6
the omatia daily bee: suxday, atotl i, ioos.
NEW LAWS FOR INSURANCE
Eorafithin? of the Trend of Present Day
LfltfalatiTe Actirity,
DANGER THAT LIES IN STATE CONTROL
Too lneh rower la (he flan da of
th Department of Sew York
Matters Now
Kland.
The public Interest In the business of In
surance and the mnannifnt of the com
rallied conducting It has given rise to much
proposed legislation In tho various states,
nme of which Is wise and desirable, but
most of which Is foolish and not only un
necessary, but positively harmful.
The tendency to interfere by drastic
measures In Insurance matters la the
natural outcome of the conditions which
have lieen . recently exposed. Until tho
KqiiltaMe row began the public continence
In the great life Insuranco companies was
unbounded, Immense sums were annually
'pld to them and no questions were asked
by the policy holders that smacked of im
pertinent curiosity regarding such trifling
things as expense of management, or the
squandering or manipulation of trust funds.
The exposure of corruption and Incom
petency in men who have long lived In the
odor of sanctity, the disclosure of whole
sale blackmail and the faithlessness of both
company and state officials, whose duty
required them to protect funds Impressed
with the most sacred trust known In our
modern life, have Inspired . the agitation
about Insurance that will not end until the
utmost publicity Is achieved In all that per
tains to solvency and managenient; until
blackmail ceases; until dishonest and In
competent state insurance departments are
thoroughly cleaned out, and a system of
efficient supervision Is established that shall
nienn something more than the collection of
tolls and license fees and the maintenance
of fat jobs for political shysters.
Tho -startling revelations of -Incompetency
In tho Insurance department of the
state of New Turk, and the wanton and
fraudulent wusto of publlo money In tho
Pennsylvania department, to say nothing
of more Insignificant cases of dishonesty
and ignorance, have created a feeling of
general distrust with the Insurance laws
in force, and their administration.
neaaona for Insurance Legislation.
The two things responslble'for flooding
every legislature now in session with bills
of ono sort and another relating to in
surance, are the public dissatisfaction al
ready spoken of, and the fear that some
movement may be put on foot through
public condemnation of the present system
of Insurance supervision that shall dis
place recreant or Incompetent public of
ficials. There Is seen,, an active though
newly bom, desire on the part of legis
lators and Insurance commissioners to earn
the publlo confidence, and stop unfriendly
criticism; but this desire manifests Itself
by striking at the business to be super-1
vised; and In obstructive and not construe
tlve measures.
In many states Mils have been introduced
requiring the life insurance companies-ho
have Issued what is known' as deferred
dividend policies, to annually apportion
and credit the so-called surplus from the
accumulations thus created to the several
policy holders. Legislation along this line
that does not ignore the actuarial side of
the question Is a step towards a needed
reform. The most searching investigations
have shown the solvency of the principal
life insurance companies to be unimpaired.
The stock fire companies have not been
subjected to a similar scrutiny, for these
companies have for a hundred years pro-
and 'have been factors In building up
our commerce, and the credit that under
lies It. Though the fire waste of
the United States Is at least 150,000.000 an
nually, these enormous returns by the fire
'companies to their insured have not weak
ened the resources of those companies that
do business outside of the slates of their
creation, though In the great conflagra
tions that have taken place some of the
Smaller companies have gone to the wall,
liven so, the risk of loss through the In
solvency of fire companies Is practically
nothing. Notwithstanding these facts. It
i " i i i'j'v' i , ij nuu iu 1110 ulii i it 1 1 o cii 1 1 rauj
imposed on those companies and to increase
the expense of doing business by taxation
and' otherwise, under a variety of schemes
which the genius of Ignorance has pro
duced. All of these burdens are borne bv
tho policy holders ultimately, and every
fresh exaction from either fire or life com
panies, whether under the pretense of
supervision, which In twenty-eight states
during the fiscal year 1902 was 15,000,000 more
than it cost, or by oppressive and unequal
taxation. Is a tax on a tax. Such legisla
tion Is vicious in principle and Is rooted in
the theory that the looting of trust funds
Is proper when the state does It. Every
U. 1 1 1 1 .1M 1 t Vl ft f BUAMf Inlirl.lil.l M.Kn
has a gru-lge aguinst corporate enterprise,
every legislator with a socialistic tendency
lias now a chnnce to embody his notions
In a statute, and there is the possibility of
almost Inconceivable harm to the real Inter
ests of tho Insuring public by the whole
sale manufflctiire of legislative straight
jackets for Insurance companies.
