-Caveat Lector-

Investors Said Taken for $115M

By KAREN TESTA
.c The Associated Press

WEST PALM BEACH, Fla. (AP) - Investment companies that promised lucrative
life insurance policies swindled hundreds of people out of $115 million that
was spent on lavish lifestyles, according to a federal indictment unsealed
Friday.

Just $6 million of the $115 million give to the companies was used to buy
legitimate policies, court records show. Much of the rest was spent on two
dozen homes, 34 cars and two helicopters, the indictment alleged.

Frederick Brandau, 54, of Davie; an in-house attorney; a nurse and two of
Brandau's companies - Financial Federated Title & Trust Inc. and Asset
Security Corp. - were charged with 44 counts of wire and mail fraud, money
laundering and conspiracy.

The indictment, returned Aug. 13, was unsealed hours after federal agents
arrested Brandau at Miami International Airport following his failed attempt
to enter Bogota, Colombia, according to the FBI.

``For two years, the defendants preyed upon investors who were naive,
unsophisticated and in many instances senior citizens who'd invested their
life savings,'' FBI agent Alan Sadowski said.

Federal prosecutors planned to write letters to between 5,000 to 6,000
investors who are potential victims of the alleged scheme, which ran from
1996 to August of this year. Many of them may not know they've lost money
because they didn't expect to see a return for three years.

The investors were told their funds would be used to buy discounted life
insurance policies of the terminally ill. In what is known as a viatical
settlement, the investor would receive the full value of the policy upon the
patient's death.

Brandau's lawyer, Thomas Sclafani, did not immediately return a call for
comment Friday. However, he's earlier said his client was not running a scam.

Federal agents already have begun seizing the homes, automobiles and other
items they claim were purchased with funds from investors nationwide.

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