BENHAM, Judge.
On October 20, 1983, Gulf Life Insurance Company ("Gulf Life") issued a life insurance policy covering Benny R. Brown, his wife, and their children, as well as future additions to the family. At that time, the Browns had two children and were expecting a third. On May 3, 1984, after a 39-week gestation period, Mrs. Brown gave birth to a stillborn baby, Dustin Chad Brown, whose death resulted form intrauterine fetal asphyxiation. The Browns filed a claim...
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