Case Name: Anita L. DORMER, M.D., Plaintiff-Counter-Defendant-Appellant, v. NORTHWESTERN MUTUAL LIFE INSURANCE CO., Defendant-Counter-Claimant-Appellee
Court: United States Court of Appeals for the Second Circuit
Jurisdiction: United States
Decision Date: 2011-02-02
Citations: 408 F. App'x 452
Docket Number: No. 10-0227-cv
Parties: Anita L. DORMER, M.D., Plaintiff-Counter-Defendant-Appellant, v. NORTHWESTERN MUTUAL LIFE INSURANCE CO., Defendant-Counter-Claimant-Appellee.
Judges: PRESENT: GUIDO CALABRESI, GERARD E. LYNCH, Circuit Judges, and J. GARVAN MURTHA, District Judge.
Reporter: West's Federal Appendix
Volume: 408
Pages: 452–455

Head Matter:
Anita L. DORMER, M.D., Plaintiff-Counter-Defendant-Appellant, v. NORTHWESTERN MUTUAL LIFE INSURANCE CO., Defendant-Counter-Claimant-Appellee.
No. 10-0227-cv.
United States Court of Appeals, Second Circuit.
Feb. 2, 2011.
Parker Waggaman, New York, NY, for Appellant.
Michelle J. d’Arcambal, d’Arcambal Levine & Ousley, LLP, New York, NY, for Appellee.
PRESENT: GUIDO CALABRESI, GERARD E. LYNCH, Circuit Judges, and J. GARVAN MURTHA, District Judge.
The Clerk of Court is directed to amend the official caption to conform to the listing of the parties above.
Honorable J. Garvan Murtha of the United States District Court for the District of Vermont, sitting by designation.

Opinion:
SUMMARY ORDER
Dr. Anita Dormer appeals from a judgment dismissing her complaint against Northwestern Mutual Life Insurance Company ("Northwestern") and rescinding her insurance policies. We assume the parties' familiarity with the underlying facts and procedural history, which we reference only as necessary to explain our decision.
Under New York Insurance Law, an insurer may only rescind an insurance policy that, like Dormer's, has been in effect for over two years if the insurer can "identify a material misrepresentation in the [insured's] application that was intended to defraud the insurer." Dwyer v. First Unum Life Ins. Co., 41 A.D.3d 115, 837 N.Y.S.2d 635, 636 (1st Dep't 2007), citing N.Y. Ins. Law § 3216(d)(l)(B)(i). After a two-day bench trial, the district court concluded that Dormer's failure to fully disclose her history of chronic fatigue syndrome, Bell's palsy, and back pain when applying for disability insurance constituted an intentional and material misrepresentation and permitted Northwestern to rescind Dormer's policies.
Dormer has barely challenged the district court's finding with respect to the factual falsity or materiality of the representations in question. She therefore may be treated as having abandoned any challenge to the district court's finding on those issues. See JP Morgan Chase Bank v. Altos Hornos de Mex., S.A. de C.V., 412 F.3d 418, 428 (2d Cir.2005). In any event, Northwestern's underwriting guidelines and uncontroverted trial testimony from a Northwestern underwriter make clear that, had Dormer been forthright in her insurance applications, her applications would have been denied. Under New York law, that evidence amply established materiality. See Crotty v. State Mut. Life Assur. Co. of Am., 80 A.D.2d 801, 437 N.Y.S.2d 103, 104 (1st Dep't 1981); Myers v. Equitable Life Assur. Soc'y of the U.S., 60 A.D.2d 942, 401 N.Y.S.2d 325, 326 (3d Dep't 1978).
? Dormer insists that the record does not support the district court's factual finding that she intended to defraud Northwestern. We review that finding for clear error. See Ostano Commerzanstalt v. Telewide Sys., Inc., 880 F.2d 642, 649 (2d Cir.1989).
The record contains more than enough evidence of Dormer's intent to defraud to support the district court's finding. In applying for disability insurance, Dormer routinely denied suffering from illnesses that she later admitted to having and otherwise misstated her medical history. For example, Dormer's applications denied any muscle weakness, but she later admitted to a history of facial weakness leading to a diagnosis of myasthenia gravis. Dormer also claimed that her physician had concluded that "all [was] normal" after a recent examination, but medical records from that doctor reveal complaints ranging from hypotension to shoulder pain. Simi larly, even though Dormer was on disability for at least six months in 1993, she denied having previously received any disability payments. A reasonable factfinder could easily infer that this pattern of minimizing an adverse medical history, in connection with a disability insurance application, could not have been accidental and must have been intended to reduce the risk that the application would be denied.
Moreover, Dormer's misrepresentations continued in her trial testimony. The district court noted numerous examples of "false or misleading" testimony and concluded that Dormer's answers "seemed designed . to place the best possible gloss on a momentary issue even if it was inconsistent with testimony she gave on some other related issue." These credibility findings by the trier of fact are entitled to deference, Wade v. Orange County Sheriff's Office, 844 F.2d 951, 955 (2d Cir.1988), and in any event we see no error in them. This lack of candor supports the inference created by the factual record that Dormer acted with fraudulent intent. We therefore find no error, let alone clear error, in the district court's finding that Dormer's misrepresentations were intentional and intended to mislead the insurer.
For the foregoing reasons, the judgment of the district court is AFFIRMED.