MILLER-LERMAN, Chief Judge.
INTRODUCTION
On July 21, 1995, Deanna June Weatherwax, personal representative of the estate of Irvin L. Weatherwax, deceased (Estate), filed an action to obtain the proceeds of a single-premium deferred annuity contract from Equitable Variable Life Insurance Company (Equitable) and Leora M. Weatherwax. Leora is the divorced spouse of Irvin and claims to be the named beneficiary on the above contract, which had been purchased...
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