Ells v. Order of United Commercial Travelers of America

This is an appeal from a judgment in favor of respondents in an action to recover death benefits under *292an insurance certificate issued by the appellant fraternal beneficial order.

On January 2, 1914 appellant issued an insurance certificate to James Fisk Ells, respondents’ father, which provided that he was accepted as an insured member under “Class A” and as such entitled to all the rights and benefits provided in the constitution of appellant for such insured members. The certificate contained the following provision: “This Certificate, the Constitution, By-laws and Articles of Incorporation…