Court of Appeals for the Fifth Circuit June 18, 2002, 01-60679 (Amer Heritage Life v. Sanford)

REVISED JUNE 18, 2002

IN THE UNITED STATES COURT OF APPEALS

FOR THE FIFTH CIRCUIT

________________________

Nos. 01-60678, 01-60679, 01-60680, 01-60681, 01-60682

________________________

AMERICAN HERITAGE LIFE INSURANCE COMPANY;

FIRST COLONIAL INSURANCE COMPANY OF FLORIDA;

FIDELITY NATIONAL INSURANCE CORPORATION, doing

business as Republic Finance, Inc.

Plaintiffs-Appellees

-vs-

JOHN D.