sic itur ad astra

Insurance Law | Concealment, Representations, Warranties, Conditions, Exceptions Petitioner/Insurer: Insular Life Assurance Co., Ltd. Respondent: Dr. Serafin D. Feliciano Insured: Evaristo Feliciano 4-3 On October 12, 1934 , Evaristo Feliciano signed an application for a life insurance policy in the amount of P20,000 with Insular Life Assurance Co., Ltd. On that same date, Feliciano was suffering from advanced pulmonary tuberculosis , was breathless, had difficulty breathing, and appeared to have a high fever. On October 12, 1934, after conducting an X-ray examination at Santol Sanatorium, Dr. Trepp informed Feliciano’s brother, Dr. Serafin D. Feliciano, that the insured was already in a very serious and practically hopeless condition. Despite this medical condition, the application and medical examiner’s report indicated that the insured was in good health. The soliciting agent, Romulo M. David, in collusion with medical examiner Dr. Gregorio Valdez, knowingly wrote false answers in ...