Citizens, Inc. CICA Life Ltd. And Cica Life Insurance Company of America v. Randall H. Riley Citizens American Life, LLC Citizens American Life, Inc. Alexis Enrique Delgado Carlos Nalsen Landa Enrique Pinzon Ruiz Johan Emilio Mikuski Silva And Esperanza Peralta De Delgado

CourtCourt of Appeals of Texas
DecidedAugust 31, 2020
Docket03-19-00560-CV
StatusPublished

This text of Citizens, Inc. CICA Life Ltd. And Cica Life Insurance Company of America v. Randall H. Riley Citizens American Life, LLC Citizens American Life, Inc. Alexis Enrique Delgado Carlos Nalsen Landa Enrique Pinzon Ruiz Johan Emilio Mikuski Silva And Esperanza Peralta De Delgado (Citizens, Inc. CICA Life Ltd. And Cica Life Insurance Company of America v. Randall H. Riley Citizens American Life, LLC Citizens American Life, Inc. Alexis Enrique Delgado Carlos Nalsen Landa Enrique Pinzon Ruiz Johan Emilio Mikuski Silva And Esperanza Peralta De Delgado) is published on Counsel Stack Legal Research, covering Court of Appeals of Texas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

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Citizens, Inc. CICA Life Ltd. And Cica Life Insurance Company of America v. Randall H. Riley Citizens American Life, LLC Citizens American Life, Inc. Alexis Enrique Delgado Carlos Nalsen Landa Enrique Pinzon Ruiz Johan Emilio Mikuski Silva And Esperanza Peralta De Delgado, (Tex. Ct. App. 2020).

Opinion

TEXAS COURT OF APPEALS, THIRD DISTRICT, AT AUSTIN

NO. 03-19-00560-CV

Citizens, Inc.; CICA Life Ltd.; and CICA Life Insurance Company of America, Appellants

v.

Randall H. Riley; Citizens American Life, LLC; and Citizens American Life, Inc., Appellees

FROM THE 419TH DISTRICT COURT OF TRAVIS COUNTY NO. D-1-GN-18-006739, THE HONORABLE AMY CLARK MEACHUM, JUDGE PRESIDING

MEMORANDUM OPINION

This is an interlocutory appeal from the trial court’s denial of an application for a

temporary injunction. See Tex. Civ. Prac. & Rem. Code § 51.014(a)(4) (permitting interlocutory

appeal of order that refuses temporary injunction). Appellee Randall H. Riley worked for

appellants Citizens, Inc.; CICA Life Ltd.; and CICA Life Insurance Company of America

(collectively, “CICA”)1 as a marketing executive focused on selling life insurance policies to

foreign nationals. CICA terminated his employment in 2015, after which Riley took steps to

found his own insurance company by creating appellees Citizens American Life, LLC, and

Citizens American Life, Inc. (collectively, CALI). CICA sued Riley and CALI for unfair

competition, tortious interference with a contract, and misappropriation of trade secrets. CICA

1 Citizens, Inc., is the parent company of CICA Life Ltd. and CICA Life Insurance Company of America. applied for a temporary injunction to prevent appellees from engaging in a host of activities that

CICA alleges continue to cause it irreparable harm, including selling any insurance product or

policy. The district court denied the application. CICA contends that the district court abused its

discretion by denying the application. We will affirm.

BACKGROUND

In 1969, Riley’s father, Harold Riley, founded CICA, a life insurance company

that earned most of its revenue by selling life insurance policies to foreign nationals. Harold

hired Riley in 1987 as an employee of CICA Life Ltd. to develop a marketing structure in Chile.

Riley lived in Chile for about three years while developing a marketing program. Riley testified

that his father wanted him to learn Spanish and learn about Latin American cultures so that he

could more effectively interact with the independent consultants CICA contracted with to sell its

insurance policies. Both Riley and his father befriended many of the independent consultants

who contracted with their company. Riley returned to the United States in 1991 to become the

international marketing director and served in that role until 1997. As part of his job, Riley

helped revise CICA’s policies based on comparisons between the policies CICA offered and the

policies, pricing, and other materials he reviewed from other companies. In 1997, Riley

resigned. He returned to CICA in 2006 and again served as international marketing director on

the condition that he would not be involved in anything “but international marketing.” Riley

testified that in 2014, he heard that CICA’s executives were discussing “pulling the company out

of the international market.” He stated that he “didn’t take it to heart because it was, I think, they

testified 70-75 percent of the business.” However, as the conversations about CICA leaving the

international market continued, Riley learned that CICA had failed to report taxable income and

2 might become bankrupt, meaning that they would no longer be operating in the international

market. Riley’s father retired in June 2015. Riley was terminated in October 2015.

