FINDINGS OF FACTS AND CONCLUSIONS OF LAW
BARBOUR, Chief Judge.
INTRODUCTION
This is a Declaratory Judgment action filed by State Life Insurance Company ("State Life") against Frank O'Brien. State Life seeks a declaration that a disability income insurance policy issued to Frank O'Brien is void because of material misrepresentations made by Mr. O'Brien in the application process and because Mr. O'Brien engaged in a scheme to overinsure...
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