42 N.Y.S. 584 | N.Y. App. Div. | 1896
The subject of the action is a contract of insurance of date October 16, 1893, by which the defendant, upon the application of Abram J. Crum, and upon the conditions of the policy, promised to pay to his executors, administrators, or assigns $500 on proof of his death. The consideration of the defendant’s undertaking was the agreement of the insured to pay a weekly premium of 40 cents in advance every week during the continuance of the policy, and among the conditions were those that, if the premium should not be called for by an agent of the company on or before the day when due, it should be the duty of the policy holder to bring or send it to the home office of the company within four weeks thereafter; that no payment of premiums would be recognized by the company unless made to a duly-authorized agent, and by him entered at the time of payment in the premium receipt book belonging with the policy; and that agents were not authorized to waive forfeitures or receive premiums on policies in arrears beyond the term allowed by the regulations of the company, which in no case should exceed four weeks. The policy was assigned by the insured to the plaintiff, his sister, soon after it was issued. He died July 27, 1895. The only questions presented on this review are whether or not the entry of payments of premiums in such receipt book was essential to render them effectual as such, and whether evidence was competent to prove that payments not entered in the book were in fact made to the agent of the defendant. As represented by the entries in the receipt book, it appears that the weekly premiums were paid up to June 10, 1895, and that 40 cents were afterwards, and on July 15th, paid. This, if nothing further appeared, would bring the payments to June 17th, and thus the policy would have lapsed 12 days before the death of the insured. The plaintiff gave evidence tending to prove that the weekly premiums were fully paid up to within two weeks of the time of the death of the insured. The testimony of the plaintiff and her daughter was to that effect. And the plaintiff says she did not examine the receipt book to see whether or not the agent inserted the entries of the payments upon it when they were made to him. The agent was unwilling to positively testify that he entered in the book all the payments of premiums made to him by the plaintiff. The question whether they had all been paid was submitted to the jury, and the court charged them that, if the premiums were not paid according to the terms of the policy, and payments were in arrears more than four weeks at the
We think the entries or omission of entries in the book were not necessarily entitled to controlling effect upon the result, and therefore the judgment and order should be affirmed. All concur.