ayla Reynolds. Two months after the then 20-month-old toddler disappeared from her crib in her Waterville, Maine home, her mother, Trista Reynolds, is telling the media that the girl's father, Justin DiPietro, took out a life insurance policy on the child. It's looking like any benefit of the doubt people were willing to give the man who was the last person to see his daughter alive is about to go out the window.

I hate to jump to conclusions here, but I just don't see how DiPietro is going to explain this one away. Especially when you look at the timing.

According to Reynolds, the policy was taken out just a week after DiPietro took custody of the little girl while her mom entered rehab. That was in October, when the Maine Department of Health and Human Services placed the child in her father's care. Two months later -- just as Trista was applying for full custody -- the girl was gone. As Reynolds says on the site she maintains for information about her daughter:

Now, why did he take out that life insurance policy? I'm still trying to figure that one out myself. Because who takes a life insurance policy out on their own child.

Life insurance on kids in and of itself isn't completely crazy. There are people who buy these policies. It's significantly less costly to apply when a person is young and in the prime of health. Not to mention some people use these policies as a means to save for a kid's future. So maybe DiPietro has a reasonable explanation.

But then again ... is reason really possible here?

When you consider this type of insurance is supposed to offset a loss of income, and kids don't actually have an income, it's a little silly. Ask a financial advisor about life insurance policies on little kids, and they're likely to tell you to invest in a college savings plan instead. No wonder less than 15 percent of Americans under age 18 have a life insurance policy.

No one can determine guilt here other than the police. But knowing that Justin DiPietro was the last person to see Ayla Reynolds before she went missing, and knowing he took out a life insurance policy on the toddler, it's hard not to jump to conclusions.

Do you have life insurance on your kids?


Image via National Center for Missing & Exploited Children

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Elizabeth Gronewald

It is smart to have a life insurance policy for your child. It is atrocious timing, though, for this particular circumstance. Hopefully the truth will be found and justice for this child served.

power... powermom2four

I have policies on all my kids. They are small policies, but were very inexpensive and would cover funeral expenses. Of course, I bought them with the intention of never using them, but to give them to the kids later. I'm not sure the intention was the same for little Ayla.

cheeres cheeres

I have life insurance on all 3 of my kids offered through work. It would pay for their funeral of anything ever happened to them and for lost income since I would probably be so devasted that it would be difficult to work,

KCorn... KCornett04

My work offers child life insurance with my life insurance. It only costs about 1.20 a month for her to have 10,000 in coverage. Though I hate to think of it, it is wise. What if she dies in an accident? I make min wage so the funeral costs would be a lot for me to handle. I want to be prepared for anything. 

Nicole Gonzales Overn

We do but it wasn't something that we planned to have or even did intentionally. DH is in the military so they automatically provide SGLI for family members. It's a fraction of his policy but it's still there just in case. We pay around $5/month for DD and myself to have this benefit. 

Mama2... Mama2MonkeyBoys

We have policies for myself, DH, and both our boys. I sure hope nobody calls that a motive if (God forbid) anything should happen to any of us.

I'm not saying he isn't guilty - the timing is obviously suspect. However, don't assume life insurance = foul play.

coffe... coffeeluva

Considering that Ayla had a broken are with delayed medical care, Justin was a lowlife who had no job and lived in Mom's basement its kind of obvious that he really didnt care about her future or college education. He ran out and got an insurance policy after he took custody of her and Im sure he planned to use that money on himself. Also, all he does is defend himself while on tv interviews instead of pleading for the so called "kidnapper" to return Ayla. We should know he killed her because we have seen these stories before like Baby Lisa, Cayley Anthony, its the same story- coward parents that dont want to admit neglect or straight out murder.

count... countrygirl670

Same as everyone else.  I considered it "burial insurance".  Times like that, you know you just don't want to have to think about money at all.

EvaSa... EvaSamuel

We have policies on both our children.  I can think of nothing more stressful and debilitating than the loss of a child.  To have the ability to be financially stable during the depths of dispair that would no doubt come after the loss of a child would be of some comfort.  The timing of this Ayla Reynolds' policy, however, is very suspicious to say the least.

Loref... Lorefield

Sorry, try again! My daughter has had a $10K policy all her life. It can be carried over to adult insurance or cashed out for college. 

That he took the policy out when he got custody tells me that he was thinking about her future when she became his sole responsibility. The fact that in the same paragraph in which you acknowledge that these policies can be used for college, you turn around and call them insane and suspicious, tells me you are trying to generate drama for no actual reason.

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