Kyes Tarsrd to Sew York.
The action of the New York legislature
will be watched with interest. Though the
Armstrong committee wisely avoided In
quiry into those conditions which were
stated by Insurance officials as a reason
for the expenditure of large sums to pre
vent hostile legislation, there Is ground for
the fear that the state of New York will
shortly enact laws that will virtually place
the management and control of the In
surance business of the United States with
the insurnnce department of that state.
This will bo done by presorlblng not only
how the business of the New York com
panies shall be conducted in New York
state, but elsewhere, and by requiring com
panies of other stales that may wish to
enter the state of New York to comply
with such requirements In detail. And
these requirements will 'Involve not only
control of the plan or method by which
the business Is conducted, but will place
hitherto unhcard-nf restrictions upon tlie
Investment .of tho funds of the companies.
No fault could be found with any plan to
compel publicity with regard to such mat
ters, but to say to Insurance companies
that they shall not be permitted to conduct
their business except as the legislature of
a state shall direct Is revolutionary and
may destroy this great Institution.
It was stated within a year by a New
York paper that the "Bsg Three" life com
panles Ihe Equitable, the Mutual and the
New York Life have takon more wealth to
New York than the Caesars took to Rome.
No wonder that New Tork wants to control
the Insurance business. This proposed leg
islation repudiates the accepted usage of
the commercial world that makes Insurance
an element of commerce, and thus the prac
tical Importance of federal supervision ap
pears from .a new angle. New York should
not be permitted to extend Its absolute' do
minion to an Interest that vitally affects
the whole American people. The marine
commerce of the I'nlted States, the
industrial enterprises of this country,
are now chiefly centered In New York, and
it has practically sole direction of these
factors of our commerce; but the insurance
of America is a trust, and the beneficiaries
of th trust are the widows, the orphans
and the victims of misfortune by fire or
other calamities. Why should the Interests
of all these millions be confided to the In
surance department of the state of New
York?
Argument for Gorrrnmeat Control.
The Equitable life received less than
twenty per cent of its total premiums for
1903, from its policy holders residing In
New York state. The Mutual life received
13 per cent and the New York Life but
a fraction over 15 per cent of thejr total
premiums from their home state for that
year.
The seventeen largest fire Insurance com
panies of the state of New York with a
combined total 'of risks aggregating $5,740,
000,000, wrote only 3 per cent of their busi
ness for JD03 in New York, and received
only U.1 per. cent of their premium In
come for that year from their business
done In the stato of New York.
These statistics are significant. It may
be conceded that the New York insurance
companies, fire and life, are entitled to
all the business outside of the state of
New York that they have. The fact s,
however, that over 80 per cent of all the
business transacted by the "Big Three"'
life companies is done outside of New
York state; and- that 75 per cent of the
business of the fire Insurance companies
of New York state, which Include some
of the strongest and most reliable in the
world. Is done outside of that state. The
point Is. that the state of New York ought
not to be permitted to dictate to the. rest
of the United States on so Important a
subject. And it does not affect this view
that some of the Insurance commissioners
of the country, who are considerably in
evidence Just now. approve the proposed
legislation. ,
If the control of the. interstate: Insur
ance business of the United States Is to
rest in any one department, whether
actually or nominally, that department
should be one whose administration will
be under safeguards of a higher character
than those which originate from Tammany
Hall and the New York legislature. Let
the state of New York control Its own
business; Interstate transactions in Insur
ance ought to be supervised and regulated
by the federal government.
RALPH W. BRECKENRIDOE.
Declining- to Be Laundry.
The Widow Now, gitttn right down teh
cold, hahd facts, Mose, what am yo' pros
pec's? The Suitor Mah deah, I'se got a good
Job as manageh ob a laundry In sight."
