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221114P.pdf   06/12/2023  Principal National Life Insurance Company  v.  Donna Rothenberg
   U.S. Court of Appeals Case No:  22-1114
   U.S. District Court for the Eastern District of Missouri - St. Louis   
   [PUBLISHED] [Shepherd, Author, with Gruender and Benton, Circuit Judges] 
   Civil case - Insurance. The initial premium on an insurance policy had not 
   been paid prior to the insured's death, and the policy's unambiguous 
   langage dictates that it was not in effect and Principal was not liable 
   for coverage; as a result, the district court did not err in dismissing 
   defendant's vexatious-denial-of-proceeds claim; neither Principal nor its 
   agent owed defendant a duty as the third-party beneficiary of an 
   ineffective insurance policy; the agent did not owe defendant any duty to 
   secure gap coverage for her deceased husband.