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Croll v. John Hancock Mut. Life Ins. Co
198 F.2d 562
3rd Cir.
1952
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*1 562

appellant pleaded guilty, after the case was

transferred from Tennessee Kentucky to provisions

under the Rule of the 20 Procedure,

Rules 18 U.S.C.A. of Criminal

Thereafter, petition he filed 2255 vacation of this sentence under § 28, U.S.C.A., appeals

Tit. and now from a

judgment overruling it. only seemingly meritorious appeal

contention in is that Rule 20 unconstitutional in view of Art. Clause Constitution and the § Kalodner, Judge, dissented. thereto, Sixth Amendment both of which

provide, by jury shall be and that trial

such trial shall be held in State where

the crimes have been committed. These

provisions urged jurisdictional may not be waived. assumed,

While it has been sometimes decided,

though not proceedings had in upon appellant’s

a district court consent and

plea guilty trial in the constitutional

sense, provisions the constitutional venue

have been privileges held to constitute ac- may

corded accused to one of crime and waived, may privileges

be other waived, including trial Only U. Bink, D.C.Or., F.Supp. sup-

S. v. 74

ports appellant’s contention, but that repeatedly disapproved,

case has been Le- S., Cir.,

vine U. 8 182 F.2d cer- denied,

tiorari U.S. 71 S.Ct. Cir., Gallagher, 3 S. v.

L.Ed. U. denied, certiorari

F.2d 283, L.Ed. 659. Precedents are S.Ct. sufficiently cited.

there is affirmed.

Judgment below LIFE HANCOCK MUT. v. JOHN

CROLL INS. CO.

No. 10633. Appeals Court of States

United Third Circuit. April

Argued July 18, 1952.

Decided *2 you Answer told that

“11. Have ever had or been you bad, ‘Yes’ treated or consulted or been physician practitioner or other any following: ‘No’ of the chest, “D. Pain in the shortness Coronary Artery breath, Disease Angina ? No Pectoris Trouble, Stomach Intestinal “F. Appendicitis, Indigestion, Ulcers, Disorder, Gall Bladder or Liver Jaundice, Dysentery No or Hernia? you any X-Ray, elec- “12. Have ever had trocardiographic blood examina- No tions or studies? years, past you, during five “13. Have prac- physician consulted or other titioner, or been confined to or treated dispens- hospital, sanatorium, ary, clinic or institution similar Questions stated in answers to 12? 11 and No ********* pro- certify person "I named as the that I am the posed foregoing Insured, statements that each of the opinion, and answers is a of fact and not statement them, that I have and read each of complete, true all such statements answers correctly recorded. Upper Darby, Pa., “Dated at “Aug. George 13,1948 J. Croll “Signature Proposed Insured. Knowles, Maurer, ap- Philadelphia, Pa., for “Witness: Willard E. M.D.” M. E. pellant. principal The insured’s was the Philadelphia, White, Raeburn Thomas witness; testimony the most was for II, Peace, Wil- H. Ira (William Jewell part buttressed his office records. Scott, liams, White, & Philadel- Williams insured had con- testified appellee. Pa., brief), for phia, on the year him 28 times the five sulted MARIS, KALODNER and STA- Before period prior date written LEY, Judges. Twenty-one plication. visits took these place during months before the 7% Judge.

STALEY, Circuit application signed. Even more im- upon life insurance action portant large This is an than the number of visits is District Court for in the policy commenced on numerous calls the insured the fact that Pennsylvania. On District of complained pains chest and the Eastern other died of insured pain symptoms. Chest January chest accom- coronary as an acute known panied by palpitations on one condition oc- heart these on the defended The insurer physi- occlusion. casions. One of entries misrepresented insured indicates that ground stag- cian’s records insured an- giving minutes, false his health several gered the state unable to application. part of his medical other phy- himself. On visits swers a verdict for directed district sician’s records disclose insured com- $686.28, sum of plained stomach and plaintiff-beneficiary intestinal distress. premiums paid amount representing January interest, and has plus by insured breath, pains and shortness of chest acute appeal. home, taken where summoned morphine. Shortly administered application the latter a written insured, upon thereafter, the advice of He was August on had an physician, taken application con- age. The then Bryn station of the Mawr questions at the alia, following tained, inter very day before Hospital. The answers: 56á plicable

