Rainsbarger v. Mutual Benefit Health & Accident Ass'n

The facts are stipulated and mostly undisputed. Virgil Rainsbarger, appearing by his next friend and who for convenience will be referred to as plaintiff, and who was aged eighteen, on August 24, 1937, signed application for a policy of accident insurance and delivered it to John DeBoer, agent of the defendant company. The application was sent by the agent to W. H. Hoover, agency manager of the defendant at Waterloo, September 4, 1937, but the premium which had been paid to DeBoer was not received by Hoover until September 14, 1937. Policy was issued September 17, mailed to DeBoer for…