CANDLER, Justice.
For an annual premium of $36.18, Life & Casualty Insurance Company of Tennessee issued to Erasmus R. Brown a twenty-pay life-insurance policy in the amount of $1,000, and for an additional annual premium of $2, it issued to him a supplemental accident policy, which in part provides: "Upon due proof that the death of the insured occurred in consequence of bodily injury effected solely through external, violent and accidental means of which, except...