Bates v. Bankers Life & Casualty Co. (993 F. Supp. 2d 1318, 2014)

United States District Court for the District of Oregon 2014-01-27

Citations

Full opinion text

OPINION AND ORDER

PAPAK, United States Magistrate Judge.

Named plaintiffs Eileen Burk, David Youngbluth, Charles Ehrman Bates, and Lorraine Bates filed this putative class action against their insurer Bankers Life and Casualty Company (“Bankers”), Bankers’ intermediate and ultimate parent companies CDOC, Inc. (“CDOC”), and CNO Financial Group, Inc. (“CNOFG”), individual defendant James Peterson, and ten corporate Doe defendants on April 4, 2013. On May 31, 2013, plaintiffs amended their complaint, abandoning their claims against Peterson and the corporate Doe defendants, adding Bankers’ intermediate parent company Conesco Life Insurance Company of Texas (“CLIC”) as an additional defendant, and adding David Castagno, Darla Castagno, Thomas Marier, and Dolores Marier as additional named plaintiffs. Effective October 23, 2013, plaintiffs amended their complaint a second time, abandoning their claims against Bankers’ intermediate parent companies CDOC and CLIC. The parties’ dispute arises out of the remaining defendants’ alleged conduct in connection with the issuance of long-term health-care insurance policies to the plaintiffs, with raising plaintiffs’ insurance premiums owed under those policies without commensurate increase in the benefits available thereunder, and with the handling and disposition of claims filed under the policies. By and through their second amended complaint, plaintiffs allege Bankers’ and CNOFG’s liability for elder abuse in violation of Oregon statutory law, breach of contract and of the implied covenant of fair dealing, fraudulent inducement to enter into the subject insurance agreements, and a tort styled as “intentional misconduct.” Plaintiffs argue both that CNOFG may be found directly liable on each of their claims and, alternatively, that CNOFG may be found vicariously liable on their claims either on an alter ego or an agency theory. This court has subject-matter jurisdiction over plaintiffs’ claims pursuant to 28 U.S.C. § 1332, based on the complete diversity of the parties and the amount in controversy.

Now before the court are CNOFG’s motion (# 29) to dismiss for failure to state a claim and for lack of personal jurisdiction, defendants’ motion (# 32) to strike plaintiffs’ class action allegations from their pleading, and defendants’ motion (# 39) to dismiss plaintiffs’ elder abuse, fraud, and intentional misconduct claims in their entirety and to dismiss plaintiffs’ breach claim in part. I have considered the motions, oral argument on behalf of the parties, and all of the pleadings and papers on file. For the reasons set forth below, CNOFG’s motion (#29) to dismiss is granted on personal jurisdictional grounds as to plaintiffs’ fraud in the inducement claim to the extent alleged against CNOFG, and otherwise denied (in part as moot and in part on its merits, as discussed below), defendants’ motion (#32) to strike class allegations is granted, and defendants’ motion (#39) to dismiss is granted with prejudice as to plaintiffs’ elder abuse and intentional misconduct claims in their entirety, with prejudice as to plaintiffs’ fraud claim to the extent premised on a theory of fraudulent inducement to continue paying policy premiums pursuant to pre-existing insurance contracts, without prejudice as to plaintiffs’ fraud claim to the extent premised on a theory of fraudulent inducement to enter into the insurance policies in the first instance, with prejudice as to the breach claims brought by the Castagno plaintiffs in their entirety and as to the breach claims brought by plaintiffs Charles Ehrman Bates and Dolores Mari-er to the extent premised solely on those plaintiffs’ concern regarding possible future breach, and with prejudice as to the breach claims brought by plaintiffs Charles Ehrman Bates, David Youngbluth, and Dolores Marier to the extent brought on those plaintiffs’ own behalf rather than on behalf of those plaintiffs’ family members who sought benefits under their Bankers policies, and is otherwise denied.

LEGAL STANDARDS

I. Motion to Dismiss for Lack of Personal Jurisdiction

A motion to dismiss for lack of personal jurisdiction is governed by Federal Civil Procedure Rule 12(b)(2). See Fed.R.Civ.P. 12(b)(2). “In opposition to a defendant’s motion to dismiss for lack of personal jurisdiction, the plaintiff bears the burden of establishing that jurisdiction is proper.” Boschetto v. Hansing, 539 F.3d 1011, 1015 (9th Cir.2008), citing Sher v. Johnson, 911 F.2d 1357, 1361 (9th Cir.1990). In evaluating the defendant’s motion, “[t]he court may consider evidence presented in affidavits to assist it in its determination and may order discovery on the jurisdictional issues.” Doe v. Unocal Corp., 248 F.3d 915, 922 (9th Cir.2001), citing Data Disc, Inc. v. Systems Technology Assoc., Inc., 557 F.2d 1280, 1285 (9th Cir.1977). If the court decides the motion based on the pleadings and affidavits submitted by the parties without conducting an evidentiary hearing, “the plaintiff need make only a prima facie showing of jurisdictional facts to withstand the motion to dismiss.” Id., quoting Ballard v. Savage, 65 F.3d 1495, 1498 (9th Cir.1995). In the absence of such an evidentiary hearing, the court accepts uncontroverted allegations contained within the plaintiffs complaint as true, and resolves conflicts between statements contained within the parties’ affidavits in the plaintiffs favor. See id.

II. Motion to Dismiss for Failure to State a Claim

To survive dismissal for failure to state a claim pursuant to Rule 12(b)(6), a complaint must contain more than a “formulaic recitation of the elements of a cause of action;” specifically, it must contain factual allegations sufficient to “raise a right to relief above the speculative level.” Bell Atlantic Corp. v. Twombly, 550 U.S. 544, 555, 127 S.Ct. 1955, 167 L.Ed.2d 929 (2007). To raise a right to relief above the speculative level, “[t]he pleading must contain something more ... than ... a statement of facts that merely creates a suspicion [of] a legally cognizable right of action.” Id., quoting 5 C. Wright & A. Miller, Federal Practice and Procedure § 1216, pp. 235-236 (3d ed.2004); see also Fed.R.Civ.P. 8(a). Instead, the plaintiff must plead affirmative factual content, as opposed to any merely conclusory recitation that the elements of a claim have been satisfied, that “allows the court to draw the reasonable inference that the defendant is liable for the misconduct alleged.” Ashcroft v. Iqbal, 556 U.S. 662, 129 S.Ct. 1937, 1949, 173 L.Ed.2d 868 (2009). “In sum, for a complaint to survive a motion to dismiss, the non-conclusory ‘factual content,’ and reasonable inferences from that content, must be plausibly suggestive of a claim entitling the plaintiff to relief.” Moss v. United States Secret Serv., 572 F.3d 962, 970 (9th Cir.2009), citing Iqbal, 129 S.Ct. at 1949.

