11 S.E.2d 201 | Ga. | 1940
All petitions for equitable relief shall be filed in the county of the residence of one of the defendants against whom substantial equitable relief is prayed. A petition filed in Fulton County by a named beneficiary in an insurance policy, against the insurer, a company having an office and agent in Fulton County, and an assignee of the policy, a resident of Bibb County, seeking to have the assignment declared void and canceled, and praying that the insurer be enjoined from paying the proceeds of the policy to the assignee, and for a judgment and accounting against the insurer for the proceeds of the policy, did not pray for such equitable relief against the resident defendant as would draw to the jurisdiction the non-resident defendant for the equitable relief prayed against her The court did not err in sustaining the demurrer and dismissing the action as to the non-resident defendant.
The petition alleged the following facts: The petitioner is the named beneficiary in a $2500 policy of insurance issued by the defendant company on the life of her husband, Harry Elliott Reynolds, who died on January 14, 1940. She is in possession of the policy, has paid all premiums and assessments due thereunder, and has furnished the insurance company with written notice and proof of the death of the insured. She is informed and believes that the insurance company recognizes its liability to her under the policy, but has not paid same because of notice of a paper alleged to be an assignment of said policy to Louise Solomon, a copy of which is attached to the petition. The insurance company denies that its liability extends to the full face amount of the policy. The purported assignment from Harry Elliott Reynolds to Louise Solomon, dated January 4, 1940, is not a valid assignment of the policy, for the following reasons: (1) It was without consideration. (2) Harry Elliott Reynolds did not have sufficient mental capacity to execute the assignment. (3) It was procured through the undue influence and fraud of Louise Solomon. Equity should take jurisdiction in order to avoid a multiplicity of suits. The prayers were (1) that the insurance company be enjoined from paying the proceeds of the policy to Louise Solomon; (2) that Louise Solomon be enjoined from collecting the proceeds of the policy; (3) that the alleged assignment be decreed null and void, and ordered surrendered and canceled; (4) and for judgment in the amount of the proceeds due under the policy.
The insurance company filed an answer in which it alleged that there was a loan of $559.29 outstanding against the policy, and that it was ready to pay the face amount of the policy, less the loan, or $1940.73, to the person entitled thereto; and prayed that it be allowed to pay $1940.73 into court, and thus be relieved of all further liability. Thereupon the petitioner filed what she termed a "response and counterclaim" to the affirmative matter stated in the answer, in which she alleged that she was entitled to an accounting from the insurance company, by reason of the following facts: Under a supplemental agreement, a copy of which is attached to the pleadings, the insurance company agreed to waive all premiums due under the policy in case of the total and permanent disability of the insured. The insured became totally and permanently disabled in 1927, and furnished the company *3
with proper proofs of such disability; but the insurance company required the insured to continue paying the premiums until the time of his death. The premiums were paid under protest and under urgent and immediate necessity. The annual premium on the policy was $58.80, and petitioner is entitled to the refund of the premiums paid in 1928 and each year thereafter, with interest at seven per cent. The exact amount can only be determined by an accounting. If there is a loan against the policy, the petitioner is entitled to an accounting and to have the sums paid in for premiums during the period of total disability applied as and when paid, in satisfaction of any indebtedness due to the insurance company, or, if not applied in satisfaction of the loan, it should be accounted for and returned to the party paying said premiums. The petitioner added prayers, (1) that as beneficiary under the insurance policy she recover and have an accounting of all premiums paid during the period of total and permanent disability, (2) that such premiums be credited against any loan found due against the policy, and (3) that she have judgment for any balance of the premium fund after satisfying the loan, in addition to a judgment for the face amount of the policy. The purported assignment of the policy from Harry E. Reynolds to Louise Solomon recites, among other things, that it conveys "all the first party's rights, title, interest and equity in and to any and all premiums, rebates of premiums, exemptions from payments of premiums arising in his favor or which he may have under said policy of insurance, and all claims and (or) demands of every nature and description which the first party may have for the repayment of any and all sums heretofore paid under said policy."
"All petitions for equitable relief shall be filed in the county of the residence of one of the defendants against whom substantial relief is prayed." Code, § 3-202. The words "substantial relief" as used in this section mean substantial equitable relief. Wright v. Trammell,
Judgment affirmed. All the Justices concur.