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About The North Platte semi-weekly tribune. (North Platte, Neb.) 1895-1922 | View Entire Issue (Jan. 31, 1919)
9 A Great National Service. How Lite Insurance has Discharged its .Duty to The Nation. By JOHN B. LUNGER, New York City. Through tho lovo of Justice, tho tho gonitis and tho vnlor of tho Amer ican people thoy have recently In scribed a most glorious pngo In tho rocord of human progross. In a noble Bplrlt of unsoinshnoss and micrifleo thoy have glvon gonorously of tholr blood and treasure to liiHiiro tho ln togrlty of tholr country und tho life, liberty and hupplnos of tho genera tions to come. Amoricans aro Justly proud of this sublime achievement In tho sorvico of humanity. And It Is obvious that thoy stand ready to lend a patient oar to a friendly message from any Ameri can Institution which through Its teachings and service In pcaco and In war has contributed to tho grand ro sult. Llfo liiHtiranco Is such an Institu tion, and If I may vonturo to suggost brlofly tho salient 'points of Its inofl sago.that should roach ovory Ameri can homo at this tlmo It would bo along tho following lines: To The American Fooplo A JIcnhiiko of Service. Tho days of posl-wur readjustment aro here. You will now undortnko, not only to restore tho normal balance but to mako such adaptations In me thods, habits and opinions as may bo nocossary to meet tho changed condi tions, In somo directions you aro starting anow In tho eternal soarch for truth, Justico and understanding. Will ou not permit ono of thoso di rections to bo toward a clearer com prehension of llfo lnsuranco not In Us dotnll, but as an Institution? It cach day to socuro these now promises seeks no special prlvllogo, no oncom- t0 Havo nnd tho first deposit of In Iums for.tho performance of Its plain . swiranco saving, thereon duty. It simply asks for a correct pub-1 Do you know of any other orcanl llc understanding of tho nature nnil,rntlon that Is doing ns much or more extent of Its Horyico to Soc oty nnd to encourage prudence, economy and to tho nation, to tho ond that It may th0 protection of the -Stato through meet with fair ludgmcnts from public, tho protection of the homo' You do opinion nnd public authorities. This not becauso there 1b nono othor public knowledge will bo of especial, T . . . valuo to you In tho no-callod readjust-1 111 A l,nss mont porlod when confusion of mind Tno institution of llfo Insurance Is resulting from agitation, hasto, and n a distinct class by Itself. If Justice tho bacillus of Bolshevism at times, l,B donc' '01' WM nwor confuse It or dlvort our law-givers from tho path dnsslfy It with othor corporation, or ot wisdom. j Institutions whon considering nuos- It Is not enough that each of you'1'0"8 "' national service, of taxation should know of tho bononts of life ot legislation, or of public policy. And lnsuranco to tho Individual. That you yo.Lwo "nd 11 taxed to tho extent of willingly concedo. You should npproc-' millions of dollar mostly on the Into tho great part It Is taking In tlfb , theory Hint It Is nn ordinary commer mlghty drama of our national llfo. It ,clal. ",l8inoss, doalgnud purely for it not sufficient thnt you should rccog-1 ,,ront- "avo ovory reason to ad nlzo ltH holp In tho nmlorlul progress 'nlro s,,stn" your great instltu of our country. You should also know Utm-( "fo Insurance. Thn brains and of Its contribution to tho mornlo of ?n?.rRy. of Ub managers havo not only tho nation and to tho oxnlted spirit m,11l nrmly hnit aro constantly ox of solf-sacrinco for tho honoilt of pos-1 ,)Iinil'nB ,ta service to tho Individual tority which you havo so gloriously nn(J tl10 nntlon. Krror.s In practlco demonstrated in tho groat wnr. i nmI, ,n management have been elimln 'Tlio Amorlwin Spirit. ated ns fast ns discovered .Stoadlly You havo obsorved llfo Insurance '"t'ously nafoly, tills groat savings doVOlOD Into a nntinnnl BArvInn Inall- institution lins boon nrooto.l .wi tutlAn of tho first magnitude. Through1 its teachings of thrift it has become- your financial" bulwark against ad-1 vmniiy, mni mroiign uio accumulation nn imporiant oconomlc prop of tho """'"'"-n viuiout Ininnjnnont of sol natlon. It not only