State ex rel. Boogher v. New York Life Insurance

Philips, C. This is a proceeding instituted by the circuit attorney of the 8th circuit, in the name of the State, to recover of the defendant, a foreign insurance company, the penalties prescribed by the 43rd section, article 3, page 777, Wagner’s Statutes, for transacting in this State, the business of life insurance, without the requisite certificate. The answer, in substance, pleaded that for a number of years the defendant had, through its agent, been continuously engaged in the business of life insurance in this State, and ever since the establishment of the insurance department of the State. That during the time aforesaid, and ever since, it had been perfectly solvent, paid all licenses exacted by the State, and complied with all its local laws respecting such business: “ That on numerous occasions in said period, owing to the time required for the preparation of the tabulated statement of all the business transactions of the defendant during the preceding year, the completion and filing of said annual statement was delayed beyond the period of thirty days, from January 1st following; but that on all such occasions, [92] the superintendent of the insurance department of the State of Missouri, being satisfied of the continued solvency of said company, and of the preparation of such statement, did acquiesce in, and assent to the continued transaction of its business by this defendant; and that on each occasion, on the filing of said statement, the same was received and accepted as a due compliance with the law by said company, and a renewed certificate of authority to do business thereupon issued to this defendant. That in the year 1878, the completion of the annual statement was thus delayed until the 14th day of March, 1878, and was filed on that day, and that on the 11th day of March, 1878, ivas filed the valuation of the policies of defendant, according to the laws of Missoui’i, and that ¥m. S. Relfe, the superintendent of the insurance department of the State of Missouri, being as theretofore, satisfied of the continued solvency of this defendant, and of its ability to perform its engagements, did assent to such delay, and its continued transaction of its regular business as theretofore, and did receive and accept the aforesaid statement and valuation, and cause the same to be duly filed as due compliance with the law; and did thereupon, to-wit: On the 22nd day of March, 1878, issue to defendant a renewed certificate of authority, to transact business for the said year of 1878, and defendant states that all taxes, license, fees and charges assessed against this defendant, for said year 1878, and for its continued transaction of its business during all of said year, were duly paid, and that all of defendant’s business in this State during said year, was done under the authority, and with the assent of the insurance department of the State.” To this answer the plaintiff demurred. The demurrer being overruled, the plaintiff stood on the demurrer, and after judgment rendered on the pleadings for defendant, the plaintiff" appealed to the St. Louis court of appeals, where the judgment of the circuit court was affirmed. Erom this the plaintiff has brought the case here on writ of error. In the case of State ex rel. v. Charter Oak Ins. Co., 9 Mo. [93] App. 364, the court of appeals held, that the penalties prescribed by the section of the statute in question, are visited upon the resident agents of the foreign company, and not upon the foreign company. The construction therein given to the statute is re-affirmed by that court, in the opinion delivered in this case. After a careful reading of the said opinions, we are satisfied with the conclusion reached by the court of appeals, and, therefore, adopt the opinion, in its conclusions, in this case. ¥e also concur in the opinion delivered by Lewis, J., on the motion for rehearing, as to the construction placed upon the decision in the case of State v. Matthews, 44 Mo. 523. Speaking for myself, I am satisfied that the matters pleaded in defense by the answer herein, constitute a good defense to the action. But as the other point decided is conclusive of this case, it is not deemed necessary to go further in the discussion. The judgment of the circuit court and of the court of appeals is affirmed. All concur.