Affirmed by published opinion. Judge WILLIAMS wrote the opinion, in which Chief Judge BULLOCK concurred. Judge MURNAGHAN wrote a separate concurring opinion.
OPINION
WILLIAMS, Circuit Judge:
Upon the death of one of its insured, Tom Pettit (Tom), Metropolitan Life Insurance Company (MetLife) sought to pay life insurance proceeds due under an Employee Retirement Income Security Act (ERISA) qualified plan. The designated beneficiary, Patricia Pettit...
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