THOMPSON, Associate Judge:
Marshall Coyne, the owner and president of closely-held Madison Management Corporation ("Madison"), was the insured under a $1 million accidental death policy that Madison purchased from AIG Life Insurance Company ("AIG") through Madison's broker, Aon Risk Services ("Aon"). On August 24, 1999, Mr. Coyne, who was 88 years old at the time, fell while walking across a street and broke his hip. On March 16, 2000, 205 days after his fall, Mr...
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