Harold's POVThe first time I heard my parents discuss my death was on a Wednesday night.The study door wasn't shut properly, and I overheard the conversation inside as I was walking past with my pill bottle.My mom, Miranda Ruffo, sounded very calm, as if she were discussing a financial investment. "The insurance company confirmed it. Harry's life insurance pays out 750,000 dollars. If he dies, we're the beneficiaries."My dad, Shaun Irwin, flipped through some documents. "750,000 dollars? We only paid 12,000 dollars in premiums when we bought the policy. That's a pretty good return."Mom nodded. "And if he dies from an illness, there's no waiting period. The payout will be immediate. I've already had our lawyer confirm it.""Then let's skip the surgery," Dad said, putting down his pen. "The surgery costs 450,000 dollars, and there's only a 60 percent success rate. We'd be better off saving the money, waiting for the insurance payout, then walking away with a clean 750,000 doll
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