Explain whether the California state court can exercise personal jurisdiction over Sovereign consistent with the Due Process Clause.

The plaintiff, Lulu Keane, was the mother of Richard Nance. Both of them lived in California for
their entire lives. Richard purchased a life insurance policy from Texas-based Sovereign
Insurance Company and named Lulu as the beneficiary. Sovereign advertised in the State of
California and entered into its life insurance contract with Richard in California. Richard is
currently Sovereign’s only customer in the state of California. Richard dies and Sovereign
refuses to pay Lulu the proceeds from Richard’s life insurance policy. Lulu sues Sovereign in
California state court, but Sovereign argues that the court lacks personal jurisdiction over the
company.
Explain whether the California state court can exercise personal jurisdiction over Sovereign
consistent with the Due Process Clause.

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