Majority
Headnote
Insurance (§ 776[1] )—Mutual Benefit Insurance—By-Laws.The action was brought to recover $100 alleged to be due the plaintiff by reason of the membership of a decedent in the defendant lodge. Death benefits are paid under the provision’s of the following by-law:
“One year’s membership and the payments for all dues, taxes, and fines having occurred against him, in the event of death, his widow or beneficiary may receive as a death benefit the sum of $100.”
The case was heard on the pleadings and the by-laws, as a matter of law, and no evidence was introduced except a copy of the defendants’ by-laws. The plaintiff sued as an administrator of the estate of the decedent. It appears that he was an uncle of the deceased member. As a matter of law, on the allegations of the pleadings and under the by-laws of the defendant lodge, we do not see how he is entitled to recover. The by-laws specifically state that no recovery may be had except by the widow or the beneficiary of a deceased member. Concededly, the plaintiff’s intestate neither left a widow nor named a beneficiary. The by-laws are a binding contract between the lodge and its members. Hellenberg v. Ind. Order of B’nai Berith, 94 N. Y. 580 ; Hess v. Johnson, 41 App. Div. 465 , 58 N. Y. Supp. 983 .
The judgment appealed from should be reversed, with costs, and judgment entered for the defendant on the pleadings, with costs. All concur.