GOTHARD, Judge.
On September 26, 1988, Julio Ortiz and his wife Eloisa Guichard Ortiz consulted with insurance agent Gerald Power of the independent insurance agency, J. Power & Associates. The Ortizs, through Mr. Power, purchased disability insurance policy number 6-295-876464 from Provident Life and Accident Insurance Company of Chattanooga, Tennessee, (hereinafter "Provident").
In 1989, Mr. Ortiz made a claim against the policy alleging that he had...
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