Daniels

This case arises out of an action brought by the wife and children of the decedent, Ronald L. Daniels, a former employee of defendant Pacific Gas and Electric Company (PG&E), for life insurance proceeds allegedly owed them as Daniels’ beneficiaries of a group life insurance policy issued by respondent insurance company. The trial court granted defendants’ motion for a nonsuit, and this appeal by plaintiffs followed. We affirm.

Ronald Daniels commenced working for PG&E on January 6, 1964. As a PG&E employee, Daniels was covered under a group life insurance policy issued by defendant insurance company. The individual certificate of insurance issued to Daniels specifically provided for automatic termination of the group policy upon termination of employment with PG&E, and the right to convert the group life insurance policy to an individual life insurance policy if application therefor was made within 31 days following termination of employment.

On March 15, 1974, Daniels voluntarily terminated his employment with PG&E. Two days later he started working for his new employer, Wismer and Becker. On April 27, 1974, Daniels was killed in an automobile accident.

Plaintiffs…