May 19, 2016

JUDGMENT The Fourteenth Court of Appeals THE PENN INSURANCE AND ANNUITY COMPANY, AND THE PENN MUTUAL LIFE INSURANCE COMPANY, Appellants NO. 14-14-00986-CV V. CHAD KURIGER, Appellee ________________________________ This cause, an appeal from the judgment in favor of appellee Chad Kuriger, signed November 18, 2014, was heard on the transcript of the record. We have inspected the record and find as a matter of law that there was no breach of contract committed by appellants The Penn Insurance and Annuity Company and The Penn Mutual Life Insurance Company. We therefore order the judgment of the court below REVERSED and RENDER judgment that appellee Chad Kuriger take nothing on his claims.

We further order that all costs incurred by reason of this appeal be paid by appellee Chad Kuriger.

We further order this decision certified below for observance.