In Williamson v. Indianapolis Life Ins. Co., 741 So. 2d 1057 (Ala. 1999) the Court responded to a certified question from the United States District Court for the Middle District of Alabama. The Court held that no cause of action for an alleged fraud related to the purchase of a vanishing-premium policy accrues until the policyholder is required to make a premium payment after the date upon which the policy was to become self-sustaining. Williamson, 741 So. 2d at 1061.