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About Omaha daily bee. (Omaha [Neb.]) 187?-1922 | View Entire Issue (Feb. 8, 1891)
12 THE OMAHA DAILY BEE ; SUNDAY , FlJJJjKUAKT 8 , l ui SIXTEEN PAGES. IRRIGATION IN NEBRASKA , It Interests AH Glasses of Citizen ! in Every Section of the State. POSSIBILITIES OF THE ARID REGION. IVcBtfrn Nrlranka Cfinnnrca wltli Woslcrn lown Hottlcinont of Nc- brnnka In the Last 'Icn Ycnra nnd In Iho Next ton , ARTICLE VI. Irripatlnn In tlio problem of Nebraska's development. It Is not nlono the problem of n few starving hoinestcwlers on tlio frontier. It should have the attention and support of every tnnn nnil Interest having nnythlnp nt stake In tliu future of this state. In tlio last six months Nebraska has been the victim of n national advertisement of the \vronR Itlnd. It Is now the Interest of every body having tils liomo or capital licro to wipe oul the memory of last summer's ' catastrophe \vltli sonto griuul achievement. The eastern public draws no nlro distinctions between this nnd that , Bcotlon of Nebraska. It knows that a committee * has been scnl to Washing ton to ask the national government for ? I,00,0JO ( ) ( for destitute settlers In this stnto. Tliero Is not a railroad , banker , mer chant or real estate speculator who Is not al most as much Interested In the present effort to prevent inecurrenco of the drouth as the Bottlers In tlio setnl-nrld region themselves. Thus Irrigation becomes n subject of vital Interest to the state. If it Is so regarded it will bo a success , ns It already Is in every stnto which tins adopted it as a necessary means to successful ngiiculturo , There is another aspect in which Irrigation la Inlcrcstlnt : to the state as n whole" . This Is the fact tlnit it will some day bo BonornHy adopted between the Missouri river and tbo 100th meridian , as well as to the west of that mystic line that is now supposed to mark tlio limits of tlio semi-arid region. This , of course , Is not n general/ ! accepted theory , hut it will bo within , the next ten years. When the arid region becomes fat nnd sleek with prosperity , when the demand for brcadstufTs begins to crowd close upon the supply , when the east ern farmer llnds Uio products of his labor unnblo to compete as to quality nnd quantity with tbo Irrigated products of western Ne braska , of Wyoming , Colorado nnd Idaho , then we shall sco the ditches creeping slowly It didn't rain this year it cortnlnly would next year. The result hw been that in the last dccado the region \vo t of the 100th meri dian lias Increased MO per cent In population , and tlmt wo hnvo found our. at In.it that Irri- gallon U absolutely necessary to the retention of these settlers nnd tlio further development of the state In tbo presence of widespread distress wo como at last to tlio work of organizing a movement which was In the beginning the only means of making this region productive. It has a rich soil , a delightful climate and n charmingly picturesque lamlscnjir , but all this counts for nothing without water. It ts Interesting nnd important to consider the possibilities of this section when the missing link shall bo supplied. ii. wr.sTRitN SEiiiusKA AND WKBTCUX IOWA. II certainly requires little hardihood to say that the twenty-live counties In western Ne braska , if they can bo made productive by Irrigation , will bo in tlmo as populous and rich as twenty-flvo counties in western Iowa. Wcslern Iowa is a rich country , but It would boar no comparison cither in the value of Its lands or the amount and quality of Us pro ducts to the irrigated farms nnd ranches of Colorado , Now Mexico , Utah , Idaho nnd California. H docs not possess Uio wonder ful cllmnto and unclouded skies which make western Nebraska delightful. All It has it has earned from a good soil , enriched by a fairly even rainfall and constant cultivation , and with good moans of transportation. And yet it may servo to illustrate the possible future of western Nebraska. In making up the following table to indi cate tbo population of twcnty-flvo counties iu the extreme western portion of Iowa , those containing largo cities , such as'Wood- bury nnd I'ottnwtUtaule counties , are omittod. Nothing which has been accom plished in the following counties of Iowa la Impossible in western Nehraskaif our people ccaso to pray for rain and bogla to dig ditches : fjyoii. M 4W7 Chorolceo li..AM Hloux H.8M U'llrlen 8isu : Plymouth 15.1SI Oseeola. 3,10 Monona UM78 Cluy ( U'H Harrison Si.B'iO ' Iliiunn Vista 11'vf ) Milk i l.V-'T Sac 1S.741 I-'remont liUd'Carroll ' Pane Audilbon Montgomery iwioi Adnins l.U ( > Oass , 1.8111 Tnylor 1W.I .Shelby Ki > U Ailalr I4IU ( Crawford NI.U1 , Outhrlo 10.430 Ida " .or.il These ilgurcs are from the census of IbSl ) . Adding 'JO per cent for tbo increase during the last ten years , which is a tnllo less than the average in iown during that period , wo have a total of 878.007 , which is nearly four times as inntiy people as live In n similar dis trict in western Nebraska. Figures are not at hand for a comparison of the aggregate mid pressing necessity , not only because It will attract now capital and population , but became It will prevent , In a largo degree , the loss of capital already invested nnd h clp to rotnm the people already thoro. To develop the region for what It may hcruaf tor become , Is n duty to the stnto. To develop it for the sake of the men nnd women who are- now struggling for existence on Its rich but and acres , is n duly to liuminlty. Uoth dutlos are urgent , but one Is sacred. Much moro could he written of the possl- hllltlos of the arid region. It would ha easy to fortify these predictions with faats from the history of similar regions In other states. Hut it hardly seems necessary. H must bo perfectly plain to every tninklng- man that Irrigation is essential to prevent the present distress from becoming chronic , and to keep Nebraska moving along In the upward path. iv. IIMIIOATIOV' BTVTB On Juno 2 ( ) , 1S9S ) , n largo and onthuslnitic convention , representing every county , mot In Omaha and organized n state development so ciety * After ono or two ftitllo attempts to got It on Its foot , this organization rolled ever nnd died , It was based on the vague Idoi that Nebraska ought to bo doing something. It passed nwiv because It had no snoclllc thing to do. While , certainly , no humane person would think of dragging this respoct- ablosocloty from its grave , it must still occur to those wlio-havo not forgotten the incident of its organization that the time has oomc to do the work It meant to do. As has boon said at the beginning of thli article , irrigation ts not n narrow sectional question , but the broadest nnd most pregnant factor in the problem of state de velopment. The resources of Nebraska are purely agricultural. Wo have uo mineral wealth to oxpioro , no foroUa to how down , nor navigable rivers to improve. Manufact uring will bo a plant of slow growth , except as it utilizes our ngrlcultur.il products in making sugar , Starch , linen , twiuo , glucose and similar articles. What , then , have wo to develop except to make our rich acres capa ble ot sustaining