Court Opinion

ID: 9459050
Source: CourtListenerOpinion
Date Created: 2023-08-04 21:08:52.237634+00
Date Added: 2024-06-11T17:35:59.643125
License: Public Domain

WILLIAM E. DOYLE, Circuit Judge
(concurring).
I concur in the opinion and the result of Judge McWilliams, but wish to add some comments.
To be sure, the insured had a right to convert the group policy. This right is conferred not only by the initial policy but also by Colorado statute.1 All of the indications are, however, that the individual policy was really a new contract. The insured underwent a physical examination which was explicitly not required for conversion; the individual policy was in the amount of $15,000 rather than the $12,000 amount of the group policy; the individual policy included a suicide clause. In this light, it must be said that the insured contracted for a new policy with additional terms and coverage and the beneficiary is bound by such contract. While the new policy was then occasioned by the conversion clause of the group policy, it had little if any other connection to it.

. Colo.Rev.Stat. § 72-6-2(9) (1963).