Opinion ID: 1931103
Heading Depth: 2
Heading Rank: 1

Heading: The Singletons' Complaint

Text: In May 1998, the Singletons sued AmSouth and Protective in the Calhoun Circuit Court alleging that they were sold more credit-life insurance than they needed and seeking to represent a class of similar borrowers charged for alleged excessive credit-life insurance. In their complaint, the Singletons noted that their claims were based on McCullar v. Universal Underwriters Life Insurance Co., 687 So.2d 156 (Ala.1996), where a plurality of this Court held that Alabama's Mini-Code, § 5-19-1 through § 5-19-32, Ala.Code 1975, prohibits the sale of credit-life insurance in an amount greater than the unpaid balance of the loan plus any accumulated interest. The complaint alleged, in pertinent part, as follows: