McDaniel v. Metropolitan Life Insurance

Fox, Judge:

The plaintiffs, John J; McDaniel and Rosetta McDaniel, beneficiaries under a life insurance policy issued by the defendant, Metropolitan Life Insurance Company, to Charlie J. McDaniel, sued in the circuit court of Mercer County to recover the face of the policy. The policy is dated December 1, 1984, and contains the following provision :

“If the Insured within one year from the date of issue hereof die by his own hand or act, whether sane or insane, the liability of the Company hereunder shall be limited to an amount equal to the premiums which have been received, without interest.”

C…