delivered the opinion of the court.
It is contended on the part of appellant that where the assured has a right to change the beneficiary under a life insurance policy, with the consent of the company, and does all that he is required to do, and all that is in his power to do, and dies before the change of beneficiary is consented to by the company, equity will declare the change complete and act as though the consent had been given. There is no doubt in this case and no dispute that the insured, Joseph Freund, had done before his death all that he was required to do or could do on his part to make effectual the change making appellant, his wife, the beneficiary. It is contended, however, on the part of the guardians, that actual consent of the company indicated by its endorsement on the policy in accordance with the provision of the clause quoted in the preceding statement, is essential to make the change effectual and that this consent not having been so given prior to the death of the insured the proposed change of beneficiary never took effect. It is conceded that equity would declare the change complete provided there remained nothing to be done by the company except to perform some purely ministerial duty which it had no discretion to refuse. In Fink v. Fink, 171 N. Y. 622, the court says that “mere intention to make a change is not enough, for the acts prescribed to carry the intention into effect are forms imposed upon the execution of the power and they must be observed or the change cannot be effected.” Appellees insist that such a provision is to be strictly construed (Hotelmen’s Mut. Ben. Ass’n v. Brown, 33 Fed. Rep. 11), and that under' the laws of New York, lex loe% the actual consent of the insurance company was necessary, citing Joyce on Ins., sec. 756; Armstrong v. Warren, 83 Hun, 219; Thomas v. Thomas, 131 N. Y. 205. There is, however, a distinction of fact between the case at bar and cases like Fink v. Fink, supra. In that case the assured had mailed a letter which did not reach the association until after his death, requesting a change of beneficiary, thus making the-postoffice department his agent; but the *568case at bar is more nearly akin to Luhrs v. Luhrs, 123 N. Y., 367-373. The notice and policy were actually delivered by the insured before his death to the insurance company at its branch office in Chicago. There was nothing more required to be done by the assured to make the change effectual. There is testimony tending to show that the company had been accustomed to treat the change as accomplished when it received the notice with the policy for endorsement, simply making a record of the change and returning the policy to the insured; and it is insisted by counsel for appellant that what remained to be done by the company after receipt of the notice and policy were but ministerial acts; that the consent of the company had in fact been given in the policy itself by the terms of the provision relating thereto. In this view we are inclined to concur. The provision of the policy is that the insured “may at any time,” while the policy continues in force and unassigned, change the beneficiary by a written notice to the company at its home office, accompanied by the policy. The change is to take effect upon its endorsement on the policy, but the consent of the company had been given beforehand and embodied in the foregoing provision, as part of the policy itself. The company appears to have treated its endorsement of the previous changes as a mere ministerial act. Forms were madé out and furnished by the company, which the insured made use of. The notice read, “ The beneficiary under the accompanying policy * * * in accordance with the change of beneficiary clause thereof is hereby changed from,” etc. The endorsement of a former change on the policy reads: “By written notice to the company the insured has changed the beneficiary of this policy to,” etc. It is, we think, beyond reasonable question that the company acted upon the theory that its consent to changes had been previously given, and treated the change as effected by the act of the insured in giving notice and sending in the policy. The printed forms must be taken as expressing the understanding and intention of the company which .prepared and furnished them. Highland *569v. Highland, 109 Ill. 366. The assured having done all that was required of him to make appellant the beneficiary, and the company having given its consent, nothing remained to be done except the formal endorsement of the change on the policy. The insured died before this was done. In equity the change must be regarded as accomplished. Hall v. Allen, 75 Miss. 175-212, and cases there cited; A. & E. Ency. of L., vol. 3, 2nd ed., p. 999, note d.
For the reasons indicated the decree of the Superior Court must be reversed and the cause remanded for proceedings not inconsistent with the views herein expressed.
Reversed and remanded.