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About Omaha daily bee. (Omaha [Neb.]) 187?-1922 | View Entire Issue (April 1, 1906)
THE OMAHA' DAILY BEEt SUNDAY, ATRIL 1, 1906.
t DON M. MARTIN
209 South Thirteenth Street f
Oppoilte Omaha National Lank.
f State Mutual Life Assurance Company
' OP WOROKST Fit. MASS.
J STATE OF NEBRA8KA. OFFICE OF AUDITOR OF Ft'RLlC APCOtTNTS:
2 , . LINCOLN. Feb. 1, l!.
W It IB herehv rewifleil th or.u x r . i , , i rir. t - .
Worcester. In the Stale of Massachusetts, has compiled with, the Insurance
Iaw or this State, applicable to such companion, and Is therefore authorized
to continue the business of life Insurance In this State for the current year
ending January 31st, 1907.
Tfm lma l4.St.M6 !3
AH other sources 11077.78
Total S E 52 414 73
. . ..,, DISBURSEMENTS. ""' ' "
Paid policy holders I2,725,9"0.!ti
All other payments , 9:13,553.42
Total ..,,,. ... t j p) 72
Net reserve. . $24.145.8K7.0O
Net policy claims 4h3.m.0O
All other liabilities 84a,SJ5.21 $24,6i9,fi22.21
Capital stork paid up...., , ...
6urplus beyond capital stock and other liabilities".'.'.'.'.".'.'. '1613,728.391 2.l3.72S.S9
Witness my hand and the seal of the Auditor of Public Accounts the day
and year first above written. E. M. RKXKLH. JR..
(Seal. Auditor of Public Accounts.
. , JOHN Ia PIERCE, Deputy.
When you Insure your llfo. select a MaaNachusrtta rnnmnnv uikIit
th "Massachusetts System," vrhfre every policy holder nets a square
The STATE MUTUAL OP WORCESTER, MASSACHUSETTS, has
been In active operation for 62 years.
Its mortality is low. Its Annual Dividends are large.
W. H. IX DOE, General Agent. - - . - - B52-4 Bee Building.
State of Nebraska, office of Publlo
Accounts. Insurance Department.
No. 1464. ,
Lincoln, Neb., Feb. I. 19W.
. It Is hereby certified that the Penn-
aylvanla Fire Insurance Company of
Philadelphia in the state of Penn-'
sylvanla, has compiled with the laws
of tbls state and filed at this office
the appointment of Frank H. ttarvln
as their lawful ascent at Omaha, In
the county of Douglas, In the state
of Nebraska. -
Now therefore, tha-- above named
agent Is hereby authorized to trans
act the business of Insurance as '
agent of said company In this state
until the 31st day of January, A. D.,
19ii7, unless sooner revoked.
In testimony whereof I have here
unto set my hand and ofllclal seal, '.
thu day and year first above written.
, . . can nun, 1 . ,
Auditor of Public Accounts. '
CERTIFICATE OF PUBLICATION.
STATE OF . NEBRASKA. OFFICE)
OF PUBLIC ACCOUNTS.
LINCOLN, Feb. 1st, 1906.
IT IS HEREBY CERTIFIED, that
the Bvea Fire and Life. Insurance,
Company of Gothenburg, In the state
of Sweden, has compiled with the In
surance law of this state, applicable
to such companies and Is therefore '
authorized to continue the business
of fire and lightning Insurance In
this state for the current year end
ing January 81st, 1907.
Witness my hand and seal of the
Auditor ot Publlo Accounts, the day'
and year first above written.
E. M. SEARLE, Jr.,
(Seal) Auditor of Public Acounts.
JOHN 1- PIERCE, Deputy.
j REAL ESTATE, LOANS, FIRE INSURANCE, RENTALS.
Telephone 052. 1604 Farnam Street.
FURNISHES ACCIDENT and SICK INSURANCE
At the Lowest Possible Cost. Pays from f 8.00 to $24.00
per week for Accident Injuries; 96.00 per week sick bene-
'' ' Btaj $50.00 to $100.00 funeral benefits; $250.00 to $2,000
for loss of eye, arm or foot. For full Information,-address:
. CIIAS. CALLANAN, Secretary
503 W. 0. W. Bid. OMAHA, NEB.
u n rn szss. n n r-r m rn s- rsa S
"We Represent First Class Companies Only.