The Widow Well, yo' want teh git dat
out ob sight an' fo'glt It! Mah last hus
band had dat same hallucination, but de
lady who promised teh lub, honah an' obey
him positively refused teh. be de laundry."
Puck.
FIRE BUSINESS IN NEBRASKA
Profitable Year for the Slaety-Klght
Companies I'nderwrltlna
the Risks. V
From the Insurance department of the
office of the state auditor of Nebraska has
Just been Issued the statement of business
done In Nebraska during by the ninety
eight tire insurance companies licensed by
the department to underwrite business In
Nebraska, The report Indicates that these
companies have found their business profit
able. The figures for 1906 and 19u4 are:
19UU. 1904.
Total risks written. $197,243,068.00 l70.4.r,.718.00
Total premiums
collected J.WW.W7.27 iJlt.!KM
Total losses paid ..' l.0.ti.ia Kw.78T.8T
Total losses in
curred 4C8.034.35 Ii93,a6.81
Analysis of these figures shows that 'In
1905 the companies returned to Nebraska In
losses paid 65.66 per cent of the money col
lected as premiums on rsks assumed In
the state, leaving 44.34 per cent of the col
lections to pay tho expense of writing the
business. The losses Incurred during that
year amounted to but 17.57 per cent of the
amount collected for premiums. In 1TO4 the
amount returned as losses paid was but
40.75 per cent of the amount collected for
premiums, while the losses Incurred during
that year amounted to only 29.39 per cent
of the collections. In dollars and cents
the excess of money paid In premiums on
risks written in Nebraska during these
years wasi
1905. 1904.
Over losses paid I1.1B6.637.59 $1,390,198.71
Over losses incurred... 2,148,23193 l.62,348.77
The consolidated showing for the two
years shows that 48.8 per cent of the pre
miums collected were returned In losses
paid,' while the losses Incurred amount to
23.35 per cent of the collections. The con
solidated figures on collections and pay
ments are:
Premiums collected $4.952.X.1.R5
Triases paid 2.4('.175.55
Losses Incurred l,141,Hi0.1(i
Kxcess of collections over losses
paid : 2,546,048.30
Excess of collections over losses
Incurred 3,810,581.69
An apparent discrepancy Is indicated by
the figures given for losses Incurred during
19u5, for the Insurance on the property de
stroyed In Omaha on the night of January
28, 1906, amc tinted to almost the total fig
ure set down for the losses Incurred, whllo
Lincoln had a big fire about tho same time.
It may be that tho figures for 1904 and 1905
In this column of the report have been
transposed.
The four Nebraska companies, whose
business Is Included in the total, make a
fine showing for the year 1906. It follows:
Risks Prem's Losses
Written. Collected. Paid.
Columbia Fire $18,717,047 $244,050 $78,819
Farmers Mchts.. 10.078.110 118, 1S9 40.2SI
Neb. Underwriters. 7.261.416 10.1.657 18.169
State Ins. Co 4,535,144 70,429 13.838
The Columbia Fire shows a decrease In
premiums collected as compared with the
figures for 1904. but an Increase In the
other Items. The Farmers and Merchants'
figures are all increased over 1904, whllo
the Nebraska and the State companies
show an Increase in risks written and pre
miums collected, but a decrease in losses
paid.
--
mitt
CRITICISM COMES EASIER
Remedy In Hard to Provide Especially
for Technical Parts of In
snrance Baslness.
Secretary A. Jarvls of the Fidelity Mu
tual Life Insurance company of Philadel
phia, speaking of the recent insurance in
vestigation, says:
"President' Fouse was asked his opinion
of the report made by the New York ln
ilgatlng committee, and of Its recom
mendations. He replied. 'The committee
did excellent work in the way of exposing
official rottenness and abuses growing out
of the efforts made on the part of certain
financiers to use insurance capital to pro
mote their own special business enterprises,
without due regard for the Interests and
security of policy holders. The recom-
mendatlons, however. Illustrate that It Is
much easier to criticise than to provide
remedies that will correct abuses. For
months the committee took ex-parte testi
mony, no cross examination was permitted,
no testimony was received except such aa
they wanted to hear, and on such testi
mony they made their report and recom
mendations. This is too one-sided, partial
and prejudiced to be of any substantial
value to the business of life Insurance.