protects the holp- vcni7, or the Increasing of rates. Jt loss, but It rollovos anxloty, dovolop's ,,aB tho 1,U)8t offoctiyo'Sta'tb sunorVI Btamlna and aelf-ropect, and builds Bl0 ot "' vrlvntb ontorpriso. It has character. It has sharpened our sen- n,lvnccd until today It stand, forth so of JiiBtlco and service to tho wonk "ncliallnnged as to Its security or nnd unfortunate, und holpod Bhnpo ,,C'0MCV nr honesty 0f management So our national character accordingly. ro,lml wml B(,,,l Its foundation that It has oncouragod and alde,i In tho ovo" tl10 8,1Hck f tho worlds greatest dovolopmont of tho American spirit ?J'nr C0llItI ,10t slmko it. It iH not oE solf-rollance, oC courage in tho Uloroforo' surprising that yoii have battlo of llfo, nnd of dovotlon to fam-' l;nmo to rpKnr,i a llfo lnsuranco 'pollcv lly and homo which lie at tho founda- ln n reBPonslhlo company as safo nr.d Hon of our national greatness. 1 pertnln of payment a n govornmont Clearly you have irlvnn llfn liici.,r . DOIKI. nnco your gooj will and confidence! ,Tll0B aro fncts well-worth knowing bocnuso It has earned it nnd desorv-,nboA't n. Krcnt nd popular American od It. But It deserves more than this u Hnouiu nave your active moral sup port In Its efforts to advance You .should bo rendy and willing to com mend It and U necessary to dofond It against tho mlsconcoptlons ot tho un informed. Thua you will bol i li . - vi--, tho nation, nii.i to nostorliv. Lot us brlofly note some ot the more rtpecltlc reasons for asking thlH uir anlmoiiH moral support. Lot us stand back far onough to get a hotter por- fclltJAlt I f il.ni v.,.,v,..,i.-, uint you may see tho nature nnd magnltudo ot this groat humanlz-1 Ing orgnnlznt on In n ir., tlons. " V"- "'"""- inPmw U 2t,lnd8 1,10 mosl colossal Inrtlttulon for savings and inutiinl protection of all hist monument to the unsolflsh thrift of you. tho Amorlcan poople. Tho Ameri can compnnloa aro moro than twice ?n. hPBm "S nll.U, oU,or ,lf0 Insurance , ,l.utI"n ot tho world combined. ?.u built thorn. You own thorn. It Is mpor ant that you know at least tho . Jmportnnt features of tholr structure. A Jllglily Savings Institution. vllpnr In mind that llfo lnsuranco is nn, Institution of savings nn,i protec tion and not nn ordln ' selling, profit-making, commercial on- lulling, mo rocoipts rrom all sourcos must bo roturuod to tho loposltora or tholr bononclarlo minus tho cost of operation. You havo as a rosult of jour lnsuranco savings ovor six bil lions of dollars of lito lnsuranco. From this mighty rosorvolr of nssots thoro flows a novw-ondlng goldon Htronm Into tho homos of our count rv. aggregating two million dollnrs por day. TllO SO-Cnlled dlvldotnln in nnllnv. im us usoiuinoss to the cltlzon, to'"1"10 organization, Its funds, nnd Its holders aro simply Uio return or ro fund of saving,, not noodod for ox lionsos or for protootlng your con tracts, T,ho surplus Is tho sum held ovor . nnij nbovo all llabllltios to guard against Impairing contingencies. Thl, Js tho cushion that absorbs tho hock of unforsoon Iosbos or financial do mandu duo to -war, opldomtcs, deprec iation of values, ota It need is shown by tho rocent opldemlc of Inlluonza nnd pnoumonla which has resulted In doath claims of not less than fifty millions of dollars. The companies which conduct these vast operations aro not commercial In spirit or organization. Nor do thoy roprosent vast accumulations of capi tal ns is so often charged by tho unin formed. Thoy aro in truth vast accu mulations of people combining to gether for mutual advantage and pro tection. The number,, of outstanding policies of such people havo increased from twoiityflvo millions to fifty mil lions In the past ton years alone. If tho assets of the companies wero di vided amongst tho policy-holder, tho average cash value of each "policy out standing would bo in tho ordinary companies only $.'