ÿWPC§ ñ_ü¯þ}d #h~=™®NGÏ~ìf…¡¾l6Â:ØŽ¶I~ ÏŸ×X)d¯ør¡ª8oŽ`“ÿz8«RS“Õ¢ÊJWÙ핊“kÛjˆËBã“¿Ô.ÉÐ.Èìë(Ðý½4»H·K%Yúô`©É¬¥¶R=îm¬?ÇXyµjè7ÖËW±B›×ÜGëݹ)àùAŸpÕÂ5r}%#%ñTêÏïñYL³•LF>ÝDϧM' öØ‚~ô/©²¥!P0Á­=%Qtm>,È)¢l}1E®ÃqŽ®þ&×ô:!@^žR|q°ÊGÿ¡¨ø;¦Zã/§˜>n÷*(a‚R Q œâó8ed³Â±¢÷>í«}FÍÈ“KQO÷![2 m€”šâªÄjìÕlœ¼²Q 5F«%µ©(üþ¸Ë0³`*­èö›Æz]8 ç-®IÁÓ¹À€eÉüáV^ºV_2²Gš㶦˜”ú8y3ÛJ4¹‘´ÙãQ6IßY‰;û7ûVô1Q÷Ž/µDQ<ºÞôòÀ$­~€ÔñU*èvÂ碩ÏÓcËjÅUéåƒàñᘛ—}ðä[Ò;’}ûÞ†ƒ3ù(œíêsl ¹b¿ëלÿe h¤)#!>UN_ %­ 0³³U<fw@¢4âöU<UA 0ø– AQŽ 0Dß # ( r0 U:¢ 0Ü U: NFH mJJJJJJJJJ BaÆ~ 0ÐD 0Ð 0Dää D/(( BW D3t˜HP LaserJet 8000 DN PSØÚØÚÚØØÚ0(ÈhH  Z 6Times New Roman RegularX(‹7ÿ$¡¡Ò°ÒÒ„°ÒÓ  ÓÑ7€ü†XXdðXXdð7ÑÑ  ÑÔ€Xd|XXXÔ-šBu Z‹$Arrus BT Roman 2D3D4U5 î6Ó€7Ó€8Ó€9Ó€CHtpO'v¢°LJ˜3|xH)LÀÄ  Z $Arrus BT Roman KÝ ƒ ¿©$ÝÒ°ÒÒ„°ÒÓ  ÓÔ€Xä XXXÔà ` àòòÚ  Ú1Ú  ÚóóÝ  Ý€The€complaint€names€as€plaintiffs€the€Robert€C.€Lee€Trust€and€MissTennÐ ° ÐRadiology,€P.A.€(MissTenn),€and€Revere€was€granted€summary€judgment€as€to€bothÏplaintiffs.€€The€notice€of€appeal€is€filed€by€a€nonparty,€Robert€C.€Lee,€M.D.€ÏHowever,€the€appeal€bond€designates€the€principal€as€appellant,€Robert€C.€Lee€Trust.€ÏIn€order€to€reach€the€merits€of€the€appeal,€we€construe€the€notice€of€appeal€as€filedÏby€the€Robert€C.€Lee€Trust.(¨(3¿©$¤¤Ý ƒ7ÿ!ÝÒ°ÒÒ„°ÒÓ  ÓÑ8€Ç!XXdìdì8ÑÑ  ÑÔ€Xä XXXÔÝ  Ýà ` àòòÚ  Ú0Ú  Úóó !" (Cþÿ<<Cÿÿ($$””ò òÚ  Ú1Ú  Úó ó ûÝ ƒ!¯"ÝÝ  ÝÔ€XtXXXÔÔ€ºXXtÔÓ  Óò òÔ Ad ÔFILEDÔ€XtXºÔÐ  ÐÌNovember€4,€1999ÌÌCecil€Crowson,€Jr.ÌAppellate€Court€ClerkÔdAhÔó ó hÝ ƒ ¿©$ÝÒ°ÒÒ„°ÒÓ  ÓÔ€Xä XXXÔà ` àòòÚ  Ú2Ú  ÚóóÝ  Ý€1035€of€the€Internal€Revenue€Code€allows€a€taxpayer€to€apply€the€cash€valueÐ ° Ðof€an€existing€policy€toward€the€purchase€of€a€new€policy€without€paying€tax€on€theÏgain€with€respect€to€the€existing€policy.,–ûyAZ‹"Arial Regular &Ý ƒ!ˆ "ÝÓ  ÓÔ€Xä XXXÔÝ  ÝÔ€XµJXXXä ÔÔ€…¡XXµJÔÓ  Óò òÔ Ad ÔFILEDÔ€XµJX…¡ÔÐ  ÐÌOctober€19,€1999ÌÌCecil€Crowson,€Jr.ÌAppellate€Court€ClerkÔdA“Ôó ó,–ûyAZ‹"Arial RegularÿU‹ÿÀÀÀ dƒLevel 1Level 2Level 3Level 4Level 5(¨3ˆ $¢¢Ý ƒ7ÿ!ÝÒ°ÒÒ„°ÒÓ  ÓÑ8€Ç!XXdìdì8ÑÑ  ÑÔ€Xä XXXÔÝ  Ý(¨3ˆ $££Ý ƒ7ÿ!ÝÒ°ÒÒ„°ÒÓ  ÓÑ8€Ç!XXdìdì8ÑÑ  ÑÔ€Xä XXXÔÝ  Ý(#Ã$òòÚ  Ú0Ú  Úóó'''÷ÿ dxdüÿP Pd'ÿÿdxdÝ ƒ7ÿ!ÝÒ°ÒÒ„°ÒÓ  ÓÑ8€Ç!XXdìdÈ8ÑÑ  ÑÔ€Xä XXXÔÝ  ÝÑTR[° AØ'ÿ Legal3Ø' AØ'ÿ Legalÿ3Ø'TÑñCññ9ñßr€ (<,(j 8` `€€@Eô±` ttx0,°ð árßñ9ññCññHññCñßr€ (<,(j 8` `€€@Eô±` ttx0,°ð árßñCññHñÔ_Ôà@Ì Ì ®àIN€THE€COURT€OF€APPEALS€OF€TENNESSEEˆÐ ° Ðà@)®àAT€JACKSONˆÌà ` àà ¸ à€€€€______________________________________________ÌñHñßt€ (>.