After his termination, Riley began planning to found a life insurance company of

his own, and he created Citizens American Life, LLC and Citizens American Life, Inc. Riley

explained that he chose names and symbols for these companies because it was “a continuance

of what my father had done and created and what I had been a major part in, because of the

success I had building the sales force.” Riley also testified that CICA was “going to pull out of

the market” in Latin America and that he believed his names would not cause confusion because

CICA worked under the name “CICA Life, and we were Citizens American Life.” Riley hired

Jonathan Pollio, an actuary who had worked at CICA, to create actuarial information for CALI to

use in developing its products. He also eventually recruited other former CICA employees and

independent consultants to work with CALI. Riley used premium rates, dividends, cash values

and other information from CICA’s publicly available policies to develop his insurance products.

In October 2017, First Trinity Financial contacted Riley to express interest in

having CALI assist First Trinity in developing an international marketing program. First Trinity

purchased CALI, and Riley now oversees the marketing of First Trinity’s products in Latin

America. Riley testified that for a short period of time during “the changeover” “we had to

continue operating as [CALI] until [First Trinity] could get their systems functioning so we could

issue the policy in Trinity American.” Riley now markets First Trinity’s products through the

entity International Marketing Group SA, LLC (IMG). IMG does not set premium rates, issue

policies, handle policy applications, or develop actuary information. IMG’s logo does not

resemble those of CALI or CICA, which also has a new logo, even though CICA argues that any

3 logo similar to its old logo would continue to cause confusion among its customers because the

old logo appears on insurance policies still in circulation.

In May 2018, CICA stopped accepting new policy applications in Brazil, which

had been one of its highest producing countries and which CICA acknowledged would have a

negative impact on its ability to retain independent consultants. As a result, Riley significantly

expanded his independent consultant network in Brazil such that IMG “primarily” markets

policies in Brazil, though it has also sold policies in Chile, Uruguay, Argentina, Venezuela,

Colombia, and Ecuador.

In November 2018, CICA sued Riley, CALI, and former CICA independent

consultants Alexis Enrique Delgado, Carlos Nalsen Landa, Enrique Pinzon Ruiz, Johan Emilio

Mikuski Silva, and Esperanza Peralta De Delgado, who are all associated with a company called

Los Raudales.2 CICA sued Riley and CALI for unfair competition, tortious interference with a

contract, and misappropriation of trade secrets. Riley and CALI moved to dismiss the appeal

pursuant to the Texas Citizens Participation Act (TCPA). See Tex. Civ. Prac. & Rem. Code

§§ 27.001-.011.3 CICA responded to the TCPA motion, attaching over 900 pages of evidence to

its response to support its prima facie case for each essential element of its claims. Following a

hearing, the district court denied the TCPA motion to dismiss on April 11, 2019. CICA asserts

that it had continued its investigation into CALI and Riley while the litigation was stayed in the

2 CICA did not seek a temporary injunction against the Los Raudales defendants, and they are not parties to this appeal. 3 The TCPA was amended in the 2019 legislative session, but those amendments do not apply to this lawsuit, which was filed before the amendments’ effective date. See Act of May 17, 2019, 86th Leg., R.S., ch. 378, §§ 11, 12, 2019 Tex. Gen. Laws 684, 687 (amendments to TCPA apply “only to an action filed on or after” September 1, 2019).

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Citizens, Inc. CICA Life Ltd. And Cica Life Insurance Company of America v. Randall H. Riley Citizens American Life, LLC Citizens American Life, Inc. Alexis Enrique Delgado Carlos Nalsen Landa Enrique Pinzon Ruiz Johan Emilio Mikuski Silva And Esperanza Peralta De Delgado, Counsel Stack Legal Research, https://law.counselstack.com/opinion/citizens-inc-cica-life-ltd-and-cica-life-insurance-company-of-america-v-texapp-2020.