Cosmopolitan Life Insurance v. Woodward

7 Tenn. App. 394, 1928 Tenn. App. LEXIS 59, 1928 WL 2030
CourtCourt of Appeals of Tennessee
DecidedJanuary 28, 1928
StatusPublished
Cited by33 cases

This text of 7 Tenn. App. 394 (Cosmopolitan Life Insurance v. Woodward) is published on Counsel Stack Legal Research, covering Court of Appeals of Tennessee primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Cosmopolitan Life Insurance v. Woodward, 7 Tenn. App. 394, 1928 Tenn. App. LEXIS 59, 1928 WL 2030 (Tenn. Ct. App. 1928).

Opinions

Will Woodward died at the General Hospital in the City of Nashville on April 20, 1926, and this suit was instituted before a Justice of the Peace of Davidson county on May 19, 1926, by his widow, Nannie Woodward, against the Cosmopolitan Life Insurance Company to recover the sum of $320 alleged to be due the plaintiff under an insurance policy issued February 22, 1926, by the defendant on the life of plaintiff's deceased husband, and in which policy plaintiff was named as the beneficiary.

The defendant appealed from an adverse judgment of the Justice of the Peace to the circuit court of Davidson county, and the case was thereafter tried to a jury in the Third Circuit Court, with the Honorable W.C. Cherry, Special Judge, presiding. *Page 397

The jury found the matters in controversy in favor of the plaintiff, and found that the defendant was indebted to the plaintiff in the sum of $320, for which sum judgment of the court against defendant and the surety on its appeal bond was accordingly rendered. After its motion for a new trial had been overruled, the defendant prayed an appeal in the nature of a writ of error to this court, which was granted by the trial court and perfected by the defendant.

For convenience, the parties will be designated herein as plaintiff and defendant, respectively, as they appeared on the record in the circuit court.

In this court, twelve assignments of error have been presented by counsel on behalf of defendant; but, on the record before us, defendant is not in a position to rely upon any of its assignments of error for the reason that the written instruments and documents upon which its defenses were based in the trial court have not been made a part of the record on appeal, and the further reason that the charge of the court to the jury (to which four of the assignments of error are directed) was not preserved as a part of the record. In this respect, the record is in a condition quite similar to that of the record in the case of Southern Insurance Company v. Anderson, 130 Tenn. 482, 172 S.W. 318.

The defendant's first assignment, in the instant case, is that the trial court erred in refusing to sustain the motion of the defendant to direct a verdict in favor of the defendant, made at the conclusion of all the plaintiff's proof and renewed at the conclusion of all of the proof; and defendant's second assignment is that there is no evidence to sustain the verdict of the jury.

In support of its first and second assignments, supra, the defendant advances two, and only two, propositions, and these two propositions were specified in the motion for a peremptory instruction below. The first of these propositions is that under the proof the insured was not in "sound health" at the time the policy was issued, and that the policy, by its own terms, did not become operative unless the insured was in sound health at that time. It is apparent that if this contention is to be maintained, it must find support in the terms and provisions of the policy which, although put in evidence on the trial below, is not a part of the record in this court. The manner in which the policy was introduced at the trial before the jury will appear from an excerpt from the testimony of the plaintiff, as follows:

"DIRECT EXAMINATION."
By Mr. Lawrence:

"Q. Is this Nannie Woodward? A. Yes, sir.

"Q. How old are you? Thirty-six. *Page 398

"Q. Was Will Woodward your husband? A. Yes, sir.

"Q. Is he now dead, deceased? A. Yes, sir.

"Q. What was the date of his death? A. The 20th of April.

"Q. The 20th of April, 1926? A. Yes, sir.

"Q. When were you married to Will Woodward? A. July 8, 1925.

"Q. You were married to him July 8, 1925? A. Yes, sir.

"Q. Where was he living when you were married to him? A. No. 1629 State Street.

"Q. Who was he living with? A. James Brown.

"Q. How long had you known him before you were married? A. Six months.

"Q. What was your husband's business when you married him? A. Hauling coal and ice.

"Q. What was his business when he died, April 20, 1926? A. Hauling coal and ice.

"Q. So you had been married to him from July until the next April? A. Yes, sir.

"Q. Did he have a policy in the Cosmopolitan Life Insurance Co. when he died? A. Yes, sir.

"Q. Is this the policy? A. Yes, sir.

"Q. I want to make that Exhibit A to the testimony? A. Yes, sir.

"The Court: Is there any dispute that the policy was issued, delivered and premiums paid, or is the only dispute as to whether the deceased was in such health that the policy was not in force?

"Mr. Briley: There is no dispute as to whether the policy was issued and the premiums paid.

"The Court: It is stipulated that the paper exhibited was in force on the life of the insured at the time of his death, and the premiums were paid up and the policy was in force if the representations in the policy as to the health of the assured, within the law, are correct and true.

"Now, the policy may be considered as filed and considered as read and that any part of it be read to the jury whenever that becomes material, but as far as the plaintiff is concerned, that is the prima facie case."

The policy which the plaintiff thus put in evidence as Exhibit A to her testimony is not copied into the bill of exceptions or elsewhere in the transcript. It is stated in the bill of exceptions (on the last page) that "All the Exhibits are to be sent up in their original form." A detached envelope accompanies the transcript, in which envelope we find a number of documents, and among them one purporting to be an insurance policy issued by defendant Cosmopolitan Life Insurance Company on the life of Will Woodward for $320, and in which the name of Nannie B. Woodward appears as the beneficiary. This policy bears an indorsement, without date, *Page 399 in these words: "Identified, W.C. Cherry, judge;" but it bears no indorsement, or mark of any kind, indicating that it is Exhibit A to the testimony of Nannie Woodward, or that it is a part of the record in this case in the circuit court, or that it was ever filed in that court.

The second of the two propositions on which defendant relies in support of its first and second assignments of error is that "the proof shows that this policy had been assigned to an undertaker, and therefore the plaintiff has no legal interest in this suit." With reference to defendant's claim that the policy "had been assigned to an undertaker" by the plaintiff, we quote from the cross-examination of plaintiff as follows:

"Q. You made an assignment of this policy to Thomas-Jones-Baker Co., funeral directors, 319 Second avenue, South, have you not? A. Yes, sir.

"Mr. Lawrence: I don't think the company could take advantage of that.

"The Court: I will let you re-examine on that. I understand their point is the legal title was in these funeral undertakers. I will allow an amendment if necessary. I know what this is, it is in the nature of a mortgage, while a sale on its face and I would allow an amendment for her own benefit and for the use and benefit of these people if it subsequently develops they had any real interest. Let the amendment be made at the proper time, but you will have to wait until she is re-examined and prove the circumstances and then I will act on it."

And on re-examination, plaintiff testified further as follows:

"Q. The assignments you made to undertakers, what is that paper for $114. What was that for? A. To bury him.

"Q. Did you bury him? A. No, sir, I didn't pay it.

"Q. Who did pay for that? A. It has not been paid.

"Q.

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Bluebook (online)
7 Tenn. App. 394, 1928 Tenn. App. LEXIS 59, 1928 WL 2030, Counsel Stack Legal Research, https://law.counselstack.com/opinion/cosmopolitan-life-insurance-v-woodward-tennctapp-1928.