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Case Digest: Sun Life of Canada v. Sibya, G.R. No. 211212, June 8, 2016

  Insurance Law | Incontestability Clause (Section 48) Kind of Insurance: Life Insurance Parties: Petitioner: Sun Life of Canada (Philippines), Inc. (Insurer) Respondents: Ma. Daisy S. Sibya, Jesus Manuel S. Sibya III, and Jaime Luis S. Sibya (Beneficiaries) Insured: Atty. Jesus Sibya, Jr. Insurer: Sun Life of Canada (Philippines), Inc. Beneficiaries: Ma. Daisy S. Sibya, Jesus Manuel S. Sibya III, and Jaime Luis S. Sibya This is a Petition for Review on Certiorari filed by Sun Life of Canada (Philippines) , Inc. assailing the Court of Appeals’ decision affirming the RTC ruling ordering it to pay life insurance proceeds and damages to the beneficiaries of the insured. On January 10, 2001, Atty. Jesus Sibya, Jr. applied for a life insurance policy with Sun Life. In his application, he disclosed that in 1987 he underwent lithotripsy for kidney stones at the National Kidney Institute, and stated that there was “no recurrence.” He also executed an authorization allowing Sun Life to...
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Case Digest: Manila Bankers Life Ins. Corp. vs. Aban (July 29, 2013)

  Insurance Law | Incontestability Clause (Section 48) Kind of Insurance: Life Insurance Parties: Petitioner: Manila Bankers Life Insurance Corporation (Insurer) Respondent: Cresencia P. Aban (Beneficiary) Insured: Delia Sotero Insurer: Manila Bankers Life Insurance Corporation Beneficiary: Cresencia P. Aban On July 3, 1993, Delia Sotero applied for a life insurance policy from Manila Bankers Life Insurance Corporation , naming her niece, Cresencia P. Aban , as beneficiary. On August 30, 1993, Insurance Policy No. 747411 with a face value of ₱100,000.00 was issued in Sotero’s favor after medical examination and payment of premiums. The policy remained in force and premiums were continuously paid. On April 10, 1996, more than two years and seven months after issuance of the policy, Sotero died. On July 9, 1996, the beneficiary, Cresencia P. Aban, filed a claim for the insurance proceeds. The insurer conducted an investigation and alleged that: Sotero was illiterate and did not...
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