Chism v. Protective Life Insurance

McAnany, J.:

In June 2005 Steve and Karen Chism purchased a new vehicle from Quality Motors of Independence, Inc. As apart of the transaction, the dealership’s business manager, Dennis Urban, offered to sell them a Protective Life Insurance, Co., credit life insurance policy that would pay off their car loan if either of them died. In her appellate brief, Karen characterizes Quality Motors as an authorized agent for Protective.

Steve had been diagnosed with high blood pressure in 1991, Type II diabetes in 1999, and peripheral vascular disease in November 2004. Steve took various medications and…