40 Ga. App. 811 | Ga. Ct. App. | 1930
1. “A statement in an application for reinstatement of a policy of insurance, rendered necessary by the lapse of the same, that the insured is in ‘good health,’ is not to be construed as a warranty that his health is absolutely perfect, but only that his health is practically the same as it was when the policy was issued.” Massachusetts Benefit Life Asso. v. Robinson, 104 Ga. 256 (10), 289 (30 S. E. 918, 42 L. R. A. 261); Atlantic & Birmingham R. Co. v. Douglas, 119 Ga. 658 (2) (46 S. E. 867). Accordingly, where, in a suit on a policy of life-insurance, commonly called an “industrial policy,” which was originally issued December 27, 1926, but lapsed January 2, 1928, and was reinstated on an application therefor dated April 28, 1928, it appeared that at the time of the application for reinstatement the insured was about 24 years of age, and was working as a stevedore, and continued to work until within two weeks of his death, which occurred on May 28, 1928, and appeared to be in good health, and where the company’s agent who took the application for reinstatment and signed a certificate of inspection certified that he had seen and examined the applicant, that he recommended reinstatement of the policy, and that he considered the applicant a “first-class” risk, and where the attending physician certified that the cause of the death of the applicant was “malaria,” but another physician, who had performed an autopsy upon the body, testified that the cause of the death was tuberculosis, which must have existed in an advanced state at the date of the application for reinstatement, but who further testified that the deceased must have had tuberculosis for a year or more prior to his death, it can not be said as a matter of law that the reinstatement of the policy was void because of a false warranty made by the insured as to the state of his health at the time of its reinstatement. Consequently, it can not be said that the finding of the trial judge in the municipal court, in favor of the plaintiff, was unauthorized by the evidence.
2. “An insurable interest is not necessarily dependent upon marital rela-tion or kinship by affinity or consanguinity. In a broad sense it may be said that any one has an insurable interest in the life of another where the latter feels sufficient interest in his welfare for any reason
3. Under the foregoing rulings, the judge of'the superior court did not err in overruling the defendant’s petition for certiorari.
Judgment affirmed.