Opinion of the Court by
Turner, Commissioner
Affirming.
In' October, 19201, appellant insured the life of O. W. •Bailey, and issued to him two combined life and accident policies aggregating $10,000.00 on the ordinary life plan, with the additional agreement that in case of his death caused solely by accident it would be double that amount, or $20,000.00. Bailey’s wife, the appellee, was named beneficiary in these policies.
On the 30th of December, 1920, O. W. Bailey destroyed his life by taking carbolic acid, and shortly there
after the beneficiary instituted action on the two policies and sought a judgment against the appellant for $20,00.00, embracing not only the $10,000.00 ordinary life insurance but the double liability provided for. On the trial she recovered a judgment for the full amount of $20,000.00, and appellant appealed from the same, which was reversed. Equitable Life Assurance Society- v. Bailey, 203 Ky 339. In that opinion the reversal was upon the grounds (1) that the evidence of the widow and beneficiary as to the condition of the decedent’s mind just before taking the carbolic acid was incompetent, and (2) that there .could be no recovery under the double liability clause in the policies because of the provision therein that the agreement to pay the same in the event of death from bodily injury did not cover self-destruction, sane or insane, “or death resulting, directly or indirectly, from bodily or mental infirmity.” The court in addition expressly left open in the opinion the question whether the court had erred in refusing to give a peremptory instruction for defendant.
The petition of the plaintiff declares upon the ordinary life provisions of the two policies aggregating $10,000.00, and in addition sets up the provisions therein wherein the double liability is imposed in the event of the insured’s death solely through external, violent and accidental means, and then alleges that Bailey lost his life on- account of bodily injuries sustained by him from such means, the same being caused by Bailey accidentally taking carbolic acid, and then alleges that he took the acid at a time when he was so insane and his mind so unbalanced and his reason so impaired that he was unconscious that he was taking his own life or attempting to do so, and did not at the time understand the nature or the character of the act he was committing, or that the same would cause his death or injure him.
These things were put in issue by the defendant, and the first trial resulted as above stated.'
It is apparent, therefore, that the opinion on the first appeal, after having eliminated recovery on the double liability clause, and declined to pass upon appellant’s right to a directed verdict, left open for another trial only the question whether there could be a recovery by the plaintiff on the ordinary life provisions of the policies.
It stood admitted in the pleadings that Bailey had taken his own life, and there was a provision in the policy
that self-destruction, sane or insane, within one year from the date of the policy, was a risk not assumed by the insurer, and therefore under the state of the pleadings after the former .opinion there was no issue left except whether Bailey was at the time of self-destruction so insane that he did not understand the nature or the character of the act he was committing, or that it would cause his death or injure him.. Under a long line of decisions, which are not called in question upon this appeal, it.is held that in such circumstances there may be a recovery upon a life policy notwithstanding the provision in the contract attempting to protect the insurer from death by self-destruction.
Conforming, therefore, to the former opinion, the-trial court upon the second trial only submitted this issue, and there was upon that trial a verdict for the plaintiff for $10,000.00, and the defendant again appeals.
Before the last trial the defendant tendered an amended answer wherein it undertook to withdraw all the denials in its original answer raising the issue as to the decedent’s state of mind at the time of his self-destruction, and the court declined to permit this to be done. Clearly .the purpose of this was to permit the' defendant to assume the burden -on that issue, and thereby give it the right to the concluding argument before the jury, and the contention is earnestly made that in an action on a life policy where the only defense is suicide the burden is on the defendant, and that the court erred in not giving it the burden. The fundamental error in this contention-is that the only issue left after the former reversal was not the issue of suicide, for in fact there was no such issue. The pleading explicitly conceded that decedent had taken his own life, and expressly pleaded a state of case in avoidance of that fact. So that instead, of the single issue of self-destruction, the single issue was the existence of the facts relied upon in avoidance thereof.
Likewise counsel is plainly in error in the contention that the court erred in giving the plaintiff -the burden on that issue* It is true that the issue was raised by the plaintiff in her pleading in anticipation of such a defense, but if she had not and the pleadings had been prepared in the customary way the burden would still have been upon the plaintiff. If she had merely filed
her action and set up the policy and the fact that her husband was dead, she would have presented a
prima facie
case; then if defendant had relied upon that clause it would have presented an affirmative defense; then when the plaintiff in her reply had set up the facts alleged in the petition relative to his state of mind at the time of his suicide, she would have had the affirmative on that final issue, which was in fact the only issue, as is clearly indicated in the former opinion.
