Leavy v. Metropolitan Life Insurance

581 P.2d 167, 20 Wash. App. 503, 1978 Wash. App. LEXIS 2846
CourtCourt of Appeals of Washington
DecidedJune 20, 1978
Docket2312-3
StatusPublished
Cited by18 cases

This text of 581 P.2d 167 (Leavy v. Metropolitan Life Insurance) is published on Counsel Stack Legal Research, covering Court of Appeals of Washington primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Leavy v. Metropolitan Life Insurance, 581 P.2d 167, 20 Wash. App. 503, 1978 Wash. App. LEXIS 2846 (Wash. Ct. App. 1978).

Opinion

Roe, J.

John Crudup was married twice. His first wife was Arletha, who divorced him; his second was Zadie, who killed him. At his death he had a policy with Metropolitan Life Insurance Company naming Zadie as beneficiary. His first wife, and his second wife's assignee, as well as his children, seek the proceeds thereof.

The divorce decree from Arletha ordered John to pay all community indebtedness, excluding only the mortgage on the house awarded to Arletha. John was further required to maintain in force all life insurance policies, assuring the payment of unpaid mortgages on his death. The house awarded to Arletha was subject to both a purchase money mortgage and a mortgage for a Small Business Administration loan made to John.

Arletha claims under the decree and desires that the purchase money mortgage on the house be paid out of the policy proceeds. She does not claim, nor could she, that John was required to pay that mortgage during his lifetime, since the decree actually provided the opposite. That was the one community debt he did not have to pay.

The crucial question is to determine what the court intended when it ordered the defendant to maintain mortgage insurance policies "assuring the payment of unpaid mortgages upon his death." Interpretation of the divorce court's judgment is not a question of fact, but is a question of law for this court. In Callan v. Callan, 2 Wn. App. 446, 448-49, 468 P.2d 456 (1970), the court stated:

The interpretation or construction of findings, conclusions and judgments presents a question of law for the court. ... If the judgment is unambiguous, there is no *505 room for construction. ... If, however, the judgment is ambiguous, then the court seeks to ascertain the intention of the court entering the judgment or decree. The general rules of construction applicable to statutes, contracts and other writings are used with respect to findings, conclusions and judgment. . . . These rules include the rule that the intention of the court is to be determined from all parts of the instrument, and that the judgment must be read in its entirety and must be construed as a whole so as to give effect to every word and part, if possible. . . . The authorities . . . refer to two canons of construction, here particularly pertinent
(1) that the court is not confined to ascertaining the meaning of a single word or phrase without regard to the entire judgment, and, if necessary, the judgment roll, and
(2) that provisions in a judgment that are seemingly inconsistent will be harmonized if possible. It is not to be assumed that a court intended to enter a judgment with contradictory provisions and thus impair the legal operation and effect of so formal a document.

(Citations omitted.) Considering the decree in its entirety, it is clear that Arletha was awarded the house subject to the mortgage, which she was to pay. It is also clear that, despite any divorce decree, the house was still subject to the mortgage securing the SBA loan. The plain interpretation is that the provision for the insurance policy was to assure that the house would never be subjected to foreclosure by the SBA in the event John should default on that obligation.

Arletha argues that the decree provision concerning the insurance policy was a property division giving her the right to have her mortgage paid off in the event of John's death. We do not believe that the court would distribute such a right to Arletha, and yet not require John to pay the mortgage himself. When the court stated that its purpose was to assure payment of unpaid mortgages upon his death, that must have been in reference to mortgages which he himself was obligated to pay. Arletha cites no authority which would explain why the divorce decree would mean anything else.

*506 The only reason for requiring John Crudup to maintain mortgage insurance on his life would be to assure Arletha that his death would not leave her exposed to claims of any mortgage he might have left unpaid. If he had outlived his and Arletha's mortgage payments, she would have received nothing more than she received under the decree. She should not get a windfall by his death. No language in the decree ordered payment of the balance due on her mortgage in the event he died. In fact, the decree specifically relieved him of any duty to pay her mortgage. The trial court's judgment denying her claim is correct.

A more difficult question is presented in interpreting the effect of RCW 11.84., the slayer's act.

No slayer shall acquire any property or benefit as a result of the death of the decedent. RCW 11.84.020. A slayer is one who participates in the "wilful and unlawful killing" of another person. (Italics ours.) RCW 11.84.010(1). Clearly Zadie Crudup participated in an unlawful killing. She was charged with second-degree murder but was found guilty of the lesser-included offense of manslaughter, which was affirmed on appeal, State v. Crudup, 11 Wn. App. 583, 524 P.2d 479, review denied, 84 Wn.2d 1012 (1974). But did she "wilfully" kill her husband? The word "intent" is not used in the slayer's act.

The trial court found a willful killing; thus, plaintiffs to whom Zadie had assigned the proceeds were foreclosed from recovery, and John's children received the proceeds through his estate.

The record of. defendant's criminal trial and conviction for the killing of the decedent is admissible in evidence against a claimant of property in any civil action arising under the slayer's act. RCW 11.84.130. While the result in the prior criminal case is relevant, it is not conclusive. The lower court by stipulation read the verbatim report of the proceedings in the criminal trial and concluded that her act had been willful.

The only reported Washington case decided under this statute is New York Life Ins. Co. v. Jones, 86 Wn.2d 44, *507 541 P.2d 989 (1975), wherein a wife who had killed her husband pleaded guilty to second-degree felony murder arising out of second-degree assault. Since second-degree felony murder does not require proof of intent to kill, then the wife's guilty plea was held not to have been an admission that she did willfully kill her husband.

This is a civil case and proof need only be by the preponderance of the evidence.

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Cite This Page — Counsel Stack

Bluebook (online)
581 P.2d 167, 20 Wash. App. 503, 1978 Wash. App. LEXIS 2846, Counsel Stack Legal Research, https://law.counselstack.com/opinion/leavy-v-metropolitan-life-insurance-washctapp-1978.