Guest v. Horace Mann Insurance Company

Birdsong, Judge.

The basic facts of this case are undisputed. This is an action for recovery of the additional $100,000 in life insurance benefits pursuant to the policy rider for “death resulting from an accident.” The rider was part of a policy of life insurance with a face amount of $100,000 issued by appellee to appellant’s benefactor. The decedent died as a result of circulatory collapse from cardiac arrhythmia caused by the ingestion of three separate cold medications, all containing the medication phenylpropanolamine. The policy rider provided for an additional $100,000 in benefits in…