“In ruling on a 12(b)(6) motion, a court may generally consider only allegations contained in the pleadings, exhibits attached to the complaint, and matters properly subject to judicial notice.” Swartz v. KPMG LLP, 476 F.3d 756, 763 (9th Cir.2007). In considering a motion to dismiss, this court accepts all of the allegations in the complaint as true and construes them in the light most favorable to the plaintiff. See Kahle v. Gonzales, 474 F.3d 665, 667 (9th Cir.2007). Moreover, the court “presume[s] that general allegations embrace those specific facts that are necessary to support the claim.” Nat’l Org. for Women v. Scheidler, 510 U.S. 249, 256, 114 S.Ct. 798, 127 L.Ed.2d 99 (1994), quoting Lujan v. Defenders of Wildlife, 504 U.S. 555, 561, 112 S.Ct. 2130, 119 L.Ed.2d 351 (1992). The court need not, however, accept legal conclusions “cast in the form of factual allegations.” Western Mining Council v. Watt, 643 F.2d 618, 624 (9th Cir.1981).

III. Motion to Strike Class Allegations

In conducting an action under [Federal Civil Procedure Rule 23], the court may issue orders that:

* Hi :¡i

(D) require that the pleadings be amended to eliminate allegations about representation of absent persons and that the action proceed accordingly; or

(E) deal with similar procedural matters.

Fed.R.Civ.P. 23(d).

FACTUAL BACKGROUND

I. The Parties

A. Defendants

Defendant Bankers is a Delaware corporation with its principal place of business in Illinois, engaged in the business of issuing and selling insurance policies, including elder disability care and long-term healthcare policies such as those purchased from it by some of the named plaintiffs. Bankers is a wholly-owned indirect corporate subsidiary of defendant CNOFG.

CNOFG is a Delaware corporation with its principal place of business in Delaware. Plaintiffs allege that CNOFG (and/or its immediate corporate predecessor entity) at all material times oversaw Bankers’ activities in marketing long-term health-care policies to older Oregonians, and played a direct role in reviewing and processing claims filed under such policies. Plaintiffs further allege that in the ordinary course of business CNOFG exercises “day-to-day management and control over Bankers,” including by providing all human resources, public relations, legal affairs, product development, and employee training services and functionality to Bankers. Moreover, plaintiffs allege that it was William Kirsch, the CEO of CNOFG, who in 2005 was the architect of the policies and procedures complained of here, and who specifically and expressly required Bankers to begin denying legitimate claims under Bankers’ long-term health-care policies and to create obstacles intentionally calculated to make filing such claims more burdensome for Bankers’ insureds.

B. Plaintiffs

Each of the named plaintiffs, like the members of the proposed classes the named plaintiffs purportedly represent, is (and at all material times was) an individual resident of Oregon. Each of the named plaintiffs other than Youngbluth, who is the son of named plaintiff Eileen Burk, was issued a long-term health-care insurance policy by Bankers.

As discussed in greater detail below, the Bateses (Charles Ehrman Bates and Lorraine Bates), the Burk family (Eileen Burk and her uninsured son David Youngbluth), and the Mariers (Thomas Marier and Dolores Marier) each allegedly pursued a claim or claims under their respective policies with only partial success, and allege that Bankers has both failed to pay certain covered expenses and breached their insurance contract in other ways, including by intentionally delaying payments and by failing to waive further premiums as provided under the policy. Specifically, the Bateses allegedly pursued a claim for benefits on behalf of Lorraine Bates, the Burk family allegedly pursued a claim for benefits on behalf of Eileen Burk, and the Mariers allegedly pursued a claim for benefits on behalf of Thomas Marier.

The Castagnos (David Castagno and Darla Castagno), by contrast, have never attempted to file a claim under their policy, but rather are concerned that should they need to avail themselves of the coverage they believed they were promised when they purchased the policy, Bankers will delay payment, deny coverage in whole or in part, and otherwise breach their agreement in the same manner as it allegedly did in connection with the claims filed on behalf of Lorraine Bates, Eileen Burk, and Thomas Marier.

The plaintiffs propose three classes of absent plaintiffs purportedly similarly situated to the named plaintiffs: (i) Oregonian policy-holders whose claims have been mishandled by Bankers through a combination of delay and nonpayment of claims between 2005 and the present, notwithstanding the insureds’ timely payment of all policy premiums (plaintiffs’ “Class A,” putatively represented by Lorraine Bates, Eileen Burk, and Thomas Marier), (ii) family members and other representatives of such Oregonian policy-holders who have incurred expenses in the course of attempting to obtain benefits for their policy-holder family members under their policies (plaintiffs’ “Class B,” putatively represented by Charles Ehrman Bates, David Youngbluth, and Dolores Marier), and (iii) Oregonian policy-holders who have paid all policy premiums on a timely basis and who have not yet filed any claim under their policies (plaintiffs’ “Class C,” putatively represented by Charles Ehrman Bates, Dolores Marier, David Castagno, and Darla Castagno).

II. History of the Parties’ Dispute

Bankers is in the business of selling annuities and elder disability care insurance policies to older Oregonians. Bankers aggressively marketed long-term health-care insurance policies to this demographic despite its awareness, by not later than 2005, that it would be unable to comply with its obligations under those policies due to rising health care costs and due to increased projected longevity among its insured population. At the time of sale of such a policy, Bankers would advise purchasers to “review carefully all policy limitations,” but would provide neither a copy of the policy itself nor a summary of all applicable limitations, but rather only a misleading summary of select policy provisions.

In addition, defendants “developed onerous procedures” calculated to discourage policyholders from pursuing valid claims for insurance benefits under the policies and to delay and deny such claims improperly, including the following:

(A) [Bankers’] [e]mployees were prohibited from responding to policy holders by telephone;

(B) Defendants abandoned or denied claims without notifying policy holders;

(C) Defendants routinely lost claim forms, medical records and other documentation provided by plaintiffs;

(D) Employees were not allowed to contact one another to resolve disputes about claims;

(E) Defendants denied claims because of missing records, even though such records had been provided to them, sometimes repeatedly;

(F) Defendants systematically denied claims on the false grounds that the policy-holder’s elder disability care providers were not “licensed” or otherwise did not comply with the policy requirements, even though Oregon law does not require care givers to be licensed;

(G) Defendants routinely paid less than what the claimants were owed under the terms of their policies; [and]

(H) Defendants would demand that policy holders continue paying premiums even though the policies’ “waiver” provision suspended premiums while policy holders or their spouses received benefits.