Insurance a Specialty. (
THE BEST COSTS NO MORE.
GIVE US A TRIAL. , '
IX J. KEnilARD a COMPAUY
TeL Douglas 397.
309-10 Brown Block.
A Nebraska Fraternal Order
With Headquarters In Omaha
Accepts men and women on equal terms! One certificate
protects any two members of a family ami pays the survivor
In event of death of cither. Up-to-date features, splendid
initatory work and a remarkable record made.
HOME OFFICE OMAHA, NED.
. ARUNaTON ILOCK
EMMA L GRI!!!!ELL
IRVniG G. BAR1GI1T
CPHEAVAL BRINGS REFORM
lUrtilt cf the Kew York Legislatures In
PUBLIC AND COMPANIES ALIKE BENEFIT
Remedial Lralslatloa Prosoed
1 Its Likely tfffeet be Fatarc
of the I.lfe Insaranee
Early lust year when tlte Equitable Lift
Assurance" Society bad but Just started In
Its family quarrel. Its board of directors
appointed a committee of Its members to
ascertain the trutb or falsity ot the charges
which were being made and published to
the detriment of the company. This com
mittee made an Investigation along certain
lines, and Its report (the Frlck report)
made some severe strictures on conditions
as It found them.
So many statements and mis-statements
appeared In the magaslnes and In the dally
press, relating to the management of the
large life Insurance companies that the
state of New York, through a special ses
sion of lis legislature. In the summer of
1905, decided to enter the field of Investiga
tion. The result was the appointment of
the legislative committee with SenatorArm
strong as chairman; this committee was
charged with the Investigation of the In
surance companies of the stata, and di
rected to moke its report at the session of
the legislature which would convene Janu
ary 1, 19u.
Tea Volumes ot Testlmoay.
After about six months of arduous work
this committee completed Us labors, and
on February 23 made public its report of
some 900 printed pages. The committee
investigated by examination of witnesses
and documents fifteen New York life In
surance companies; also one New Jersey
company. Testimony was taken which will
till at least ten large volumes, the ex
amination of witnesses being conducted by
Mr. Charles E. Hughes, one ot the most
astute lawyers In this country. The evi
dence, while it is true that It was but
ex parte, was ot a startling nature, as It
canie to the public through the dally press.
This committee's work, while inquisitional
to a certain extent, was conscientiously
and thoroughly performed. t
Other examinations have been made in
the last year of New York companies,
some by commissioners of various states,
others by the companies themselves; these
examinations, however, have differed from
the legislative Investigation in that they
entered less lurgely Into topics, but went
more particularly into the exact financial
transactions and the condition of the com
Results of the Inquiry.
One of the first results of these various
Investigations, apparently, made necessary
by faulty management In some companies,
was at the start to alarm the policy
holder. Such a wave of distrust swept
over the country that had not the times
been exceedingly prosperous a panic might
easily bave been precipitated. Men, whose
names had been always held in high
honor and were considered above reproach,
because of their connection with the In
surance scandal, were constantly reviled
and treated to all manner of harsh epi
thets. Popular idols were Indeed cast
down, never to be raised again to receive
the public homage. Many policy holders
went so far as to insanely discontinue
their insurance, canceling their policies, re
gardless of the fact that the solvency of
companies was hardly questioned.
The demoralizing effect in the early stages
of investigation was felt, not only by the
Insured, but by the agent, the company and
the public as well. Thousands of agents,
a small army of successful solicitors,
found themselves suddenly confronted With
a peculiar condition; for quit a season
thes men, who had been tried in ths busi-
these men, who had been unaccustomed to
the word failure, found that they could
not sell life Insurance; It waa under such
a cloud that no one wanted It.
rempanles Feel (he Strata. ,
The companies themselves particularly
felt the strain of these earlier days; with
a hostile public and a disorganised agency
force, they felt as if there Was a struggle
before them almost for existence Itself. At
the same time the general public waa in
dulging in an immense amount of peealoh
Ism. The man was very much In evidence,
who was continually saying. "I told you
so," 'There Is graft in them all" or "Every
man has his price."
As the investigation proceeded, It became
very evident that the grounds for making
them were well founded. Conditions in the
management of some companies were
shown to exist, that were without question
bad, a total disregard of the rights of
policy holders In some cases was revealed,
and In others a violation of their most
sacred trusts by whole boards of trustees.
