Gruberski v. Brotherhood of American Yeomen

Holt, J. A recovery was had upon a benefit certificate issued by defendant, a fraternal beneficiary association. Defendant moved in the alternative for judgment non obstante or a new trial. This appeal is from the order denying the motion. [These facts are established: On July 20, 1918, Mary Gruberski made ■a written application to defendant for a $1,000 benefit certificate in favor of plaintiff, her brother-in-law. She was examined by defendant’s medical examiner August 1, 1918, and her ahswers to certain questions relative to her health, physical condition and family history, were by him inserted in the application. On September 19, 1918, the certificate was delivered to her, attached to which was a copy of the application with her answers to the questions mentioned as written by the medical examiner. A fully developed child was born to M.ary Gruberski on November 15, [51] 1918, and a month thereafter she died. There is no claim that the childbirth or pregnancy caused or contributed to her death. It is conceded that her answers to the medical examiner were warranties, which if untrue made the certificate void. The application contained this question: “Are you pregnant?” The answer thereto, inserted by the medical examiner was: “No.” The whole defense is rested on the falsity of this answer. The court in substance charged the jury that, under the law governing’warranties made by an applicant for membership in -a fraternal beneficiary association, there could be no recovery if Mary Gruberski gave that answer to the question. Farm v. Royal Neighbors of America, 145 Minn. 193, 176 N. W. 489. It is contended that it was not open to plaintiff to prove that she did not give this answer, because, upon the receipt -of the certificate, she, under her -hand, indorsed thereon that no change had occurred in her condition -as set forth in her application, and in the application she had agreed that the statements made therein were to be copied on her certificate and be held to be her statements. Mary Gruberski’s knowledge of the English language was very limited.- She could not read it at all, nor could she write her name. Her signature was by mark. There is evidence that the examination was had through an interpreter, defendant’s -soliciting agent; also that she answered the question mentioned in thfe affirmative instead of the negative. On the other hand the doctor testified that no interpreter was used, -and that she did not say that she was pregnant. The doctor took her waist measure, and it is passing strange that he should not have noticed her condition, being then five and a half months advanced in pregnancy. Hnder this state of the record, we' think it was for the jury to say whether -or not the answer as written by the examiner was her -answer. That the benficiary is- not precluded from showing that the medical examiner, the agent of the insurer, inserted false answers in the application was held in Finn v. Modern Brotherhood of America, 118 Minn. 307, 136 N. W. 850, and Olsson v. Midland Ins. Co. 138 Minn. 424, 165 N. W. 474. Nor do we think the rule applied in New York Life Ins. Co. v. Fletcher, 117 U. S. 519, 6 Sup. Ct. 837, 29 L. ed. 934, should here govern, for it is evident that neither the insured nor the beneficiary could read the [52] certificate or the attached many-paged copy of the application and the numerous confusing questions and 'answers of the medical examination therein contained, and there is no pretence that the same were explained or interpreted when delivered, or at any time. The rule of Stanulevich v. St. Lawrence Life Assn. 228 N. Y. 586, 127 N. E. 315, Adopted by the courts of New York, to the effect that if the application signed by the insured is a part of the insurance contract, and contains any false warranty, regardless of whether it was inserted without the knowledge or procurement of the insured, there can be no recovery, has not obtained in this state. In Reynolds v. Atlas Accident Ins. Co. 69 Minn. 93, 71 N. W. 831, it was said that the insured, by the retention for three years of a policy containing a copy of the application having a false ¡answer to a question material to the risk, must be- deemed to have approved of and accepted the false answer. But there was no showing in that case of inability of the insured to read or understand the language in which the insurance contract was made. In the instant case there was evidence of such inability, -and the certificate and copy of the application containing the false statement was in the possession of the insured less than three months. However, that -such possession and retention without objection does not conclude the insured, as a matter of law, is now settled law in this state. See fifth paragraph of Olsson v. Midland Ins. Co. supra, and authorities there cited. Error is based upon the refusal to give three requests. It is enough to state that the first two, which upon certain parts of the testimony instructs the jury to return a verdict for defendant, could not have been given, for, as above pointed out, it was for the jury to say whether the answer referred to in the application was the answer Mary Gruberski in fact made to the medical examiner. The third related to an issue not made by plaintiff, for there was no claim that payment of dues to Hlanecki waived the right of defendant to rely on the truthfulness of the warranties. The requests for instructions did not present the proposition now advanced that the jury should have determined whether by accepting the certificate, containing a copy of the application, and retaining it without objection, the insured adopted and made the false answer, written by the medical examiner, her own. The court may not have accurately -stated the position of plaintiff as to [53] whether or not the question in regard to pregnancy was put to the applicant, for the evidence tended rather to prove that her condition was stated truly and was so evident that defendant’s medical examiner could not have avoided observing it — but no request was made to state this more clearly or accurately before the jury retired. In no other respect do we find anything in the charge to criticize, nor were any. other specific errors assigned thereon in the motion for a new trial. The admission of the book upon which an alleged agent of defendant receipted for dues, cannot have been prejudicial, for it only tended to prove payment, a fact not denied. The order is affirmed.