
    Julia Myers, Respondent, v. Metropolitan Life Insurance Company, Appellant.
    
      Insurance policies — wh it evidence is insufficient to show that a release was executed by a beneficiary through misrepresentations.
    
    John Lynch, at the time of his wife’s death, had in bis possession three policies of insurance upon his wife’s life. The application for one of the policies designated him as the beneficiary and the applications for the other two policies designated Julia Myers, his wife’s sister, as beneficiary. On the receipt of the proof of death made by Lynch, the insurance company instructed its superintendent to draw a check for the amount due on the three policies, payable to the order of Lynch and Mrs. Myers, and to obtain a release from both. The company’s agent went to Lynch’s house where Lynch and Mrs, Myers executed a sealed release to the company for the amounts due under the three policies. Mrs. Myers also indorsed a check for the amount due on the three policies, which was ‘made payable to the order of Lynch and herself and delivered it to Lynch . who received the benefit thereof.
    Subsequently Mrs. Myers brought an action against the insurance company to set aside the release as to her, and to recover the amounts of the two policies under which she was the beneficiary, on the ground that the release and her indorsement of the check were procured from her through the fraud of the agent.
    Upon the trial it appeared that when the plaintiff signed the release and indorsed the check she understood to whom the insurance policies were payable and that the transaction related to such policies and that there was ample time and opportunity for her to read the papers or to have them read to her by her daughter who accompanied her. The plaintiff, however, testified that when she was about to sign the instrument her daughter asked, “ What right has • she got to sign this paper ?” and that the defendant’s agent replied, “Merely for nothing.” It did not appear that the agent misstated the contents of the check or of the release or used' any artifice to induce the plaintiff not to read them.
    
      Held, that the evidence was insufficient to support a finding that a fraud was committed by the defendant.
    Appeal by the defendant, the Metropolitan Life Insurance Company, from a judgment of the Supreme Court in favor of the plaintiff, entered in the office of the clerk of the county of Rensselaer on the 13th day of November, 1900, upon the decision of the court, rendered after a trial at the Rensselaer Trial Term, certain question's having been submitted to a jury, and also from an order, entered in said clerk’s office on the 26th day of October, 1900, denying the 'defendant’s motion for’a new trial made upon the minutes.
    The plaintiff was the beneficiary under two policies issued by the defendant on the life of the plaintiff’s sister, Catharine Lynch, formerly Catharine Donovan, who died January 1, 1899. One of the policies was issued on April 9, 1883, for $116, and the other on December 22, 1884, for $53. The name of the plaintiff as beneficiary appeared in the applications and not in the policies. Plaintiff paid the premiums on these policies for three or four years until the marriage of her sister, ten or twelve years before her death, to John Lynch, when the' policies with the books containing the receipts for premiums were delivered to the insured, who thereafter paid the premiums. At the time of her death the policies were in the possession of her husband. After Catharine’s marriage with Lynch another policy was issued by the defendant on April 4,1892, for $70 on her life, in the application for which her husband was named as beneficiary. On January 2, 1899, proofs of death were made by John Lynch, the husband of the insured, as the claimant of the amount due on these three policies. On the receipt of the proofs the' company instructed its superintendent at Troy,, N. Y.,. where the plaintiff and John Lynch resided, to make the check for the amount due on the three policies payable to the order of the plaintiff and to John Lynch, and to obtain a release from both. On January fifth, at a meeting of the defendant’s agent with the plaintiff and John Lynch, at the house of Lynch, the plaintiff and Lynch each executed a sealed release to the company for the amounts due under these three policies, and a check to the order of Lynch and the plaintiff for the amount due on the three policies was indorsed by the plaintiff and delivered to Lynch, who received the benefit of the same. Thereafter -this action was brought by the plaintiff to set aside the release as to her and to recover the sum of $169, the amount of the two policies, in which she was beneficiary, on the ground that the release and her indorsement of the check were procured from her through the1 fraudulent representations of the defendant’s agent.
    The court submitted to the jury the following questions: First-. Was the plaintiff induced to sign the release or receipt and indorse the check in evidence by the false representations of Bernard T. Dooley, the agent of the defendant company, without knowledge on plaintiff’s part of the ■ nature of the piper she was signing ? ” Second. “ Was the check in evidence ever delivered by defendant, its agents or servants to the plaintiff?” The jury answered the first question in- the affirmative and the second in the negative. The trial court made a decision adopting the findings of the jury and directing a judgment for the plaintiff, and from the judgment entered thereon this appeal is taken.
    
      John Dewitt Peltz and Martin T. Pfachtmcmn, for the appellant.
    
      John W. Poddy, for the respondent.
   Edwards, J.:

The defendant having paid in full the amount of the policies in question, and the plaintiff having executed a release of all claims under the policies, the effect of the release cannot be destroyed and the defendant be again compelled to pay unless a fraud has, in fact, been committed by the defendant which induced the execution of the release.