A marked result followed these dis
closures, the companies found that ia
order ta contluue in business and re-establish
themselves in the good graces of the
public, certain changes muSt be made la
the management, and particularly that
show officers must be removed who had
been charged with gross mistakes or wrong
doing. So that before the-Armstrong com
mittee had ooncluded its labors, almost a
complete change of management was ef
fected In the three large New York com
panies. What Has Beea Accomplished.
Now that the investigations have been
completed, it may well be asked, what
have they accomplished?
In the first place, the public is more
fully and better Informed-- In a general
way on the subject of Insurance; almost
every other person that one meets can
give some sort of a definition for the
technical expressions used in insurance. It
may be true that much of this knowledge
is only superficial, but even If slight. It Is
better than none at all, and may be an
incentive to a fuller knowledge of this
most Important business.
Again, policy holders have obtained cer
tain and definite Information of the stand
ing and condition of their respective com
panies. The, examinations bave particu
larly revealetl one ' thing that should set
every policy holder's mind at rest, and
that la the absolute solvency of the com
panies and their ability to meet all con
tracted liabilities. It has been made ap
parent that notwithstanding extravagance
and in some cases gross mismanagement,
life insurance has stronger safeguards
thrown around it than has any other class
of business. These safeguards being
the strict laws regulating the maintenance
of the legal reserve, also the laws regu
lating the character of the investments ot
The Investigations have proven timely
In putting a check to extravagance along
certain lines and In calling a halt in the
misuse of funds thbht should properly be
returned to the policy holder in the way
Ead to the Speculative Idea.
One thing that is being accomplished
should not be overlooked, and that Is the
getting away from the speculative idea
which has had such an extensive range for
twenty-five years, and returning to the
original and fundamental Idea of insur-
once for protection only, at the lowest !
cost. The actual results of the tontine or
semi-tontlne plan of Insurance as recently
revealed, when - compared with the esti
mates made at the time such contracts
of Insurance were sold, are sufficient to
make any one pause for a long time be
fore purchasing Investment Insurance.
As to what will be the result of the
misuse of funds that should properly be
atlcaU The Armstrong committee has pro'
posed remedial legislation In New York,
covering some sixteen different subjects.
Some of 'the bills drawn are bitterly op
posed by the Insurance companies, on the
ground that they are revolutionary and
will destroy all competition.
Many of the recommendations made
should certainly meet the approval of all
honest legislators snd of the companies,
particularly those referring to the annual
accounting with the policy holder; the re
quiring that annual statements be more
explicit, snd give more detailed Informa
tion of the company's transactions to the
publlo through the insurance department;
the prohibiting of the . placing of trust
funds in stock Investments having no fixed
value and not readily convertible; pro
hibiting a company from becoming a mem
ber of a syndicate for promoting the
sale of securities, and the prohibition of
political contributions and legislative lob
bying. These recommendations undoubt
edly will be framed Into proper laws and.
If enacted, will be ot great benefit and
conserve the best Interests of life Insur
State Papervlsloa of a'aaaraaee.
We have heard much discussion during
the last year as to taking the supervision
of Insurance companlea away from the
states and putting it under the control rf
a department ot the general government.
It has been charged that state Insur
ance departments are inefficient; that the
powers given to the commissioner are
sometimes used for personal gain, by thfe
means of hold-up examinations or the ac
ceptance of bribes, for the suppression of
information showing dishonesty ,' or mis
management, as disclosed In the course of
his examinations. While It is unfortunately
true that dishonest men bave occasionally
been elected or appointed as state Insur
ance supervisors, such instances are ex
tremely rare and are not more frequent
in this than in other state offices.
The particular fallacy of using this argu
ment In support of federal as opposed to
state supervision, lies in the fact that
should a weak or dishonest official be
selected as federal supervisor, the publlo
would Indeed be without protection; while
with stata supervision and the tight of
each stats supervisor to examine Into the
affairs of any company transacting busi
ness in his state, the inefficiency or dis
honesty of one department could not long
conceal fromthe public every act of dis
honesty or gross mismanagement, which
would certainly be brought to ltgljt
by the examination of the supervisor
of some other state.
Companies Are Interested.
