
    AXA Equitable Life Insurance Company et al., Respondents, v Richard Kalina et al., Appellants.
    (Appeal No. 3.)
    [955 NYS2d 784]
   Same memorandum as in AXA Equit. Life Ins. Co. v Kalina (101 AD3d 1655 [2012]). Present — Scudder, P.J., Centra, Valentino, Whalen and Martoche, JJ.  