MILTON OWENS, D/B/A THE OWENS AGENCY, APPELLEE, v. THE PENN MUTUAL LIFE INSURANCE COMPANY, PENN INSURANCE AND ANNUITY COMPANY, APPELLANTS. No. 87-2561.United States Court of Appeals, Eighth Circuit.Submitted May 11, 1988. Decided July 12, 1988. Rehearing Denied August 16, 1988. Page 1054 Phillip Carroll, Little Rock, Ark., for appellants. Byron Freeland, Little Rock, Ark., for […]