OFFICE OF ‘l-NE ATTORNEY GENERAL OF TEXAS 

AUSTIN 

. . 

i3onorable 0. P. Lookhart, CCalrran ., 

Board of Inauranos C~amlsslonero Austin, Te;ue 

us1 6886sar,ent8 

OS Of thG:A' QbQthe sinounti of the anaid'io periodio int%..oath or tbe>.inur opinion that your reyucot-da frmmd should 

6 negative; but suQh‘kinwer, whcxr oonofderod 

in GOllII6CtitiXI with aozle oz t&3 lW?o 00vorln- zxLtilta1 as8bssxaoni issu+ance xm?.oaint~lozo and oqnpair-..?; !h eubjeot to qualIfloaWons, as will bwqlnaftor bo ehovm. 

All rsfersncoa anda hernin to atntutes'will be to 

Vernon’s Ann~tsteU Revised CIvll Zitatutee of.1925, nnd ecoendnents thereof. 

Artlole SOSS-1 (Chapter 22;Tltie 78)~ agplles to all 

insurance conipanlo8 and easoclations whlah Issue poliolos or 

ocrtiflcetss or insurenob on the lives or per8on8, or provlds 
’ . 

. * 

!:onoreble 2; F. LOCkhnl’t, pclab 2 

hcolth and aooldent beotflta, u,wn the so-osllei nutusl a&686- 

rant plan, or whose Cusxls are derived from the assessrant of 

Its policyholders or memtars, en% applies, ln Ceot, to all 

life, health and tcoident bOq31inle8 or associations nhlah do 

not come within tho provlslans or Chapters 3, 5, 7, 8, 9, 18, 

19 or 20, Title 78, oi the iW~Is~d,CIvll Statute8 oP Texee. 

The term “a5sessmentw, 

,’ titled 08 follows: 

es wed in said law, ls_de- 

**fis8e88zumtt’ ehall Include pr@ilns and moan 

any and all noaey or valuable thins paid in conslderbtlon 0: such Insurance ae.is afforded by thb Qertiriaw.- .A 

The tbrm '9abmbarshlp tee", es used in aaid leu, is 

dofined LLS follows: 

wWi~berahlp fee' shall be tho amomt of the 

first aeGee5ment or b88ebsu!bnt8 permitted by,the 

Board to be plaoed~ln the expense fwd of assoolatlons, repreeentlng coat of solloltiag or proourlng 

the member,. * 

SbotlOn 9 of seld Art1016 15, in part, 88 tollaxs:. * 

n2W3ry polloy or oertirfoate or Insurance 

lasued by an aasoaletlon ahall state definitely 

on the front page the amount or death benerlt to 

be p&id, and the airoum8tanoe8 or conditions under which It shall be paid shall be plelnly 

stated In the pollay. isvery health, scoldeat or 

other benefit shall be plainly stated in the 

polloy, and the terms an4 oondltlone un4cr whiah 

thsy ohs11 be paid shall be stetod plainly in 

the polloy.’ 

SoOtiOn 11 Of eald f&iOlb is, in part, 88 fOllOWS: 

*&oh aseooistlon eha,ll levy ro&illar and 

periodical assessments by whatever name they 

mzy be c~1LeU. These esaeasments rn,uet be In 

such rmounts and et euoh propar intervals Be 

will meet tho reaeonable operetlng expenaee Of 

,, the association, and pay In full the claims 

arfslxg under Its oertlfloates. whan or if In 

the course 0: opsrntlon it ohs11 be apparent 

that the olalxu8 0ennot be met In run mp3 current 
. 

Bonorabl6 3. .P. Lockhart, pa&s 3 

a8ooosmenta and SunSa w hand, the ernount nuet 

-be inoreasbd untll they are adequate to meet 

such clalna, en4 the dosrd ah611 so order.* 

section 13 0r aald f.rtlclc la, in pert, a8 roii0ttf5: 

*Xt is the prlasry purpoao ol- this hot to 

secure to the nembera 0: the aaaooietlona end 

their ben6cllclerlea the full an4 prompt peysent of eU olelnxi according to the fnexlnum 

beneflt provided in tholr cortlrlcotea. It la 

therefore required OF all ~assooletIo,na that 

all olalrna under osrtlSloatea be paid in full 

within sixty (60) days aitor.reoeIpt or due 

proof or 0ia8.* . 

