161161P.pdf   08/23/2017  Kenneth Graham  v.  Stonebridge Life Insurance Co.
   U.S. Court of Appeals Case No:  16-1161
   U.S. District Court for the Eastern District of Arkansas - Little Rock   
   [PUBLISHED] [Melloy, Author, with Loken and Murphy, Circuit Judges] 
   Civil case - Insurance. In class action alleging defendant insurers and 
   marketers advertised and sold group disability policies that were void ab 
   initio due to a failure to comply with applicable Arkansas insurance law, 
   the district court did not err in finding plaintiff had standing because 
   if the policies were deemed void ab initio due to non-compliance with 
   state law, plaintiff would have suffered a compensable economic injury 
   fairly traceable to defendants' actions; plaintiff also had standing to 
   purse allegations of injury even if the policies were not void because he 
   could only recover a portion of his paid premiums and had, therefore, a 
   concrete and redressable injury; Arkansas has a three-year statute of 
   limitations on claims for unjust enrichment, and plaintiff's unjust 
   enrichment claim is time-barred; no grounds for tolling exist; while 
   plaintiff's breach of contract claim is not time-barred, the insurer, by 
   plaintiff's own allegations, complied with the policy's provisions for 
   termination, and the claim fails as a matter of law.