Wells v. Prudential Insurance Co. of America

In 1934, the plaintiff’s decedent, Charles Wells, obtained a life insurance policy from the defendant company which included, in addition to the ordinary death benefits, an accidental death benefit, which provided double indemnity “upon receipt of due proof that the death of the insured occurred during the continuance of this policy while there was no default in the payment of premium, as a result, directly and independently of all other causes, of bodily injuries, effected solely through external, violent and accidental means, of which, except in cases of drowning or of internal injuries…