Pilot Life Ins. Co. v. McCrary

Decision Date05 April 1961
Docket NumberNo. 1,38728,Nos. 38727,s. 38727,1
Citation103 Ga.App. 549,120 S.E.2d 134
PartiesPILOT LIFE INSURANCE COMPANY v. McCRARY, Executor. McCRARY, Executor, v. PILOT LIFE INSURANCE COMPANY
CourtGeorgia Court of Appeals

Syllabus by the Court.

The trial court did not err in striking, on motion in the nature of a general demurrer, the amendment to the defendant's amswer, nor in thereafter overruling the defendant's amended motion for new trial.

W. L. McCrary, as executor of the estate of Carrie S. McCrary, plaintiff, sued Pilot Life Insurance Co., as defendant, to recover on a policy of group life insurance issued by the defendant. The defendant filed an answer in which it denied that the deceased was covered by the policy for reason of certain alleged facts. The plaintiff then amended his petition and sought to plead waiver of such facts, and the defendant filed an amendment in which it alleged fraud on the part of the policyholder, but on motion, in the nature of a general demurrer, by the plaintiff such amendment was ordered stricken. Previously the trial court had overruled the plaintiff's motion, in the nature of a general demurrer, to strike the defendant's original answer. The jury returned a verdict for the plaintiff and thereafter the trial court overruled the defendant's amended motion for new trial. The defendant assigns error on the judgments adverse to it, and in the cross-bill of exceptions the plaintiff assigns error on the judgment overruling his motion to dismiss the defendant's original answer.

Hull, Willingham, Towill & Norman, Walter A. Reiser, Jr., Augusta, for plaintiff in error.

Fulcher, Fulcher, Hagler & Harper, William C. Reed, Augusta, for defendant in error.

NICHOLS, Judge.

The contract of insurance contained the following provisions: 'This policy and the application of the policyholder, which is made a part hereof, shall constitute the entire contract between the parties. The validity of this policy shall not be contested, except for nonpayment of premiums, after it has been in force for one year from its date of issue; no statement made by any person insured under the policy relating to his insurability shall be used in contesting the validity of the insurance with respect to which such statement was made after such insurance has been in force prior to the contest for a period of one year during such person's lifetime nor unless it is contained in a written instrument signed by him. A copy of the application, if any, of the policyholder shall be attached to the policy when issued. All statements made by the policyholder or by the persons insured shall be deemed representations and not warranties, and no statement made by any person insured shall be used in any contest unless a copy of the instrument containing the statement is or has been furnished to such person or to his beneficiary. If the age of any person insured hereunder has been misstated, there shall be an equitable adjustment of the premiums between the company and the policyholder. The basis for such adjustment shall be a recomputation of the premium, using for such recomputation the correct age of the person whose age has been misstated and the amount of insurance to which he was properly entitled under the plan of insurance set forth herein. If such misstatement has caused the person to be insured for an amount other than that provided in the provisions hereof entitled 'Amount of Insurance' for his correct age, there shall be an adjustment of the amount of his insurance to that determined by his correct age in accordance with the provisions entitled 'Amount of Insurance' and such amount shall be used in the adjustment of premiums.' The application of the employer, referred to in the contract as the policyholder, was set forth as an exhibit to the pertition and was introduced in evidence and nowhere contained any...

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6 cases
  • Dawes Min. Co., Inc. v. Callahan
    • United States
    • Georgia Supreme Court
    • October 8, 1980
    ...711, 715, 171 S.E. 317 (1933); Cason v. Aetna Life Ins. Co., 91 Ga.App. 323(1), 85 S.E.2d 568 (1954); Pilot Life Ins. Co. v. McCrary, 103 Ga.App. 549, 550 120 S.E.2d 134 (1961); Piedmont Southern Life Ins. Co. v. Gunter, 108 Ga.App. 236, 237, 132 S.E.2d 527 (1963). That court has held that ......
  • United of Omaha Life Ins. Co. v. Sun Life Ins. Co. of America
    • United States
    • U.S. Court of Appeals — Eleventh Circuit
    • March 1, 1990
    ...Ga.App. 323, 85 S.E.2d 568 (1954) ], supra, and in determining which of its employees are employed full time, Pilot Life v. McCrary [103 Ga.App. 549, 120 S.E.2d 134 (1961) ], supra. These cases are governed by the rule that the employer who obtains a group insurance policy covering its empl......
  • Clements v. Continental Cas. Ins. Co.
    • United States
    • U.S. District Court — Northern District of Georgia
    • December 22, 1989
    ...Piedmont Southern Life Insurance Co. v. Gunter, 108 Ga.App. 236, 237, 132 S.E.2d 527, 530 (1963); Pilot Life Insurance Co. v. McCrary, 103 Ga.App. 549, 550, 120 S.E.2d 134, 135 (1961); Cason v. Aetna Life Insurance Co., 91 Ga.App. 323, 331, 85 S.E.2d 568, 572 (1954). Therefore, it appears t......
  • Prudential Insurance Company of America v. Bennett
    • United States
    • U.S. District Court — Southern District of Georgia
    • January 10, 1969
    ...status of a deceased employee amounts to knowledge by the insurance company. See in this connection: Pilot Life Insurance Company v. McCrary, Executor, 103 Ga.App. 549, 120 S.E.2d 134; Cason v. Aetna Life Insurance Company, 91 Ga.App. 323, 85 S.E. 2d 568; Equitable Life Assurance Society v.......
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