Honestly, that's what I thought, but reading through the AMEX policy, it's slightly fuzzy. (See HateSociopaths post 628 points A and B.)
At the end of 'A' it says "or other unavoidable reason".... and I think going snorkling alone (non populated area) after
imbibing on some unknown concoction in GG's car (and you can be sure the insurance company will avail themselve of THAT videotape/those photos)... would be considered AVOIDABLE.
On top of that, there's the Slayer Rule:
Slayer rule - Wikipedia, the free encyclopedia
The Slayer Rule says:
While convicting someone of the crime of murder requires proof beyond a reasonable doubt, the slayer rule applies to civil law, not criminal law, so it is only necessary to prove the wrongful killing by a preponderance of the evidence, as in a wrongful death claim. This means that even a slayer who is acquitted of the murder in criminal court can still be divested of the inheritance by the civil court administering the estate.
So even if he didn't forge these insurance documents, between the evidence and restaurant witnesses to the pre 'snorkling' drinking of unknown substance from the car (and did GG actually admit she took sleeping pills?), the Slayer Rule.... If ALE think he's responsible for her disappearance, you can bet your bippy so does AMEX.
I have to agree with HatesSociopaths line of thinking.
I think he was planning something else but jumped the gun so to speak in a fit of jealous anger. I don't mean to be crude, but I'm thinking he'd enjoy as much sex (with pictures!) with her as possible before accomplishing his real reason for being there ... and they still had a few days of vacation left, I believe.
And again, for those who say "He had to know this and he'd be smarter that that..." All sorts of evidence to the contrary if you review his past legal mishaps and lawsuits ... and mix into that a person who is reported to go into fits of anger/rage .... people like that aren't really thinking, "Oooooh, this might nullify the policy, better not leave fingerprints/break any bones, don't let her scratch me, and I wonder what her tox screen will look like..." when they're choking the life outta someone in a fit of rage..