The three defendants, other than the Iowa Legion of Honor, are the legitimate children of B. B. Combs, deceased, and to these the entire indemnity of four thousand dollars was paid. The plaintiff is the guardian of Erank A., Burr J., and Lodena Combs, and bases his right of recovery on the claim that they are the illegitimate children of the deceased, and were recognized by him as such. Each of the two certificates provided that Combs was “entitled to all the rights and privileges of membership in the Iowa Legion of Honor, and to participate in the beneficiary fund of the order, to the amount of two thousand ($2,000) dollars, which shall, at his death, be paid to his legal heirs.”
1 I. These certificates must be regarded as written contracts which fix the rights of all parties. Bolton v. Bolton, 73 Me. 299; Com v. Wetherbee, 105 Mass. 149; Supreme Lodge v. Nairn, 60 Mich. 44 (26 N. W. Rep. 826); Brace v. Chartrand, 16 Colo. Sup. 19 (12 L. R. A. 209, 26 Pac. Rep. 152). The promise to pay is absolute, and, upon the death of the assured, his “legal heirs” acquired a vested interest in the benefits 'for which the insured had contracted. Schunck v. Gegenseitiger Witten & Waisen Fund, 44 Wis. 369; Association v. Montgomery, 70 Mich. 587 (38 N. W. Rep. 588); Thomas v. Leake, 67 Tex. 469 (3 S. W. Rep. 703); Brace v. Chartrand, supra. See Carpenter v. Knapp, 101 Iowa, 712; Schoep v. Insurance Co. 104 Iowa., 358; McGuire v. Brown, 41 Iowa, 650. This is by way of analogy with the vesting of estates under wills. A life insurance policy is of like nature, and, in so far as may be, should be treated like a testament. By section 3385 of the Code, .illegitimate children, when recognzied in writing, or generally and notoriously, by the father, become his legal heirs; and the wards of the plaintiff, if children of the deceased, and so recognized, are included within the designa*443tion. of tbe certificates. McGuire v. Brown, 41 Iowa, 650; Milburn v. Milburn, 60 Iowa, 412; Blair v. Howell, 68 Iowa, 619; Crane v. Crane, 31 Iowa, 296; 3 Am. & Eng, Enc. Law (2d Ed.) 971. Tbe association undertook to pay tbe indemnity to the “legal heirs,” and was not relieved from so doing by diligence in making inquiry, or because of tbe father’s failure to disclose tbe number and relationship of bis progeny. Nor was be called upon to explain who bis “legal heirs” were, and surely be cannot be accused of tbe fraudulent concealment of that which be was not bound to' disclose.
2 II. Tbe payment to part of the heirs did not discharge tbe obligation to the others. Tbe amount due on tbe certificate was not a joint indebtedness, in the sense that payment to part of the heirs might operate as a discharge as to all. Tbe portion belonging to each became accurately fixed and ascertained by tbe law of descent, upon tbe death of tbe insured. Hnless. the intention is expressed to tbe contrary, a conveyance to two or more persons creates a tenancy in common. Code, section 2923. What might be a joint tenancy at common law becomes a tenancy in common under the provisions of our statute. For this reason Farr v. Grand Lodge of A. O. U. W. 83 Wis. 446 (53 N. W. Rep. 738), is not in point, as tbe certificates do not indicate an intention that tbe “legal heirs” shall be joint tenants.
3 III. Tbe Iowa Legion of Honor asserts that by making tbe other defendants parties, and claiming a part of tbe money by it paid to them, tbe plaintiff Avaived bis right to recover from it. A sufficient ansAver to the contention is that such a waiver was not pleaded, and for this reason is not an issue in tbe case.
