In late fall of 1976, the plaintiffs, Mr. and Mrs. Talbot, made plans to build a home in Salisbury, Massachusetts. Before starting construction, Mr. Talbot approached one Michael Leary, an insurance agent employed by Horace Mann Insurance Company (Horace Mann). Leary had been the plaintiffs' insurance agent for a period of approximately three and one half years. Mr. Talbot, referring to himself as "an insurance...
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