New York Court of Appeals

Myra A. Wheeler, Appellant v. the Connecticut Mutual Life Insurance Company, Respondent

November 16, 188082 N.Y. 543

Summary

The Court held that the insured's insanity does not excuse non‑payment of the premium and forfeiture under the policy's condition subsequent, but affirmed that the plaintiff had a valid cause of action for the paid‑up policy because the contractual conditions were satisfied and the insurer's refusal created liability.