Sovereign Camp Woodmen of the World v. Heflin

In December, 1933, Sovereign Camp Woodmen of the World issued and delivered to Jesse Heflin a ten-year term-insurance certificate payable to Storman Heflin. Jesse Heflin died April 5, 1937. This is an action by the beneficiary against the insurer on the policy. The facts presented by the pleadings and evidence are substantially as follows: The premiums or assessments were payable monthly, and failure to pay promptly rendered the certificate void. Jesse Heflin continued to make monthly payments of all assessments against him up to January 1, 1936, at which time he defaulted, but on February 10…