the largest agricultural pop ulation and thereby Increasing the wealth of the pcoplo ? Irrigation Is the only moans which can bo used to this end. Look at it in another light. For the past ten years Nebraska has boon competing with Kansas und Dakota for immigrants. Hence forward she must enter nnotuer class , for in the next ten years Kansas and Dakota , un less they Join us In the present movement , cannot hope to compote with Colorado , Wyoming , Utah nud Idaho In the matter of attracting new farmers. It must be remembered that Kansas nnd Dakota have been put before tlio eastern public in nn unfavorable light in the last few years , nnd that in the last few months No- I - u/tku * fff-S. | J bs - I Tiv SEMI-A.RID REGION OF NEBRASKA. The white portion of the nbovo mnp shows the sect I on of the state west of the ICOlh Meridian , which Is the scene of the present organized novoment for Irrigation. Tl.o llgurcs rourcscnt Uio population by the latest census. tnstwnrd and irrigation the favorite method of cultivating the soil. For these nnd many other reasons the wholesale merchant of Omaha Is vally ris di rectly interested in the present movement as the nmn who runs a store out on the west ern plains nnd caters to ntmdowhosopockota are as nrld ns their lands. I. ' TUB 1'AST AND 1'IIKSEXT OF TUB AHII > 11U- oios. The * tale of Nebraska scored a wonderful Increase In population during the decade be tween 18SU nnd 1800. It grow from 453,403 to l.OM Oa. or SW per cent. The semi-arid re gion , however , far surpassed the general nv orngo growth of the state. It gained from 11,051 in IsSO to 10J,8ia in 1800 , or 030 per cent. These facts nro strikingly exhibited lu the following table : ISsO. 1000. Dunily . : i7 4,000 ClnibO . 70 4ROi : Hayes . Uf ) 3,050 Hitchcock ' . 1,012 5,707 1'ronller . ICU. 8,471 HedWIllo'V . K91 8.750 Lincoln . ailTU 10Ot I'orUltis . 4iT4 : Keith . 101 2M8 Arthur . 01 Mol'herson . 71U Logan . " 1,372 Vhomiis . B17 Hooker . 4'-'fi ( irunt . 4S8 Ohorry . 0,4'.M Douol . Cheyenne . 1,500 0.002 Scott's UltifT . l.fihG Ihinnor . l',4T > Klniunll . IMS Hhorldnn . 8.H17 llox llutto . 6.478 Bloux . ffW V',440 Unorganized territory. , . . ,2,1)10 ) Totals . 11,131 102,813 These llgurcs do not do entires justice to Cheyenne , ns it has been cut up into five counties since the census of 1S80. In the snmo way some of the counties got credit fern n little moro than their actual growth In the last ten years , as their entire population Is put under the head of 1890 , whereas they fig ured as a part of the unorganized territory in the previous census. But ns a whole the table Is correct and boars marvelous testi mony to tlio growth of the arid region In the last ten years. And It Is Just hero that the important consideration comes in. Ccrtnlu parts of this region have enjoyed a fnir degree of prosperity. They have sup ported n largo number of stockmen , who hnvo shared the varying fortunes of the Chicago market. They have built up several towns that have nt times enjoyed u precarl ous sort of prosperity. But In discussing Irrigation wo are speak ing of agriculture , pure nnd simple , and this has not been n proiUablo occupation. If It hud been n slnslo blighting drouth , such is has been called to the attention of the world during the past fojir months , would not hnvo been followed by a cry of distress , The prosperous farmer can stand nu occasional nf- Illotlon , nnd It is because the farmers in the and region nro not nnd never have been prosperous - porous thut they have been obliged to ask aid as the result of tliu total Milurool their crops. Thus it ts that the state is called upon to con- aider the future of the settlers in the arid re gion as n problem of the most vlt.nl Impor tance to thulr happiness nud to its own repu- tntlon. In tlio past two years homesteaders have rushed to tnka up the vacant lands In the w nt ni half of Nebraska. Land speculators with moro imagination than conscience , have assured thorn that they und only to tickle the pralrlo with the plough to lunkolt laugh with abundant cropi , The constant effort has Ifcn to hold up the delusion that tbo whole f Nebraska ly la tlio rain belt , uud that if wealth , or wealth per capita , in the two sec- | tlons , but from the general character of the localities it is safe to say that if snch a com parison could bo made it would bo startling in its showing against Nebraska. Ono significant fact can bo noted by a glance at the rallrond mnp of tno two states. There are several counties in our arid region whlcli are not penetrated by a single line of railroad. Each ono of the Iowa counties named is gridironed with railroads. This is important as au limitation of the state of development which has teen reached there and may bo reached hero. The object of this comparison is not to show that Nebraska has accomplished loss than Iowa , or less than she ought to. It is simply to nointout what development still watts for our nrld region , In the increase of population , of railroads and of general prosperity , if wo can now relieve it from tbo disadvantages which bear it down. And it is plain thut it it does no hotter than western * Iowa It will nearly quadruple its population , nnd increase Its wealth , its railroads and its towns inmuch [ greater ratio. III. 1-OS8IIIIMTIK8 OK TUB AIIIH HF.OION . Now lot us consider what our arid region can become on the basis of these Iowa statis tics. It is not pretended that every acre weal of the 100th meridian is capable of irrigation. Much of it is sandy and 111 only for grazing , or the cultivation of light crops. Not all of the rich soil can bo reached by water without unreasonable expense- Hut by far the larger portion cnn bo made a most prosperous agri cultural country and the waste places will servo admirably for stock. If n similar district in Iowa , dependent wholly upon rainfall , cnn sustain a popula tion of nearly TSO,000 people , the and region ot Nebraska cnn readily sustain twice that number with Irrigation. It is not unreasona ble , therefore , to predict n growth in popula tion fully equal to the Iown flgurcs in the next ton years. In this connection It must he remembered that it is u somewhat onoious task to cultivate forty acres well with irri gation , and that the proflt&of a farm of that size nro fully equal to the earnings of ICO acres in Iowa. The governor of Iowa recently stated nt aNew Now York banquet that the farmers of his state had made no money in the lust five years. When the governor of Colorado , of Utah or California makes a similar remark about the farmer in his state it will bo time to doubt the feasibility of Irrigation. If , then , the cncrgctia and enterprising men of Nebraska can mnko the desert n gar den nnd put prosperity where distress now nourishes like n rank weed , are there not un told possibilities ot growth in the nu < ct ten yo.u-sl Shall wo uot sco the former. ! multi plied , old towns swelled in population mid now towns springing up Hko magic from the soill With this It.uro.uo In population , shall wo uot hnvo now lines of railway into dis tricts which now only catch a glimpse of the iron horse 03 ho rushes breathlessly on his