228 F.3d 372 (4th Cir. 2000) DOUGLAS Y. TESTER, as Personal Representative of the Estate of Annie Ruth Tester, Deceased, Plaintiff-Appellee, v.RELIANCE STANDARD LIFE INSURANCE COMPANY, Defendant-Appellant. No. 97-1589. UNITED STATES COURT OF APPEALS, FOR THE FOURTH CIRCUIT. Argued: September 24, 1998.Decided: September 25, 2000. Appeal from the United States District Court for the District […]