specially concurring.
Here the opinion is supported by those announced in Shinall v. Prudential Ins. Co., 91 Colo. 194, 14 P. (2d) 183; Hill v. Capitol Life Ins. Co., 91 Colo. 300, 14 P. (2d) 1006, both announced in 1932, and in Columbian National Life Ins. Co. v. McClain, 115 Colo. 458, 174 P. (2d) 348. I dissented from the opinion in each of those cases, believing then and now, that they do violence to the law of contracts. My convictions have not undergone any change, but since I now feel bound by the law as determined in the cases, supra, the rule of stare decisis compels my concurrence.