Appeal from the Circuit Court of Cook County; the Hon. Lokin C. Collins, Judge, presiding.

In this case it appeared that one Fred McDougald, in his lifetime, was a switchman, and a member and policy holder (No. 2,271) in the Switchmen’s Mutual Aid Association of North America, under which policy, upon his death, there was payable $800; that on February 7, 1889, the insured was killed at Cook county; that the appellant is the mother of the assured and his only heir at law, he being single and unmarried at the time of his decease.

The certificate of membership under which the benefit involved in this action is payable is as follows:

“Fo. 2,271.

“ Grand Lodge oe the Switchmen’s Mutual Aid Association oe Forth America.

“Chicago, February 20, 1888.

“This Policy of Insurance Witnesseth:

“That the Switchmen’s Mutual Aid Association of Forth America, in consideration of the grand dues and assessments to them duly paid, in accordance with the provisions of the constitution of said association, by Fred McDougald, and of the annual payment of such grand dues and assessments every year during the continuance of this policy, do assure the life of said member, Fred McDougald; and the said association do hereby promise and agree to pay the amount of insurance that may, at the time of the death of said assured, be justly due and owing, according to the provisions of said constitution, as well as the like sum in case of disability of said assured, in accordance with the terms and conditions further provided in. said constitution, the said sum or sums to be paid as stipulated thereon, to and for the sole use of such person or persons to whom this policy shall be made assignable by said assured; and if such person or persons shall, at the death of such assured, be not living, then to the nearest heir or heirs on receiving proof of the death of said assured, and the identity and proof of right of claimant to inherit the same according to the requirements of said constitution, any indebtedness to the association on account of this policy being first deducted therefrom. In every case when this policy shall .cease and terminate, or be null and void by reason of immoral or other misconduct, and the assured shall forfeit his membership in this lodge, according to the provisions of the constitution of this association, then all payments thereon shall be forfeited to the association and this policy canceled.

“ Grand Lodge Switchmen’s Mutual Aid Association oe Forth America, organized at Chicago, Ill., March 2, 1886.

“In witness whereof the same Switchmen’s Mutual Aid Association of Forth America has, by its Grand Master and Grand Secretary and Treasurer, signed, sealed and delivered this contract, this 20 th day of February, 1888.

“Wm. A. Simseott,

“ Grand Sec. and Treas.

“ [Attest:] James L. Monaghan,

“ Grand Master.”

The stub from which the certificate was taken, is as follows:

“ No. of certificate, 2,271.

“To whom issued,

“ Fred McDougald.

“ Residence,

“Auburn Junct., Ill.

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