Skaggs v. Aetna Life Insurance Co.

CRIST, Judge.

Aetna Life Insurance Company (Aetna) issued an accidental death insurance policy to Gloria and James W. Skaggs which provided the mortgage on their home would be paid upon the accidental death of James Skaggs (Decedent). This policy further provided: “No benefit will be paid for loss of life resulting from an injury caused, to any extent, by ... suicide or a suicide attempt.” The Certificate of Insurance also stated: “No benefit will be paid for loss of life resulting from an injury caused, to any extent, by ... suicide or any attempt thereat while sane.”

Both parties concede…