Waggoner v. Burg, 147 S. W. 342, p. 309 (168).

Wagner v. Westchester Fire Ins. Co., 50 S. W. 569, p. 21 (84), 101 (591), 102 (595), 104 (613), 189 (1230).

Warren v. Springfield F. & M. Ins. Co., 35 S. W. 810, p. 54 (280), 122 (722).

Washington Fire Ins. Co. v. Cobb, 163 S. W. 608, p. 58 (315), 64 (339, 340, 341), 139 (854, 855), 172 (1097).

Washington Life Ins. Co. v. Berwald, 12 S. W. 436, p. 382 (601); 72 S. W. 436, p. 338 (326), 339 (331); 76 S. W. 442, p. 319 (224, 225).

Washington Life Ins. Co. v. Gooding, 49 S. W. 123, p. 317 (212, 213), 397 (692).

Washington Life Ins. Co. v. Lovejoy, 149 S. W. 398, p. 303 (138, 139), 305 (150), 311 (180), 318 (216 to 220).

Washington Life Ins. Co. v. Reinhardt, 142 S. W. 596, p. 287 (41 to 45).

Waters v. Wandless, 35 S. W. 184, p. 16 (49).

Westchester Fire Ins. Co. v. McMinn, 188 S. W. 25, p. 40 (206), 41 (211), 86 (496), 180 (1161), 193 (1262).

Westchester Fire Ins. Co. v. Wagner, 38 S. W. 214, p. 27 (116, 120), 108 (639), 124 (736); 30 S. W. 959, p. 186 (1211). Westchester Ins. Co. v. Storm, 25 S. W. 318, p. 86 (499), 89 (522). Western Assur. Co. v. Hillyer-Deutsch-Jarratt Co., 167 S. W. 816, p. 21 (82), 30 (143), 63 (330), 71 (381), 100 (586), 151 (933), 162 (1018), 175 (1124, 1125), 192 (1249).

Western Assurance Co. v. Kemendo, 60 S. W. 661, p. 81 (445), 82 (451), 83 (460, 466).

Western Indemnity Co. v. MacKechnie, 185 S. W. 615, p. 491 (12), 505 (80, 81), 517 (148), 524 (205).

West v. Grand Lodge of the A. O. U. W., 37 S. W. 966, p. 548 (80), 583 (281).

Whaley v. Bankers' Union of the World, 88 S. W. 259, p. 538 (33), 542 (53, 54).

Wichita Southern Life Ins. Co. v. Roberts, 186 S. W. 411, p. 342 (248), 348 (379, 380), 387 (632).

Wilkinson v. Travelers' Ins. Co., 72 S. W. 1016, p. 292 (81), 497 (37a, 37b), 501 (53), 514 (133).

Williamsburg City Fire Ins. Co. v. Weeks Drug Co., 133 S. W. 1097, p. 73 (402), 75 (411), 119 (704).

Williams v. Detroit Oil & Cotton Co., 123 S. W. 405, p. 482 (27). Williams v. Fletcher, 62 S. W. 1082, p. 583 (279).

Wilson v. Aetna Ins. Co., 33 S. W. 1085, p. 86 (497).

Wilton v. New York Life Ins. Co., 78 S. W. 403, p. 294 (96), 295 (104), 397 (687).

Woodall v. Pacific Mutual Life Ins. Co., 79 S. W. 1090. p. 358 (441), 359 (444), 511 (113), 526 (220, 221).

Wooden v. Wooden, 116 S. W. 627, p. 587 (300), 592 (329).

Woodmen of the World v. Dodd, 134 S. W. 254, p. 568 (193), 590

(317).

Woodmen of the World v. Hipp, 147 S. W. 316, p. 590 (318, 319),

603 (433).

Woodmen of the World v. Locklin, 67 S. W. 331, p. 598 (354), 610 (450), 612 (460), 615 (470), 616 (475), 617 (485).

Woodmen of the World v. McCoslin, 126 S. W. 894, p. 609 (437), 614 (462, 463, 464, 466), 616 (472).

Woodmen of the World v. Torrence, 103 S. W. 652, p. 592 (327). Works, Pritchett & May v. Springfield F. & M. Ins. Co., 79 S. W. 42, p. 87 (506).

Wright v. Grand Lodge K. P., Colored, 173 S. W. 270, p. 581 (270), 582 (277), 600 (369, 370), 619 (499, 502).

Wright v. Hartford Fire Ins. Co., 118 S. W. 191, p. 52 (263, 264).

Young v. State Bank of Marshall, 117 S: W. 476, p. 375 (549).

*KEY NUMBER INDEX TO

NOTES.

I.

(For Fraternal Benefit Insurance Notes, see post page 742.)

CONTROL AND REGULATION IN GENERAL.

2. What Constitutes Insurance, 276.

3. Power to Control and Regulate.

4.

5.

7.

8.

Constitutional and Statutory Provisions, 1, 276, 479 (1, 2,
3, 4, 5), 656 (1, 2, 3, 4).

Authority or License to do Business, 4.

License Fees and Taxes, 5.

Resources and Securities.

15.

Supervision by Public Officers or Courts.

16.

