C. D. Pulliam v. Alfa Life Insurance Corporation

CourtCourt of Appeals of Mississippi
DecidedOctober 6, 2020
DocketNO. 2018-CA-01735-COA
StatusPublished

This text of C. D. Pulliam v. Alfa Life Insurance Corporation (C. D. Pulliam v. Alfa Life Insurance Corporation) is published on Counsel Stack Legal Research, covering Court of Appeals of Mississippi primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
C. D. Pulliam v. Alfa Life Insurance Corporation, (Mich. Ct. App. 2020).

Opinion

IN THE COURT OF APPEALS OF THE STATE OF MISSISSIPPI

NO. 2018-CA-01735-COA

C. D. PULLIAM APPELLANT

v.

ALFA LIFE INSURANCE CORPORATION APPELLEE

DATE OF JUDGMENT: 10/10/2018 TRIAL JUDGE: HON. KENNETH M. BURNS COURT FROM WHICH APPEALED: CLAY COUNTY CHANCERY COURT ATTORNEY FOR APPELLANT: ROBERTA LYNN HAUGHTON ATTORNEYS FOR APPELLEE: MICHAEL EARL PHILLIPS JACOB O. MALATESTA NATURE OF THE CASE: CIVIL - INSURANCE DISPOSITION: AFFIRMED - 10/06/2020 MOTION FOR REHEARING FILED: MANDATE ISSUED:

BEFORE WILSON, P.J., LAWRENCE AND McCARTY, JJ.

LAWRENCE, J., FOR THE COURT:

¶1. On November 18, 2008, Annie Patterson purchased a $50,000.00 life insurance policy

on the life of her nephew and ward, Christopher Nance, through Alfa Life Insurance

Corporation. Annie was the owner and primary beneficiary of the policy, and Christopher’s

biological mother, Angela Nance, was listed as the contingent beneficiary. 1 Annie died on

April 30, 2013. On October 11, 2013, Annie’s father, C. D. Pulliam, attempted to modify

the policy to have himself replace Annie as an owner and as the primary beneficiary of the

policy. However, he was ultimately unsuccessful due to completing the wrong forms to

1 The record is unclear as to Angela Nance’s relationship to Annie Patterson, C. D. Pulliam, Otis Pulliam, and Willie Mae Townsend. effectuate the changes. Christopher died on November 16, 2014. As a result of Christopher’s

death, a dispute arose as to whether Angela, as a contingent beneficiary, or C.D., as a

substituted primary beneficiary, was entitled to the life insurance proceeds.

¶2. On January 23, 2015, Alfa filed a complaint for interpleader and a motion for leave

to deposit funds and requested injunctive relief pertaining to the payment of the life insurance

proceeds. In response, C.D. filed his answer, affirmative defenses and a counter-complaint

against Alfa which alleged multiple breach of contract and negligence claims. Ultimately,

the chancery court held that: (1) Alfa was entitled to interplead the insurance proceeds, (2)

Angela was entitled to the insurance proceeds and (3) C.D.’s counter-complaint should be

“dismissed as moot.”

¶3. On April 25, 2016, C.D. filed a notice of appeal from that original chancery court

ruling. In Pulliam v. Alfa Insurance Co. (Pulliam I), 238 So. 3d 620 (Miss Ct. App. 2018),

this Court affirmed in part and reversed and remanded in part the chancery court’s judgment.

This Court held that C.D.’s counter-complaint should not have been “dismissed as moot,”

and therefore that ruling was remanded to the chancery court for further proceedings. All

other issues were affirmed. The only issues remaining on remand were C.D.’s breach of

contract and negligence claims against Alfa.

¶4. Upon remand to the chancery court and subsequent to Pulliam I, on June 8, 2018, Alfa

filed a second motion for summary judgment in response to C.D.’s counter-complaint. On

September 17, 2018, and two days before the summary judgment hearing, C.D. filed a

2 response to Alfa’s motion for summary judgment and a motion to amend his counter-

complaint. On October 10, 2018, the chancery court entered an order granting Alfa’s

summary judgment motion dismissing the legal claims asserted by C.D. Further, the

chancery court dismissed C.D.’s motion to amend his counter-complaint. C.D. appealed.

Finding no error, we affirm the judgment of the chancery court.

