Nаtional Financial Insurance Company (“NFIC”) appeals the denial of its motion for judgment as a matter of law or in the alternative for new trial in an insurаnce contract suit brought by Dr. Samuel Rand. We affirm in part and reverse in part.
Dr. Rand is a family physician with a practice in Hollywood, Florida. In 1974 and 1975, Dr. Rand purchased two “total disability” insurance policies from Sun Life Insurance Company of America. The policies were later reinsured by NFIC on an indemnity basis. Frоm 1976 to 1980, and again from 1986 to 1991, Dr. Rand collected benefits and stopped paying premiums due to heart attacks that prevented him from practicing mеdicine. In 1991, NFIC denied Dr. Rand’s request for continued benefits, as it no longer judged him to be totally disabled. In 1993, Dr. Rand returned to work, although in a more limited capacity.
In 1996, Dr. Rand received a letter from NFIC stating that because he was totally *1051 disabled, his premiums for one of the policies had been waived. Dr. Rand did not receive a waiver of premiums on his other policy, and did not receive any disability benefits, and therefore continued to work. Two years after waiving the рremiums on one policy, NFIC waived the premiums on his other policy and refunded him money paid on premiums, retroactive to 1992. No benefits were paid to Dr. Rand, even though his policies specified that benefits were due whenever his premiums were waived due to total disability. In 1998, Dr. Rand filed a series of claims for disability benefits after receiving warnings from his doctors that continuing to work was a danger to his health and potentially life-threatening. That same year, Dr. Rand underwent a cardiac procedure. NFIC denied Dr. Rand’s requests for benefits, however, believing that he was not totally disabled because he had sucсessfully worked as a physician from 1993-1998. Dr. Rand then brought this lawsuit.
The case proceeded to trial, and the jury found in favor of Dr. Rand for breach of contraсt and fraudulent misrepresentation. The jury found that Dr. Rand had not failed to submit timely claims, and that he was totally disabled from 1996 to 2001 and entitled to disability payments for thаt period. The jury also found that NFIC made fraudulent misrepresentations to Dr. Rand that resulted in $300,000 in personal injury damages. Two weeks after judgment was entered, NFIC filеd a Motion for Judgment as a Matter of Law or in the Alternative for New Trial. The district court denied the motion.
NFIC argues that Dr. Rand failed to establish that he was totally disabled and that he failed to establish that he gave it timely notice of his disability. It also contends that Dr. Rand failed to establish the elements of fraudulent misrepresentation. NFIC therefore asserts that its motion for judgment as a matter of law should have been granted. Federal Rule of Civil Procedure 50(b), however, requires a movant to move for a directed verdict at the close of all evidence in order to challenge the sufficiency of evidenсe on appeal and NFIC failed to make such a motion.
1
Where the movant has failed to move for a directed verdict at the close оf all evidence, this Circuit in some cases has indicated that we will not conduct any review at all.
See Redd v. Phenix City, Ala.,
NFIC also argues that a new trial should be granted because the district court erred by incorrectly instructing the jury on Florida fraud law.
2
This court
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reviews jury instructions de novo “to determine whether they misstate the law or mislead the jury to the prejudice of the objecting party.”
Palmer v. Board of Regents of the Univ. Sys. of Ga.,
After reviewing the fraud instruction given by the district court, we agree with NFIC that it was сonfusing and erroneous and therefore a new trial should be granted on the fraud count. The trial court instructed that:
To constitute fraud Dr. Rand must also prove that National Financial made the misrepresentation knowingly and intentionally, not as a result of mistake or accident; that is, that National Financial either knew or should have known of the falsity of the misrepresentation .... (emphasis added)
This was a misstatement of Florida fraud law. Under Florida law, “to prove fraud, a plaintiff must establish that the defendant made a deliberate and knowing misrepresentation designed to cause, and actually causing detrimental reliancе by the plaintiff.”
First Interstate Dev. Corp. v. Ablan-edo,
Finally, NFIC argues that a new trial should be granted on the breach of contract claim because the trial court should have instructed the jury on its waiver and estopрel defenses. Reversal for failure to give an instruction is warranted only “if the failure to give the instruction resulted in prejudicial harm to the requesting party.”
Palmer,
*1053 For the foregoing reasons, we AFFIRM the denial of NFIC’s motion for judgment as a matter of law, we REVERSE the denial of NFIC’s new trial motion with respect to thе fraud count, and we AFFIRM the denial of NFIC’s new trial motion with respect to the failure to give waiver and estoppel instructions.
Notes
. NFIC argues that it would have beеn impossible for it to move for a directed verdict after the close of evidence and before the jury began deliberations, because the trial court allowed some evidence to be admitted after the jury had already begun deliberating. This argument might be persuasive if NFIC had made a directed verdict motion at the time the case was submitted to the jury or at the time that evidence was closed. NFIC failed to malte a directed verdict motion at either time, however, and therefore failed to even arguably meet the requirements of Federal Rule of Civil Procedure 50(b).
. A party's failure to move for a directed verdict at the close of evidence does not prevent our review of the district court's denial
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of motion for a new trial. See
United States v. Reisz,