Suicide and a life insurance

Can you take out a life insurance and then commit suicide? Will the insurer have to pay if you kill yourself? It depends.
What about if the insured was killed in a robbery? Is there a possibility the insurer will not have to pay the beneficiaries of the life insurance policy? Again, the answer is, it depends. Here are several digests of cases we had to read for our insurance class this semester. Continue reading


The Inquirer presidential debates

The debate is beginning. The candidates are now being introduced — Noynoy comes in all in black, JC de los Reyes in a white barong and black pants, Gordon the same, except that he is wearing a long-sleeved barong and JC a short-sleeved one. Jamby is wearing black but has a green blazer on top; Gibo is wearing a polo shirt, Nick Perlas is wearing yellow! and Villar, white short-sleeved barong (?) and gray pants.

Former UP College of Law dean Raul Pangalangan asks Noynoy about his statement on not acknowledging an SC justice appointed by GMA. Noynoy says he only wanted to make sure that everyone obeys the Constitution.

Teodoro is asked about waffling on the RH bill.
For any policy especially one as controversial or as close to heart, have to work with consensus. Cannot implement law ab initio. Must move ahead and forward, get consensus, respect moral choice and whatever moral choice a person has made.

JC: what direct policy or legislation would you advocate as pres to achieve constitution prohibition vs political dynasty
Policies hindi nanggagling lang sa batas ngunit kung ano ang salita, asta. Kung iyon ang mensahe, we have to respect constitution…communicate to whole bureaucracy and solicit help of people so finally we have implementing rules to give life to constitution.

Villar is asked how to prevent another Ampatuan massacre.
Disarm lahat ng grupo…kailangan palakasin ang AFP dun para igalang at hindi na kailangan gumawa at magwield ng ganitong army. Galing din sa atin yan, we have to stop this, disarm them, palakasin ang AFP, itaas ang human devt index sa lugar na iyon. Walang trabaho kaya pumapasok na bodyguard…entrepreneurial skills…ng moslems…papuntahin ang kredito, focus on edukasyon, kalusugan, pamimigay ng trabaho…kailangan sabayan ang approach…

Congress joint session closes

The historic joint session to deliberate on President Gloria Macapagal-Arroyo’s declaration of martial law over Maguindanao province convened at 4:10 p.m. on Monday. Since martial law was lifted last Saturday, the session is expected to close today.
From the many empty seats, both at the gallery and on the congressional floor, it seems the historic joint session will end with a whimper. I can imagine all those who died during Marcos’ martial law turning in their graves. Will blog this last day of the joint session.
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Wrap up: The first joint session of Congress to tackle the President’s report on the proclamation of Martial Law

That was a great front act on the first joint session of Congress to deliberate on the President’s report on PD 1959, the proclamation of Martial Law.
When Maguindanao Rep. Didagen Dilangalen asked where the President was, the simple reply of House Speaker Prospero Nograles was that she had substantially complied with the requirements of the Constitution: she had submitted her report to Congress on Sunday, and the newly-drafted rules on the joint session did not require her to be present.
Makati Rep. Teodoro Locsin Jr. then pointed out that Dilangalen was one of those who had a petition questioning the proclamation at the Supreme Court, and said he was forum shopping.
Dilangalen, of course, had to answer that, though Nograles already said that Dilangalen, as a member of the House of Representatives, had “every right to talk in this chamber.”
The allegation was “preposterous” and “out of order,” Dilangalen said. The session was suspended, after which Locsin apologized to Dilangalen and said that, because there are other more important things that need to be tackled, he would rather that they move on to the business at hand.
“I did not come here to be insulted,” Dilangalen said, apparently unwilling to be pacified.
Nograles pointed out the remarks have already been withdrawn.
“If this continues I might change my mind,” said Teddyboy, and again session was suspended.
Of course they kissed and made up after that: “Teddyboy is a very good friend of mine,” Dilangalen said, adding that he was Teddyboy was only testing him. “Thank you very much I forgive you Teddyboy.” Continue reading

Partylist Rep. Satur Ocampo: the one who drafted Proclamation 1959 is confused.

Rebellion is hard to prove, says Partylist Rep. Satur Ocampo, pointing out that though he was charged with rebellion during the Marcos dictatorship, the charges were not proven until the time he managed to escape.
Later, when as a member of the House of Representatives he was again accused of rebellion, he said it took the justice department nine months to prepare charges against him and five other partylist representatives.
He raises the point that critics have raised: that the rebellion case might be a way out for the Ampatuans, because it is hard to prove and two, because it is political. Because it is hard to prove, there is a chance that the Ampatuans charged with rebellion will scot-free. And because it is political, there is the chance that even if the Ampatuans were found guilty and convicted, the President can always pardon them.
Congress suspends session until 2 p.m. Thursday afternoon.
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Ermita admits: there was no actual rebellion

“You may be correct there was no actual rebellion going on,” Executive Secretary Eduardo Ermita admitted during interpellation by Rep. Edcel Lagman, but then he turned around and added: “But [there were] all indications [that] rebellion [was] being committed and happening on the ground because of the presence of armed groups…”
Lagman kept asking Acting Justice Secretary Agnes Devanadera about the elements of rebellion. Was there a public uprising, how did the Ampatuans withdrew their allegiance from the national government? The closure of public offices, he said, would be more likely to fall under sedition, not rebellion. There were no reports of a public uprising before December 4, when martial law was declared over Maguindanao, he said.
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Why were there no judges in Cotabato city? One was killed, the other two were on hadj

Maguindanao Rep. Didagen Dilangalen explains why there were no judges in Cotabato City. Branch 15 has been vacant since the judge there was murdered, and there was no one recommended by the Judicial and Bar council to replace him. The other two judges, of branches 13 and 14, were in Saudi Arabia on hadj, with the permission of the Supreme Court.
Acting Secretary Justice Agnes Devanadera simply said she didn’t know about that. Senator Joker Arroyo now speaking. Dilangalen said he had more questions, but he had been told that 52 congressmen had lined up to ask questions.
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