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says unless a beneficiary makes a claim. >> what we found is that companies have actual knowledge in their files that people have died yet they have neglected to initiate an investigation and pay the claim. >> life insurance companies are failing to pay out death benefits when they know the person is dead and they're claiming they don't know. >> in many cases, that h the, that has been exactly what we have found. >> reporter: when you found that, what, what went on inside you? >> my first instinct was of course, unleash the hound of hell let's go after them. and expose them. for the, for the unconscionable indefensible behavior that was going on. >> reporter: he says some of the policies are worth more than $1

as the a result. joseph got a payment of $5,000 from his sister's policy. >> i was the administrator of her estate when she died in june 1990. we didn't know anything about this at all. >> you are talking about millions of policies. hundreds of thousands of policies we're dooealing with i florida. >> reporter: jeff atwater, chief financial officer in florida i insurance agency. >> you can assume from what we have found, policies that should have been paid out in 60s, 70s, 80s, 90s were never paid. >> you are saying it is part of their plan. >> after all we looked at, hard to imagine. not a small dollar amount. billions of dollars that stay in the investment cuts of these insurance companies, rather than return money to the families. >> till us some of the big names. >> it would be all the large

life, prudential. many have sat done and made right. >> reporter: no one disputes that insurers pay out on policies when the beneficiary files a proper claim. but, says kevin mccarty of florida, many of the companies routinely and deliberately disregarded evidence in their own files that the policy hoeders had died. unless someone filed a claim, he says, the companies would chance m tchance the death benefit. >> life policy in florida january, 2002. insurer died in april. 2008. we actually have in the insurance scum pcompany's file, copy, a scan copy of the death certificate. and the accompanying envelope which displayed the spouse's return address. >> with the spouse's address on it. >> right here. >> let me see.

nonpayment. >> industry lobbyists like this one at recent hearing in florida. argue that the burden falls on the ben fish ears. >> if you sign the contract. you are abli gate obligated to is in it. >> skawe companies argue that t have to make the claim and show up with the copy or policy itself. >> yeah. >> if they didn't do that >> the florida law says something too. you have to look ate, not in just in terms of the contact. but your responsibilities under the florida insurance code. i am here to say that you have a responsibility to investigate a claim if you know some one has died. and if you have a letter that says you are deceased you have knowledge that the person has died. >> reporter: insurance scum pans are regulated separately by each state.

books across the country. state regulators first got wind of the insurance industry practice from jim hartley and jeff drubner run a technology auditing company, veris financial. based on an insider tip in 2006. employing techniques he used as an fbi agent combed through insurance company data and discovered that the insurers were routine leap using the social security death master file updated list of people who have died in the united states. >> what was the significance to you that they were using the death master file for something. >> i knew at that point that they knew. they know who they insured. if they have a list of everybody that passed away. i knew that they new. >> so what was the next step? >> the next step was speak to the states. there wasn't one treasurer,

this, this shouldn't be allowed to thap pehappen. >> drubner went on to discover. most insurance companies use the death master file when it was to their advantage. to cut off annuity or retirement payments once the policyholder died. but they didn't then notify the life insurance side of the company. >> we have actual cases, leslie, where a policy holder had beth an annuity and a life policy. they term nateterm -- terminate annuity. and claimed over here they didn't know he was dead. >> when we went in and looked in the memos. the right side told the left side. >> you saw it in the audits. >> we saw it in the audits. >> reporter: something else they saw related to whole life insurance approximately seize. that in addition to a death benefit. build up a cash nest egg like

forward, the company continued to pay themselves premiums out of the dead person's nest egg. in this $20,000 policy. the nest egg was drained down more than $9,000 to 0. after the person had died. california controller betty yee says that kind of siphoning off was widespread in cases where beneficiaries did not come forward. >> how can you not be outraged the cases, there was evidence of death in the file. >> is this the file you saw with the word deceased in large unmistakable letters? >> deceased with the date of death. >> still they didn't stop paying themselves? >> no. no. you would have thought with that kind of indication the next step would be to confirm that, by looking up a death master file.

