FACTS:

In May 1925, West Coast Life Insurance issued a joint life insurance policy for P15,000 to Bernardo Argente, and his wife, Vicenta de Ocampo.  In November 1925, Vicenta de Ocampo died of cerebral apoplexy. Thereafter Bernardo Argente presented a claim in due form to the West Coast Life Insurance Co. for the payment of the sum of P15,000 the amount of the joint life insurance policy.

During the investigations, it was found that the answers given by the insured in their medical examinations with regard to their health and previous illnesses and medical attendance were untrue. For that reason, the West Coast Life Insurance Co. refused to pay the claim of Bernardo Argente on the ground of fraud and misrepresentation.

Appellant argues that the alleged concealment was immaterial and insufficient to avoid the policy.

FACTS:

On May 12, 1962, Kwong Nam applied for a 20-year endowment insurance on his life for the sum of P20,000.00, with his wife, appellee Ng Gan Zee, as beneficiary. On the same date, Asian Crusader, upon receipt of the required premium from the insured, approved the application and issued the corresponding policy. On December 6, 1963, Kwong Nam died of cancer of the liver with metastasis. All premiums had been religiously paid at the time of his death.

On January 10, 1964, his widow Ng Gan Zee presented a claim in due form to appellant for payment of the face value of the policy. Appellant denied the claim on the ground that the insured was guilty of misrepresentation when he answered “No” to the following question appearing in the application for life insurance—

FACTS:

In May 1924, Phœnix Assurance Co., (corporation under Great Britain Law) issued a fire insurance Policy No. 841163 in the sum of P13,000 upon the property of Paris-Manila. With the knowledge of the defendant, the property was also insured in two other companies, one for P12,000, and the other for P5,000.  The property covered by the insurance was completely destroyed by fire for the total loss to the plaintiff of P38,025.56. Upon presentation of the claim, Phoenix unjustly refused to pay. Petitioner also requested the defendant to appoint an arbitrator under the provisions of section 17 of the policy, which was also denied.

The denial of Phoenix Insurance is on the ground that (a) the policywas issued “to one Peter Johnson, as proprietor of ParisManila Perfumery Co.,” and that the company was not the insured named in the policy (b) “the policy of insurance did not cover any loss or damage occasioned by explosion, and that the loss was occasioned by an explosion, and was not covered by the policy. (c) the claim of the plaintiff is fraudulent as to the quantity and value of the insured property at the time of the fire, thus all benefits are forfeited. It relies on Sec.6 of the policy which provides that the insurance policy shall not cover any Loss or damage occasioned by explosion.

FACTS:

Enrique Mora, owner of an Oldsmobile sedan model 1956, bearing plate No. QC-8088, mortgaged the same to the H.S. Reyes, Inc., with the condition that the former would insure the automobile with the latter as beneficiary. The automobile was thereafter insured on June 23, 1959 with the State Bonding & Insurance Co,, Inc. 

During the effectivity of the insurance contract, the car met with an accident. Enrique Mora, without the knowledge and consent of the H.S. Reyes, Inc., authorized the Bonifacio Bros. Inc. to furnish the labor and materials, some of which were supplied by the Ayala Auto Parts Co. The car was delivered to Enrique Mora without the consent of the H.S, Reyes, Inc., and without payment to the Bonifacio Bros. Inc. and the Ayala Auto Parts Co. of the cost of repairs and materials,