Singleton v. Protective Life Ins. Co.

The plaintiffs, Cyndi and Steven Singleton, appeal from the trial court's summary judgment in favor of the defendants AmSouth Bank and Protective Life Insurance Company. We affirm.

I

The Singletons obtained three loans from defendant AmSouth Bank ("AmSouth") from July 1995 to February 1997.1 In connection with each loan, the Singletons purchased credit-life insurance issued by defendant Protective Life Insurance Company ("Protective"). The Singletons repaid all the loans, and no claim was ever filed on the credit-life insurance.

A. The Singletons' Complaint

In May 1998, the Singletons sued…