Stanley v. John Hancock Mutual Life Insurance

The supplementary contract sued upon is headed' in part as follows: “ Provision for benefit in the event of total and permanent disability.” Clause B, relied upon by the plaintiff-respondent, provides for the benefits described “ in the absence of conclusive proof of permanency * * * if due proof as aforesaid shall be presented that the insured has been totally disabled * * * for a period of not less than ninety days.”

I construe the clause in question to mean that the company will grant the benefits in the event of total permanent disability, and if permanency is not susceptible of due proof…