PER CURIAM.
The United States Court of Appeals, Eleventh Circuit, has certified to us this question of law: "Whether a settlement agreement between an insurer and a beneficiary for an amount less than that due under the policy constitutes payment `in accordance with the terms of the policy' under Ala.Code § 27-14-24 (1975) and/or `payment according to the terms of its [the insurer's] policy' under Ala.Code § 43-8-253(f) (1975)?" We answer the question "no...
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