Golden Rule Insurance v. Olson

Plaintiff, Golden Rule Insurance Company, brought a declaratory judgment action in the circuit court of Lawrence County, challenging the enforceability of a health insurance policy issued by plaintiff to defendant, Ronald J. Olson. Plaintiff alleged in its complaint that the policy was void ab initio because of certain misrepresentations made by defendant in his application for health insurance, concerning the extent of defendant’s use of alcohol and the indication of any alcohol abuse on defendant’s part. Based on these alleged misrepresentations, plaintiff rescinded defendant’s policy of…