Business Men's Indemnity Assn. v. Washburn

On November 17, 1916, appellant, a mutual benefit association, accepted Nathan T. Wash-burn as a member and issued to him a certificate of membership and policy of insurance reading in part as follows: “The Association hereby accepts the insured as a member and hereby insures him, subject to the terms, hereinafter contained, against bodily injuries and death or disability resulting therefrom, effected directly, independently and exclusively of all other cause, contributing or proximate, through external, violent and accidental means.... Section 12. This policy does not cover any injury…