*jx”úæ` `€€@Eˆ–` 8ttxPÀÎð È tßñHñÌò òROBERT€C.€LEE€TRUST€by€andÐ ° Ðthrough€M.€STEPHEN€BRANDON,€ÌTRUSTEE,€ó óÐ ´  ÐÌandÌÌò òMISSTENN€RADIOLOGY,€P.A.,€Ð ¶  ÐÌà ` àó óPlaintiffs„Appellants,Ð º  Ðà ` àà ¸ àà  àà h àà À àà  àà p àShelby€Chancery€No.€98„0014„1ÌVs.à ` àà ¸ àà  àà h àà À àà  àà p àC.A.€No.€02A01„9901„CH„00021Ð º  ÐÌò òTHE€PAUL€REVERE€VARIABLEÐ º  ÐANNUITY€INSURANCE€COMPANY,Ìa€wholly€owned€subsidiary€of€Textron,ÌInc.,ó óÐ À ÐÌà ` àDefendant„Appellee.Ì____________________________________________________________________________ÌÌà@¶ ¶ ®àFROM€THE€SHELBY€COUNTY€CHANCERY€COURTˆÌà@  ®àTHE€HONORABLE€WALTER€L.€EVANS,€CHANCELLORˆÌÌÌñ2ñÌÌÌñ2ñà@ŠŠ®àLarry€E.€Parrish,€P.C.,€of€MemphisˆÌà@'®àFor€AppellantsˆÌÌà@??"®àGeorge€T.€Lewis,€III€and€ˆÌà@ÃîàLori€Hackleman€Patterson€of€MemphisˆÌà@rr(®àFor€AppelleeˆÌÌñ3ññ*ñÌñ*ññ3ñÌÌÌà@««$®àò òòòAFFIRMED€AND€REMANDEDó óóóˆÐ Â*&& ÐÌà@'®àOpinion€filed:€ˆÌÌÌÌÌÌÌà ` àà ¸ àà  àà h àà À àà  àà p àà È àò òW.€FRANK€CRAWFORD,Ð Â3// Ðà ` àà ¸ àà  àà h àà À àà  àà p àà È àPRESIDING€JUDGE,€W.S.ÌÌÌCONCUR:ÌÌALAN€E.€HIGHERS,€JUDGEÌÌHOLLY€KIRBY€LILLARD,€JUDGEó óñ4ñÐ Ò;"77 Ðñ4ññ6ñÓÓñ6ññ5ñà ` àThis€appeal€involves€a€declaratory€judgment€suit€against€an€insurance€companyÏseeking€a€declaration€that€a€policy€of€insurance€was€never€in€effect€and€for€judgmentÏfor€the€amount€of€premiums€paid.€€From€the€order€of€the€trial€court€grantingÏdefendant,€The€Paul€Revere€Variable€Annuity€Insurance€Company,€(Revere)Ïsummary€judgment,€plaintiff„appellant,€Robert€C.€Lee€Trust€(Trust)€appeals.׃ ×Ý ƒ##ÃÝòòÚ  Ú1Ú  ÚóóÝ  Ý×  ×€€Ð °  Ðà ` àThe€complaint€alleges€that€the€Trust€was€established€in€1982,€and€the€trusteeÏis€M.€Stephen€Brandon.€€The€address€of€both€of€the€Trust€and€the€trustee€is€6075ÏPoplar€Avenue,€Suite€420,€Memphis,€Tennessee,€38119.€€The€complaint€avers€thatÏMissTenn€is€a€Mississippi€professional€association€duly€chartered€by€the€State€ofÏMississippi€with€its€principal€place€of€business€in€Corinth,€Mississippi.€€PlaintiffsÏallege€that€Revereððs€agent€solicited€the€purchase€of€a€life€insurance€policy€on€the€lifeÏof€Robert€C.€Lee,€M.D.€and€obtained€the€execution€of€an€application€for€the€policyÏdated€June€16,€1994.€€The€application€states€that€the€proposed€insured€is€Robert€C.ÏLee,€M.D.,€and€the€owner€and€beneficiary€of€the€policy€is€the€Trust.