No. 21-10028.

20 F.4th 921 (2021)

Johnny PHAM; Kim Van Bui, as next friend of SKB and BDB, Minors, Plaintiffs-Appellants, v. TRANSAMERICA PREMIER LIFE INSURANCE COMPANY, Defendant-Appellee.

United States Court of Appeals, Fifth Circuit.

FILED December 10, 2021.

Attorney(s) appearing for the Case

Charles W. McGarry , Law Office of Charles McGarry, McKinney, TX, for Plaintiffs-Appellants.

Stephen R. Clarke, Esq. , LaCrecia Perkins, Winstead, P.C., Dallas, TX, for Defendant-Appellee.

Before DENNIS, HIGGINSON, and COSTA, Circuit Judges.

In January 2018, Bich (pronounced "Bick") Pham1 applied for life insurance coverage of $600,000 from Transamerica. The same day, Bich gave her insurance agent a check to cover the first premium and received a "Conditional Receipt," which...

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