Shirley v. Sovereign Camp, W. O. W.

98 S.W.2d 511, 20 Tenn. App. 290, 1936 Tenn. App. LEXIS 26
CourtCourt of Appeals of Tennessee
DecidedApril 18, 1936
StatusPublished
Cited by2 cases

This text of 98 S.W.2d 511 (Shirley v. Sovereign Camp, W. O. W.) is published on Counsel Stack Legal Research, covering Court of Appeals of Tennessee primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Shirley v. Sovereign Camp, W. O. W., 98 S.W.2d 511, 20 Tenn. App. 290, 1936 Tenn. App. LEXIS 26 (Tenn. Ct. App. 1936).

Opinions

FAW, P. J.

Defendant below, the Sovereign Camp of the Woodmen of the World, is an incorporated, nonprofit, fraternal insurance corporation, having a lodge system with ritualistic form of work and numerous local “Camps” in many states of the Union, including Indiana and .Tennessee. Defendant is incorporated under the laws .of the state of Nebraska, with its principal office at the city of Omaha in that state, but, long prior to the institution of this suit, it ha‘d been domesticated in Tennessee pursuant to the applicable statutes of this state.

On August 24, 1925, the defendant issued to Marion H. Shirley (then a resident of the city of Evansville in the state of Indiana, and a member of “Camp No. 26, State of Indiana”), a benefit certificate, styled “Perfected Twenty-Payment Certificate,” by which, upon certain specified considerations and conditions hereinafter mentioned, the, defendant (described in the certificate as “The Society”) contracted that it would pay to the beneficiary under said certificate the sum of $1,000 as a death benefit “upon receipt of satisfactory proof of death of the said member while in good standing, ” and, should such death occur before the completion of the 20-year payment period, the Society would pay to the beneficiary, in addition to the aforesaid sum of $1,000, a sum described as “excess,”' as shown by a “Table” appended to the certificate denominated “Table A.”

The certificate recited that it was issued in consideration .of the warranties contained in the application therefor (a copy of which was attached to and made a part of the certificate), and the payment to the Society of the sum of 54 cents for the month in which the certificate was dated and the payment to the clerk of the camp to which the member belongs, or the sovereign clerk at Omaha, Neb., $2.32 on or before the last day of each month for a period of 20 years from the date of the certificate, including the. month .of expiration, and for the further consideration of the delivery of the certificate during the lifetime and good health of the member as provided by the constitution, laws, and by-laws of the Society.

The certificate provided that, after the payments had been made' thereon at the rate and for the time and in the manner provided therein for the full period of 20 years, the certificate should become paid up, and upon proof of the death of the member the Society would pay the beneficiary the sum of $1,000; but that, “if the payments required by the Constitution, Laws and By-Laws of the Society are not paid by the member, this certificate shall become null and void.”

*293 Anna E. Shirley, mother of the said Marion H. Shirley, was named in the certificate as the beneficiary thereof; but, nnder the constitution and by-laws of the Society, made a part of the contract, the right was reserved to the member to change the beneficiary.

The certificate contains a further stipulation that the Society “will waive the payment of premiums on the certificate, after it shall have been in force over two years, in the event the member becomes totally, permanently disabled before attaining the age of sixty years, as hereinafter set forth and defined in Paragraphs II and III.”

The paragraphs referred to above as paragraphs II and III are as follows:

“II. Total Disability: If, after this certificate shall have been in force two full years, and before default in payment of any subsequent monthly payments, the member shall furnish to the Society due proof that, before attaining the age of sixty, he has become wholly disabled by bodily injury or disease s.o that he is and thereby will be permanently and continuously unable to engage in any occupation whatsoever for remuneration or profit, and that such disability has existed continuously for not less than sixty days prior to the furnishing of proof, thereupon the Society will grant the following benefit:

“Waiver of Payments — The Society, by endorsements hereon, shall waive the payment of the annual or monthly payments which thereafter may become due under this certificate during the continuance of the said total disability of the member. In making any settlement hereunder, the withdrawal equity values of this certificate' shall increase from year to year in the same manner as though any payment waived under this provision had been paid in cash.

“If the Society accepts proof of disability under this certificate it shall have the right at any time thereafter, but not more frequently than once a year, to require proof of the continuance of such disability and if the member shall fail to furnish such proof, or if at any time the member has become able to engage in any occupation whatsoever for remuneration or profit, he shall resume the payment of the rate required by the certificate.

“III. Loss of Sight and Dismemberment Benefit: It is agreed that the entire and irrecoverable loss of the sight of both eyes, or severance of both hands at or above the wrists, or of both feet at or above the ankles, or of one entire hand and one entire foot will be considered as total and permanent disability within the meaning of this provision.”

The monthly payment of $2.32 was paid by, or for, the member (Marion H. Shirley) each month from the date of the certificate *294 down to and including the month of June, 1929, but default was made in tbe monthly payment due in July, 1929, and no payment has been made on said certificate since June, 1929. Said Marion H. Shirley died on November 9, 1932.

Three bills filed in the chancery court of Maury county, and the proceedings had thereunder, are brought up in the transcript for review on this appeal. It is the theory of the appellees that the three bills consist' of an original bilí, an ‘ ‘ amended and supplemental” bill, and a “supplemental” bill. For convenience of reference, we will designate the three bills as first bill, second bill, and third bill, respectively, according to the order of time in which they were filed.

The first bill was filed on August 1, 1931; the second bill was filed on October 1, 1931, and the third bill was filed on March 18, 1933. It is thus seen that the first and second bills were both filed in the lifetime of the insured member, Marion H. Shirley, and the third bill was filed after his death;

In each and all of said three bills the complainants named are the same. They are “William N. Shirley, next friend of Marion IT. Shirley and Mrs. Anna E. Shirley;” and they are described in -the respective captions of said bills as “residents of Maury County.”

It is seen that the suit is brought by “William N. Shirley, next friend of Marion H. Shirley,” and it is alleged that Marion H. Shirley is insane, or a person of unsound mind. The suit should have been in the name of the person under disability, described as suing by his next friend. 14 Ency. PL & Prac., pp. 1049, 1050. “A suit by a next friend must be brought in the name of the infant or non compos, since it is the latter, and not the next friend, who is the real and proper party. The next friend is neither technically nor substantially a party.” Williams v. Gaither, 139 Tenn., 587, 589, 202 S. W., 917, 918; Morgan v. Potter, 157 U. S., 195, 15 S. Ct., 590, 39 L. Ed., 670; 671.

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Bluebook (online)
98 S.W.2d 511, 20 Tenn. App. 290, 1936 Tenn. App. LEXIS 26, Counsel Stack Legal Research, https://law.counselstack.com/opinion/shirley-v-sovereign-camp-w-o-w-tennctapp-1936.