€€The€applicationÏfurther€states€as€pertinent€to€the€issue€before€the€Court:Ìñ5ññ7ñÓÓñ7ññ5ñà8 ` àà8¸ ` ü!` ü!à(5)€The€insurance€applied€for€will€not€take€effect€unlessÏthe€issuance€and€delivery€of€the€policy€and€payment€ofÏthe€first€premium€occur€while€the€health€of€the€ProposedÏInsured€.€.€.€remains€as€stated€in€the€Application.€.€.€.Ð ¸ ¤¸ ¤ ÐÌñ5ññ6ññ5ñÓÓñ5ññ6ññ8ñÓÓñ8ññ5ñThe€complaint€alleges€that€there€never€was€a€delivery€of€the€policy€and€further€aversÏthat€by€means€of€bank€drafts€drawn€directly€from€the€account€of€MissTenn,€Revere€Ïobtained€from€MissTenn€approximately€$5,000.00€per€month€for€thirteen€monthsÏas€premiums€on€the€policy.€€Plaintiffs€aver€that€there€was€no€policy€in€effect,€and€thatÏRevere€must€refund€the€amounts€paid€as€premiums.Ìà ` àRevereððs€answer€admits€that€the€application€was€made€and€that€the€premiumsÐ °1-- Ðwere€paid€but€denies€that€there€was€no€delivery€of€the€policy.€€It€avers€that€the€policyÏwas€in€full€force€and€effect,€and€it€is€entitled€to€the€premiums€paid.Ìà ` àThe€material€facts€are€not€in€dispute.€€The€Robert€C.€Lee€Trust€was€establishedÏby€Dr.€Robert€C.€Lee€as€settlor€in€1982€for€the€purpose€of€estate€planning.€ÏMissTenn,€at€all€material€times,€was€a€professional€association€wholly€owned€by€Dr.ÏLee.€€For€the€purposes€of€funding€the€Trust,€Dr.€Lee€arranged€to€procure€insuranceÏon€his€life,€and€in€June,€1994,€Dr.€Lee€completed€and€signed€an€application€withÏRevere€for€a€two€million€dollar€life€insurance€policy€on€his€life€to€be€owned€by€theÏTrust.€€As€stated€in€the€complaint,€the€application€stated€that€the€policy€would€notÏtake€effect€unless€the€policy€was€delivered€while€the€ð ðhealth€of€the€Proposed€InsuredÏ.€.€.€remains€as€stated€in€the€Application.ðð€€The€application€was€handled€by€RevereððsÏagents,€Bruce€Sartain€and€Rick€Jiminez.€€The€first€premium€check€in€the€approximateÏamount€of€$5,000.00€was€paid€by€MissTennððs€check€signed€by€Dr.€Lee.€€By€writtenÏinstrument€Dr.€Lee€authorized€Revere€to€draw€monthly€premium€installments€fromÏthe€MissTenn€bank€account.€€On€June€20,€1994,€the€policy€of€insurance€applied€forÏwas€mailed€from€Revereððs€home€office€in€Worcester,€Massachusetts,€to€the€agents€inÏJackson,€Mississippi.€€Upon€receipt€of€the€policy€from€Revere,€the€agents€placed€theÏpolicy€in€the€United€States€mail€for€delivery€to€Stephen€Brandon,€trustee€for€theÏRobert€C.