way from Boston to Sail Fianclseol In other western states , land has risen In value under Irrigation from $1.25 to Ji" per aero in remote ) districts , $50 per acre within a fair distance of largo dtlo * nnd 810J per acre In their immediate vicinity. Sup posing the western homesteader now holds his desolate farm at $3 per acre nnd It rises with irrigation to & 5 , Is uot a vaitsum thereby added to the wealth of the state , M well as to that of individuals I It is unquestionable that a splendid devel opment can bo built up In the arid country , and that It can bo mode the priao of tbo state in the next docado. Hut that Is not the most urgent consideration. Irrlsatiou U a great braska herself has shared the ill fortune of hpr neighbors to a ccrUln nxtent. In the meantime the states to the west of us have been laying their foundations broad and deep. They have perfected tholr irriga tion law * nud dcmonstr.itod the success of this menus of ngriculluro. Tlmy have edu cated the investing public to believe that nn irrigation fund Is a safe property. The man who has sold his farm in Michigan , for in stance , for ? iO an acre nnd gone to Idaho to take up government land t 11.25 an acre , has been ublo to got It- under irrigation for $5 an acre , which includes the purchase price. Ho 1ms discovered that the Idaho property will pro duce twice as much as tbo old homo in Michigan , and Iho tide which in the past ten years has stopped on the prairies of Ne braska will hereafter siveon on to the newer counties which offer larger and moro certain pronts. Is it not plain that Nebraska sUould get out of the Kansas anil Dakota chws and get into the Colorado and Idaho class In order to shako the odor of the former from her gar ments und partake of the prestige of the lat- torl If this is n correct view of the situation all citizens of Nebraska are equally interested in the irrigation movement , which comprehends at this moment the whole problem of our de velopment. V. Till ! rilESHN'T MOVEMENT. The present agitation has resulted in a compact and aggressive orpnnization of the friends of irrigation. It is u clean-out and dellnlto movement , aiming nt the accomplish ment of specific results. Ten southwestern counties wore organized at the convention at McCook. The remainder of the arid district spoke for ilsolf through the convention ut Sidney yesterday , The agi tation will culminate iu a state conven tion nt Lincoln next Wednesday , the 11. The purpose of these conventions is to secure the enactment of the best irrigation laws that cnn bo dovlsed. Committees ap pointed at McCook nnd Sidney nro now draftIng - Ing the measure. If the legislature acts nroniptlv , the next thirty days will see the object of the movement in part accomplished. Then comes the campaign to interest capital a branch of the subject which will bo treated in these columns next week. WIM.HM E. SMYTHE. Dr. Btrnoy cures catnrrh , Boo bldg. She Weeps Clans TonrH. The physicians and oculists of this city are greatly puzzled ever the case of Jennie Sutton - ton , says n Findlay , O. , dispatch. From the rightoyoof tlio girl Hfty-f our pieces of broken glass was taken by Dr. T. C. Trltch. Thesa pieces of glass have been coming from the eye of this girl for the last month , nnd only day before yesterday Pr. Tritcu removed every evidence of glass In tbu eye and an nounced that all wore taken out. She came back and had llfty-four moro pieces removed nnd yet no ono knows how they came Into the oyo. The girl is a domestic in the family of ox-County Sur veyor Stringfcllow , whoso wife has boon taking these particles of gloss from the girl's eye for a mouth post , but becoming alarmed at their reappearance utmost as soon as re moved , bad Lr- Triton undertake to euro the young woman of her peculiar aniictioii. The casa puzzles the doctor quite as much as 11 docs the girl and her otnplorors , as she mot with no accident by which tlio glass could got into the eye ; and tbo ( act that the parti cles give her little or no pain la equally as in explicable. It Is estimated that over ono hundred pieces of glass have been taken from the eye since the cosu first attracted , atten tion. The only theory thus far advanced to explain tno matter Is that the girl has some sort of u chemlcAl nature and that the crys tals are formed by her tears. itiTHiTiTnTittP TnniTinr > a INTmSTlNG TREATISE , 11-trtr . It J On a Qucstiori > of Vital Importance to all 'F Citizens , 1,1 HI A FACTOR iHnFlNANWL DEPRESSIONS , Old Ijlno fiflii tiiHitrnnco tit all Us Phases Ifni-i * anil Figures in ItctiiiiKlnnt HJI ( tillcs. TMItorOMAlU Tnir.rlir.Rt A * a subscriber of your valued loiirinil , mill n a citizen of this commonwealth , permit mo to thank you for tlio | W 1)1 ) lout Ion of tlio article In your Issue of January 8. ' . entitled , "Tho Investment 1 onturo of Ijlfu Insurance Policies. " It It really refroihlni ; to note that said article was contributed by no less mi authority than tlio runnwnpil Jacob I * Ori'cia' . president of Unit famous Institution tlio Connoctlaiil Mntiiiil Llfo Insurance company. It Is also 11 k-ood omen for nubile Interests wlion n croat iliillv newspaper llkit TIIK HKK devotes soinii-liof Its valuable su.ico to llfo Insurance Interests. Why ? ilcuaiiHOsn mnny InitiKlno It a subject dry anil inuanliigluHcept tollfo Insurineo nctuarlosnndnKotiK Hilt such an Impression Nn croat error. Tlnit Ilioro tire Intricate problems undcrlylnr thofound.itlon of suoh Insurance us Mr , ( Irccno dubs "Investment policies , " "bonds. " "consols" etc. , there can ho no dispute , yet that tliero shoulil lie uny inystory or tiilsiindcrstandlni : 1" tbo mlniN of people of even ordln.'iry lntelllir.Pnco as to the system anil oner.itlou of straight legitimate llfo Insurance ) 1 < a inyhtory of mysteries , mid there would bo noiiu were it not thi'ts'jllellurs too often rosoit to niysllfyliiK statements In order to cover ii | tlio defects In tlio plans of thulr rcspectlvofomlianlcs. It Is a substantial ( niitor In tlio growing In- lolllitcnco of business tnou to nuto thut at no period of our commercial existence have they taken tlio decided Interest In llfo Insurance tbtit they doNod'iy. Tills Is as it should be. for no trust or corporation of any olinrnctur can RccuruHo tlioroiittbly and practically an olllclent competency ; to a man s family upon NO ttmall an animal outlay as a sound , reliable. llfo Insnrnnco company Is enabled to crant. Owlni to the numerous safo- Ktianl HiirroiindlnK tlio Interests of policy-holders in our llfo Insurance corporations , by state loslslatlio enactments , It Is fair to assert ( eAcltidlni ; certain co-opor.i- tlvo niul assessment assocl.itlons ) Unit n Inisl- ness nrin cannot err In patronizing tlio duly chartered llfo Insurance companies imil asso ciations of I his country , so farns their ability ROC" , to perform and eirry out to tlio letter tlio conditions stipulated and named In ouch policy orcortlllcaloof straight llfo Insurance. iVhetoln , tlicn , do business mini ncod to oxer- cl.su precaution to uncertain whether tlioy arc contributing too much money for tbo coin- potency tunned ? CAN THE I'llKMIUMS HE IIBUUCKD which level