Summers v. Metropolitan Life Ins.

BARCLAY, J. This action is upon an insurance policy for three thousand dollars, issued by defendant on the life of Dr. Summers, plaintiffs husband, in November, 1898. He died by his own hand, in June, 1899. Plaintiff brought suit in the ordinary form for the amount of the policy, shortly afterwards. The defenses put in by the answer were: Eirst. That the policy was issued upon conditions and warranties which deceased did not fulfill or keep. Second. That Dr. Summers committed suicide within two years from the issuance of the policy. The terms of the policy excluded suicide within that period from the risks insured against. Third. That certain misrepresentations had been made by Dr. Summers in his application for insurance, and that his death was directly attributable to the facts forming the subject-matter of the misrepresentations. The statements designated as misrepresentations were replies of Dr. Summers contained in the application-for insurance as follows: “Have you ever used alcoholic stimulants, opium or — 695 — narcotic; wine or malt liquors, op tobacco to any excess. If so, when and for how long? Give particulars. A. No. “Give full particulars of any illness you may have had since childhood and name of medical attendant or attendants ? A. No illness. “Name and residence of your usual medical attendant. A. Dr. Briggs. “When and for what have his services been required? A. Nol required.” Each of these answers of the insured the defendant alleges was not true. But there was no allegation concerning any of those answers charging that the insured knew the answer to be untrue, or that he had made such statement as an inducement to, or for the purpose of, obtaining the insurance in question. The only hint toward such a charge is found at the close of the answer in the following language: “Defendant states that the validity of said policy was dependent upon the truth of said answers, and they were untrue. That the insured was cast into despondency by the use of alcohol and narcotics and while so despondent, committed suicide, and his death was directly attributable to the facts above misrepresented. “And the defendant now here pays into court the sum of $93.87, the total premiums paid, for the benefit of plaintiff, and states that, said policy was obtained by fraud and misrepresentation, as above pleaded. “Wherefore defendant prays to be dismissed hereof with its costs.” Plaintiff’s reply contained a denial of the affirmative defenses, with a plea of estoppel, based on the relation between Dr. Summers and Dr. Briggs. The latter was medical examiner for the defendant when he attested the application in question as a witness. In view of the result reached — 696 — on this appeal it will not be necessary to give further particulars of the plea of estoppel, or to determine its sufficiency. The case was tried before Judge Zachritz and a jury. Verdict and judgment were given for plaintiff for the amount of the policy and interest ($3,065.58). Plaintiff’s testimony consisted of the policy, of proofs of death and of the payment of the premiums as required. The death of Dr. Summers was admitted by the answer, as were also the plaintiff’s relation to the deceased and the corporate character of defendant. The learned trial court struck out the defense based upon the suicide of Dr. Summers within two years from the date of the policy. No point is made in this court upon that issue. Defendant concedes that, under the statute law of this State (where it may be inferred the policy was delivered) suicide of the assured constitutes no defense to such an action without proof that the assured “contemplated suicide at the time he made his application for the policy,” despite any agreements in the policy on that subject (R. S. 1889, sec. 5855, which in this respect is the same as section 7896, R. S. 1899). No testimony was offered to bring this case within .the exceptional facts mentioned in that statute. The substance of the testimony for defendant on the issue of misrepresentation is that Dr. Briggs was called by the plaintiff, without the knowledge of her husband, to see the assured, Dr. Summers, in the spring of 1899. He found that Dr. Summers had no real illness.but was hypochondriacal. Dr. Briggs had heard a report that Dr. Summers used some form of stimulation; so he gave him anti-narcotine, without informing the patient of the nature of the treatment. Some rulings on particular parts of testimony will be noted later in conjunction with our comment thereon. The first instruction given for plaintiff authorized a verdict in her favor (after a finding of the preliminary facts of — 697 — issuance of the policy, relationship of plaintiff, payment of premiums and proof of death), unless the jury found from a preponderance of the evidence that the insured had misrepresented facts called for by the questions recited in the answer, and that said facts (or some of them) “actually contributed to the death of the insured.” It may be better to quote said instruction at large in order to fully impart its meaning: “If the jury believe from the evidence that