Contents

Chapter Page 1 Historical and Introductory
1
Page
10
The Historical Origin of Insurance
11
The Development of Insurance in England
17
The Development of Insurance in the United States
22
Statutory Regulation of Insurance Business
36
238
47
22
48
The Good Health Clause
640
Policy Loans
644
The Life PoliciesThe Beneficiary
655
The Beneficiary of a Life Policy
656
Vested Rights of the Beneficiary
660
Origin of RuleImplied Declaration of Trust
667
Rights of Beneficiary Subject to Change
674
Change of BeneficiaryMode Required
683

The Extension of the Principles of Insurance in Modern Times
51
The Forms and Kinds of Policies
56
Premiums and Reserve Fund
67
Taxation of Insurance
79
The Quality and Scope of the Contract
82
What is a Contract of Insurance
83
An Aleatory but not a Wagering Contract
93
The Contract is Executory and Conditional
94
A Personal Contract Uberrimae Fidei
96
Indemnity the Sole Purpose of Property Insurance
101
The Contract of Life Insurance Not One of Indemnity
105
16
107
Mutual Benefit Insurance Contracts
108
When the Contract is Divisible
111
Requisites for the Validity of the Contract
114
Parties
116
In General
117
Who May Be Insurers
122
The Several Kinds of Corporate Insurers
123
The Rights of Foreign Insurers
127
Contracts Made by Insurers not Complying with Statutory Requirements
139
Who May Be Insured 25
143
Infants as Parties Insured
144
Aliens as Parties Insured
149
Insane Persons as Parties Insured
155
Insurable Interest
156
82
166
93
169
94
173
96
179
Insurable Interest in Lives
183
101
198
Extent of Interest of Creditor in Life of Debtor
200
Assignee without Insurable Interest
202
Consent of the Life Insured
207
The Making of the Contract
209
The Form RequiredOral Contracts
210
105
218
108
220
When an Oral Contract Becomes Binding
222
Legal Effect of Insurers Delay in Acting on Application
225
110
231
Contracts in Writing
234
Informal Written Contracts
235
Formal Written ContractsThe Policy
241
114
246
Delivery
247
116
248
122
254
123
255
125
256
Effect of Insureds Failure to Read Policy or Application
257
143
264
Payment of First Premium
267
144
272
148
273
What Papers Form the Written Contract
274
SameMutual Benefit Insurance
283
151
288
Unlawful Insurances
291
The General Theory of Insurable Interest 29 Insurable Interest in PropertyWhat Constitutes 156
293
161
294
The ConsiderationPremiums and Assessments
296
When the Premium is a Debt
300
Payment of Premiums
303
Vance Insurance 3rd Ed HBb XV
305
Consequences of Nonpayment of Premiums
319
Forfeiture
321
Excuses for Nonpayment
326
Notice of Premiums Due
332
Effect of Nonpayment of Premium Notes
339
Dues and Assessments in Mutual Benefit Societies
343
When Premiums may be Recovered
347
Where Insurance Wrongfully Terminated by InsurerAn ticipatory Breach
354
Devices for Ascertaining and Controlling Risk and Loss
364
When Duty to Disclose Terminates
379
Facts Known to Insured but Unknown to his Agent
386
Representations as to Opinion and Belief
394
Construction of Representations
401
WARRANTIES CONDITIONS AND EXCEPTIONS
408
Statutory Modifications of Warranty
417
Warranties and Exceptions
427
Insurance Agents and Their Powers
428
Classes of Agents and Their Powers
437
SubagentsTheir Appointment and Powers
448
Limitations upon the Powers of Agents
457
Waiver and Estoppel
470
WaiversWhat Included within the Term
477
What Effects a Waiver
489
What May be Waived
511
Elements of an Equitable Estoppel
528
Proof of Waivers and EstoppelsLimitations upon Agents
540
The Life Policy
547
Sec Page 93 Statement of Age
554
SuicideWhen not Excepted in the Policy
560
SuicideWhen Excepted in the Policy
