CRIST, Judge.
Louis Ogle (beneficiary) maintained four separate actions to recover proceeds from life insurance policies issued on the life of decedent Gene Clubb. The policies were issued by: Central Security Life Insurance Company (Central Security) in the amount of $10,000; respondent Farmers New World Life Insurance Company, in the amount of $10,000; respondent Guardsman Life Insurance Company, in the amount of $10,000; and respondent Allstate Life Insurance Company...
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