United States Life Insurance Company v. Wilson
Court of Special Appeals of Maryland
18 A.3d 110 (2011)
Relevant factsFree
After Griffith's life insurance lapsed for nonpayment, he arranged an e-check through his bank to pay the overdue premium under a reinstatement offer, the bank mailed the check on July 25, he died on July 28, and the insurer received the payment only on July 30, then denied benefits on the theory the policy remained lapsed at the time of death.
IssueFree
Whether, under the mailbox rule, a written acceptance is effective when properly mailed unless the offer requires a different method.