!93, and in the In dustrial companies, only $.16. Life lnsuranco diffors from othor savings institution. In a very Im portant particular. It dooB not wait for tho spirit to move people to Havo and to deposit tholr savings. It maintains M, vast army of thrift missionaries who arc constantly ongagnd in personal visits and appeals to tho people In the intorcsts of rational economy to Have for tho rainy day nnd to deposit their, lnsuranco savings. Yosterday and to day nn,i every day this year approx imately 1,000 promises to Bavo for or dinary lnsuranco and 2C.000 promises for Industrial lnsuranco will bo sign ed by our people a a rosult of tho of forts of those tireless crusadors for homo protection. An idea of tho labor Involved in this Borvlco can bo gained Imntclv 90.000 mill i,,,iiv!,i..i irom too ran mat it takes ajprox lool,ort t,iro".Bh u'p stormy, hazardous ?1arI' 'PnrB of its oxtstonco. It has , n successfully guided through tho ""'V i'-nrn. scnnuais, panics, nnd ...si union, nioy are enslly obtained, easily understood nnd should bo a pnH of tho ordinary education of ,n,i i .. . . stand ng-not T. y o lnsuranco iP fioir-lmt o ' tho slmnlo fTdnmnntn of tlm or JniVn?inT",:"'Vln0" " - . :. ""uuuuun nntlonnl sorvico able. This lack of .understanding Is round not. only among th0 uneducated elomont. but among buslnoss men. od ucntors nnd especlijllv among Inw- iiHiKors wnoro it orton loads to Inius- ,lco Wrng Notions forrecled. An Instnnco may bo cited whore this misunderstanding becomos hnrm ful, Tho bonds of two Importnnt com inlttQOfl of Congress havo referred ln a deprecatory way to what thoy torm od tho "vast wealth of llfo lnsuranco companies." Thoy also havo advocated tho return to tho policyholders of tho surplus or omorgency resorvo. Tho fact that llfo lnsuranco com panies own no wealth was unknown to thorn, nnd thnt tho groat hulk of tho assets are resorvos required by law and hold to protect donnaUm.- n,i which nro returned I film rnnruA .In tho owners or bonoflclnrlos. seemed to bo nows to thorn! Thoy did not renllzo thnt. If these nssots woro returned to uoposuors tnoy would nvorngo, as al ronuy biiowii, only nbout $393 for or dinary pol'cles and nbout $3G for dustrlal policies. Thoy seomod who'iv unnwaro that thoso small avorage In dividual savings of tho holdors of ovor fifty million 'pollcl.ic. woro po--formlng tho extraordinary nation"' nuiit;.) 111 Bururiug tno current pa montB on ovnr twonty-soven billion j Whon It was found necossnry to mako Teased from war servlco will unwiso dollars of UTo lnsuranco protection t' solicitation drlvo to lnduco the sol- lrdp or lapso this lnsuranco. Evory tho American peoplo, Tholr crltlclsi" dlors to accopt it In largo numbers, ' cltlzon, thoroforo, who wishes to on Hoomod to point lo tho bollof that lite .Hfo lnsuranco mon wore called upon'courago unselfish thrift, who wishes lnsuranco assets piled un in vaults In Idlo cash and that surplus has no pro toctlvo or valuable function. Absurd as thU seems yot thoro nro a vast numbor of poqrjlo who do not know thnt ovory dollar ot Hfo lnsur anco assets not neoded In operation of tho ontorpriso Is promptly put to work In "properly socured lonn to fnrmors and othor proporty owners, to rail- roads, public utilities and othor enter- ever, as a matter of information, to prlsea, and to the local, stato and na- invito attention to tho orroneouB lm tional governments to bo used in pub- presslons that havo boon allowed to lie improvements. Therefore, your in- go out In news itoms regarding some aura nee savings whllo insuring your phasos of this subject of govornment lives are- also performing a great na- Llonal rvlce in agisting in tho, de- Tho Improssion was created at the yolopment of tho commerce anflVro- outset that tho life lnsuranco corn sources ot tho nation. Tho interest of panics wore, for competitive reasons. American policyholders ln rallrtfnds opposed to government lnsuranco of alone aggregates ono and a half AM- soldiers and sailors ,and also tho Im lion dollnrs through invostmont of In- presslon that tho govornment has dls snracee funds In railroad securities, covered a now method of insurinc It li important that you should know those things for you will find rnsny occasions to use them to the ad- vnntago of yourself nnd your country . The men who have been building and rlnvnlnnluiy ilm Attintfnn Itmf OaM Irt.i nf life insurance have prepared It to meet Iiwuniiic "l Substitute for Tensions rtierossftlly tho stress of almost any Another erroneous Impresslon which 'nforseon emergency howovnr