SULLIVAN, Presiding Justice, for the Court:
FACTS AND PROCEDURAL HISTORY
On April 4, 1990, Lucille Kitchens went to Lakeover Memorial Funeral Home to apply for a policy of insurance. Kitchens spoke with Arthur Willis, a principal in Lakeover and a licensed insurance agent for American Funeral Assurance Company. Kitchens had been referred to Willis by her sisters who had already purchased insurance through Lakeover and Willis.
Lucille Kitchens...
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