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Insurance Case Digest: Villanueva v.

Oro (1948)
G.R. No. L-2227  August 31, 1948
Lessons Applicable: Insured Outlives Policy (Insurance)
Laws Applicable: 

West Coast Life Insurance Company issued 2 policies of insurance on the life of
Esperanza J. Villanueva:
2,000 php - maturing on April 1, 1943
if living, on the 1st day of April 1943 - to insured
upon death during the continuance of this policy - to the beneficiary
Bartolome Villanueva, father of the insured, with right on the part of
the insured to change the beneficiary
1940: Bartolome Villanueva died, Mariano J.
Villanueva duly substituted as beneficiary, a brother of
the insured
3,000 php - maturing on March 31, 1943
Esperanza J. Villanueva survived the insurance period, for she died only on October 15,
1944, without, however, collecting the insurance proceeds.
CFI: estate of the insured Esperanza is entitled to the insurance proceeds
ISSUE: W/N the estate of insured Esperanza should be entitled to the insurance proceeds since she
outlived the insurance policy

HELD: YES. appealed order is, therefore, hereby affirmed

To sustain the beneficiary's claim would be altogether eliminate from the policies the
condition that the insurer "agrees to pay . . . to the insured hereunder, if living
Upon the insured's death, within the period, the beneficiary will take, as against the
personal representative or the assignee of the insured. Upon the other hand, if the insured
survives the endowment period, the benefits are payable to him or to his assignee,
notwithstanding a beneficiary is designated in the policy


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