Pearsall v. John Hancock Mutual Life Insurance

On March 16, 1920, the defendant issued two insurance policies to Harry E. Pearsall on his life. Each policy contains a “total and permanent disability benefit provision” which provides that if the insured becomes “wholly and permanently disabled . . . and has been so disabled for not less than sixty days, then, if there is no premium in default, upon receipt of due proof of such disability,!’. occurring before the insured reaches the age of *362sixty, the defendant “will waive the payment of further premiums, after the then current policy year, during the continuance of the disability, and, at…