*824Order

Mr. Timothy L. Williams and Ms. Anne R. Wurl appeal from the judgment of the Circuit Court of Jackson County, Missouri, directing a verdict in favor of Farm Bureau Town and Country Insurance Company on claims for breach of contract and vexatious refusal to pay. There being no precedential value in a published opinion, we have instead provided the parties an unpublished memorandum of law explaining our ruling. We affirm. Rule 84.16(b).