with famt lythe family member. >> they didn't. when the cash was used up. the cup paeompanies cancel the . under the law they're allowed to use, paying premiums using accumulated cash while alive. mccarty says the law was intended as a way to protect consumers. >> for instance if you have a life policy, and you lose your job and you can't make your premium payment. they will take some cash built up in the policy and pay the premium. great for consumer protection. >> reporter: in this situation, after they die. >> i think it is tantamount to stealing when you know, and you know in your books and records the person its dead. and you drain the policy. >> now if you think about that. if you would have explained that, frying to sell that policy. >> at the beginning. >> sitting in your kitchen and saying, you know you have got all of these symbols of security

your family. and their grief. but nay say, by the way, if you stick that policy in a sthu box and stick it in your closet. not only are we not going to look for you. we are going to take all the cash value in it. >> give it back to the company. and leave your beneficiary with nothing. here, sign here. >> to watch the full report. go to cbs news.com. and click on 60 minutes.

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u.s. olympic swimmer an anthonyer earvin is completing a come back. >> anthony earvin was so determined to finish strong friday night in the 50 meter race. when he touched the wall >> turned around and saw the one next to my name. smiled, laughed. and knew my brother and friend were in. i let loose a roar. hopefully they could hear. record keepers heard it too. with this gold and the one he shared for last week's 4 x 100 meter relay, earvin ties the record the olympic athlete with the longest gap between medals.

in 2000. when at 19 years old, he tied for gold in the same race he won on friday. >> at 19 it was such a flurry of -- new experiences. >> so daunting that not long after he walked away from the pool for almost a decade. he battled depression. struggled with his identity. even attempted suicide. he also sold his gold medal. but now he has the got two new one to take its place. >> going to keep these gold medal sntz. >> of course i want to try them on. >> try them on. >> this isn't about me. it is about you. >> it is about. >> these are heavy, man. >> it is about you too now. >> earvin is planning to use his success to help others not himself. >> it is comforting to know, whatever way, misguided or not it can give inspiration to others. >> inspiring others led him to write "chasing water" it looks

>> the new chapter not in the book. what do the you want meem peopl learn from you now? >> i don't know. give me a few years to write about it. despite talk abut his age he is not giving up the pool look last gold medal. >> you are not going to retire? >> no. >> you are 35. >> yeah. how old are you? going to retire next year? everybody wants to resist aging. why? you don't need to resist aging. there is dignity in it's -- it's a good thing. right? >> earvin isn't ruling out a sprint for gold in tokyo in 2020. one thing that would be new if he does compete there, fatherhood. he revealed after his win over the weekend, that he is the father to a newborn baby girl. but he hasn't been able to meet her yet because she was born during the olympic trials. >> that's the "cbs overnight news" for this tuesday morning. for some of you the news continues. for others check back with us

cbs this morning. from the broadcast center in new york city. nature at its worst. thousands are forced from their homes by floods in the deep south. and fire in the far west. >> all of our neighbors, look at what they have to come home to. it's horrible. absolutely horrible. >> also tonight -- trump does an about-face. >> we will also work closely with nato on this new mission. >> a mission to defeat isis. >> a new study find many parents are risking their infants' lives by putting them to sleep the wrong way. dr. jon lapook will show us the right way. and the fastest man on earth sends fellow jamaicans into space.

>> announcer: this is the "cbs overnight news." the floodwaters in louisiana have started to recede but the death toll is rising. and the danger is far from over. the flooding is blamed for at least six deaths, more than 20,000 people have been rescued so far. and more than 2,000 homes have been damaged. this was one of the more dramatic rescues. as the water swallowed this car, the driver scrd drowning." and david fong jumped in. >> get my dog. get my dog. >> she's gone. >> no, she better not be. >> i got your dog! >> oh. >> david fong came up with both

