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Rose Belle Thorn Rosa M. Thorn, Individually and as Personal Representatives of the Estate of Leroy Thorn, Deceased Robert Pugh Evelyn D. Pugh, on Behalf of Themselves and on Behalf of All Others Similarly Situated v. Jefferson-Pilot Life Insurance Company, as Successor of Pilot Life Insurance Company, American Council of Life Insurers, Amicus Supporting, 445 F.3d 311