To one closely observing, it is apparent
that the demand tor federal supervision
does not come from those most deeply in
terested, the policy holders, but is a skil
fully planned attempt of certain companies,
through the efforts of their paid agents
and attorneys, assisted by the more sub
servient insurance Journals, to create a
sentiment In support of this change.
The fact that the bill now pending in
congress providing for federal control of
Insurance was Introduced by the president
of ons ot the largest life Insurance com
panies, in his capacity of United States
senator, and has been supported before the
committee by persons employed, either di
rectly or Indirectly, by Insurance compa
nies, does not strengthen the sentiment in
favor of national supervision in tho minds
of the publlo generally,
i In the New England states, where many
of the oldest and largest life Insurance
companies have their homes, the state in
surance departments have been for many
years in the hands of capable, fearless
men. Has one heard during all of the ex
citement of the past year any breath of
scandal 'touching these old companies or
We have heard of no such demand from
the people of New England, and very few of
the Insurance officials in that section are
strongly outspoken in favor of national
supervisions. What Is said ot New Eng
land may also be said of many of the more
western state. Had the Insurance commis
sioners of New Yofk understood bis
responslbllty and been fearless In perform
ing his duty, the irregularities touched
upon in this paper would have been
checked In the beginning and the country
spared the shock ot the unfortunate con
ditions disclosed In the recent Investi
gation. JOHN L. PIERCE,
Lincoln. State Insurance Deputy.
Insurance Business in Nebraska for 1905
OMAHA, March IS. To the Editor of The
Bee; Complying with your request for
something of interest in life insurance for
your annual insurance edition, the fable
below is handed you with the following
suggestions for such of your readors as
are perhaps not familiar with the length
ot time of the companies having done busi
ness in this state, their methods of business,
1. As to insurance written: The Hart
ford, the Manhattan, the Reliance, the Se
curity Trust and Life and the Travelers'
(life department) had no working agencies
In the state the past year.
Second As to "terminations." In fair
ness to the Equitable, the Mutual and the
New York Life, the public should remem
ber that these three companies have had
much to contend with; the Equitable hav
ing been "under Are" since the 23d ot
February, UOG, and the percentage of
terminations in each of these companies is
very low, everything considered. When
comparing the terminations,' the amount
ot death losses should also be considered.
Such companies as the Equitable, the Mu
tual, the Mutual Benefit, the Northwest
ern, the New York Life, and the Union
Central, have a larger amount of old busi
ness in force; and in case of the North
western, one death that of Mr. Nash
meant a termination of $113,000.
Third As M percentage of gain of "In
surance in force;" those companies which
have recently entered the state, show an
abnormal gain, like the Conservative, the
Des Moines Life.
Those companies chartered by this state
have the advantage of appealing to state
pride as home companies, so the fairest
comparison, -under normal conditions,
would probably be between the Aetna, the
Connecticut Mutual, the Mutual Benefit,
the National, the New England, the North
western, the Phoenix, the' Pacific Mutual,
the Provident Life and Trust, the" Provi
dent Savings, the Penn Mutual, the Royal
Union, the State Mutual and the Union
Central, all and each of them having been
many years In . active, business in this
These ldeaa should be In mind also when
comparing the percentage of "premium
The Metropolitan and Prudential, in mat
ter of terminations, should not be Judged
by the test one applies to other com
panies, as considerable of their ordinary
business, (like the other companies), is
obtained by their industrial agents, which
Is a class of business where lapses are
from the character ot the business very
heavy. Respectfully yours,
H. R. GOULD.
Hanker Life of Nebraska.
Bankers' Reserve . . .
Kqultable of Iowa
Kquitable of New York
Kansas City Life
, Mutual Life
National of Vermont
National of V. 8. A
New Knjjland Mutual
New York I.lfo
in-ovldeut Life aud Trust..... .
1'enn Mutual .'.
Security Mutual of Nebraska....
Security Trust and Life
State life of Indiana,..,
Union Central ..,
I'nJon Mutual ....
TERMINATIONS g J Jf
Is i" " Mi1' -?s ill ?U
H :- ? I'U P til :-U lit
! !?! I? fl if H
.; ; ;TT ;(t B ts t
53 i.tilU 24,154 4.CMIO 12.7 i,,J(K,128 1 tf. I 10H,401 - 1.
