This is a suit on a certificate or 'policy of insurance.
The petition, in substance, charges that plaintiff is the widow of Robertson L. Jacobs, deceased, and defendant is a benevolent corporation doing business under the laws of Nebraska. That on the first day of June, 1894, in consideration of the payment of $26.50 and the payment thereafter of $26.50 quarterly for the period of fifteen years, defendant executed and delivered to said Robertson L. Jacobs its five beneficiary certificates, each for the sum of $1,000, the same constituting a policy of insurance in said association whereby it promised to pay plaintiff the said sum of $5,000 within ninety days after proof of the death of the said Robertson L. Jacobs.
The petition then charges thp death of said Robertson on the twenty-ninth day of June, 1896, and proof thereof; that the said insured and plaintiff kept and
The answer of defendant admits that it is a benevolent corporation under the laws of Nebraska; admits that it issued the certificate of membership; admits the death of Jacobs and due proof thereof. The answer then avers that it is a benevolent society and sets out in full article 3 of its charter which shows the general nature of the business to be that of giving aid to the families of deceased members. It avers that under the laws of Nebraska it is authorized to transact the business of a fraternity on the assessment plan and is, and at the date of the policy was, authorized to transact business within this' State on the assessment plan. The answer then charges that admission of said Jacobs to membership was in consideration of statements, declarations, and warranties contained in his application and medical examination. That by the said application, which is made a part of the contract, the applicant stipulated and warranted that the answers and explanations given to questions propounded to him were full, complete, and true, and that each and every such statement and answer was material to the risk. That the statements were declared to be the exclusive and only basis of the contract, and if any misrepresentation, or fraudulent, or untrue answers were made the agreement and policy of insurance should be void. The answer further charges that in said medical examination the following question was asked: “Stateparticulars of any illness, constitutional disease, or injury you have had, giving date, duration, and remaining effects, if any?” To which question he made the following answer: “None, except broken leg, March, ’83,” which answer was untrue; the said injury having
The reply to the answer denies each allegation of new matter contained therein,-and states specially that: “The application referred to in said answer was not written by the deceased, Robertson L. Jacobs, but by the agent of the defendant, and that the allegation therein, that deceased’s leg was broken in March, 1883, was a clerical mistake made, by the agent of defendant in making out and writing the deceased’s application for insurance. Plaintiff states that the same was not material a,nd did not affect the merits of the risk, or the condition of defendant’s soundness of body or condition of health. And plaintiff denies that any of the allegations contained in said answer of defendant contain any material or meritorious matters of legal defense to the just and meritorious cause of action contained in plaintiff’s petition in this cause.”
When the ease was called for trial the bill of exceptions shows the following proceedings:
“Defendant in this cause now moves the court for a judgment on the pleadings as shown (admitted) by the replication filed therein.
“Which said motion for judgment was by the court sustained.
“And to the ruling of the court in sustaining said motion the plaintiff then and there excepted and saved her exceptions.
“On motion for judgment the plaintiff then offered*56 in evidence the certificate or policy of insurance issued by the defendant to Bobertson L. Jacobs, the application for said policy, and the medical examination.”
This evidence was excluded by the court, but is preserved in the bill of exceptions. The application, as well as the declaration and examinations, contains certain stipulations, agreements and warranties, and the examination contains the answers to questions as charged in the answer.
The policy of insurance is as follows:
“No. 11177. OMAHA LIFE ASSOCIATION. $5,000.
“Age, 42. Premium, $26.60.
