Robert L. Moody, Jr. v. National Western Life Insurance Company and National Western Life Group, Inc. , Ross Rankin Moody

CourtCourt of Appeals of Texas
DecidedDecember 10, 2020
Docket01-18-01106-CV
StatusPublished

This text of Robert L. Moody, Jr. v. National Western Life Insurance Company and National Western Life Group, Inc. , Ross Rankin Moody (Robert L. Moody, Jr. v. National Western Life Insurance Company and National Western Life Group, Inc. , Ross Rankin Moody) 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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Robert L. Moody, Jr. v. National Western Life Insurance Company and National Western Life Group, Inc. , Ross Rankin Moody, (Tex. Ct. App. 2020).

Opinion

Opinion issued December 10, 2020

In The

Court of Appeals For The

First District of Texas ———————————— NO. 01-18-01106-CV ——————————— ROBERT L. MOODY, JR., Appellant V. NATIONAL WESTERN LIFE INSURANCE COMPANY; NATIONAL WESTERN LIFE GROUP, INC.; ROSS RANKIN MOODY; ELVIN JEROME PEDERSON; STEPHEN EDWARD GLASGOW; CHARLES D. MILOS; ERLE DOUGLAS MCLEOD; LOUIS EDWARD PAULS, JR.; AND FRANCES ANNE MOODY-DAHLBERG, Appellees

On Appeal from the 122nd District Court Galveston County, Texas Trial Court Case No. 17-CV-1196 OPINION

Robert L. Moody, Jr. filed a shareholder’s derivative suit challenging business

practices of National Western Life Insurance Company, a wholly owned subsidiary

of National Western Life Group, Inc. Both the businesses and the individual board

members filed pleas to the jurisdiction, which the trial court granted. The trial court

also awarded the defendants a total of $1,314,053.73 in trial attorney’s fees and

expenses and up to $505,000 in appellate attorney’s fees. In three issues on appeal,

Moody Jr. challenges the rulings on the pleas to the jurisdiction, the award of fees

and expenses, and the dismissal of a counterclaim.

We modify the judgment to condition the award of appellate attorney’s fees

on success in the appellate court, and as modified we affirm the trial court’s

judgment.

Background

I. The companies and the family

National Western Life Insurance Company (“National Western”) was

founded in 1956 by Robert L. Moody, who served as Chairman and Chief Executive

Officer of the company until June 2015. National Western is incorporated in

Colorado and has maintained its principal place of business in Austin, Texas since

1963. In 1968, National Western acquired by merger a company that had in force

numerous policies insuring citizens of Central and South America. National Western

2 assumed these international policies and thereafter accepted by mail applications for

insurance from residents of other countries. National Western took the position that

it did not need to be licensed in other countries because it was licensed in Texas,

received applications and issued policies in Texas, and worked only with

independent international brokers.1

Robert L. Moody, Jr. (“Moody Jr.”) is the eldest son of Robert L. Moody

(“Moody Sr.”). Moody Jr. owns Moody Insurance Group, Inc. (“Moody Insurance”),

an insurance marketing business. By contract, both Moody Insurance and Moody

Jr., individually, are “independent contractor” agents for National Western. They

earn commissions for sales of National Western products based on standard

commission schedules. Moody Jr. purchased shares of National Western between

2008 and January 1, 2012.

1 In both its brochures and policies, National Western included disclamatory language about its sales to international residents.

National Western Life Insurance Company offers a full line of life insurance and annuity products through general independent agencies in 49 states, the District of Columbia, four U.S. territories or possessions, and Haiti. The Company does not maintain offices in any other country, but it does accept applications at its Home Office in Austin, Texas from—and issues policies to—non-U.S. residents.

As the Company makes no representation regarding the advisability, suitability, or legality of your application for, and purchase of, a policy from the Company, you should consult with your own independent advisors if you have questions. 3 Ross Rankin Moody is Moody Jr.’s younger brother, and he has been

President and Chief Operating Officer of National Western since 2000. Other family

members who serve on the board of directors of National Western include: Moody

Jr.’s stepmother, Ann M. Moody; his half-sister, Frances A. Moody-Dahlberg; and

his stepmother’s brother, E. Douglas McLeod.

In the early 2000s, National Western’s issuance of policies to non-U.S.

residents increased steeply. Texas insurance regulators raised concerns about

National Western’s activities in Argentina and Russia. Based on advice of counsel,

National Western responded in writing that it “does not market or solicit products in

foreign countries” and that it works with independent brokers abroad.2

II. The Brazilian enforcement action

In 2005, a Brazilian court entered a default judgment against National Western

for wrongful refusal to pay a life insurance claim.3 As a result of that judgment, the

2 National Western’s counsel also acknowledged that there was a “possibility of money laundering attempts” in various aspects of its business, and around 2002, National Western implemented an anti-money-laundering program. In addition, between 2000 and 2010, National Western developed new products for the international market, approval for which was obtained from Moody Sr. In January 2000, Moody Insurance executed its executive general agent contract with National Western. 3 See Naves v. Nat’l W. Life Ins. Co., No. 03-08-00525-CV, 2009 WL 2900755, at *1 (Tex. App.—Austin Sept. 10, 2009, pet. denied) (mem. op.). Naves later attempted to domesticate the judgment, but Texas courts concluded that the Brazilian court lacked jurisdiction over National Western. Id. 4 Brazilian regulatory authority (“SUSEP”)4 initiated an infraction proceeding against

National Western, alleging that it had operated as an insurance company without due

authorization. In 2011, SUSEP assessed an ex parte penalty in an amount equal to

about $6 billion U.S.5 When National Western learned of the fine in late October

2011, it obtained an additional legal opinion from a Brazilian law firm confirming

its position that Brazilian law did not prohibit it from issuing policies to Brazilian

residents or bring it within the jurisdiction of Brazilian authorities.

National Western disclosed the situation in 2011 and 2012 Securities and

Exchange Commission filings. On advice of counsel, National Western appeared in

the Brazilian infraction proceeding, and on further appeal the fine was reduced to

approximately $960,000 U.S. National Western paid the fine without admitting

liability and stopped selling insurance policies to Brazilian residents. Brazilian

authorities then opened a criminal investigation regarding the sales of insurance to

its residents.

4 SUSEP is an acronym for the Portuguese term for the Superintendence of Private Insurance. 5 SUSEP determined that it had jurisdiction over National Western, relying in part on National Western’s website, which boasted that it had a presence in Brazil for 26 years. In imposing the $6 billion penal fine, SUSEP concluded that the independent, non-exclusive, commission-only Brazilian brokers constituted a “sales force” of National Western representatives. 5 Meanwhile, in 2013 National Western hired Price Waterhouse to study the

feasibility of becoming licensed to sell insurance in Brazil. The study concluded it

would not be profitable to operate in that manner because National Western’s

business advantage was the ability to denominate policies in stable U.S. dollars as

opposed to the volatile Brazilian real.

III. Creation of the holding company

In March 2015, National Western Life Group, Inc. (“Group”) was

incorporated in Delaware.6 National Western shares were converted one-for-one to

shares in Group, which holds all of the currently issued stock of National Western.

Group does not issue insurance or conduct any insurance business.

IV.

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