Foreign Underwriters or Companies and Their Agents.
What Constitutes "Doing Business," 278.
Application of Local Laws, 278, 657.

17.

18.

20.

21.

22.

24.

25.

Subjection to Special Requirements, 6, 657 (12,
13, 14, 15, 16, 17, 18).

Local Authority or License and License Fees or
Taxes, 278.

Local Funds and Securities, 6, 279.

Appointment and Regulations of Local Agents, 7.
279.

Effect of Non-compliance with Law.

Civil Liability of 'Agents.

26. Actions, 280, 676 (1).

30. Offenses by Officers, Agents or Brokers.

Incorporation, Organization, and Existence, 282, 676 (2).

33. Capital and Stock, 282, 676 (3), 670 (1).

Incorporation, Organization and Existence, 10, 676 (4).
Constitutions and By-Laws, 487.

(B)

*As a means of reference, all of the Southwestern key-numbers are
here given, even though not referred to in the notes.

II.

III.

INSURANCE COMPANIES (Continued).

64. Remedies, and Proceedings on Insolvency, 12.
Proceedings to Enforce Dissolution, 12.
Assets and Receivers, 12.

69.

70.

71. Assessments by Receivers.

INSURANCE AGENTS AND BROKERS.
(A) Agency for Insurer.

(B)

73.

74.

76.

77.

78.

79.

81.

82.

83.

84.

85.

86.

93.

94.

The Relation in General, 13.

Appointment or Employment of Agent, 14, 284.
Evidence as to Agency, 14, 285, 658 (21, 22).
Estoppel to Deny Agency.

Scope and Extent of Agency, 14.

Duration and Termination of Agency, 285.

Individual Interest of Officer or Agent.

Accounting by Agent.

Liabilities of Agents and Their Sureties, 15, 286, 658 (23).
Compensation of Agent, 15, 287, 480 (7).

Breach of Contract by Principal, 289.

Extent and Exercise of Powers of Agents, 16.

Unauthorized and Wrongful Acts of Agents, 17, 291.
Ratification, 17, 292.

95. Notice to Agent, 18.

103.

107.

109.

111.

Agency for Applicant or Insured.

96. Creation of Agency to Procure Insurance in Gen-

eral, 18.

99. Notes for Stock, 670 (2).

Authority and Duties of Agent as to Principal, 19.

Extent and Exercise of Powers of Agent.

108. In General, 19.

Representation of Both Parties, 292.

Unauthorized and Wrongful Acts of Agents, 20.

113. Notice to Agent, 20.

IV. INSURABLE INTEREST.

114.

Necessity in General.

115. What Constitutes Interest in General, 21.

116.
118.

What Constitutes Interest in Human Life or Health, 294.
Insurance Without Interest, 295.

119. Wagering Policies in General, 295.

121. Necessity of Interest to Sustain Assignment.

122.

123.

Assignment of Policy to Person Without Interest, 295.
Extinguishment of Interest.

Subjects of Insurance.

Executory Agreements to Insure, 22.

Powers of Agents in Respect of Contracts in General, 299.
Application or Offer and Acceptance, 22, 299, 490.

131. Validity of Oral Contracts, 23, 300.

V.

VI.

THE CONTRACT IN GENERAL (Continued).

132.

133.

134.
135.

136.

Binding Slips or Memoranda, 23.

Form and Requisites of Policy, 23, 300, 657 (7, 8, 9).
Papers Accompanying Policy, 24, 301, 677 (5), 658 (20).
Incorporation of Constitution, By-laws, or Rules of In-
surer, 490.

Delivery and Acceptance of Policy, 24, 301, 490.
137. Payment of Premium or Dues, 24, 302.

138.

139.

140.

Validity in General, 25, 490, 657 (10, 11).

Legality of Object.

Partial Invalidity.

1401. Amount of Insurance.

141.

142.

143.

144.

145.

(B)

146.

147.
150.
151.

152.

154.

155.

156.

Estoppel or Waiver as to Defects or Objections, 26, 302.
Ratification of Defective or Invalid Contract, 26.

Reformation, 27, 303, 490.

Modification, 28, 303.

Renewals, 29, 480 (8), 677 (6).

Construction and Operation.

Application of General Rules of Construction, 30, 304, 480
(9), 491, 656 (3, 4), 677 (7, 8).

What Law Governs, 32, 305, 491.

Matter on Margin of or Slip Attached to Policy, 32, 306.
Construing Together Policy and Accompanying Papers, 306,
491, 677 (9, 10).

Construing Statutes and Charter, By-laws or Rules of In-
surer as Part of Policy, 492.

Construction by Parties.

Evidence to Aid Construction.

Parties to Contract and Relations Between Them, 492.
157. Subject Matter Insured in General.

Description of Property, 33.
165. Description of Location, 35.
Duties and Obligations Guarantied.
Amount of Insurance.

171. Amount Fixed by Policy in General.
172. Amount of Insurance-Valued Policy, 35.
175. Commencement of Risk, 35.

176.

Term and Duration of Risk, 36, 480 (10).
177. Term Fixed by Policy in General, 36.

179. Entire or Severable Contract, 36.

1791. Loans on Policies, 306.