and- many editors and a large number of don or erlous It mav be. Witness Its peoplo havo gained i that tho Gov 'abllity. and Its greai service to the eminent llfo insurance plan was adop tion under the street of tho world ted to replaco the old war-pension wrr. Hero Is a golden opportunity for svstom. This entirely incorrect notion -fit. Am-rlc-an people whboliove In jB still being given as Indicated by a S-fety First, to compare the wisdom recent artlclo from Washington pub-r-r the life Insurance companies in ijsho,i throughout tho country. Tho maintainor a surpb or safety fund fact is that tho old pension system is " jruard the rosorvn rmtnst oxtra- replaced by a plan of compensation --rtfnnry emergonclec with tho suit- for doath and injuries and not by life -e-tlon of Uip two lawmakers alroady insurance. This is found in Article 'ofArrcd to that this surplus bo do- m 0f an Amendmont to tho Act es- e-e nnti (nsiriume,! ro mo policy- b ciders. Mooting Great War Emergencies. The great war found tho companies piopared to perform a most valuable nauonalsvice; one i.nrtaiu form of which was to meet new nnd extra cniinnry iinancini burdens. Vlrtii.illi. ..11 initulniwlllin on American men could bo carried into tho war without an extra premium ' , , ,1 , 11 ulsunct- rhargo. Tho companies, therefore. ond whol,y ,n n(1(lltin '"tbo new pen i tcod to pay out largo sums In oxcobs Bl0n "r compensation allowances .For war mortality not provided for In oxamW: A wWow without children peaco rates. would receivo under this pension or Tho Influenza epidemic paused compensation section $25 per month deaths which, based on Washington imt" her ,eath or remarriage. (If estimates may numb&r more than 350.- thore bo 0110 ch,ld ?3R- two ?47.50. 000 lives, and calling for vsjst oxpen- lhr1 $52-50, four $57.50.) If her dlturos for unexpected death claims. u"Hhnnd ,md cnrrled tho maximum of Another war strain placed upon llfo 10'000 of gernmont life Insurance, companies Is th0 temporary deprocla- a,'o would receive this sum In month tlon ln the value of assets in first-class Instalments for a period of twenty securities, a shrinkago which must be VT!irs' tho instalments amounting, met when necessary to soli any of with credits of interest, to $57.50 per them. month. Tints tho widow, if she re in addition tho companies wore malnod single, would havo a combin obllged to moot Increased operating 0(1 monthly Income of $82.50 per expenses, nnd also to meet tho un- month for twenty years and thereaf wrltton obligation of increasing an- tcr $25 per month for the remainder nually tiro volume of insurance protcc- ot 'ier Hfo- In event of hor remar Hon to tho public with forces greatly riaBo at any time the $25 would cease reduced and shattered by withdrawals ,)Ut 4,10 $57.50 would be payable for military service. , monthly for .'twenty year .in any When our Government and the" AJ- event. Hen appealed for vast loans to help Another fact thnt is so often ob wln the war the life companlo, wore acured In public utterances as to bo -ailed upon to mako quick and extra-' noticeable, is the provision in the ordinary finnncial rtjustmont's. This 'aw that money shall be taken from summons was mot by tho purchase of tl10 'public treasury to pay tho excess Liberty Loan bonds to tho extent of lnsuranco mortality due to war over c89 millions of dollars, and before weinnd above that provided by the peaco entw-od tho wnr of approximately 100 j rate, which the Govornment charges -'illlon of Canndinn, Engllsm and. tho soldiers. It is possible that the French loans. I dissemination of those erroneous inr- Thoro aro no less thnn 100.000 1 neoplo engaged In Hfo Insurance work i in various sections of tho United States. A cnll wns made for tho ser vices of this patriotic army oMlf'o In surance employees nnd agents to lenvo tholr work and help solicit for war loans and wjir charities. 'Thu's tho greatest flold army of thrift crli sadors in tho world was organized under tho leadership of tho companies nnd or tho Nntlonnl and local Lift' Un- (Inrwrltnr A acrvnln Mono fn l mtrlm solicitation in ovory citv. town nnd hamlet in tho lnnd, and oven In tho i i . .. I Isolated homos In tho rural districts. In consequence of this nctlvlty snles bonds, aggregatlne not less than sr.00. 