DECISION AND ORDER
TELESCA, Chief Judge.
INTRODUCTION
The plaintiff, Deborah Howard, is the widow of a former Alliance Tool Corporation ("ATC") employee. She is the beneficiary of two life insurance policies issued on her husband's life while he was employed by ATC. Subsequent to his death, her claims for the proceeds of both life insurance policies were denied because the policies had lapsed after her husband failed to convert them from group...
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