INA Life Insurance v. Commonwealth

Opinion by

President Judge Bowman,

INA Life Insurance Company (INA) submitted for approval to the Insurance Department (Department) three policy forms offering double indemnity accidental death benefits that it planned to offer as riders to its standard life insurance policies.1 Included *418in the proposed riders was the following limitation or condition:

INDEMNITY. If the Insured sustains an accidental bodily injury while insured under this policy which results, directly and independently of all other causes and within 365 days of the accident causing such injury, in the Insured’s death, the…