Source: http://www.lawskills.com/case/ga/id/654/94/index.html
Timestamp: 2019-04-26 10:07:08+00:00

Document:
BROWN v. INTERSTATE LIFE & ACCIDENT INSURANCE COMPANY.
Action on insurance policy. Clarke Superior Court. Before Judge Barrow.
When a policy provides that the insurer is not bound or does not assume any obligation unless at the date thereof the insured is alive and in good or sound health, such a provision is a valid condition precedent to liability on the part of the insurer, and there can be no recovery on the policy where it appears that the insured was not in sound health at the date thereof, Boswell v. Gulf Life Ins. Co., 197 Ga. 269, 273 (29 SE2d 71); 44 CJS 992, 237.
In the absence of allegations to show that the premiums were received and applied by the insurer to cover a date prior to that stated in the policy as the date of commencement, as in Progressive Fire Ins. Co. v. Brinson, 88 Ga. App. 498, 500 (76 SE2d 807) (see 12 Appleman, Insurance Law and Practice, 1964 Supp. 56, 7172), or that the insurer was in some way estopped from asserting non-liability or had waived the condition that the policy should not take effect if on its date the insured was not free from bodily injury and in good health, the petition did not state a cause of action. Boswell v. Gulf Life Ins. Co., 197 Ga. 269, supra; Strickland v. Gulf Life Ins. Co., 70 Ga. App. 365 (28 SE2d 314); Fowler v. Liberty Nat. Ins. Co., 73 Ga. App. 765 (38 SE2d 60); accord Pilgrim Health &c. Ins. Co. v. Milledge, 107 Ga. App. 77 (129 SE2d 80); see Life & Cas. Ins. Co. of Tenn. v. Williams, 200 Ga. 273 (36 SE2d 753, 161 ALR 686); 44 CJS 1105, 276. The holding in Division 2 of Life & Cas. Ins. Co. of Tenn. v. Palmer, 48 Ga. App. 380, 381 (172 SE 823), appears not to be in accord with the decision in Boswell v. Gulf Life Ins. Co., supra, and is not controlling.
The trial court did not err in sustaining the defendant's demurrer.
L. D. Skaggs, for plaintiff in error.
ARGUED MARCH 3, 1965 -- DECIDED APRIL 13, 1965.

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