Stoffel v. American Family Life Insurance

The insurance policy on which this action is based provides for a double indemnity payment in the event of accidental death. The provision on which recovery is sought reads:

“The American Family Life Insurance Company . . . Hereby agrees, subject to the definitions, conditions and limitations hereinafter provided, that if during the period of coverage hereinafter specified the death of the Insured shall occur as the direct result of bodily injury and independent of all other causes, effected solely through external, violent and accidental means, as evidenced by a visible contusion or wound on…