James Clark McReynolds

“ Assessments and dues are payable at the Minneapolis office and notices in respect of them are mailed to members at their last known addresses.
New members are procured by advertisement and through the solicitation of older ones. The latter are urged to furnish lists of prospects and to use their influence to increase the membership; but no member has authority to bind the association. Although not essential, applications frequently bear a member's recommendation. Soliciting members receive no compensation except occasional premiums or prizes. No paid solicitors or agents are employed. ”

“ The form was filled and signed in Montana and then sent to Minneapolis with the requisite fee. It was accepted and certificate of membership mailed to the applicant. After customary notices from the association, with which blank applications for new members were commonly enclosed, the insured sent dues and assessments from his home in Montana to Minneapolis by mail and received receipts-all according to the usual method. Other members of the association resided at Kalispel. The association reserved the right to investigate all claims for sickness, accident or death. ”

“ The right to make further investigation is reserved; but there is no evidence to show anything has been done under this reservation in the present case. Losses are adjusted by the directors in Minneapolis.
The association accepted Robert J. Benn's application for health insurance, solicited and recommended by Harry K. Hartness, a member, November 6, 1908, and a further application for additional protection May 3, 1911. ”