made his insurance he visited fully law of set physician. entry in the doctor’s forth Evans v. Mutual Penn. office records is as follows: Co. of Phildelphia, 1936, 322 Pa. “8/12/48. days Pain pains in 133, 139,1 inch—lumbar back A. 4Yz where the court declared: *3 —epigastric pains by and back are eased it affirmatively appears, “Where from suffi sitting up straight (not completely eased).” documentary cient evidence, policy physician’s The records as well as the was issued in reliance on false and fraud electrocardiogram statements, indicate a tentative di- ulent by made or on behalf of agnosis coronary occlusion. as where false answers shown given by to have been under The issue us whether before is such circumstances that must have been taking district court was correct in the case falsity, aware of their may direct away jury. juris from the Since federal a verdict or judgment enter for in diversity diction citizenship, is based on surer.” See also Freedman v. Mutual Life apply Pennsylvania. we the law of The Ins. 404, Co. New York, 1941, 342 Pa. record is unclear as to whether the insur 81, 21 A.2d 135 A.L.R. 1249. Pennsylvania ance is a contract or a Massachusetts Such deter contract. a When the Penn above statement of mination, however, is not essential to the sylvania applied is law to the fact situa for, regardless decision in this case here, abundantly tion it becomes clear that made, Pennsylvania where the contract was properly the trial court directed verdict apply courts law of the forum in de documentary for With the evi defendant. termining when an issue such as fraud uncontradicted, dence the district court jury. should be submitted to the Sing See necessarily concluded that this was not a Messina, 129, 1933, er v. 312 Pa. 167 A. applicant may case in which have an 1271; 583, 1943, Gorga, A.L.R. Sudol v. honestly given wrong answers. This was 119; Restatement, 346 Pa. applicant may not an in which an instance Laws, Conflict of 595. The Penn §§ 'comparatively have overlooked ill minor sylvania binding on us in rule this case. Livingood nesses. Cf. v. New York Co., Stoner New York Life Ins. Co., 287 Pa. 336, 85 61 S.Ct. L.Ed. 284. juror No should be asked 476.