Second Amended Complaint, ¶ 37.

Charles Ehrman and Lorraine Bates purchased a long-term health-care policy from Bankers (Policy No. 980,155,343 or the “Bates policy”) on or around June 30, 1998. In December 2009, Lorraine Bates moved into an elder care facility, and her husband Charles Ehrman Bates submitted a claim to Bankers on her behalf, seeking reimbursement of the costs thereby incurred. In September 2010, Bankers denied coverage on spurious grounds. Shortly thereafter, the Bateses retained the services of an attorney who pursued their claim against Bankers. In June 2011, Bankers agreed to pay the Bates’ claim retroactively to July 9, 2010, but refused to cover the Bates’ expenses incurred between December 2009 and July 2010. The Bateses continue to pay premiums under their Bankers policy, notwithstanding policy provisions that waive premiums following 90 consecutive days of benefits paid under the policy.

Elieen Burk purchased a long-term health-care policy from Bankers (Policy No. 950,193,392 or the “Burk policy”) on or around July 27, 1995. In December 2008, Burk moved into an assisted living facility, and her son Youngbluth attempted to submit a claim to Bankers on her behalf, seeking reimbursement of the costs thereby incurred. Youngbluth was unsuccessful in his efforts to submit the claim, due to the failure of Bankers’ employees and of the insurance agent who initially sold the policy to Burk to assist him or to respond to his inquiries. Youngbluth retained counsel to assist him, and his attorney ultimately submitted Burk’s claim with supporting materials in April 2009. In May 2009, Bankers agreed to pay the claim retroactively to March 31, 2009, but failed to reimburse 63 days of covered expenses notwithstanding its concession that coverage existed during the material period. In December 2009, Bankers agreed to waive further premium payments under the policy retroactively to August 2009, although according to the terms of the policy such waiver should have taken effect as of April 2009. The Burk family’s counsel requested a copy of the policy from Bankers, but in response Bankers provided only a summary of the policy. In May 2012, Bankers advised Burk that she had exhausted the benefits available under her policy, and ceased paying further benefits. In addition, because no further benefits were to be paid, Bankers rescinded its waiver of Burk’s policy premiums, and demanded that she resume paying premiums notwithstanding its position that no further benefits were available whether premiums were paid or not.

Thomas and Dolores Marier purchased a long-term health-care policy from Bankers (Policy No. 940,143,808 or the “Marier policy”) on or around April 1, 1994. Thomas Marier received home health-care services for nine months from February 16, 2011, through November 24, 2011, and in February 2011 his wife Dolores Marier submitted a claim to Bankers on his behalf, seeking reimbursement of the costs thereby incurred. In April 2011, Bankers denied the claim on the spurious ground that the Marier policy did not pay for the first 30 days of home health care, whereas in fact the policy excluded coverage only for the first 14 days of home health care. In May 2011 Dolores Marier pointed out the error, and in August 2011 Bankers acknowledged its mistake and paid $840 of the $865 it owed for the first 16 covered days of Thomas Marier’s home health care (without explanation for its failure to pay the full covered amount). In December 2011, Bankers characterized its payment of $840 as an overpayment, again citing the spurious 30-day exclusion invoked in connection with the initial denial, and demanded that the Mariers return the funds. The Mari-ers complied, out of concern that Bankers would otherwise void the policy in its entirety. Dolores Marier filed a complaint with the Oregon Insurance Division in March 2013, and in response to the complaint Bankers advised the agency that it had paid the claim, without acknowledging that its payment had been returned.

In November 2011, Thomas Marier moved into a nursing home, and Bankers began paying benefits 30 days thereafter. Thomas Marier remained in the nursing home until January 2012, when he was hospitalized until February 2012. In February 2012, Thomas Marier moved into a new nursing home that specialized in caring for residents with his condition. In December 2012, Bankers agreed to waive the Mariers’ premium payments, which according to the Marier policy became waived after 90 days of consecutive benefits, retroactively to June 2012, on the purported ground that the hospitalization of early 2012 constituted an interruption in the care Thomas Maurier had been receiving. Dolores Marier again complained to the Oregon Insurance Division, and Bankers refunded the remaining waived premiums.

In October 2012, Thomas Marier moved to Oregon State Hospital, the only Oregon facility then willing to accept him as an inpatient given his condition. Bankers has refused to cover any of the costs thereby incurred, notwithstanding Thomas Mari-er’s continued eligibility for coverage under the policy. Because Bankers stopped paying benefits, it additionally ceased waiving the Mariers’ premiums.

David and Darla Castagno purchased a long-term health-care policy from Bankers (Policy No. 950,189,898 or the “Castagno policy”) on or around July 31, 1995. They have timely paid all premiums under the policy, but have never made a claim under it.

According to defendants’ evidentiary submissions, the Bates policy, the Burk policy, the Marier policy, the Castagno policy and all policies issued by Bankers to members of putative Class A and Class C all expressly provide that “[n]o legal action may be brought to recover on this policy .... after 3 years ... from the time written proof of loss is required to be given.” Except where it is not reasonably possible for an insured to do so, the policies provide that written proof of loss must be submitted “within 90 days after the end of each period” for periodic payment of a continuing loss and “within 90 days of the end of [any other] loss.” In the event it is not reasonably possible to submit written proof of loss within the specified time, the policies provide that insureds may do so within a period of up to one year.

ANALYSIS

As noted above, by and through its motion (# 29) to dismiss, defendant CNOFG moves pursuant to Federal Civil Procedure Rule 12(b)(2) for dismissal of plaintiffs’ claims against it for lack of personal jurisdiction, and in the alternative moves for dismissal of plaintiffs’ claims for failure to state a claim upon which relief can be granted pursuant to Federal Civil Procedure Rule 12(b)(6), on the narrow ground that plaintiffs have failed adequately to allege CNOFG’s involvement in and/or vicarious responsibility for the conduct complained of in plaintiffs’ complaint. In addition, by and through their motion (# 39) to dismiss, defendants Bankers and CNOFG together challenge the broader adequacy of plaintiffs’ allegations to support their claims under Rule 12(b)(6). In the discussion that follows, I address first the jurisdictional issues raised by CNOFG’s motion and then, following analysis of defendants’ motion (# 32) to strike class allegations, combine discussion and analysis of the issues raised by CNOFG’s Rule 12(b)(6) arguments and defendants’ Rule 12(b)(6) motion.

I. CNOFG’s Motion (#29) to Dismiss for Lack of Personal Jurisdiction

By and through its motion (# 29) to dismiss, CNOFG argues that plaintiffs’ claims against it should be dismissed for lack of personal jurisdiction. For the reasons set forth below, CNOFG’s motion to dismiss for lack of personal jurisdiction is granted without prejudice as to plaintiffs’ fraud in the inducement claim to the extent alleged against CNOFG only, and otherwise denied.

