Mundi

Union Security Life Insurance Company (“USLIC”) appeals a decision of the district court denying its motion to compel arbitration in its dispute with Jasviro Mun-di, the widow of Decedent Harnam S. Mundi. USLIC issued a life insurance policy to cover a loan taken out by Decedent. The life insurance policy did not contain an arbitration agreement; however, the loan agreement, to which USLIC was not a party, did contain an arbitration provision. The question, therefore, is whether USLIC may enforce the arbitration agreement, even though it is a nonsig-natory to the agreement. We have jurisdiction pursuant to 9 U.S.C. § 16 , and we affirm the district court’s denial of USL-IC’s motion to compel arbitration.

I.

In May 2004, Decedent and Gurdip S. Gill obtained a home equity line of credit from Wells Fargo Bank, memorialized in a document called the EquityLine Agreement. Section 25 of the EquityLine Agreement required that “any dispute between me and the Bank, regardless of when it arises or arose, will be settled using the following procedures.” The arbitration provision provided as follows:

In conjunction with the line of credit, Decedent purchased credit insurance in the…