White v. Life Ins. Co. of N. Am.

E. GRADY JOLLY, Circuit Judge:

Esther White, the beneficiary of David White's life-insurance policy, appeals a summary judgment granted in favor of the insurer and plan administrator, Life Insurance Company of North America ("LINA"), on her claim for benefits. LINA had denied benefits on the ground that David's death was caused in part by intoxication or drug abuse. Finding that LINA abused its discretion in denying benefits, we reverse and instruct the district court to enter judgment in favor of White.

I

In July 2014, David and Esther White were in a horrible car crash in Arkansas. David was…