Opinion ID: 686914
Heading Depth: 3
Heading Rank: 2

Heading: $3,000 per month of disability income benefits....

Text: 24 E. WE PROMISE TO ISSUE a base policy with no extra benefits riders, to a Proposed Insured who is a standard risk as of the Underwriting Date. 1 For limited amounts of insurance, we will ignore changes of insurability that occur after that date. The limit is $3,000 per month with a benefit period of five years or less. For amounts over this limit, we will base our decision to issue on all evidence of insurability including changes that first occur after the Underwriting Date.... 25 THIS RECEIPT PROVIDES A LIMITED AMOUNT OF INSURANCE PROTECTION UNDER THE TERMS OF THE APPLIED FOR POLICY FOR A LIMITED PERIOD OF TIME. I HAVE RECEIVED THE ORIGINAL OF THIS RECEIPT AND HAVE READ IT CAREFULLY. 26 At his deposition, Dr. Smith could not remember whether he read the binder before signing it, but said that he usually does read such things. Ramey flatly admitted that he did not read it. Ordinarily, a person cannot complain about being misled by a document he did not even read. Setzer v. Old Republic Life Ins. Co., 257 N.C. 396, 126 S.E.2d 135, 139 (1962). In any event, we just do not see any ambiguity. The contract says that Connecticut Mutual will pay $3,000 a month, and that is what it paid. It clearly reserved the right to decline to issue the $25,000 policy if Smith's insurability changed after the Underwriting Date. 27 Finally, it is of no consequence that Armstrong did not alert Ramey or Smith to the terms and limitations of the binder. A corollary of the insured's duty to read the policy is that the insurer has no duty to warn the insured about its provisions. Nationwide Mutual Ins. Co. v. Edwards, 67 N.C.App. 1, 312 S.E.2d 656, 661 (1984).