This is especially true of the portion of
the recommendations which have a bearing
upon the technical features of the business.
If a committee of laymen were appointed
to investigate, for instance, a drug estab
lishment, . It could probably make an in
telligent report with regard to the business
regulations, but if it undertook to go into
fjhe technical features of compounding
drugs, not much could be expected, and
very few people would be willing to use the
drugs compounded under the direction of
such a committee. If the people will do
more reflecting and thinking for them
selves, they will soon discount many of the
recommendations of the committee." "
Confessions of a Life Insurance Solicitor
' It Is 'an age of confessions, unhappy
wives, millionaires, clergymen who have
missed their culling, those who've married
und wish they hadn't, others who have,
not entered the estate of holy matrimony
and wish they had, political refugees and
punb-curt men, not to mention the lucx
tinfruiHhahle ljiwmm, all would pour their
confidence Into the ear or a long suffering
public. It is borne In tlpon me that no one
ha yet told 'all he knows about the life
lnsurunce business. '
The general Impression seems to be that
the solicitor of life Insurance possesses
advantages similar to those noted by Pat.
when he yearned to be a bishop, because it
looked like "such a nice clanc, atsy sort
of a Job."
It Ik all that, and more.
A solicitor's stock In trade is so simple,
a. rate-book, a fountain-pen, a few blank
applications, and a whole world waiting
to bo Insured. All he has to do Is to quote
somo figures from the book, hand the ap
plicant the pen and show him Just where
to write his name. Ine name Is In
variably written on a dotted line at the.
foot of the pnge. All cumpanleS are alike
in this particular. Of course, before you
get to the dotted line there art a few
questions to be answered, and occasionally
it may be a little difficult for the would-be
Insurer to answer all these satisfactorily
to himself, the life Insurance company and
you.
Once a man couldn't remember what his
grandmother died of at age 91. He pre
sumed it might have been old age. but It
won't do to presume with a life Insurance
company. He was turned down..
Then there was a man who remembered
that the maiden aunt of his father's first
nlfe had married somebody he'd be blessed
If he could remember the fellow's name.
They had moved to California years ago. be
fore the Union Pacific was put through. May
have been killed by the Indians, for all he
knew. Well, we couldn't take a man nlth
anyone In th family unaccounted for, and
with such a poor memory Into th bargain.
So we promptly turned- him down.
After you get the application tned and
these family matters are settled, the medi
cal examiner has the privilege of asking a
few questions on his own account, and
this is the most exciting stage of the busi
ness. One day a fine looking, well dressed young
man came Into my office and announced
that he wished to take out a straight life
policy for tli,0"0. lie answered all the
questions promptly and satisfactorily.
Wheu, I canio to "How much insurance do
"you carry in other old line companies?" he
rattled off a list something like this: Red
Men. $1,000; Knights of Industry, $2,000;
Tribe of Powhatan, $2,000; Descendants of
the Mayflower, .$5,000; Rough Rid
"There, there!" 1 interrupted. "That's all
right, but these are not old Una companies.
Well, come to find out, he hadn't any old.
line, and I proceeded to impress him with
the good Investment he was making when
he took insurance with us.
That application cami back from the doc
tor with these comments: "N. O. Heart
beut too rapid. Liver enlarged. Too tall
for his weight, two false teeth In the
upper Jaw, slight defect In vision of one
eye. Has aad grippe twice and about his
time of year is apt to catch cold. Feel
obliged to decline to pass such a risky
risk."
Our company writes women. It is as
tonishing how readily women are brought
to bee ihe advantage o( life Insurance.
Their perceptions are quicker than men's,
and I have long since been won over to
the highest regard for a woman's business
ability when she has it. Even with this
In her fa vox, It is sometimes best to fight
shy of women with mule relatives. I
wouldn't admit it to my wife, but there is
really nothing a man loves to do so mu'oh
on to give advice, and the less success he
has had In managing his own business af
fairs the more ready he is to assist his
women folk with theirs. The best woman
to write is a widow who Is an only child
and uu orphan. '.
