DIANE P. WOOD, Circuit Judge.
This case pits a surviving husband and child against a sister in a fight over the proceeds of three insurance policies. Brenda Combes was the insured person; she died suddenly at the age of 43. Her husband, David Combes, was surprised to discover that Brenda had changed the beneficiaries on these policies (or had tried to do so) from himself and the couple's daughter Ashley to Brenda's sister, Linda Davis. In time, two of the insurance...
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