Equitable Life Assur. Soc. v. Trimble

83 F. 85, 27 C.C.A. 404, 1897 U.S. App. LEXIS 2071
Court of Appeals for the Ninth Circuit·Decided October 4, 1897·No. No. 367·Published·Cited by 5 cases

Opinion

ROSS, Circuit Judge.

This suit was brought upon a policy of assurance issued by the plaintiff in error, a New York corporation, upon the life of one Edward! H. Fleming, a then resident of Fresno county, Cal., payable upon his death to his wife, Sallie F. Fleming. Edward H. Fleming having deceased, the suit was begun October 17, 1895, by the beneficiary named in the policy, under the name of Sallie F. Redding; she, subsequent to the death of Fleming, and before the institution of the suit, having married one Redding. Thereafter, [86] to wit, February 3, 1896, upon suggestion to tbe court below of tbe death of Sallie F. Redding since tbe beginning of tbe action, and upon tbe production of letters of administration with tbe will annexed granted to William P. Trimble upon tbe estate of tbe deceased, Sallie F. Redding, tbe court, on tbe application of the administrator, made an order permitting him, as such administrator, to prosecute the action, and substituting him as plaintiff therein, of which due notice was given tbe defendant’s attorneys. Tbe trial of tbe cause resulted in a judgment for tbe plaintiff. Tbe main point presented and argued on tbe part of tbe plaintiff in error is that tbe policy sued on was not a New York contract, and therefore not governed by tbe New York statute in relation to life insurance companies. Tbe facts in relation to that question, it is conceded in tbe brief for tbe plaintiff in error, are substantially tbe same as tbe facts in tbe cáse recently before this court, entitled Equitable Life Assur. Soc. v. Nixon (81 Fed. 796), which case was decided by this court at tbe last term against tbe contention of tbe plaintiff in error. Under tbe ruling there made, tbe policy sued on here must be held to be a New York contract, and therefore governed by tbe statute of that state, which is as follows:

“Section 1. No life insurance company doing business in the state of New York shall have power to declare forfeited or lapsed any policy hereafter issued or renewed by reason of non-payment of any annual premium or interest, or any portion thereof, except as hereinafter provided. Whenever any premium or interest due upon any such policy shall remain unpaid when due, a written or printed notice stating the amount of such premium or interest due on such policy, the place where said premium or interest should be paid, and the person to whom the same is payable, shall be duly addressed and mailed to the person whose life is assured, or the assignee of the policy, if notice of the assignment has been given to the company, at his or her last known post-office address, postage paid by the company, or by an agent of such company or person appointed by it to collect such premium. Such notice shall further state that unless the said premium or interest then due shall be paid to the company or to a duly appointed agent, or other person authorized to collect such premium within thirty days after the mailing of such notice, the said policy and all payments thereon will become forfeited and void. In case the payment demanded by such notice shall be made within the thirty days limited therefor, the same shall be taken to be in full compliance with the requirements of the policy in respect to the payment of said premium or interest, anything therein contained to the contrary notwithstanding; but no such policy shall in anjr ease be forfeited or declared forfeited or lapsed until the expiration of thirty days after the mailing of such notice: provided, however, that a notice stating when the premium will fall due, and that if not paid the" policy and all payments thereon will become forfeited and void, served in the manner hereinbefore provided, at least thirty and not more than sixty days prior to the day when the premium is payable, shall have the same effect as the service of the notice hereinbefore provided for.” Laws N. Y. 1877, c. 321.

Tbe decision of this court in tbe Nixon Case is also conclusive of tbe second point made by tbe plaintiff in error in tbe present case. As there said:

“The statute of New York prescribes the condition upon which a policy may be forfeited for the nonpayment of a premium. The statute is mandatory, and controls the contract. Its provisions are not subject to be set aside or waived either by the company or the assured, or by both together.”

Tbe third point made on behalf of the plaintiff in error is to tbe effect that the filing of a supplemental pleading showing tbe trans[87] fer of the original plaintiff’s cause of action to the substituted plaintiff was essential to a recovery by the plaintiff, Trimble, as administrator. No authority is cited in support of this position, and we do not think it well taken. Section 955 of the Revised Statutes provides :

“When either of the parties, whether plaintiff or petitioner or defendant, in any suit in any court of the United States, dies before final judgment, the executor or administrator of such deceased party may, in case the cause of action survives by law”, prosecute or defend any such suit to final judgment. The defendant will answer accordingly; and the court shall hear and determine the cause, and render judgment for or against the executor or administrator, as the case may require. * * * The executor or administrator who becomes a party as aforesaid shall, upon motion to the court, be entitled to a continuance of the suit until the next term of said court.”

In Wilson v. Codman’s Ex’r, 3 Cranch, 205, 207, Chief Justice Marshall, in delivering the opinion of the court, said:

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Equitable Life Assur. Soc. v. Trimble, 83 F. 85, 27 C.C.A. 404, 1897 U.S. App. LEXIS 2071 (9th Cir. 1897).

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