the defendant issued to Thomas O. Summers its ordinary life policy of insurance, offered in evidence, and if the jury believe from the evidence that the plaintiff herein, Clara M. Summers, is the widow of said Thomas O. Summers and is the person named as beneficiary in said policy, and if they further believe from the evidence that the said Thomas O. Summers paid to the defendant all premiums due said defendant under said policy during his life, and that the proofs of the death of said Thomas O. Summers were made to the home office of defendant in the manner and to the extent required by blanks furnished by the defendant, then the court instructs the jury that they must find a verdict for the plaintiff unless the jury shall (in the manner explained in instruction 2) believe from a preponderance of the evidence that the insured had, prior to the issuance of said policy, used alcoholic stimulants, opium or other narcotics, to excess, and that an-excessive use of alcoholic stimulants, opium or other narcotics prior to the issuance of said policy (even if the jury find that it existed), actually contributed to the death of the insured, or unless the jury shall (in the manner explained in instruction 3) believe from a preponderance of the evidence that the insured had (prior to the issuance of said policy) a serious illness arising from the use of morphine and opium, and that such serious illness (if the jury shall believe from the evidence it actually occurred) had actually contributed to the death of the insured. Or unless the jury shall — 698 — (in the manner explained in instruction 4) believe from a preponderance of the evidence that the insured had, prior to the issuance of said policy, -been treated by his family physician for tire morphine or opium habit and alcoholism, and that said morphine or opium habit and alcoholism, prior to the issuance of said policy (if the jury find that it existed) had actually contributed to the death of the insured.” Other instructions were given for plaintiff. They need not be recited. The defendant’s instructions given by the court were as follows: “1. The court instructs the jury that if they believe and find from the evidence that, when the insured applied for the insurance, he falsely and fraudulently answered questions therein as to having used alcoholic stimulants, opium or other narcotics and said false answers were so made for the purpose of securing said insurance, then they will find for the defendant. “2. The jury are instructed that if they believe and find from the evidence that the insured, when he obtained said insurance, falsely and fraudulently answered questions therein asked him as to any illness he had ever had, and said false and fraudulent answers were made for the pürpose of obtaining said insurance, and the same would not have been issued if the insured had told the truth, they they will find for the defendant. “3. The jury are instructed that if they believe and find from the evidence that the examining physician of the company, and the insured, fraudulently connived together to procure said insurance, and the same was obtained by reason of their fraudulent acts, then they will find for the defendant.” After the verdict for plaintiff, defendant moved for a new trial on a number of grounds, some of which will be mentioned later in our discussion of the assignments of error. — 699 — I. The first claim of error is that the instructions are conflicting. The principal point of conflict assigned is that the first instruction given -for defendant can not be harmonized with the first instruction for the plaintiff. The defendant’s said instruction authorized the jury to find for defendant if they believed from the evidence that when the insured applied for insurance he falsely and fraudulently answered the questions touching his use of alcoholic stimulants, opium or other narcotics, and that said answers were falsely made for the purpose of procuring the insurance. Let us, for the moment, concede that this instruction is in conflict with the first instruction for the plaintiff, which required a finding that any fact misrepresented by the insured actually contributed to his death! The difficulty which defendant encounters on invoking the admitted general rule that conflicting instructions are erroneous lies in the qualification of that doctrine, equally well recognized, which declares such conflict to be harmless where it is erroneously favorable to the complaining party. Francis v. Railroad, 127 Mo. 658; Reardon v. Railroad, 114 Mo. 384. We are of the opinion that the court, in the present case,, should not have given the instruction for defendant above mentioned. The condition of the record precluded the submission of the issue that the insurance was procured by fraud. It is undoubted law that an insurance obtained by any fraud remediable under the principles of law or equity may be avoided on proper pleading and proof of the facts constituting the fraud. Ashford v. Ins. Co., 80 Mo. App. 638; White v. Ins. Co., 4 Dill. 177; Smith v. Society, 123 N. Y. 85. Our statutes touching misrepresentations (R. S. 1899, sec. 