an insurance agent and takes out approximately a $400,000 life insurance policy with a $300,000 accident rider. 17 days later the fatal accident happens. but detective clear learned the girls never got a dime. there was money spent on a whole multitude of things. home improvement. karl spent a lot of money on the duck business. there was some huge payouts on that. reporter: as he dug deeper, detective clear discovered that karl karlsen had collected on a number of insurance policies over the years. in 1986 karl s new dodge charger caught fire. karl collected $10,000. the fire that killed the horses and took down the barn paid out nearly $115,000. clear also learned that karlsen had taken out policies on levi s two little girls. karl had no idea he was being investigated, but cindy still wanted to get away from him. so she moved out of the house. after she did, karl sent her a