MEMORANDUM RULING
MINALDI, District Judge.
Before the court is a motion for summary judgment [doc. 31] filed by plaintiff, Empire General Life Assurance Corporation ("Empire"). At issue in this suit is the entitlement to insurance proceeds of a policy on the life of Earl Swain, Sr. ("Swain Sr.") who died in a boating accident, along with his son Earl Swain, Jr. ("Swain Jr.") and his grandson Drake Hoffpauir.
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