“When no federal statute governs personal jurisdiction, the district court applies the law of the forum state.” Boschetto, 539 F.3d at 1015, citing Panavision Int’l L.P. v. Toeppen, 141 F.3d 1316, 1320 (9th Cir.1998). Oregon’s long-arm statute creates a standard co-extensive with federal jurisdictional standards, see Or. R. Civ. P. 4L, so a federal court sitting in the District of Oregon may exercise personal jurisdiction wherever it is possible to do so within the limits of federal constitutional due process, see, e.g., Gray & Co. v. Firstenberg Mach. Co., 913 F.2d 758, 760 (9th Cir.1990).

Federal due process jurisprudence requires that, to be subject to the personal jurisdiction of a federal court, a nonresident defendant must have at least “ ‘minimum contacts’ ” with the court’s forum state such that “the exercise of jurisdiction ‘does not offend traditional notions of fair play and substantial justice.’ ” Schwarzenegger v. Fred Martin Motor Co., 374 F.3d 797, 801 (9th Cir.2004), quoting International Shoe Co. v. Washington, 326 U.S. 310, 316, 66 S.Ct. 154, 90 L.Ed. 95 (1945). Two forms of personal jurisdiction are available for application to a nonresident defendant: general personal jurisdiction and specific personal jurisdiction.

A. General Personal Jurisdiction

“For general jurisdiction to exist over a nonresident defendant ..., the defendant must engage in continuous and systematic general business contacts ... that approximate physical presence in the forum state.” Schwarzenegger, 374 F.3d at 801, quoting Helicopteros Nacionales de Colombia, S.A. v. Hall, 466 U.S. 408, 416, 104 S.Ct. 1868, 80 L.Ed.2d 404 (1984) and Bancroft & Masters, Inc. v. Augusta Nat’l, Inc., 223 F.3d 1082, 1087 (9th Cir.2000). “This is an exacting standard, as it should be, because a finding of general jurisdiction permits a defendant to be haled into court in the forum state to answer for any of its activities anywhere in the world.” Id., citing Brand v. Menlove Dodge, 796 F.2d 1070, 1073 (9th Cir.1986). Here, plaintiffs do not argue that this court could properly exercise general personal jurisdiction over any of the defendants, and it is in any event clear that this court may not do so over CNOFG in that CNOFG is neither headquartered nor incorporated in Oregon, and does not have such continuous and systematic contacts with Oregon “as to render it essentially at home” in this district. Daimler AG v. Bauman, Case No. 11-965, -U.S. -, 134 S.Ct. 746, 761, 187 L.Ed.2d 624 (U.S.2014), quoting Goodyear Dunlop Tires Operations, S.A. v. Brown, — U.S. -, 131 S.Ct. 2846, 2851, 180 L.Ed.2d 796 (2011), citing International Shoe, 326 U.S. at 317, 66 S.Ct. 154 (internal modifications omitted); see also id. at 760-762. In consequence, plaintiffs’ claims cannot survive CNOFG’s motion on a theory of general personal jurisdiction.

B. Specific Personal Jurisdiction

The courts of the Ninth Circuit apply a three-pronged test for determining whether, in connection with a given claim, the exercise of specific personal jurisdiction over a nonresident defendant is appropriate:

(1)The non-resident defendant must purposefully direct his activities or consummate some transaction with the forum or resident thereof; or perform some act by which he purposefully avails himself of the privilege of conducting activities in the forum, thereby invoking the benefits and protections of its laws;

(2) the claim must be one which arises out of or relates to the defendant’s forum-related activities; and

(3) the exercise of jurisdiction must comport with fair play and substantial justice, i.e. it must be reasonable.

Schwarzenegger, 374 F.3d at 802, quoting Lake v. Lake, 817 F.2d 1416, 1421 (9th Cir.1987). The plaintiff bears the burden of satisfying the first two prongs of the test, whereupon the burden shifts to the defendant to “ ‘present a compelling case’ that the exercise of jurisdiction would not be reasonable.” Id., quoting Burger King Corp. v. Rudzewicz, 471 U.S. 462, 476-78, 105 S.Ct. 2174, 85 L.Ed.2d 528 (1985).

In the context of cases that sound primarily in tort, courts have considered it sufficient to satisfy the first prong of the test where the only contact a nonresident defendant had with the forum state was “the ‘purposeful direction’ of a foreign act having effect in the forum state.” Haisten v. Grass Valley Medical Reimbursement Fund, Ltd., 784 F.2d 1392, 1397 (9th Cir.1986) (emphasis original), citing Calder v. Jones, 465 U.S. 783, 789, 104 S.Ct. 1482, 79 L.Ed.2d 804 (1984). This “‘effects’ test requires that the defendant allegedly have (1) committed an intentional act, (2) expressly aimed at the forum state, (3) causing harm that the defendant knows is likely to be suffered in the forum state.” Dole Food Co. v. Watts, 303 F.3d 1104, 1111 (9th Cir.2002). “The requirement is but a test for determining the more fundamental issue of whether a ‘defendant’s conduct and connection with the forum state are such that he should reasonably anticipate being haled into court there.’ ” Id., quoting World-Wide Volkswagen Corp. v. Woodson, 444 U.S. 286, 297, 100 S.Ct. 559, 62 L.Ed.2d 490 (1980).

In Bancroft & Masters, Inc. v. Augusta Nat’l Inc., 223 F.3d 1082 (9th Cir.2000), the Ninth Circuit discussed the “express aiming” prong of the effects test as follows:

In Colder, the Supreme Court held that a foreign act that is both aimed at and has effect in the forum state satisfies the purposeful availment prong of the specific jurisdiction analysis. To meet the effects test, the defendant must have (1) committed an intentional act, which was (2) expressly aimed at the forum state, and (3) caused harm, the brunt of which is suffered and which the defendant knows is likely to be suffered in the forum state. See Panavision Int’l, L.P. v. Toeppen, 141 F.3d 1316, 1321 (9th Cir.1998). Subsequent cases have struggled somewhat with Calder’s import, recognizing that the case cannot stand for the broad proposition that a foreign act with foreseeable effects in the forum state always gives rise to specific jurisdiction. We have said that there must be “something more,” but have not spelled out what that something more must be. See Panavision, 141 F.3d at 1322.

