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A.L. Williams & Associates Massachusetts Indemnity and Life Insurance Company, Counter-Defendants v. Randy Stelk Timothy Hunter Willard H. Colson, Jr., D/B/A Mid-American Investors, Counter-Claimants, Investors Life Insurance Company of Nebraska, Amerishare Investors, Inc., A.L. Williams & Associates, Inc., Massachusetts Indemnity and Life Insurance Company, Plaintiffs-Counter v. Randy Stelk, Timothy Hunter, Defendants-Counter Claimant-Appellant, Willard H. Colson, Jr., D/B/A Mid-American Investors, Defendant-Counter Claimant-Appellant, Investors Life Insurance Company of Nebraska, Defendant-Counter Amerishare Investors, Inc., Defendant-Counter, 960 F.2d 942