OPINION
COOPER, Justice.
Laura Elizabeth Barfield, brought this action against Penn Mutual Life Insurance Company, its general agent, Jerry W. Joyner, and its soliciting agent, Billy K. Wilson, to recover the proceeds of a term life insurance policy issued by Penn Mutual upon the life of Joe Brown Barfield. Mr. Barfield drowned in the flood waters of the Mississippi River on March 15, 1979.
The gravamen of the plaintiff's action was twofold. She...
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