Harper v. Mutual of Omaha

DIXON, Judge.

This is a suit to decide whether the rider on a health and accident policy governs *97the “exceptions” in the policy, or whether the “exceptions” govern the rider.

The plaintiff is the widow of the insured, who was killed in a gun battle while the policy was in existence. The health and accident policy provided for the payment of $1,000.00 if the insured lost his life. A rider (called “Golden Anniversary Travel Accident Death Benefit Rider”) provided for the payment of an additional $2,000.00 for accidental death. There was apparently no additional premium charged for the rider. It…