Simtlon 17 oi said krtlole is as followat 

"Ii the payments of 'the ma~bera~ of say 

saaoolatton coming wlthln the acop or this 

hot, on oertlfiuatss issued and in Sorce whcta 

this Act taker effoat., or the rcinaurfinco or :. 

r6ncwala of such C6rtiSlcstca, t&ail prove ln- 

.‘~. sufffolent to pay aatared dsatt: end dkxiblllty olelns la the noxtr,ua tmouat stated la 

such policirs or certificates, an4 to provide 

for the orsatloo and xmlntonnnce or the fuwia 

required by its 16~1, au!! casoalatlon may 

with the epprovcl of the Board of Insurance 

Comi8alonera end ester proper baring before 

said 3oerd provide ror raestlag suoh deflclanop 

by additloael, lncr6err~d, or eftrtt rates or 

peyrnent, or by reduction In tho mxinum beaciits etated La such poliolca or.certlfloster 

then in rorce, or by both euoh laormsed payA8XAtS end re%UOCrb mixlsrm bermfits, or the 

menbora nury be @ren the OptIOn OS aereein6 to 

reduced rrparlmor? bsneflta, or of making lnoreeebd geynenta.a 

-I- We fini nothlag In said P~tiole, the zaaterlal portlona 

or which nre above set out, to prevent the levy of nn annual 

eaassomnt in advance, with provlalon that the amount tb6r6of 

can bo paid in pbrfodical installments, ~0 lOXi& 85 8-h haaO55- 

mento er6 la auoh amuM. as ~$11 met the reasonebb OpWtttIng 

bXpYln888 of the aa8ooistion and gay In cull the 0161~5 arising 

.under 'lta certltIoetsa. This would not apply, howeve:, to a 

nu6mberahlp ree"', but e separate uaaeeament should be made ior 
rioonoroble 2. 7. Lookhart, pa&e 4 

that purpose, or a part or the annual asseeszmt be set aside 

thtrefor. (@&a &t$o&&oes nOt,,.sUth.Q~~~~hA,.unpaidlliDI 

&a$lncnts ()I ,&he adftual.~~~~~~~~~n.~-~,o be,:~o~~q$&,.Cm~ kh& 

-death of ~h~‘iiisured.. 1) nw.~-G.-%.+.--- 

Xs hereinabove ateted, .wtlole 5068-l (Chaptz 22 

Title 78) applies to all fnaurunoe co~ppsnlc5 or e*soolatlonl; 

whloh do not 00% within certain ohapters the nuxbere of 

whloh are there set out, and this would leevc Chapters 6, 8a 

and Oa, Tit16 78, which aovcr the transaotion of lnsuranoe 

suoh 88 irr lnoluded in your quostlon. Chapter 6, Title 78, 

we8 repaaled by Artlols 4860a-18, whloh-le a part of Cheptor 

9 , Tltlo 78, above rercrrod to, but Chapter 9 deal8 with mutual 

.Insurance end not mutual asssoqmt lnsuranoe, an;i besides, 

oaid krtiols &860a-18 provides that such rcpoala “shall not 

apply to dr effect any Conpanf or Xeooolation now doing busl- 

~88s under the laws repeelad, and they shall oontlnue to be 

govarasd by the regulatory provlrrlons OS euoh laws.” Thorerare. suoh’ooapanlos or assoolationa 68 are still dolng.buslnam und.er Chapter 6, Title 78, era governed by the provialoma 

thereor. 

low*: 

Artlole 5068-1, Seotlon 15, provldes.in part a6 fol- 

-The provfslons or this Act requiring the 

ru papent or olaims shall not apply to any 

groups, alub, or olase prrviously organized and 

sow operating 00 the post-mrtbm or asssasnentas-needed plan and any asaoolatlon having suoh 

a group, olub, or alaas may aontlnue to operate 

it on sold plan go long aa any ruoh @‘oup, club, 

or olass has a atiiloient membership et the 

aosesanent rate ohar&ad to produaa, and so long 

as it rlo~s produoe, for the mortutry or relief 

runa et least rlrty (50% par cent or the max11nu-a value’or tha lergest polloy in said @hap, 

club, or Olaaa. In the event the nembcrshlp of 

olub or olass is only euttlclent in 

~b%“tuf*pay between rmy (50$) per cent and 

one hundred (lOO$) per oaat or the mazlmi~ value, 

It shall be the duty or the orriaer of Bald 

assoolation to have printed on etloh assossnent 

n0tiO.3 the prrooritage or the aiarimum value 0r the 

oertifloate aotually paid on the last death olaiar ' 

in said group, olub, or olasr . . .” 
Hononblo 0. P. Lookhurt, pa&e 5 

Artloloo~C766-1799 (Chaptor 6, Title i8, repealed) 

p&wide ror the organization or a oorporetlon to tranract 

l ooldont ln8wanoo burlnero upon the 8o-operuto or mutUa1 

l a8eoount plan undor end rubjoot only to tho provlolo~ or 

8eid ohaptor. 