We now conclude that “something more” is what the Supreme Court described as “express aiming” at the forum state. See Colder, 465 U.S. at 789, 104 S.Ct. 1482. Express aiming is a concept that in the jurisdictional context hardly defines itself. From the available cases, we deduce that the requirement is satisfied when the defendant is alleged to have engaged in wrongful conduct targeted at a plaintiff whom the defendant knows to be a resident of the forum state. For example, in Colder itself, the defendants were a reporter and an editor of a nationally-circulated tabloid newspaper whom plaintiff, a well-known California resident, accused of libel. The defendants argued that the alleged wrong had no intended nexus with California and that they should be treated like “a welder employed in Florida who works on a boiler which subsequently explodes in California.” Id. The Supreme Court rejected this proposed analogy, pointing out that “petitioners are not charged with mere untargeted negligence. Rather, their intentional, and allegedly tortious, actions were expressly aimed at California.” Id.

Subsequent cases from this circuit bear out the conclusion that “express aiming” encompasses wrongful conduct individually targeting a known forum resident. In Metropolitan Life Insurance Co. v. Neaves, 912 F.2d 1062 (9th Cir.1990), we held that an Alabama resident could be haled into a California court on the basis of a letter she sent to an insurance company representing that she was entitled to an insurance payment that actually belonged to a California resident. We stated that under Colder, it was irrelevant where the letter was sent. The critical factor was that in sending the letter, the defendant “was purposefully defrauding [plaintiff] in California.” 912 F.2d at 1065. Similarly, in Brainerd v. Governors of the University of Alberta, 873 F.2d 1257 (9th Cir.1989), we held that an Arizona court could exercise specific jurisdiction over Canadian residents who, in response to telephone calls directed to them in Canada, made statements that allegedly defamed a person they knew resided in Arizona. Id. at 1259-60. Even though the Canadian defendants had not initiated the telephone calls, the statements they made about the plaintiff during the conversations were not “untargeted negligence” but rather were “performed for the very purpose of having their consequences felt in the forum state.” Id. See also Gordy v. Daily News, L.P., 95 F.3d 829, 833 (9th Cir.1996) (holding that specific jurisdiction existed in light of evidence of “targeting” of the plaintiff, who was a forum resident); Lake v. Lake, 817 F.2d 1416, 1422-23 (9th Cir.1987) (holding that specific jurisdiction existed where defendant performed foreign acts for the purpose of having their consequences felt in the forum state); Haisten v. Grass Valley Med. Reimbursement Fund, Ltd., 784 F.2d 1392, 1398 (9th Cir.1986) (finding purposeful availment where forum effect of a foreign act “was not only foreseeable, it was contemplated and bargained for”).

The presence of individualized targeting is what separates these cases from others in which we have found the effects test unsatisfied. In Cybersell, [Inc. v. Cybersell, Inc., 130 F.3d 414 (9th Cir.1997),] for example, there was no showing that the defendants even knew of the existence of the plaintiffs, let alone targeted them individually. See 130 F.3d at 420. See also Gordy, 95 F.3d at 833 (distinguishing certain cases holding that no personal jurisdiction existed under Calder on the ground that in those cases targeting was lacking).

Bancroft & Masters, 223 F.3d at 1087-1088 (emphasis supplied; modifications original).

The second prong of the specific personal jurisdiction test requires that the plaintiffs claim arise out of the nonresident defendant’s forum-related activities. See Boschetto, 539 F.3d at 1016. Moreover, it has long been settled law in the Ninth Circuit that “[w]here ... a plaintiff raises two [or more] separate causes of action, the court must have in personam jurisdiction over the defendant with respect to each claim.” Data Disc, Inc. v. Systems Technology Associates, Inc., 557 F.2d 1280, 1289, n. 8 (9th Cir.1977), citing 6 C. Wright & A. Miller, Federal Practice and Procedure § 1588, at p. 816 (1971).

At the third prong of the specific personal jurisdiction test, the burden shifts to the defendant to present a “compelling case” to rebut the presumption that the exercise of specific personal jurisdiction would be reasonable. See id.

In determining reasonableness, th[e] [courts of the Ninth] circuit examine[] seven factors: the extent of purposeful interjection; the burden on the defendant to defend the suit in the chosen forum; the extent of conflict with the sovereignty of the defendant’s state; the forum state’s interest in the dispute; the most efficient forum for judicial resolution of the dispute; the importance of the chosen forum to the plaintiffs interest in convenient and effective relief; and the existence of an alternative forum.

Shute v. Carnival Cruise Lines, 897 F.2d 377, 386 (9th Cir.1990), citing Federal Deposit Ins. Corp. v. British-American Ins. Co., Ltd., 828 F.2d 1439, 1442 (9th Cir.1987). “The court[s] must balance the seven factors to determine whether the exercise of jurisdiction would be reasonable.” Id., citing British-American, 828 F.2d at 1442.

As noted above, plaintiffs allege that CNOFG both oversaw Bankers’ activities in marketing long-term health-care policies to older Oregonians and played a direct role in some of the conduct plaintiffs complain of in this action, including by reviewing and processing claims filed by Bankers’ insureds under the long-term healthcare policies at issue here and by expressly instructing Bankers to deny or delay payment of benefits on legitimate claims filed under those policies, beginning in or around 2005. While mere oversight of marketing activities cannot meet the “purposeful direction” prong of the specific personal jurisdiction test, in that such oversight cannot properly be characterized as having been “directed” at Oregon and did not in any event have independent effects in Oregon beyond the consequences of the overseen conduct itself, by contrast CNOFG’s alleged role in reviewing and processing (and in improperly delaying or denying) insurance claims filed by Oregonians is sufficient to meet that prong, under the Colder effects test. That is, CNOFG is alleged to have taken affirmative actions in contravention of the rights of Bankers’ policy holders, necessarily if implicitly with the knowledge that those policy holders were residents of Oregon, with consequent harm to the affected Oregonians in Oregon. See Dole Food Co., 303 F.3d at 1111.

At the second prong of the test, the court’s task is to determine whether each of the plaintiffs’ claims arise out of CNOFG’s forum-related activities. Analysis of plaintiffs’ allegations establishes that plaintiffs’ elder abuse, breach, and intentional misconduct claims are each premised in whole or in part upon defendants’ claims-handling practices, in which CNOFG allegedly played a direct role. As to these three claims, therefore, the second prong of the test is satisfied.

As to the fraudulent inducement claim, however, a different analysis obtains. As a preliminary matter, it is not altogether obvious precisely what the gravamen of the claim is intended to be. Plaintiffs’ original and first amended complaints each clearly alleged defendants’ liability for fraud in inducing the plaintiffs to enter into Bankers’ long-term health-care insurance policies. However, by and through their memorandum in opposition to defendants’ motion to dismiss (and at oral argument in connection with that motion), plaintiffs expressly abandoned their pled theory of fraud in the inducement in favor of a novel, unpled theory according to which defendants’ fraud was intended to induce plaintiffs not to enter into the insurance contracts but rather to continue paying premiums pursuant to the agreements they had already previously entered into. Nevertheless, following oral argument in connection with the motions now before the court, plaintiffs amended their complaint a second time, once again pleading a theory of fraudulent inducement to enter into the insurance contracts in the first instance, and making no allegations in support of the theory espoused by the plaintiffs in their briefing and at oral argument.

