Ferrell v. . Insurance Co.

175 S.E. 692, 207 N.C. 51, 1934 N.C. LEXIS 380

Opinion

Civil action to recover on a $2,000 policy of life insurance.

Upon the hearing the issuance of the policy in suit upon the life of plaintiff's husband, she being named as beneficiary therein, the payment of the first semiannual premium on 26 April, 1932, and the death of the insured on 5 February, 1933, were all admitted. Thereupon, the plaintiff offered in evidence an official receipt for the semiannual premium due 26 October, 1932, found by her after her husband's death, and rested. The genuineness of the signature on this receipt was not questioned.

In answer, the defendant offered evidence tending to show that the semiannual receipt of 26 October, 1932, was issued upon tender of a check which proved to be worthless; that said check was returned to the assured 18 January, 1933, upon written acknowledgment by him that the official semiannual receipt of 26 October, 1932, had been lost.

In rebuttal, the plaintiff testified that the purported signature of her husband to said acknowledgment was not genuine.

The Court directed a verdict for the defendant, and from the judgment entered thereon the plaintiff appeals, assigning errors. The plaintiff made out a prima facie case. The defendant offered evidence tending to show that the policy in suit lapsed for nonpayment of semiannual premium due 26 October, 1932. The credibility of defendant's defense was challenged by plaintiff's denial of assured's signature to the written acknowledgment. This made it a case for the jury.

There was error in directing the verdict.

New trial.