Davis v. Metropolitan Life Insurance

The beneficiary brought suit upon a $1000 policy of life insurance, dated March 27, 1931, which contained a provision that, “if the insured within one year from the date of issue hereof die by his own hand or act, whether sane or insane, the liability of the company hereunder shall be limited to an amount equal to the premiums which have been received, without interest.” The sole defense was that the insured died from bi-chloride of mercury poisoning by her own voluntary act. The answer further pleaded that-the defendant “ offered to return the amount of the premiums paid by the deceased, to…