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No part whereof can be waived, except in writing signed by the secretary,"
construed...................................

86

"Change of occupants," construed...

91

Co-insurance clause construed..........

178

"Shall * ** *furnish the certificate of the magistrate," construed..

92

"Advances" in marine insurance, construed...

179

"Loss of one foot," construed...

11

Printed portions of, are controlled by written part..........
Application and, construed as one instrument...........

96

139

...

Loss "in no event to exceed what it would then cost the insured to repair or
replace the same with material of like kind and quality," construed..... 99
Property under the immediate control of insured," construed....
"Goods sold and not delivered," construed...

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Right to paid-up, where one full annual premium has been paid, construed... 166
"Any increase of hazard by change of use or occupancy," construed............... 26
Other insurance permitted, concurrent in form herewith," construed...............

PRACTICE.

65

See Variance.

In Alabama "general denial" must be verified.......
Variance between policy and complaint is ground for excluding policy, in
evidence...... ...

1

1

Attorneys must pay costs of excessive and unnecessary matter, in brief............ 12
Waiver must be pleaded.........
......................................13, 54, 60, 62,

98

Action at law may be pleaded in abatement of suit in equity......
Waiver of defects in complaint by failure to demur......................
No liability can be declared against one not a party to the action.................20,
Appearance to action under Rev. St. Texas, Art. 1243..
Verdict will not be disturbed on evidence.......
Assignment of error on exclusion of evidence...

14

18

22

141

..30, 31, 38, 39, 41, 44, 141

Company may stay levy of execution by action in court other than that from

Right to rehearing...........

...106, 111

Sufficiency of complaint in action on benefit certificate........ ............................. 108
Decree ordering levy of assessment to pay death benefit under certificate......... 108
Right of appeal in Ohio

......... 142

...............

Right to submit question to jury is waived by not requesting such submission..
When petition for stay of proceedings pending appeal, must be filed, in En-
gland

Jury may be allowed to take policy to room....

Authority of company to make contract can not be raised for first time on ap-
peal

Amended complaint, rejected by court, must be brought into record by bill of
exceptions.

Plaintiff not bound to disprove matters alleged in defense, in his evidence in
chief.

In Illinois the granting of rehearing is discretionary with appellate court........ 111
Right to introduce newly discovered evidence after case has been closed, but
jury not instructed

In Illinois the Supreme Court will not review questions of fact although un-
disputed

Law of case on second appeal

Case must be submitted to jury on the theory on which it was tried.

........ 116

Filling blanks in pleadings.......

Where part of conversation has been introduced, other party has right to intro-
duce whole conversation..............

Decree may not go beyond relief prayed for ................................................................................................................ 186

.....

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Evidence of misrepresentation in application not admissible under general de-
nial..........

52

Discretion of trial court in refusing to allow amendment of notice of defense
will not be reviewed on appeal

52

Demurrer waived by going to trial without ruling ....................................................
What defenses must be specially pleaded.

53

6

Mistake in policy can not be shown in absence of such allegations in pleadings 56
When failure of jury to answer interrogatories, is harmless error.

60

Error to sustain demurrer to answer where complaint is bad ............................. 189
Under allegation of total loss in complaint, partial loss may be shown.............. 60
The appellee entitled to costs of appeal after remittitur................
Allegations and proof of waiver.............

66

60

Money judgment can not be rendered where not prayed for in complaint......... 189
What questions raised by face of record......

190

Error in admission of evidence may be cured by instructions.............
Supreme Court will not reverse on evidence where party agreed to submission
of case to jury

159

159

When defendant should be refused right to amend answer after close of testi-
mony.......

176

Proof required of plaintiff under allegation that all the conditions of the con-
tract were performed..

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Plaintiff need not prove facts admitted by answer...............

136

Error of court in excluding witness not waived by attempting to prove same
fact by other persons..

162

Other insurance, if any, must be shown in complaint...........................

94

Appearance to action......

164

Defects in complaint considered cured by verdict...

94

Adversary's pleading can not be relied on to make out cause of action or de-
fense......

95

Defense of arson must be specially pleaded.............................

97

Bill of discovery will lie against insurance company in Tennessee to discover
of list of stockholders.........

195

98

Instructions must be based on issues raised by pleadings..

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"If the property be mortgaged," without consent of the company, construed 81
When knowledge of agent may be shown under general denial.............................................................................
PRINCIPLE AND SURETY.

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When notice of maturity of note is complete, in Iowa...
Forfeiture of policy payable to mortgagee, for non-payment of........................... 22
Where paid by one having no insurable interest, may be recovered.

Liability of mortgagee on default of mortgagor................

When can not be recovered......

When may be recovered by insured.......................................

2223

Payment of, to one not authorized to receive it, not binding on company......... 48
Forfeiture for non-payment of.....

28

35

114

..28, 58, 112, 123, 150, 164, 183

Waiver of prompt payment of..........

Rights of parties where premiums were paid with stolen money.
The law gives no lien on vessel for premiums.....
When company estopped to claim forfeiture for non-payment of note............... 70
Where policy does not provide for forfeiture for non-payment of note, tender
made after maturity but before loss, is in time.........
Premium notes in mutual company subject to assessment to pay unearned
premiums............................................

