144 Wis. 206 | Wis. | 1910
The only error relied upon is that there were no facts proven to sustain a judgment in favor of plaintiff.
There is evidence to sustain a finding of these facts: The policy was issued October 13, 1904, on the life of plaintiff’s husband, and the first semi-annual premium was paid. The second semi-annual premium became due April 13, 1905. A •short time prior thereto the plaintiff went to the offi.ce of the
The trial court instructed the jury as follows:
“In order that she may recover in this action, the plaintiff must satisfy you, by the preponderance of the credible evidence, that she went to the defendant’s authorized agent prepared to pay the premium in question, made known her desire to pay the same to such agent, and was only prevented or deterred from making such payment, or making lawful tender,, by conduct or statements on the part of such agent which rea*209 sonably led ber, the plaintiff, to honestly believe that failure to make sucb payment or sueb tender at such time would not be relied upon by the defendant to work a forfeiture of the policy, and that she relied upon sucb conduct or representation, and therefore did not make a payment or tender of the premium at that time;”
In returning a verdict in favor of plaintiff under this charge and the evidence, the jury in effect found that plaintiff went to an agent of the defendant authorized to deal with her on the subject; that she offered to pay him the premium before it became due; that she was deterred from making such payment by conduct or statements on the part of such agent which induced in her an honest belief that a failure to then make the payment or tender would not be relied upon by the company to work a forfeiture of the policy. We cannot say that such a finding rests upon evidence so unsatisfactory that this court can set it aside. It is true there is a conflict in the evidence, but the jury resolved such conflict in favor of the plaintiff, and we cannot disturb the result they reached. The conflict consisted mainly in the denial by the superintendent, Comer, that he had ever had such conversations with plaintiff as she testified were had by her with some one in his office, and in the testimony of the agent Redfield that he had called upon her at her house to collect the premium, but that she refused to pay it, and also in the testimony of an agent, Geise, who said that she had told him her husband had canceled the policy.
It is urged that the plaintiff was not credibly informed that the policy had been canceled by the company. It is an admitted fact, however, that the company did cancel the policy on the 22d of May, 1905, for nonpayment of premium, and it cannot now be heard to say that it did not properly or credibly inform her of the fact. The information did come to her, and it was true. That is enough. After the policy was canceled and the plaintiff had knowledge thereof, no duty de
Plaintiff remitted from the verdict the amount of the unpaid premiums from April, 1905, to the date of death of insured, with six per cent, interest from the time each, became due according to the terms of the policy.
By the Oourt. — Judgment affirmed.