FACTS AND PROCEDURAL HISTORY

¶5. Prior to the current appeal, this case has been appealed two times. C.D.’s first appeal

was prematurely filed on July 29, 2015. The first appeal was dismissed by the Mississippi

Supreme Court on December 17, 2015, due to the fact that the interpled funds had not yet

been dispersed and the order granting summary judgment was not a final appealable

judgment. C.D.’s second appeal was filed on April 25, 2016, and was resolved by this Court

in Pulliam I. The underlying facts of the case were previously reported in this Court’s

opinion in Pulliam I and are incorporated into this opinion:

In September 2008, the Clay County Chancery Court appointed Annie Patterson general guardian of her nephew, Christopher Nance, who was then fourteen years old. Christopher’s mother, Angela Nance, joined in Annie’s petition for the guardianship. In November 2008, Alfa issued a $50,000 life insurance policy on the life of Christopher. Annie was the owner and primary beneficiary of the policy, and Angela was listed as the contingent beneficiary of the policy. Annie paid all premiums on the policy until her death on April 30, 2013. The policy provides that “upon the death of the owner, ownership and control of the policy . . . shall pass to the estate of the deceased owner.”

Annie was survived by her father, C.D. Pulliam, and siblings, Otis Pulliam and Willie Mae Townsend. No estate was ever opened for Annie. In October 2013, C.D. and Otis provided Alfa with an affidavit stating that they and Willie Mae were Annie’s heirs. In addition, Otis completed an Alfa “Change of

3 Ownership” form that purported to make Otis the owner of the policy, C.D. the contingent owner, Otis and C.D. the primary beneficiaries, and Willie Mae a contingent beneficiary. C.D. alleges that agents or employees of Alfa filled out the form and documentation and directed them to sign. C.D. also alleges that he paid all premiums on the policy after Annie’s death.

Christopher died on November 16, 2014. The record contains a letter dated November 17, 2014, that is addressed to Annie and states as follows: “This is your notification that your recent policy change request has been closed as incomplete.” The record is unclear as to what prompted this letter, which is dated only one day after Christopher’s death but more than one year after Annie died and C.D. and Otis originally attempted to make changes to the policy. According to Alfa, the original attempted policy change was “closed as incomplete” because, in October 2013, Otis and C.D. had “incorrectly filled out a single owner form” rather than a form for multiple owners. As noted above, however, C.D. alleges that agents/employees of Alfa prepared the forms for him and Otis to sign.

On January 23, 2015, Alfa filed an interpleader complaint in the Clay County Chancery Court “to determine the proper beneficiary or beneficiaries of the . . . policy.” Alfa named C.D., Otis, Willie Mae, and Angela as defendants. Alfa stated that C.D. and Otis claimed that they were entitled to the proceeds of the policy as the primary beneficiaries. Alfa also stated that Angela had “not yet filed a claim” but might be entitled to the proceeds, “as she was named the contingent beneficiary by Annie . . . when the policy was purchased.” Alfa stated that it had “not been able to determine which of [them was] legally entitled to the proceeds.” Alfa also filed a motion, which the court granted, to deposit $50,578.46 with the court pursuant to Mississippi Rule of Civil Procedure 22.

C.D. filed an answer and countercomplaint against Alfa. C.D. claimed that he was entitled to the proceeds of the policy, and he asserted counterclaims against Alfa for breach of contract, breach of the duty of good faith and fair dealing, negligence, gross negligence, bad faith failure to adjust and pay an insurance claim, tortious breach of contract, and punitive damages.

Free access — add to your briefcase to read the full text and ask questions with AI

Related

Delta Health Group, Inc. v. Estate of Pope Ex Rel. Payne
995 So. 2d 123 (Mississippi Supreme Court, 2008)
Morton v. City of Shelby
984 So. 2d 323 (Court of Appeals of Mississippi, 2007)
Long v. McKinney
897 So. 2d 160 (Mississippi Supreme Court, 2004)
Simmons v. Thompson MacHinery of Miss., Inc.
631 So. 2d 798 (Mississippi Supreme Court, 1994)
Webb v. Braswell
930 So. 2d 387 (Mississippi Supreme Court, 2006)
C.D. Pulliam v. Alfa Insurance Company
238 So. 3d 620 (Court of Appeals of Mississippi, 2018)
William Donald Collins, Sr. v. City of Newton
240 So. 3d 1211 (Mississippi Supreme Court, 2018)
Crosthwait v. Southern Health Corp. of Houston, Inc.
94 So. 3d 1070 (Mississippi Supreme Court, 2012)

Cite This Page — Counsel Stack

Bluebook (online)
C. D. Pulliam v. Alfa Life Insurance Corporation, Counsel Stack Legal Research, https://law.counselstack.com/opinion/c-d-pulliam-v-alfa-life-insurance-corporation-missctapp-2020.