Plaintiffs’ second amended complaint is plaintiffs’ operative pleading in this matter and governs the scope of plaintiffs’ claims. See, e.g., Browner v. Pearl Assurance Co., 267 F.2d 45, 49 n. 2 (9th Cir.1958). I therefore construe plaintiffs’ third enumerated claim for relief, alleging defendants’ liability for fraud, as a claim for fraud in inducing plaintiffs to purchase long-term health-care insurance from Bankers. As such, the claim does not arise out of CNOFG’s forum-related claims-handling activities (and as noted above cannot arise for jurisdictional purposes out of CNOFG’s mere oversight of Bankers’ marketing activities), and this court lacks personal jurisdiction over CNOFG in connection with plaintiffs’ fraud claim, to the extent it is CNOFG’s own Oregon-related conduct that is at issue.

At the third prong of the test, the court must determine whether CNOFG has met its burden to rebut the presumption that the exercise of personal jurisdiction over it in connection with plaintiffs’ elder abuse, breach, and fraudulent misconduct claims would be reasonable. CNOFG has not offered argument or evidence on this question, but rather has argued only the insufficiency of plaintiffs’ allegations to support personal jurisdiction over it. In consequence, CNOFG has not met its burden at the third prong of the test as to plaintiffs’ elder abuse, breach, and intentional misconduct claims, and this court may properly exercise personal jurisdiction over it in connection with those claims based on plaintiffs’ prima facie showing as discussed above.

As noted above, I agree with CNOFG that plaintiffs’ allegations of CNOFG’s forum-directed conduct are insufficient to support a finding that this court may properly exercise personal jurisdiction over CNOFG for purposes of plaintiffs’ fraudulent inducement claim based on CNOFG’s own contacts with Oregon. In the alternative, plaintiffs argue that this court may properly impute Bankers’ contacts with Oregon to CNOFG, Bankers’ ultimate corporate parent. Plaintiffs argue that such imputation may be appropriate on either an alter ego theory or an agency theory.

In general, “[t]he existence of a relationship between a parent company and its subsidiaries is not sufficient to establish personal jurisdiction over the parent on the basis of the subsidiaries’ minimum contacts with the forum.” Unocal, 248 F.3d at 925, citing Transure, Inc. v. Marsh and McLennan, Inc., 766 F.2d 1297, 1299 (9th Cir.1985). However, where “the parent and subsidiary are not really separate entities, or one acts as an agent of the other, the local subsidiary’s contacts with the forum may be imputed to the foreign parent corporation.” Id., quoting El-Fadl v. Central Bank of Jordan, 75 F.3d 668, 676 (D.C.Cir.1996).

In order to establish specific personal jurisdiction over a defendant based on the contacts of its subsidiary on an alter ego theory, a plaintiff must make out a prima facie case “(1) that there is such unity of interest and ownership that the separate personalities of the two entities no longer exist and (2) that failure to disregard their separate identities would result in fraud or injustice.” Id. at 926 (internal modifications omitted), quoting American Telephone & Telegraph Co. v. Compagnie Bruxelles Lambert, 94 F.3d 586, 591 (9th Cir.1996). Such unity of interest is present where “a parent corporation uses its subsidiary ‘as a marketing conduit’ and attempts to shield itself from liability based on its subsidiaries’ activities,” id., quoting United States v. Toyota Motor Corp., 561 F.Supp. 354, 359 (C.D.Cal.1983), or “where the record indicates that the parent dictates ‘every facet of the subsidiary’s business-from broad policy decisions to routine matters of day-to-day operation,” id. at 926-927, quoting Rollins Burdick Hunter of Southern California, Inc. v. Alexander & Alexander Services, Inc., 206 Cal.App.3d 1, 11, 253 Cal. Rptr. 338 (2d Dist.Cal.1988). By contrast, the courts of the Ninth Circuit have routinely found a plaintiff’s prima facie showing insufficient to establish the absence of separate corporate personalities where the entities observe the appropriate corporate formalities, notwithstanding significant involvement by the parent in the subsidiary’s operations:

A parent corporation may be directly involved in financing and macro-management of its subsidiaries ... without exposing itself to a charge that each subsidiary is merely its alter ego. See Fletcher v. Atex, Inc., 68 F.3d 1451, 1459-60 (2d Cir.1995) (no alter ego liability where parental approval required for leases, major capital expenditures and the sale of the subsidiary’s assets); Joiner v. Ryder Sys., 966 F.Supp. 1478, 1485 (C.D.Ill.1996) (no alter ego liability where parent approved subsidiaries’ acquisitions and capital budget); Akzona, Inc. v. E.I. Du Pont De Nemours and Co., 607 F.Supp. 227, 238 (D.Del.1984) (blurring corporate separateness in language of annual report, overlap of boards of directors, parental approval of large capital expenditures, and parental guaranty of third-party loans to subsidiary insufficient to establish alter ego relationship); In re Hillsborough Holdings Corp., 166 B.R. 461, 473-74 (Bankr. M.D.Fla.1994) (proper for parent to provide all financing to a subsidiary), aff'd 176 B.R. 223 (M.D.Fla.1994).

Likewise, references in the parent’s annual report to subsidiaries or chains of subsidiaries as divisions of the parent company do not establish the existence of an alter ego relationship. See Fletcher, 68 F.3d at 1459-60 (references to subsidiary as “division” of Kodak not equivalent to evidence that two companies operated as “single economic entity”); Akzona, 607 F.Supp. at 238 (language of annual report and employee testimony describing subsidiaries as divisions of parent not sufficient, even in conjunction with other evidence, to establish alter ego relationship).

... In a case presenting similar questions, the Ninth Circuit found no alter ego relationship was created where the parent company guaranteed loans for the subsidiary, reviewed and approved major decisions, placed several of its directors on the subsidiary’s board, and was closely involved in the subsidiary’s pricing decisions. Kramer Motors, Inc. v. British Leyland, Ltd., 628 F.2d 1175, 1177 (9th Cir.1980)....

Id. at 927-928 (holding that because the corporate parent and subsidiary defendants before it “observe[d] all of the corporate formalities necessary to maintain corporate separateness” notwithstanding the parent’s active involvement in the subsidiaries’ operations, the evidence did not establish that the entities were alter egos of one another).

