Cager v. Southern Life & Health Insurance

GULOTTA, Judge.

Plaintiff, a named beneficiary, appeals from the dismissal of her suit for death benefits under a life and accidental death insurance policy covering a named insured who died as a result of gunshot wounds.

The policy provides benefits for death by accidental means when the named insured

“. . . has sustained accidental drowning or bodily injuries which are effected directly and independently of all other causes through external, violent and accidental means . . . .”

*1167The pertinent exclusion contained in the policy is as follows:

“This policy does not cover death . resulting directly…