Western Union Life Co. of Houston v. Ensminger

103 S.W.2d 162
CourtCourt of Appeals of Texas
DecidedFebruary 19, 1937
DocketNo. 1604
StatusPublished
Cited by7 cases

This text of 103 S.W.2d 162 (Western Union Life Co. of Houston v. Ensminger) is published on Counsel Stack Legal Research, covering Court of Appeals of Texas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Western Union Life Co. of Houston v. Ensminger, 103 S.W.2d 162 (Tex. Ct. App. 1937).

Opinions

FUNDERBURK, Justice.

The parties to this suit, omitting the names of certain individuals as unnecessary to be given, were W. H. Ensminger, plaintiff, and Texas Central Life Association (hereinafter designated TCLA), Mutual Life & Loan Association of America (hereinafter designated ML&LA), Bankers Life & Loan Association of Dallas, Tex. (hereinafter designated BL&LA), Western Union Life Company of Houston, Tex. (hereinafter designated WULC), defendants. Said defendants were state-wide mutual insurance associations or corporations. The TCLA and WULC were the same, the former name having been changed to the latter.

The TCLA issued a certificate of insurance August 5, 1933, to Mollie Ensmin-ger, promising upon her death and upon conditions therein stated to pay to “W. H. Ensminger, beneficiary, $1.00 collected from each member in good standing in this group for said member’s death but in no case shall the amount paid the beneficiary hereunder exceed the sum of $1,-000.” On November 8, 1933, the insured died while a member in good standing. All requirements were duly complied with to entitle said beneficiary to be paid the amount provided in the certificate. On or about December 25, 1933, Ensminger was paid by draft the sum of $46.50, which draft was cashed on or about February 1, 1934, upon representations by the agent of-said defendants — according to the allegations of plaintiff’s pleading — that the draft represented the amount due under the certificate; that the class of which Mollie Ensminger was a member had been dissolved; that no further assessments would or could be made; and that the affairs of the association had been audited and handled in an honest and painstaking manner. Such representations were alleged by plaintiff to have been believed and relied on by him, and to have induced him “to accept said nominal sum of $46.50 in settlement of 'the claims and liabilities under and by virtue of said certificate,” etc. Plaintiff alleged that the said representations were false; “that the said draft did not represent the amount due plaintiff, but that the plaintiff was entitled to the full face value of his certificate, to-wit, the sum of $1,000; that said class had not been dissolved, but that on the contrary, more than 600 members of the Texas Central Life Association were bodily sold, transferred and delivered to the Mutual Life & Loan Association for, and in consideration of, the sum of $2,500. Also, that the defendant Texas Central Life Association qualified under the law known as House Bill 303 (Acts 1933, c. 245 [Vernon’s Ann. Civ. St. art. 4859f]) on February 7, 1934, and in order to qualify under the law, 'was required to' have at least 500 members; that all of said representations above set out * * * were false and made for the purpose of settling or attempting to settle the liability under and by virtue of said policy with the plaintiff for a nominal sum * * * ; that the plaintiff relied upon and believed said representations made by him, the said-Mixon, [alleged agent of the defendants] to be true when he cashed said draft and was thereby deceived and defrauded out of the balance of the money due him under and by virtue of said certificate unless this alleged release set up by the defendants is set aside.” (Italics ours.) As grounds for avoiding the settlement and release, it was further alleged that, upon the .death of the insured, the policy (meaning the amount of $1,000) became a liquidated demand; that there was no bona fide dispute as to such amount, and the payment of $46.50, in the absence of a bona fide dispute as to the amount due plaintiff, “is without consideration and does not bar recovery of the balance due this plaintiff. * * * Wherefore, plaintiff says that because of the allegations set out in paragraphs Nos. 3 and 4 above, that said nominal settlement release (italics ours) is null and void; that the same should be set aside and held for naught,” etc.

Allegations to show a cause of action against the ML&LA were in substance that about January 8, 1934, TCLA transferred its members to ML&LA; that the latter, on about February 17, 1934, accepted and' assumed the outstanding liabilities of TCLA “under and by virtue of the policies issued by or in force with the” TCLA. (Since no judgment was rendered against ML&LA, any further statement as to it is deemed unnecessary in this connection.)

