committees shall have the power to administer oaths, examine witnesses and take acknowledgments.

(SENATE BILL No. 356. APPROVED JUNE 22, 1917.)

AN ACT to amend an Act entitled, "An Act to authorize the organization and to regulate county mutual windstorm insurance companies," approved June 4, 1889, in force July 1, 1889, by amending sections 7, 8, 9, and 11 thereof.

SECTION 1. Be it enacted by the People of the State of Illinois, represented in the General Assembly: That an Act entitled, "An Act to authorize the organization and to regulate county mutual windstorm insurance companies," approved June 4, 1889, in force July 1, 1889, be and is hereby amended by amending sections 7, 8, 9 and 11 thereof to read as follows:

7. Any person owning property in the county for which any such company is formed, and any person owning property in an adjoining county in which no company organized under this Act exists, may become a member of such company by insuring therein and shall be entitled to all the rights and privileges appertaining thereto, but no person not residing in the county in which the company is formed shall become a director of such company.

8. Such company may issue policies only on dwellings, barns and other farm buildings, churches and schoolhouses and such property as may properly be contained therein, for any time not exceeding five (5) years and not to extend beyond the limited duration of the charter and for an amount not exceeding $4,500.00 on any one risk. Any such company may reinsure the whole or any part of its risks in any other company organized under this Act or may underwrite the whole or any part of the risks of another company so organized. All persons so insured shall give their obligations to the company, binding themselves, their heirs and assigns to pay their pro rata share to the company of the necessary expenses and of all losses by windstorms which may be sustained by any member thereof during the time for which their respective policies are written, and they shall also, at the time of effecting the insurance, pay such percentage in cash and such other charges as may be required by the rules or by-laws of the company.

9. Any such company may insure any property within the limits of the county comprised in the formation of the company and any property in an adjoining county in which no company organized under this

Act exists but shall not insure any property within the limits of any city containing over twelve thousand (12,000) inhabitants at the time of the organization of the company.

§ 11. Whenever the amount of any loss shall have been ascertained which exceeds in amount the cash funds of the company, the president shall convene the directors of the company, who shall make an assessment for an amount sufficient to pay all losses and indebtedness of the said company up to the time said assessment is made, and an additional amount in excess thereof, not to exceed one-tenth of one per cent of all the insurance in force at the time of so making said assessment, upon all the property, distributing the same pro rata against such several pieces of property insured by the company. APPROVED June 22, 1917.

DISCRIMINATION BETWEEN LIFE INSURANCE COMPANIES FORBIDDEN. § 1. Amends sections 2 and 3, Act of 1891.

(HOUSE BILL No. 701.

§ 2. Penalty for unjust discrimination.

§ 3. Penalty for violating Act.

APPROVED JUNE 26, 1917.)

AN ACT to amend sections 2 and 3 of an Act entitled, "An Act to correct certain abuses and prevent unjust discriminations of and by life insurance companies doing business in this State, between insurants of the same class and equal expectation of life, in the rates, amount or payment of premiums, in the return of premiums, dividends, rebates or other benefits," approved June 19, 1891, in force July 1, 1891.

SECTION 1. Be it enacted by the People of the State of Illinois, represented in the General Assembly: That sections 2 and 3 of an Act entitled, "An Act to correct certain abuses and prevent unjust discriminations of and by life insurance companies doing business in this State, between insurants of the same class and equal expectation of life, in the rates, amount or payment of premiums, in the return of premiums, dividends, rebates or other benefits," approved June 19, 1891, in force July 1, 1891, be and the same are hereby amended to read as follows:

§ 2. If any manager or managers, general agent or general agents, agent or agents of any life insurance company, or association, shall make any unjust discriminations as enumerated in section 1 of this Act, or if any such company or association shall, acting through any general officer, consent thereto, the same shall be deemed guilty of having violated the provisions of this Act and, upon conviction thereof, shall be dealt with as hereinafter provided.

§ 3. Any such life insurance company or association, which shall transact its business in this State in violation of the provisions of this Act, as aforesaid, shall be subject to a penalty of not less than five hundred dollars or more than one thousand dollars, and any manager or managers, general agent or general agents, agent or agents, who shall violate any of the provisions of this Act shall be subject to a penalty of not to exceed one hundred dollars, all such penalties to be sued for and recovered in the name of the People of the State of Illinois, by the State's attorney of the county in which the manager or managers,

general agent or general agents, agent or agents, committing the offense. or through whom it is committed, may reside, or of the county in which the offense is committed: and any said penalty, when recovered, shall be paid into the treasury of said county. And it is hereby made the duty of the Department of Trade and Commerce, upon conviction had as aforesaid or penalty recovered against any manager, general agent or agent, for any violation of this Act, at once to revoke, cancel and annu the certificate of authority issued to such manager, general agent or agent by the Department of Trade and Commerce; and upon conviction had as aforesaid or penalty recovered against any such company, for any violation of this Act, at once to revoke, cancel and annul the certifcate of authority issued by the Department of Trade and Commerce to the manager, general agent or agent of said company through whom such offense is committed.

AN ACT to amend an Act entitled, "An Act to provide for the organization and management of fraternal beneficiary societies for the prupose of furnishing life indemnity or pecuniary benefits to beneficiaries of deceased members, or accident or permanent indemnity disability to members thereof, and to control such societies of this State and of other states doing business in this State, and providing and fixing the punishment for violation of the provisions thereof, and to repeal all laws existing which conflict therewith," approved and in force June 22, 1893, as subsequently amended, by amending the first section of such Act.

