David Atkinson - The Second Life of Nathan Jones

‘Mum, why did you have me?’ he’d asked her once.

‘I don’t know, Nathan.’

‘What do you mean you don’t know?’

‘Well, you weren’t exactly planned, let me put it like that.’

‘So, I’m an accident?’

‘Kind of. Once I found out, though, I decided to keep you. Auntie Caroline had hung on longer than anyone expected so I thought you might be a welcome diversion, something to help pass the time.’

The only family trips they ever made were to the house in France. Even then, he only got to go during the summer holidays, which he suspected had more to do with the fact it was cheaper to hire a childminder in Brittany, where they had their cottage, than to pay for one in London. His babysitters in France were more colourful than the middle-class young girls they employed in London.

One evening, just after his ninth birthday, his parents engaged Monsieur Masson to look after him while they went to a party. As soon as they were gone Monsieur Masson’s mistress arrived and they left Nathan to his own devices while they made full use of his parents’ huge four-poster.

By the time his parents returned home Nathan had managed to shave his eyebrows off, using his dad’s razor and shaving foam. During the process, he’d nicked the skin above his eyes in numerous places, leaving his face a mask of blood. It made him resemble some demonic child from a cheap horror flick. He then attempted to make a meal by smashing eggs into a large stainless-steel bowl, adding a liberal portion of tomato sauce and grated cheese before putting the whole lot uncovered into the microwave. The resulting multicoloured explosion took weeks to scrub clean. Monsieur Masson didn’t get asked back.

A few days after his fifteenth birthday his father, aged only fifty-six, died of a heart attack. Perhaps the hedonistic lifestyle he and his mother had undertaken could be blamed, or perhaps it could be put down to faulty genes. In any event, the loss of his father curtailed his mother’s excesses for a while and Nathan started attending the local comprehensive in south London as there was no sense in needlessly wasting money on private education any longer than necessary, according to his mother.

Despite the disruption he found that he enjoyed the local school much more and, although his mum could never be described as ‘doting’, at least she took an interest in him for a while.

Laura’s upbringing was in stark contrast to his. She came from a poor background in Fife, growing up in a cramped flat. The glamour of being associated with someone from his background, despite it being completely dysfunctional, might have been intoxicating for her. Nathan admitted it was possible he played the ‘posh’ card a little too much with Laura in the beginning, but as she had been so exceptionally gorgeous he’d felt he needed every advantage he could get.

His wife now worked for a venture capital firm. She’d started as an administrative assistant but, after taking dozens of exams to ‘better herself and her chances’ (her description), she’d progressed to operations manager – a remarkable achievement given she’d had three children along the way. She still wasn’t satisfied with that, though, and continually moaned about how much more she could earn if she moved back to London. Nathan had grown up in the capital and had no wish to return, yet another thorn in their relationship.

The postman noisily shoving something through the letterbox pulled him from his thoughts, and he padded down the hall to retrieve the mail.

There were four items; the first two were a bank statement, which wouldn’t make good reading – he left that to one side – and a small catalogue for children’s books, which had Laura’s name on it. He placed that on top of the bank statement. The last two envelopes intrigued him. They were of the white windowed variety and, although both were addressed to Laura, he could see underneath the window on one of them and noticed his name and a policy number. On the back, the name and address of the sender: The Corporate Mutual Insurance Company.

Nathan opened it and read the script:

Dear Mrs Jones

Mr Nathan Jones – Policy Number CM2345GY98

We were sorry to hear about the recent death of your husband. As discussed with you in our telephone conversation on 23 November please find enclosed the requested information. We apologise for the delay in forwarding this to you but due to an issue with our systems we had not realised this request had not yet been actioned. We apologise for any distress or inconvenience this may have caused you.

Enclosed is the relevant claim form for completion to enable us to consider the claim under this policy.

Please note, in order to be able to pay the proceeds, under policy number CM2345GY98 we will need sight of the original death certificate and for this reason we recommend you return the completed form together with the death certificate by recorded delivery to ensure no delay is caused by lost documentation.

Our thoughts are with you at this difficult time, and if you need to speak to us directly, please call our confidential customer helpline on 0804 345 6788. The phone line is staffed between the hours of 8.30 a.m. until 5.30 p.m., Monday to Friday.

We trust that you will find this to be in order.

Yours sincerely

Mr K Stanton

Senior Claims Executive

Encs.

Relevant Claim Form

Nathan sat down on the couch, stunned. The morning he had been found alive by the mortuary girl his wife had been on the phone to the insurance company chasing money. No wonder she’d been so ‘shocked’ to find him still living. He knew his wife could occasionally be, well, if he was honest always, ‘money orientated’, but his body had hardly been cold and the first thing she’d decided to do was cash in on his death. Nathan had two life insurance policies, the one referred to in the letter and another joint one with Laura that covered the mortgage. He’d no doubt that she’d been on the phone chasing that one as well. What a cold-hearted bitch.

He decided to open the other envelope, fully expecting it to be from the other insurance company, but this one turned out to be even more bizarre as it contained his death certificate. As he sat staring at it he suddenly shuddered, as if someone had just walked across his grave. He then comforted himself with the thought that not many people got to read their own death certificate.

*

He decided to wait until all the girls were asleep that evening before confronting his wife. She’d poured herself a large glass of Shiraz and slumped down onto the couch to watch TV. Nathan sat opposite in an armchair and watched her, wondering if she really could be as hard-hearted as her actions appeared to suggest.

It was clear Laura could feel his eyes on her. ‘What is it, Nathan? Why are you staring at me?’

‘I opened some letters today.’

Laura sipped her wine and smiled. ‘That’s nice; highlight of your day, was it?’

He nodded. ‘In a way, yeah. The first letter came from The Corporate Mutual Insurance Company.’

He watched the colour drain from her face. ‘Nathan, I can explain.’

‘Go on, then.’

‘Err, well, I had concerns that they’d cancel the policies before I could register a claim – you know what these insurance companies are like, they’ll try and weasel out of paying any way they can.’ Laura smiled, obviously happy with her quick thinking.

‘Why would they cancel the policies, Laura? They were up to date and as far as they were concerned I’d been killed legitimately, so why would there be any issues?’

‘Well …’ Laura paused and chewed on her bottom lip. ‘Yeah, but the premiums came out of your bank account and with you dead all your accounts would have been frozen. The bank wouldn’t have paid so I wanted to make sure I got the claim in before they could cancel due to non-payment of premiums.’