Whitton v. American National Insurance

Under the precise terms of the contract sued upon, the insurer agreed to pay a certain sum in twenty equal-annual installments of $50 each “in the event of the total and permanent loss of sight of both eyes, or loss of both arms, or both legs, or one arm and one leg, or one eye and one limb, of the insured,” or in the further event that the insured should become “totally and permanently disabled to such extent as to render it impossible for him to engage in any gainful occupation whatever.” The contract itself expressly declared that “the total and permanent disability referred to must be…