Document ID: s3://data.kl3m.ai/documents/govinfo/USCOURTS/USCOURTS-ca10-92-01184/USCOURTS-ca10-92-01184-0/pdf.json

Parties Involved:
Golden Rule Insurance Company
Appellee
Lisa A. Greenfield
Appellant

Document Text:

FIL oL• v 

UniU!d States Court of Appeals 

UNITED STATES COURT OF APPEALS Tenth Circuit 

FOR THE TENTH CIRCUIT 

GOLDEN RULE INSURANCE COMPANY, 

Plaintiff-CounterDefendant-Appellee, 

) 

) 

) 

) 

) 

APR 19 1993 

ROBERT L. HOECKER 

Clerk . 

v. ) No. 92-1184 

) (D.C. No. 91-B-345) 

LISA A. GREENFIELD, ) (D. Colo.) 

Defendant Counterclaimant, 

Third-Party PlaintiffAppellant. 

) 

) 

) 

) 

ORDER AND JUDGMENT* 

Before SEYMOUR and ANDERSON, Circuit Judges, and RUSSELL,** 

District Judge. 

**Honorable David L. Russell, District 

District Court for the Western District of 

designation. 

Judge, United States 

Oklahoma, sitting by 

After examining the briefs and appellate record, this panel 

has determined unanimously that oral argument would not materially 

assist the determination of this appeal. See Fed. R. App. P. 

34(a); 10th Cir. R. 34.1.9. 

submitted without oral argument . 

* 

The case is therefore ordered 

This order and judgment has no precedential value and shall 

not be cited, or used by any court within the Tenth Circuit, 

except for purposes of establishing the doctrines of the law of 

the case, res judicata, or collateral estoppel. 10th Cir. R. 

36.3. 

Appellate Case: 92-1184 Document: 010110212761 Date Filed: 04/19/1993 Page: 1 
Defendant Lisa A. Greenfield appeals the district court's 

order granting plaintiff Golden Rule Insurance Company summary 

judgment on its claim seeking to rescind a health insurance policy 

it issued defendant based upon misstatements that she made in her 

application. We review a summary judgment decision de nova, 

~pplied Genetics Int'l , Inc. v . First Affiliated Sec., Inc., 912 

F.2d 1238, 1241 (10th Cir. 1990 ) , viewing the record in the light 

most favorable to the nonmoving party, Deepwater Invs .• Ltd. v. 

Jackson Hole Ski Corp . , 938 F.2d 1105, 1110 (10th Cir. 1991). 

Summary judgment is appropriate only if there is no genuinely 

disputed issue of material fact and the moving party is entitled 

to judgment as a matter of law. Fed. R. Civ. P. 56(c ) . The 

parties agree that Colorado law controls. 

In order to be entitled to rescind an insurance policy based 

upon misrepresentations in the application, the insurer must 

establish that 1 ) the applicant made a false statement of fact or 

concealed a fact in her application; 2) the applicant knowingly 

made the false statement or knowingly concealed the fact; 3) the 

false statement or concealed fact materially affected either the 

insurer's acceptance of risk or the hazard assumed by the insurer; 

4 ) the insurer was ignorant of the false statement or concealment 

of fact and is not chargeable with knowledge of the fact; and 

5 ) the insurer relied, to its detriment, on the false statement or 

concealment of fact in issuing the policy. Hollinger v. Mutual 

Benefit Life Ins. Co ., 560 P.2d 824, 827 (Col o. 1977) . Defendant 

asserts that the district court erred in determining that there 

were no genuinely disputed questions concerning these elements. 

2 

Appellate Case: 92-1184 Document: 010110212761 Date Filed: 04/19/1993 Page: 2 
Upon careful consideration of the parties' arguments and the 

record on appeal, we affirm the district court's decision. There 

were no genuinely disputed material issues of fact and plaintiff 

was entitled to judgment as a matter of law. 

The judgment of the United States District Court for the 

District of Colorado is AFFIRMED. 

Entered for the Court 

Stephen H. Anderson 

Circuit Judge 

3 

Appellate Case: 92-1184 Document: 010110212761 Date Filed: 04/19/1993 Page: 3 
Appellate Case: 92-1184 Document: 010110212761 Date Filed: 04/19/1993 Page: 4