The following are the recognized excuses for failure to pay premiums when due: War, in some jurisdictions. Insolvency of the insurer. Refusal of tendered premium. Any wrongful act of insurer preventing payment.

6 Woodfin vs. Insurance Co. 52 N. C., 558; Brady vs. Insurance Co., 9 Misc. Rep., 6; 29 N. Y. Supp., 44.

7 See Vance on Insurance, Sec. 76.

8 Massachusetts Ben. Life Assn.

vs. Robinson, 104 Ga., 256; 30

S. E., 918. 9 Bigelow vs. Association, 123

Mass., 113.

Want of notice, when it is the duty of the insurer to give notice.

Waiver of prompt payment.10

Notice of premiums falling due is not required except under statutory provisions.