It is apparent, therefore, that there was no prejudicial error in the refusal either to permit the defendant to file its amendment, or in granting the burden of proof to the plaintiff.
The former opinion of this court left it wholly unnecessary for any election as to which cause of action set up in the plaintiff’s petition should be prosecuted; for of the two causes relied upon one of them was expressly eliminated by the opinion, and the other expressly left open.
This leaves for our consideration only the single question of whether under the evidence the court should have given a directed verdict for the defendant, there being no complaint of the instruction given.
There are four phases of the evidence bearing upon the state of mind of the decedent at the time of his self-destruction: (a) Ms heredity, (b) his conduct before his death, (c) an accidental injury received in a fall a short time before his death, and (d) the opinion of experts based upon hypothetical questions.
As to hereditary insanity the plaintiff’s evidence showed that decedent’s maternal grandmother was insane and died an inmate of the state institution at HopMnsville. It likewise showed that his mother suffered from maniac depressive insanity and died in the HopMnsville asylum.
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Opinion of the Court by
Turner, Commissioner
Affirming.
In' October, 19201, appellant insured the life of O. W. •Bailey, and issued to him two combined life and accident policies aggregating $10,000.00 on the ordinary life plan, with the additional agreement that in case of his death caused solely by accident it would be double that amount, or $20,000.00. Bailey’s wife, the appellee, was named beneficiary in these policies.
On the 30th of December, 1920, O. W. Bailey destroyed his life by taking carbolic acid, and shortly there
after the beneficiary instituted action on the two policies and sought a judgment against the appellant for $20,00.00, embracing not only the $10,000.00 ordinary life insurance but the double liability provided for. On the trial she recovered a judgment for the full amount of $20,000.00, and appellant appealed from the same, which was reversed. Equitable Life Assurance Society- v. Bailey, 203 Ky 339. In that opinion the reversal was upon the grounds (1) that the evidence of the widow and beneficiary as to the condition of the decedent’s mind just before taking the carbolic acid was incompetent, and (2) that there .could be no recovery under the double liability clause in the policies because of the provision therein that the agreement to pay the same in the event of death from bodily injury did not cover self-destruction, sane or insane, “or death resulting, directly or indirectly, from bodily or mental infirmity.” The court in addition expressly left open in the opinion the question whether the court had erred in refusing to give a peremptory instruction for defendant.
The petition of the plaintiff declares upon the ordinary life provisions of the two policies aggregating $10,000.00, and in addition sets up the provisions therein wherein the double liability is imposed in the event of the insured’s death solely through external, violent and accidental means, and then alleges that Bailey lost his life on- account of bodily injuries sustained by him from such means, the same being caused by Bailey accidentally taking carbolic acid, and then alleges that he took the acid at a time when he was so insane and his mind so unbalanced and his reason so impaired that he was unconscious that he was taking his own life or attempting to do so, and did not at the time understand the nature or the character of the act he was committing, or that the same would cause his death or injure him.
These things were put in issue by the defendant, and the first trial resulted as above stated.'
It is apparent, therefore, that the opinion on the first appeal, after having eliminated recovery on the double liability clause, and declined to pass upon appellant’s right to a directed verdict, left open for another trial only the question whether there could be a recovery by the plaintiff on the ordinary life provisions of the policies.
It stood admitted in the pleadings that Bailey had taken his own life, and there was a provision in the policy
that self-destruction, sane or insane, within one year from the date of the policy, was a risk not assumed by the insurer, and therefore under the state of the pleadings after the former .opinion there was no issue left except whether Bailey was at the time of self-destruction so insane that he did not understand the nature or the character of the act he was committing, or that it would cause his death or injure him.. Under a long line of decisions, which are not called in question upon this appeal, it.is held that in such circumstances there may be a recovery upon a life policy notwithstanding the provision in the contract attempting to protect the insurer from death by self-destruction.
Conforming, therefore, to the former opinion, the-trial court upon the second trial only submitted this issue, and there was upon that trial a verdict for the plaintiff for $10,000.00, and the defendant again appeals.