3,iO'U8a 1,74(,50 81.B50 17.3 11.0W,43 18. S 3ti2,X)f 21.4
G27.250 374,(505' 21. .'.NO 8. 4,iU8.,'U5 3.4 17S,20ft 7.
13S,Dti3 110.249 16,386 8.0 1,328,3'JI 3.8 3D.270 14.2
6'.000 3.000 ... 1,5 ....
43,250 73,500 2,0iW 31.7 624.250 170 . 20,087 138.
463,206 240.45 10,000 30. 1.016.223 27.4 32.125 2.
175,250 44,004 4,486 6.6 So7.843 20. 26,763 16.
6.'!2,6t8 n;w,87s 47,108 13.4 C.705.862 Loss 4.4 233,778 Loss 2.6
4()S.Ofi2 '213.U33 7,476 21.2 1,22,227 10.4 - 41,680 17.9
201,048 121,1)81 360 20. 548.887 17. 19.868 22.
1SI4.953 164.046 2,833 32.5 635,802 .06 23,587 0.
63,400 35.138 5,000 10. 377,444 5. 11.670 17.
08,108 76,415 7,801 16.5 483.858 4.7 17.306 7.
1S7.000 : 187.000 . . . 7,6;iO
261.927 121.007 53,308 5.8 2.232,646 6.6 88,506 9.44
047.040 719,646 84,8l0 6.04 12,156.067 - 1.0 378.712 3.
lT,a-0 rt,288 250 3. 185.284 It). 4.094 No Gain
433,764 278,'JOO 11.500 ' 29.03 1.105,798 16.6 44,088 7.3
4),043 17,792 2.000 6 . 812,583 7.7 10,002 No Gain
331,000 1O0.O1K) S.OiiO 23.07 608.455 86 . 22.872 47.
23J.444 27.899 57.9 253.009 426. 7.374 153.
421.201 190,129 0.300 11.5 1,888.002 14 . 64.070 .0O2
285.431 222,101 3,KK) 31.9 758,087 9 . 46.536 Loss 7.
431.076 125.972 1 1.000 4.15 3.340.861 10.1 106.563 9.5
869,105 332.508 1200.737 4.33 8,181.696 7. 246,002 3.
2.08J.695 1.4.H1I.092 88,391 10. 6 14,577,633 3.9 427.6.16 Loss 4.33
103,788 70,0:i0 3.108 15.8 482,697 7.3 17,729 16.8
204,418 U,riO 8,000 6.85 1,071.061 13.5 50,993 12.8
171.539 44.687 7.0 692.038 22. 2.411 5.3
102.4O9 65,500 19,500 10. 692.768 5.6 24,897 7.
628.538 3U3.039 ,896 22.5 1.572,700 36.8 04,423 15.
25S.913 96.136 4,000 6.6 1,613,415 11. 58,908 10.7
9,000 5,000 20,000 ... 9.33 . ....
23i.3i0 124.693 15.300 15.8 K99.8U5 14 . 28.309 13.
2,222.620 1,289,621 22.50 3. 5,312.577 23.6 169,774 24.
24.500 196.816 2.5N) 31 .5 453.424 Loe 38. 17.646 Loi 29.8
99.005 54.499 12,000 7.4 782.232 6 . 23.401 lO.-.,
177,159 300.895 5,000 25.7 1,217,628 Loss 15 . 66,665 2.
10,000 21,000 6,870 3.17 652.652. Loes 1.7 14.112 .
492,3tiO 185,383 6,478 4.73 4,224.356 7.8 1.38.925 5. .
91,913 72.00 l.Oiio 18 . 413.158 5.6 13.507 7.4
38,864 93,390 5,653 19.6 429,435 Loas 12. 19.479 Loss 3.9
1,224,459 980.980 17,055 39.5 . 2,637.614 5.4 I 83,364 4.5
600.948 681.941 14.318 42.5 1.784,538 11.1 67,201 7.5
Buoiueta writteu ouly from AugUkt 15 to December 3, 1900.
Aclnix Life Insurance. Company
CERTIFICATE OP PUHLTCATION.
