Snyder v. United Benefit Life Insurance

Plaintiffs’ claim-is that their son applied for life insurance with de- ■ fendant, naming them as beneficiaries, and fully complied with all of defendant’s requirements for such insurance, including completion of the defendant’s application, payment of the initial premium and submission to a physical examination. Upon their son’s subsequent accidental death, plaintiffs claim as named beneficiaries the face amount of insurance for which he had applied, basing their claim on 2 alternative theories: (1) that an insurance contract between decedent and defendant became fully effective upon…