Griffin

Plaintiff-appellant, a resident of the State of California, is the beneficiary under three insurance policies issued by the defendant-appellee [a Connecticut corporation] on the life of Roscoe W. Griffin, now deceased. The insurance company had declared the policies lapsed prior to the death of the insured, and defends the action to recover on the policies on that ground.

The policies with which we are here concerned are: No. 961783, in the amount of $25,000; No, 1659085, in the amount of $5,000; and No. 1659057, in the amount of $5,000. For convenience herein we shall refer to the policies as “first”, “second” and “third” policy respectively.

The status of the three policies on January 1, 1939, was as follows:

The first policy was in its eleventh insurance year, said eleventh year having started on November 15, 1938. The premiums on the policy were payable monthly >on the 15th day of each month in the sum of $51.50, and were fully paid to date. No loans were outstanding.

The second and third policies were in their seventh insurance years, said seventh year having started on January 19, 1938. These policies called for quarterly payments of premiums of $32.70 each on the 19th…