Mills v. State Life and Health Insurance Company

Two questions are presented: (1) Did the death of Mills result “directly and independently of all other causes from accidental bodily injuries (excluding suicide or any attempt thereat, while sane or insane) ” within the meaning of the policy? (2) If so, did the policy and rider provide coverage for Mills when “he was not engaged in any of the duties pertaining to his occupation or self-employment?” Affirmative answers to both questions are prerequisite to recovery.

“In the absence of any policy provision on the subject, it is a well-established rule that where an insured is intentionally…