,,..:.;‘..._ :” * “., 43 r: ‘

. - .’ -...:..s **OFFICE OF**  **THE ATTORNEY**  **GENERAL OF**  **TEXAS AUSTIN**  **~ROVERSELLERS** ***It*****“HLY GENLIIAL** 

Bmnomono~ 0. P. Lookhart

--- Board of InsuranoeCollmliarion8rr Austin, Ttxar

**ptar Sir:** 

policies to persons **n mtmbtrs**  holdirq iit otrtitlcotts,

ion to pour lttttr of 3bm &ion and rtqutstirAg **the**

. Also in your letter you such aooltty may issue health II (a) vhost llvts are l.nl3ur.d em art not 80 Insured.

polloltsvithout death btntflts?

Artiolt 4320, Vernon’s Annotated Civil Statutes, provides;Bmblt 0. P. LooMart, P8gt 2



### “Art, 4820. ?mtou1 Btnofit Sooioties D@fLWd 

### Aa7 oorporatioa,

l oolot7, 0rd.r or rolulak~ 8ssoolAtloa, tithout 

### aaplkl stook, 

### cwgaal&d aad oarlod oa 501.17 so? the mutual bolmtit of Its mom

### horsrti 

### ttwir btwfloisxlos, ud not for profit, l bd bvlag 8 rod@ 5 tom madlwpnsontatlvo form of govoammtat,or vh oh lirits its msabeship to l r soortt fratoralt7 haviag a 1-o s7stem Md r.pr.- sentstivo fora of gwtrnmtnt, rad vhlob shall make provision for the payment of btntflts in sooordmoo vith 

### btotion 4 

### hsrtof, is horob dro1ar.d to k l Frsttrnal Btnoflt Soolotj.” Arfiolo 4824, v. A. c. 9. providmsr

‘Subseo. 1. tvor7 5001tt7 traasaotlng bu8aless under this Aot shall 

### provldo for tht psymtnts of btneflts uponthe death of Its members l lthor vlthln 4 tw m 

### of pars or

### at any ttmt, l kd ~7 provide for bemilts pa-b10 upon its mtmbtrt rttohbg sovont7 

### ytsrs of tgt, end ms7also provide, **for** tht payment of bamflts 1x1

owe of total mad

ptrmaruntdisability, and -7 provide also ior the pa t tht tvont of ttmporaq dlsrblli rof benefits in 7 and for monumtnts or tombstonesto tht mamor7 of its **dootsstd** mombors, aId for **tht** 

### prpwat or funtnl btntfits.

**‘ Subsoo.**  **2. An7**  **soolot7 mm7** a100 

### sntor into oontrrots la suoh othtr 

### forms and granting suoh btneflts as its lrvs ma7l uthorixe vhon it shall provldt for the l

ooumlatioa and mint-o of assets roqulmd for tho pqment of pooh

### boatfits vhtn valued uponan lntrrost bssis sot 

### l xoeeding 

### r0t.w (I$) ptr otnt ptr 

### tnnumtnd mortalit staadl rds sdopted b7 it vlthin the llmitatlons proridad la the ststutos **rtlating** to FMtWn81 

### Boatilt **Sooiot~os,**

or 

### rt tho option of the soalot7 la tht st8tutos relstitq to lift lasulwlot OoallpMits.s Artlolt 4825 of said sktutt, provldotr Vhat any mtonul Beluflt Sooloty l uthorlrod to do busintss ln this Statt me7

### prwldo in lto lavs,gonorrblt 0. P. ~ookhwt, page 3

in addition to 0th~ bentilts providtd 

### for thoroin, for Iasuunot, umult105, or for i~uruaoo and aanultiss, \Iporr

the llvos of ohildren at w l uponthoQVplIoatIonof sa#adlAltpenonnatodY' to or Iatonoted la uld ahlld as the lws of suoh 

### soolot7 m7 prwlde. 

### Aq suoh soolet7 r7 at Its optioa orgaalso a& opt?ae b=noho~for,8uohohIldron and mmbe~shl 

### thortla oh11 

### aot & la looal ledges, upd laltLItian NquIrodofmaohohildron,noz ah11 th.7 ht. a4 voIoe In the mMgom.nt of th. 

### 5001tt7."
follovsr Artlolt 4834 

### of said statute prwldu in psrt as

"IWry osrtlfloato issued w a4 suoh sooloty rhll speoiiJ t& amountof benefit **$rovidod** thereby, erd 8hll provldo t&t ths otrtlfleate, the ohartor or l t10105 of lnooxpolutIon or, If a voluntary assooiation, ths rrtiolos of 4rrsooI4tIon, the oonstltutlon a4 lava of the sooIot7, sld the 

### l ppllar;tIon for membershIp

end modIon 

### l

xamInatlon, 

### signed b7 tht spplloant, bnd all amendments to oaoh theroof, shall constltutt the 

### l

grttmtnt

betweentht sooltt7, dad tht me&or, and ooplts of tht samo, oortlflod w ths storttsry of tht soolot~, or oomspoodiag offlotr, ah411 bo rooolvod In ovldtnoo of the tenw a.M oonditlons thtnof.

