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GROUP LIFE INSURANCE
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11th Cir 5th Cir accident active Admin agent alleged amount annuitant's annuity contract annuity policy attorney fees award bad faith claim beneficiary designation breach of contract cause of action certificate change of beneficiary choice of law Code Ann compensatory damages court found court held covered death benefit denied divorce duty effective date eligible emotional distress employee's employment enrollment entitled ERISA federal fiduciary first-party fund group annuity group insurance group life insurance group policy health insurance infliction of emotional Insurance Annuity insurance contract insurance policy Insured Individual insurer's interest issued John Hancock Mut jury liability master policy misrepresentation Nat'l paid payable plaintiff policy proceeds Policy Provision policyholder punitive damages reasonable received refusal to pay Rptr standard group Stat statute statutory summary judgment Supp supreme court term life insurance termination tort total disability waiver of premium wife