NEUMAN, Justice.
These two cases reach us on appeal from summary judgments entered in favor of defendants who were involved in securing a health benefits contract for employees of the Sioux City School District in 1983. Prior to 1983, plaintiffs Robert J. Hoefer and William H. Hoefer d/b/a The Administrators (hereinafter "Hoefer") had for many years serviced the account as the agent of Washington National Insurance Co. Faced with escalating premium costs, however...
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