5849, and R. S. 1899, sec. 7890) do not abrogate that defense. The opinion of the second division of the Supreme Court in Christian v. Ins. Co., 143 Mo. 460, proceeds on the theory that such defense is tenable on a proper showing. But — 700 — it is perfectly clear in the case at bar that there was no sufficient allegation of any fraud on the part of the assured, under the decision last above cited. There is no allegation or charge that any of the answers of Dr. Summers was known to be false to the insured, or was not known to be true. The peculiar circumstances of the professional attendance of Dr. Briggs upon his friend and patient, the insured, in the summer of 1899, were explained by the former who testified as a witness for defendant. He said, in substance, that he called to see Dr. Summers at the instance of his wife, the plaintiff, and gave him some treatment on the theory that he was nervous from some sort of stimulation; but he did. not inform Dr. Summers of the nature of the treatment further than that it was intended to relieve the nervous condition. There was no testimony before the trial court tending to prove that any answer of the insured to the questions propounded was knowingly false; that any bad faith, actual or constructive, marked his conduct in obtaining the policy. Fraud on the part of the person obtaining the insurance would vitiate the policy without regard to any participation in tire fraud on the part of the beneficiary whose rights must depend on the integrity of the contract of insurance. Carpenter v. Am. Ins. Co., 1 Story 57; Burrus v. Life Ass’n, 96 Va. 543. But no such fraud was here alleged. The facts constituting any supposed fraud are not so stated as to constitute a defense under the ruling of the Supreme Court in Reed v. Bott, 100 Mo. 62, and the later ruling in Bank v. Rohrer, 138 Mo. 380. Intentional fraud is essential to an action or defense of deceit or misrepresentation. Kountze v. Kennedy, 147 N. Y. 124; Bank v. Beebe, 6 Ohio 497; Fidelity Ass’n v. Jeffords, 107 Fed. 402, 53 L. R. A. 193. The latest expression of the views of the Supreme Court on this point indicate that an answer which “contains no alie — 701 — gation that defendant would not have issued the policy had it known the real state of the facts respecting which the answers were made,” is not sufficient to raise an issue of fraud in obtaining the policy. Christian v. Ins. Co., 143 Mo. 464. The learned trial court should not have given the first and third instructions requested by defendant, founded on a supposed issue which was not in the case. The closing passage of the answer does, indeed, in a general way, charge “fraud and misrepresentation;” but it adds “as above pleaded,” the effect of which language is to limit the meaning of the general charge to the facts already recited. This is the general rule in Missouri when a pleading makes some broad allegation of fault or wrong, followed by specifications thereof. The Supreme Court, in such a case, limits the scope of the general charge to the terms of the specifications thereof. Waldheir v. Railroad, 71 Mo. 514; McCarty v. Hotel Co., 144 Mo. 64. So we must accordingly do in the present case. There was no sufficient allegation or proof of fraud in obtaining the insurance to warrant the instructions given for defendant on that subject. It is error to give an instruction calling for the finding of a fact which the testimony does not tend to prove. O’Fallon v. Boismenu, 3 Mo. 405; O’Brien v. Loomis, 43 Mo. App. 29. It is equally error to give an instruction having no foundation in the pleadings, where there has been no waiver of such omission. But a party can not complain of error which he has invited. Cravens v. Ins. Co., 143 Mo. 468; Young v. Hutchinson, 62 Mo. App. 512. Nor may an erroneous instruction, given at the instance of a losing party at the trial, be made the foundation for a claim of conflict with a correct instruction given for the prevailing suitor. Precedents already cited sustain and vindicate — 702 — that wholesome rule. We need not pause long to add reasons in its support. It is but a subordinate precept of the larger rule of modem practice which ordains that no judgment shall be reversed unless error was committed by the trial court “against the appellant or plaintiff in error and materially affecting the merits of the action” (R. S. 1889, sec. 2303; same as sec. 865, R. S. 1899). An error in instructing too favorably for the losing party in the trial court is not an error available to that party to secure- a reversal of a judgment which ensued despite the-error, because no harm was done thereby to the complaining party. II. The second instruction given for defendant was erroneous in so far as it attempted to submit the issue of fraud; and it was erroneous in so far as it was designed to frame an issue on the question of misrepresentation, because it omitted the important qualifications demanded by the Missouri statute on that subject (R. S. 1889, sec. 5819). Defendant appellant therefore had no standing to complain of any conflict between its second instruction and the first instruction for