we have more on this disaster now from omar villafranca in baton rouge. >> reporter: from the air it is hard to find dry land in southeastern, louisiana, tangipahoa parish is covered in several feet of brown water. sergeant paul meeker took us on a search-and-rescue mission in the flood zone. >> a lot of people stay until po pulled more than 7,600 people from the floodwaters. at least four rivers stretching across southern louisiana reached record highs. the river rose to 17 feet above floodwater. dahlia walker says leaving was difficult. but she had no other choice. >> we woke up. and it was just -- unbelievable the water we had in the yard. and i really didn't want to leave my home. i really wanted to stay at home. but i couldn't put my life as

and her family were rescued before the water overtook their home. >> so glad y'all are doing this. are y'all firemen or something. >> no, ma'am. >> just good guys. >> i don't know. my wife might disagree with the statement. >> henri dufresne and jeremiah johnson rescued people. >> they are shocked, people are there to help them. everything they own is ruined. they're just feel like, somebody is there to help them. they just, you know you see a look of relief on their face, going ground. >> 500 red cross workers are on their way here to help residents. scott, this is the largest u.s. disaster response since hurricane sandy. >> omar villafranca, thanks. eric fisher, chief meteorologist at our station, wbz, eric, what's next? >> scott, seeing a subtle shift. the rainfall starting to move a little farther toward the west.

of mexico. so the focus for flooding rain will move a little bit. a ridge of high pressure off the eastern seaboard, steering the tropical moisture into central, southeastern texas pushing it into the midwest. we head through tonight and into the day tomorrow. this will be the corridor for he next chance of flood rainfall. several inches potentially. san angelo, and texas, of to detroit. same time, east of the rain, all about the seat. summer swelter is ongoing. 90s for the next couple days on the eastern seaboard. scott, d.c. hit 100 for a third day in the row today. just shy tomorrow. 97, hot enough during the brutal stretch. >> eric fisher, wbz. thank you. watching the weather tonight in california where a roaring wildfire, 90 miles north of san francisco, has reduced at least 175 homes and businesses to smoldering rubble. thousand have been evacuated.

for the clayton fire as the it tore through the small town of lower lake in less than an hour. sherri scarborough's home burned to the ground. >> this is all we have known our whole life. >> all of our neighbors. look what they have to come home to. it's horrible. absolutely horrible. >> reporter: the fire started on slow saturday afternoon. sunday it exploded, scorching nearly 40% of downtown area. threatened by the blaze. >> cal fire's daniel burlant. >> we weren't prepared. the wind were going to be as strong as they were. when hundred and hundreds of embers are raining down on home. if the homes aren't built with construction materials that will stand them. doesn't matter the number of firefighters you have. home are going to be destroyed. >> nothing is left of the warehouse. the fire took it all including a 1923 car and prized collectibles from lower lakes history. what do you do from here?

you know. when i think about everything that was in there. it any just shocking. this was a great building. and a great town. >> reporter: the wind picked up a little bit this afternoon. we are in the middle of a heat wave. which is why firefighters continue to monitor this area for hot spots. they tell me, scott they're continuing to look through the rubble searcor homeowners who have lost everything. >> more on stories tomorrow on "cbs this morning." mireya villarreal, thank you. the "cbs overnight news" will be

today, donald trump laid down the principles of his counterterrorism policy. he said that immigrants who don't believe in the u.s. constitution should be banned. major garrett covered the wide ranging speech in ohio. >> the rise of isis is the direct result of policy decisions made by president obama and secretary of state clinton. >> reporter: in a speech that offered no new tactical idea to combat said the battle cannot be won until the enemy that is radical islamic terrorism is named. >> we have a president that doesn't want to say the words anyone who cannot name our enemy is not fit to lead our country. >> trump also repeated this false claim.

war from the beginning. a major difference between me and my opponent. >> reporter: trump did not publicly express skepticism about the u.s. in vaegs until five months after it began. trump had tough word about u.s. troops leaving iraq end of 2011. >> they said we are moving out. here is our time. here is a date. who would do this but an incompetent president. trump's criticism left out the fact that president george w. bush negotiated and approved the timeline. on immigration, trump said regions with terrorism would lose privileges and the u.s. would apply ideological tests for admission. >> the time is overdue to develop a new screening test. for the threats we face today.

