Crosby v. Protective Life Insurance

Cureton, Judge;

C. Ed Crosby commenced this action against Protective Life Insurance Company (Protective) for actual and punitive damages for fraud in the issuance of life insurance for his daughter, or in the alternative for reformation of the policy on the basis of mutual mistake. The trial judge granted Protective’s motion for summary judgment on the fraud cause of action. Following a trial, the judge reformed the policy to provide additional death benefits. Protective appeals. We reverse.

Crosby contacted Ronald Keith Williams, a sales agent for Protective, to purchase $50,000.00 life…