Adler v. New York Life Ins. Co.
| Decision Date | 29 May 1929 |
| Docket Number | No. 8016.,8016. |
| Citation | 33 F.2d 827 |
| Parties | ADLER v. NEW YORK LIFE INS. CO. |
| Court | U.S. Court of Appeals — Eighth Circuit |
Thomas S. Buzbee, George B. Pugh, H. T. Harrison, and A. S. Buzbee, all of Little Rock, Ark., for appellant.
Louis H. Cooke, of New York City, and Rose, Hemingway, Cantrell & Loughborough, of Little Rock, Ark., for appellee.
Before STONE, LEWIS, and BOOTH, Circuit Judges.
This is an appeal from a decree canceling a life insurance policy on the ground of fraud and enjoining the beneficiary from bringing suit for recovery thereon.
William F. Perrin made applications to appellee for five insurance policies on his life. These applications were upon November 14, 1924. In connection with these applications he was examined by two medical examiners for the company. As a part of these examinations he signed a form, which was "Part II" of the application (entitled "Part II Application to the New York Life Insurance Company Answers to the Medical Examiner"), wherein he had written answers to various printed questions. Above his signature was a paragraph, reading, in part: "I declare that I have carefully read each and all of the above answers, that they are each written as made by me, and that each of them is full, complete and true, and agree that the Company believing them to be true shall rely and act upon them." The entire application was attached to the proper policy. Each policy contained a provision as follows:
Among the questions in the application were the following with the answers thereto given by Perrin:
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7. A. Have you had any accident or injury or undergone | "Yes" | DETAILS and, if within five years, name and
any surgical operation? | or "No" | address of every Physician consulted
| "Yes" | Tonsilectomy — in 1918
----------------------------------------------------------|-----------|-----------------------------------------------------------
B. Have you been under observation or treatment | |
in any hospital, asylum or sanitarium? | No |
----------------------------------------------------------|-----------|-----------------------------------------------------------
C. Has albumin or sugar been found in your urine? | No |
----------------------------------------------------------|-----------|-----------------------------------------------------------
D. Have you been found to have a high blood | |
pressure? | No |
----------------------------------------------------------|-----------|-----------------------------------------------------------
E. Have you raised or spat blood? | No |
----------------------------------------------------------|-----------|-----------------------------------------------------------
F. Have you gained or lost in weight in the last | |
year? | No | Gain? Loss? Cause
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| | | | | | | Results and, if
| | | | | | | within five years
8. Have you consulted a physician | "Yes" | Name of Ailment | No. of | Date | Duration | Severity | name and address
for or suffered from | or "No" | or Disease | Attacks | | | | of every Physician
any ailment or disease of | | | | | | | consulted
|---------|-----------------|-----------|--------|------------|-----------|--------------------
A. The Brain or Nervous | | | | | | |
System? | No | | | | | |
------------------------------------|---------|-----------------|-----------|--------|------------|-----------|--------------------
B. The Heart, Blood Vessels | | | | | | |
or Lungs? | No | | | | |
------------------------------------|---------|-----------------|-----------|--------|------------|-----------|--------------------
C. The Stomach or Intestines, | | | | | | |
Liver, Kidneys or | No | | | | | |
Bladder? | | | | | | |
------------------------------------|---------|-----------------|-----------|--------|------------|-----------|--------------------
| | | | | | | Complete recovery
D. The Skin, Middle Ear or | Yes | Slight | | Oct. | 3 | mild | F.G.A. Bardenheim
Eyes? | | deafness | 1 | 1921 | weeks | |
------------------------------------|---------|-----------------|-----------|--------|------------|-----------|-------------------
9. Have you had Rheumatism, | | | | | | |
Gout or Syphilis? | No | | | | | | St. Louis, Mo
------------------------------------|---------|-----------------|-----------|--------|------------|-----------|-------------------
10. Have you consulted a physician | | | | | | |
for any ailment or disease not | | | | | | |
included in your above answers? | No | | | | |
------------------------------------|---------|-----------------|-----------|--------|------------|-----------|-------------------
11. What physician or physicians, | | Date | Reason for Consultation, Examination
if any, not named | Name and Address | | or Treatment
above, have you consulted or | None | |
been examined or treated by | (If none, say none.) | |
within the past five years? | | |
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The fraud alleged as the basis for cancellation of the policies is that some of the above-quoted answers were false and fraudulent in that:
Two amendments to the petition were as follows:
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