     ACCORDING TO INITIAL POLICE INVESTIGATION: THE DECEASED WAS EMPLOYED AS AN INSURANCE INVESTIGATOR FOR "DUCKMAN, SPADER AND TAYLOR". HE WAS RECENTLY IN ECUADOR ON A BUSINESS TRIP FROM WHICH HE RETURNED ON DECEMBER 18, 1996. ACCORDING TO HIS BROTHER-IN-LAW, THE  DECEASED HAD BEEN CONCERNED THAT SOMETHING MAY HAPPEN TO HIM WHILE ON HIS TRIP TO ECUADOR.
     DECEMBER 19, 1996 UPON HIS ARRIVAL FROM ECUADOR, THE  DECEASED WIFE STATED HE HAD BEEN VOMITING ALL NIGHT AND WITH DIARRHEA. FOUR HOURS LATER, HE TOOK A GULP OF AIR AND BECAME UNRESPONSIVE. FIRE-RESCUE RESPONDED AND FOUND HIM WITH NO VITAL SIGNS AND AGONAL BREATHING, MONITOR SHOWING ASYSTOLE. C.P.R. WAS INITIATED AND HE WAS TRANSPORTED TO COLUMBIA AVENTURA HOSPITAL AND MEDICAL CENTER.
     UPON HIS ARRIVAL INTO THE EMERGENCY ROOM AT 6:59 A.M., HE REMAINED UNRESPONSIVE WITH NO VITAL SIGNS AND STILL IN ASYSTOLE. C.P.R. WAS CONTINUED HOWEVER, TO NO AVAIL AND HE WAS PRONOUNCED AT 7:16 A.M..

                                          *****CASE REFILED FEBRUARY 26, 1997(NLJ)*****