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About The North Platte semi-weekly tribune. (North Platte, Neb.) 1895-1922 | View Entire Issue (Oct. 26, 1915)
Organized under the Laws of the State of Nebraska to issue
all forms of Life, Health and Accident Policies, . the rate of
which is based on the American Experience Table of Mortal
ity, with four per cent compound interest
To the People of North Platte and. Lincoln County:
Having made arrangements with the Chamber of Com
merce of Nortli Platte for the removal of the humc of the
Fidelity Life Association to this city, the Fidelity now has
one thousand policies ready to be issued and are only a
waiting the applications properly executed of one thousand
loyal citizens of North Platte and Lincoln County, who de
sire to see North Platte the home of the Fidelity Life As
sociation and by that action ypu assure to your city and
county all the benefits of keeping your money at home in
stead of sending it away to foreign insurance companies.
Our policies are the most liberal issued anil if a better pol
icy could be written, the Fidelity would write it. The peo
ple of North IMatte and vicinity alone are sending approxi
mately $500,000.00 annually to foreign insurance compan
ies; ten of these companies doing business in North Platte,
collected from the people of thev State of Nebraska last
year. $2,503,734.00 and returned to the policy holders of
Nebraska, $045,531,00 of this amount, leaving a balance
for the benefit of only ten of the one hundred and thirty
five companies doing' Iksines in the State' bf $1,18,20.00
more than they returned to policy holders. :
We come asking your patronage and Support liptin'the
mutually selfish proposition and th'e'fatft that' we Heed and
want your business and you' have' 'the opportunity of build
ing up your city and county by1 keeping at home this sur
plus which amounts to approximately foiir-flftlis 6f all the
money that you are pending away:1 It mean's indreftse' of
population ; "it' Means' increase of business for the mer-v
chant; it means' the' occupation or purchase of liumeKo'tis
homes in this city. "
We made the above arrangements with the Chamber .
of Commerce believeing that we are going to make our
home in a live, wide-awake progrcsive, city that is alert
and ready to reach put and bring to you all enterprises
that will aid in your development. "We comb asking your
support, after the Investigating committee"; had satisfied
the Chamber of Commerce that we were a safe and proper
company and worthy of your support and confidence, as the'
following endorsement adopted October 15th, 1915, will
"Whereas, the Chamber of Commerce of North Platte
believes that in building up the City and County, it is to
our advantage to bring to this City all of -the commercial,,
all of the manufacturing, wholesale and business institu
tions that it is possible.
"Whereas, we believo that it would add greatly to the
wealth and to the advantage of our farming, city, country
and western Neraska, to bring to North Platte an old line
life insurance company, whereby the moneys for life in
surance would be brought into the county instead of being
sont away to foreign institutions.
"Whereas, the Fidelity Life Insurance Company is a
life insurance company organized under the laws of the
Stat-) of Nebraska whose home is now at Lexington, Ne
brasjea, and who is willing to come to North Platte and
make it a North Platte and Lincoln County institution, if
the Chamber of Commorco and citizens of North Platte are
willing to endorse the company and give it thoir support.
"Whereas, the Chamber of Commerce through its com
mittee, have made an investigation of this company and
find that its insurance rates upon the old line basis have
been approved by the Insurance Department of the State of
Nebraska, and that Its funds and management are within
the control of the Insurance Department of the State,
which is a guarantee that its funds will bo protected in the
interests of its policy holders; and we believo that the
policy holders in this company will be as amply protected
and will receive as great or greater returns than can be re
ceived from foroign insurance companies.
Therefore, be it resolved that the Chamber of Com
merce of the City of North Platte, Nebraska, hereby In
dorses the Fidelity Life Insurance Company and invites
said company to make North Platte its home and that it
placo representatives, citizens of North Platte, Nebraska,
in itu directory and official position.
