McElfresh v. MacCabees

Hatcher, Judge :

In the jmar 1894, Joseph McElfresh, aged 48 years, obtained a life insurance policy of $3,000.00 from the Maccabees, a fraternal and beneficial order. The initial premium was $2.70 a month, but the policy was subject, by express agreement, to the laws of the order then in force or thereafter adopted. The premium was raised in 1901 to $3.60 a month, and again in 1904, when the insurer proposed an increase to $7.20 a month under what it termed a “Whole Life Plan”. This proposal was accepted by McElfresh, who waived certain benefits to obtain the rate. What Judge Tucker said of…