Abbott v. Cuna Mutual Ins. Society

— Eleanor Abbott (Abbott) and Larry Ketchum’s estate (Ketchum)1 sued two credit unions and a credit life insurer to collect credit life insurance written on the life of Fred Epperly. After a bench trial, the trial court ruled for the defendants. We affirm.

In 1990, Eleanor Abbott was a licensed practical nurse. She operated a licensed adult foster care facility in her home.2 One of her neighbors was Larry Ketchum. One of her patients was Fred Epperly.

Epperly had been severely injured in an on-the-job accident. He was quadriplegic and needed 24-hour-a-day care. Abbott provided such care in…