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Come on now. A $30 million dollar life insurance policy? It simply doesn’t exist anywhere, and if it did, what would the premiums be, like $10,000 a month? It’s not mathematically practical to write a $30 million dollar policy in case of death. For it to work the premiums would have to be enormous and if you had the money to pay those premiums, you wouldn’t need a life insurance policy to begin with!

PRIVATE AND CONFIDENTIAL.

My name is Mr. John Chan; I am the Senior Claim Adjuster for
our Insurance Company.

During our last primary audit in 2008, I found out in my department
that one of our clients who insured his properties and life was dead
for about two years that was in 2008. Since then, nobody has comes
forward to claim his insurance premium which amounted to
Thirty Million Dollars ($30,000,000.00).

Therefore, I am seeking for a reliable and trustworthy person
that can act as the deceased next of kin to make claim for this
above stated premium. Note that I shall provide all necessary
assistance to make sure this premium is being paid out to you.
All documents regarding this claim will be forwarded to the
Bank for presentation and approval. If this goes well with you,
we shall disburse the funds in accordance to an agreed percentage 50/50%.
Note that this is absolutely confidential and upon your response,
I shall explain explicitly to you for more understanding. 

Please Endeavour to contact me through my private email indicating
your interest in this business proposition.
Private email:  john_chan0011@yahoo.com.hk

Yours truly,
John Chan