'-oh oortiiioato of Mmborrhip, polloy or 

other oontraot or ln8urenoo io8Ued by 8Uoh oompany l hell boar on it8 moo In rod lottorr tho 

r0ii0ring woraor 'The payment of the banoflt 

heroin pr0via0d ror 10 00nditi0n0a upon it0 being 

OOlleOtOd by thI8 oompany frOIQ l 88088QOntO end 

othor l OUroO8 a0 provided in it8 by-lwm.' 

Nothing in th18 ohaptor ehell bo oonntruod to 

prevent tho oreatlon or a ro8orvo runa by my 

l uoh orgeniz8tIon, whloh fund, or it8 ooorotlOM, or both, 8ro to bo u8od only for the payment of 108808 or bonofltr, a8 provldod In the 

by-law8 of ruoh oorporotlon. Such oorporatlon 

may oherge a membrrrhip or admIoslon ieo of not 

8xOeedlz& throo dollar8 upon eaoh p01loy 108ucd, 

tho prooeoda or rhloh may be pleoea in the oxpensa rm, and 8t loaot 8lxty per oont or all 

amount8 realized fion a4 other l 0~roe8 ohall 

be Uoed only for tho payment of 10o800 or bonorit0 00 they ooour, or the balanoo theroof romalnlne l rtor poylng l uah looreo or benerltr 

tranrirrrod to l uoh ro8ervo fund. Such mombor- 

#hip fee may al00 8pply a0 a payment or oredlt 

UpOn tho initial l 88a88DBnt Or pX’OM.iUm, if the 

by-law8 0r the oorporatlon 80 pr0via0. Aoto 

1905, p. 311, AOt8 1915, p. 255.” 

*Eaoh notloe or l ooos8mentr made by 8UOh 

oorporatlon upon Ito membero, or any of them, 

8hau truly l tete the oau80 and purpooe 0r 8Uah 

eroe88mont, om0unt paid on the lart olalm pala, 

the oeUoo or dirabillt~ or death, the name of tho 

member ror ubooo doath or dl8abllIty 8uoh payment war made, tho m8xImun raoe value 0r tho oectliloat0 or polloy, and, in oa80 Of di8ablllty, 

the mulmm amount provldoa. for In 8UOh polloy 

or oertli~ioeto ror 8uoh dI8ability, end, it not 

paid in full, the reason ~horofor. hot 1903, P? 174.” 
;;.onortiblo Gi P. Lcickhart, pee% I 

Art1010 4797 la es r0iit3ti8: 

~ivo~y pollo~ or oertlrloeto ls~ued by eny 

such oorporetlon shall spoolr’y the sxa oi money 

WhiCb it prO~~iOt% t0 pay Up02 the aontIn&anay 

insured acalnot, and the number ot day5 after 

the receipt of satIsl’c.otory proor or the happenla5 of suoh oontln+:ency at whloh SUCh payment 

‘. shell ba sado. Upon the hoppanlng or such eontlr-saoy, euch oorporatloa shall be liable ror 

the paymant of suoh amuzzt la rull et the tine 

80 Bp6Oiiib4, subject to puoh legal 36fMlS6S as 

it nay bavc agalnoti scimo+ If the siup realized 

by It from 88sessmcnts mado In acoordenoo with 

its by-laws to meet 5uoh p.eyment, together with 

such other, su.. OS its bplaws mey rovlde shall 

be used for that purpose, shall be P nsti$lclunt 

to pay !iuoh's;lcp la rull for uhlch it la so llable, then the pay'rmit 08 the full aaount 80 

realized shell dlsoher&o such oorporatloq from 

all llablllty, by rensou of the happening of 

s.uoh oontingonoy, and In t&t event, ouch cargoration shall be liable only for the errAunt so : 

aatuelly raollzed. Id. Sec. 12. * 

It ia our opinion that 011 compan$e8 or essoolatlone do;:*4 buoiuess un3er ;.rtloles 6784-4799 are doin buslness on the *poat-xorte1;? or aretsomant-as-nc-edsd* plan as 

referred to in Agtlols 5068-1, Section 15, as tho notloe or 

assesommt raqulyed by Xrtlole 4795 would be aeanla&lcss un1~5s appllod to essoonments medo after the losseshad already 

aoorued. Thororort, it would be imposslblo ror suoh oompaalos or assooietlons to levy an ennual asaeesment in adVLLAO~ and make provisions for lt to bo paid’ in perIodlo lastallmentrr. 