4
*4445 *443IV. ' The legitimate children insist that, as judgment was entered dismissing tbe petition against tbe IoAva. Legion of Honor, they were entitled, under section 3502 of the Code, to have tbe action dismissed as to them. A sufficient answer to this contention is that they did not apply for such relief. Such a dismissal is only authorized upon motion. Nor were they relieved from SO’ doing by the aver*444ment in their answer that the action had been brought in the wrong county. That issue had been litigated by the ruling on the motion for change of venue, and could not be again raised. Kelley v. Cosgrove, 83 Iowa, 229. Nor were they relieved from so doing by reason of the. court taking the case under advisement. The motion might only have been properly presented upon the final determination of the liability of the Iowa Legion of Honor. Besides, as we have seen, that association ought not to> have been discharged under the finding of the court that the appellees were the children of Combs, and had been so recognized. The case was tried by the equitable method, and must be heard de novo here. Are the wards of the plaintiff the children of the deceased ? During the two years prior to1 his death, Mrs. Botts lived in what she supposed to be the family of Combs, at Wichita, Kansas. It was composed of Miss A. C. Bunn, whom he introduced as Mrs. A, C. Combs, and treated as his wife, and these children, who were hers, and treated by him as his own. He maintained the children and their mother as though his own family, and referred to them as his children. ITer testimony is confirmed by that of Casey, who knew the mother, ■ their way of living, and heard Combs refer to himself, in speaking to the children, as “papa,” and on one occasion heard him say the boys belonged to him. The children went by the name of Combs. It may be said, in explanation of the possibility of the anomalous life Combs appears to have led, that he was a traveling man, dealing in paints used on the roofs of buildings, and was away from his family living in Burlington most of the time. For several years before his death he seems to have been in Wichita and vicinity, — at least, to have made his headquarters there. Several witnesses, who were personal acquaintances of the deceased, living in Wichita, and somewhat intimate with him, testified that they knew nothing of Miss Bunn, Mrs. A. C. Combs, or these children. They were, however, acquaintances of his family, to whom he would not be likely to disclose his relations with *445this woman., and their evidence throws little light upon Oomb’.s relationship with her or her offspring. Wichita then had about thirty thousand inhabitants, and Miss Bunn and children might well have been there without their knowledge. Without reviewing the evidence and circumstances in detail, it will be sufficient to say that we are satisfied with the finding of the district court. The general moral character of Mrs. Botts and Oasey is attacked by two witnesses who' testified orally. The particular vice charged is not necessarily inconsistent with veracity, and in view of the fact, that the trial occurred so distant from their homes that this could not well be met, and as their evidence is not contradicted in any way, we are inclined to think them entitled to credit.
6 V. That Combs did not recognize these children generally and notoriously cannot be questioned. His family and intimate friends did not know of their existence. Did he do so in writing? We need only set out extracts from letters shown to have been written by him to Miss Bunn, or Mrs. A. C. Combs, as she was called. In one, written shortly before his death, after explaining his condition he wrote: “Can’t sit up in bed but a little bit at a time, so cannot write much. Kiss our baby for me. Don’t feel worried, for the doctor says he will pull me through all right. Love to all. 0.” It should be said that Lodema was then less than a year old. Again: “October 9, 1889. My Darling: I am well, but worried a little. * * * Pay one month’s rent, and I will pay balance when I Cbme. Hope you are well. Kiss our boys for me. Por your back, rub a little of the ointment on it, and take a tablespoonful of niter in one-half glass of water night and morning. Good-by, my love. I will soon be with you soon. 0.” Another letter of affection to Miss Bunn, written by deceased, was introduced, but does not relate to these children. He indorsed an insurance policy of the A. O. 1J. W. in 1884: “I bequeath this $2,000 to Mrs. A. C. Combs for her use, — herself and boys. K. B. Combs.” It appears that in'an action on this policy, *446to which appellants were parties, Miss Bunn, who died shortly after Combs, testified that she had lived with him over twenty years. To the evidence of this there was no exception. It may be added that that action was compromised by the payment of the one-seventh of the indemnity to the widow, and one-seventh to each of the children. He executed to> her; a note of one thousand five hundred dollars, to be void if she died before he did, apd recovery was had on this in Kansas against his estate. In the light of the circumstances shown, these letters clearly recognize the boys and the baby as his own. True, he might have so written of other children. But these letters were written to the mother with whom he was living and cohabiting, and very evidently referred to the children belonging to both. This is the only natural inference to be drawn. In view of their manner of living, they point out the very children mentioned as “our baby” and “our boys.” The evidence is not so conclusive as that considered in Crane v. Crane, 31 Iowa, 303, but clearly brings the case within the terms of the statute.
7 The association suggests that the plaintiff be required first to collect from the other defendants, and, in event of failure to do so, it be subrogated to his rights therein. Such relief is not included in its prayer, and for this reason must be denied. On plaintiff’s appeal, reversed, and otherwise affirmed. — Modified and affirmed.