orold line llfo Insurance com panies chawtholr policy holders , and yet fully Buar.l nnd protect tbo perpetuity of those Institutions } ISH vital question to every policy holder In tlioxo United States , and. In deed , to tlio body politic of tbo whole country. Kor a Ion ? period of tlmo llioso level or so- called old line companies have dominated the business of life underwriting. and at piomhim r.ites ; absolutely prolllKato In character. It not HO. how could they have maintained such cnormou ly o\pensl > n establishments. with presidents , many of whom receive more salary pur annum than tbo president of the United Mutes. Would you , Mr , have n fmv facts and figures for your consideration nnd that of your renders ? tolccllns a llinlied mitnhorof those old line or level pteniium llfo Insurance com panies. It will ho found that In a few years tlioy have collected from their policy holders the fabulous stun of ever S. > W.OOJ,000 ) over and above the amount , , necessary for annual protection. It Is not nnfrcquenlly tbo CUBO tb.it . at curtain periods there Is Inulness depression ana contraction of the money market , m.iy . not this system bn n most potent factor In superinducing such depressions. INI UK YE All 188 ! ) twenty-six of tlicso'"old linn llfo Insurance companies did business In Nebraska. They collected from rlt Irons of the state ( their policy holders ) ifTOCWO.at. This larao num. nearly three quartortof a mllllcn dollars , vas sent out of Nebraska and Into most of tbo Atlantic states. A natural question would be , what percentage of this sum n as paid back Into tlio state , to the estate und dovlsoos of tliu polluy holders of said twenty-six level proinluni orold Uno. companies , only $1TOI" . showing that the piemlunisthcy collected and topic away from Nebraska exceeded tbo ilcalb claims by ncSn : ( , bchiKovcr J.V)0ooo ) In ono sdtiKlo your,1 Is It then not high tlmo for our business uion to wiUo tip and Investigate this littiio llnanclal minister , worklm ? Its victims under the ncilt-o of protecting tbo widow and orphan , ' against tlio premature iltony of their breadwinner ? The llmi. John K , Tnrhnxlnto InsiiMnco commissioner of tlio stuto. of Massachusetts. a gentleman of largo Ibfincltl exporlenoo and nn actuary of distinguished pioiiilnencc. has aptl ) and truly said : "A less number of people In tbo ITitlied Slates are Insured In thn old style llfo Insur- iincocmnpanlus today than In INTO , nuilyotwo are a nation of U.OOO.OM tooplo now tliuit then , and all the while the ad vantages of life Insurance have l > eoii nrscdupon the people , wlthK'oat labor and at vast ovpenso. liy a niniinrons army ( if nkllled and ublo achncntcs , by the nil-persuasive press and bv all the In strumentalities of public , InlhlLMico. The people ple want llfu Insurance. This Is testified by the fact that within a few years , nnd with scarcely an olTort , voluntary associations for Ilfu Insurance have organized tlirou li- ut the country , nnd easily obtained , i membership largely In excess of that of the llfo companies. Knrsnmct rea on tbo old system , excellent although I hollnvolt to bn under proper administration and laws , lias failed to win the confidence and satisfy the needs of the nubile. "If that plan of Insurance Is to hold tlio field In tbo future It must adjust Itself to modern conditions , ' The conclusion is. that the accumulation of a llfo companyby exactions from Its policy lioldotd , of a fund Incip.tbloof ultimate dis- tilhuttonto the persons whose contributions create It. In excess of the atronnt which tbo law , the principles of thn system and tbo his tory of every well ordered IiiHtltutlon of llfo Insurance In thecoutitry avouch its sttOlulent to assure the full accomplishment of Its con tracts. Is not .instilled by any prudent reason , and Is tin Injustice to tlio Insured public tlio law should redress. "Such u surplus serves no loKltlmtUo USP , nnd la a perpetual temptation to wasteful ness , speculation and ecu million in the man agement of the corporation. " o It will bo seen that the able Tarbov could see no good or wlso purpose In talclns front policy holders sums so lurwcly In excess of ab solute need-i. What will ultimately heconteof nearly J.TOO.OOO.OJO. called " .surplus,1' "reserve , " now hold by old line companies In this coun try alone ? Who contributed tblsmoney ? To whom docs It rightfully bulonz ? Are policy holders who read this article willing to have their payments thereto eonllsoalol to poster ity and pass Into the hands of stratiKura ? Hut you ask , sir , what there Is better to offer than the style of Imiir.tnco condemned by 1'resldont Jacob L. Uroeoo In his ar ticle , anil that elusi of Insurance herein unfavorably spoUen of by this contributor ? Mr. Greenocoitdeinns Investment and specu lative llfo Insurance. This writer also easts bis vote nxalust such Insurance as lining most dangerous to policy holders , hold In' , ' contracts predicated upon such methods be cause of such system boln ; permeated with mercenary motives of a most pendulous char acter , lint while tbo undersigned Is not backward In denounclni : Investment nnd speuulatlvollfo Insurance , ho In also stronely opposed to the system established by level premium or so-called old line life Insurance companies , not nlono for thn unnecessary ex travagance of the system , but the falacy of Its excessive resorva'Element. ' Hear In mind my lanxuuuo "oxcnano reserve element" this at once admits thut tbo writer ruall/es tbo nccoslty of some . 'U iiorvo. " Moat portnlnlv. bocnnso the foundation of all legitimate Ilfu Insurance , must arid uoos provide for on nde- ( IiiatO'provIsinn against tbo Increasing risk year by year , owln * to the advance In ace of the ineinlierHhlp. and without aime icsorve , cull It by wbatever > iirtmo you will , wlmthor "surplus fund , " "emoritorioy fund , " "Indem nity or cuarcntoo fuinl" tbo principle. u o and need for hiich a fund in llfo Ins.iraneo Is none the less patent nnd requisite. Indeed par- putual prosperity K out possible without mich a fund. In the eurllcy.yetirs of the ho-called level prontluii ) orqld , line llfo Insiirnnco com panies they ostabl slrtVl n system of "loadhiK" oraddltiRlo the natnral premluni ( by which latter Is meant tlwmrtfi necessary to pay cur rent death losses y < Mr by year ) a Inrce per- ccntaKu for what they then and since called "reserve. " NotwIfhKtftndliiK nxnerlenoo has proven to those old.lluo companies that their "loading" for rescfPilJls too lanto , and quite Imrdensoma for tliei'tiollcy holders , yet they cllntf to tlio system. "With nil thn tenacity of a vulture. I nirnin quotu from tbo Hon. John K , Tar box. lie sayri , speaking nealnst the ex cess ) vu reserves er level premium or old line llfo Insurance ! companies : "TUB CONCI'BSIOtf IB that the acuumulatlon of nllfe company by exactions from Its | Klloy ) holders , of a fund Incapable of ultimate distribution to the per sons whoso contribution * create It , In excess of the amount which tlio law , the principles of the system , und the history of every well ordered Institution of llfo Insurance in the. country vouch as Kiilllcleut to assure