Richard N. Abrams v. Unity Mutual Life Insurance Co.

DIANE P. WOOD, Circuit Judge.

In the funeral business, the term “pre-need” insurance refers to a product that a person may buy to provide in advance for funeral and burial expenses. Richard Abrams, who owned a number of funeral businesses, had some expertise in this kind of preneed life insurance. Unity Mutual Life Insurance (Unity) was interested in moving into the preneed market and decided to use Abrams as its general agent. Although the parties never entered into a written contract, Abrams provided several services to Unity in connection with various pre-need products. The relationship…