Commercial Law, 2012 Bar — Question 33

MULTIPLE CHOICE

X, in January 30, 2009, or two (2) years before reaching the age of 65, insured his life for Php20 Million. For reason unknown to his family, he took his own life two (2) days after his 65th birthday. The policy contains no excepted risk. Which statement is most accurate? A) the insurer will be liable. B) the insurer will not be liable. C) the state of sanity of the insured is relevant in cases of suicide in order to hold the insurer liable. D) the state of sanity of the insured is irrelevant in cases of suicide in order to hold the insurer liable.

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