McKay

McKay v. New York Life Insurance

Good Law
124 Cal. 270·1899 Cal. LEXIS 984·56 P. 1112
Supreme Court of CaliforniaApril 13, 1899S. F. No. 949California1,099 words

Opinion

Lead Opinion

Britt, J.

In this cause the defendant demurred to plaintiff’s amended complaint for alleged want of facts to constitute a cause of action; the demurrer was sustained and judgment passed in defendant’s favor. It is in substance alleged in said complaint, among other things, that one Houser, an agent of the defendant insurance company, represented to plaintiff that in consideration of the payment by the latter of a specified annual premium, the company would issue to him a policy of life insurance in such form as to entitle him (among other benefits) to receive from defendant the sum of five thousand dollars in case he survived a period of ten years; that plaintiff believed such representations to be true, and in reliance thereon, and at the instance of said agent, made a written application to defendant for a policy; that the agent prepared such application and read it to plaintiff and assured him that it was properly drawn and “all right”; that plaintiff, induced by said statements and conduct of said agent, signed such application without reading it; that the agent then knew his said representations to be false and fraudulent; that plaintiff paid the first annual premium, and in due time…

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