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DUBUISSON v. STONEBRIDGE LIFE INS. CO.

Docket 16-3526 August Term 2017.

887 F.3d 567 (2018)

Manette DUBUISSON, Individually and on behalf of all others similarly situated, Alice Lacks, Individually and on behalf of all others similarly situated, and George Gonzales, Individually and on behalf of all others similarly situated, Plaintiffs-Appellants, v. STONEBRIDGE LIFE INSURANCE COMPANY, FKA J.C. Penney Life Insurance Company, Transamerica Financial Life Insurance Company, Federal Insurance Company, a Member of the Chubb Group of Insurance Companies, Defendants-Appellees.

United States Court of Appeals, Second Circuit.

Decided: April 12, 2018.

Attorney(s) appearing for the Case

ROGER L. MANDEL , Lackey Hershman, L.L.P, Dallas, TX, for Plaintiffs-Appellants.

H. CHRISTOPHER BOEHNING ( Shane Avidan , Jessica S. Carey , on the brief), Paul, Weiss, Rifkind, Wharton & Garrison LLP, New York, NY, for Defendant-Appellee Federal Insurance Company.

STEPHEN R. CLARK , Winstead PC, Dallas, TX ( J. David Brown , Winstead PC, Dallas, TX; Steven B. Getzoff , Lester Schwab Katz & Dwyer, LLP, New York, NY, on the brief), for Defendant-Appellee Stonebridge Life Insurance Company, FKA J.C. Penney Life Insurance Company.

Before: Pooler, Wesley, and Hall, Circuit Judges.

Group insurance policies, unlike individual insurance policies, are contracts for the benefit of third parties. Under a group insurance program, a central entity — the group — enters into a contract with an insurance provider and acts as the policyholder. Members of the group are the third-party beneficiaries...

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