(February 2, 2017, 11:48 AM EST) -- PHILADELPHIA — A niece and a friend of a deceased doctor recently argued to the Third Circuit U.S. Court of Appeals about whether the friend should be allowed to change the beneficiary designation on annuities owned by the doctor to herself (New York Life Insurance Company v. Rebecca Legault, et al., No. 16-3259, 3rd Cir.)....