
    In the Matter of the Judicial Settlement of the Account of Proceedings of Jeanie Corwin Viles, formerly Jeanie S. Corwin, as Administratrix, etc., of B. Ryder Corwin, Deceased. Orville B. Ackerly, Appellant; Jeanie Corwin Viles, as Administratrix, Respondent.
    
      (Supreme Court, App. Div., Second Department,
    
    
      November 12, 1915.)
    Decedent’s estate—Insurance payable to wipe ip living, otherwise to legal representatives—When “ legal representatives ” construed TO mean next op kin.
    Where, upon the judicial settlement of the accounts' of an administratrix who was the daughter and only heir and next of kin of the deceased, with whom, she lived until his death, it appeared that a policy of insurance taken out by the decedent was payable “to his wife, Jane S. Corwin, if living; otherwise to liis legal representatives; ” that the word “assigns” was omitted; that the decedent’s1 wife predeceased him; that he died without real property and possessed of but little personalty aside from the proceeds of the insurance, and that he was not a lawyer, the term “ legal representatives ” as used in the policy of insurance should be held to mean the next of kin and not the administrator.
    Appeal by Orville E. Ackerly from a decree of the Surrogate’s Court of the county of Kings, entered in the office of said Surrogate’s Court on the 8th day of October, 1914.
    The controversy involves the reasonableness of certain expenditures for funeral expenses and the disposition of the proceeds of a life insurance policy collected by the administratrix.
    Bar win J. Meserole, for the appellant.
    Frederick C. Tanner (Edward Gates with him on the brief), for the respondent.
   Pee Cttbiaai.

We think that the conclusion of the Surrogate’s Court that t'he term “ legal representatives,” as used in the policy of insurance meant the next of kin and not the administrator, should be approved. The policy of $3,000 taken out by the decedent was payable “ to his wife, Jane S. Corwin, if living; otherwise to his legal representatives.” The court found that the word “ assigns ” was omitted therefrom. A stipulation agreed upon as the sole source of proof showed that decedent’s said, wife predeceased him; that the accountant is bisel aughter, only heir and next of kin; that she lived with the decedent until his death; that decedent died without real property, possessed ’ of personalty aside from the proceeds of the insurance of but $1,479.69, and that decedent- was not a lawyer. We think the conclusion of the Surrogate’s Court may be sustained by the authority of Griswold v. Sawyer (125 N. Y. 411). Cullen, J., in Leonard v. Harney (173 N. Y. 352, 354) said that- tlie principal ground, as “ very clearly pointed out by Judge Earl in the ease of Griswold v. Sawyer,” upon which Griswold v. Sawyer was decided was the omission of the word assigns ” in the policy. Other considerations like unto- some of those which moved the court in Griswold v. Sawyer may he urged in this case, such as the general purpose of life insurance, the financial condition of the decedent as revealed at his death, the existence of a wife and of a daughter who resided with him, and the fact that decedent was not a lawyer. We see no reason for disturbance of the court’s disposition of the item in her accounts for funeral expenses, in the absence of cross-examination of the accountant and of any evidence offered as to the unreasonableness of the charge.

The decree of the Surrogate’s Court of Kings county is affirmed, with costs to the respondent payable out of the estate.

Jenks, P. J., Thomas, Mills, Rich and Putnam, JJ., concurred.

Decree of the Surrogates’ Court of Kings county affirmed, with costsi to the respondent payable out of the estate.  