National Life & Accident Insurance v. Barnes

In the application for life insurance, which was attached to and made a part of the policy, was the following question: “To what extent do you now, or have you in the past, used intoxicants, morphine, cocaine, or other habit-forming drugs ?” The insured (deceased) gave the following answer: “Occasional drink of whisky.” The defendant company contends that it is not liable on the policy because the answer of the insured to the question in the application was untrue.

In Metropolitan Life Insurance Co. v. Shane, 98 Ark. 132 (135 S. W. 836), the court held that questions in an application for a…