49 Ind. App. 535 | Ind. Ct. App. | 1912
This appeal is taken from a judgment recovered by appellee in the Warren Circuit Court upon a contract of insurance alleged to have been entered into by her husband Thomas Marion Bailey and appellant, wherein appellee was tlie beneficiary, and whereby appellant agreed to pay $1,000 to her on the death of the assured.
The complaint is in two paragraphs, to each of which a demurrer for want of sufficient facts was addressed by appellant and overruled by the court. These rulings are called in question by tlie assignment of errors.
The first paragraph of complaint does not allege that any certificate or other written contract of insurance was issued
This paragraph alleges that the application of Thomas Marion Bailey for membership in the endowment rank of appellant order was approved on April 11, 1905, and that a certificate of membership was that day issued to him, which certificate is filed with this paragraph as an exhibit. As the objections before referred to are the only ones urged to this complaint, it will not be necessary to set out in full the averments of the pleading. The certificate of membership filed as an exhibit refers to the application, and states that the membership of Thomas Marion Bailey in the endowment rank is based on evidence received that he is a member in good standing of a subordinate lodge of the order of Knights of Pythias, and on the statements and agreements contained in his application, bearing date of March 29, 1905, and the statements therein certified by him to the medical examiner, which application is filed in the office of the board of control of the endowment rank and made a part of this contract. Appellant contends that as the application is referred to in the certificate and made a part thereof, it became and is a part of the written contract of insurance, and that it should be set out as an exhibit, to be considered and construed together with the certificate of membership for the purpose of determining the legal effect of the contract. The courts of this State have frequently held that the application for insurance, when referred to in the policy, constitutes a part of the contract. Standard Life, etc., Ins. Co. v. Martin (1893), 133 Ind. 376; Mutual Benefit Life Ins. Co. v. Miller (1872), 39 Ind. 475; Cox v. Aetna Ins. Co. (1868), 29 Ind. 586.
While the decisions cited hold that the application constitutes a part of the contract of insurance, and that facts therein stated may be relied on as a defense, they do not
Section fifty-two of the by-laws, set out as an exhibit to this paragraph of complaint, is as follows:
8. “All applications for membership must be sent to the secretary of the board of control direct, aceompanied by the required membership fee, first monthly payment and first instalment of annual dues as hereinafter provided. If the applicant is not accepted, all moneys paid by him shall be returned by the board of control. Membership in the endowment rank shall begin at twelve o’clock noon on the day on which the application is accepted by the board of control, and the applicant shall be rated as of his age at nearest birthday.”
By virtue of this by-law an applicant for membership in the endowment rank became a member thereof at noon on
James W. Walker was called as a witness for appellee, and stated that during the months of March and April, 1905, he was general organizer for Indiana, Kentucky and Ohio, soliciting insurance for the Supreme Lodge Knights of Pythias. The certificate of membership issued to 'Thomas Marion
If there were some evidence tending to show that the certificate of membership was received in Indianapolis on April 12, the inference could be properly drawn that it was written on April 11 in Chicago; but if this testimony stood alone, uncontradicted by any other evidence, it would not be sufficient to support a finding that this certificate of membership was received in Indianapolis on the morning of April 12.
The judgment is reversed, with directions to grant a new trial.