Rainey V. Guardian Life Insurance Co. of America

Banke, Judge.

The plaintiff sued the defendant insurance company to recover accidental death benefits in the amount of $5,000, allegedly due to her as a result of her husband’s death. She appeals the trial court’s grant of summary judgment to the insurance company. The insurance policy at issue is a group policy covering the employees of Appollo Forest Products Company. The plaintiffs husband died by drowning two days after terminating his employment with that company.

The policy is divided into three major sections. The first is entitled “Employee Basic Term Life Insurance,” the second is…