Thanks for the additional information.
The absence of a motive makes it very hard to get a conviction. Therefore, the existence of one must make getting a conviction easier. Monetary gain is certainly a possible motive for a murder. But, there is the possibility of monetary gain in many accidental deaths in which the one who stands to gain is a participant.
The information you added can certainly be used to paint an ugly picture for Gabe. However, each element could be just an unfortunate coincidence.
I do not think that it is relevant that Tina did not change the beneficiary on her insurance. Had she actually done so, that would not reduce the possibility Gabe killed her for the money. So, the fact she did not do so does not increase the possibility–unless the theory is that he killed her in anger over the fact she did not change it.
The claim to the travel insurance company does not impress me a bit. If you had travel insurance and your honeymoon was cut short by your new spouse's death in a scuba accident, you would be entitled to payment. So the question is would you seek payment or forego it? Would you consider that if you sought payment, an aggressive prosecutor would suggest that it shows you committed murder for the insurance money? Would you consider that if you did not seek payment, that same prosecutor would suggest that you passed on the money in recognition of your guilt? What would you do?
In terms of Gabe dropping the lawsuit against the travel insurance company, there are plenty of reasons he might do so, apart from his being guilty. Consider that in a civil suit, a plaintiff is obligated to testify. Consider that if I can get enough testimony, even if perfectly truthful and innocent, I stand a good chance of making the person look bad. I may find innocent variances between the testimony and what other people say to let me at least suggest to the jury that the witness has lied. I may find innocent errors that let me make the same argument. I may be able to point to things that the person knew that I can argue he or she should not have known unless he or she was the perpetrator. (The person would be able to testify that he or she learned the things from me, but it still becomes a "liars contest" which he or she could lose.) The general rule is WHEN THE AUTHORITIES ARE EVEN LOOKING IN YOUR DIRECTION, EXERCISE YOUR RIGHT TO REMAIN SILENT. (Remember the bit about "Anything you say can be used against you"?)
Since Gabe was looking at being prosecuted for murder, he may have concluded that the risk of having something he said in the civil suit come back to haunt him outweighed the value of what he might get from the insurer.
Do not get me wrong. From what I've read and heard, it think it is more likely than not that Gabe either killed Tina or intentionally let her die. I do not, however, know if it is to a reasonable certainty.
* * * * *
NOW: Let's try a test. Remember where, earlier in this post I asked: "So the question is would you seek payment or forego it?" What was your answer?
If your answer was that you would seek payment read this paragraph; if not skip it. ... "Ladies and gentlemen of the jury, you heard testimony that K_girl would have sought payment from the travel insurance company. I submit that a truly bereaved spouse, would not have sought payment and that only one who committed murder would have done so. I submit that K_girl did it."
If your answer was that you would forego payment read this paragraph; if not skip it. ... ""Ladies and gentlemen of the jury, you heard testimony that K_girl would have passed on payment from the travel insurance company. I submit that only one with a guilty conscience would have done so. I submit that K_girl did it."
Now, go back and read both of the last two paragraphs. True, it is a bit thin, but there is a risk that a jury will buy it. (Please not point out that there is conduct distinct from the testimony as this was just for the sake of example and done on the spur of the moment.)
Respectfully,
Bruce