In Rogers v,Household Life Insurance Co. ,the case in the text,why did the court decide that the insurance policy was void instead of voidable?

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A finding that one is incapacitated and a grant of unrestricted guardianship powers represents a finding that the ward lacks all capacity to make decisions and take actions that protect his or her well-being.Thus,the court concluded that the appointment of a guardian with full powers represents a finding that the ward lacks the capacity to contract as a matter of law.According to the plain language of Idaho Code § 32-108,an adjudication that one is incapacitated is a determination that one lacks the capacity to contract as a matter of law.Thus,agreements entered into by such a person do not give rise to enforceable contracts.

In Rogers V,Household Life Insurance Co