000,000 were mndo nn(i substan tial amounts woro raisod for the Red Pross Y. M. O. A.. K. of C, Jewish , causes in theso forces havo been only Wolfnro Bonrd and allied orgnnlza- S.000, wo have a total of at least 82,-tlons.- 1 000 deatha slnco tho lan went into From information rocolvod from the effect in 1917. About 95 por cent of lending companies, I havo estimated .these deaths represent lnsuranco that officers, clerks and agents to tho claims on tho government averaging lumber of 8,500 enlisted for service $8,734 each. This would indicato to in tho ranks. Over 190 aro serving ln tal ultlmnto claims of C80 million dol Red Cross, nnd in other war-welfaro , lars. Deducting from this tho premi organlzations. Iums paid by tho soldiers aim" sailors A full measure of credit should bo i which wo may generously estimato at given for tho vnluablo sorvico render-1 200 million dollars, we have an ap od by tho agents of tho great Indus- parent excess wnr lnsuranco mortality trinl companies, tho Metropolitan.! to ho paid from tho public treasury Prudential arid John Hancock, which) of 480 millions. unuoriooK lo sou war savings Stamns. ho'r,d"f'trla' Policyholders. The'tod recognition of tho services of our Melro,pn,,tli!, ,a,0" , mH nlrc?ndy sold, heroic dofondors. and it must bo ovor 100 ,""on ' gratifying to oven- patriotic American In short, tho llfo lnsuranco com-1 that Congress Jias dealt so generously panics have given tho Government Wth them ln this matter of com'pen every posslhlo asslstanco with men,' satlon and Insurance, money and credit. They hayo ini- f You should understand, howovor. and put into effect many plans to as- that no now method has been found by -1st in tho great drives and a very tho Government to lower tho cost of ZZt Zff V1lOnfflC0,;S nnd r0P-!lifo insurance, but that the low pre- rlVO lav Ishlv of l oir HnT,V,V', l'1 ',!lm ChttT1 OUr S0,dlerB Ba"- gien laMshlv of tholr time an, thoir ors Ih mn.i0 n0aSibn hv tin. nitrimin monov. as othor, havo done, to servo' " S?B m,- i..!.,6. ?"trJ?" the Government and tho nation in tho irreat war. This was a patriotic duty Which thov worn ln,l in .W V. Va thoy nsk no esneclal cro.m Vnr thoy ask no especial credit for por - nR It, . forming Asslstod Govornmont War.lMsk l'lnn. Vmir llfn InRllVntin pnmnnnlaa nn gnvo tho Govornmont tho knowledge1 Insurance mon and others now ! and oxporionco whorowith it estao- nn imortunity to render an additional llshed Its lnsuranco plan for our sol- 8orvlco to our soldiers and sailors by dlors nnd sailors a. national servlco nilvi8lB them when thoy leave tho of no Binnll magnltudo. It is well Hint servlco to retain tholr govornmont in you should know thnt when govern- "raiico and ns soon ns tholr clrcum mont lnsuranco for tho fighting forces 8tances will pormlt to chnngo thoir wuh uiiKKUHii'ii I which lft in miiiitimi to tho now pension or compensation bonoflts), tho companies woro prepar- ed to porrorm this pntriotic service m" l"r 1110 ponou 01 nvo yonrs anor at cost, it gnaranteod against loss and tho offIclnl declaration of peaco. Tho that when tho Govornmont decided to mnngemont of tho Wnr Risk Bureau at ostnbllsh nn Insurance bureau of Its" Washington in Us efforts to glvo our own to enrry out this great task tho soldiers and sailors tho fullost meas lnsuranco compnnlos promptly camo '"'ro of protection undor tho law aro to Its assistance I entitled to this nsslstnnco nnd support Thoy publicly commended tho 'rom you for tho reason, which Is well riplondtd gonoroslty ot tho Govern-1 hnown to lnsuranco mon, that a vast mont nnd .irrged tho mon to nceent it. numbor of thoso youncr men whon ro- to assist ln the work nnd they resnnn- dod promptly nnd successfully. Tho beneficent institution of llfo In- suranco as It now exists is so groat mid so woll fortified ln public con- fldenco ns a rosult of tho oxtont, valuo ond dignity of Its servlco to humnnlty nnd to tho Amorlcnn peoplo that In- correct public statements cannot sor- lously nffoct It. It may ho woll, how- Insurance for our Boldicrs and sailors Hvos that could materially reduco tho cost to tho public. Such statements or 1 mferonoos aro not merely misleading,! Mi absolutely without any foundation , fact. tablishlng a War Risk Bureau, ap proved October 0, 1917, and grants "compensation for death nnd dfsnbll- " b,'a ..V , r I..." lt.l.t.lt f n 1. 