To show liability of BL&LA, plaintiff’s petition, in substance, alleged that on or about February 20, 1934, BL&LA “accepted the transfer of the membership to it from the Mutual Life & Loan Association of America and issued to all of said members its general assumption, a copy of which is hereto attached, marked Exhibit [164]*164‘E’ and made a part hereof for all purposes as fully as if it were copied herein in toto; * * * that a part of the valuable assets of the Texas Central Life Association, to-wit, the mortuary fund, together with a part of the membership was sold, transferred, assigned and delivered by 'the directors of the Texas Central Life Association to the Mutual Life & Loan Association, as hereinbefore alleged; that by the last named association said assets were again transferred to the Bankers Life & Loan Association as hereinbefore alleged; that among the assets of a state wide mutual insurance association the members and mortuary fund are of the most valuable; that the defendants Mutual Life & Loan Association and in turn the Bankers Life & Loan Association having received said members and mortuary fund from the Texas Central Life Association are liable to this plaintiff and in law are bound and obligated to pay this plaintiff the amount due him,” etc.

Liability of WULC was by plaintiff’s allegations predicated upon the averment that it was the same as TCLA and upon the further ground that it had received a large number of members, the charter of TCLA and $1,000, which the latter had deposited with the Insurance Commissioner as required by law.

Upon a nonjury trial the court gave judgment for plaintiff for the sum of $607.-50, with interest, against WULC and BL&LA only, and denied all other relief claimed by any of the parties. BL&LA brought the case to this court by writ of error, having filed a supersedeas bond. WULC also sued out a writ of error, having filed a writ of error bond without supersedeas.

Defendant in error, Ensminger, directs our notice to the fact that the brief of WULC contains no assignments of error. Our jurisdiction to consider and afford relief against errors of the trial court, other than fundamental errors, is dependent upon assignments of error incorporated in the brief. Clonts v. Johnson, 116 Tex. 489, 294 S.W. 844. See, also, long list of authorities cited in Panhandle & S. F. Ry. Co. v. Burt (Tex.Civ.App.) 71 S.W.(2d) 390, to which list, for the sake of completeness up to the time of said decision, should be added Blackmon v. Trail (Tex.Com.App.) 12 S.W.(2d) 967. No change in this important interpretation of the law was effected by the. amendments in 1931 of R.S.1925, arts. 1844 and 1757 (Vernon’s Ann.Civ.St. arts. 1844, 1757); Lamar-Delta Levy Imp. Dist. v. Dunn (Tex.Com.App.) 61 S.W.(2d) 816. The judgment as against WULC must therefore be affirmed, no fundamental error appearing.

The brief of BL&LA contains purported assignments of error numbered from 1 to 27, inclusive. Assignments of error Nos. 1, 2, 3, 14, 19, 20, and 22 are not attempted to be briefed, and are, therefore, waived.

The ruling of the court alleged in assignment of error No.

Free access — add to your briefcase to read the full text and ask questions with AI

Related

Richardson v. Raby
376 S.W.2d 422 (Court of Appeals of Texas, 1964)
Central Power & Light Co. v. Heder
133 S.W.2d 795 (Court of Appeals of Texas, 1939)
Eaton v. Eaton
129 S.W.2d 343 (Court of Appeals of Texas, 1939)
Sellers v. Great Southern Life Ins. Co.
118 S.W.2d 612 (Court of Appeals of Texas, 1938)
J. S. Abercrombie Co. v. Delcomyn
116 S.W.2d 1105 (Court of Appeals of Texas, 1938)
Vackar v. Gulf Production Co.
113 S.W.2d 686 (Court of Appeals of Texas, 1938)
John F. Clark & Co. v. Morgan
106 S.W.2d 732 (Court of Appeals of Texas, 1937)

Cite This Page — Counsel Stack

Bluebook (online)
103 S.W.2d 162, Counsel Stack Legal Research, https://law.counselstack.com/opinion/western-union-life-co-of-houston-v-ensminger-texapp-1937.