Thomas v. UNION FIDELITY LIFE INSURANCE COMPANY

The insurance company’s agents testified that they had the authority to represent the insurance company, that pursuant to that authority it was their impression that they bound the insurance coverage at the time of payment of the first premium and completion of the application, and that this was the way they had conducted business in the past and the way they still did and the insurance company recognized immediate coverage.

It is apparent from the numerous cases in this area that it is common among insurance agents to tell life insurance applicants that the insurance is effective when the…