€Lee€Trust€at€his€address.€€Brandon€denies€receiving€the€policy.€€BothÏBrandon€and€Dr.€Lee€received€notices€from€Revere€concerning€the€premium€paymentsÏmade€from€the€MissTenn€bank€account.Ô‡ Xä XXXä Ôà p àIn€September,€1994,€Dr.€Leeððs€father,Ð °,(( Ða€Farm€Bureau€agent,€asked€Dr.€Lee€to€replace€his€existing€life€insurance€policy€withÏa€policy€obtained€from€his€brother,€Glenn€Lee€of€Tennessee€Farmers€MutualÏInsurance€Company.€€Dr.€Lee€agreed€and€instructed€his€brother€to€perform€a€1035Ïâ âExchange€of€policies€so€that€there€would€be€no€gaps€on€Dr.€Leeððs€insurance€coverageÐ °400 Ðand€no€tax€consequences€for€the€exchange.׃×Ý ƒ##ÃÝòòÚ  Ú2Ú  ÚóóÝ  Ý×  ×€€The€existence€of€the€Revere€policy€wasÐ ° Ðâ ârequired€to€complete€an€exchange€of€insurance€policies.€€To€initiate€this€procedure,ÏDr.€Lee€signed€a€Tennessee€Farmerððs€Insurance€Form€entitled,€ð ðNotice€RegardingÏReplacement:€Replacing€Your€Life€Insurance€Policy,ðð€on€September€11,€1994,€whichÏrepresented€that€he€currently€held€a€life€insurance€policy€from€Revere.€€On€DecemberÏ25,€1994,€Dr.€Lee€signed€a€Tennessee€Farmerððs€Life€Insurance€Company€form€entitledÏð ðAbsolute€Assignment€to€Effect€Section€1035€Exchange€and€Cash€Surrender,ðð€whichÏstated€that€the€Revere€policy€was€in€effect€on€that€date.Ìà ` àRevere€filed€a€motion€for€summary€judgment€asserting€that€the€undisputedÏfacts€show€constructive€delivery€of€the€policy.€€Alternatively,€Revere€asserts€that€evenÏif€no€delivery€was€accomplished,€the€insured€waived€the€delivery€requirement€byÏrecognizing,€in€writing,€that€the€policy€was€in€full€force€and€effect.€€Plaintiffs€alsoÏmoved€for€summary€judgment,€agreeing€that€no€issues€of€material€fact€exist.€€Ìà ` àAfter€a€hearing€on€December€2,€1998,€the€trial€court€granted€Revereððs€motionÏfor€summary€judgment€by€order€entered€December€8,€1998.€€The€trust€has€appealedÏand€presents€the€sole€issue€for€review€as€whether€the€trial€court€erred€in€grantingÏAppelleeððs€motion€for€summary€judgment€and€denying€Appellantsðð€motion€forÏsummary€judgment,€finding€as€a€matter€of€law€that€the€mailing€of€an€insurance€policyÏto€a€proposed€insured€constitutes€a€constructive€delivery€of€said€policy€and€therebyÏcreates€a€binding€policy€of€insurance,€negating€the€need€for€an€actual€delivery€of€theÏpolicy?