. . " Artiole 4838 of **said** statuto relating to and authorIsIng tht organIsrtlon rad fonmtlon of fntornB1 DamfIt 8ooIo8Its oontains tht provision “vhan a4 domtstlo sooloty shall bvo dlsoontinuod business for the poxWd of one yur, or bar loss than four hundred mtmbtrs, Its ohutor shall koomtnull and void.' A sImIlar provlslon oontalnod in Artlolt 4852 rtlatIng to the 

# l xa$artIon of suoh domestio soolotlos, oontslns the provision,

. . . 

### or vhonevoruty domostio sooltty, sfttr ths ucistenoo of ona 

### psr or more, shall hrvo a mamborshlp ot loss than **four** hundred,

. . . said Comslssloaer 887 pnstnt the faots nlrting thento to the Attomw Otnowl,

. . ."

Vohavt 

### quoted **rbwotht** ~torIalrrtlolos OFprovlslons thtroof 4oomod ~ooasary In an8wHngEcmorsblo0. f. lnokbart, Psgt 4



### -tomal Baafit SooIot7 opmtlry 

### U&OFChapter 

### 8, Title 

### 78 of arid 

### statutes Is 

### on. vhloh mkes prorislan 

### for tho pmnt #f bumfIt in 8000rdaao@tith the pFovi51mo of ArtInSle4824,

Furthar, wla soolot gzit of Ifs yllbrr) ud T Is 0aml.d OQ501.17 for th. mltua1 he* buamfIoirrI~s. The last above quoted rrtiolm prorides that suoh ~oolotiu awl prwldo for the p8 t death Of I~b@rS. Addltl~l Et of hawflts m tb fits law thozwftw de;;gmted but 

### uoh ipllovlng the use of ti vords -2 or mzm -* It Is a fsmillar ml0 of oanrrtruotlontMt vhem both swul8torp and dlreotom verbs are us02 in tho saw sktuto or stnttnoe of a sfiatute, It Is l faIr iaferuaoa that the kglslsture rwlirod tho dlfforsnot In moanlag, arnllntondod that tho verbs used should oarry vlth them their 

### ordlorry maaaings, Su$u#land Statutory Construction, Vol. 3, Par. 582l, P. 116,

. In 1917 the 35th Leglslaturo passed an Aot dtslgned to proride vhole faaiIl7 proteotlon for members of Fraternal BentSIt SooIetl~s. Scotlon 1 of thst hot rovidod such soolet7 authorlsed to do busImss in ? that l ng his State or oporsting oa tht lodge plan ma7prorldo in its oonstltutlon and b7- lmrS# 'In sddltlun to other benefit8 **prwidod** for thorda, for tht psymontof duth or annuity b@ofit uponth+ liras of ohildry bdivttn age5 of tvo 5.d tightoui pm5

. . ., 

### rw who50 support ud mlntexnnoe s member of suoh soolef (AI%. 4825, 8. C. s., 1925) This Art1010 ns 3 Is ~spcuulblt." ater l mdod b7 ths 41st Liglslatw, 

### Aots 1929, vlth the rtatod purpose Of 1Utm~lIaiag juvanlle benefits and as unmxlsd, rwds so rbovo

. WhereCozxsorl7,the LegIslrtuve axtondodtho authority of oertsin sooIetIos to prwId8 for the pqment of duth OSumuitf benoflts upontha llvos of ahlldrmnbetveon the ages of tvo aad elghtoon 

### para of mmliflod 

### mamborsour w&~~s~t~o~~,; ypgJ$y&qpgg$f q$g&gg 

### mnulties, or 

### for lnsuranoo 

### sndsmmitios, upon llvos 

### of 0hIldrZ '~p$&~&t%~p%$t?$ !z %%a?%~~~~r%dt.mRaorrblo 0. P. Loolchti, Psgo 5

. It ir qp&rupt from the fobs tm Logisl~tw, iaaofrr as the lmfs 0 r lng wathorlties tbt the sooIot7 mm7

proddo, brr **orde** no dIstInotlon ktvooa juvotiles of say age and sdult msmbrs. ~*xwaFO,urox8mIMtIon of the 0rigLnrlAot of 19lS, dlsol~~es that buwfiol~l membership in l ny suoh soolety ~5 l 

### xto~iblo to any porsoa not 1055 than **slxtun** l ndnot mo re

than sixt7



### yurs of ago. 113, 800. 7) This provtsloa, 

### hovwor, ns repulod by the rots of 1931, 42rd Leg., ch. 48.

~XA thh 5me A0t 0f 1931 vtriahmthd 800ti0n 7 0s tht origin81 l4v, the right 0s juvtnil0 membership is ~oq&td ir, the r0iiovi~ lmguago 940 mtmber uador sixtwn &a*, l voioe or tot.In tba nw mgwsat of ala 5o od.a J. r= 4822, V. A. C. 9.) (kt.

Ansmrbg the questions propounded,thortfoxw, It 15 our 3 lnloatbtaFntozmalB080flt

, ~~~~~83 Tit10 78, 

## V. A. C. s., Soaloty operating under is not l

uthor1z.d to Irsuo rooldont pollolts to p8rsoas not mtmbers of the The ttnu 

### "mtmber5"msy iaolude l juvuxllt 0s any agt aliglbl; und#r the 1~s of tht society.

It neotss~rll~ follow, in vlm~ 0s the r02-t that the 

## term

‘fourhundredmembers” wed in Artlole foing,

838, 8totion 4 ad Artiole 4852, R. C. b., 1913, -SOUP hundred members

holding duth banefit oertlfloatu to ths oxolusion of cry other ~OXWLL