Franklin v. John Hancock Mutual Life Insurance
New York Court of Appeals
Insertion of the words “ self-destruction while sane or insane ” violates the statute. (Insurance Law, § 101; § 155, subd. 2, par. [b]; Shipman v. Protected Some Circle, 174 N. Y. 398; Van Zandt v. Mutual Benefit Life Ins. Co., 55 N. Y. 169; Meacham v. New York State Mut. Benefit Assn., 120 N. Y. 237; Matter of Delinousha v. National Biscuit Co., 248 N. Y. 93; De Cogorza v. Knickerbocker Life Ins. Co., 65 N. Y. 232; Bakker v. Aetna Life Ins.
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Insertion of the words “ self-destruction while sane or insane ” violates the statute. (Insurance Law, § 101; § 155, subd. 2, par. [b]; Shipman v. Protected Some Circle, 174 N. Y. 398; Van Zandt v. Mutual Benefit Life Ins. Co., 55 N. Y. 169; Meacham v. New York State Mut. Benefit Assn., 120 N. Y. 237; Matter of Delinousha v. National Biscuit Co., 248 N. Y. 93; De Cogorza v. Knickerbocker Life Ins. Co., 65 N. Y. 232; Bakker v. Aetna Life Ins. Co., 264 N. Y. 150.) The policy clause simply expresses the legislative intention — and stops right there. This is no infringement. {City of New York v.…
1Opinion of the Court
This plaintiff is the beneficiary named in a policy of insurance upon the life of her husband which the defendant company issued and delivered to him in this State on November 13, 1943. It is thereby provided: “ If the Insured shall die within two years from the date of issue of this policy by self-destruction, while sane or insane, the amount payable hereunder shall be limited to the premiums paid On November 12, 1945, the insured destroyed his life by hanging himself. In response to timely notice of that occurrence, thé defendant company sent to the plaintiff the following communication: “…
2Cases cited6 opinions
- De Gogorza v. . Knickerbocker Life Ins. Co.New York Court of Appeals · 1875
- Perkins v. . SmithNew York Court of Appeals · 1889
- Claim of Delinousha v. National Biscuit Co.New York Court of Appeals · 1928
- Van Zandt v. . Mutual Benefit Life Ins. Co.New York Court of Appeals · 1873
- Weed v. . Mutual Benefit Life Ins. Co.New York Court of Appeals · 1877
1 more not listed; retrieve them via the Exa API.
3Cited by14 opinions
- Harrison v. Metropolitan Life InsuranceDistrict Court, S.D. New York · 2006
- Donna Joan Zogg v. Penn Mutual Life Insurance CompanyCourt of Appeals for the Second Circuit · 1960
- Strasberg v. Equitable Life Assurance Society of the United StatesAppellate Division of the Supreme Court of the State of New York · 1952
- Durant v. Motor Vehicle Accident Indemnification Corp.Appellate Division of the Supreme Court of the State of New York · 1964
- Metropolitan Life Insurance v. SchmidtNew York Court of Appeals · 1949
9 more not listed; retrieve them via the Exa API.