The facts attending the execution of the release and the delivery and indorsement of the Check are substantially as follows:

On the evening of January 5, 1899, Mr. Dooley, an assistant superintendent of the defendant, accompanied by Mr. Westfeldt, another agent of the defendant, went to the residence of John Lynch, in Troy, for the purpose of paying the claims under the two policies in question, and the one held by John Lynch. They there met the plaintiff, her daughter, Lynch and his two sons. The plaintiff says that her relations were at that time friendly with her brother-in-law Lynch who, in the proofs of death signed by him, was named as the claimant of the amount due under these three policies. She says she knew that Dooley was assistant superintendent of the defendant, and knew his business there; that she knew there were three policies upon the life of her deceased sister, and knew that two of them were payable to her at her sister’s death ; that she had never given any consent to a change of the policies; never heard of any change being made and that none ever was made; and she understood that these two men from the defendant had come to pay the money. She says, “ I didn’t know of any other business that Mr. Dooley would have, except in relation to those policies * * * I supposed we were going to get something.” The plaintiff says that when she went into the room Dooley asked her to sign the two papers that he had there, the release and the check; and that her daughter said, What right has she got to sign this paper ? ” and Dooley said, Merely for nothing.” She says that she could read and write, but that she said, “ I didn’t have my glasses and I couldn’t see ; ” that she signed her name and did not know that the paper was a release, had never seen a check before, and Dooley didn’t say what the papers were; that she signed them both, one after the other; and says, “ I supposed certainly they had something to do with these insurance policies.” She says that her daughter told her several days after this occurrence that the policies were to her, and says, “ I knew that before; ” that after she signed the papers Lynch got them; that Mr. Dooley took the papers first after" she signed them and handed them to Lynch. This is all the testimony of the plaintiff as to what was said and done there on that occasion. The testimony of the plaintiff’s daughter as to the occurrences at that time is, in substance, the same as the mother’s. except that she adds- that Mr. Lynch said, “ What has your mother got to do with my business and the daughter said, “ What right has she got to sign those papers, then ? ” She says that her mother did not ask what the papers were. The. plaintiff’s daughter, who was present, was educated in the public schools of Troy.

The defendant’s witnesses deny that Dooley said in answer to the daughter’s question, “ merely for nothing; ” and also say that the daughter read and examined the release and the check, and then ■ told her mother to sign them.

Assuming the testimony of the plaintiff and of her daughter to be correct, I think the evidence is quite insufficient to support a finding that a fraud was committed by the defendant. There was no fraudulent representation. or concealment of any fact by the defendant’s agent nor was any artifice used by him to induce the plaintiff not to. read the release and the check. Indeed, no conceivable motive appears for the perpetration of a fraud. The defendant was willing to pay the full amount due under the policies to the person entitled, and the agent had no personal interest -in withholding it from the plaintiff. The only statement made by the agent Which is. claimed by the plaintiff, to be fraudulent are the words “ merely for nothing ” in answer to the question- put to him by the defendant’s daughter. The significance of these words is not readily understood, indeed, can only be conjectured. But it is quite clear that they cannot be construed as a fraudulent representation of any fact-. They were not a misstatement of the contents of the release which the plaintiff was asked to sign, nor of the check which she indorsed. It is not claimed by the plaintiff that she -made any inquiries as to the nature of the release or of the check, and if the agent did not inform her of their contents he did not thereby fail in any duty which he owed -to her. ' It is not disputed that there was' ample time and opportunity for the plaintiff to read these papers or to have them read to her by the daughter, who is an intelligent woman. If she had done so she would undoubtedly have, understood their significance; and if she failed to do so she alone must suffer the consequences of her want of vigilance. Furthermore, the agent might reasonably assume that the plaintiff understood the nature of the business which was being transacted and the character and effect of the papers she signed. The agent would naturally assume that she understood the settlement to relate to policies in which she as well as Lynch was interested. He would not naturally suppose that she believed it necessary for her to execute papers in settlement of a policy held by Lynch alone, and in which it was not claimed by her or by any other person that she had the slightest interest.

Nor can it be said that she relied on the existence of any relation of confidence or trust between her and the defendant’s agent. No such relation can be claimed to have existed.

In the absence of any misstatement of the contents of the check and of the release, or of artifice to induce the plaintiff not to read them, the plaintiff cannot maintain her action. The law would afford but poor protection to the holder of a sealed release if its effect could be destroyed and he be again compelled to pay under circumstances such as these. Indeed, there would be but little safety for men in the transaction of their ordinary business affairs.

The judgment and order should be reversed and a new trial granted.

All concurred.

Judgment and order reversed on law and facts and new trial granted, with costs to appellant to abido event.  