In 1998, the Oil Heat Institute of Long Island, Inc. (Oil Heat), a trade association, created a "self-insurance" fund, plaintiff Oil Heat Institute of Long Island Insurance Trust (Oil Heat Trust), to provide medical insurance to its employees. Defendant Island Group Administration, Inc. (IGA) was named fund administrator after submitting a proposal to manage the fund with defendant Gerber Life Insurance Company (Gerber).
Gerber issued to Oil Heat, through a broker...
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