David Rings shot his wife Teresa, then himself. Experts could not determine who died first. David had two life-insurances policies through his employer naming Teresa as sole beneficiary that required her to be living on David’s date of death to receive benefits. However, the policies stated that if both died simultaneously, benefits would be paid as if David outlived Teresa. Minnesota Life Insurance Company (plaintiff) petitioned the court to decide whether benefits should go to David’s mother, Judy Rings (codefendant) (his closest surviving relative), or to Teresa’s son, Chase Lee (codefendant).