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Olga Rutterschmidt, 73, and Helen Golay, 75, took out 19 life insurance policies on the two victims and tried to take out more, according to an affidavit filed in federal court. They offered to help the men get off the streets in exchange for the men signing a life insurance policy. Then the women had rubber stamps made from the signatures and used the stamps to acquire more insurance, court records show.

Police believe the women kept up the rent on the men's apartments for two years after their policies were signed and then ran them down to collect the money. California law allows an insurance company to contest a new policy for two years, Vernon said.

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