“In consideration of the application for this policy of insurance, which is hereby referred to and made part of this contract, and of the statements made therein, which statements every person accepting or acquiring an interest in this contract adopts as his own and warrants to be full, complete, and true, and of the first premium paid on or before the delivery hereof, the Omaha Life Association does hereby issue to Bobertson L. Jacobs, of Bichmond, county of Bay, State of Missouri, its certificates of membership numbered 11173, 11174, 11175, 11176, 11177 for the sum of one thousand dollars each, the same constituting a policy of insurance in said Omaha Life Association numbered 11177 for the sum of five thousand dollars and upon the consideration aforesaid and upon the condition of the payment of the sum of twenty-six and sixty one hundredths dollars to be paid quarterly on the first day of September, December, March, June of each and every year for the full term of fifteen years payable at the home office of the association in the city of Omaha, in the State of Nebraska, and subject to all the conditions, requirements and benefits stated on the second and third pages of this policy of insurance, which are hereby referred to and made a part of this*57 contract, there shall be payable to Lizzie C. Jacobs, his wife, if living at such time, otherwise to the legal representatives of said member the sum of one thousand dollars on each certificate then in force, within ninety days after the first day of the first calendar quarter next ensuing the date of acceptance by the association of satisfactory evidence of the death of said member. Provided: That if the insured shall come to his death before the expiration of five years from the date hereof then there shall be reserved by the said'association from the face hereof such a sum as will, if added to the sum of all premiums which will then have been paid by the insured, equal to twenty-five per cent of the face hereof. ”
The judgment was for defendant and plaintiff appealed.
The proceedings, as disclosed by the bill of exceptions, are unusual. Defendant moved for judgment on the admission in plaintiff’s reply that applicant’s leg was broken in 1883 when in truth that injury occurred in 1893. According to the record this motion was sustained and afterward the policy of insurance, the application, and the medical examination were offered in evidence, and evidence was also offered tending to prove that the breaking of a leg is not a constitutional injury or disease. This evidence was all excluded. The evidence offered is preserved in the bill of exceptions, and we will treat it, as the parties have treated it in argument, as a part of the record upon which the court acted in passing upon defendant’s motion.
The question then is whether or not the incorrect answer of the applicant in respect to the date of his injury vitiated the policy.
Life insurance companies under the laws of Missouri are divided into two general classes, one of which is popularly known as “old line companies” and the
The petition states that defendant is a “benevolent corporation, organized and doing business under the laws of Nebraska.” Defendant by answer charges that it is a corporation under the laws of Nebraska and authorized to transact the business as a fraternity on the assessment plan and was, at the date of the issuance of the certificate sued on, and now is “authorized by the insurance department of the State of Missouri to transact business within this State on the assessment plan,” These allegations were put in issue by the reply.
Whether or not defendant is an insurance company on the assessment plan, and therefore not governed by the provisions of the statute declaring the effect of misrepresentations in securing the policy, is a fact put in issue by the pleadings and the burden of
The character of this contract was put in issue by the pleadings and the legal effect of the admission in the reply, that the date of applicant’s injury was incorrectly given to the medical examiner, may depend upon the finding on this issue. If the contract was not on the assessment plan, then the false date of the injury will not avoid it unless material to the risk.
An examination of the' contract itself, and of the application which is made a part of it, fail entirely to show that the “benefit is in any manner or degree, dependent upon the collection of an assessment upon persons holding similar contracts.” The contract is conditioned upon the payment of the fixed sum of $26.60 quarterly. It is said in the Hanford case, supra: “It is true the fifteen dollars to be paid and used as an
It is true the contract is made subject to all the conditions, requirements and benefits stated on the second and third pages of the policy, but neither party has incorporated these in the abstracts furnished us so we are not informed what they require.
The court therefore committed error in rendering judgment for defendant upon the pleadings, assuming that the evidence offered by plaintiff was considered in connection therewith. 'Whether or not the policy sued on was on the assessment plan, was a question of fact which plaintiff had the right to have tried, as the legal effect of the facts pleaded by defendant in avoidance of the contract may have depended upon the decision of that question.
In case it should be found, on a trial of that issue, that the contract in question is a policy of insurance on the assessment plan, then the question whether or not the declarations and representations of the insured are warranties must be determined from the contract itself, read in connection with what is referred to and made a part of it, and in the light of all the facts and circumstances. Not having all the evidence properly
The judgment is reversed and the cause remanded.