46 Minn. 68 | Minn. | 1891
The plaintiff, (appellant,) having previously obtained a judgment against defendant, garnished the Bankers’ Life Associa
Mathew A. Balfour became a member of this association on March 7, 1887, and died January 7, 1890, leaving as members of his family a widow, the defendant, and four minor children. In the certificate
It would be a waste of time for us to discuss or determine in this proceeding just what right or interest this defendant has in the amount to be paid over when judgment is entered upon that verdict, whether she holds the whole in her own right or simply in trust, or whether she has an absolute title to one-fifth, as a member of a family consisting of five persons. She recovered upon the certificate solely, claiming no rights except such as were found therein; and in this proceeding, at least, the terms of the certificate must govern the plaintiff.
Whatever the widow’s interest in the fund, whether great or small, the amount thereof is beyond the reach of her creditors, so long as it remains unpaid. Section 369 of said chapter 34 (the same being section 2 of chapter 128, Laws 1877) reads as follows: “When any benevolent association or society similar to those enumerated in section one of this act [section 368] set apart or appropriate a beneficiary fund to be paid over to the families of deceased, or to any member of said families, any such fund, not exceeding the sum of five thousand dollars, so provided and set apart according to the rules, regulations, or by-laws of said association or society to the family of any deceased member, or to any member of said family, shall be exempt from execution, and shall under no circumstances be liable to be seized, taken, or appropriated by any legal or equitable process to pay any debt of such deceased member.” The rule of construction
Unless the construction we have determined upon, or that, at least, adopted by the court just mentioned, can be given to the words under consideration, they are wholly superfluous and without meaning at all times. In fact, without so construing them, the entire section would be valueless as a rule, because inapplicable to nearly all cooperative or assessment life-insurance organizations. Almost without exception these associations provide in their articles of incorporation and in their membership certificates, as did this garnishee, that the fund shall be paid to his family upon the decease of a member. At no time has he an interest which may subject the money to the payment of his debts. On the other hand, construing the section as we have indicated gives it significance and effect as to each of these societies and associations; their plans are promoted, and objects encouraged; and they are the better enabled to accomplish their benevolent and charitable purposes. In addition, to this, such construction is in harmony with all legislative action upon the subject of co-operative and assessment associations, as well as with the universal rule of construction that, when applied to such organizations, a liberal construction is required of their articles and of the statutes, in favor of the objects of their bounty, and to prevent the
Order affirmed.
Mitchell, J., being absent, took no part in this decision.