Walter v. People's Health & Accident Insurance

The plaintiff is the beneficiary of an insurance policy issued by the defendant company, insuring plaintiff’s husband against accidental injuries, sickness, or death. In January, 1910, the insured was killed while walking on the right of way of the Grand Rapids & Indiana Railway Company near the station of Reno. The defendant refused to pay the full insurance, but tendered two-fifths of it, under stipulation “ K ” of its policy, which provides that, in the event of death—

“ Resulting from unnecessary exposure to obvious risk of injury or obvious danger, * * * the limit of the company’s…