Before the last trial the defendant tendered an amended answer wherein it undertook to withdraw all the denials in its original answer raising the issue as to the decedent’s state of mind at the time of his self-destruction, and the court declined to permit this to be done. Clearly .the purpose of this was to permit the' defendant to assume the burden -on that issue, and thereby give it the right to the concluding argument before the jury, and the contention is earnestly made that in an action on a life policy where the only defense is suicide the burden is on the defendant, and that the court erred in not giving it the burden. The fundamental error in this contention-is that the only issue left after the former reversal was not the issue of suicide, for in fact there was no such issue. The pleading explicitly conceded that decedent had taken his own life, and expressly pleaded a state of case in avoidance of that fact. So that instead, of the single issue of self-destruction, the single issue was the existence of the facts relied upon in avoidance thereof.
Likewise counsel is plainly in error in the contention that the court erred in giving the plaintiff -the burden on that issue* It is true that the issue was raised by the plaintiff in her pleading in anticipation of such a defense, but if she had not and the pleadings had been prepared in the customary way the burden would still have been upon the plaintiff. If she had merely filed
her action and set up the policy and the fact that her husband was dead, she would have presented a
prima facie
case; then if defendant had relied upon that clause it would have presented an affirmative defense; then when the plaintiff in her reply had set up the facts alleged in the petition relative to his state of mind at the time of his suicide, she would have had the affirmative on that final issue, which was in fact the only issue, as is clearly indicated in the former opinion.
It is apparent, therefore, that there was no prejudicial error in the refusal either to permit the defendant to file its amendment, or in granting the burden of proof to the plaintiff.
The former opinion of this court left it wholly unnecessary for any election as to which cause of action set up in the plaintiff’s petition should be prosecuted; for of the two causes relied upon one of them was expressly eliminated by the opinion, and the other expressly left open.
This leaves for our consideration only the single question of whether under the evidence the court should have given a directed verdict for the defendant, there being no complaint of the instruction given.
There are four phases of the evidence bearing upon the state of mind of the decedent at the time of his self-destruction: (a) Ms heredity, (b) his conduct before his death, (c) an accidental injury received in a fall a short time before his death, and (d) the opinion of experts based upon hypothetical questions.
As to hereditary insanity the plaintiff’s evidence showed that decedent’s maternal grandmother was insane and died an inmate of the state institution at HopMnsville. It likewise showed that his mother suffered from maniac depressive insanity and died in the HopMnsville asylum. It likewise showed that Ms maternal uncle committed suicide by shooting Mmself, and that decedent likewise had a paternal uncle who was insane and committed suicide by drinking carbolic acid, and a cousin who had been confined in an insane asylum, and another cousin who was insane, and in addition a second cousin now confined in a Missouri asylum.
With this pathetic history we have in addition the fact that decedent himself was throughout his life a frail and exceedingly nervous man; that he was subject for
several years before Ms death to fits of deep depression, and at times had a wild and nnnatnral expression in Ms eyes, and that he was not regarded as a normal person; that at the times he had these spells of gloom and depression he appeared to be in a sort of stupor, and had an unnatural glassy look in Ms eyes; that when under the influence of these spells he would not appear to understand or know what he was doing, and that many of his neighbors and friends did not regard Mm as a normal man, even several years before he died. In addition to tMs the evidence shows that a short time before his death he fell off of Ms house on to some concrete work several feet below, and received severe bruises; and from that time on his mental condition appeared to be much worse, and to have rapidly deteriorated. And then we have the evidence of two well-known experts, each of whom had spent several years at the Hopkinsville asylum in the special study of mental diseases. One of them had known the decedent in his early life, and expressed the view that even some years before his death his mind was affected, and they each testified in response to a hypothetical question based upon the family history, the conduct and the life of the decedent, his action immediately before the suicide as detailed by the members of his family, and others, and the accident wMch he had received some ten days or two weeks before his death, and each expressed the view that based upon such facts the man was suffering from maniac depressive insanity, and in its acute stages ayouM not have knoAvn what he did or its effect.
Although the decedent left a note to his wife and family which would indicate that he did have mind enough to understand the nature of the act he was about to commit, yet in the light of this tragic family history, these spells of excessive depression, his strange conduct and looks at times, it cannot be said that there was not sufficient evidence to submit the issue and uphold the verdict.
There being no complaint of the form of the instruction, and the only issue having heretofore been outlined by this court, and the evidence seeming to justify the verdict, we are of opinion that the parties had a fair trial.
Judgment affirmed.