1 ' . " " " V1 , !noro, thV"!VS "". and dependents of thoso who die in the service. Llfo lnsuranco benefits "r, Provided In Article IV ln the same nressions 1 duo to carelessness, but the fact Is that they have to a certain degrep misled public opinion, as anv ono can prove by questioning n few average citizens as to tholr under standing of thoso matters. Clearly It I- to tho Interests of tlio public that hose misunderstandings should bo corrected. ficnciroslty of Nation, Tho War Dopartmont has stato'" 'that tho mortality among our flcht L"B. forces abroad from all causes was Dll.UUU. UI1 .nvnm ISP tli thn Aaalat- .iw. vi,. iav kpuiu V ant Secretary of Treasury announced that 18,000 deaths had occurre,! in tho forcoa within tho United States from tho Influenza epidemic alone. As- Fiiunlng that the deaths from normal This i a. inntrnlflcnnt mul wnll-morl. w " r 7 Kovui nuiont WOUIU OI COlirso DO ' .ollp.od to charge adequate rates, ' 'TV' "V aea.uaio raie tho llfo lnsuranco companIoH as are I obliged to do. Soldiers', Hold Fast lo jour Insurance i I" "' '"""".".J luim iiiHuriiiiuu to. the pormanent or lovol premium form, a Privilege which thoy onjoy under tho to bog that jlonondontR of our soldiers and sallorrprotocted and who believes thnt llfo lnsuranco 1b an important , nnd necossnry factor In promoting tho comfort and happiness of tho nation, should Join In an effort to lnduco our domohlllzed fighting forces to hold fast to thplr government lnsuranco which tho peoplo havo so gonorously provided for them. Oorcrnnient Ownership Opposed i Wo occasionally hear disausscd tho; possibility of tho Govornmont taking! over tho Institution of llfo Insurance. This, howovor, seems so illogical and remote a possibility as to scarcely call for sorious consideration, but if it should eventually bo done, tho same provision for reaching Into tho public treasury must bo made If tho Govern ment is to give tho public tho same highly efficient service (including a great and necessary army of skilled thrift missionaries) that America's ,rrent institution of life insurance is now giving. This is true because no eovornmont nlnn to Insure thonirMlp ZSl,! JSl " SnSSJS' howovor ably or honestly managed, can possibly glvo this same quality of service at a low a cost as it is now being furnished by the companies. To my mind It Is Impossible to mnn age any buslnoss organization under political direction as efficiently and cheaply as It can bo conducted under" private management where skill nnd experlenco is employed without fav oritism and whoro discipline effort and owprll do corps can be kept at n much moro effective level thnn Is pos sible among politically selected or controlled Industrial forces. Tho present proposal of a policy of government ownership of certain en terprises, na Indicated, for Instance, by tho resolution recently Introduced In Mie United States Sonnte, which at tempted to doflne Its scope, can only ho characterized as s.tate socialism. It is at lonst tho entering wedgo which If allowed to develop can only loaj to ho complete overthrow of reproscnta 've democracy. It will turn our coun try Into a bulrcaucracv far moro op r"nivo nnd destructive to human ""c-ess tlinn the nurocrncv which has Hist heon overthrown. It would, to a prreat oxtont. crush tho splendid American rfpirlt of enterprise, and In dividual ambition to mount tho rounds of tho ladder, becauso under such cir cumstances a largo part of our popu lation wovlld become government em ployees moro cogq in the wheels of " "oai ploUtloal mnclUno-servinir under masters selected for political reasons. T know ot no reform needed ln our ransportatlon system or anv of our other nublic oervice or large com "inrclnl onternrlses that cannot be "rrrpctpfl bv 'nrlvnte management un lor "nvornmont regulation nnd con--o1. Tf. for Instance, it is argued that '10 Government, with sunremo nowor. 