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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puasa... puasaurusrex

We each have a life insurance policy. If something should happen to our children, it will be difficult enough without having to worry about how to pay for everything. Although it's something no parent WANTS to think about, I think it's silly not to have a plan for them. Just like it's silly not to have a will for yourself with custody arrangments. As parents, it's something we need to think about.

kkey75 kkey75

I have a $10,000 policy on my dd to pay for a funeral should something happen. And it is vey inexpensive through my employer. I think is is 80 cents a paycheck.

Sharlyn Salazar-Remrey

That may be jumping the gun a bit.  I admit it raises more suspicions in my mind than what I already had, but people do take life insurance out on children.  And it's not that rare, they do it all of the time, it's good to start when they are young, and let the policy build over a lifetime.  That has great benefits for a child to grow up with.   But!   Was that his plan, to plan for his child's future or to plan for his own future?  That is the real question.   Sure  a child doesn't have income so they aren't supplimenting for a lost source of revenue, but the last time I checked it does still cost money for a child's burial, funeral, memorial, etc.  Its not free, it's extremely expensive.   It's morbid, but  its something that parents honestly need to think about.

froggy80 froggy80

What kind of policy? My Aunt got those Gerber Life Grow-Up plans on both her kids when they were infants. Thankfully she did have it when Billy drowned a month before his 18th birthday because it paid for the funeral.

Mary Youngblood

I think it's fishy that he took a life insurance policy on his daughter. It's definitely a red flag that he might have had her kidnapped, or worse, killed, for the insurance money.

Erin Sites Golden

Sorry Lorefield, but whether he had sole custody, joint or shared he had responsibility for her from the day she was born. Maybe it was something he just thought of but along with everything else this is looking bad. Hiis timing sucks! Don't get me wrong, I have life insurance on my kids through work- enough to cover funeral and burial costs. It is a good thing to have.

Craft... CraftyJenna

I have life insurance on my daughter, if God forbid something were to happen to her I could not have a funeral without it. Also, it locks in her baby rate for life insurance, instead of having to pay adult rates like I do. I also know plenty of people who do the Gerber-grow up plans, which also work as college savings and you can cash out at 18. I don't see anything wrong with insurance in and of itself, and I think not having any is kind of like gambling.

nonmember avatar Deirdre

I also agree with life insurance policies on children being pretty common. It can cover funerals etc. so you're not having to worry about things like that should something happen and you are mourning.

That in and of itself isn't suspicious. The fact that she disappeared shortly after is.

Crystal Rider

I have a policy on all 3 of my kids. They are 5, 3, & 18 mths. I dont think its weird at all. If something shall ever happen to one of my children I want to be able to provide a proper funeral.

nonmember avatar Rhonda

All 3 of my children have $20,000 life insurance policy's out on them. God forbid I ever need them. But if the worst did happen I wouldn't be able to give them the service they deserved any other way. God bless this family I know this has got to be the most painful thing ever. Especially not knowing.

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