{ "id": 8625438, "name": "MALITTA WEST v. THE PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY", "name_abbreviation": "West v. Provident Life & Accident Insurance", "decision_date": "1936-06-15", "docket_number": "", "first_page": "234", "last_page": "237", "citations": [ { "type": "official", "cite": "210 N.C. 234" } ], "court": { "name_abbreviation": "N.C.", "id": 9292, "name": "Supreme Court of North Carolina" }, "jurisdiction": { "id": 5, "name_long": "North Carolina", "name": "N.C." }, "cites_to": [ { "cite": "205 N. C., 101", "category": "reporters:state", "reporter": "N.C.", "case_ids": [ 8626926 ], "opinion_index": 0, "case_paths": [ "/nc/205/0101-01" ] }, { "cite": "92 N. C., 597", "category": "reporters:state", "reporter": "N.C.", "case_ids": [ 11274705 ], "opinion_index": 0, "case_paths": [ "/nc/92/0597-01" ] }, { "cite": "160 N. C., 443", "category": "reporters:state", "reporter": "N.C.", "case_ids": [ 11271979 ], "opinion_index": 0, "case_paths": [ "/nc/160/0443-01" ] }, { "cite": "184 N. C., 571", "category": "reporters:state", "reporter": "N.C.", "case_ids": [ 11271429 ], "opinion_index": 0, "case_paths": [ "/nc/184/0571-01" ] }, { "cite": "196 N. C., 116", "category": "reporters:state", "reporter": "N.C.", "case_ids": [ 8624712 ], "opinion_index": 0, "case_paths": [ "/nc/196/0116-01" ] }, { "cite": "173 N. C., 558", "category": "reporters:state", "reporter": "N.C.", "case_ids": [ 11271052 ], "opinion_index": 0, "case_paths": [ "/nc/173/0558-01" ] } ], "analysis": { "cardinality": 412, "char_count": 8167, "ocr_confidence": 0.469, "pagerank": { "raw": 5.430140758742274e-08, "percentile": 0.3420187817899808 }, "sha256": "0b335db819bb95eb9780064fa96a735c8233dc6cf321f6164cb88acf2f14eb2d", "simhash": "1:7171e2f2c2a23d89", "word_count": 1383 }, "last_updated": "2023-07-14T17:57:05.250790+00:00", "provenance": { "date_added": "2019-08-29", "source": "Harvard", "batch": "2018" }, "casebody": { "judges": [], "parties": [ "MALITTA WEST v. THE PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY." ], "opinions": [ { "text": "Devin, J.\nThe plaintiff challenges the correctness of the judgment on the ground that the Life Certificate issued by defendant on the life of W. A. West and attached to the accident and health insurance policy was a separate contract of insurance on the life of the insured, and that in the certificate, as distinguished from the policy, there is no right to cancel reserved by the defendant; that, at most, an option is therein extended to the insured to have a policy of ordinary life \u2019insurance issued him by the company.\nBut, without deciding whether the contract of insurance issued in this case by the defendant was indivisible or consisted of two separable contracts, the nonsuit must be sustained upon another ground.\nThe Life Certificate, under which plaintiff claims, obligated the insured to pay on the first day of each month a monthly premium of sixty cents. It is admitted that nine consecutive monthly premiums were unpaid at the time of the death of the insured, and that after due notice from the defendant of the termination of the accident and health policy, including the Life Certificate, and cessation of pay roll deductions for the payment of premiums, the insured raised no objection, offered no protest, made no payments, and neither tendered nor offered a single monthly premium during his life, but, on the contrary, received his wages undiminished by any deductions.\nEven if the defendant wrongfully terminated the insurance, that did not relieve the insured, if he desired to insist on its continuance, from his obligation to pay, or offer to pay, the premiums called for in his contract.\nIn Trust Co. v. Ins. Co., 173 N. C., 558, it was held that if the insurer refused to perform its part of the contract, and so notified the insured, three remedies were given the latter:\n\u201c(1) He may elect to consider the policy at an end and recover its value. (2) He may sue to have the policy declared in force. (3) He may tender the premiums and treat the policy as in force and recover the amount payable on it at maturity.\u201d\n\u201cA party to a contract cannot maintain an action for its breach without averring and proving performance of his own antecedent obligations or some legal excuse for nonperformance.\u201d Wade v. Lutterloh, 196 N. C., 116; Edgerton v. Taylor, 184 N. C., 571; Supply Co. v. Roofing Co., 160 N. C., 443; Ducker v. Cochrane, 92 N. C., 597.\nIn Whitmire v. Insurance Co., 205 N. C., 101, this Court had under consideration a policy of accident and health insurance issued by this same defendant. There the policy had been canceled in accordance with its terms. In the opinion of the Court, written by Stacy, C. J., we find these words: \u201cThe plaintiff (the insured) did not reply to this letter, but received, without protest, his October earnings without any premium deduction.\u201d\nJudgment affirmed.", "type": "majority", "author": "Devin, J." } ], "attorneys": [ "W. R. Dalton for plaintiff.", "Brown & Trotter for defendant." ], "corrections": "", "head_matter": "MALITTA WEST v. THE PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY.\n(Filed 15 June, 1936.)\nInsurance J lb \u2014 Wrongful termination of contract by insurer does not relieve insured from obligation to pay or tender payment of premiums.