John Hancock Mutual Life Ins. v. Luzio

There is no doubt that confusion exists in the reported cases of this state respecting the authority of insurance agents to waive conditions in life and fire insurance policies.

The contention of counsel for defendant in error, which was evidently sustained by the trial and appellate courts, is based upon the provisions of two Ohio statutes and their application to life insurance companies. The first is Section 9407, General Code, which provides that in any controversy between the beneficiary and the company the person who solicits an application for insurance shall be regarded as agent of the…