Be It further resolved that the Chamber of
Commorco of North Platte, Nebraska, hereby commends
.said insurance Co, to the citizens of North Platte, Lincoln
County, and Western Nebraska,' and hereby requests Said '
citizens to Indorse said company and to patronize It and
to tako insurance policies in said company to the end that
said Insurance Company may be brought to the City of
North Platte and made a North Platte institution the samo
as any bank or commercial institution in the City.
"Be it further resolved that a committee of the Cham
ber of Commerce be appointed to further confer with said
Insurance Company and to act for the Chamber of Com
merce in making such arrangements as may be necessary
and as will protect the City and its citizens, to the end that
said Insurance Company may be brought to North Platte.
J. J. IIALLIGAN,
O. E. ELDER,
W. R. MALONEY.
' North Platte, Nebraska, October 20th, 1915.
To the Board of Directors of the Chamber of Commerce:
We the undersigned, being the Committee appointed
by you to further make arrangements to insure the re
moval of the headquarters of the Fidelity Life Association
to North Platte, Nebraska, hereby beg 'to report that sat
isfactory arangements for the removal of said Company
have been made witli the Officers thereof and such remov
al should be made in January, 1916.
J. J. IIALLIGAN,
O. E. ELDER,
W. R. MALONEY.
The liberality of our policies is attested by the follow
ing extract of a letter from the State Insurance Depart
ment: JOHN H. MOREHEVP, Governor, Chairman
Willis E. Reed, Atorney General Wm. H. Smith, Auditor
'' ' of Public Accounts
' ' Office of
, STATU INSURANCE HOARD '
of Nebraska ' ' . '
' Lawsoil G. Brian, Insurance Commissioner. " '" '
Lincoln, Neb., July 22, IDS 5.
Dr. B. B; Baker, President, ' ' ''' ' 2 -v"
Fidelity Life Association, ' ; '
Lexington, Nebraska. Vi ' '
Dear -Sir; "VI'
Your letter of the 20th inst. just received. I have
again looked over the rates shown on card and find them
equal to the net whole life premium on the American
Tabic with 4 per cent interest and a small loading. I am
free to say Doctor, that I think your rates should be re
vised so as to give you a reasonable loading, stLf 25 per
cent or 30 per cen of the ndt rate. However, I am glad to
be able to state that the rates are sufficient to provide n
We' shall be very glad to get the printer's proof of
the policy form which was agreed upon, which you say
will reach' ti the latter part.of this week.
Vdry truly yours,
II. S. WIGGINS,
In the above letter, you will observe that there is no
complaint as to the rate, that being admitted to be suf
ficient to set aside, the .legal reserve and to care for the
mortality. These elements can neither of them.be used for
expenses. We can only use what is explained in the let
ter as loading or expense loading, as only that portion of
the premium on an insurance policy may be used for ex
. Now, as the above letter indicates, we are saving the
policy holder the differencp between the small oxpense
loading which we are collecting and that of the ordinary
proposition which is suggested in the above letter to be
25 per cent or 30 per cent of the premium, as we can use
nq portion of the premium except the expense loading for
expenses, then the policy holder is benefited by buying our
proposition to the extent of our loading being smaller
than that of pther companies, and as we are perfectly sat
isfied with the amount of expense money on our proposi
tion, certainly the policy holders are pleased and bene
The following letters are self explanatory:
Sutherland, Nebr., June 25th, 1915.
The Fidelity Life Ass'n,
Gentlemen: I received the full amount Claimed by
me for my recent double fracture of my collar bo'ne, being
$100.00. My wife and I bought a joint combination Life
and Accident Policy of your Company, on April 1st, 1915,.
On April 19th, I was thrown from my horse, receiving a
fractureof the collar bone nnd other injuries.
Our policy covering both of us cost $109.81. I receive
for this one injury, $100.00, or my dividend on this one
accident leaves the cost of our insurance of $3,000.00 on
both of our lives, $9.81 for the year, with still nine months
time for either of us to draw sick or accident claims. We
aro certainly convinced that your nolicv insures and
recommend IKo the man who. knowjjtthafrUie buys Jnsur-t A
iuico ior protection. Yours truly,
.. "Q. W. HUGJtIESt ,rjL
. v-t Sidney, NoTJ&i'ska, August 1, loSi.