Here, plaintiffs proffer evidence that CNOFG “tightly controlled every aspect of Bankers’ business, from hand-picking its executive Vice presidents to setting the budget goals and participating in Bankers strategy meetings.” In addition, plaintiffs offer evidence that Banker did not maintain its own human resources department, but rather depended on CNOFG to provide HR services, and that CNOFG was involved in processing claims made on Bankers’ insurance policies. As was the case in Unocal, however, such evidence is far short of what would be required to support the conclusion that CNOFG and Bankers routinely disregarded the corporate formalities establishing separate existence, that CNOFG controlled every facet of Bankers’ business, or that CNOFG maintained Bankers solely as a shield against liability for activities it conducted under bankers’ auspices. Because plaintiffs have not made out a prima facie case of unity of interest between CNOFG and Bankers, this court may not exercise specific personal jurisdiction over CNOFG in connection with plaintiffs’ fraud in the inducement claim based on an alter ego theory.

In order to establish specific personal jurisdiction over a defendant based on the contacts of its subsidiary on an agency theory, a plaintiff must make a prima facie showing that “the subsidiary functions as the parent corporation’s representative in that it performs services that are ‘sufficiently important to the foreign corporation that if it did not have a representative to perform them, the corporation’s own officials would undertake to perform substantially similar services.’ ” Id. at 928, quoting Chan v. Society Expeditions, Inc., 39 F.3d 1398, 1405 (9th Cir.1994). That is, imputation of contacts is appropriate on an agency theory where the subsidiary “functions as ‘merely the incorporated department of its parent,’ ” and “the subsidiaries’ presence substitutes for the presence of the parent” for all operational purposes. Id., quoting Gallagher v. Mazda Motor of America, Inc., 781 F.Supp. 1079,1084 (E.D.Pa.1992).

Here, plaintiffs do not attempt to meet the foredescribed standard. Instead, plaintiffs argue that Bankers was CNOFG’s agent because Bankers carried out directives issued by its parent entity and acted in some sense on authority delegated by CNOFG. If plaintiffs’ argument were apposite, the result would be that virtually all corporate parents could be haled into court in any jurisdiction in which they had subsidiaries, on the ground that virtually all subsidiaries serve as their parents’ agents for some purposes. However, such garden-variety forms of agency are insufficient to satisfy the jurisdictional agency standard, which requires that but for the subsidiary’s presence in the jurisdiction, the parent would necessarily be present performing all of the same functions actually performed by its subsidiary. “At an irreducible minimum, the general agency test requires that the agent perform some service or engage in some meaningful activity in the forum state on behalf of its principal such that its ‘presence substitutes for presence of the principal.’ ” Id. at 930, quoting Gallagher, 781 F.Supp. at 1084; see also Daimler AG, 134 S.Ct. at 759-760, 760 n. 15 (rejecting agency theory of specific personal jurisdiction formally indistinguishable from that espoused by CNOFG here). Because plaintiffs have made no showing that Bankers serves as an incorporated department of CNOFG rather than as a genuine subsidiary, this court may not properly exercise specific personal jurisdiction over CNOFG in connection with plaintiffs’ fraud in the inducement claim based on an agency theory. Plaintiffs’ fraud in the inducement claim is therefore dismissed without prejudice to the extent alleged against CNOFG only, for lack of personal jurisdiction in this district. This court may properly exercise specific personal jurisdiction over each of plaintiffs’ remaining claims.

II. Defendants’ Motion (# 32) to Strike Class Allegations

As noted above, plaintiffs propose three separate classes of named and absent plaintiffs: (i) Oregonian policy-holders whose claims have been mishandled by Bankers through a combination of delay and nonpayment of claims between 2005 and the present, notwithstanding timely payment of all policy premiums (plaintiffs’ “Class A,” putatively represented here by Lorraine Bates, Eileen Burk, and Thomas Marier), (ii) family members and other representatives of such policy-holders who have incurred expenses in the course of attempting to obtain benefits for their policy-holder family members under their policies (plaintiffs’ “Class B,” putatively represented here by Charles Ehrman Bates, David Youngbluth, and Dolores Marier), and (in) Oregonian policy-holders who have paid all policy premiums on a timely basis and who have not yet filed any claim under their policies (plaintiffs’ “Class C,” putatively represented here by Charles Ehr-man Bates, Dolores Marier, David Castag-no, and Darla Castagno). For the reasons set forth below, plaintiffs’ claims are not appropriate for class treatment, and defendants’ motion to strike class allegations is granted.

Federal Civil Procedure Rule 23(a) provides that named plaintiffs may represent a class of similarly situated persons in a class action lawsuit only where:

(1) the class is so numerous that joinder of all members is impracticable,

(2) there are questions of law or fact common to the class,

(3) the claims or defenses of the representative parties are typical of the claims or defenses of the class; and

(4) the representative parties will fairly and adequately protect the interests of the class.

Fed.R.Civ.P. 23(a). Federal Civil Procedure Rule 23(b) provides, in addition, that a class action may only be maintained if at least one of the following three factors is satisfied:

(1)prosecuting separate actions by or against individual class members would create a risk of:

(A) inconsistent or varying adjudications with respect to individual class members that would establish incompatible standards of conduct for the party opposing the class; or

(B) adjudications with respect to individual class members that, as a practical matter, would be disposi-tive of the interests of the other members not parties to the individual adjudications or would substantially impair or impede their ability to protect their interests;

(2) the party opposing the class has acted or refused to act on grounds that apply generally to the class, so that final injunctive relief or corresponding declaratory relief is appropriate respecting the class as a whole; or

(3) the court finds that the questions of law or fact common to class members predominate over any questions affecting only individual members, and that a class action is superior to other available methods for fairly and efficiently adjudicating the controversy. The matters pertinent to these findings include:

(A) the class members’ interests in individually controlling the prosecution or defense of separate actions;

(B) the extent and nature of any litigation concerning the controversy already begun by or against class members;

(C) the desirability or undesirability of concentrating the litigation of the claims in the particular forum; and

(D) the likely difficulties in managing a class action.

Fed.R.Civ.P. 23(b).

In the context of a motion to certify a class, it is the plaintiffs who bears the burden to establish that the class is certifiable. However, in the context of a motion to strike class allegations, in particular where such a motion is brought in advance of the close of class discovery, it is properly the defendant who must bear the burden of proving that the class is not certifiable. Towards meeting that burden, defendants argue primarily that no plaintiffs claims are “typical” of all plaintiffs’ claims, such that plaintiffs cannot meet the requirements of Rule 23(a)(3).

