Rehearing and Suggestion for Rehearing En Banc Denied March 8, 1999.
BAUER, Circuit Judge.
On September 25, 1995, Melvin Burgess died as a result of injuries he sustained in a drunk driving accident nine days before. At the time of the accident, Mr. Burgess was covered by a life insurance policy for $100,000 which he purchased from J.C. Penney Life Insurance Co. Mr. Burgess' sons, as beneficiaries of this life insurance policy...
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