plaintiff, for the reasons stated in the preceding paragraph of this opinion. III. Some rulings on testimony have been assigned as errors: a. Defendant complains that the court sustained an objection to a question propounded to Dr. Briggs, viz.: “Now, was Dr. Summers a drinking man ?” The ruling turned out to be innocent, for the court immediately afterwards allowed the witness to give all he knew on that subject, as will be seen from the questions and answers which followed the ruling: “Q. Was he a man who drank alcoholic, malt or vinous liquors? A. Not of my own knowledge; there was no external evidence of it. “Q. What is it? A. Not of my own knowledge; there — 703 — was no evidence either in his mental capacity or otherwise that I ever saw. “Q. Did you ever see him take a drink ? A. No, sir.” The ruling was therefore without prejudice to defendant. We are neither at liberty nor disposed to reverse any judgment for error assigned which appears to have been harmless, as such an error has been held to be. State v. Sansome, 116 Mo. 1; Speer v. Burlingame, 61 Mo. App. 75; Wright v. Brown, 68 Mo. App. 577. b. Several other rulings, excluding answers to questions, are challenged by defendant’s assignments of error here. Where those rulings appear to relate to any substantial matter they all fall under the ban of the practice rule which requires a party in such a situation as defendant, to put into the record in somewise a satisfactory showing of the testimony which the excluded inquiry is expected to educe. In default of such a showing, the rule can not be made a ground for reversal. That rule has been so clearly declared by decisions in Missouri that further discussion of it is needless. State ex rel. v. Leland, 82 Mo. 260; Aull Bank v. Aull’s Admr., 80 Mo. 199; State v. Martin, 124 Mo. 514. IV. Defendant complains, furthermore, that the trial court did not grant a new trial on the ground of newly-discovered evidence. The evidence was communicated to counsel for defendant during the trial, after the testimony had been announced as closed. Defendant’s counsel had finished his argument, and the plaintiff’s counsel was delivering his final address to the jury. The testimony itself consisted of a sworn statement by Dr. Pfingsten that, prior to the date of this insurance, he was a student attending lectures on anatomy -by Dr. Summers, at the St. Louis College of Physicians and Surgeons, and heard Dr. Summers tell his class, after an absence of about a week, that he had been engaged meanwhile in an effort to break himself of — 704 — the.morphine habit, to which he stated he had been addicted; that he said he had taken the “sudden cure,” not the gradual one, and was completely cured; that it had been previously apparent to affiant that Dr. Summers was addicted to the use of some stimulant, either liquor or morphine. This testimony was not called to the attention of the court before the case was submitted to the jury. No request was made of the court to reopen the case or to permit the testimony in question to be heard, until after the verdict was rendered. Knowledge of the testimony reached defendant’s counsel, as above narrated, through defendant’s district superintendent who had been told those facts by Dr. Pfingsten, shortly after the death of Dr. Summers. Not knowing of the Summer’s insurance (which was not in said superintendent’s district) the superintendent had not immediately imparted the information to the attorney of the company. But when he saw in the daily, newspapers an account of the trial in progress in this case, he hastened to the courthouse and advised the company’s attorney of the testimony above outlined, as the case was about to close in the manner already indicated. We do not consider it necessary to decide whether the new testimony was competent, or whether the application to admit it came too late, in the circumstances described. It is settled law in this State that an appellate court will not reverse on the ground of newly-discovered testimony, unless the trial court has abused the discretion with which it is invested in dealing with that subject. Merchants, etc., Co. v. Curran, 45 Mo. 142; Cook v. Railroad, 56 Mo. 380; State v. Smith, 65 Mo. 313; Mayor v. Burns, 114 Mo. 426. Parties are required to use reasonable diligence to obtain testimony to support their contentions and to submit it to the triers of fact at the proper time. Folding Bed Co. v. Railroad, 148 Mo. 418; Stephens v. Gallagher, 42 Mo. App. 245. The facts disclosed in this case do not convince us that the — 705 — learned trial court was guilty of any abuse of discretion in the ruling mentioned. That court might fairly have concluded that reasonable diligence was not used in investigating and bringing forward the facts now claimed to be material. Whatever might be our independent judgment on that point, we are satisfied that the conclusion of the learned circuit judge involved no abuse of discretion, and, therefore, furnishes no ground for a reversal of the judgment. V. No other points of error assigned appear to require remark. The judgment is affirmed. Bland, P. J., and Goode, J., concur.