Marcia O'COnnOr v. Combined Insurance Company

ROGERS, Circuit Judge.

Plaintiff Marcia O’Connor seeks to recover on insurance policies insuring the *363health of her since-deceased son, Mitchell Prybyla. Although the policy applications identify Prybyla as the insured and as the applicant for insurance, and the applications contain purported signatures of Pry-byla in those capacities, the policies were in fact obtained by Prybyla’s friend without Prybyla’s knowledge or approval. Because there was no meeting of the minds between contracting parties and therefore no valid insurance contract existed, the district court properly granted summary…