\nThe beneficiary of a life certificate under a group policy may not recover the amount thereof upon the death of the insured employee upon the contention that the termination of the insurance by the insurer prior to insured\u2019s death was wrongful, when it appears that insured, after notice of termination by insurer, accepted his wages without deduction for premiums for a period of nine consecutive months, and failed to make protest or tender the premiums, it being incumbent on insured, even if insurer\u2019s termination of the contract was wrongful, to keep the insurance in force by paying, or offering to pay, the premiums called for in his contract.\nAppeal by plaintiff from Clement, J., at March Term, 1936, of Rockingham.\nAffirmed.\nAction by plaintiff beneficiary upon an insurance certificate issued by defendant on the life of W. A. West, her husband, heard upon agreed statement of facts.\nIt was admitted that on 14 May, 1930, upon execution of application and \u201cpay roll deduction authorization\u201d by W. A. West, an employee of Southern Railway Company, the defendant issued its policy of accident and health insurance No. 1110601, and attached thereto Life Certificate No. N. D. 19861 on the life of said W. A. West. The Life Certificate, at the top, carried the words: \u201cIssued in connection with Accident and Health Policy No. 1110601.\u201d\nThe \u201cpay roll deduction authorization\u201d was in the following words:\n\u201cTo Treasurer, Southern Railway Company, and/or its affiliated companies:\n\u201cHaving made application for Accident and Health Insurance under the Southern Railway and/or its affiliated companies Employees Group Accident and Health Plan, I hereby authorize you to deduct from my wages which may be earned in the month of June, 1930, $3.35 (deduction covering one month\u2019s premium), and $3.35 per month each month thereafter during the life of such insurance, and to apply each deduction in payment of premiums for accident and health insurance issued to me by the Provident Life and Accident Insurance Company of Chattanooga, Tenn. (Signed) W. A. West.\u201d\nPursuant to said pay roll deduction authorization, the Southern Railway Company paid for W. A. West to the defendant all premiums necessary to keep said insurance in force to- June 1, 1934. No payments on premiums were made by insured except by means of said deduction authorization.\nOn 24 May, 1934, the defendant wrote the Southern Railway paymaster that the W. A. West Policy No-. 1110601 was \u201cto be terminated upon payment of May premium installment,\u201d and no further deductions on defendant\u2019s account were to be made. After 1 June, 1934, all wages which W. A. West earned, including all sums which had heretofore been deducted and remitted to defendant to cover premiums on said insurance, were paid to and received by W. A. West from the Southern Railway Company.\nOn 28 May defendant wrote the insured W. A. West as follows:\n\u201cMe. W. A. West,\n\u201cReidsville, N. 0.\n\u201cDeae Sib: \u2014 In connection with your recent claim, we find that you are now employed as section laborer, which is different to the work you were performing at the time you first secured your Provident policy. Therefore, in accordance with its conditions and provisions, this is notice that the same will not be renewed or continued in force after next anniversary date June 1st. However, we shall be glad to consider issuing you a new policy at that time for a principal sum of $500.00 and $20.00 monthly accident and health indemnity, together with a $500.00 Natural Death certificate.\n\u201cIf you have no disposition to make application for the new policy, but desire to convert your Natural Death Certificate No. 19861 to a policy of ordinary life insurance of a like amount, then we will be glad to consider doing so, if you will make application for' such conversion within 30 days from June 1st. The premium on the new policy will be higher than you are paying under the Certificate.\u201d\nTo the letter to him W. A. West wrote the defendant to its home office on 11 June, 1934, referring to policy No. 1110601, and denied there had been any change in the character of his work. W. A. West did not, subsequent to 1 June, 1934, make application to defendant for the conversion of Certificate 19861 into an ordinary life policy, as allowed under the Certificate.\nOn 21 February, 1935, the said W. A. West died. Payment of the insurance was refused on the ground that at the time of the death of W. A. West the insurance was not in force.\nThe Accident and Health Insurance Policy No. 1110601 contained the provision that \u201cthe company may cancel this policy at any time by written notice delivered to the insured, or mailed to his last address.\u201d And the Life Certificate attached to the said policy provided: \u201cIn the event of tbe cancellation of the Accident and Health Policy in connection with which this certificate is issued, the insured shall be entitled to have issued by the company, without medical examination, ... a policy of Ordinary Life Insurance in equal amount.\u201d\nProm judgment of nonsuit, the plaintiff appealed.\nW. R. Dalton for plaintiff.\nBrown & Trotter for defendant." }, "file_name": "0234-01", "first_page_order": 300, "last_page_order": 303 }