COX, Circuit Judge:
Appellants Edward and Cynthia Hancock appeal from the district court's grant of summary judgment in favor of appellee New York Life Insurance Company (New York Life). For reasons set forth below, we affirm in part and reverse in part.
FACTS
In 1974, New York Life issued a "guaranteed renewable master hospital expense policy" to Mr. Hancock. The policy contained a provision entitled "conversion privilege for covered dependent children...
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