Cecylia Chmiel v. Jc Penney Life Insurance Company, a Foreign Insurance Company

FLAUM, Circuit Judge.

This is an appeal from the district court’s grant of summary judgment in favor JC Penney Life Insurance Company (“JC Penney”) and against Cecylia Chmiel, a widow denied accidental death benefits based on a blood-alcohol exclusion in her husband’s life insurance policies. We now affirm.

BACKGROUND

Adam Chmiel held two insurance policies issued by JC Penney providing $110,000 in accidental death benefits. These benefits were payable to his wife, Cecylia Chmiel, in the event his death resulted “directly and independently of all other causes from accidental bodily injury.” Each…