Hubbard v. Woodmen of the World

The opinion of the Court was delivered by

Mr. Justice Marion.

The respondent, W. R. Hubbard, as a member of Gopher Hill Camp 189, South Carolina, Woodmen of the World, was issued a certificate of life insurance for $1,000.00, dated October 8, 1912, payable to Lila I. Hubbard, beneficiar}!. This was' a “combined benefit certificate,” providing, among other things, that the constitution and laws of the defendant society and all amendments thereof, together with the certificate, should constitute the agreement betwen the society and the insured. The laws of the society provided that every member…