>> that include tests of applicants for "hostile attitudes." those who do not believe in our constitution or support bigotry and hatred will not be admitted for immigration into our country. >> trump also called for strategic alliance with russia to do battle against isis. scott, this overlooks moscow's support for the assad dictatorship in syria and the islamic regime in iran. >> major garrett with the trump campaign. thank you. >> trump stuck to his text a since last month's convention. hillary clinton whose lead is formidable, had a different view of counterterrorism today. here's nancy cordes. >> the secret he is has no plan. >> in scranton, pennsylvania, clinton argued, trump's terror proposals vary by the day.

major country in the middle east that could launch attacks against us and others. talked about sending ground troops, american ground troops. well that is off the table as far as i am concerned. unlike trump, clinton wants to increase the number of syrian refugees the u.s. lets in from 10,000 to 65,000. she says the vetting process is already extensive. and she argues she will work better with moderate muslims who >> he can't be trusted. >> vice president biden had a score to settle after trump called president obama the founder of isis. >> let me tell you why it is a dangerous statement. why, as he might say, the bad guys are listening. biden pointed out that the leader of the terror group hezbollah had seized on trump's accusation over the weekend. >> if my son were still in iraq, and i say to all those who are there, the threat to their life

it's gone up a couple of clicks. >> reporter: biden went so far to say that if his son had been deployed by a president trump, he would have thrown himself at his son's feet to prevent him from going. he is hoping that statements like that gets some attention here in working class scranton, sc he grew up. >> nancy cordes in the battleground state of pennsylvania. nancy, thank you very much. >> tonight a curfew goes into effect in milwaukee at 10:00 in the hope of heading off a third night of violence. riots erupted saturday after a black suspect was fatally shot by a black police officer. demarco morgan in milwaukee. >> reporter: today as milwaukee residents struggled to find calm, after weekend marred with

mayor tom barrett had a message for protesters. >> do not do further damage to this great neighborhood. >> reporter: the shooting death saturday of 23-year-old sylville smith triggered protests that ended with torched out businesses including this bp gas station. >> it does appear things are starting to get out of control. >> reporter: more than a doz any rests. police some in riot gear quickly found themselves in the paths of bullets. investigators tell cbs news, the suspect had a handgun with 23 round when he ran off after being pulled over in a traffic stop for having a suspicious vehicle. when asked to drop his weapon, police say he refused. he was shot twice. once in the chest. and arm. milwaukee police chief, ed flynn. >> whether the shooting turned

wasn't the issue. the issue was this is a flash point. >> recent study found that the fuel that nay have fed it was years of racial disparity. 49% of black children in wisconsin are living in poverty. wisconsin also incarcerated the most black men in the country. in milwaukee county. half of all black men in 30s and 40s have served time. city alderman russell sandford says better policing could help ease tensions. >> they were passing out baseball card. got to talk to the police. got to know who they were. need new bring that effort back. >> scott, the officer involved in the shooting was wearing a body camera. we tried reaching out for comment but did not get a response. he has been placed on administrative duty. >> demarco morgan, thank you very much. coming up next -- how to reduce the risk of sudden in fant death syndrome. and later, the man who mines

these days. you are buying finish these days. i got a new dishwasher and they recommend finish. really? you should try it. unlike cascade gel, finish has active cleaning enzymes. its unique powerball takes on anything. choose finish. it is a tragedy that happens 3500 times a year. a parent puts an infant to sleep and the child never wakes up. most often the cause is sids, sudden infant death syndrome. a new study out today find that many parents are not doing all they can to reduce the risk. here is dr. jon lapook. >> reporter: like so many new parents, janelle hanley focused on the best, safest way to get

