Pamela Lane v. American General Life and Accident Insurance Company

OPINION

D. MICHAEL SWINEY, J., delivered

the opinion of the court,

in which HERSCHEL P. FRANKS, P.J., joined, and CHARLES D. SUSANO, JR., J„ filed a separate concurring opinion.

In 2002, Ronnie Lane applied for and was issued a life insurance policy through American General Life and Accident Insurance Company (“American General”). Less than two years later, Mr. Lane died from a massive heart attack. Mr. Lane’s wife, Pamela Lane, made a claim for the life insurance benefits. American General denied the claim, asserting that Mr. Lane had made material misrepresentations on the application for life…