                   United States Court of Appeals,

                            Eleventh Circuit.

                              No. 95-3020.

  Arthur MODDER and Gail Modder, Plaintiffs-Counter Defendants-
Appellants,

                                   v.

  AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS, Defendant-
Counter Claimant-Appellee.

                              July 1, 1996.

Appeal from the United States District Court for the Middle
District of Florida. (No. 92-1243-CIV-T-24C), Elizabeth A. Jenkins,
Judge.

Before HATCHETT and ANDERSON, Circuit Judges, and WOOD*, Senior
Circuit Judge.

     PER CURIAM:

  CERTIFICATION FROM THE UNITED STATES COURT OF APPEALS FOR THE
ELEVENTH CIRCUIT TO THE SUPREME COURT OF FLORIDA PURSUANT TO
ARTICLE V, SEC. 3(6) OF THE FLORIDA CONSTITUTION

   TO THE SUPREME COURT OF FLORIDA AND ITS HONORABLE JUSTICES:

     It appears to the United States Court of Appeals for the

Eleventh Circuit that this case involves an unanswered question of

Florida law that is determinative of this appeal.              Therefore, we

certify the following question of law, based on the background

recited below, to the Supreme Court of Florida for instructions.

                                 FACTS

     Appellants,   Arthur    Modder     and   Gail   Modder,    contend   the

exclusionary provision of section 627.6515(2), Florida Statutes

does not exempt appellee, American National Life Insurance Company

of Texas (Antex), from the all-inclusive language of the attorney's

     *
      Honorable Harlington Wood, Jr., Senior U.S. Circuit Judge
for the Seventh Circuit, sitting by designation.
fees    provision    under       section    627.6698,       Florida   Statutes.

Appellants    contend     that    because   the    legislature    enacted   the

attorney's fees provision after the exclusionary provision, the

legislature could not have contemplated that section 627.6515(2)

would exempt an insurer from fee liability under section 627.6698.

Alternatively, appellants contend that Antex failed to establish

that the National and Business Association (NBA), came within the

exclusionary provision of section 627.6515(2).

       Antex contends that it issued and delivered its policy outside

of the state of Florida, satisfying all the requirements of the

exclusionary provision.          Antex further contends that the NBA was

formed for purposes other than providing insurance and comprises an

association group under section 627.6515(2), thereby qualifying for

exemption    from   fee   liability    under      section    627.6698.     Antex

contends that the district court correctly interpreted the statutes

in question and denied the appellants' motion for attorney's fees.

                             PROCEDURAL HISTORY

       Appellants sued Antex for reinstatement of a group health

insurance policy which Antex issued to them and later rescinded.

Antex    counterclaimed      asserting      that     appellants       improperly

misrepresented facts to Antex in the application for insurance.

Ultimately, the appellants prevailed and Antex reinstated their

insurance coverage.

       After receiving the favorable judgments, appellants filed a

motion for attorney's fees under section 627.6698, and Antex

opposed the motion arguing the exclusionary provision of section

627.6515(2) precluded attorney's fees against Antex.              The district
court granted appellants' motion for attorney's fees against Antex

holding that Antex failed to establish that their insurance policy

fell within the exclusionary provision.

        Antex   filed    a   motion   for   reconsideration     and   submitted

additional evidence of their inclusion within the exclusionary

provision.      The district court subsequently reversed the initial

order    and    denied   attorney's     fees   to   appellant   Gail   Modder.

Although the order only referenced Gail, the appellants submit that

the order also denied Arthur's claims.              Both appellants appealed

the district court's order denying them attorney's fees.

                                  DISCUSSION

     We find that the parties in this appeal have raised issues of

first impression under Florida law. No Florida court has addressed

the application, if any, of the exclusionary provision of section

627.6515, Florida Statutes to the attorney's provision of section

627.6698, Florida Statutes.           Because the outcome of this appeal

rests solely on the correct clarification of Florida law, we

refrain from resolving the issues and certify the question to the

highest court in Florida.

     Accordingly, we certify the following question to the Supreme

Court of Florida:

     DOES THE EXCLUSIONARY PROVISION OF SECTION 627.6515(2),
     FLORIDA STATUTES EXEMPT AN INSURER FROM ATTORNEY'S FEES
     LIABILITY UNDER SECTION 627.6698, FLORIDA STATUTES, AND IF SO,
     HAS THE INSURER IN THIS CASE PROVIDED THE FACTUAL PREDICATE
     NECESSARY TO COME WITHIN THE EXCLUSIONARY PROVISION.

     The phrasing of this question is not intended to limit the

Supreme Court in considering the issue presented or the manner in

which it gives its answer.        The entire record in this case and the
briefs of the parties shall be transmitted to the Supreme Court of

Florida for assistance in answering this question.

     QUESTION CERTIFIED
