ORDER AND JUDGMENT*
NEIL M. GORSUCH, Circuit Judge.
Katherine Towles used to work for Martin, Pringle, Oliver, Wallace & Bauer, LLP. At first, she designated her children, Kristopher Yarbary and his brothers, as beneficiaries of a life insurance policy her employer helped fund and Unum helped administer. Later, a form was filed designating her husband in her sons' stead. After Ms. Towles died and Unum paid benefits...
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