Hoover v. Mutual Trust Life Insurance

— In 1927 the plaintiff, who was a farmer, purchased three $1,000 life insurance policies from the defendant, which also provided for the payment of $10 a month on each policy in case of plaintiff’s total and permanent disability. In 1933 plaintiff developed an illness known as arthritis. The evidence tends to show that this illness was progressive and caused plaintiff considerable pain and suffering prior to 1937, at which time he alleges that he became totally and permanently disabled, for which he claims benefits under the policies.

Among other things the policies provide that:

“Disability…