Susan Terry v. Unum Life Insurance Company of America and National Life Insurance Company, No. 04-0947-Cv

In reviewing a dismissal pursuant to Fed.R.Civ.P. 12(b)(6), we take as true all the allegations in plaintiff-appellant Susan Terry’s Complaint. On March 3, 1993, Terry purchased a disability insurance policy from defendant-appellee National Life Insurance Company (“National”). In January 1998, Terry, now disabled, submitted a notice of claim and proof of loss to National. Initially, National paid disability benefits to Terry; but on October 23, 1998, National informed Terry that an investigation conducted by Unum Life Insurance Company (“Unum”), which provided claim services for National’s…