Pursuant to Federal Civil Procedure Rule 23(a)(3):

The typicality prerequisite of Rule 23(a) is fulfilled if “the claims or defenses of the representative parties are typical of the claims or defenses of the class.” Fed.R.Civ.P. 23(a)(3). Under the rule’s permissive standards, representative claims are “typical” if they are reasonably co-extensive with those of absent class members; they need not be substantially identical.

Hanlon v. Chrysler Corp., 150 F.3d 1011, 1029 (9th Cir.1998). In support of their argument that plaintiffs cannot meet the requirements of Rule 23(a)(3), defendants point to evidence that the absent putative plaintiffs and/or their family members did not purchase identical long-term healthcare policies from Bankers, but rather purchased policies with different lifetime and daily coverage maxima and different coverage exclusions, among other policy provisions. In consequence, defendants argue, both liability and damages will require individual analysis and calculation for every member of each putative class. Defendants additionally take the position that, as is the case for the named plaintiffs, all absent members of putative Class A and putative Class B will allege different conduct to establish breach of applicable policy provisions, necessitating individual analysis and determination of each such plaintiffs claims premised on defendants’ claims-handling procedures and/or improper delay or denial of claims. In similar vein, defendants argue that each policyholder will have received a different combination of marketing materials and will have received different specific representations regarding the policy from defendants’ (various) sales agents at the time of purchase, requiring separate individual evaluation of the fraud in the inducement and related claims for each absent member of putative Class A and putative Class B. As to the members of putative Class C, defendants argue that because such plaintiffs’ claims are purely speculative, and because by proposed definition no such member has suffered any actual injury in consequence of defendants’ alleged conduct, the claims are not appropriate for class treatment.

I agree with the defendants as to the members of putative Class A and putative Class B (and as to the members of putative Class C to the extent their claims are premised on fraud in the inducement). To the extent such plaintiffs’ claims are premised on allegations of claims mishandling, such claims inevitably require case-by-case analysis of the operative facts, because the inquiry is in all respects fact-specific for every insured, including inquiry as to the insureds’ particular health conditions and medical needs, the particular care provided and the nature of the particular institution within which care was provided, and the specific coverage and exclusion provisions of the particular policy at issue. That is, to establish that defendants are liable for breach of a provision of one insured’s contract cannot establish that defendants are likewise liable for breach of all or even any other similarly situated insureds’ contracts. To the extent such plaintiffs’ claims are premised on fraud in the inducement, a similar case-by-case analysis of operative facts would be required, in that the policies at issue were sold following verbal negotiations between policy purchasers and Bankers’ various sales agents, and each plaintiff would need to make an individual showing of the conduct constituting fraud, of that plaintiffs actual reliance on defendants’ misrepresentation, and of the other elements of fraud in the inducement.

As to the members of putative Class C to the extent their claims are premised on the concern that their possible future claims under them long-term health-care policies will one day be mishandled, defendants’ arguments are entirely inapposite. Indeed, the claims of the named plaintiffs putatively representing Class C are necessarily entirely typical of those of all absent members of putative Class C, in that all such plaintiffs share the same combination of legal issues and (lack of) operative facts. However, for reasons discussed below, it is clear as a matter of law that to the extent any named or absent plaintiff is a member of putative Class C, that plaintiff lacks standing to pursue claims against the defendants. In consequence, the fact that proposed Class C may partially satisfy the typicality requirement of Rule 23(a)(3) provides no grounds for denial of defendants’ motion to strike.

Plaintiffs argue that further proceedings in connection with defendants’ motion to strike should be deferred until such time as the parties have exchanged documents in class-related discovery. I disagree. Even if such discovery were to establish clearly that defendants had a policy of improperly delaying and denying meritorious claims brought under Bankers’ long-term health-care policies, as the named plaintiffs’ claims illustrate, the details of the defendants’ implementation of their uniform policy as to any given plaintiff, the court’s determination whether the complained-of tactics were in any given instance actionable, and the calculation of any given plaintiffs resulting damages would require separate analysis and litigation for every plaintiff, whether named or absent. Similarly, even if discovery were to establish that defendants promulgated entirely uniform marketing materials to every one of Bankers’ sales agents who sold policies to the putative class members, and that such sales agents had been instructed to market the policies according to a uniform script, such discovery would not obviate the need for individual inquiry into the extent to which the sales agents might have deviated from the script in specific cases, or the need for plaintiffs to make individualized showings of the elements of their claims to the extent premised on fraud.

Plaintiffs’ inability to satisfy the requirements of Rule 23(a)(3) provides sufficient grounds, without more, for granting defendants’ motion to strike. See Fed.R.Civ.P. 23(a). In addition, however, it is far from clear that plaintiffs could satisfy the requirements of Rule 23(b). As to Rule 23(b)(1), separate adjudication of the absent plaintiffs’ claims does not appear likely to establish incompatible standards of conduct for defendants, because the applicable standards are well-established and unlikely to be changed as a result of fact-specific individual applications to an array of plaintiffs, and there appears to be little risk that adjudication of one such plaintiffs claims would be dispositive of any other such plaintiffs claims because, as discussed above, each plaintiffs claims will require individual analysis and inquiry. As to Rule 23(b)(2), the named and absent plaintiffs here primarily seek money damages rather than injunctive or declaratory relief from the defendants, and the putative class members’ claims could not be resolved by the entry of a single injunctive order. As to Rule 23(b)(3), for the same reasons that the named plaintiffs’ claims cannot be deemed typical of the absent putative class members’ claims, individual issues predominate over common issues, and class treatment does not appear to be superior to other alternative ways of resolving all putative class members’ claims.

III. Defendants’ Motion (#39) to Dismiss for Failure to State a Claim; CNOFG’s Motion (# 29) to Dismiss for Failure to State a Claim

By and through their motion (# 39) to dismiss, defendants Bankers and CNOFG seek dismissal of plaintiffs’ elder abuse, fraud in the inducement, and intentional misconduct claims in their entirety, dismissal of plaintiffs’ breach claims to the extent premised on Bankers’ conduct in raising the premium payments due under plaintiffs’ long-term health-care insurance policies, and (partially in the alternative) dismissal of plaintiffs’ claims to the extent they may be time-barred in whole or in part, to the extent certain plaintiffs may lack standing to bring their claims, and/or to the extent plaintiffs may seek impermissible relief in connection with their claims. In addition (as noted above), by and through its motion (#29) to dismiss for failure to state a claim, CNOFG challenges the adequacy of plaintiffs’ allegations of CNOFG’s direct involvement in the conduct underlying plaintiffs’ claims and alternatively challenges the adequacy of plaintiffs’ allegations in support of their alter ego and agency theories of CNOFG’s