't rot ablo pronerh to reeulnte or -lipprviop onr roUroad. how can It bo nrfru".! that it i qualified to psumo iip far rrav-or resnonslbilltio3 of heir nehial mnnsir-pmpnt' Rovprnment. ownprai,),) jq rv;relv a fp'i FIn rpniPdv. It. is unnecessary nn-'Amrican. InNnv li'imble iudir- -o-.t flin Amprlrnri 'noonlo ivH not f1"nt ' pq nqtnhllojie'l "nllr-V. Itonicmlier TIicso Tiling. In conclusion I would ureo overv ono of you, American people, to real ize tho great variety and universal character of the service life lnsur anco is rendering tho country, it reaches virtually every nook nnd Cranny of the nation where a human habitation is found. It is indeed dif ficult to get o.u,t of sight of evidences of its service when once familiar with them. You tako a Journey; and thru loans and Investments of reserves and othor funds you find Insurance savings serving tho nation in tho con struction of tho railroad train in which you ride and in tho track and bridges beneath it and ln the great terminal,, which it enters. Yoi gee them developing farms, and In the cities nnd towns which you pass, great business structures, trolley lines, electric light systems and other important enterprises. You also see llfo ine.",rnnco savings and service in the construction work you may ob serve in public highways, In court houses, school houses and other 'pub lic buildings. You seo thcmiin tho ship vards. in the arsenals. In the army camps and In all kinds of local, stato. nnd nationnl governmental enter prises for which bonds are Issued. You seo them In thousands nnon thousands of comfortable little homes wnicii you pass and which havo been saved or htfilt by llfo insurance money loaned, or paid In death claims. You seo them in our schools and colleges where a great scattered army of tho youth of tho land aro being edu cated with lnsuranco money provid ed by prudent fathers who havo pass ed on. And you see In evory-day llfo evidence of tho great service of llfo lnsuranco to our 'pooplo in the cheer ful, honoful. contented look and huoy rn rnlrlt of the nation at largo. ThU nrMrlo mibllshiMl bv ihe T K. SKHASTIAV STATE AflKXrT, ronrexontlnu' '!'Hi: VTWKSOTV iri'TFAT, LIFE TXSritAXf'E ('(WAXY, ono of AFiierlrn's bosf nnd soundesl coniHnlcs. : :o: : MAXWELL NEWS. (From tho Tolepost.) Mrs. Paris AI. Speory, of this plnco, wno nan a sovoro attack, of tho flu and was recovering, lost tho uso of hor right arm last Thursday, tho sldo or nor race also bolng slightly drawn. Bonn Brlggs, who enlisted at tho beginning of hostilities with Amorlca i rotAirned homo Sunday. Whilo ho spent two or throe months ln France, ho was not ln action. Ho is looking ilrst raio. A lottor rocolvod by John Snider rrom Jorry Btatou his lower log wns badly shot up and ho may bo sent to Bomo woetorn hospital. IIo wont nvnr tho top sovon tlmos nnd tho last, was. imnKou, most or m, comrades bolng Kiiiuu or woumiou. jorry made them pay doarly for tho damago rendored mm, wo undorstnnd. narry I'aul, son of Mr. an Mrs Klingo. of Boxoldor Canyon, south of maxweii. uioa Friday,-Jnn. 24, 1919, ;i p. m.. rrom inlluonza. ::r.:: l'oopio enslly constipated dread winter no fruits, no vegetables to help tho stomach. Your best relief, your greatest frlonds. is ilollistor'R Rocky Mountain Tea. cuarantned tn positively relievo constipation or your money Dacn. isoid Oy John O. Patter son, Druggist. i i ii 1 1 hi ii 1 1 1 1 1 1 1 1 1 1 im i JiMHiuj jHiiwnns THE LITTLE WIZARD 1 By MADGE WESTON. rilllllllllllllllllllllllllllllllllllllllllllllllli7 (CopjrrlKlit. 1U1S, Wntrrn .St.)wr lulun.i Rlennor lenned bnck lu her chnlr nnd considered the problem. Though Klennor's lips were pressed together firmly, there wns nbout hor long-lnshcd eyes nn' expression of childlike appeal. Out of nil the chuos of chnnge, some sort of homo must be saved for Eliza beth, nnd how to niiike thnt hoiile wns Eleanor's problem. She hud kept the country homo ns long us their small legacy would nllow, and It hud been the fact of Elizabeth's helplessness which prevented the elder sister from going to seek work In the city. Beth had always been u frail little crenture. with no positive nllment, nnd no strength of constitution. The light est household tusks wero nil thnt had Pillion to her share. Checrfijlly willing wns tho little sister, but pathetically Incapable. Eleanor bad shouldered nat urally the hardest