Spiers v. Union Life Insurance

Mr. Presiding Justice Dove

delivered the opinion the court.

This is an action brought by a beneficiary on two insurance policies issued by the defendant. One of the policies is a hospital expense policy and was issued by the defendant to the plaintiff on August 4, 1943. The other policy, issued September 29, 1948, provides for a monthly payment in case of accidental injury.

In its. answer the defendant admitted the execution and delivery of the policies, but denied liability for the reason that the policies were in default for nonpayment of the monthly premiums at the time plaintiff sustained…