White v. Empire State Degree of Honor

Citations

• 47 Pa. Super. 52
• 1911 Pa. Super. LEXIS 110

Syllabus

<p>Insurance — Contract—Acceptance of policy — Lex loci — Application— Indorsement on policy — Suicide•—Proofs of death — Waiver.</p> <p>1. Where an application for insurance addressed to a foreign insurance company, differs from the contract of insurance, prepared and offered by the company, the contract of insurance will not be complete, until it has been accepted by the insured, and if such acceptance takes place in Pennsylvania, the contract will be deemed a contract of Pennsylvania, and not of the state of the domicile of the insurance company.</p> <p>2. An indorsement on the back of an insurance policy will not be regarded as part of the contract, where it is not referred to either in the policy, or in the application, and there is nothing to show that the parties meant it to be a part of the contract.</p> <p>3. A policy of life insurance cannot be forfeited as against the beneficiary on the ground that the insured committed suicide, unless it is stipulated in the policy that suicide will avoid the contract.</p> <p>4. Where an insurance company is notified of the death of an insured, and denies all liability on the ground that the insured committed suicide, such denial amounts to a waiver of further notice and proofs of death.</p>