564
Death at the Hands of the Law
572
The Incontestable Clause
575
The Reinstatement Clause
596
Nonforfeiture Provisions and Cash Value
607
Exclusion of Aviation Hazards
624
Exclusion of War Hazards
632
Rights of Beneficiary Subject to Condition Subsequent
691
Rights of Beneficiary Subject to Condition Precedent Contingent Beneficiary
693
Insurance Payable to a ClassChildren
695
Beneficiaries Under Facility of Payment Clause
698
Beneficiaries in Mutual Benefit Associations
702
When Beneficiary Dies before Insured
710
When Beneficiary is Divorced from Insured
714
When Beneficiary Takes the Life of the Insured
717
Where Insured and Beneficiary Perish in Common Disaster
724
TrusteeBeneficiary Insurance Trusts
726
Other Rights Under Insurance Policies
733
Life Policy Payable to Insured
735
Life Policy Payable to Third Person
737
Life Policy Payable to Creditor
738
Creditors Exemption Statutes
741
Insurance Paid for with Embezzled Funds
751
The Rights of AssigneesIn General
755
Marine Policies
756
Fire Policies
757
Life Policies
762
Rights of the Mortgagor and Mortgagee
771
Vendor and Vendee
777
Rights of Life Tenant and Remainderman
782
Sec Page 133 Rights of Heirs or Devisees of Insured
784
Rights by Subrogation
786
Right of Injured Person Against the Liability Insurer
800
The Standard Fire Policy
807
The Effect of Temporary Breach of Condition
811
The Term of Insurance_
813
The Subject of InsuranceDescription
815
The Subject of InsuranceLocation
818
The Interest of the Insured
822
Change of Interest Title or Possession
831
Fraud or False Swearing
837
Other Insurance
840
Operation of Factories
845
Increase of Hazard
846
Making Repairs
849
The Standard Fire Policy Continued
851
Explosive and Inflammable Substances
854
Vacant or Unoccupied Buildings
857
Collapse of Building
861
Iron Safe Clause
862
Liability of the Insurer
866
Measure of Insurers Liability
876
Appraisal and Arbitration
879
Option to Rebuild
881
Valued Policy Laws
883
Coinsurance Clause
887
Authority of AgentsWaivers
889
Cancellation of Policy
890
Notice and Proofs of Loss
893
Limitations upon Actions
903
Marine Insurance
908
Marine Policies and Their Construction
909
Insurable InterestLost or not Lost
910
Property Covered by the Insurance
911
Commencement and Duration of Risk
914
What Risks are AssumedProximate Causes of Loss
917
Implied Exceptions
920
Perils of the Sea
926
Sec Page 171 Barratry
929
Thefts
930
Jettison
933
The Insurers LiabilityTotal Loss
935
Abandonment
938
Sue and Labor Clause_
939
Accident Insurance
942
Accident Policies and Their Construction
944
Accidental InjuriesAccidental Means
947
External and Visible Signs of Injury
958
Special Hazards
961
Occupation and Employment
966
Excepted RisksIn General
969
Poison or Contact with Poisonous Substances
970
Inhaling of Gas
973
Bodily Infirmity or Disease
976
Voluntary and Unnecessary Exposure to Injury
978
Violation of Law
980
Injuries Received while Intoxicated
986
Remote Death or Disability
988
Loss of Members and Sight
991
Right to an Autopsy
993
Other Special Forms of Insurance
997
Liability Insurance
999
Fidelity and Guaranty Insurance 1006
1006
Liability of the Guaranty Insurer 1010
1010
Burglary Robbery and Theft Insurance 1014
1014
Annuities
1019
Credit Insurance
1026
Use and Occupancy Insurance __1029
1029
Group Insurance 1031
1031
State Insurance __1044
1045
Disability Insurance 1047
1047
War Risk Insurance 1053
1053
The Contract of Reinsurance 1065
1065
Appendix
1075
Standard Form of Lloyds Marine Policy __1084
1084
A Form of Personal Accident Policy _1096
1096
Mortality Tables
1103
Table of Cases
1105
Index
1223

Bibliographic information