the full accomplishment of Its contr.iots. N not justl- llod by any prudent reason , and Is an Inlustlco to the Insured ptilillu .the law should redress. " Dws the executive "reserve element" under the level premium system lontrlbute to the luduutlon of present or future payments ? Does It , during the llfo of n policy holder , or any tlmo. In whole or In pirt , revert .to hU uso. or can It bo used In payment of losses ? I.KT TUB TMTIMONV of the following eminent actuaries answer In thnlrown IniiKiinuo : "The rexerveean ho used for uo puriosu whuto\er , while the original policy Is In force , save for accumulation. " M. labor. constiltlriK nctunry anil rompllcr of "The Tbreo Sjstoms of Mfo Inmirnneo.11 "Tho fact Is the reserve IH simply and purely abiitkdenoslt , bclmialiiff for Ufa or dpiith t ) the depositor , nnct liavlni tin morn real con- unction with the Insurance risk than u corresponding pending deposit In a bunk across the street would liava" Ktnory McCllntock. nolunry Mutual llfo Insurance compnny. Now Vorkj tint largest old line Ufa corporation In the world. " .So pnrt of tlio re orvo can bo nsixl to pay a death claim on any policy save tlio one to which It belongs , any more thun a bank of de posit unit use the fund ! ) of ono depositor to "inKo Kood Its losses to any other. " K. 1) ) . \ \ Illlanis actuary. Tlio authorities here quoted from , have time nnilnitaln tinted thcsu fu\el premluni or old line companies , to change tholMiliii : with reference - erenco to the reserve element , but evidently they will not Imrken to any overtures to mod * Ify their methods , until such time as the people ple with hold their tietroniiK" and thrrebv cause a reduction of the piesenl rates of trout- one-thlr.l to llfly percent. 1'reslilont ( Irccne In his article , quote * the rate his eomptny charues for onu of thulr twenty ye.ir investmoiit policies , ago thirty niiiratitouiil of policy $ IUuoo. as belnit tllM per iinniliu for twenty years , lie does not furnish l bo rat i ! In his company for ordinary strnl ht life policies for same nan and amount , but the writer can supply the Information , It would be f-M.S.W per annum , and as every premium paid Into Mr. tlroonu'-s company or Into uny other level premium company Is divided Into or up- porlloneJ into three elements , It uniy be In teresting hero to nducu a small TAiir.iwin\viNi TIM : Ki.r.Mr.NTS Combined In inakln ; up the gross premium , charxoil by level premium or old line com panies , upon jl.WJ Insurance at different u'os : Afjo Morlnllty Kxponso Hosorvo Oross Klcment Klemuiit Element I'remlum 2- * , . * 7.71 IMH $ c. ; > o ( IU.MJ . 40 . " . .i ) 8.10 J3WI 31.iO : 45 . 10..V io.a- ior > 7 a707 M . 12.117 U4H 20.7J 47.18 M . i7.w : i7.va K.4I m.oi ( < 0 . 21.8 13.US MM 7T.OJ TA1II.K 8IIOW1MI TIIK Et.K\tE.ST9 coinblnod In nuililns up gross promluins churited by natural premium contpnnloi. ftuto Ordinarily , with natural proiitliini companleM there ate hut two elements In each premium , viz : the evponso and mortuary or death claim element , but for a fair compari son , three elements are here exhibited : Kinurgen- Gross Mortality Ktponso cy fund 1'ro- Ase. Klement. Kloment. Kloment. intnni 2Ti . 7.71 4.00 .1.41 1.12 39 . H.ni 4.00 4.47 in. 50 . " > . . H.M 4.00 S.13 17.04 40 . O.'J ! ) 4.00 R.m IS 02 43 . 10. M 4.00 O.HO a ) 04 60 . 18.W 4.00 7.1ii ; S4.IX ) 65 . 17.W : 4.00 1U.78 S > . 10 CO . 21.8o 4.00 18.80 43. 05 Here the reader will notice : 1. That both tables ptovlde for the name amount , at B.IIIIO a e , for morlallty eloment. hence the natural premluni system exacts tbo same amount from the Insured for paying ( loath claims as does the level or old line companies : Indeed the mortality element In both case * Is the natural premium , and any amount charged In excess of the natural premium must have lit vlow HOIIIO other factor or clement. In the first table above given , It will bo oosorvea that at aso 2. > the level iMemlnin companies add for expense IVOS at ago : i5 , 7.-r > l at IIRO 50 , * 1. ) 81 and at ago CO f-"J. IS. Ate not such disci lijilnatlons unrea sonable and unwarranted , and If practiced by any merchant or Una would bo termed dis honest. UOB3 IT COST MO1IE TO WIIITB policies for men at ago 4U than aKo > , or at nxo GJ than at a o 4U ? Certainly not Vet the level premium system charges the man at age 40 for expense element W.U5 pore ich $1,030. for the Haute service performed for $ .V > 8 at ago 25. and the man at ago CO bus to contribute IJ .ls pur ouch $1.000 , whllothe man at ace UO gotsoir by paying only $0.4 ! ) . Contrast tins feature with the same element In natural pre mium companies. The latter charge thosamo per oiio 1 1 li > 00 at all niros. viz : J4.IW per thou sand , and why any more ? It bus been found by experience that Jl.iO per thousand Is stilll- cfontto defray all legitimate current expens es and that It costs no n.oro to transact busi ness for a man ut ago 45 than it docs for a manage ago 'J5. Now as to the reserve oremergency element It will bo noticed that at all apes , tbo level premium orold line companies nave their In sured contribute tn that element tnoro than twice the amount that the natural premium compinlos require their policy holders to pay. Allot which Is gross Injustice , hecau.so that , such unnecessary exactions are not warrant ed und experience has proven the fallacy of the system and yet. It so far has not been rem edied by those level premium or old line com panies. The natural premium companies Und that the loadtngndtlod to the natnr.il premi um for expense nnd enter onoy olcmimt , viro nut only ample but do admit of returns to their pulley holders. In the way of dividends , cash surrender values , continua tion of policies under certain conditions with out further pay mont , und many other admir able features. Natural premium companies hold the rusnootlvu amounts contributed by their policy holders nss.icred fur the Individ uals contributing simo and at no tlmo Is It coiiliscatud to posterity to pass Into the hands of Mtr.inge.rs. HUT Mil. In hlsartlclerofoH tothoemt of aJIO.OOO policy at the ago of thirty In on u of those level premium companies , as bolni ; f 190.00 per an- niii.t for IX ) years and should the Insured ngrco In his application to leave all lili savings nnd httuicst uarnlnns , Uurlnic the ' 'Uyo.ir period such comp inloi have estimated that at the end of said period 0.11 years ) the policy might bo worth $ i7UWi. which would ( If realised ) beeculvalenttocoin poundlnir the I nan rod's p.iymunts at 4. UJ per cent. Mr. Oreono certainly deserves uroat credit for his honesty , for while president of onu of those old line or level premium com panies and onu too. which has , and does Issue such policies and contracts as above stated , yet ho frankly and iimnly. and over bis own slznaturo Informs the uubllu that no such earnings luivo been made as those estimated , and that In tbo nature of things , such. talked of and boasted o-ttlm.itlon-t as to earn ings can not no roallrcd now or In the future. Hut suppose Mr. Croone'sown words be al lowed to speak for themselves , he asks In his nitlclo heroin alluded to and referring to level or old line