The plaintiffs, Frederick Amoche ("Amoche"), Diane Dauphinais ("Dauphinais"), and Jon Valliere ("Valliere") initiated this cause of action on behalf of themselves and all others similarly situated against the defendant, Guarantee Trust Life Insurance Company ("GTL"). The plaintiffs each allegedly purchased credit life and/or credit disability insurance issued by the defendant, a credit insurer, as part of a retail installment sales contract for the purchase of an automobile.