Hoyt v. John Hancock Mutual Insurance

In 1956 the defendant issued a life insurance policy in the sum of $2,500 to Glenn W. Hoyt, containing the provision that ‘ ‘ The company shall pay an Additional Benefit of * * * ($2,500) * * * subject to the conditions, exceptions and exclusions hereinafter set forth * * * upon * * * due proof * * * (ii) that the death of the Insured was caused directly and independently of all other causes, by a bodily injury sustained solely by external, violent and accidental means * * * (iv) that such bodily injury was evidenced by a visible wound or contusion on the exterior of the Insured’s body,…