1. This is an action on a combined policy of life insurance and accident insurance in case of death effected with the defendants, who are an insurance company, in favour of the deceased husband of the plaintiff, who, on 14-2-1950 died suddenly in consequence of a fall from a window on the fourth floor of a building in which he was residing.

Some years prior to his death, on 18-3-1947, Jamnadas Champsey, the deceased husband of the plaintiff, had insured his life with the defendants in a sum of Rs. 50,000/- and in the event of the death of the deceased before the expiry of the stipulated term the defendants further guaranteed to pay the said sum of Rs. 50,000/- plus a sum at the rate of Rs. 30/- per thousand assured for each years premium paid after the first year.

By that policy of insurance the defendants further agreed to pay an additional sum of Rs. 50,000/- if at any time when the policy was in force the life assured should sustain any bodily injury resulting solely and directing from any accident caused by outward violent and visible means. By an endorsement made on the policy on 20-3-1947 the deceased nominated his wife, the plaintiff, as the person to whom the money se