>> no loose blankets, toys, loose fabric in her crib whatsoever. >> reporter: she puts her to sleep on her back which is also the current recommendation by pediatricians. according to today's study in "pediatrics" hanley is among the few doing it right. researchers videotaped, 160 babies sleeping at 1, 3, 6 months. at 1 month. 91% slept with items, bedding, bumper pads. pillows, stuffed animals. by six month at 1 month. 14% were not placed to sleep on their back. by 6 months it more than doubled to 33%. >> don't worry about the babies when collick is part of the picture. >> this doctor is a pediatrician. >> babies should have their own

stuffed animals in their sleeping environment. and they should be placed on their back. >> researchers attribute some unsafe behaviors to mixed messages such as availability of crib bedding and also to tired parents. >> it is probably on the part of pediatricians to get the word out a little bit more about sids dangers. we have a lot of generational things that have been passed down over and over and over that we have gotten comfortable with doing that maybe we shouldn't be doing. >> the study also found when most often to a parents a's room, the new sleeping site generally was more dangerous. bed sharing is a risk fact for for sids and soft bedding and loose objects may cause suffocation by covering an infant's nose and mouth. infant's nose and mouth. >> dr. jon lapoo marco...! polo! marco...! polo! marco...! polo! marco...! polo! marco...! s?? polo! marco...! polo! scusa? ma io sono marco polo, ma... marco...! playing "marco polo" with marco polo? surprising. ragazzini, io sono marco polo. s?, sono qui... what's not surprising?

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a little touch is all it takes. k-y touch. today, florida confirmed two more people infected with the zika virus. 30 transmissions by mosquitoes in miami. no other state reported mosquito borne infections. the virus can cause severe birth defects. tonight new york's kennedy airport is back to normal. reports of gunshots set off er - panic. three terminals were evacuated. airlines grounded or diverted flights. witnesses say they heard shots. but the police found no evidence of that. there was a real scare for a bear in alaska. she was watching her three cubs

when one slid over the top. a second followed. she sprung into action to fish them out just as the the third cub washed over the falls. all three of them were saved. a teaching moment for the trio. no doubt. coming up next, usain bolt's

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we end tonight with the fastest man on earth. usain bolt, he won his third straight olympic gold medal in the 100 meters yesterday in less time than it took me to tell you about it. here is ben tracy. >> reporter: when usain bolt ran away with the gold in the 100-meter sprint, he seemed to suck all the oxygen out of the stadium. >> here he is. still invincible. usain bolt! >> reporter: of course jamaicans in rio went bonn kerrs. -- bonkers. when this is your title. who is the fastest man in the world? >> usain bolt. >> everybody knows your name. >> bolt, bolt, bolt. >> usain bolt. >> his last name is bolt, man.

unlike michael phelps who is seriously in the zone before each race. bolt does this. usain bolt! when everybody else looks like they're dying during the race, bolt does this. and this particular bolt of lightning has now struck three times. the first person to win gold in the 100 meters in three olympics. so how fast is he? a typical treadmill in the gym bolt's foot speed clocked at nearly 28 miles per hour. >> belt! >> what he is known best for may be his signature move. >> that was pretty good. >> now so iconic he can only be outdone by the biggest outstretched arms in rio. ben tracy, cbs news, rio de janeiro. that's the "cbs overnight news" for this tuesday morning. for some of you the news continue thousands. for others check back a little later for the morning news and of course "cbs this morning."

welcome to the overnight news. republican nominee donald trump has laid out his vision to fight terrorism in a major speech in ohio. trump said the united states will use military, cyberand financial warfare to defeat teror groups like isis. he did not offer specifics but did pro vise a test to screen immigrants for extremist views. here's just some of what trump had to say. >> unlike hillary clinton who has risked so many lives with her careless handling of senseless information. my administration will not

and what they are. i often said the great general douglas macarthur and the great general george patton would be in a state of shock if they were alive today to see the way president obama and hillary clinton tried to recklessly announce their every move before it happens. like they did in iraq. so that the enemy can prepare and adapt. their enemy says thank you. a trump administration will establish a clear principle that will govern all decisions pertaining to immigration. and we will be tough. and we will be even extreme. extreme. we should only admit into this country those who share our

ideological screening test. the time is overdue to develop a new screening test for the threats we face today. i call it -- extreme vetting. i call it extreme, extreme vetting. our country has enough problems. we don't need more. and these are problems like we have never had before. >> the trump campaign is pushing back against a new report that links its chairman to alleged corruption in the ukraine. "the new york times" says a pro russia political party set aside millions in secret cash for paul manifort. he denies he got any such payment. >> paul manifort's ties to the pro russian former president of ukraine are well-documented. new details about the money designated for him by political allies are likely to amplify, donald trump's claims he is facing media bias.