pnrt, the seamy side of living. Its mnterlul cares were borne In silence; anxiety nlso upon nny sub ject wns apt to put the child Into a depression which was hard to dispel. The old home must be sold for what It would bring, and ln the meantime, she, Eleanor, must go to the city to seek u position which Inter would sup ply their needs. Ellznboth could visit with one of their old neighbors until Elennor should send for her. But with sweet obstinacy tho little sister ob jected. "I will go when you go," she said. Reasoning wns useless. "The room which will hold you will hold mo ulso," Elizabeth Insisted. So to the dingy room which Eleanor found she brought as many comforts ns she conveniently, could from the pleasant homo which hnd been theirs. She was promptly successful ln find ing, through the Influence of one of her father's friends, a position which would grow In ndvuntuge with her own efficiency. It was comforting, returning at eve ning from nn indifferent world, to find Elizabeth waiting always In the lighted transformed room of the city boarding house. The old piano, which Eleanor hnd saved from the selling gave to tho little sister many hours of pleasure. It wns usually seated before this instru ment that Elennor found her, the little hands touching with loving harmony the yellowed keys. "What do you do to nmuso yourself all day, dear?" Eleanor asked one eve ning. "TJiese four narrow walls in close so little." Beth with one of her gay laughs dropped down resting her head against her sister's knees. "These four walls," she replied, "in close my whole world thnt is your self, Nell, nnd my music. For when you are not here I nm dreaming of all that you hnvo been to me, nud of nil that I would wish for you in the fu ture." The girl raised her face slowly. "And when my wishing grows too grent for my heart to hold I volcb It nil In music. Walt " She ran to tho pliuio und dashed off n brilliant intro duction. "Listen," said Beth. 'This is your love song." Eleanor's tired face brightened. "You ure n wlznrd, Beth," she said. "You can drive dull care away." It wns the appearance of, the man which disturbed Nell's serenity and brought her to her disquieting fears. She hud found him In tho cozy room upon her return one evening. lie was Imaging over Elizabeth at her piano with nn iiir of very evident nd orntlon. Rebellion nt his Intrusion possessed the elder sister. Who was he to en ter intojilie quiet of their home with bis daring admiration? Elizabeth explained the stranger's presence enslly. "A neighbor of ours who lives In the big room across the hall, Nell," she in troduced. "Mr. Shaw Is his nnme nnd Mrs. Brandon brought him In to meet me." --"At my request," the man added smilingly, but Nell did not smile. Elizabeth's eyes wero sparkling, her cheeks were flushed with some new ex citement. Long had she guarded the frail llttlo 6lster lest love finding Elizabeth might puss on to her hurt. True love cones not always ; her churge must suffer no grief. Leonnrd Shaw's personality was one to Inspire confidence, his manner one of frank charm. Nell's heurt sank within her as she found him oftcner ut her sister's side. Sometimes ho would wnlk down the block ln order to meet Elennor und return with her. To tho elder sister these evening hours brought n nilxture of pain nnd pleasure. Then at last she faced tho truth: Her resentment against Eliza beth's evident approaching happiness was not apprehension for her sister's welfare, rather was it a regretful cry from all her years of sacrifice. Was she growing selfish now? ' Hnd she not always chosen for Elizabeth "the better pnrt?" "Dear," cried Elizabeth. "Leonard Shaw was at the piano tonight," and Beth bent nbovo her sister, speaking In breathless whispers. "1 can keep the secret no longer. Mr. Show Is the writer of popular songs. He heard me singing and that is why he asked Mrs. Brandon to bring him In. My songs are popular, too, Nell; do you under stand? Mr. Shaw can sell them for lots of money ho knows. So my wish for you is coming true, even tho lovo part," Beth turned mischievously to wnrd the unconscious muslclnn. "He udoros you Nell I Oh! You needn't stnrc. I know. Don't you toll me yourself that I am a wlznrd?"