I have seldom found women reluctant to
tell thulr ages. That nonsense has passed
away, with crinoline and ringlets. If there
is any difficulty in coming to an under
standing with them, It is generally on the
subject of a name. Once I ass writing a
srusiblc lit tie woman, th proprietor of a
small store. Wo came to her name. It
waa Birdie Brown.
"Birdie?" I repeated. "That can't be
your Christian name. What's your real
name?" i
"Why, everyone calls me 'Birdie.' "
"But what do you sign your checks?"
"B. Brown," she replied.
- After talking for three-quarters of an
hour I discovered that her name was Bar
bara, but she absolutely declined to take a
policy unless allowed to sign herself
"Birdie."
One day's mall brought me a thin paper
bound book of poems. I was quite at a
loss to know where they came from until
n explanatory . note came from the
authoress, who wan a policy holder. Tho
note went on tc state that her policy, an
endowment, payable to herself, was made
out to Lily; but, now that she was a
poetess, she preferred It should be changed
to Lillian. Lillian was so much more
distinguished.
The sweet unreasonableness of woman
came forcibly to my notice lately. We
wrote a woman who desired an investment
for her earnings, and who waxed eloquent
over her thankfulness In finding that In
surance provided so safe and easy a
method of laying by for a rainy day. The
policy was written and she gave her note
for four months. Just before the note fell
due we sent the usual notice and received
a reply, running after this fashion:
"I received your notice about my note.
I hava been meaning to write to tell ;ou
that I do not care to keep the policy after
ail. and here It Ms with the note. Yours
truly, "
"P. 8 I ant going to be married."
There Is no doubt that insurance presents
a vocation full of Interest, and since the
retirement of so many life Insurance presi
dents and other high officials on half pay
there Is plenty of room at the top. After
a day spent In doing good to others In
this pleasant and profitable pursuit, the
average agent should sleep well, with a
clear conscience, and bis dreams, . per
chance, may take this form:
(Sign here.)
(gn hers )
(Sign here )
(a here
(Sign here.)
" fere )""
SOLICITOR.
1896
SAFE, SOUND, SECURE
A Nebraska Company for Nebraska People
1906
' German Mutual
Fire, Insurance Company
Of Omaha., Nebraska
V Tenth Annual Statement
' December Slat, 1005.
1905 ...
Premiums Written,
Losses Paid, 1905 -
Losses Unadjusted -
Losses Adjusted and Unpaid
Assets, December 31st, 1905
Losses Paid Since Organization
$127,209.03
38,389.32
None
None
107.756.61
286,131.95
OFFICERS:
3 AX E. WHITE, President and Treasurer
JOHN WALL. Vice-President
O. W. HICKS. Secretary
F. P. OOWDERY. Assistant Vice-President
DIRECTORS t
JAY E. WHITE LEW W. MARSHALIi
C. W. HICKS H. W. HICKS
JOHN WALL
Vw...iiAis.iiwii.n.. 'ii. i i .i i mm ii.hiii. , ii ....... ..u.......,. .it i. a jiis,.ai i j iiiay iinnni mm. iu f
W.
hmm S
urn M
trnitli
NSURAKCE, REAL ESTATE, LOANS
Telephone Douglas 1064 . 1320 Farnam Street
OMAHA, NEBRASKA
CERTIFICATE OF PUBLICATIOM
BTATB OF NEBRASKA. OFFICE
OF ATUITOR OF PUBLIC AC
COUNTS. LINCOLN, Feb. 1, 1906.
IT IB HEREBY CERTIFIED, That
thn London and Lancashire Fire In
surance Co. of London, In the state
or England, has complied with the
Insurance law of thin state, appli
cable to such companies and Is there
fore authorised to continue the busi
ness of Fire and Lightning Insur
ance In this state for the current
year ending; January 31st, 1907.
Witness my hand and seal of the
Auditor of Public Accounts, the day
and year first above written.
K. M. SEA RLE. Jr..
(Seal) Auditor of Public Acounts.
