Jury 1 B – E (first letter of last name) DUE at 11pm 99 unread replies.99 replie

Jury 1 B – E (first letter of last name) DUE at 11pm
99 unread replies.99 replies.
The Case of the Customer Who Died to Soon

Facts:
On October 26, a Ruby Country Life Insurance agent went to the house of Penny and Chip Singh. He persuaded the Singhs to buy a life insurance policy and accepted a check for $1,600. On his way out the door, he gave the Singhs a “conditional receipt for medical policy,” dated that day. The form stated that the Singhs would have a valid life insurance policy with Ruby Country Life, effective October 26, but only when all conditions were met. The most important of these conditions was that the Ruby Country Life home office accept the Singhs as medical risks after the company scheduled a medical examination. The Singhs were pleased with the new policy and glad that it was effective that same day.
Chip died in a car accident three weeks later. Ruby Country Life declined the Singhs as medical risks and refused to issue a policy. Penny Singh sued. Ruby Country Life pointed out that medical approval was a condition to being covered. In other words, the company argued that the policy would be effective as of October 26, but only if it later decided to make the policy effective. It had not made that decision as of the date of Chip’s death.
At Trial
Plaintiff argued that the policy was a scam. The so called “conditional receipt for medical policy” is designed to trick customers and then steal their money. The company leads people to believe they are covered as of the day they write the check. But they aren’t covered until much later, when the insurer gets around to deciding the applicant’s medical status.
The company gets the customer’s money right away and gives nothing in exchange. If the company, after taking its time, decides the applicant is not medically fit, it returns the money, having used it for weeks or even months to earn interest. If, on the other hand, the insurance company decides the applicant is a good bet, it then issues the policy effective for weeks or months in the past, when coverage is of no use. No one can die retroactively. The company is being paid for a period during which it had no risk.
Defendant, Ruby Country Life, argued that it would be impracticable for Ruby Country Life to issue life insurance policies without doing a medical check. That is the road to bankruptcy and would mean that no one could obtain this valuable coverage. They further argued that they do a medical inquiry as quickly as possible as it is in their interest to get the policy decided one way or the other.
The policy clearly stated that coverage was effective only when approved by the home office, after all inquiries were made. The Singhs knew that as well as the agent. If they were covered immediately, why would the company do a medical check?
Questions:
Does the clause making the policy effective only after a medical examination violate public policy? Explain
What other basis for a lawsuit might Penny have against the insurance company? Explain
Based on your answers to Nos. 1 and 2 who will win this case and why?

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