Fidelity Life Association,
f m?1' Si11ls,:I receIve(l your check today for amount
of $37.50, settlement in full of my claim against your com
pany for injuries received to the first two fingers of my
right hand. Being a dentist, I could not work without my
right hand and lost one week total and one partial. I cer
tainly am well pleased with your settlement and your
promptness. A settlement in full inside of two weeks
and without any dispute or red tape is mighty fine and I
thank you very much. Yours very truly,
DR. GLEN BLISS.
,inHf t -f a ... , Hyannis, Neb., Oct. 26, 1914.
Fidelity Life Association of Nebraska,
Gentlemen: I am in receipt of your favor of the 24th
enclosing draft for $200.00 being settlement in full for
every dollar that I claimed as due me on my policy of in
surance, as the result of my recent injury. In my opinion
your manner of doing business will add to your fast grow
ing popularity. The people want insurance that insures.
I shall take pleasure in recommending your comnanv to
my friends and you are at liberty to refer any one to me
at any time. I shall cause a copy of this letter to be pub
lished in my local paper. Yours truly
'' A. M. GUSTAFSON.
T.e . . Sidney, Nebraska, FebiV 2, 1915.
The Fidelity Life Association,
Gentlemen: I wish to acknowledge with thdiiks-tlie
receipt of $02.50, in full settlement of my claim for . sick
benefit, incident to three weeks total and one week par
tial disability, acount of an attack of appendicitis
The promptness with which the matter was attended
to,by you, was yery commendable- fahd i haievery reason
to be glad I have a. policy in, the Fidelity. . . .
' "M ' ' I'ahi very truly yours,
; r' .. Rt .. . STELLA L. MA'NTOR.
In the letter from Mrs. Mantor of Sidney, Nebraska, it
is evident that unless she will undergo an. operation for
removal of theapdx'ltiieKeis no means of knowing
how, soon .another, attack may oedtir or how 'long tiri'e at
taclcwill last. .t ji.'
? We insert a few of the many 'letters in our possession
simply to illustrate the fact thatjour combination life,
health and accident policy coversf.wo propositions, i. e., a
life policy written you by one company and a health anil
accident policy by another company. We write it all1 in one
and you only pay us the one expense. If you are sick or in
jured and hold simply a life policy, you must pay for the
policy and your sickness "and accident; if you have simply
an accident policy and die from sickness or disease, your
family gets nothing, while our combination life, and acci
dent policy covers all in one. If you die a natural death
we pay $3000.00; if killed by accident, it doubles and we pay
$0,000.00. This policy pays for loss of two members; both
yes, both hands, both feet, $15Q0.00; for loss of one mem
ber, one hand, one eye, or one foot, $750.00; for total dis
ability from sickness or accident, $25.00 per week or prac
tically equivalent to $110.00 per month, a sum sufficient
to protect you and your income and pay expenses of any
sickness or accident or disaster of such nature that may
overtake you, enabling you to get up with your bills paid,
ready to face the world and begin life where your misfor
tune disabled you. We also write this policy, a jqint pol
icy on man ami wife, covering equally both lives and pay
able to the survivor, covering sickness and accident for
If you are a loyal, progressive citizen of the city or
county and interested in the development of yoiir com
munity and desire to know more about our proposition,
kindly fill in the coupon placed in the corner of this ad
and mail it to Dr. B. B. Baker, North Platte, Nebraska, the
President of the Fidelity Life Association, and he will see
that an agent of the Fidelity will call upon you at an early
date and fully explain the proposition to you. You incur
no obligation or expense yourself in giving us your ad
dress, thereby indicating your .interest in the matter.
Dr. B. B. Baker, Pres., -
Fidelity Life Association. '?'-
I would be pleased to: have, your proposition
fully explained to me.
a, rt vy m.
. .See.,;, iT..f .-.in.y,". .
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