Republic National Life Insurance Co. v. Heyward

568 S.W.2d 879, 1978 Tex. App. LEXIS 3358
CourtCourt of Appeals of Texas
DecidedJune 1, 1978
Docket5103
StatusPublished
Cited by20 cases

This text of 568 S.W.2d 879 (Republic National Life Insurance Co. v. Heyward) is published on Counsel Stack Legal Research, covering Court of Appeals of Texas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Republic National Life Insurance Co. v. Heyward, 568 S.W.2d 879, 1978 Tex. App. LEXIS 3358 (Tex. Ct. App. 1978).

Opinion

McCLOUD, Chief Justice.

This is a suit for accidental death benefits. The insured was intentionally shot and killed.

Velma L. Heyward, the named beneficiary of a group life insurance policy insuring the life of her husband, Bennie Hey-ward, sued the insurer, Republic National Life Insurance Company, seeking recovery of benefits under an accidental death rider to the policy. The policy provided for life insurance based upon the annual salary of the insured and accidental death benefits of $12,000 under the accidental death rider. The insurer paid the basic $3,000 life insurance proceeds to plaintiff, but refused to pay the additional $12,000 under the accidental death rider. Following a jury trial, judgment was entered for plaintiff for $12,-000, the accidental death benefits, plus interest and penalty. Plaintiff was awarded attorney’s fees of $65,000, but the judgment provided that if defendant did not appeal the cause, the judgment should be credited with $15,000. The judgment further provided that if defendant should appeal to the Court of Civil Appeals, but the case not carried by writ of error to the Supreme Court of Texas, then the judgment should be credited with the sum of $7,500. Defendant, Republic National Life Insurance Company, has appealed.

The instant controversy has heretofore been before our Supreme Court. Heyward v. Republic National Life Insurance Company, 527 S.W.2d 807 (Tex.Civ.App.—San Antonio 1975), aff’d, 536 S.W.2d 549 (Tex.1976).

The controlling issues are whether the insured, Bennie Heyward, died solely and independently of all other causes from accidental means, and whether the insured was participating in or committing a felonious act at the time of his death.

The insured was intentionally shot and killed by Oscar Anderson. The insured and James Etta Anderson, mother of Oscar Anderson, were living together at the time of the killing. They had lived together for several years. During the same period of time, the insured also lived periodically with plaintiff. Both plaintiff and James Etta Anderson testified that they were each married by common law to the insured at the time of his death. Oscar Anderson lived with the insured and James Etta Anderson. On September 23, 1973, while the insured and Oscar Anderson were engaged in a fight at the home of the insured, Oscar Anderson obtained possession of insured’s 357 magnum revolver and shot the insured five times. After shooting insured, Anderson took a knife and administered numerous deep cuts on the insured’s body.

The accidental death rider in issue provides in part:

“If a person, while insured under this Section of the Group Policy, sustains an injury effected solely through external, violent and accidental means and as a result thereof, directly and independently of all other causes, suffers a loss specified below within ninety days following the date of such injury, the Company, subject to all provisions of the Group Policy, will pay
(a) the Principal Sum for loss of life;
Benefits shall not be payable for any loss to which a contributing cause is
(e) participation in or as the result of the commission of a felonious act.” Special Issues 1 and 2 were submitted and answered by the jury as follows:
*882 “SPECIAL ISSUE NO. 1
Do you find from a preponderance of the evidence that the death of Bennie Heyward on September 23, 1973 resulted from injuries through accidental means?
You are instructed that the test of whether injuries resulting in death is through ‘accidental means’ within the terms of an insurance policy is not to be determined from the viewpoint of the one who inflicts the injuries resulting in death, but rather from the viewpoint of the insured. If from his viewpoint his conduct was such that he should have anticipated that in all reasonable probability the other party would kill him, his death was not accidental; if from his viewpoint his conduct was not such as to cause him reasonably to believe that the other party would probably kill him, then his death was accidental.
Answer ‘We do’ or ‘We do not’.
We, the Jury, answer: We do.
SPECIAL ISSUE NO. 2
Do you find from a preponderance of the evidence that a contributing cause of the occurrence in question between Bennie Heyward and Oscar Anderson that resulted in the death of Bennie Heyward was not his participation in or result of his commission of a felonious act?
You are instructed that in this case a ‘felonious act’ means committing an offense of assault with intent to commit murder if such person, with the intent to commit murder, attempts the use of unlawful violence upon another person or uses any threatening gesture showing in itself or by words accompanying it, an immediate intention, coupled with an ability to commit murder. ‘Murder’ means the voluntary killing of a person with malice aforethought, which is a condition of the mind which shows a heart regardless of social duty and fatally bent on mischief.
Answer ‘It was’ or ‘It was not’.
We, the Jury, answer: It was not.”

First, we note that defendant’s first and second points of error, that the court erred in overruling its motions for “Instructed Verdict” and “Judgment N.O.V.”, fail to comply with the requirements of Rule 418, T.R.C.P., that points of error “direct the attention of the court to the error relied upon.” The points are too general. Tindall v. Tacconelly, 328 S.W.2d 909 (Tex. Civ.App.—San Antonio 1959, writ ref. n. r. e.). Furthermore, the grounds listed in defendant’s motion for instructed verdict were not carried forward as assignments of error in its amended motion for new trial. The assignment of error merely states that the court erred in overruling defendant’s motion for instructed verdict. Such inadequate assignment of error cannot form the basis for a proper point of error. Wagner v. Foster, 161 Tex. 333, 341 S.W.2d 887 (1960); Tennell v. Esteve Cotton Company, 546 S.W.2d 346 (Tex.Civ.App.—Amarillo 1976, writ ref. n. r. e.).

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Bluebook (online)
568 S.W.2d 879, 1978 Tex. App. LEXIS 3358, Counsel Stack Legal Research, https://law.counselstack.com/opinion/republic-national-life-insurance-co-v-heyward-texapp-1978.