million was earmarked for paul manifort, victor yanokovic. that is according to a so-called black ledger analyzed by ukrainian anti-corruption investigators who believe it documents "an illegal off the books system whose recipients included election officials." manifort denied it. i have never received a single off the books cash payment as falsely reported by "the new york times." nor have i done work for the governments of ukraine or russia. the suggestion that i accepted payments is unfounded, silly and nonsensical. the clinton campaign called the news troubling. adding trump has a spent to

employees ties to russian or pro kremlin entities. >> i'm running against the crooked media. that's what i am running against. >> reporter: the report provides more ammunition for trump's ongoing clash with "the new york times." >> we have a newspaper that is failing badly, a real garbage. they are garbage. maybe we'll start thinking abut taking their press credential as way from them. >> beyond the media bashing, trump its setting up another excuse for losing. voter fraud. >> the only way we can lose in my opinion, i really mean this, pennsylvania, is if cheating goes on. i really believe it. >> reporter: trump called for volunteer election monitors. >> go around and look and watch other polling places. make sure it is 100% fine. democrats have carried pennsylvania in six straight presidential elections. there are nearly 1 million more registered democrats there than

fraud could tip ballots. >> learning more about armed robbery of four u.s. olympic swimmers at the games in rio. one victim. 12 time medalist, ryan lochte. as ben tracy shows, the attack is highlighting security concerns for athletes an fans. >> reporter: just the kind of thing olympic officials have been worried about. since the games began, athletes and coaches from other countries hatch been robbed at knife or gun point here in rio. the first time we heard of it happening to american athlete. >> they pulled out their guns. they told the other swimmers. >> reporter: ryan lochte says the mugging happened after he and fellow swimmers left a party at france's hospitality house early sunday morning. this is snap chat video of them partying in rio. the four swimmers got in a cab and say they were pulled over by robbers posing as police. when they ordered lochte to get on the ground. he says he refused. >> i was like, we didn't do anything wrong.

and then the guy pulled out his gun. he cocked it. put it to my forehead. he said get down. and i was like, put my hand up. i was like, whatever. >> reporter: they lost their money and wallets. but nobody was hurt. >> last week, lochte won gold on the u.s. men's relay team. but then failed to medal in his final race last thursday. >> ryan lochte is off the podium. >> he has been hanging out in rio since then. >> i can tell you from ryan absolutely not true. >> it is not clear why olympic officials first denied the mugging happened and then backtracked. michael phelps says he felt well protected in rio. >> no matter where i am going. i have a team, personally who is always looking out for everything. and -- and the u.s. swimming is making sure we are as protected as we can be.

bullets have flown through the equestrian venue and bus carrying media was pelted by rocks. when we first came to rioen june we went on patrol with the police force. rio has seen a 40% spike in street crime since last year. >> do you think the people coming here for the olympics have anything to worry about? this police commander told us more tourists would mean more opportunities for crime. >> reporter: the united states olympic committee says they tar reiterating their security athletes. when we asked them what the protocols are and if going out at night without security would violate them. they told us they don't discuss security issues.

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new details in the dramatic twist of a murder case that became a phenomenon on social media. friday a federal judge overturned conviction of brandon overturned conviction of brendon dassey, captivating audiences in "making a murderer." vladamir duthier has the the latest. >> reporter: the case surrounding brendon dassey his uncle steven avery, was heavily scrutinized since netflix released "making a murderer" portrayed as confusened and vulnerable now. a judge is critical of how he was interrogated by investigators. >> who shot her in the head? >> he did. >> reporter: in the ten-part series making a murderer, 16-year-old dassey confesses to helping steven avery, rape, murder and mutilate a woman in wisconsin. >> it is okay. what made you do it?

