ART. 45] LIFE INSURANCE. 1173

This section in connection with section 9, makes it clear that a voluntary
assignment of a policy by a man to his wife or children, is free from all
claims of creditors. Earnshaw v. Stewart, 64 Md. 514.

Purpose of this section. Its application is not restricted to husbands who
are able to pay their debts. Elllott v. Bryan, 64 Md. 370.

A married woman may sue In her own name for insurance under this sec-
tion. Contract for insurance held to have been made with husband and
wife. Mutual Life Ins. Co. v. Stibbe, 46 Md. 312.

See art 23, sec. 158, and art 83, sec. 8.

1904, art 45, sec. 9. 1888, art. 45, sec. 9. 1878, ch. 200. 1898, ch. 457.

9. All policies of life insurance upon the life of any person which
may hereafter mature, and which have been or shall be taken out for
the benefit of or bona fide assigned to the wife or children or any rela-
tive dependent upon such person or any creditor shall be vested in such
wife or children or other relative or creditor, free and clear from all
claims of the creditors of such insured person.

This section in connection with section 8, makes it clear that a voluntary
assignment of a policy by a man to his wife or children is free from all
claims of creditors. The words "bona fide" as here used, construed. Earn-
shaw v. Stewart, 64 Md. 514.

This section does not amend or restrict section 8. It is an enabling, and
not a restraining statute. Elliott v. Bryan, 64 Md. 371.

See art 83, sec. 8.

Ibid, sec. 10. 1888, art. 45, sec. 10. 1860, art. 45, sec. 9. 1840, ch. 212,
sec. 2. 1868, ch. 471, sec. 101. 1898, ch. 457.

10. If the wife shall die before her husband the amount of such
insurance may bo payable after her death to the children or descendants
for their use, and to their guardian, if under age, and, if there be no
children or descendants of the wife living at the time of her death, to
her legal representatives.

An assignment by husband and wife of Insurance payable to the wife may
be made notwithstanding this section. Emerick v. Coakley, 35 Md. 190.

Ibid. sec. 11. 1888, art. 45, sec. 11. 1860, art. 45. sec. 10. 1853, ch. 335.

1898, ch. 457.

11. The receipt of any married woman for the payment of money
deposited by her before or after marriage shall bo a valid discharge to
any individual or corporation making such payment; provided that
nothing contained in this section shall prevent any creditor of the
husband from attaching the same or restraining the payment by injunc-
tion if the deposit was made in fraud of his creditors.

Ibid. sec. 12. 1888, art. 45, sec. 12. 1860. art. 45, sec. 11. 1842. ch. 293,

sec. 5. 1850, ch. 154. sec. 94. 1888, ch. 329. 1894, ch. 326.

1898, ch. 457. 1900, ch. 195.

12. Any married woman may, at whatever ago she may be, relin-
quish her dower in any real estate by the joint deed of herself and
husband or by her separate deed or she may authorize an agent or
attorney to relinquish the same by a power of attorney executed jointly
with her husband or by herself without the joinder of her husband.
And in like manner any husband may relinquish his interest in the real