WILL, Senior District Judge.
The Facts
The plaintiffs are the named beneficiaries in a $100,000 life insurance policy application on the life of Joseph Garde, a resident of Jacksonville, Illinois. The defendant, Inter-Ocean Insurance Company ("IOI"), did not issue a policy to Garde but its agent gave him a conditional receipt. Garde's application was made on February 2, 1983 following discussions with James Harold Long, an IOI agent.
Garde...
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