In Re the Estate of Clement

On July 2, 1961, Mutual of Omaha issued a group insurance policy to the National Association of Retail Druggists.

W. A. Clement, Jr., deceased, a member of the Association, applied for and obtained a health and accident insurance certificate.

The certificate of insurance issued to the deceased contained the following clause: “If a member has received medical treatment or advice for a sickness within twelve months prior to the effective date of his certificate, and if further treatment is required for such sickness within the first three months after the effective date of his certificate, the…