>> cut her where? >> on her throat. >> reporter: a u.s. magistrate judge concluded investigators made repeated false promises while interrogating dassey. factors, age. intellectual deficits and absence of supportive result, rendered his confession in voluntary. state prosecutorve given 90 days to decide whether to retry or release dassey. the now 26-year-old serving a life sentence alongside, steven avery, following separate trials. >> the confession is the product of police contamination. >> you had a young man who believed that the only way he was going to get out of that room was to tell these police officers what they wanted to hear. critics including former wisconsin state prosecutor, ken

murderer" series is bias and ignore incriminating evidence. in a statement to cbs this morning, the documentary film maker said this recent news shows the criminal justice system that work. we will continue to document the story as it unfolds and follow it wherever it may lead. >> i think it made this judge be even more careful. more thorough in his analysis. that's why we have a very well reasoned, 91-page, opinion. >> the wisconsin department of justice which handled the case says it has no comment and remains to be seen how friday's ruling will affect steven avery a case. in a statement, the attorney says invalidation of the dassey confession is a giant step forward in exposing the deceptive investigation techniques used to frame steven avery."

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task force investigating the industry. and the companies don't pay he says unless a beneficiary makes a claim. >> what we found is that companies have actual knowledge in their files that people have died yet they have neglected to initiate an investigation and pay the claim. >> life insurance companies are failing to pay out death benefits when they know the claiming they don't know. >> in many cases, that has been the, that has been exactly what we have found. >> reporter: when you found that, what, what went on inside you? >> my first instinct was of course, unleash the hound of hell let's go after them. and expose them. for the, for the unconscionable indefensible behavior that was going on. >> reporter: he says some of the policies are worth more than $1 million.

as the a result. joseph got a payment of $5,000 from his sister's policy. >> i was the administrator of her estate when she died in june 1990. we didn't know anything about this at all. >> you are talking about millions of policies. hundreds of thousands of policies we're dealing with in florida. >> reporter: jeff atwater, chief financial officer in florida in charge of regulating the state insurance agency. >> you can assume from what we have found, policies that should have been paid out in 60s, 70s, 80s, 90s were never paid. >> you are saying it is part of their plan.

to imagine. not a small dollar amount. billions of dollars that stay in the investment cuts of these insurance companies, rather than return money to the families. >> till us some of the big names. >> it would be all the large brand names, john hancock, met life, prudential. many have sat done and made right. >> reporter: no one disputes that insurers pay out on policies when the beneficiary files a proper claim. but, says kevin mccarty of florida, many of the companies routinely and deliberately disregarded evidence in their own files that the policy holders had died. unless someone filed a claim, he says, the companies would chance -- cancel the policy and keep the death benet. >> life policy in florida january, 2002. insurer died in april. 2008. we actually have in the insurance company's file, a copy, a scan copy of the death certificate. and the accompanying envelope which displayed the spouse's return address. >> with the spouse's address on it. >> right here.

>> less than one month after the death. the policy was terminated for nonpayment. >> industry lobbyists like this one at recent hearing in florida. argue that the burden falls on the ben fish ears. >> if you sign the contract. you are obligated to know what is in it. awe companies argue that they have to make the claim and show up with the copy or policy >> yeah. >> if they didn't do that. we don't have an obligation. >> the florida law says something too. you have to look ate, not in just in terms of the contact. but your responsibilities under the florida insurance code. i am here to say that you have a responsibility to investigate a claim if you know some one has died. and if you have a letter that says you are deceased you have knowledge that the person has died. >> reporter: insurance companies are regulated separately by each state.

state regulators first got wind of the insurance industry practice from jim hartley and jeff drubner run a technology auditing company, veris financial. based on an insider tip in 2006. employing techniques he used as an fbi agent combed through insurance company data and discovered that the insurers were routine leap using the social security death master file which is a constantly updated list of people who have died in the united states. >> what was the significance to you that they were using the death master file for something. >> i knew at that point that they knew. they know who they insured. if they have a list of everybody that passed away. i knew that they new. >> so what was the next step? >> the next step was speak to the states. there wasn't one treasurer, controller or attorney general who didn't have a reaction that this, this shouldn't be allowed to happen.