Ìà ` àÔ#†Xä XX Xä ì#Ôñ5ññ8ññ5ñÔ‡Xz¨XXXz¨Ôñ5ññ8ññ5ñA€motion€for€summary€judgment€should€be€granted€when€the€movantÐ °.** Ðdemonstrates€that€there€are€no€genuine€issues€of€material€fact€and€that€the€movingÏparty€is€entitled€to€a€judgment€as€a€matter€of€law.€€Tenn.€R.€Civ.€P.€56.03.€€The€partyÏmoving€for€summary€judgment€bears€the€burden€of€demonstrating€that€no€genuineÐ °400 Ðissue€of€material€fact€exists.€€ò òòòBain€v.€Wellsó óóó,€936€S.W.2d€618,€622€(Tenn.€1997).€€OnÐ ° Ða€motion€for€summary€judgment,€the€court€must€take€the€strongest€legitimate€viewÏof€the€evidence€in€favor€of€the€nonmoving€party,€allow€all€reasonable€inferences€inÏfavor€of€that€party,€and€discard€all€countervailing€evidence.€€òòò òId.ó óóó€€The€parties€concedeÐ ´  Ðthat€there€are€no€genuine€issues€of€material€fact€and€that€summary€judgment€isÏappropriate.€€Ìñ5ññ8ññ5ñÔ‡ Xd~XXXd~ÔÔ#†Xd~XX Xd~°%#ÔÔ‡Xz¨XXXz¨Ôñ5ññ8ññ5ññ5ñà ` àAlthough€Revere€asserts€that€Mississippi€law€is€controlling€on€the€issueÏpresented,€it€concedes€that€the€law€is€the€same€in€both€Mississippi€and€Tennessee.€ÏAppellant€contends€that€Tennessee€law€applies.€€The€applicable€law€is€such€that€weÏneed€not€extend€this€Opinion€in€this€regard.ÌÔ‡ Xä XXXä Ôà ` àAppellant€contends€that€the€application€provision€requires€actual€delivery€ofÐ ¸ Ðthe€policy€to€the€Trust€as€the€owner€of€the€policy.€€Revere,€on€the€other€hand,Ïcontends€that€its€mailing€of€the€policy€to€its€agent€for€delivery€satisfied€theÏapplicationððs€provision.Ìà ` àò òòò1€Couch€on€Insurance€3dó óóó,€ðð€14.10€(1996)€states:Ð ¸  ÐÓÓà8 ` àà8¸ ` ü!` ü!àà  àWhether€delivery€has€occurred€depends€upon€theÏintention€of€the€parties€as€manifested€by€their€acts€andÏwords.€€Similarly,€in€determining€whether€there€has€beenÏa€delivery€to€the€insured€by€a€delivery€to€the€agent€of€theÏinsurer,€the€intention€of€the€parties€as€to€the€purpose€andÏconditions€of€the€delivery€to€the€agent€must€be€consideredÏand€given€effect.Ð ¸ ¤¸ ¤ ÐÌà8 ` àà8¸ ` ü!` ü!àà  àThe€condition€of€delivery€of€the€policy€does€notÏnecessarily€require€an€actual€or€manual€delivery.€€AÏconstructive€delivery€suffices€in€lieu€of€a€delivery€of€theÏinstrument€into€literal€possession€of€the€applicant€in€theÏabsence€of€an€explicit€contractual€or€statutory€provisionÏwhich€makes€the€effectiveness€of€the€contract€dependentÏupon€actual€delivery;€or€a€contractual€condition€whichÏmust€be€fulfilled€before€delivery€can€be€effective.