Varying accounts and inconsistent medical records listing Saul Guzman as a former, current, and never a smoker nearly cost his family a $250,000 life insurance claim.

The U.S. Court of Appeals for the Fifth Circuit reversed the district court’s decision to grant summary judgment to Allstate Assurance Co., based on a genuine dispute over a material fact. Both sides disputed whether Guzman was a smoker at the time he filled out the life insurance application.

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