<p>ABUBAKAR ABDULKADIR JEGA, J.C.A.: (Delivered the Leading Judgment): This is an appeal against the judgment of the Kano State High Court of Justice presided over by Hon. Justice A.M. Haliru in Suit No.K/795/03 wherein the learned trial Judge found the appellant liable to the respondent in the total sum of =N=15 Million claimed under two different Life Assurance Policies (Keyman and Endowment) underwritten by the appellant on the life of late Chief Cletus Okoli. The judgment was delivered on 30th July, 2004.</p><p> The facts of this case as can be seen from the totality of the records presented before this Court inclusive of the briefs are as follows -</p><p> At all material times, the appellant is an Insurance Company. The respondent is an infant/student who instituted the suit against the appellant in his capacity as the son/personal representative of one Late Chief Cletus Okoli. </p><p> The deceased Chief Cletus Okoli had procured two different Life Assurance Policies on two different dates from the appe…</p>