MEMORANDUM OPINION AND ORDER
BUCKLO, District Judge.
Prior to his sudden death on February 17, 2004, Mark Franck ("Mr.Franck") consulted with an insurance agent about purchasing a life insurance policy. He applied for a policy and the insurance company subsequently issued a policy and sent it to the agent, but Mr. Franck passed away a few hours before the agent called to arrange to deliver the policy to him. Mark Franck's widow, Antonia Franck ("Mrs...
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