~rtlole 48591 (Chapter S/L, Title 781, Seotlon 1, is 

as r0u0wi3: 

“380. 1. Any oorporatlon drganlzed end lnoorpo?ated under a pre-exlstlng law In this State 

without capital stook and not ior profit, whloh 

la;v hao beon mended or ropcaled or reenacted, 

and which was operotlng and aotualy oarrylng on 

In this State ImmeUlately prior to Januery 1, L933, 

the state-wide buolneos or mutually proteotlng or 

iASrlr:Ag the lives of its mombers by asoossnents 

tcade LQOA it8 membwe m8y ooniply with the terms of 
lionorable 6. P. Lookhart, pat33 7 

thlr, iot, subJeot to 

hereor.* 

the subsequent provial onr 

Seation 9 or said ..mIols Is, In part, ab roli0rrs: 

“The rbliCt funds or any oorporntlon ooiuply& with and operating under the term or 

this hat shell be. orontod by assessmcnta levled 

upon thb mbllbera 02 s&I3 oorporatlon. Such assessix&s my be made pcrlodioalty upon such bootinlfencios as my be provided in the by-lam o$ 

the corporation, or at suoh steted periods ss in ’ 

the disorotlon or the r&ma&ng ofrloer or orthere or the oorporatloa rwrg be deemed nooessory. 

Tbo banePIts to be paId by ouch corporation shall 

be .dbpendent upon the amount realized from asaess3enLs upon the mti’JershIpi end the ~asrtlficoto 

shall so provide; and.the certlfloete shall also 

‘sthte the aiaslnu~ to be paid. Such corporation 

&hall provide In Ito by-laws ror the portlon’or 

Its essessments to be allottsi to tho rioartuary ’ 

fund. and msy provide for the peynent out or sail 

.~ortuary fund 0r all ettorneys* ieca end necessary 

txpenaes arIsIng out or the derense, settler&ant, 

or peyraent of oonteetsd olelms.~ 

SectSon 11 or asid Artlole Is, In part. as follows: 

Wo oorporatlon hereudar shall Isscle any 

ocrtlrioate or polloy upon a lllclted payment 

plan, nor guarantee or promlso to pay any type 

oi endowment or nnnuity bonefits, but shall ooarIne It6 operation to the Issuanae ot oertltiaates looklng to oontlnuou payment premium or 

yi3;mmt0 $urIng the lire time 0r the polloy- 

. . . . 

Sootion 12 or aeM hrtlole IS as follows: 

-30 borporatlon operating under this Aot 

shall write any policy or 0ertlrIoote 0r Insurenoe celling ror a naxlnum bensrft in exoaes 0r 

Five Thousand Dollars ($~,OOO.OO), nor any polioy 

or oertliloete ot Insuraaoe unless the nembershIp 

or oaId corporatloa, liable for assessmmts on 

said poliog or oortlrloatb or group or olass or 

club liable therefor shall be ourrioient In number 
:ionorabl G, F. Lockhart, par;e 8 

at tbt aaoonsmnt rate oharywd seIJ olass to pay 

rift+ par cent (5%) or the maxI:m4 bcnerit afit 

rorth In said polloy or certlfloata, In the evoat 

the menbarshlp in say group, 01888, or club 0r 

said corporation shall rall below suoh nursber, 

then the oorporatlos shell inmedfately aotIfy the 

mmbera OC suoh group, olsss, or olub, ani Il 

saii amcberahlp Is not lnarcaaed to mid nuber 

within six (6) mx.Me tharearte0, sold group, 

olaos, gr club shall be ‘oonsolldated wlth SOW 

other group, olass,.or club, or disoontinued, 

Dzet’d,o,6,y,tn;,E$ corp.ratIon hereunder has only 

~nembershlp of se&l 

or club, ,then in ths event the 

aorpcrztloq shall at. any time 

rell below fifty per oent ($O$) or the nuabcr 

roqulred at the assosscxnt rate obarend to pay the 

r?oxIaum benefit provihd by any one or its pol:oIos, 

or oertlffaates, the oorporation shall~l~edlatsly 

notlip the members 0: tho oorporatIoa;,and uulese 

the uembcrshlp Is Incroasod tq said number within 

EIX (6.) months thareattor, the Attorney Sonernl 

shall takt steps under Seotlon 13 or thls Lot to : 

brIcS about the llquldatlon or’ said oorporatlon.” 

