Locomotive Engineers' Mutual Life & Accident Ass'n v. Higgs

Appellant is a' voluntary fraternal association incorporated under the laws of Ohio having a lodge system and representative form of government. It issues membership certificates which make provision for the payment of benefits upon the death or injury of its members.- Appellee William H. Higgs became a member in appellant association in 1871, and was given a certificate of membership providing for a benefit of fifteen hundred dollars payable to said Higgs or certain beneficiaries named in the certificate. He was also at the same time given another like certificate calling for an additional…