death master file when it was to their advantage. to cut off annuity or retirement payments once the policyholder died. but they didn't then notify the life insurance side of the company. >> we have actual cases, leslie, where a policy holder had beth an annuity and a life policy. they term -- terminated the annuity. they knew the person was dead. and claimed over here they didn't know he was dead. >> when we went in and looked in the memos. the right side told the left side. >> you saw it in the audits. >> we saw it in the audits. >> reporter: something else they saw related to whole life insurance policies.

build up a cash nest egg like 401(k). what they found is that when a beneficiary did not come forward, the company continued to pay themselves premiums out of the dead person's nest egg. in this $20,000 policy. the nest egg was drained down more than $9,000 to 0. after the person had died. california controller betty yee says that kind of siphoning off was widespread in cases where beneficiaries did not come forward. >> how can you not be outraged by this? >> she says in about a third of the cases, there was evidence of death in the file. >> is this the file you saw with the word deceased in large unmistakable letters? >> deceased with the date of death. >> still they didn't stop paying themselves? >> no.

you would have thought with that kind of indication the next step would be to confirm that, by looking up a death master file. beginning the claims process. with the family member. >> they didn't. when the cash was used up. the companies cancel the policy. under the law they're allowed to use, paying premiums using accumulated cash while alive. mccarty says the law was intended as a way to protect consumers. life policy, and you lose your job and you can't make your premium payment. they will take some cash built up in the policy and pay the premium. great for consumer protection. >> reporter: in this situation, after they die. >> i think it is tantamount to

know in your books and records the person its dead. and you drain the policy. >> now if you think about that. if you would have explained that, frying to sell that policy. >> at the beginning. >> sitting in your kitchen and saying, you know you have got all of these symbols of security and financial stability. we will be there for you with your family. and their grief. but nay say, by the way, if you stick that policy in a sthu box and stick it in your closet. not only are we not going to look for you. we are going to take all the cash value in it. >> give it back to the company. and leave your beneficiary with nothing. here, sign here. >> to watch the full report. go to cbs news.com. and click on 60 minutes.

u.s. olympic swimmer anthony earvin is completing a comeback. >> anthony earvin was so determined to finish strong friday night in the 50 meter race. when he touched the wall to win the gold he jammed his finger. >> turned around and saw the one next to my name. smiled, laughed. and knew my brother and friend were in. i let loose a roar. hopefully they could hear. record keepers heard it too. with this gold and the one he shared for last week's 4 x 100 meter relay, earvin ties the record the olympic athlete with the longest gap between medals. 16 years. >> that journey started in city

for gold in the same race he won on friday. >> at 19 it was such a flurry of -- new experiences. >> so daunting that not long after he walked away from the pool for almost a decade. he battled depression. struggled with his identity. he also sold his gold medal. but now he has the got two new one to take its place. >> going to keep these gold medal sntz. >> keeping them for now. unless you want to try them on? >> of course i want to try them on. >> try them on. >> this isn't about me. it is about you. >> it is about. >> these are heavy, man. >> it is about you too now. >> earvin is planning to use his success to help others not himself.

write "chasing water" it looks like he published it too soon. >> the new chapter not in the book. what do the you want people to learn from you now? >> i don't know. give me a few years to write about it. despite talk about his age he is not giving up the pool look last gold medal. >> you are not going to retire? >> no. >> you are 35. >> yeah. how old are you? going to retire next year? everybody wants to resist aging. why? it's -- it's a good thing. right? >> earvin isn't ruling out a sprint for gold in tokyo in 2020. one thing that would be new if he does compete there, fatherhood. he revealed after his win over the weekend, that he is the father to a newborn baby girl. but he hasn't been able to meet

? ? it's tuesday, august 16th, 2016. this is the "cbs morning news." >> i call it extreme vetting. >> that's how donald trump the cold war era test he'd put immigrants through on their way to the united states. the suspect is in jail tonight. breaking overnight -- evacuees erupt in applause on word of an arson arrest in northern california, where a wildfire has swallowed more than