compinlos , writing such In vestment or speculative policies. "HOW MUCH CAN THEV DO ? These compnules under present conditions can hardly hope to docieaso their expense account or to earn morn than 5 pur cent Interest on their assets for tbo next twenty years. Assuming that they are certain to earn that much , und taking out-Mj percent of premiums and of Interest for ex penses , and pi ovldlng for expected losses , the icsultat the end of the "Investment period" would bo lust $10,617 , Instead of the estimated (17,000. a shrinkage of K-'Ck a result not c < | tml to the premiums compounded at 1 per cent. In what sense can this be called u urolitubtn In vestment for one's sell ? How can uny purely financial operation ono that Is not it manu facturing , mining or othonvl.so productive business nilvonttiro that has to bear such nn expense account , bo considered as a profitable Investment'/ / How cnn they nniUo up tno shrinkage of $ ( i'J4l. to luallze. which would re- quli-uthem not only to do business without any expense at all , bntaNotn 0:1111 : for twenty years a greater rate or Interest than they have any reasonable hope of doing ? Hut another unfortunate and unlnst fea ture of Htich plaiiof Insurance Is the forfeiture of all earnings and savings to the Chtato of the Insured should ho die prior to the Invest ment period. Kortho benollt of Illustration , bo It known that under such a form of policy. should the Insured die prior to the end of tbo Investment period , and thereby his policy become a claim , the level premium orold line companies would only pay Its face value , nnd all the savlniZH and earnings belonging to tlio polio/ the deceased Is confiscated , no mat ter If snob sivlngs have accumulated up and Into the thousands of dollars. HUT buri'osi : TIIU MAN , ago thirty , has used his $401 differently had ho put $ lo ( of the amount Into a natural premium Insurance company , and continued to pay same to such a coinimuy for twenty yearn he would bo Insured all the tlmo for 110,0 X ) , Then nssitmu that the man pay the balance of the il'JQ ' per annum Into im Imcstmcnt company , viz : Jill he could got u guaranteed certificate that his $311 paid annually for VO years would he compounded at 0 per cent Interest , which would at the end of M years equal tl-V.M.OS to gether with a participation In the earnings of the Investment company quite likely to In crease the HUV.WGiy at least gf.ooo or i.l.OOQ more , thoulu tno futtiie earnings e.iual even 60 per cent of past experience , Should any reader doubt , this statement ho Is Invited to call und Interview the writer fur further In formation und proofs , TIIKIIKKOUK IT IS AI'I'AHENT that a mauls much bettor on * to buv his life Insurance pure nnd straight and aiold all problematical and Investment features , and If ho wishes endowments , annuities or Invest ment features , put Ins money Into substantial corporations ilmvliiK and owning real estate as the basis of bccurltyjand organized for such investments. Another contrast between the two methods immodls.tlmt assume the mnit dies having paid In sixteen annual premiums to the level or old line companies them nould bo p'lld to | IH | es tate nhuplyllO.OUOj but If ho had divided his JI'K ' ) per annum us above rccoinmeitdoJ , then the natural premium compnny would pay to hU estnto lli,03i ) ) plus the percentage of the emergency fund to the credit of his pulley ut the time of hU death , ami the Investment comnany would pay to his estate sixteen times Hll comiHJiimled at 0 per cent Interest , which would c < | iial t'JMI.OO , so It will bo t-ot > n how much better olT n man Is if hodlvldcKbls money us herein Indicate. ! , for nt tlio end of the sixteenth annual payment should ho dlo having Invested In the level or old linn com panies , hs | estate would get simply JIU.iixi , while by dividing his annual contribution be tween tbo Natural 1'rmnliim i-om- pany und the Investment rompany hH estate would receive n absolute ll'JOu7..V ) plus his percuntuzu In thonmergeiiey tund to his credit at the end of tliu sixteenth year , plus his per- cinlugo of the cirnliub over tliu 0 per ccut compound Intercut In ho Invettincnt com- imny Where Is the Icrol iireinlum , old line company or nny other plan or Htylo of llfo In- stirnnco coiiipnny that can tnaku such n ohow- ln , or oven niiproacli It ? If nnr doubt the lumlblllty of whnt Is heroin slated , cnllontho underslitned or mldrcM him for further In- forniatlon " nnil preuf. . . . . , . IIWT l > UIM' < ) < r. TIIS COST bfllO.OWortllnary llfo Insurance ngo thirty In ono of these level premium or olu line com- p.inlcs bo contrasted with the cost for sumo amount and snnio ngo Hi a imtnral premium ( ompany. the remit would stand , cost lit ' ol pioiiihtm conippny fi-M.60 per annum during life , cost in natural premium conumny tlMperiiniinni until end of expectancy ( thir ty-four years ) , slum Im ; a dlirurenee from the stnrt mid foreach yenrof Ml In fnvorof the nnturalpremlumronipnny. Again , analyzing the potent fiiclorsof each preinium they would stand us follows : ss- § si s. rq r ° r g Tcvol I'remliltii Co . JsO.-TO { W.OO MUIW $22H.M Nntttral I'leniltun Co. . 8aiO ; 40.00 44.70 1W.W Hnlnneo In fuvornf Nat. rremlum Co. ! O.UO .Now put the $ tll per nnnnni saved In the natural premium company Into an Investment eonipany for thirty-four years ( assuming that the Minn lives to tlio end ot his oxpecliino ) ) and compounded lit 0 percent Interest would ntminnt to * UV > 7.40 pins his share or pcrcent- aiienf earning * inornnd above the r. per cint , i\ble i would swell the nmount to nl least f 0.- Wfi JmlKliiK from past e.xpcili-nce. Hut. the olil line or level iireinlum eompiinv cries out , \\liatnboutourdlvldoiids ? All right , yonrdlv- Idcnds did you sa > 7 Well tbo term ! .s a mis- \oitsliiiplyretiirnapoitlon uf the \opremluniyoucxactlrom your pol icy holders each year. nnd such return joit term dividend. Yet fervour bcncllt let It bo agreed tint jiui do pay dividends , notibl your KO-eallcililUldendiln thirty-four years' ag- Krraatn tliu stun heroin shown In favor of tfin Rational prciiilnmcomiiinyJ You know thai it uotihtnotKot to will , hi a respectable dis tance of same. Now , leferrliiB biiok tolbo statement herein before mudo , viz : Thntthu twiuity-s.x IIMU ! orold line companies which did business In Js'tbraska during Iss-.i. nnd did collect from tliolr policy liiildon thn lurgo sum of JW. . ' , but during the same year paid only $170,175 to their policy holders. Exception has been taken as to the correctness of such a showing with reference to the Income nnd disburse ments of said in onty-sU old line comumtcs , upon the ( -round tnat. credit was not Kb en for the amounts disbursed us dUldunils. matured endowments und surrender vnlucs , and they would , and doge so far , as to assume that those latter Items were hi excess of their death losses , but .so far have not furnished any authentic statement to prove the wild as sertion. IN "LIKE INSUlUXCIi IIATKS , " A work compiled by tlio Spectator company of Mew \ ork , pane thirty-two , HO Hud nn ex hibit ( No. { . ) of payments to policy holders of the forty-nine old line companies