LINCOLN, Kb. 1. lfHv
State of Nrbrask. Office of AuHMor of
Public Account Uncoln, Feb. 1. lis. It
is hereby certified that the Aetnn Life
Insurance Company of Hartford, In the
Ptate of Connecticut, ha. compiled with
he Insurance Law of this State, appli
cable to such companies, and Is therefore
authorised to continue the buwlnes of
Life. Accident, Liability and Health Insur
ance In this "tste for the current year
emllng January list. 190.
nummary of report nld for the year
ending Iecember 31st. ls6. ,
Health and Liability t3,78.07.8
Paid policy holders.
and liability l.tSHST.W
All other payments.
and Liability tl.M5S4
Net Reserve. Life XS5,-
P17,!;i no; Accident,
m 1,7.41.1 7x ...7...i7.87S,SS4.72
Net Policy Claims,
Accident $17.nP4. .. 3HH.S12.-Si
All other liabilities .. 4.W7 .Jt'tf 61 7i,17i.t7.a
Capital Stock paid up 2,OO,OO.O0
Surplus beyond Capital
Stock and other
liabilities 1,075, rm.81 7.075. 40H.S1
Witness my hand and the seal of the
Auditor of Public Accounts the day and
year first above written.
E. M. SEARLE. JR.
(Seal) Auditor of Public Accounts
JOHN L. PIERCE, Deputy.
I CERTIFICATE OK rt TH.ir ATION.
LINCOLN, Feb. 1. J- .
State of Nebraska. Oflic-e of Auditor of
FuMli! Accounts Uncoln, Feb. I. IS". "
Is hereby certified that the A?tn LH
Insurance Company of Hartford. In tho
state of Connecticut, has compiled with
the Insurance law of this state. sppHrable
to such enmptintea. and Is therefore au
thorised to continue the business of life,
accident, liability and health Insurance In
this state tor the current year ending Jan
uary 31st, M.
Summary of report tiled for the year
ending December list, l.
Premiums Ufa t ,962,WO 23
All other sourcee
except accident dpt. 3.2M.eT4.ao
Paid policy holders
All other payments
except accident Dpt. 14,17,366 .93
Total .777 8;JtnR
ADMITTED ASSETS r,347.frM.Kr
Inrald Claims and
Expense's U.lfe Ii5,-
Accident S17t;.o9l.. .. 3fs,12.
All other liabilities. ... 4.:l!7.!io 51 72,l72,t7.il
Capital stock paid up 2,OU0,UU0.O0
Surplus beyond Capital
Stork and other
liabilities 6,07R,406.81 T.07&,4flB.!tt
Witness my hand and the seal of the
Auditor of Public Accounts the day and
year first above written.
E. M. SEARLE. JR.
(Heal) Auditor of Publlo Accounts
JOHN L. PIERCE, Deputy.
JOHN DALE, Mgr. 310 Ramge Blk., Omaha
W. A. WAGNER, Pres.
W. J. EYESTOKE, Sec'y
Takes only the croam of all insurance business. Insures
nothing but dwelling houses, privato barns, churches, school
houses, town halls and the contents of each. Does not insure
within fifty feet of property more hazardous than the above.
Therefore no losses on mercantile risks or manufacturies.
WRITE FOR PARTICULARG
Dwelling House Mutual Insurance Co.
141 South 12th St., Lincoln, lleb.
W. B. LINOH, Sec'y
E. M. COFriN, Pres.
INSURANCE COMPANY OF LINCOLN
Invites you to insure your property in a HOME COMPANY"
that is unsurpassed in the promptness and fairness with
which it paye its losses, conservative in its methods and
careful in its underwritings. None better than the '
Main Floor McCagne Building.
0. L. SMITH, City Manager.
Phone Douglas 695. Omaha.
Queen City Fire Insurance Co.
of Qloux Falls, Q. D.
, Capital Stock, $300,000.00
Net Assets, $419,427,59
Surplus of Policy Ho'ders figured at
"New York Standard" $337,384. 5
Martin-Harris & Co., Agents
209 Oouth 13th Ot. Phone Douglas 1525
End INSUR ANCE
May be insured, and made to outlast you, by that policy we
alone sell, insuring a man's income and all hia insurance.
You don't have to save much for it either. Mail coupon
today for booklet. , '
FIDELITY MUTUAL LIFE
L. 0. FOUSE, Pros. 112-116 N. Broad St., Philidelphia
GOOD AGENCY POSITIONS IN WESTERN STATES.
Fidelity Mutual Life,
Send booklet about insuring my income and insurance.
Age ; Occupation
."-3t N'" . . i --y.
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