€ÏOrdinarily,€the€sufficiency€of€the€delivery€of€a€policy€isÏdetermined€not€by€who€has€the€actual€possession€of€theÏpolicy,€but€who€has€the€right€of€possession.Ð ¸ ¤¸ ¤ ÐÌà ` àà ¸ àà  àà h à*à À àà  à*à p àà È à*Ð ¼6 22 ÐÌÓÓà ` à1€€òòò òApplemanððs€Insurance€Law€&€Practiceó óóó€ðð.€132€(1981)€provides:à8 @x àÐ ¼8 44 ÐÓÓà8 ` àà8¸ ` ü!` ü!à132.€ò òNecessity€of€delivery€„€Intention€of€the€Partiesó ó.€€Ð°¸ ¤¸ ¤ ÐÌà8 ` àà8¸ ` ü!` ü!àà  àThe€mere€fact€that€no€contract€was€delivered€to€theÏinsured€is€not,€of€itself,€conclusive€upon€the€question€asÏto€whether€or€not€the€contract€is€in€force€and€effect.€€TheÏquestion€as€to€whether€or€not€a€valid€delivery€has€beenÏeffected€depends€chiefly€upon€the€intention€of€the€parties.€ÏThus,€where€the€insurer€mails€the€policy€to€its€agent,€theÏintent€with€which€this€action€is€performed€governs€inÏdetermining€the€sufficiency€of€delivery.Ð ¸ ¤¸ ¤ ÐÌà8 ` àà8¸ ` ü!` ü!àà  àSince€delivery€is€largely€a€matter€of€intention,Ïconstructive€delivery€of€the€contract€is€sufficient€in€theÏabsence€of€policy€provisions€to€the€contrary.€€Thus,€whereÏthe€policy€is€in€the€possession€of€the€insurerððs€agent,€theÏquestion€may€have€to€be€resolved€upon€the€old€doctrineÏof€ð ðmeeting€of€the€mindsðð€to€determine€the€question€ofÏconstructive€delivery.€€The€very€fact€that€the€policy€isÏcomplete€and€ready€for€delivery€is,€of€itself,€some€evidenceÏthat€the€terms€were€all€agreed€upon.à È àв¸ ¤¸ ¤ ÐÌà ` àà ¸ àà  àà h à*à À àà  à*à p àà È à*Ð ² ÐÔ#†Xä XX Xä (#ÔÌà ` àAs€stated€in€19€ALR3d€953:ÌÌà8 ` àà8¸ ` ü!` ü!àà  àIt€is€a€broad€principle€of€general€recognition€inÏnumerous€cases€that,€under€a€policy€provision€requiringÏdelivery€to€the€insured,€in€general€terms€at€least,€theÏunconditional€transmission€of€an€insurance€policy€by€theÏcompany€to€its€agent€for€delivery€to€the€applicant,€whereÏhis€application€has€been€accepted€and€the€policy€issued,Ïwith€nothing€other€than€delivery€remaining€to€be€done€byÏeither€party,€constitutes€delivery€of€the€policy€to€theÏapplicant.Ð ¸ ¤¸ ¤ ÐÌò òòòId.ó óóó€at€959„960.Ð ²'## ÐÌÓÓà ` àTennessee€has€recognized€delivery€to€an€agent€as€an€effective€delivery€of€theÏpolicy.€€This€Court€in€ò òòòBates€v.€Equitable€Life€Assurance€Society€of€the€United€Statesó óóó,Ð ´+'' Ð177€S.W.2d€360€(Tenn.€App.€1943)€stated:ÌÓÓà8 ` àà8¸ ` ü!` ü!