Berryhill v. Supreme Tribe of Ben Hur , 167 Mo. App. 530 ( 1912 )

ELLISON, J.

This action is on a benefit certificate of insurance in favor of plaintiff, the surviving husband of the insured. The judgment in the trial court was for the plaintiff.'

The trial court directed a verdict for plaintiff, and the principal question is whether the evidence as to payment of dues justified that instruction. It appears that deceased took out the certificate of insurance, dated October 17, 1908, and that she died on January 19th thereafter, being a little over three months. Dues were payable on the first of each month, but the member had, as days of grace, up to the 25th of each month,' until which time she remained in good standing, but if not then paid the certificate became void. It is conceded deceased did not pay for January, but' having died on the 19th of that month, six days before the 25th, she was therefore in good standing if she paid for the month of December preceding. There was somf confusing evidence as to whether a certain receipt for dues had been altered, but on the fact of payment for December the record leaves no room for- doubt. Defendant’s secretary, who collected the dues, was a witness for defendant and her testimony was explicit that the dues were paid from November 25 to December 25. The next dues were payable January first, but her days of grace did not expire until January 25, and she died in the meantime. She therefore died in good standing and the amount of the policy was then due her beneficiary.

It seems that, difference of understanding of her testimony arose between counsel while she was testifying and she was therefore had to state and repeat that deceased paid her dues. She said that in joining the lodge in October her dues were paid up to November 25; and.that she receipted her November 25, not for back dues, but for dues up to December 25. She then repeated this in answer to other questions after being warned that the desire was to avoid all misunderstanding of what should be considered her testimony. She said she gave the receipt in payment from November 25 to December 25, and that she “wanted to stand on that.” The trial court could do no less than accept the proof as thus offered, and was therefore right in directing a verdict for plaintiff.

There is no valid objection to the form of the peremptory instruction for plaintiff. The face of the record concedes that plaintiff was entitled to recover the face of the certificate and interest thereon, and the jury were directed to calculate the amount of such interest. [Kroge v. Modern Brotherhood of America, 126 Mo. App. 693.] The authorities cited by defendant on this head are not applicable.

On the record the judgment was manifestly for the right party and it is therefore affirmed.

All concur.