MEMORANDUM OPINION AND ORDER
COBB, District Judge.
BACKGROUND
Plaintiff, Jimmy Hardy (Hardy), is an employee and owner/operator of G.P. Bourrous Trucking Company (Bourrous). In March, 1992, Hardy purchased an insurance policy (the Policy) from Bill Fisher (Fisher) and the Fisher Resources Group. The Policy was written by Philadelphia American Life Insurance Company (PALICO) and provided medical and accidental death or dismemberment coverage for...
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