Questions prior about medical at believe that decedent at the time he tendance are material to the risk and false application may forgotten have permit policy. an answers avoidance of the pains chest or taken York, Derr v. Mutual Life Ins. New Co. hospital many to his visits 554, 41 351 Pa. A.2d period relatively short parties 1. Both cite case treated insured bursitis asserted he positions. reported (which The insured there an application.) of their was relating questions “no” to swered and for a bronchial inflammation. Oth- surgical per- and health medical treatment. erwise he considered the insured fectly instant none of the Unlike the questions normal. The Court of Pennsylvania related to _ held that the issue of fraud symptoms specific properly jury. disease which was submitted to the nothing In the death. the Evans caused case That concluded that Court in the plaintiff-beneficiary documentary admitted that one of evidence in- revealed that thought insured’s would vertebrae sometimes sured or had reason to think rigid position get spinal out of its that the dislocations he suffered were column, promptly slight temporary indisposi- but that this was re more than by osteopathic tions, reported. stored treatment and mas too trivial to be We sage. In the of one have no that doubt in- Court was testified, death of the who insured was fluenced the fact only age a dislocated applica- caused vertebra. The de when the doctors, called two fendant paths, both osteo tion and suffered from no dis- generally who testified that treated ease illness considered to prior the insured allegedly dislocations to the a serious one. fatal one. A third prop- Court District accordingly the fact Appellant stresses the of time. defendant. erly a verdict directed known may have un uneducated most condition. questions resolved disagree. I keenly however, person, suspecting have been sub- should District Court ’ chest, anyone pains in the aware as mitted to in breath, stomach shortness hold. decisions distress.3 testinal prin- legal these enunciate doing so ; ciples position In an effort sustain prima facie case on for the Plaintiff makes out a one of fraud was pay- of insurance proving the contract the documen jury, contends that *4 premiums to time of death. no ment of the is see tary evidence inadmissible. We policy the then avoid burden point. rec order to the The office merit in doctor’s prove company the to shifts to insurance were well as the ords as representations the in that the both properly admitted into evidence under the knew Act, were false and that Records insured Federal the Business when he made them or otherwise 1732,4 were false and statute.5 C. the § Evans Co., making them. in bad faith in acted Life su See Freedman v. Mutual Ins. Company, v. Penn Mutual Life Insurance 404, 21 A.2d The pra, 342 Pa. at 85-87. 560, 547, 1936,322 Pa. 186A. 133. "Where physician’s are not rendered office records either is a the evidence because, there in merely in in some inadmissible conflict or representations falsity as to the physician may delayed stances, have bad knowledge to the or as transcribing in his long as two weeks as faith of case must submitted to the daily office records notes from to jury”. Burton v. Pacific records. Mut. 1951, 613, Co., 615, 310, 84 A.2d reasons, judgment For the above 312, supplied); (emphasis Adams Met- v. will be affirmed. district ropolitan Company, 1936, Life Insurance 322 Pa. 145. A. KALODNER, Judge (dissent- ing). opinion majority in Since the its did what I to be discuss deem critical evidence premise majority’s position principles apply, to which these it becomes testimony, documentary, that the oral and necessary do to so here. established that the decedent must have operated known of heart condition when he busy gasoline application for signed the and insurance service station. In the conduct of his busi- event, regular any Derr v. See Mutual Life Ins. Co. of New made if in course of 542; York, business, regular 351 Pa. and if it was the course Metropolitan Co., Glaser v. Life Ins. to make such of such business memoran 558; Pa.Super. 261, act, A.2d or dum record at the time such Metropolitan Co., transaction, occurrence, Prevete 1941, Life Ins. with or event or 365, 22 343 Pa. A.2d 691. a reasonable time in thereafter.” 28 U. S.O. 1732. § Metropolitan Co., 3. Adams v. Life Ins. 564, 186 upon 322 Pa. which 5. “Business records. relies, distinguishable. There act, record “A of an condition or event documentary was no in that evidence shall, relevant, competent in so far as bé proving case had made qual- if evidence the custodian or other false and fraudulent statements. identity witness ified testifies to its and preparation, regular the mode of its and if it 4. “Record made in busi- course of regular made ness. course of business any act, at near “In or the time court of the States condition United * *, writing record, event, if, or whether entry court, information, in the form in book or oth an the sources of meth- erwise, preparation a memorandum as or record od and time of were such as any act, transaction, occurrence, justify May 4, its admission.” Act of event, shall be admissible evidence of P.L. No. § 28 Purdon’s act, transaction, occurrence, such Pa.Stat.Annot. 91b. § physical physicians, labor. names of engaged taxing only listed ness he she oil, operation. but he only gasoline He not hemorrhoid testimony sold elic- changed tires. ited lubricated cars and decedent had been treated labor; physical latter involved her kidney considerable a diseased condi- heavy tion jacked-up, automobiles had to be fifteen times month three removed, period prior application, tires tire wheels to be had and a num- de- away replaced. At times ber of other carried times within the preceding required heavy years. However, four cedent was to move drums the instant “ * * * servicing automobile radiators alcohol testified that he physi- ‘persistently for cold The decedent’s concealed weather. the true facts of ” * * engaged throughout cian knew that in these her he was case her illness *.’ tasks,1 testimony, but he cautioned That held, strenuous never Court “ * * * engaging him from that he should refrain it a jury say dangerous them or that were to him. whether requisite or not the bad shown”, He never advised the decedent that was faith was and that in view of it “ * * * jury serious might disease very well con- illness. occasions the clude On several there had been no fraudulent *5 pains by told decedent that distress he any ‘grave, the concealment insured of im- suffering digestive portant was were due to disturb- or serious disease’”. “worry- ances and him against cautioned Likewise in Travellers Insurance Com- period ing”. the of During decedent’s pany Heppenstall Company, 1948, (March May 21, 1948) treatment 27 to the Pa. although electrocar- physician gave injections him a number of diograms diagnosis “possible led to a of cor-