JOHN L. FIERCE, Ieputy.
CERTIFICATE OF PrBLICATIOH
BTATB OF NEBRASKA, OFFICE OF
AUDITOR OF PUBLIC ACCOUNTS.
LINCOLN. Feb. 1. 1908,
IT IS HEREBY CERTIFIED, That the
Quoert Insurance Co. of New Tork. In tho
state of New York, has complied with the
Insurance law of this state, applicable to
such companies and Is therefore authorized
to oontinue the business of Fire and Light
ning Insurance In this state for the cur
rent year ending January 81st, 1907. .
(Witness my hand and seal of the Auditor
oT Public Accounts, the dsy and year first
above written.
E. M. BE A RLE. Jr.,
(SeaL) Auditor of Public Accounts.
JOHN U PIERCE, Deputy.
CERTIFICATE OF PUBLICATION
BTATB . OF NEBRASKA, OFFICE OF
AUDITOR OF PUBLIC ACCOUNTS.
LINCOLN. Feb. L.1901
IT IS HEREBY CERTIFIED, That the
Federal Insurance Co. of Jersey City, In
the State of New Jersey, has compiled with
the insurance law of this state, applicable
to such companies and Is therefore author
ised to continue the business of Fire' and
Lightning Insurance In this state for the
current year ending January 31st, 1907.
Witness my hand and seal of the Auditor
of Public Accounts, the day and year first
above written.
E. M. SEA RLE. Jr.,
(SeaL) Auditor of Public Accounts.
JOHN L. PIERCE. Deputy.
CERTIFICATE OF PTJBLTOATIOlf
BTATB OF NEBRASKA, OFFICE
OF AUDITOR OF PUBLIC AO
COUNTS. LINCOLN, Feb. L 1908.
IT IS HEREBY CERTIFIED, That
the Niagara Fire Insurance Co. of
New Tork, In the state of New York,
has compiled with the Insurance law
of this state, applicable to such com
panies and Is therefore authorised
to oontinue the business of lire and
Lightning Insurance In this state for
the current year ending Jan. 11. 190T.
Witness my hand aad the seal of
the Auditor of Publlo Accounts, tho
day and year first above written,
E. M. SEARLB, Jr.,
(Seal) Auditor of Pebllo A count,
JOHN U PIERCE. Deputy
mo
Slxlh Annual Statement of the
M6
Columbia Fire insurance Co.
of Omaha, Nebraska
Capital Paid in Cash $200,000 Total Resources $610,968.64
January 1, 1906
ASSETS
First Mortgage Farm Loans
Municipal Bonds
State, City and School District Warrants
Cash in Banks
Cash in Office
Bills Receivable (Farm Premium Notes
not matured) ,
Premiun in course of collection
Due from Insurance Companies
Accrued interest on Bonds, Mortgages,
warrants and Certificates of Deposit
IS
74,950.00
67,200.00
6,412.87
44,841.90
876.68
72,791.99
82,281,28
1,699.52
9,914.50
LIABILITIES
Capital Stock $200,000.00
Due Agents and Others 5,679.55
Reserve required by law for the protec
tion of Outstanding Risks 335,583.96
Losses Adjusted and Unpaid None
Loses Unadjusted 8,065.68
NET SURPLUS - 61,739.45
$610,968.04
$610,908.64
Total losses paid since organisation of Company
Increase in Assets ..$109,339.03
Ipcreaae. in Reinsurance Reserve 104,000.78
Increase in Net' Premiums 9.1,848.10
.$354,156.19
Strong, conservative, progressive, faithful. Overhead writing strictly prohibited. Insures against
loss from Fire, Lightning, Windstorm or Tornado. Issues the easiest selling farm policy in the country,
covering live stock against Iosb by fire or tornado on or off premises of assured. Admitted to Nebraska,
Kansas, Iowa, South Dakota, Oklahoma and Indian Territory.
The Largest Insurance Company ever organized in the middle west.
Officers
D. K. THOMPSON, Prealdent
I. M. RAYMOND, Vice Pre.
JT. B. DINSMORK, 2nd Vice Pre.