. 

Seotlon 13 of said .QtIole Is, In pm,, .a8 rollowsr 

“At any t1r.e the 30ar3 o$ Zssuranoe ComIssionars, ai’ter Investl~atlon, shall ba sa~leiIe3 

that aaJ: oorporatioa operating under the provieions or this &at In this Stete IO Insolvent, *bow 

cuse the denth 01eI.m due and unpaid vfldoh havb 

zmtmed ‘under polIoIas written after suoh oorporatlon complied with the tmzs of this Act exceed 

th6 assets 0r the corporation and asseasrcp,nts or 

perIodloal payments ceiled, or to b6 oall.ed, or IF. 

the process 0r oollectIoz, or which axy reasonably 

be nade egelnst tho membera subjeot to ussesaiZtnt, 

or Sas eqxsded Its pomrs, :‘alird to comply with 

amf provlolons or the lews or thla State appllcable to It, or has a nmb,rrshIp of less than rive 

hundred (500) payinS their assessments, tho i‘coard 

ski&l1 rsport the fact to the .:ttOrney General Of this 

State who shell thereupon apply to SW court In 

Travis County &evinS jurlsdlctloa thereor for leave 

to rile a cult in the nature of ‘quo warrant0 to forfeit the oharter of such oorporation or to require 

It to conply with the law or to SatISrY the SOard as 

to Its solvenoy. . .v 
._ 

The above quoted statUteo tuthorite the cseking of 

perio;ilcsl P.SsL.Cazesnts upon tklo .?163iber’R Of oorpor~~tlons orsonfzed thereunder, eni it is o.ur oplnloa thct suah assess-zente 

can be mid0 in my way dtdrea, thst is, onnutilly, quarterly, 

rxmthly or othenvlse,‘ao ions as the required Sunda are eeoured; 

but ;Ne Sind no authority Sor the deduction Sroa the lace mount 

OS t&o policy ttie unpaid port of any tmnual aaeensmcat. xe 

think this latter holdlnc is further supported by the proolsion in Zeotion 11, above set oat, to thr cftcct that thf: corporutfOA so organlzcrd shall l*ooM’ino its operctlon to tho iosullnc6 of ocrtiflcatea looklag to oontlnuoao prbniua ;aymentn 

Or ~SS~SSQ~ZStS &UrilltJ th0 Iii'0 ti716 Of 8. poli~gholdsr,” t?nri 

It 1s clersr Srocn thls provision that the Lo&lnture did not 

lnzend Sor ey ungald purt of an'atinaml asseaemmt to be 

deduot6d Sron the Saoc amount 0, C the polioy eStor the. death 

or the ins-ureb. 

@tLole 6875a-l--b875a-31 (ChaptGr 9A, Title 78) 

provides Sor the organization OS local mtual tid assoolotlons 

psylf3.r bcnerlte where the Sun.ls are prooiiibd by eosesszmat of 

the ziwi5ers ca needed. 

Article &875a-5 outlines what mst be done in order 

to or~cnlze a local nitua 1 al.? assooiatlon, but the latter part 

o: S;lb-division (5) thereof ?rovidcs: “That the, prool&me of 

t&lo SXOt~OA shall not asply to any lwal nutual eli tissoclaCon SOW oc~zn?zed enl opzzatlng whose total ziecmberohip shall 

at no tixe exceed Qaa Thi’uoaud (1,000) iaezbtjars and which shall 

never char@ ror amual dl~a or asseaemnts in excess of Cm 

(;1.30) 3ollar enok, ati wboso membership foes &.a11 at no 

tic;e exceed Two Dollars cn3 Fifty Cents (32.50)..* Ye think it . 

is a16ar fIDS6 thi8 prOViaiOn thfAt Said eXO8pted au800i0ti0n.5 

cm not authorized to levy imnual ~sstmiments in advonoe a&almt 

the polloio's of their aenbers.. 

c Article 4535a-1 is aS fOllWa: 

