MEMORANDUM
JAMES K. BREDAR, District Judge.
Pending before the Court is Defendant Mutual Benefit Insurance Company's ("Mutual Benefit") motion to dismiss or, in the alternative, motion for summary judgment. (ECF No. 9.) The Court has considered it, the Plaintiffs' opposition (ECF No. 11), and Mutual Benefit's reply (ECF No. 12). No hearing is necessary. Local Rule 105.6 (D.Md. 2011). The motion will be granted.
I. Background
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