.35, 57, 151
...................................55, 159, 160
..........154, 160
176

70

72

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22

73

To whom it may be paid....

Receipt of premium overdue, on condition that insured is temperate and in
good health..

73

128

Sufficiency of averment of payment, in complaint..............

159

Notes can not be assessed to pay unearned premiums....................................................................................... 78
Prompt payment of may be waived by custom

.133, 161

Sufficiency of notice of maturity of, under Laws N. Y. 1876, c. 341................135, 163
Liability of members of mutual company on note..........
Mutual company may accept cash premium......
One full and complete annual premium, construed.
Return of unearned premium is condition precedent to cancellation of policy. 25
Evidence of waiver of prepayment of....

..........

..94, 99

93

166

35

Right of mutual company to take note, in Wisconsin.
When collection of note not waiver of forfeiture

93

98

Claims of heirs against "widow" for premiums paid by deceased husband
and father

...............

149

PRESUMPTIONS OF LAW.

Is against suicide.

104

None that application was attached to policy in accordance with requirements
of statute.

143

Negligence of carrier presumed from fact of fire of goods during transit.......... 36
Acceptance of application not presumed from silence of company.............................................. 48
Of receipt of letter..........

That insured knows contents of policy........

As to ownership of personal property in building...

Of fairness on part of arbitrators....

Assent to foreclosure not presumed from silence of company..

That suppression of fact in application was intentional....

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What required of plaintiff under averment of performance of all conditions
of policy.........

PROOF OF LOSS.

See Conditions Precedent-Notice-Waiver.

37

155

29

98

103

136

Making of, within time limited in policy, is condition precedent.........13, 54, 58, 76,

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Certificate of magistrate, as part of, is condition precedent.....

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Mistakes in, may be corrected at trial of cause...................................................................................................
Condition precedent to action, unless waived.......

43

..44, 58, 64, 76

Plaintiff is neither prejudiced nor estopped by statements made by physician
in, as to cause of death.......

116

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Declining to receive, as not being made by proper party, does not waive other
ground of defense............................................

Under policy issued by two companies doing business as one.............................. 53
When requirement of additional, does not waive forfeiture......................56, 128, 134
Power of agent to waive..........

..59, 88, 90

Unnecessary, in Pennsylvania, in case of total loss....................................................................................................................... 64
"Shall be furnished within thirty days," construed.

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..65, 83

Fraud or false swearing in, cause for forfeiturc...............................................
When assured excused from furnishing physician's certificate of cause of death
as part of..............

..........67, 81

What admitted by company retaining without objection.........

Complaint must show that, were made within time limited in the policy.

When over-valuation of loss in, is not cause for forfeiture .................................

Made by company's adjusting agent, are sufficient....................................................................................... 84
Statements of beneficiary in, are admissible in evidence

To whom may be given

What sufficient.........

84

PROXIMATE CAUSE.

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Will not permit beneficiary, who has murdered insured, to recover on policy.106, 122
Does not forbid one taking out policy payable to "widow," though his widow

is not the same person who was his wife when policy was taken.................. 149
Provision of constitution and by-laws of fraternal order requiring initiation in
addition to payment of fees and election to membership is valid and not
against,...

119

Condition in policy that company may pay to any one of the class named in
policy is not void as against,...

158

Where insured is murdered by beneficiary the representatives of insured may
recover,........................................

122

QUO WARRANTO.

Proceedings will lie to oust foreign insurance company from state.................... 196
Proceedings against foreign company not barred by license issued to such

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Rescission of contract on refusal of company to allow......................................... 150

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Right of representative of debtor to redeem policy procured by creditor........... 154

RECEIVER.

See Insolvent Company.

Right of, to levy assessment.......

Appointment of, cancels all policies............

Sufficiency of decree appointing, for insolvent company.

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Illegal assessment....

Is not "
owner" or " trustee" of funds, for taxation, under Gen. St. Conn.,
22 3802, 3841.

Step-son is of his step-father.

RELATIVE.

REFORMATION.

93

189

120

See Contract-Policy-Practice.

Sufficiency of evidence.................

.............27, 84

151

Equity has power to decree, where there is mutual mistake as to effect of
terms used...

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By-law, making medical examiner judge of right to, is binding..
Can not be effected after death of member.......

104

130

Rights of beneficiary after, where member dies within one month after.......... 103
After passage of statute affecting benefit orders, does not bring certificate
within such statute.........

107

Waiver of irregular suspension by application for........................................................................................... 120

RE-INSURANCE.

Evidence of...

Acceptance of, by insured..

Contract made by one who was agent of both companies, is void..

RE-INCORPORATION.

Rights of beneficiary named in certificate not changed by.

RELEASE.

See Cancellation.

REMAINDERMAN.

See Tenant.

RENEWAL.

See Agent-Commission-Contract-Policy.

Fraud of insured in obtaining, renders policy void..

Evidence of..........

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REPAIRS.

Clause "permission to repair without vacancy,' construed..
Clause permitting, construed to permit use of "

open lights".

REPRESENTATION.

See Application- Warranty.

Description of risk in policy considered as...............

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18

38

.26, 31

..28, 58, 112, 123, 136, 150, 165

61

61

124

59
...108, 125

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