Lynch v. Mutual Life Insurance Co. of New York

Opinion by

Reno, J.,

These appeals required us to study the case of a chronic alcoholic and to determine whether his total and permanent disability was a self-inflicted injury.

Two life insurance policies issued by defendant to Allen Gr. Lynch designated his wife, Anna B: Lynch, as the beneficiary, and provided for waiver of premiums and payment of monthly benefits should he become totally and permanently disabled. Total disability is defined as “any impairment of mind or body which continuously renders it impossible for the Insured to follow a gainful occupation”, and the policies provide:…