doing busi ness In the United btntcs for Itwa , which sets forth the following , paid for : Death claims . J4l.8W.ftst Matiiroiinuduwmcnts and nnnutles UuiJl.wa Jjiil'sed , suirenderoJ and purchased policies . ] J,120.SsJ Divklonds to policy holders . U.UJ.j'KI ' Total payments to policy holders . $ H3UOI.VI ! Here It Is apparent tlnit Iho death claims are largely In o.xioss of total disbursements to policy holders , but , presume that such pay ments equal death claims paid , then It would Ktlllbulruo that the picmlnms collected In Nebraska In IBS ! ) rtTttCijo ) were mote than twice the amount of dentil claims paid , such an nmomit equaling hut $ aiO.i50. : .suppose 10 per cent of the Income , or WJ.SM ) , bo added for expenses , still the total disbursements to Ne- br.iska policy holders of these old line or level premium companies dining IM'J could not have aggregated more than fllV-tOU upon the gioss Income of STJS.aji ) , showing that , making : full allowance for nil cln scs of dis bursements. there uere $ .U5.aoo of nnneces- bary e.xuctli/ns , and ns these facts are arrived at from their own sworn repoi ts. evldeneis the fact hereinbefore Muted , that the level premium or old line companies did. In 1HSD , and do so continue to collect from Nobiaska policy holders , a sum annually , largely In ex cess uf a Just and equitable amount. aUT Tll ( > HK COMPANIES 1NFOIIM Nebraska cltlrens that tholr business In the state Is now and bunco the neccH-slty to carry a largo amount of the premiums to tbo reserve - servo deposit. Now , this Is one of tbo very factors which the writer and all natural premium advocates dlspiovo und declare un necessary , and la support of such n position , take thn amount of In-u'iimeo In force In each system In ISs'J ' und see > vl. Ich the public stumps with their approval and ji > port. The fol lowing figures ure from The Spectator com pilations ; Insurance In force in natural piemlum companies In 1MM . . . $ JAr > l.gr > ,742 Insurance In force. In level premium companies laJbUO . 3.130.721,0(3 ( In favor of the natural premium system . f2.42l,20 ,07l > It must also bo remembered that the level prumluni companies have been credited with writing business ever slnco IHI.'I , while the natural premium companies have operated In this country only tuenty yoirs. Why tills large preponderenceof public sup- portBlvon ( o this new system ? Here again , let statistics furnish the uvhlence. In the level premium companies wo I ! mi that using the figures fur the yeur Isn'J ' : ( Jross Income Total payment to pulley holders Total amountof over payments . . ! 1IS',2 ' ) < ; ' ) And thlssiim iWl.lHi.'J1 ! : ) ) tluilr policy holders paid In excess of the amounts necessary to pay their death claims , dividends , surren der valuer und all Items of return to policy holders , being either consumed In expenses or doiiosltvd to the ciedlted uf the reserves , Ititt It. Ischilmed that the reserve Is essen tial to the perpetuity of their system , so wo will credit them with the Increase In reserve In IS K ) over 1HM ) , which wo find to bo ll,4M > ,5l.l. nnd still they have * III1U,7-M , which must have been used only for expenses In IbM ) by those le\vl premium companies. In comparison lot us lojk nl Iho flguics of the natural premium companies for the same Their gross Income was $00.101,18.1 Total p.tyinuntto policy holders. . . . 4Jlllor.'i Total amount of ever p..vnionts. . . { 17urkl,10i ) Increase In asset ! ! or losono fi.'Ill,111 I Actual expense cost &I2.64S.7GI So it Is evident that the level premium com panies In isS'j. ' with only Jl.iw-'liMVI : of busi ness on their Looks rt < iuhed for ex penses solely , JI4.'X1,7-(1. ( ; ( while the n.itnral piemlinu companies with almost dotiblo the business In force , viz : J..V > IC.IJ. ' ' > ,7- ( , required n llttlu mure than une-foiirth the amount for expenses , vl(12,014,7(11 : ( , lint the ' 'old liners" further Kay that , as policy-holders grow olilcii , tliu mortality rnust Incioiisu. so that the enormous reserve cre ated by the level prennumsyslem must ha se cured to meet biich Increase. We hold that biiuh large exactions for the reserve element Is unnecessary , because but a small percentage of orulnnlpolh-y-holilersever become iieliilm against the company , and thut by the Infu sion of new blood the mortality ratio need not be materially inei eased. This has been satisfactorily demonstrated by the natural premium system. In Hupnortof tills proposi tion let us adduce u table prepared In IsHU , giving the mortality ratio that year of thir teen of the older lo\cl premium companies : Number of Name. Age. OoathaperUXW. Mutual Now York 4J I'l.Sl New Cughmd Mutual..44 11.41 Mutual Itenellt , 43 10.4(1 ( Now York Mf < 43 10.48 Connecticut Mutual 40 IS " 9 renn. Mutual 40 11.in Union Mutual IB 1UB Undid Status : 15.il : KtiinMfu -J7 II.Ill Massachiisnttn Mutual . . 'M 11 2 , " > Kiiuilalilo Now York iM 11.4'l WasbliiKtoii l.lfo & l-.l Homo Life , Now York..27 H-75 Average 'J ? 1J.OI Hero It , Is dutermlucd from their showing Unit during a period of thirty-seven yeui's , embruolng war.epldcmlcsund all other cinor1- guncles which could ixisslbly ellcct our mor tality , the r.itnhas not materially Increased , notwithstanding thuteuniiianles like the Con necticut. .Mutual , which bus practically stood still , during tlin past tun jours at least , not having secured enniijli new business to keep Its mortally ratio on a lovel. are Included , but look at the Mutual of Ncu York , the oldest of them all , with Its forty-lho years of oxperi- oneo , and it mortality tntlo of only $13.21 pur il.OUOnf Iniiiranco In force.and again at the Now York Mfo with It ? foity-tv\o yours of ex perience and only iliutl \ < ur il.OOO , and Dm 1iiiltablo : | of New York with twenty-eight years and lmt11.4i : per 41.000. Now WK nsk the level premium or old line companies Is there a single natural premium company oueratlng on a tabular rate basis which could not have paid the mortality ratio of any oneof thcabiUo nuuied old line com panies , through all their experience- thn jiruseiit nnluml premium rates , und have had loft a suindent surplus or reserve for all prac tical needs ? Hut Die old line reserves ure necessary , they say , because they tire used to pay accruing'losses. Well , lot us sen alxiiit that. The l.iiiltahl | < i of Now York commenced business In KV. > , Its lust report was mmlo In im Just thirty years after. How about I In history ? hmce ( I begun busbies * It has writ ten and pluecci upon Us books flA43KSU.ll ( ot business , of whlcli It bad December ; il , IhSii. a little ni'iio than one-third. orM'll.ojO.O'D.sttll In force , having lost by do'ith. lupsos , eto. , al most n billion of dollars ot biiftlncss In amount ut risk' , but how was llu ret > orte affected by this Inpso forfeiture ? How niuuli of It was act ually used tu pay surrender vrlnes , death claims etc. , tin clnlmed. Starting with n little moro than } JiJOO , ( ) : ) of business In force In IsfiO , weiiotlro u gradual Increase In the amount at risk until In Itel It reached II4UI',000 , then it begun to grow less until In 187K It had fallen to H57.OXl.WjO , but , initu the ueciimiilatloii. Ixtzlnnlng ; Inls.Vi with u capital of JIOJ.MJ. wo find It has Increased lit assets until In IH7JII ixwoKsod jr..W.'ll. Now , as tliu nmount of Insurance ul rlKkdi.cruaseil.durlng the next II\nyears , and as tbo accumulations under the luvul premium system was cum- posed almo't wholly of rc rvc , nnil re-sorrow ore npca iary to return hi Claimant * , olther nt iln.ith or surrender of tliolr policies an Ciiltaido | nmotinl , HU It Is fair to l > re < innethnt In the loss of nearly MCoi)0tHX ) ) of liniirnnro In Hve yents. from I8TJ to IMTf , certainly n redtie. ( Ion of tlicn-Hcrvo ucouinnlnlloii Mould fol low ; but , note thn ns ets claimed ( luring Ibl.s period , llnvlnu fta.l7M.214 In isr.i , follow the fablot 1874. JiMkXl.M ) : 1875. ti < .rv\\0otl : IV7U , MDS7'OOo : IH77 , 110,0(7,0001 ( 1ST ! * . M\OI.