Guardian Life Insurance Co. of America v. Goduti-Moore

OPINION OF THE COURT

POLLAK, District Judge:

This appeal concerns a $500,000 life insurance contract (“the policy”) between ap-pellee, The Guardian Life Insurance Company of America (“Guardian”), and Kevin H. Moore, the deceased husband of appellant, Donna M. Goduti-Moore. Guardian, a New York corporation, brought this diversity action against Ms. Goduti-Moore, a citizen of New Jersey, in New Jersey’s federal district court seeking a declaratory judgment respecting the parties’ rights and obligations under the policy. In particular, Guardian sought to determine whether the policy had lapsed on…