IN INSURANCE CASES, RENDERED IN THE UNITED STATES SUPREME AND CIRCUIT COURTS, AND IN THE STATE SUPREME COURTS. AGENT. § 1. LIFE.-Acts exceeding his Authority not a Waiver.A waiver or estoppel to be effectual must be made by an officer or agent authorized to make it. The act of a mere local agent employed by the company's agent to solicit applications, in filling up the answers and inducing the insured to sign without reading the application, does not bind the company unless there is evidence that he had specific authority so to act. Such authority cannot be presumed from the mere fact that he was authorized to solicit, and provided with blank forms for the purpose, where such forms and the policy itself prohibit the exercise of such authority. Lee vs. Guardian Life Ins. Co. Rep'd Jour'l, p. 26. U. S. C. C. CAL. |