àThe€first€premium€had€been€paid,€the€insurer€hadÏaccepted€the€insuredððs€offer,€issued€the€policy,€and€òòò òmailedÐ ¸0,, Ðit€to€its€agent€for€delivery€to€the€insuredó óóó.€€Under€theseÐ º1 -- Ðcircumstances€the€formation€of€the€contract€had€beenÏcompleted€and€a€manual€tradition€of€the€policy€was€notÏessential.€€(citations€omitted)(emphasis€added).Ð ¸ ¤¸ ¤ ÐÌò òòòId.ó óóó€at€363.Ð ¼6 22 ÐÌÓÓà ` àIn€ò òòòYonge€v.€Equitable€Life€Assurance€Societyó óóó,€30€F.€902€(E.D.€Tenn.€1887),Ð ¾844 Ðsuit€was€filed€to€recover€on€a€life€insurance€policy.€€The€policy€was€never€actuallyÏdelivered€to€the€insured€but€was€mailed€by€the€insurance€company€to€the€local€agentÏof€the€company.€€The€Court€held€that€as€between€the€applicant€and€the€company,€theÏpolicy€became€effective€and€binding€when€placed€in€the€mail€to€the€agent,€and€ð ðif€notÏthen,€certainly€when€it€reached€the€hands€of€the€agent.ðð€€ò òòòId.ó óóó€at€902.Ð °  Ðà ` àAppellant€relies€upon€the€holding€of€this€Court€in€ò òòòBlazer€Ins.€Agency€v.€JimÐ ´  ÐCogdill€Dodgeó óóó,€809€S.W.2d€745€(Tenn.€App.€1991).€€In€ò òòòBlazer,ó óóó€the€insurance€agencyÐ ¸  Ðsued€insured€to€recover€unpaid€premiums€on€a€liability€policy€canceled€by€the€insuredÏprior€to€maturity.€€The€issues€in€the€case€were€whether€the€insured€had€a€right€toÏcancel€the€policies€since€he€never€received€them,€whether€the€insured€would€be€liableÏfor€the€premiums€on€the€policies€until€the€time€he€gave€notice€of€cancellation€or€untilÏthe€policies€were€actually€canceled,€and€finally,€whether€the€amount€of€the€premiumsÏcould€be€calculated€on€a€pro€rata€basis€or€on€a€ð ðshort€rateðð€cancellation€penalty€basis.€ÏAppellant€states€in€its€brief€that€in€both€the€ò òòòBlazeró óóó€case€and€the€case€before€theÐ ¼  ÐCourt,€the€question€is€whether€or€not€the€insurance€company€is€entitled€to€receiveÏpayments€for€a€period€during€which€the€insurance€company€claims€to€have€beenÏbound€by€an€issued€policy€even€though€the€insurance€company€had€not€delivered€theÏpolicy.€€Appellantððs€reliance€on€ò òòòBlazeró óóó€is€misplaced.€€The€principle€issue€in€the€caseÐ À&"" Ðis€not€whether€the€insured€was€obligated€to€pay€the€premium,€but€rather€whether€theÏunpaid€premiums€would€be€determined€upon€a€ð ðshort€rateðð€or€pro€rata€basis.€€TheÏCourt€considered€the€policy€as€effectively€delivered,€and€this€Court€modified€the€trialÏcourtððs€judgment€against€the€insured€to€fix€the€insuredððs€liability€for€premiums€on€aÏpro€rata€basis.