HP SPir" "'
The Commoner
VOL. 14, NO. 11
30
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SOME
DEFINITIONS
tho
MFH INSU11ANCB A Contract by which a company, in consideration of
nnvmntit f onfinin nrKmiiimH. iletoos to nay a definite num at the dcatn oi
u j.u.,7 ......... w- . v... , ' " . .. . ,., l.nfllnir
tho perfion whoso life is insured, either to his estate oi to m ut.n...u...
DIVIDENDS Tho return by the company to tho policyholder of the over
charge in tho premium or premiums paid. These vary according to the deatn
rato of tho company, tho interest carried on its investments and the cost of con
ducting tho business. Dividends on life insurance policies do not -represent
profits. This should always bo kept in mind.
ANNUAL DIVIDEND Tho amount returned at tho end of each policy year,
being tho over-payment mado at the beginning of the year.
I)HFKHH13D DIVIDENDS Tho nmottnt returned at tho end of 10, 15 or 20
.years, being the aggregato over-payments made at the beginning of each year.
Only those policyholders who livo to the end of the deferred dividend period
land who pay all tho premiums on their policies participate In this return of tho
over-charge. Tho portion belonging to those who lapso their policies, or dlo
beforo tho distributing period, is. forfeited. '
.GUARANTEED DIVIDENDS Tho. repayment of a stipulated amount of the
.premium collected, ns live per. cent or nine: per cent. The amount returned is
.collectod at the beginning of the .policy year and repaid at tho end, In other
words, tho premiums paid ar increased by just the amount which the company
agrees to return. . .
I When tho Insuring public 'understands the nature of so-called dividends in
insurance, that these dividend's do not represent profits at all, but the, return
of an over-charge, puro and simple, a very pertinent inquiry is "Do not somo
'other companies issue policies at a lower premium rato and thereby, let tho
'policyholders keep tho 'dividend' or 'over-charge' in their own poaket?,"
Yes, thero arc a number of companies Issuing such policies. They are. called
non-participating policies. Some of the good points of these policies, as Issued
by THE MIDWEST LIFE, are:
,, 1. Tho exact cost of tho insurance is guaranteed.
2. Thp Insurance Is' payable immediately upon receipt of proofs of death.
3. Right of insured to change tho benoficiary.
-, 4. Graco of 31 days lri payment of all premiums after tho first year.
.5. Incontestable after fourteen months except for violation within tho first
flyo years of tho condition's as to" military or naval service in time of war.
6. Tho proceeds of tho policy will be paid in Installments on request. .
7.. Automatic dxtended insurance after payment of premiums for threo
years in case of default in tho payment of any subsequent premium.
8. Paid-up insurance in case of default in payment of any premium after
' th"o third year, if applied for within forty days after such default.
9. Loan values after premiums have been paid for threo years.
10. Cash surrender values after premiums have been paid for three years.
11. An extremely "libern,l reinstatement provision.
Wrlto for any additional information, and your letters will receive prompt
and courtcpus attention.
The Midwest Life
N. Z. 3NELX, President
A NEBRASKA STOCK COMPANY
SELLING NON-PARTICIPATING LIFE INSURANCE ONLY
FIRST NATIONAL BANK BUILDING. LINCOLN.
Whether Common or Not
Grandpa
There's no one in this whole world
who knows as much as grandpa
does.
I sometimes think that he must be
the wisest man that ever was.
He can predict the weather better
than the regular weather man;
He doesn't always guess it right, but,
then, no other feller can. N
He always tells us, far ahead) how all
elections will come' out;
He's seen so many hot campaigns as
never lias the slightest doubt.
,Of course,-he. often- makes mistakes,.
and very seldom callp the turn,
But there are very few who can, that
is so far as I can learn.
He's got a safe, sure remedy for
every ill that man can find;
There's no disease that he can't cure
or none that I can call to mind;.
Of course, sometimes, they don't get
well, but that is just part of the
game;
A lot of doctors that I know in this
town must admit the same;
His knowledge is as free as- air; he
always peddles out advice
Without the form of being asked; his
' wisdom is beyond all price. .
Some fellows who have followed it
have made their fortunes; .some
have not;
For grandpa's human like the rest,
although he's liked an awful lot.
Brooklyn Eagle.
Ceremonious
BARGAIN OFFER
for Limited Time to New or Renewing Subscribers
THE COMMONER m THRICE-A-WEEK
NEW YORK WORLD, both
One Year for Only One Dollar.
