Court of Appeals for the Fourth Circuit July 27, 1994, 93-2119 (Phoenix Mutual Life Insurance Company v. William Jackson Adams, Iv, Rosita L. Adams)

Affirmed by published opinion. Judge MURNAGHAN wrote the opinion, in which Chief Judge ERVIN and Senior Judge HARVEY joined.

OPINION

MURNAGHAN, Circuit Judge:

Following the death of William Jackson Adams III (Bill), his son William Jackson Adams IV (Jack), and his wife Rosita, both claimed the proceeds of one of Bill’s life insurance policies.