MEMORANDUM
WALDMAN, District Judge.
I. Introduction
This case arises out of the vehicular death of Nicholas Giangreco, Jr. Plaintiffs are the insured's parents and are the administrators and beneficiaries of his estate. At the time of his death, Mr. Giangreco was insured under a group policy issued by defendant United States Life Insurance Company ("U.S. Life") which coverage he purchased through a solicitor employed by defendant MBNA America...
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