\000 , an H * o on , until In 1SH ) , not withstanding the loss of tvriHthlrtls of the biiHtnos written , we fife ] this company with o > or JIO.'VWiO.WX ) of a ous , alt acciiniiilated after pnylng evurv liability In full , enormom expense ratios and in tbo short period uf thirty > ears. M ) , Mil. KtMTOll , you cntinot point to nny other trglttniato bus- InesH , shorn of speculation , founded with mathumatlcal cxnelness IIIKMI n basis \\ldeh has the duration of Intmnii llfo as Us founda tion , which you can point to nshnthn ; at tained anything llkesucb results ? U It nny wonder that when such conditions are iilrou. tholr advocates rise up In righteous Indlitnii- llon to protect and foster this "KOOSO wlileh liiVH siieh golden I > R S ? " What wonder then that the lion. John 1C. Tarbox , late Insurance connnl.ssloiuiC - of .Mns acliusotts , asserted on I'ob- runry ' 'I , Ks7. beloro the lenls- luturo of htn state "that the accumula tion ( if furring to such ilnneeded largo resprvo funds ) , of a mutual llfo eoninnny bycvaetlon from Its pollnyliolders of a fund Inenpablc ol ulllmnlo tllilrllnillon to the iiersont whoso iiccumillatlous created It , Is not Justified by uny prudent ro.noti. nnd Is nn InJiHtleo to the Insured public , the laws should redreoi. " I ruin Spectator statistic * * o find t bnl In 1870 In fone In tbo I'nlted States : iniountlii < to Ji.O-il.Ml.lM. distributed among7I7.NI7policy- holders , wlillo In Issii thulr bntlne.ss in the less number of neoplo In the I'nltcd StuleM nre Insured In the old line eompanlcs toilny than In IH.O. " Hut consldernbliinoNn U mndo about tbo loans mnde by old line or level compnnlos to cltlrens of Nebrasua. Tlui writer cannot iMtlmulu to wlmt e\tnitsucU _ . loatisiirn being made , but certain It Is that till such loans ate negotiated favoribly for Iho compuules ninkliu them , sothat all sentltm > nt In thatdlrectlon nmounts to nothing , Ivnowlng that Hie huol premium orold line rompanlos havoalwajsboen happy In .statis tics , this nrllolo closes by giving ono moro tuble from Hpectator conipllntlon for their bi'iielll , "tnbuliitrd results of American ( old line ) llfo Insurance companies from their com mencement lo December , 18-ii ; " Total reee I nls J2.2.I7 , I8. | > 0 Total payments to polleyholdoto l/J.'t.TTO.vil Kxcess Income * lKi'U17S,4H ( Assutsoiihnnd o Used for pvpcninx * 3l"i'.V17l : ) ) Now , Mr. Killtor.undcrthcfiy.stcm for which your contributor contend * [ natural urainluin system ] , at leant J. " > 10.000,000 of this cvcomof Income would haiu been saved to policy hohl- eis , as that system makes no inactions for level premium reserve purposes , and consunim less ihnn one-third rorcxncnsouliatllie Intel Dreniliini system exacts , boos the above com putation hxik like rohbory ? Your readcr-i mav decide. Hespcct fully submitted. (1. ( ( ' . I.AMIIKIIT. flute Superintendent Masstehtisotts lloncllt Association , Onialin , Neb. POR THE COMPLEXION. V DOES YOUH PERSONAL APPEARA.NCE .INTEREST YOU ? If so , rend this. PLANTA. BEATRICE will entirely remove all moth and liver spots , will whiten your skin , will prevent Sunburn and Tan , will permanently restore the youthv. . fnl sofmesa to your skin nnd keep it In por- feel condition iu any climate. Frlco $1.25 , postpaid. FLESH Skin Kcllncr mid Pimple Kcmorcr. To thoaa men and womoti who liivo nn Unsightly , Hed , Coarse , Bough , Wrinkled. Dry , Discolored , Pimpled face , with D.E- tended Pores fills J with Black Heads ( lle h worms ) , i s ) Flesh Worm Paste , which , with each nnd every nppl cation Improve the ap pearance of your akin , and -within ft few weeks you wilt have a pure , cl ar and bril liant complexion Prlco $1.50 postpild OTJB GO ODS AHE ABSOLUTELY PURF. For sale by Leslie & Leslie. IGthand Dodge streets. Kiihn k Co. , corner 1.1th and Douglas anil .North 'Hh and Holt Line. Sherman .t Jlc Council , 151 ! ) Dodirn slrcnt. \Yhnlcaalo A' entItlohardiun ! Drug Uo , , 1007 and lull Junes street. ACCEPT NO fcUBSTlTUTES. LONDON TOILET BAZAR CO. , 38 and 40 West 23d Streel , WIiDlcsalc lIHlco No. 2) ) EaU 171U Mroct , New York. / Vahiublo book mailed tree iiiion application Drs.BettsABBtts ns and Specialists , V. 14OQ DOUGLAS STREET OMAHA , NEB. Tno moil widely and favornhly Irnownnpee- Inllsls In the Unftol H Cites. Tner lonit ex perience , remarkable Hklll anil nniynmiil Hue- cess In the treatment nnd cure or Nervous , Chronic-and Hurxlcnl Diseases , entltlo thein eminent physicians to the full conlldnnce of thonllllcted bvnrywhore. They ciniriiiitcn : A UKUTAIN AM ) I'OSITIVB OUHE for the nw ! ill effects of early vice and the numer ous nvlls that follow In It * train. 1'ltIVATi : . 111.001) ANDH1UN DIBKAHE3 speiMllIy. compl.itely and niimiaiieiitly cured. NIlllVOUH liilIUTY ) ; AND HKXOAL HIS- ORDERS yield readily to their skillful treat ment. I'ltES. FISTULA AN'I ) HECTAli DICKK3 cnorantped cured without pain or detention from linalnosH. IIYDHOUICLB AND VAHICOCEI.R porma- nnntly and sncco.ssfnllv cured In every CIIHO , HYl'ltlMH. ( iONOKUIICA. OI.Kr.T , flper- mntorrhen , heinlniilVcaknes ? , Lost Miuiliuon , NlKht KmlRslotix , I'l'i-ayi'd l-'ncnltlfS , Ki-rnulo Weakneis and all dellcuto dlsnrdem peculiar to either anx poHltlvnly cureil , na well us all functlonul disorders thut rchiilt from youthful follies or thn excess ( if iniituru years. 'rPir"l'HTl < Ouaranleod periimn e ntly O I I\1V/1 U 1Monrmi , remnviil ponililet % without cutting euustia or dllatntlnn. unrei olTected nt homo hy patient without amo- munl'H pain or annoyance. TO YOUNG AND MIDDLE-AGED MEN. toUKIi LiUivu unrly vlco which . . . . . . - orKiinlo vvcakiuss , dcxtroylni ; both mln'land ' body , with all Its drooled Ills , perrnancatly en re.I. . ni < > < C TUJTTQ Addrcm those who have lm UI\0. 1JUI 10 pulrnd tlieiniulvn by Im proper Indulgence und HOlltary liublts , wlilch ruin both mind and body , iiiillttliig them for bnslnrsH. study or murrhino. , MAHKICIl MKK nr llicno cnlorlnK on that h.ijipy llfo , a ware of ( ihyblcul ( lollllty'lulukly uuihtcd. uuihtcd.otrn SUCOESS Is based upon fact * . Klnt l'r otlcal oiporl- enco. Heciind Kvery cam In apoclally Htiiillen , thun martini ; right. Tnlrd inudlolnoa HM prepared In our liihonilory exactly to mill cachciiKO , thUHofTeclliiKCUieswIthout Injury. Drs. Belts & Belts , M09 DOUGLAS STREET , OMAHA , NEB