@This Act shall spply to enp, r6,Wate the 

buo1ness of looel nuttml aid oesooiationn oporatins for the purpma of >rovldlng bsnetlt for ~embum orid death benefit ror the benerl’olurles OS 

doaoese~d members, on:1 s&i&l ooaprehend and include 

ali cooietlos and aseoclotlons or any sort operating en insurance business and paylne suoh benelite 

where runIds are providedtgl assesam6ats upon i;h% 

members 88 needed, except thcqe herelnarter exewtod.* 
fionorable C. P. Lockhart, page 10 

Art1010 6875e-2 i8 00 rOmJ/S: 

“Any person or i)6r36m ;!oslrlng to oqanlze 

n .locnl autilul ol?l ussoclatlon to be opsrstsd 

upm the usseammt 8s ncedod or slallvr glaa shall 

be pcmltted to do so upon the. te,rzs and ootiltions herelndrter sst rorth. !I0 person, rim or 

‘. oorparntlon shall hemafter operate I.? this State 

auy sort 0r a 1006l Mutual aid soolety or assoclatlon 

?c;yln& e %eath becsfit or othrr btn6tit.s an1 provldl~ its Pun& by assesments ES n6eded, exoept 

under the provisloas hereo:, or under other spoolrlo p,-ovlslons of the laws OS this State.” 

Article 6875~1-13 is 8-i r01iows: 

The benefits to be puS& by sqotr essoclatlon 

sixsll be dspea3ent upon cho mount reellzed Sroti 

ass6ssnmts upon the mezbershlp, ti the certificates 

issued shall so provide; and the ocrtltioatea shall 

also state the mxinun to be ge?d.. 

krtlols 4875a-14 is as tallows: 

“An c8soolatlon shall not lssu6 oertirloptes 

-Wovldlxq for a level pre5lium or guaranteed benefits, 

nor ror surrsnber of loan value8.~ 

Artlols 4675a-17 is; in part,.as rollowEl: 

The S’unjs OS the assooletlon shall be derived 

rro::: mezxbarshlp rees and enseescwats. Lssessments 

shall be auUs upon the xtmberohip to wet brnetit 

slalxs and for surplus runs and Sor erpctnses. Calls 

tar esseossients mst epeclry the purpos6 for which 

made. . .” 

‘Eihlle there my be sme oo;:fllot between ths provisions 

hsroinabova c;uotud to tha efiect t&t associations or~un1ze.d 

under Chapter 92, shall sooum their fun::8 by assess08nts upon 

the mnbera 89 nrs3ed end the provisions that asssssnents shell 

also be cede upon the xeenber$hip for surplus Suds, it is QUr 

opinion that the Le&slature intended to provide that a11 OS 

such Sunis should be provided by essessmints 85 needed, whloh, 

ln OUT opinion, means .by post-Etorten essessrients. Theretore, 

it is olur opinion that any oozpani6s 0~ associations opertitia& 

under said chapter 9A tsnd whioh were so Oporotl%3 at the tits0 
Eoaorablo 0. P. Leokhart, pa80 ll 

Art1010 ~068-1 beour l ttootlro ore not outhorlmd to 

baawl l osomkoato la abvoaoo, with rorioloa that tho 

levy 

o uua t or ma o l h uouaeato na y b8 p a 16 ) in p a r io b io~ooo ~l ~- 

aoat8, 

Thooo guolitioatioao 0r our aogativo aamor to roar 

inquiry ua booo4 

Y@ 

a t&o ooaolwloa that a0 l 8ooouuat oaa 

bo nod8 upon the po $8~ of an fn~uro6 oftor hi8 do&h, and 

that ho would be require6 to w owh uoooomoato only until 

tho tlu 0r hi0 do*U. or 00~00, ii u UUI~II. ~~000~84t 

h o 8 boo n a do aad th o a ir l a 8 p a r t or it unp a id rhioh wa s 

&AO prior to the do&h of a& inourdd; than tkat pwtioular 

pod d&t bo doduotod from th* 1Caoo ouuat or tho 

but our holdimg io that l uoh goliorholbor oanaot bo 

polio 

nqu I' rod 

to pay oay rrmmmat l xoopt thot whirl Qovoro l lo iu aa 

lower u until the tbo ot hlr dooth 6n4 t&at ,-no or nid 

mm l ut go rho tho dodurtior 0r tmpd bot~lmoato 0r on 

umuol rooomaoat ?roa tho taoo l nouat of tho golloy aftor 

tho dooth of tho iaourod. 

Truotiag that thio l atiofootorlly l aoworo rotu lawr?l, 1* -r