O. D. MULLEN, Bee' and Treaa.
C O. TALMAGE, Asst. Bcc'j.
Directors
D. K. Thompson I. M. Raymond
Henry Ragata O. E. Yoat
D. O. Giffert H. A. Wlsgeahora
JT. T. Ureosler J. II. Mllee
C D. Mullm
Certificate of Publication
BTATB OF NEBRASKA, OFFICE OF
AUDITOR OF PUBLIC ACCOUNTS. ;
LINCOLN, Fab. L ISO.
It is bcrebr artmed, that ths Columbia
Fire Insuranoa Co. of Omaha. Id th Slat
of Nebraska, has compiled with ths Inaur
anca Laws of this Stats, appUoabla to sucn
companies and Is therefor authorised to
continue the business of Fire and Liajht
nine, and Cyclone, Tornado and Windstorm
Insurance In this state for the current year
ending January tL 1907.
Witness my hand and the seal of the
Auditor of Publlo Accounts, the day and
year first above written.
. ii M. 8EARLE, Jr..
(Seal) Auditor of Publlo Aooounta,
JOHN L. PIERCE. Deputy.
if
ii
TEE McGAGUE INVESTMENT CO.
Insurance Real Estate Investments
Ii Business in 0ma.ha. Twenty-Three Years
McCAGUE BUILDING
1506 DODGE STREET
CERTIFICATE OF PUBLICATION.
State of Nebraska, Office of Auditor
of Public Accounts, Lincoln,' Feb. 1st.
1S0 -It Is hereby certified that tht
Home Fire and Marine Insurance Co.
of California, In the state of Califor
nia, Las cvmplled with the Insurance
law of this state applicable to such
roirianlra and 1 therefore authorlse-l
to continue th" business of fire insur
ance in this state ror tho current year
tiding January 31st, iiJT.
Witness my hand and the seal of the
auditor of public xrounti the day and
year first above written.
E. M. BKARLE. Jr.
(Seal) Auditor nf Publlo Aocounta
JOHN L. P1KRCK. Deputy.
CERTIFICATE OF PUBLICATION.
Stat of Nebraska. Office of Auditor
of Public Accounts, Lincoln, Feb. 1st,
l6.Mt U hereby certified that the
Traders Insurance Co. of Chlcaco, in
the state of HlUiuts, lias conipllod with
the Insurance law of line state appli
cable to such companies and It there
fore authorised to continue the busi
ness of fire and tornado Insurance in
this state for the current year eudinc
January Sat,
Witness my hand and the seal of the
auditor of public aooounta the day and
year first sbove written.
E. M SEA RLE, Jr.,
(BeaU Auditor of Publlo Accounts.
JOKrf L. PIKUC12, Deputy.
CERTIFICATTl' OF PUBLICATION.
State of Nehraaka, Office of Auditor
of Publlo Accounts, Lincoln, Feb. 1st,
1 It Is hereby cert Hied that the
Aaaurance Company of America of
New Tork. In the state of New Tork,
has complied with the Insurance law
of this state, applicable to auch com
panies and la therefor authorised to
lonllntie the bualneHS of Are and
flfhtnlnsT Insurance In this slate for
the curient year ending January Slat,
Witness my hand and the seal of the
auditor of publlo accounts th day and
year first above written.
E. M. 8 1. A RLE. Jr .
iBeai) Auditor of Publlo Accounts.
OHN L. PIERCB, Deputy.
CERTIFICATE OF PUBLICATION.
Htate of Nebraska, OfTlne of Auditor
of Publlo Accounts, IJncoln, Feb. 1st.
1K0 It is hereby- certified that th
Aachen and Munich Fire liiHuranc Co,
of Ala la t'tiapellt!, In the Stat of Ger
many, has compiled with the Insur
ance law of this atate, applicable to
such companies and Is therefore au
thorised l continue the business of
flie and lightning Insurance In this
state for the current year, January
Slat. 117.
Witness my hand and th seal of th
auditor of publlo accounts th day and
year first abov written.
E. M 6EARLE, Jr.,
(Seal) Auditor of Publlo AooouaUa,
JOHN L. PIEJSCO. Deputy.
3
T09
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