Kloepfer v. Continental Assurance Co.

ELLETT, Justice:

The plaintiff is the widow of Eldon J. Kloepfer, deceased, and sues as the named beneficiary in a group life insurance policy written by the defendant. The sole issue relates to the time when the policy in question became effective.

The facts are not in dispute and are as follows:

The deceased was an aviator and a member of the National Aeronautic Association, which organization had a group insurance policy with the defendant. The master policy contained the following language:

*179This Policy shall be effective from 12:01 A.M. Standard Time, at the Policyholder’s address, on the 1st…