to his stimulate libido. flagging onary” physician the decedent’s did not dis- significant This the evidence as to failure close that fact to him. While decedent had application the to advise decedent of the disclosed in his x-rays that condition; his electrocardiograms his statement to him taken, had been he an- merely suffering response he was from a di- swered “no” in question the to disturbance; gestive the absence warn- to whether he had suffered from “disease of' ing the re- to the decedent to the Supreme Court, heart”. The in de- a taxing physical claratory frain from work and the judgment proceeding instituted stimulate, injections of testosterone to his the company, insurance affirmed ruling the question libido made the the decedent’s of the lower court question of the- good jury. one might faith for It well good the insured’s faith was for the so, doing jury have convinced a that the decedent the Court stated 360 at pages page is, was A.2d at unaware serious illness and 811: “It course, stating that, well good that he in in so in established acted faith in order to avoid a for insurance. the ground on alleged representations, fraudulent the insurer must presented parallel Almost a situation was show, not only that the were statements Metropolitan in Life Insurance Adams v. false, but that the insured knew were Company, supra. There decedent stated in false otherwise acted in 'bad faith in application for insurance her making them”. good; phy- was had had health she no In Burton v. Pacific infirmity or mental defect or and that Mutual Life sical Insur- Company,supra, ance the illness had occurred four months decedent was her last also kept in ignorance of his illness hospital phy- ago, was confined to a when she There, sician. days operated for hem- decedent was for ten the removal of a on In answer to the to for orrhoid. the removal of adenoids and tonsils. by physi- During been attended a operation whether she had course of the the sur- years preceding geon charge five and if growth cian noticed a at the n give tongue the details of illness and the base of which laboratory reports 1. The was one of decedent’s service station customers. any medical or of nor had A series been “disabled or later showed to cancerous. he testimony at the surgical

x-ray decedent treatment”. The given treatments were decedent later, de- trial effect that nine months. Some months was six years prior to date hospital following had for five or six cedent was taken to the a verte- application, dislocation of He died of suffered hemorrhage a throat. brain, had that he cancer of bra near base the throat. dislocations-, similar thereafter had several application, In his six weeks about five during the been treated that he had entering hospital, before the decedent various year period by doctors three good stated that he and the health dislocations, cerebral and that he died of a only physicians had consulted he appli- hemorrhage months after three past five had been reference Supreme Court for insurance. The cation tonsilectomy. Three doctors had treat- who bene- jury verdict decedent’s affirmed ed the decedent testified that had nev- ficiary, holding, page 322 Pa. at 186 A. er told him he suffering from cancer ' applicant page at 138 “When the states and that in their did not know good and believes it to be he is in health he had the disease. so, though suffering fact he is Court held that the mere insidious disorder latent disease of some fact undergone recovery may aware, he is not which long x-ray course of treatments was not and, page 322 Pa. at ac had” knowledge part sufficient to infer on his any event, controlling page “In that he was from a serious illness good factor is the faith of the jury and affirmed a verdict in favor of the showing fraud is on in- the burden of beneficiary. surer, it.” who asserts *6 Finally, supra, the Evans the facts in dece- this case and Under stated, plicable principles dent had stated in above I would re- infirmity; had never had disease verse.

Case Details

Case Name: Croll v. John Hancock Mut. Life Ins. Co
Court Name: Court of Appeals for the Third Circuit
Date Published: Jul 18, 1952
Citation: 198 F.2d 562
Docket Number: 10633_1
Court Abbreviation: 3rd Cir.
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