Metropolitan Life Insurance v. Thompson

The ruling announced in the 5th headnote alone requires elaboration. The policy upon which this action was based contained the following provision: “This policy contains the entire agreement between the company and' the insured, and the holder and owner hereof. Its terms can not be changed or its conditions varied, except by a written agreement, signed by the president or secretary of the company. Therefore, agents (which term includes superintendents, deputy superintendents, and assistant superintendents) are not authorized and have no power to make, alter, or discharge contracts, waive…