| Mo. Ct. App. | Jul 9, 1910
This action is based on a benefit certificate of life insurance issued by John E. Walton on the 8th of October, 1897, payable to Martha, his wife. He died on the 5th of October, 1905, and his wife died about three years afterwards. This plaintiff is the administrator of her estate. There was a trial and verdict for defendant, but the trial court granted a new trial and defendant thereupon appealed from that order.
The defense is based on a claim of forfeiture of the certificate for non-payment of dues. It seems that deceased’s dues were taken care of by the lodge for a considerable period, when on the 3d of June, 1904, he received a letter from the secretary of the local lodge in which, among other things, was the following: “Don’t you feel as though you and the boys could do something by this time; the lodge here feels as though you could. We have carried this a long time for you. If you will commence to carry it from now on and pay something on the back occasionally he will stay with you.” In a few days thereafter (June 14th) he received another letter in which he is asked to send dues for May and June, or at least for June, which would be $2.70. Deceased answered that letter on July 5th and sent $2.70, payable to the secretary, which found its way to the treasury of the general council in due course. Defendant claims that deceased’s suspension appears on its
Defendant’s by-laws required that a member should, be notified of his suspension, and what is termed a notice, under this provision, was not given to deceased until August 4, 1904. It reads:
“In compliance with Chapters 6 and 8, Revised Edition 1903, Laws of General Council, this notice is mailed to remind you that the reports received at this office from your Local Council No. 356 show you to be in arrears for assessment No. 5. Fearing that it may be an oversight on your part, this notice is sent to advise you of the importance of being prompt in the payment of your assessments, as your protection ceases at date of suspension.
“Trusting you will give this your immediate attention, I am,
“Yours in L. C. F. & J.
“T. J. Edmonds,
“General Secretary.
“P. S. By suspending you are the loser. Don’t do it.”
Courts do not look upon forfeitures with favor, and bearing that rule of law in mind, we feel constrained to say that this paper is not a notice of forfeiture. It merely calls attention to his being in arrears, and its terms do not admit of a construction of notice of suspension. The postscript can certainly mean nothing less than that he is not yet suspended. It seems, however, that deceased accepted such notice as a suspension, as was shown by his letters. In a letter of August 9th, he wrote to the general secretary in response to the above notice of August 4th, and expressed surprise that it should have been sent. Stated he had been unfortunate in getting behind and that he had made an agree
We think a fair interpretation of the conduct of defendant’s officers with deceased in connection with the rules and by-laws, is that even though we should say that deceased was notified that he was suspended, yet there was no rightful suspension. In answer to the request of the secretary of the lodge, he sent his dues for June and yet in that month he was afterwards entered as suspended. The record shows there could not have been a rightful suspension at that time. He paid with the understanding that he would pay future dues promptly and liquidate back dues, which the lodge had been carrying, as rapidly as he could. It is clear that he did not desire to quit the association on 1 ugust 9, 1904, the date of his.last letter, and that no valid forfeiture or suspension had been taken up to that time.
The order granting a new trial will be affirmed.