
    Catharine O’Shaughnessy, Respondent, v. The Working Women’s Co-operative Association of the United Insurance League of New York, Appellant.
    (City Court of New York—General Term,
    May, 1894.)
    Where the insured, in a policy of life insurance, warrants the truth of the answers made by her to questions in her application, compliance with such warranty is a condition of the contract of insurance, and it must be assumed that any substantial deviation from truth in such answers is material to the risk and renders the policy void.
    Where the insured in such application stated that she had never had rheumatism, and the proofs of death show that she had had such disease two years prior to her death, a direction of a verdict in favor of the plaintiff is erroneous.
    Appeal from judgment in favor of the plaintiff, entered upon a verdict directed by the court.
    
      Win. E. Morris, for respondent.
    
      W. J3. Bonihee, for appellant.
   McCarthy, J.

It is a pity that counsel do not prepare their causes better and thus present more fully at the trial all the facts relating to the case. This would relieve the judges at General Term from much uncertainty, and prove more satisfactory to counsel.

This case, either through neglect or some other cause, was not properly presented by either side, and thus we are compelled to act on very slight evidence indeed.

The plaintiff and defendant having each moved for a direction of a verdict, left the question of fact entirely to the court. We can then only review on a question of law.

The defendant offered in evidence, among certain proofs submitted to it by plaintiff in regard to the death of Catherine Clifford, the following affidavit of the plaintiff:

“State of Hew York,
Oity <mcL Goimty of New York,
ss:
“Catherine O’Shaughnessy, of the city of Hew York, being duly sworn, says that she resides at 807 1st avenue in the city of Yew York; that she well knew Catherine Clifford; she was the wife of Patrick Clifford, who died in the city of Yew York June 29th, 1869; for the last three years of her life Catherine Clifford lived with me at this number; she died on Monday morning, Yovember' 27th, 1893, at my residence in this city.
I know Dr. Jos. A. McLoughlin for about 5 years, and knew him when he was a physician attending to Catherine Clifford for rheumatism, inflammatory rheumatism, in 1891, in the summer of 1891; he made one visit; she had rheumatism in the hands.
I don’t know her age, only as she states it in her application.
her “ Catherine + O’ Shaughnessy. mark
"Sworn to before me this 1st 1 day of December, 1893. Í .
“ Sigmund W. Wolfe,
Notary Public (202), N. Y. Co.”

By Exhibit A, the application which Catherine Clifford signed when seeking this insurance and which forms a part of the contract'of insurance, she represents that she never had .any rheumatism, while by the affidavit of plaintiff it appears that Mrs. Clifford had this disease in the summer of 1891.

The plaintiff, although in court, was not called to contradict or explain this affidavit.

The answer to this question was a material one, and, under the terms of the application and certificate, if false and-untrue, rendered the policy null and void.

Where the insured, in a policy of life insurance, warrants the truth of the answers made by her to questions in her application, compliance with such warranty is a condition of the validity of the contract of insurance, and it must be assumed that any substantial deviation from truth in such answers is material to the risks and renders the policy void. Dwight v. Germania Life Ins. Co., 103 N. Y. 346; Armour v. Transatlantic Fire Ins. Co. of Hamburg, Germany, 90 id. 451, 453.

Other questions were asked: “ Q. When last sick ? A. Never. Q. Of what disease? A. None. Q. Name of physician who last attended member proposed, and when? A. None. Q. Has member ever had (if so, give particulars) rheumatism? A. No.”

Also, 20th question: “ Q. Has applicant withheld any material facts about member proposed ? A. No.”

The trial justice, with this evidence before him, erred in directing a verdict for the plaintiff, and, therefore, judgment must be reversed and a new trial granted, with costs to abide the event.

The judgment roll, which is on file in the clerk’s office, has been read, examined and considered as a part of the case on appeal.

Van Wyck, J., concurs.

Judgment reversed and new trial granted, with costs to abide event.  