American Insurance Union v. Coward

FOSTER, C.

The parties in this action will be referred to as they appeared in the trial epurt.

The plaintiff, Wm. W. Coward, comm'e-nced chis action against the defendant on a fraternal benefit certificate in the :sum of $1,009, issued by the defendant to Annie Y. Coward, wife of the plaintiff, who died January 21, 1926. The certificate contained a provision that, upon application of the assured and proof of total disability, and upon surrender of the policy, the assured would receive one-half the face of the policy.

Annie V. Coward originally held a certificate in the Fraternal Insurance…