Straub v. Crown Life Ins. Co., 34746
Citation | 496 S.W.2d 42 |
Decision Date | 22 May 1973 |
Docket Number | No. 34746,34746 |
Parties | Gloria C. STRAUB, Plaintiff-Appellant, v. CROWN LIFE INSURANCE CO., a corporation, Defendant-Respondent. . Louis District |
Court | Court of Appeal of Missouri (US) |
Flynn & Parker, St. Louis, for plaintiff-appellant.
Hocker, Goodwin, Koenig, Gibbons & Fehlig, St. Louis, for defendant-respondent.
Plaintiff sued to recover $10,000 on a duplicate certificate of eligibility as beneficiary under defendant's group insurance policy issued to Pioneer Liquor Company. Judgment was for defendant and plaintiff appeals. We affirm.
As salesman for Pioneer Liquor Company, William A. Straub was entitled to participate to the extent of $10,000 in his employer's group life insurance policy issued by defendant insurer. The employer issued Mr. Straub two $10,000 certificates for reasons not entirely clear. When Mr. Straub died plaintiff-deneficiary filed claim on one certificate and defendant paid her $10,000. She then filed a claim on the other certificate and sued when payment was denied.
A contract of group insurance is one between the insurer and the employer for the benefit of the latter's employees; the certificate of insurance which is issused to the individual employee is merely a statement to him that he is insured under the group policy. The rights of an employee or his beneficiary are determined therefore under the provisions of the contract between the insurer and the employer. Satz v. Prudential Insurance Company of America, 225 S.W.2d 480 (Mo.App.1949).
Defendant's policy states:
Plaintiff's rights are limited to the terms of defendant's policy which exclude coverage beyond the...
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