Allstate Life Insurance Co. v. Miller
United States Court of Appeals for the Eleventh Circuit
424 F.3d 1113 (2005)
Allstate Life Insurance Company (Allstate) (plaintiff) required all applicants for life insurance to pass a medical examination. John Miller passed his examination and took out an Allstate policy that named Steve Miller and Nicholas Demetro (beneficiaries) (defendants) as beneficiaries. As Florida law required, Allstate’s policy included a clause making the policy incontestable after it was in effect for two years. John died three years after Allstate issued its policy. Allstate refused to indemnify the beneficiaries and sued for a declaratory judgment nullifying the policy on the grounds that John used an impostor to pass his pre-insurance medical screening. Ruling that Florida law made no imposter exception to its two-year incontestability law, a federal district court entered summary judgment for the beneficiaries. Allstate appealed to the Eleventh Circuit.
Rule of Law
Holding and Reasoning (Barkett, J.)
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