40-704. History: L. 1927, ch. 231, § 40-704; L. 1931, ch. 205, § 1; L. 1943, ch. 184, § 1; L. 1972, ch. 183, § 1; Repealed, L. 1988, ch. 154, § 46; January 1, 1989. Source or prior law: L. 1898, ch. 23, § 1; L. 1899, ch. 147, § 1; L. 1917, ch. 208, § 1; L. 1919, ch. 216, § 1; R.S. 1923, 40-701. CASE ANNOTATIONS 1. Only persons designated in statute have an insurable interest. Gillam v. Dale, 69 Kan. 362, 365, 76 P. 861. 2. Members are bound by subsequent changes in bylaws. Miller v. National Council, 69 Kan. 234, 235, 76 P. 830. 3. Service of process upon foreign association made upon superintendent. Mystic Legion v. Brewer, 75 Kan. 729, 90 P. 247. 4. Chapter 271, Laws of 1905 (see K.S.A. 40-415); no application to fraternal benefit societies. Boice v. Shepard, 78 Kan. 308, 310, 96 P. 485. 5. Who may be beneficiaries; word "dependent" construed. Modern Woodmen v. Comeaux, 79 Kan. 493, 494, 101 P. 1. 6. Liability of successor to holder of benefit certificate. Cooley v. Gilliam, 80 Kan. 278, 289, 102 P. 1091. 7. Old certificates fully paid up not affected by later amendment. Hart v. Annuity Assoc., 86 Kan. 318, 320, 120 P. 363. 8. Devise and bequest of estate, by will, to association; invalid. Kennett v. Kidd, 87 Kan. 652, 658, 125 P. 36. 9. Fraternal beneficiary societies cannot take under will. Kennett v. Kidd, 89 Kan. 4, 5, 130 P. 691. 10. Divorced wife not dependent upon testator cannot claim as beneficiary. Johnson v. United Workmen, 91 Kan. 314, 316, 321, 137 P. 1190. 11. When interest in policy becomes vested in beneficiary named; divorcee entitled to recover, when; section applicable only to beneficiary associations. Filley v. Insurance Co., 93 Kan. 193, 194, 197, 144 P. 257. 12. Authority of association to change certificates to conform to law. Kirk v. Aid Association, 95 Kan. 707, 711, 149 P. 400. 13. Obligation of association can be discharged only by full payment. The State, ex rel., v. United Workmen, 97 Kan. 585, 587, 155 P. 785. 14. Fraternal societies organized prior to act 1898 controlled thereby. Kirkpatrick v. Abrahams, 98 Kan. 685, 689, 159 P. 13. 15. Transfer of assets; assumption of liabilities by another corporation. Jackson v. Insurance Co., 101 Kan. 383, 387, 167 P. 1046. 16. Provision in certificate for payments on reaching certain age void. Messenheimer v. Fraternal Aid Union, 103 Kan. 552, 554, 175 P. 679. 17. Attempt to change beneficiary; bylaw not observed; equitable fulfillment. Bishop v. Roberts, 104 Kan. 181, 183, 178 P. 409. 18. Member may designate his uncle as beneficiary; blood relatives. Kloss v. American Yeomen, 105 Kan. 711, 712, 185 P. 1058. 19. Agreement not to change beneficiaries; statute not retroactive. Gaston v. Clabaugh, 106 Kan. 160, 161, 186 P. 1023. 20. Chapter 226, Laws of 1907 (see R.S. 1923, 40-330 and 40-331); no application to fraternal benefit insurance. Glasgow v. Woodmen of the World, 107 Kan. 354, 356, 191 P. 470. 21. Terms of certificate may be changed; change binding upon members. Dey v. Knights and Ladies of Security, 113 Kan. 86, 92, 213 P. 1066, 1069. 22. Merger of beneficiary societies; measure of obligation of reinsuring society; change of assessments or benefits after merger not forbidden. Roper v. Columbian Circle, 113 Kan. 280, 284, 214 P. 421. 23. Foster child, never legally adopted, not heir of foster father. Hickok v. Johnston, 115 Kan. 845, 847, 224 P. 905. 24. Member cannot enjoin merger of fraternal beneficiary associations. Cavlovic et al. v. Croatian Beneficiary Association, 117 Kan. 545, 547, 232 P. 598. 25. Where designated beneficiary disqualified, widow entitled to intervene. Lodge v. Order of United Commercial Travelers, 120 Kan. 439, 442, 244 P. 4. 26. Section prohibits beneficiary from taking vested interest before death of insured. Loveless v. Ott, 121 Kan. 728, 731, 250 P. 324. 27. Benefit society only one that may object to designated beneficiary. Obrist v. Grand Lodge, 123 Kan. 616, 618, 256 P. 955. Limited: Bussey v. Praetorians Life Ins. Co., 138 Kan. 575, 580, 27 P.2d 275. 28. Foster mother not dependent disqualified as beneficiary under statute. Rollins v. Independent Order, 124 Kan. 166, 168, 257 P. 754. 29. Death of beneficiary before insured, administrator cannot recover on beneficiary certificate. Kessinger v. Ancient Order of United Workmen, 128 Kan. 76, 77, 276 P. 51. 30. Agreement making ineligible person beneficiary held void. Coffman v. Security Benefit Association, 131 Kan. 328, 330, 291 P. 753. 31. Law where society located governs as to who may take as beneficiary. Thomas v. Supreme Lodge, 131 Kan. 180, 184, 289 P. 440. 32. Cited in holding benefit society cannot issue "level premium" policy. A.O.U.W. v. Hobbs, 136 Kan. 708, 710, 18 P.2d 561. 33. Cited; district court's finding insured's divorced wife not his common-law wife upheld. Cable v. Brotherhood of Railroad Trainmen, 150 Kan. 242, 243, 92 P.2d 81. 34. Duties of commissioner under K.S.A. 40-703 held ministerial and not administrative. Fidelity Life Ass'n v. Hobbs, 161 Kan. 163, 166, 170, 166 P.2d 1001. 35. Mentioned; Masonic lodge authorized to take devise of real estate for charitable purpose or to erect meeting place. In re Estate of Bauer, 192 Kan. 538, 541, 390 P.2d 16. Previous | Next LEGISLATIVE COORDINATING COUNCIL General Policies 2026 Archived LCC Documents Archived LCC Meetings REVISOR OF STATUTES Archived Session Documents Archived School Finance Documents USEFUL LINKS Session Laws Kansas Administrative Regulations OTHER LEGISLATIVE SITES Kansas Legislature Administrative Services Division of Post Audit Research Department Contact Us PDF Help www.ksrevisor.gov 2026