
    Dinza Avrumovna Feinman, Appellant, v. United States Grand Lodge Order Brith Abraham, Respondent.
    (Supreme Court, Appellate Term, First Department,
    November, 1914.)
    Insurance (life) — action upon policy of — failure to pay amount of policy — allegations contained in complaint that all conditions of policy were fulfilled.
    Evidence — receipt of letters from plaintiff within short time furnishes legal presumption of continuance of life — trial.
    In an action upon a policy of life insurance it is essential to show the death of the insured, and defendant’s failure to pay the amount of the policy as therein provided.
    An allegation in the complaint that all the conditions of the policy were fulfilled by the insured, though proper, does not, even when denied by the answer, place upon plaintiff the burden of proof that each particular condition was fulfilled.
    Where the answer in an action by the sole surviving parent of a deceased member of a fraternal order to recover the death benefit is a general denial, the testimony of the niece and the nephew of decedent that they knew plaintiff in Russia and had • only recently received letters from her, and the testimony of another witness who came from Odessa and had been in this country less than two years that before he sailed therefrom he saw plaintiff, who was not present at the trial, makes out a prima fade case, and a judgment for a dismissal of the complaint entered on defendant’s motion at the close of plaintiff’s ease will be reversed and a new trial ordered.
    The fact that plaintiff was alive and that letters had been received from her a short time before the trial of the action furnished a legal presumption of continuance of life and that identity of name was presumptive evidence of identity of person.
    Appeal by the plaintiff from a judgment of the Municipal Court of the city of.New York, borough of Manhattan, second district, dismissing the. complaint of the plaintiff.
    
      Meyer London, for appellant.
    Goldfogle, Cohn & Dorf (Irving S. Dorf, of counsel), for respondent.
   Cohalan, J.

The action was brought by the plaintiff as the sole surviving parent of one Aaron Feinman, a deceased member of the defendant lodge, to recover the sum of $500 as a death benefit.

The plaintiff at the time of the trial resided in Odessa, Russia. The decedent at "the time of his death was a “ beneficiary ” member in good standing in the fraternal order, and according to its rules and by-laws his beneficiary upon his death was entitled to the sum of $500. The constitution and by-laws of the lodge provide that in case of death of a male member, if there be no designated beneficiary, the sum due should be payable to the widow of the deceased member, and if there be no widow and no children, then to the parents of the deceased. The answer was a denial- of the allegations of the complaint. After the plaintiff had put in her evidence the defendant rested without offering any testimony and moved for judgment. The court thereupon dismissed the plaintiff’s complaint without prejudice. It is our view that this was error, as the plaintiff made out a prima facie case. Testimony was offered by three witnesses that the plaintiff was now living and was residing in the city of Odessa.

The substance of the testimony upon which the plaintiff relies for recovery consists in statements made by the niece and nephew of the decedent. They knew the plaintiff in Russia and have only recently received letters from her. One, Louis Sapolin, testified that he had been in this country less than two years, and came from Odessa, and that before he sailed therefrom he saw the plaintiff.

It was attempted to put in evidence a power of attorney running to the niece of the deceased, which was properly excluded because of the fact that it was improperly executed. However, independent of this power of attorney there was evidence in the case sufficient to establish a prima facie case. In actions upon policies of insurance it is essential to show the death of the insured and the failure to pay as provided. The allegation that all of the conditions were fulfilled by the insured, though proper in a complaint, even when denied by the answer, does not place upon the plaintiff the burden of proving that each particular condition or agreement was fulfilled. Elmer v. Mutual Benefit Life Association of America, 47 N. Y. St. Repr. 35; Ellis v. National Provident Union, 50 App. Div. 255.

The fact that the plaintiff was alive and that letters had been received from her a short time before the trial of the action furnish a legal presumption of continuance of life and that identity of name is presumptive evidence of identity of person. Hatcher v. Rocheleau, 18 N. Y. 86; Mahaney v. Mutual Reserve Fund L. Assn., 69 Hun, 12.

The judgment appealed from is reversed and a new trial is ordered, with costs to the appellant to abide the event.

Seabury and Bijur, JJ., concur.

Judgment reversed and new trial ordered, with costs to appellant to abide event.  