Bradley

This appeal is from a judgment on a directed verdict for the appellee insurance company.

On June 1, 1938, appellee executed and delivered to Pullman, Inc., a policy of group insurance whereby appellee insured the lives of the employees of the Pullman Company who applied therefor for a period of one year on payment of a premium based upon the total number of employees insured thereunder and at a rate variable with the age of each of such employees respectively. This policy was renewed from year to year and was in full force, and effect on the 28 th day of May 1932. The “master policy” was issued to the Pullman Company as employer and certificates of insurance were issued to those employees desiring insurance under the policy. The premium for the policy was paid to the insurer by the employer which deducted from the pay of each insured employee a portion of the premium on the insurance for such employee.

On November 21, 1930, Ralph W. Bradley, then an employee of the Pullman Com *989 pany at Oakland, Cal., became insured under this policy and received two certificates of insurance in whieh his mother, appellant herein, was beneficiary. One of these certificates was for the sum of…