Fulnettle v. North American Mutual Insurance

This action was brought by plaintiff, as beneficiary, to recover death benefits under a policy of accident insurance issued by defendant. The insured was plaintiff’s daughter. The policy provides that “If the Insured shall sustain bodily injury caused directly, exclusively, and independently of all other causes, through external, violent, unintentional, involuntary and purely accidental means occurring during the term of the policy,” defendant will pay a certain sum in the event of loss of life of the insured. In the declaration, it is alleged that the insured, “while alone with her husband…