Did you know you can download our entire database for free?


Georgia Caselaw:
Greatest Hits

Georgia Code: Browse

(external) Findlaw Georgia Law Resources

This site exists because of donors like you.

Thanks! Georgia Caselaw
Action on insurance policy. Bibb State Court. Before Judge Phillips.
On motion for summary judgment in an action to recover under an alleged life insurance policy it was disclosed that a medical examination was a condition precedent to the approval of the policy. The uncontradicted facts were that the deceased had failed to have the necessary examination and the policy was not approved; hence, the trial judge correctly granted the motion in favor of the insurance company.
On the prior appearance of this case it was held that the petition set forth a claim because: (1) it was alleged that the appellee had approved the application for insurance; (2) there was no showing that the deceased had failed to leave a medical examination or that it was necessary for the deceased to have a medical examination prior to appellee's approval of the application.
On summary judgment the appellee produced evidence (1) that such medical examination was a condition precedent to the approval of the application for the policy; (2) that the deceased never had the necessary medical examination.
Everett W. Wilson, who was chief underwriter for the appellee at the time in question, stated in his affidavit that: he was in charge of approval or disapproval of all applications for insurance; the appellee required a physical exam and a report from a doctor on all policies of the amount for which the deceased had applied; no report of a medical examination was received by the appellee in connection with the application of the deceased, and the application was never approved.
C. E. Perry, Jr., the agent who took the application from the deceased, stated in his affidavit that a physical examination was required on the policy for which the deceased had applied; he made an appointment with the doctor for the deceased to obtain the examination; he took the necessary report forms to the doctor's office.
Dr. H. I. Connor's deposition said that: the deceased had an appointment with him for the physical examination but never came in; he never made any report in connection therewith.
Appellant contends that portions of the affidavits in support of the summary judgment should not have been admitted. Assuming but not deeding that this contention was correct, the evidence stated above was sufficient to prove the facts necessary to sustain the motion for summary judgment.
As was stated in the previous opinion in the case sub judice, that which was held in Woodmen of the World Life Ins. So- ciety v. Etheridge, 223 Ga. 231 (154 SE2d 369), is controlling as to the issue here involved. The evidence having disclosed that the medical examination was a condition precedent to the approval of the policy for life insurance and the deceased having failed to have the necessary physical, the granting of the summary judgment was proper.
Judgment affirmed. Felton, C. J., and Pannell, J., concur.
Martin, Snow, Grant & Napier, George C. Grant, for appellee.
Melton, McKenna & House, Andrew W. McKenna, Joseph H. Briley, for appellant.
Friday May 22 17:51 EDT

This site exists because of donors like you.


Valid HTML 4.0!

Valid CSS!

Home - Tour - Disclaimer - Privacy - Contact Us
Copyright © 2000,2002,2004