Halstead Consultants, Inc. v. Continental Casualty Co.

OPINION

TOCI, Judge.

Halstead Consultants, Inc. (“Halstead”) 1 purchased a one-year term, renewable group accidental death and dismemberment insurance policy from Continental Casualty Company (“Continental”). The policy insured “active full-time consultants [of Halstead] under age 70.” Although Ann Halstead (“decedent”) was not a Halstead employee, she was listed as an active, full-time consultant when the policy was first issued and each time the policy was renewed. Continental denied Halstead’s claim for accidental death benefits, claiming that because decedent was not an active, full-time…