Chagnon v. Metropolitan Life Insurance

There has been and continues to be a square split of authority on the question of whether insanity or mental incompetency of the insured excuses the lack of, or delay in, notice of proof of disability. See the cases collected in Mutual Life Insurance Co. v. Johnson, 293 U. S. 335. In an annotation in 142 A. L. R. 852, 853, appears the following statement: “There is a conflict of authority upon the question whether the insanity of the insured will excuse the giving of notice of disability under the life policies providing for dis*258ability benefits and (or) the waiver of premiums, although, at…