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Michael Jackson's personal chef Kai Chase just testified -- claiming a frantic Dr. Conrad Murray begged her for help the 日 MJ died, ten 分钟 before anyone called 911.

According to Chase, she was in the 厨房 preparing lunch for Michael and his kids -- and between 12:05 and 12:10PM, Murray ran downstairs, yelling for her to "get Prince, get help, get security."

Chase claimed she sent Prince to Dr. Murray and returned to work.

Chase admitted she didn't contact security -- a point highlighted 由 defense attorney J. Michael Flanagan.

Yesterday, MJ's personal assistant Michael Amir Williams testified ... Murray called him at 12:13 PM, and Williams immediately phoned security. MJ's security guard Alberto Alvarez eventually called 911 at 12:21 -- between 11 and 16 分钟 after Murray allegedly asked Chase for help.

While Chase was leaving court today, we asked if she thought her testimony was helpful -- she responded, "Absolutely."

The Michael Jackson estate is tired of waiting for Lloyd's of 伦敦 to pay out on the $17.5 million "This Is it" insurance policy -- so they're going after Lloyd's in court ... demanding they pay up, stat.

Lloyd's of 伦敦 originally issued the policy to cover potential losses for MJ's 2009 "This Is It" concerts -- but earlier this year, the company asked an L.A. court to declare the policy null and void ... claiming MJ lied about his medical history and drug addiction.

Lloyd's insists the policy "was restricted to losses resulting from accident only" -- pointing out Michael's official cause of death was "homicide."

But the estate is now on the offensive -- filing a cross-complaint, claiming MJ never intended to die, whether 由 homicide 或者 not, so his death still qualifies as an accident.

But the estate isn't just settling for the original $17.5 million -- they also want punitive damages. FYI, suing for punitive damages often scares the crap out of insurance companies.

The 下一个 日 Michael woke up notice that he was on floor and he just remember that he passed out so he got up and then he took a cold 淋浴 and he just wanted to chill out for today. Michael just put on hes PJS and he just watch some football and play some video games and then 亚瑟小子 call Michael and 亚瑟小子 say " yo Michael how are u feeling?" Michael say " i am doing good" 亚瑟小子 say " thats good but u know we have a job tonight right? Michael say " NO i didnt know u didnt even call me early but anyway i am not going" 亚瑟小子 say " What??" Michael say " I am not going Bit** " 亚瑟小子 say " u know what when I see u i am kill " Michael say " whatever " 亚瑟小子 say " watch u wish u was dead already" sorry whats happen when 亚瑟小子 sees Michael is he gonna get killed 或者 stay alive. To be contuine

Today is the two-year anniversary of Michael Jackson's death -- and the saga has played out like a soap opera about betrayal, jealousy, love, greed and redemption.


When TMZ broke the news, it triggered a flood of stories about Jackson's struggles with drugs, the doctors who enabled him, the mystery surrounding his death, a little known drug called propofol, a family war against Michael's estate, a full court press to erase Michael's debt, and a posthumous marketing campaign to rival Elvis.

Take a look at TMZ's timeline from the moment we found something was terribly wrong with Michael.

Lloyd's of 伦敦 has gone to court ... asking a judge to let the company off the financial hook, claiming it doesn't owe the Michael Jackson Estate $17.5 million on grounds MJ was a fraud.



The company issued the muilti-million dollar policy to cover the doomed "This Is It" tour for losses.

But Lloyd's claims it doesn't have to honor the policy for 2 primary reasons:

1. Michael Jackson and AEG allegedly lied about Michael's medical history -- specifically, MJ 说 he had not seen a doctor other than a cosmetic MD since June, 2005.

2. Michael did not disclose he was taking prescription drugs prior to and at the time of his death -- including Propofol.

Lloyd's is asking the court for a declaration that the policy is null and void as a result of the alleged fraud.

Howard Weitzman, the lawyer for the Estate, tells TMZ, "This legal action is nothing 更多 than an insurance company trying to avoid paying a legitimate claim 由 the insured."

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Michael Jackson 粉丝 are scrambling to stop the Discovery Channel from broadcasting a gruesome reenactment of MJ's autopsy ... calling the whole thing an "affront to human dignity."



TMZ has learned ... 粉丝 have already collected nearly 1,500 signatures -- all demanding the network pull the plug on a special entitled "Michael Jackson's Autopsy" ... in which MJ's bloody autopsy is expected to be reenacted in gory detail.

The 粉丝 behind the petition call the documentary "an affront to human dignity" -- adding, "This type of sensational and unscrupulous reporting can only cause harm."

The petition states, “We ask the directors of the Discovery Channel programming to proceed with the outright cancellation of this indecent documentary.”

The doc is scheduled to air January 13th in the UK.