MEMORANDUM
HIGGINS, District Judge.
I. Facts.
This is an action for declaratory judgment arising out of the issuance of a life insurance policy by the plaintiff, Kentucky Central Life Insurance Company, to Mr. James A. Jones. The defendants, Ms. Vonda L. Jones and Ms. Nancy Gay Jones, are beneficiaries under this insurance policy.
On December 17, 1988, James A. Jones completed an application for life insurance with Kentucky Central. In...
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