Hunt v. Golden Rule Insurance

HOWARD, Circuit Judge.

In this insurance coverage case, plaintiff Beatrice Hunt appeals the district court’s grant of summary judgment to defendant Golden Rule Insurance Company on her claims of breach of contract and unfair insurance trade practice. After de novo review, we affirm.

I

The background facts are undisputed. Since 1987, Hunt was insured under a Golden Rule individual insurance policy providing two types of benefits: major medical benefits and decreasing term life insurance. As this case concerns the former, we turn first to the details of that coverage.

The Major Medical Benefits…