Address Orders to THE COMMONER, Lincoln, Nebr
SOUTHERNi
IDAHO IRRIGATED LANDS
No drouths. No floods. No crop failures. Mild winters
Cool summers. Good water rights. Land very fertile and pro
ductive. Price $45.00 per acre up for fully paid up water right
For further information write
W. B. MILLSON Jerome, Idaho, Box 266
If there is one thing a commercial
traveler dislikes more than another
it Is elaborate ceremony; and if the
spirit of his profession is in him he
generally finds some way to let his
prejudices be known.
une evening a traveling salesman
from Cincinnati happened to sit down
at a hotel table in company with half
a dozen state legislators, who talked
with excessive formality. It was
"Will the gentleman from Hardin do
this?" and "does tho gentleman from
Franklin want that?" the ordinary
form of direct address being carefully
eschewed.
For nearly ten minutes the com
mercial traveler suffered in silence.
Then he turned to the waiter and
aaia in aeep, oratorical tones:
"Will the centlfimnn fi-nm t7!H,;t
please pass te butter?"
The remedy was effectual. Phila
delphia Public Ledger.
Invisible Samples
Dr. Hai'vey W. Wiley was asked to
speak at the southern Chautauqua.
On arriving at tbo rnT, nt ,i
town he was accosted by an old-time
negro. "Dis way, cap'n, dis way! I
kin take yo' anywhar you want to
go.
The doctor followed, and was con
ducted to an old chaise of the vintage
of the early nineteenth century. The
to assist the doctor to his seat.
I have no luggage," answered
thl Sn ' l6tt my
"Hotel, sah?"
taua!:a"p6aPr5!?th0'l0CtOT!""'C"a-
dat amVbutVWft
somehow," and climbing into tlm
front seat he drove. on.
A little way along, and the driver
seemed concerned. Turning to the
doctor. "Am yo' got any kin' o'
pa'ticlah bizness at dat park?" he in
quired -with manifest concern.
The doctor thinking to simnlifv
matters said, "Well, yes, I am goine
to sell some things." 8
"Oh, yes, yo 's one o' dem kin' or'
drummer men, spoke the negro with
quick understanding.
"I might be called that." nPrC
the doctor tentatively.
, k "MighfrAhvinquiah, sah, what you
The doctor smiled. "Some call it
wit and some wisdom," he answered
"Yas, sah?" said the driver; then
after some mediation. "Yo am rt
fust drummer, sah, dat Ah evah see
who did n cairy any samples wiv
him, sail." Wichita -Eagle.
' IViebbeo
There was a certain bishop who
had a pleasant habit of chatting with
anybody he mishti meet durincr his
country, walks. - One day he came
across a lad who was looking after
some pigs by the roadside, and tho
bishop paused, to., ask him wliat he
was doing, that being his usual open
ing to conversation.
"Moindin swine," the lad replied,
stolidly.
The bishop nodded .his head
thoughtfully.
"Ah, is that so?" he commented.
"And how much do you earn a
week?"' ' - ;
"Two shillin's" was the reply.
"Only two shillings?" remarked
the bishop. Then he continued,
pleasantly, "I, too, am a shepherd,
but I get more than two shillings."
The lad looked at him suspiciously
for a minute, then he said, slowly:
"Mebbe you gets more swoine nor
mG to moind." Tit-Bits.
A Narrow Escapo
When on a visit to this country,
some time go, Captain D. P. Burton,
the famous English yachtman, who
sailed the Shamrock IV., told of an
experience that a party named Hans
stacked up against.
Hans had a small shop in the .city,
and on leaving it to go home one
evening, he accidentally turned on
the gas jet. Early on the following
morning Hans reappeared, and just
as he opened the door he struck a
match to light his pipe.
Among the things that happened
was Hans, and when the force of the
explosion died out, he was rolling
up against a tree along the curbstone.
Instantly several people rushed to his
assistance.
"Are you hurt, Hans?" they solicit
ously cried, lifting him to his feet.
"No, I haindt hurt," answered
Hans, "but it looks as if I shoost got
oudt in time." Philadelphia Telegraph.
Arguing With a Woman
"Dar ain't no satisfaction in a
batin' wid a 'oman!" disgruntediy
declared old Brother Stookey. "era
ladies isn't got no un'ersta'in nus
sah, dey ain't got no mental grasp,
as yo' niought say. Now, in de abgy
munt dat me and muh wife had last
night 'bout a p'int in de Scripters,
'spite o' de fact dat I dug up a pausei
o' fine, big words and flung 'em a
her, I couldn't convince her. I roim
" -" UOIU HU1UUUUUS5 BUUJluo .
I Battle of Bunkey Hill, I did sounw
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