127 F. 541 | 6th Cir. | 1904
Benjamin F. Champe became in September, 1881, a member of the fraternal and beneficial order known as the America^ Legion of Honor, and, as a “companion of the sixth degree,” took and held, from that time on, a benefit certificate or insurance policy of $5,000, payable on his death to his wife, the plaintiff below. He died January 8, 1902, and this suit was to collect the full amount due on.this certificate. The defendant below, having tendered $2,000 when the proofs of death were filed, resisted the payment of any further amount on the ground that in August, 1900, át a meeting of the supreme council of the order, at which the deceased member was present by the representatives from his state, a by-law, known as “By-Law 55,” was adopted, which reduced the amount to be paid on any benefit certificate of more than $2,000, whether theretofore or thereafter issued, to $2,000, and that the deceased, being duly notified of the passage of this by-law, agreed to and acquiesced in the same, and from October 1, 1900, when it took effect, paid his dues and assessments on the basis of a $2,000 certificate. For replication, the plaintiff below submitted that by-law 55 was illegal and void, and averred that her husband had never agreed to, or acquiesced in, the same, but had protested against the attempt to cut down his policy without his consent, and had paid the assessments on the lower basis only because they were the only assessments he was required or permitted to pay. At .the conclusion of the evidence, the court declined to direct a verdict for only $2,000, and instructed the jury that by-law 55 was invalid and void, but left'it to the jury to say whether the deceased member had' agreed to, and acquiesced in, the change of his certificate from $5,000. to $2,000. The jury found in favor of the plaintiff for the ■full amount, and, the, court having declined to set aside the judgment, the case is here on error; the assignments going to the refusal of the court to instruct as requested, and to the admission of certain testimony bearing upon the question of acquiescence.
When Champe got the notice, in September, 1900, that by-law 55 had been passed, and future assessments would he received only on the $2,000 basis, lie was naturally deeply concerned (his health being then impaired); and he consulted his wife and brother-in-law, Stablman, and, with their knowledge and approval, along with the new assessment of $7.44 on the reduced basis, transmitted by mail (as plaintiff- claimed) to the collector at Boston the following letter:
“Nashville, Tenn., Oct. 29, 1900.
“Mr. Ij. B. Poole, Collector A. L. of II., Boston, Mass. — Dear Sir: Enclosed find money order for $7.41, being all that I am permitted to pay on my benefit certificate of $5,000 (which I refu.se to surrender). The payment being made upon the basis of $2,000, but in paying it I do not ratify the action of the Supreme Council, A. Ij. of II., in reducing the amount of my benefit certificate of $5,000 to $2,000, but 1 pay the $7.4.4-, being all that I am required or permitted to pay.
“Very respectfully, [Signed] B. E. Champe.
“Ene.”
It was admitted by the defendant'that on October 29, 1900, the date of the letter, there was issued to B. F. Champe, at Nashville, a money order for $7.44, payable to “H B. Poole, Collector A. L. of H., Boston, Mass.”; and Miss Poole, the collector, testified she received this money order, but she was unable to say whether she did or did not receive the letter. She would not, however, swear that she did not receive it. Mrs. Champe testified that her husband brought her a press copy of the letter, the signature to which she identified as his, and told her that he had mailed it with the assessment. Stahlman testified that the deceased consulted him, that the letter was written in conformity with his suggestion, and that he saw the original. The
It is also urged the court erred in admitting a letter written by the supreme secretary of the order to the collector of the council at Knoxville. This letter was written November 8, 1900, immediately after the receipt of the first assessment collected under by-law 55. The collector at Knoxville had accepted and transmitted certain assessments in excess of what was due on the $2,000 basis. The letter denounced his action as illegal, and directed him to return the overpayments immediately ; stating that, since the fixing of the maximum death benefit at $2,000, assessments in excess could not be accepted. The letter was introduced solely to show the position taken by the general council with respect' to the receipt of assessments after by-law 55 went into effect. The court did not err in admitting it. Such being the rule laid down by the supreme authority of the order, it was not necessary, and would have been a vain thing, for the deceased to tender amounts in excess of the assessments required. Supreme Council, A. L. of H., v. Orcutt, 119 Fed., 682, 687, 56 C. C. A. 294.
The judgment of the court below is affirmed.