First Nat. Bank v. Equitable Life Assur. Soc.

The action is upon a policy of accident insurance; more specifically upon the “Special Provisions” of a life policy providing “Double Indemnity” in case of death “in consequence of bodily injury effected solely through external, violent and accidental means * * * and as the direct result thereof independent of all other causes.”

Another .clause stipulates that such agreement shall not cover death from engaging in certain hazardous occupations, etc., “or death resulting directly or indirectly from bodily or mental infirmity, ptomaines, or bacterial infections ■ other than infection occurring…