€€ò òòòBlazer€ó óóóactually€stands€for€the€proposition€asserted€by€Revere€in€theÐ Ä0,, Ðinstant€case.€€We€hold,€therefore,€that€the€policy€in€the€instant€case€was€effectivelyÏdelivered€pursuant€to€the€requirements€of€the€application.€€ÌÔ‡ Xä XXXä Ôà ` àIn€the€case€at€bar,€Dr.€Leeððs€application€required€only€that€delivery€must€occurÐ È622 Ðwhile€he€was€in€the€same€state€of€health€that€he€was€in€at€the€time€of€application.€€Ð È844 ÐThe€issuance€of€the€policy€by€Revere,€the€possession€of€the€policy€by€the€insuranceÏagent,€and€the€witnessed€mailing€of€it€to€the€Trustee€by€the€agents€constituted€aÏconstructive€delivery€of€the€policy.€€Further,€the€partiesðð€actions€clearly€show€thatÏthey€intended€to€be€bound€by€the€policy.€€Dr.€Lee€and€Mr.€Brandon€allowedÏpremiums€to€be€paid,€represented€to€other€parties€that€the€policy€was€in€force,€andÏnever€took€any€action€manifesting€any€objection€to€the€policy€being€in€force.€€WeÏagree€with€the€trial€court€that€the€policy€was€in€force€and€had€Dr.€Lee€died,€theÏinsurance€company€would€have€been€obligated€to€pay€the€$2€million€coverage.€€ToÏallow€the€appellants€to€now€deny€the€policyððs€existence€would€be€unjust.Ô#†Xä XX Xä C#ÔÐ ° Ðà ` àMoreover,€the€record€is€undisputed€that€the€premiums€paid€on€the€policy€wereÏpaid€by€MissTenn,€and€there€is€nothing€in€the€record€to€indicate€that€any€otherÏentity€has€any€right€to€receive€a€refund€of€premiums€paid€by€MissTenn.€€TheÏsummary€judgment€in€favor€of€Revere€is€final€as€to€MissTenn€and€is€not€assailed€inÏthis€appeal.Ìà ` àAccordingly,€the€order€of€the€trial€court€granting€summary€judgment€isÏaffirmed,€and€the€case€is€remanded€to€the€trial€court€for€such€further€proceedings€asÏare€necessary.€€Costs€of€the€appeal€are€assessed€against€the€appellant.Ô‡ Xä XXXä Ô€€€€€€€€€€€€€€€€€€€€Ð °$  ÐÓÓÔ#†Xä XX Xä ×I#Ôà ` àà ¸ àà  àà h àà À àà  àà p à_________________________________Ð °&"" Ðà ` àà ¸ àà  àà h àà À àà  àà p àò òW.€FRANK€CRAWFORD,€Ð °'## Ðà ` àà ¸ àà  àà h àà À àà  àà p àPRESIDING€JUDGE,€W.S.ó óÔ‡ Xä XXXä ÔÐ ²($$ ÐÌò òCONCUR:Ð ´*&& ÐÌÌÔ#†Xä XX Xä ÉK#Ô____________________________________Ð º- )) ÐALAN€E.€HIGHERS,€JUDGEó óÔ‡ Xä XXXä ÔÐ ¼. ** ÐÌò òÔ#†Xä XX Xä ”L#Ô____________________________________Ð ¾0,, ÐHOLLY€KIRBY€LILLARD,€JUDGEó óñ5ñ