Loughridge v. Iowa Life & Endowment Ass'n

Decision Date17 December 1891
Citation50 N.W. 568,84 Iowa 141
PartiesS. W. LOUGHRIDGE, Appellant, v. IOWA LIFE & ENDOWMENT ASSOCIATION, Appellee
CourtIowa Supreme Court

Appeal from Mahaska District Court.--HON. D. RYAN, Judge.

ACTION in mandamus to compel the defendant to restore the plaintiff's name to its roll of members. A demurrer to the petition was sustained, and, the plaintiff refusing to further amend his pleading, judgment was rendered for the defendant. The plaintiff appeals. Reversed.

REVERSED.

Bolton & McCoy, for appellant.

Haskell & Greer and J. F. & W. R. Lacy, for appellees.

OPINION

BECK, C. J.

I. The petition was filed April 12, 1889, and alleges that the plaintiff is a member of the defendant association, under a policy sufficiently described; that he paid all dues and assessments on the policy, and has fully complied with the conditions thereof; that the defendant made an assessment on the plaintiff's policy to pay a death loss, and notified the plaintiff thereof, the last day of payment being March 30, 1889; that on the twenty-third and again on the twenty-ninth day of March, within the time prescribed for paying the assessment, during the business hours of each day he went with the money to the defendant's office to pay the assessment, but was unable to do so, for the reason that he found no one in the office. On the following third day of April he again went to the defendant's office and offered to pay the assessment, and tendered the amount thereof to the defendant's secretary, who was authorized to receive it but it was refused; and thereupon the plaintiff was dropped from the roll of membership, and his policy declared forfeited by the defendant. It is alleged that these acts of the defendant are fraudulently done, in order to defeat the plaintiff in another action against the defendant, and that the defendant has refused to reinstate the plaintiff, though requested so to do.

On the fourth day of October, 1889, the plaintiff filed an amended petition alleging that he was and is in good health, and the defendant did not refuse to accept payment of the assessment for the reason that the plaintiff was in bad health or over age, but for the fraudulent reason before stated. The amendment contains the following further allegation "That plaintiff is now ready and willing to pay said assessment, and all subsequent assessments that may have been made since defendant wrongfully declared said forfeiture, or that may be made pending the trial of this cause; that plaintiff, on the fourth day of October, 1889 paid to the clerk of said court, F. E. Smith, one dollar, and the same is now in the hands of said clerk; that said dollar was paid to said clerk for the said association, and for said assessment; that no other assessments have been made upon plaintiff, excepting this, which have not been paid. Plaintiff further alleges that, prior to the date at which defendants claimed the forfeiture, defendant had repeatedly received assessments from this plaintiff, and from other parties, more than thirty days after notice had been given, as required under the by-laws, that such assessments had been made; that defendant's secretary, Cyrus Beede, told plaintiff that it was all right if assessments were not paid within the thirty days, and that they could be paid afterwards, without examination, and as if paid within the said time; that said secretary, prior to the date of said alleged forfeiture, has repeatedly taken assessments from plaintiff after the thirty days' notice had expired; that it was the custom of the defendant to take the assessments after more than thirty days had expired from the date of the notice; that twice before said alleged forfeiture plaintiff had suffered more than thirty days to elapse before paying the assessment on his own policy, and also upon policy No. 835, upon the life of Mary E. Loughridge, plaintiff's sister, and also on policy No. 437, upon the life of Austin Gray, and policy No. 436, upon the life of Sarah E. Gray, plaintiff's father-in-law and mother-in-law; that plaintiff was the agent for said parties, and paid their assessments for them, and relying upon the statement of said Beede that assessments could be paid after the thirty days, and upon the custom of the defendant to so receive the said assessments, plaintiff had permitted said policies to lapse, and that said defendant had received the assessments after more than thirty days at the hands of the plaintiff, and as if paid within the thirty days, without examination, and without any steps being taken, except the payment of the money; that plaintiff relied upon the statement and the custom of defendant, as to the payment of assessments after more than thirty days, and believed that defendant would accept his assessment, as it had repeatedly done before, after more than thirty days; that the defendant waived the provisions in the by-laws and policies in reference to prompt payment, and by its course of dealing with plaintiff led him to believe that payment could be made after more than thirty days...

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