SECTION 1. Be it enacted by the People of the State of Illinois, represented, in the General Assembly: That an Act entitled, "An Act to provide for the organization and management of fraternal beneficiary societies for the purpose of furnishing life indemnity or pecuniary benefits to beneficiaries of deceased members, or accident or permanent indemnity disability to members thereof, and to control such societies of this State and of other states doing business in this State, and providing and fixing the punishment for violation of the provisions thereof, and to repeal all laws now existing which conflict therewith," approved and in force June 22, 1893, as subsequently amended, be and the same is hereby amended, by amending the first section of such Act to read as follows:

§ 1. A fraternal beneficiary society is hereby declared to be a corporation, society or association formed, organized or carried on for the sole benefit of its members and their beneficiaries, and not for profit.

Each society shall have a lodge system, with ritualistic form of work and representative form of government, and may make provisions for the payment of benefits in case of disability and death, or of either. resulting from either disease, accident or old age of its members. In all

meetings of any such society, organized under this law or heretofore organized, no member shall be allowed to cast more than one vote in any election of its officers, or on any question submitted therein, and the members, officers, representatives or delegates of a fraternal beneficiary 30ciety shall not vote by proxy. Any such society, order or association may create, maintain and disburse a reserve fund in accordance with its constitution and by-laws. Such reserve fund, if any, shall represent certain prescribed accumulations or percentage, retained for the benefit of its members or their beneficiaries, and no part thereof shall be used for expenses, nor for any purpose except the payment of death and disability claims. The payment of such benefits in all cases being subject to compliance by the member with the contract rules and laws of the ociety: Provided, the period in life at which payment of physical disability benefits on account of age may commence shall not be under seventy (70) years. The fund from which the payments of such benefits shall be made, and the fund from which the expenses of such ociety shall be defrayed, shall be derived from assessments or dues collected from its members. Payments of death benefits shall only be paid to the families, heirs, blood relations, affianced husband or affianced vife of or to persons dependent upon the members: Provided, that a nember who is totally and permanently disabled, either from accident, lisease or old age, or is without means of support, may, with the conent of the society, if the by-laws so provide, make a charitable instituion, trust company the lodge or subordinate body of the society of which e is a member, or any person or persons entering into an agreement n writing in manner and form satisfactory to said society, to support uch member, the beneficiary in his certificate: Provided, that a memer having no husband, wife or children living may, with the consent of he society, make a charitable institution his beneficiary: Provided, owever, that societies formed to include only the membership of any eligious denomination may be permitted to provide that benefits under heir certificates of membership may be paid to religious or charitable nstitutions. The members of any religious denomination may incorpoate under this Act, and shall only be required to have a lodge or branch ystem and a representative form of government.

Membership in such corporation shall be confined to the members. f such religious organization. Commercial travelers shall also be llowed to incorporate under the provisions of this Act, but membership f such incorporation shall be confined to those actively engaged as ommercial travelers, and officers, buyers or sellers for corporations, ssociations and co-partnerships, or individuals who employ commercial raveling men. Such commercial travelers' incorporation shall have a odge or branch system and representative form of government. uch societies shall be governed by this Act, and shall be exempt from e provisions of all insurance laws in this State, and no law hereafter assed shall apply to them unless they be expressly designated therein: rovided, that this Act shall not be construed to prevent any society. aving a supreme lodge with separate jurisdiction, which by their law rovide for a general relief or reserve fund, for making assessments to

All

pay its

pro rata share of such relief or reserve fund, or from receiving their pro rata of any such fund.

AN ACT to amend an Act entitled, "An Act to provide for the organiza tion and management of fraternal beneficiary societies for the purpose of furnishing life indemnity or pecuniary benefits to beneficiaries of deceased members, or accident or permanent indemnity disability to members thereof; and to control such societies of this State and of other states doing business in this State, and providing and fixing the punishment for violation of the provisions thereof, and to repeal al laws now existing which conflict herewith," approved and in force Jun22, 1893, as subsequently amended, by adding thereto six (6) newi sections to be known as sections two-a (2a), two-b (2b), two-c (2c). two-d (2d), two-e (2e), and two-f (2f).

SECTION 1. Be it enacted by the People of the State of Illinois. represented in the General Assembly: That an Act entitled, "An Act to provide for the organization and management of fraternal beneficiary societies for the purpose of furnishing life indemnity or pecuniary bene fits to beneficiaries of deceased members, or accident or permanent indemnity disability to members thereof; and to control such societies of this State and of other states doing business in this State, and provid ing and fixing the punishment for violation of the provisions thereof, and to repeal all laws now existing which conflict herewith," approvel and in force June 22, 1893, as subsequently amended, be and is hereby amended by adding six (6) new sections thereto to be known as sections two-a (2a), two-b (2b), two-c (2c), two-d (2d), two-e (2e), and two-f (2f), to read as inserted at length herein.

S2a. Any fraternal benefit society authorized to do business in this State and operating on the lodge plan, may provide in its constitution and by-laws, in addition to other benefits provided for therein, for the payment of death or annuity benefits upon the lives of children betweer the ages of 2 and 18 years at next birthday, for whose support and maintenance a member of such society is responsible. Any such society may at its option organize and operate branches for such children and membership in local lodges and initiation therein shall not be required of