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Mindanao university ordered to close law programs

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  The Legal Education Board (LEB) has ordered the Mindanao State University to close its law programs in all its campuses starting academic year 2025-2026 after it approved a resolution canceling MSU’s accreditation. The order stemmed from MSU’s refusal to recognize LEB’s supervisory authority and for asserting that it is not bound by the board’s orders, policies and guidelines on legal education. “The MSU is no longer authorized to offer the basic law program in the country,”  the LEB said. The board made permanent the cease and desist order it issued against MSU’s extension law programs on its campuses in Tawi-Tawi, Sulu and Maguindanao. It expressed concern over what it described as MSU’s “dismal” performance in the Bar examinations, noting the school’s passing rate since 2013 has been below the national passing percentage. Reacting to the LEB’s resolution, the MSU said it would continue to operate in accordance with its chapter passed by Congress in 1955. “The LEB cannot act no
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S.A 2020/21 B.E COMMERCIAL LAW | Question #15

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 SUGGESTED ANSWERS TO THE2020/21 BAR EXAMINATIONS INCOMMERCIAL LAW | Question No. 15 



#CommercialLaw #PreviousBarQuestions 


Twenty-five months after a life insurance policy had been issued, the insured committed suicide.

Upon investigation, the insurance company discovered that the insured had been living with an undiagnosed Major Depressive Disorder for the past year before the suicide. Under the Diagnostic and Statistical Manual of Mental Disorders Fifth Edition (DSM-5), a guidebook used by many professionals to diagnose various mental health conditions, Major Depressive Disorder is recognized as a mental disorder.

Would the beneficiaries of the insured’s life insurance policy still be entitled to receive its proceeds? Explain briefly. 

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SUGGESTED ANSWER: 


Yes, the beneficiaries of the insured’s life insurance policy are entitled to its proceeds. Under the Insurance Code, the insurer in a life insurance contract shall be liable in case of suicide when it is committed after the policy has been in force for a period of two years from date of issue or last reinstatement, unless the policy provides for a shorter period. If the suicide is committed in the state of insanity, it shall be compensable regardless of the date of commission (Section 248).

The insurer is not liable only if the suicide is an excepted risk.

In this case, not only is the policy in force for a period of two years from the date of the commission.of suicide, the suicide was also committed in the state of insanity. There is likewise no showing that suicide is an excepted risk. Thus, the insurer is liable. 


Code: S.A 2020/21 B.E COMMERCIAL  LAW | Question #15



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