Tisdale v. Connecticut Mutual Life Insurance

1. Death: presumption op, prom absence. The death of an absent person may be presumed in less than seven years from the date of the last intelligence from him, from facts and circumstances other than those showing his exposure to danger which probably resulted in his death. 2. -PRESUMPTION PROM CIRCUMSTANCES COMBINED WITH ABSENCE. Evidence of character, habits, domestic'relations, and the like, making the abandonment of home and family improbable, and showing a want of all those motives which can he supposed to influence men to such acts, maybe sufficient to raise the presumption of death, or from which the death of one absent and unheard from, may he inferred, without regard to the duration of such absence. 3. -PRESUMPTION PROM LETTERS OP ADMINISTRATION. The granting of letters of administration is prima facie evidence of the death of the party upon whose estate they are issued. But the presumption of death raised thereby is weak and inconclusive, and may he ; rebutted by slight evidence.

Appeal from Dubuque District Court. Action on a policy of insurance upon tlie life of Edgar Tisdale, husband of plaintiff. There was evidence at the trial tending to prove that the party upon whose life the policy was issued was a young man of exemplary habits, excellent character, of fair business prospects, respectably connected, and of the most happy domestic relations. He had the fullest confidence of his friends and the entire affection of his wife, and was living in apparent happiness, with no cause of discontent with his condition, which would have influenced him to break the domestic and social ties with which he was so pleasantly bound to life. Yisiting Chicago, September 25, 1866, upon business, he was last seen by any acquaintance on the corner of Lake and Clark streets in that city, about 3 o’clock p. m. of that day. No trace of him was afterward discovered, though his friends made every effort to find him and ascertain the cause of his mysterious disappearance. A large reward was offered through the newspapers for information that would lead to his discovery, either dead or in life. The detective police were employed to search for him without results. No tidings have been received of him, and not the faintest trace of the cause or manner of his disappearance has been discovered. He gave no intimation to any one of an intention to absent himself; and the latest declaration of his intentions was to the effect, that he expected to leave Chicago, the day of his disappearance,.to join his wife at Dubuque. He owed no debts amounting to any considerable sum, and had made payment of some small ones about the day of his disappearance. His valise, containing clothing and other articles commonly carried by travelers, was found at his hotel. His bill there was unpaid. Letters of administration, issued upon his estate, December 18,1866, were admitted in evidence. A further statement of the evidence, which is quite voluminous, is not necessary for a proper understanding of the points ruled. The District Court gave the jury the following, among other instructions : “ 1. The law presumes the existence of a person, when duly proved, to continue until the contrary is shown by some sufficient proof, or, in the absence of such proof, until a different presumption arises. Such different presumption arises in law after the expiration of seven years without any intelligence concerning such person. But, upon the issue of the life or death of a person, a jury may find a presumption of death from the lapse of a shorter period than seven years, provided other circumstances concur. These other circumstances must be facts proven or presumed to be true, the existence of which, being so established, gives reasonable ground for the presumption of such death; such as, for instance, that such person is proven to have sailed on a voyage which should long since have been accomplished, and the vessel in which he sailed has not since been heard from, from which fact, the loss of the vessel and those on board will reasonably be presumed ; or that such person is shown to have last been in a house destroyed by fire, or a tornado, at or so near the time of its destruction, as to furnish a reasonable presumption that he perished in it. But, in the absence of proof of some such circumstances, no amount of probabilities arising from continued absence or neglect to write, or from confidence in the character or habits of the person alleged to be dead, or in his previous declarations of intention, will be sufficient to warrant the presumption of death within seven years, because the law fixes IV it period for a presumption of death to arise from such c ir'cumstances. “ 2. In an issue of life or death of a person on á trial, letters of administration upon his estate, granted within seven years after his disappearance, are proper evidence in proving the allegation of such death, and, in the absence of any other proof on this issue, are prima facie sufficient to establish the same. But, if, on such trial, the party denying such death, introduces proof that the person so disappearing was last seen, within the period of seven years, alive and under circumstances not exposed to any special danger of death, and where no reasonable presumption of such danger would arise, then the burden of the issue is not changed by the introduction of such letters of administration; and unless you find that the party affirming such death has established, by a preponderance of proof on his part, such circumstances as will, under the principles stated in the first instruction above given, warrant the presumption of such death within seven years, then he must fail, and your verdict should be for the party denying it.” Yerdict and judgment for defendant. Plaintiff appeals. I. Letters of administration are prima facie evidence of the death of the person on whose estate they are granted. 1 Greenleaf on Ev. §§ 41, 550; 2 id. (5th ed.) §§ 278 a, 279; 10 Pick. 516; 26 Barb. 397; 7 •!. J. Marsh. 431; 22 Wend. 277; 10 N. II. 242. II. After the plaintiff rested, the burden of proof lay on the defendant, and whether the presumption arising from the letters was rebutted by defendant’s evidence, assuming it competent for that purpose, was a question for the jury; and the charge of the court, that the evidence of defendant was sufficient to require of plaintiff other circumstances in addition to the letters to establish a prima facie case, was determining the weight of defendant’s evidence, and therefore erroneous. 12 Iowa, 450; 16 Md. 422 (21 U. S. D. 523); 9 Cal. 565; 7 Ind. 453. III. When the plaintiff has made out a prima facie case, the burden of proof is thrown xtpon the defendant, where it rests imtil he has fully overcome the plaintiff’s evidence. 1 Greenleaf on Ev. §§ 33, 41; 18 Ala. 616; 30 id. 253; 36 Barb. 57; 16 Wis. 110; 9 id. 119. IV. The court in charging, that “ no amount of probabilities, arising from continued absence or neglect to write, or from confidence in the character or habits of the person, or his previous declarations of intention, will be sufficient to warrant the presumption of death within seven years,” misled the jury, in assuming that those were all the considerations shown in the evidence from which probabilities could arise pointing to death. Motives against absconding were shown. The strongest probabilities in reference to human affairs are drawn from motives — 1. From all of the considerations in evidence, it is for the jury to say whether the presumption, or probable inference, is that the person is dead. 1 Phillips on Ev. (Cowen, Hill & Edwards’ Notes, 1st Am. ed.) 599-613. 2. By isolating these considerations, and as to each, separately negativing the presumption of death, the court practically passed upon the weight of the evidence and forbade the jury finding death from the evidence of circumstances. 3. In this part of the charge the court misled the jury from the consideration of all the probabilities in a general result, by determining that each of the mentioned bases of probability was insufficient for a conclusion of death. V. The court, in charging the jury, that to warrant the presumption of death within seven years, such circumstances as lie mentioned (see page 1 of charge) must be proven, virtually charged the jury that none of plaintiff’s evidence in rebuttal was admissible to prove death, because not tending to establish the circumstances he mentioned, which, we submit, is not the law. 1. Any and all circumstances which afford a reasonable conclusion of death, are admissible as evidence of the fact. Angelí on Fire and Life Ins. § 351 and note; 6 Hurlstone & Norman, 838; 5 Cowen, 314; 2 Greenleaf on Ev. 278a, 279; 4 ,B. & Aid. 433; 1 Starkie, 121 ; 1 Ga. 542, 543. In support of the judgment and rulings below, cited 23 Pa. 117; 18 Ohio, 375; 9 Iowa, 1; Detroit dh Milwaukee Railroad Go. v. Steinburg, “West Jurist,” Feb. ’69 ; 33 Me. 367; 14 Pa. St. 478; 1 Marshall, 3; 21 Ala. 755; 28 id. 677; 20 Ga. 15; 36 Me. 176; Stark. Ev. vol. 2, part 2, 931.