Prudential Ins. Co. v. Gray

FOSTER, Justice.

In the case of New England Mut. Life Ins. Co. v. Reynolds, 217 Ala. 307, 116 So. 151, 59 A. L. R. 1075, the waiver of the future premiums was the only question, and that was made to depend upon the circumstance that proof of disability was furnished before the premium became due. There was no disability insurance under which benefits existed before the premium was due in an amount equal to such premium.

In McGifford v. Protective Life Ins. Co., 227 Ala. 588, 151 So. 349, there was insurance against disability as well as death, but the right did not exist by the express terms of…