Pacific Mut. Life Ins. Co. v. Yeldell

62 So. 2d 805, 36 Ala. App. 652, 1953 Ala. App. LEXIS 307
CourtAlabama Court of Appeals
DecidedJanuary 13, 1953
Docket6 Div. 595
StatusPublished
Cited by5 cases

This text of 62 So. 2d 805 (Pacific Mut. Life Ins. Co. v. Yeldell) is published on Counsel Stack Legal Research, covering Alabama Court of Appeals primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Pacific Mut. Life Ins. Co. v. Yeldell, 62 So. 2d 805, 36 Ala. App. 652, 1953 Ala. App. LEXIS 307 (Ala. Ct. App. 1953).

Opinion

*655 CARR, Presiding Judge.

The appeal in this case arises out of a suit brought by Mrs. Floy Baucum Yeldell, beneficiary, against the Pacific Mutual Life Insurance Company, insurer, on a policy of life insurance.

The policy was issued on November 7th, 1950. The insured came to- his death on May 21st, 1951.

The defense in the case is suicidal death of the insured with no liability by virtue of the following clause contained in the policy:

“The suicide of the Insured, sane or insane within two years of the date of the issue of this policy is a risk not assumed under this Policy. In such event, however, the Company will pay to the beneficiary in one sum an amount equal to the premiums received hereon, without interest, and this policy shall thereupon be terminated.”

The trial of the cause resulted in a verdict and judgment in favor of the beneficiary.

The death of the insured was caused by a fall from a window in a rest room on the twelfth floor of the Watts Building in the city of Birmingham, Alabama. The dead body was discovered hanging on the parapet wall of a three-story building north of the Watts Building and about six feet from the Watts Building.

The question of prime factual concern is whether the fall was the result of an intentional, suicidal act or accidental.

*656 Mr. Yeldellj the deceased, was first employed by the Southern Natural Gas Company in 1930 as a chart changer. He was generally liked by all of the employees of the company.- Because of his excellent ability and efficient service he received a number of promotions which were reflected in position rating and salary increases. At the time of his death his annual salary was $18,500. His duties did 'not require that he handle any of the funds of the company. When he died he was 45 years of age and in good standing in every respect with his employer.

He did not gamble, run around with women, or drink intoxicating liquor to excess.

His family consisted of his wife and three children. His oldest child is a girl. At the tithe of her father’s death she was 18 years of age and a student at Hunting-don College in Montgomery, Alabama. .'His other two children are boys, ages 14 and 9.

The evidence makes it certain that Mr. Yeldell erijó'yed a' happy, congenial, and contented family life.

In 1944 or 1945 he was stricken with a malady which caused considerable pain and discomfort in his back. The trouble continued until a ruptured disc in the fourth .lumbar segment was removed by surgical operation on November 4th, 1949. Apparently after the effects of the operation were over he was relieved of the pain, but there remained a slight stiffness in his back. This was not very noticeable, but it did interfere to some extent with his normal physical movements..

In July 1950 the insured was in an automobile accident in which he sustained serious and painful -injuries, but none of these was permanently disabling in effect. While he was being treated for these injuries he developed traumatic pneumonia.

According to the testimony of the attending physicians, he enjoyed a satisfactory recovery with an exception which is described by Dr. Givhan. This is fairly and accurately set out in brief of appellant’s counsel. We copy:

“When he came back on March 31, 1951, he had a swelling of the right ankle and a discoloration of the right side of his abdomen; that on a previous visit to him in November he had a heart reading of 90 and blood pressure of 130 over 85 and an area of discoloration in the right flank. When he saw him on the 31st of March he had the swelling of the ankle and the discoloration of the right flank; that 72 was the normal pulse rate; that as to whether or not he was worried about his condition on March 31st, he got the impression he was worried somewhat and that there were two or three things that went, into his mind. One of them was whether he should make settlement on his insurance claims; that he wanted to be sure there-would be no return of the fluid and he was upset about the lump in his side— whether there was any permanent damage there; that he, the witness, did' not think that there was; that he made a finding on March 31st that he was suffering from general malaise, fatigue and a rapid pulse and also thought that he had suffered a post traumatic neurosis; that he had the impression Mr. Yeldell was afraid he had received some permanent damage to his kidney or something; that neurosis was a condition of the nerves; - that he thought Yeldell’s rapid pulse rate was contributed to -by the neurosis * *

It should be noted that in the automobile wreck Mr. Yeldell’s immediate superior in line of employment was killed, and that the car at the time, was being driven by a company chauffeur.

Mr. Yeldell carried a rather large life and life and accident insurance coverage. By the terms of some of these policies accidental and not suicidal death increased the benefits.

We have given very careful study to the facts and circumstances relating to the issuance and carriage of these contracts. It appears that some of them had been in existence for a number of years. Some were group policies which were carried in *657 substantial part by the Southern Natural Gas Company.

The policy which forms the basis of this suit was issued about six months prior to the death of the insured, but it was taken out after considerable solicitation by the agent who was a personal friend of Mr. Yeldell.

The evidence we have herein above delineated may be appropriately characterized as tending to establish motive and absence of motive for suicide.

The authorities are committed to the doctrine that it is not necessary to prove motive to establish suicidal death in defense of pertinent provisions in insurance contracts.

46 C.J.S., Insurance, § 1358, page 559, states the following rule:

“Proof of motive is not required in establishing suicide. Although a motive or its absence is not conclusive, it is a circumstance of major importance to be considered in determining whether or not death was the result of suicide, and, where the evidence between accident and suicide is evenly balanced, motive or lack of motive is decisive. In the absence of direct evidence of eyewitnesses, suicide notes, or previous declarations, the physical surroundings must be subordinated to evidence as to motive. Motive may be established by circumstantial evidence, and, where proof of motive is essential to overcome the legal presumption against suicide, the pleader must establish motive by a clear preponderance of the evidence.”

In the case of International Life Insurance Company v. Carroll, 17 F.2d 42, 50 A.L.R. 362, the U. S.

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Bluebook (online)
62 So. 2d 805, 36 Ala. App. 652, 1953 Ala. App. LEXIS 307, Counsel Stack Legal Research, https://law.counselstack.com/opinion/pacific-mut-life-ins-co-v-yeldell-alactapp-1953.