Reserve Life Insurance Company v. Ferebee

On January 21, 1957, Earl H. Ferebee, at the solicitation of Eddie A. Brown, an agent of the Reserve Life Insurance Company, signed a written application for an insurance policy, effective as of January 25, 1957. On March 24, 1958, fourteen months thereafter, when the policy was in effect, Ferebee was hospitalized and underwent surgery for the removal of a kidney stone. His hospital and surgical expenses amounted to $539.90. Payment of that amount was refused by the insurance company, and Ferebee instituted this action. The company denied liability on the ground that the application for the…