TIIR OMAHA SUNDAY BKEr MARCH 31, 1007.
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OUTIiWES?ERil MUTUAL
LIFE jiSURAIICE CO.
iEBTIFCATE OF PUBUGATIQH
!TT,? or Nebraska, office op
ALDIou Qjp l-uitl-IC ACCOUNTS.
? " , LINCOLN, Feb. 1, 1907.
J'n,JS HEREBY CERTIFIED, That the
w'wftni MutuAl IJfe Insurance Com
in of Milwaukee, lrf the sta-te of Wiscon-
" has compiled with the Insurance law cf
otnts, sppllcable to such companies,
'ml- la therefore authorised to cmtlnue thu
Hutloese of life Insurance. lr thla state for
lie current year emilng January Slat, 1M.
Summary ok hkiurt filed for
'the 1ear en i uno dec. hist. !:
INCOME
remlums $al.s3!.7S1.30
II nlhrr inuroM 10.(rja.5V7.3a
Total 141,983,328.66
IMBRrRSEMFNTH.
aid policy holders. ..J,L' GO
11 other mvmctiti... 5.84L4t3.46
Total $27,541,673 90
ADMITTED ASSETS.
6X1,101,714.04
LIABILITIES.
Tat reserve $lA5.7"4.l24.m
Wet policy clalma.... 1.74K.43.43
Ml other liabilities 21, 4t4,9u4.0?-4211.916, 451.50
turplus beyond cai'l
tnl stocn ana
other liabilities)... ,lfM,2G!54
CONCRETE BUILDING TYPES
Ccroi'derttisns IsTorauls to ths
Material Ftssea In Btriew.
ACCIDENTS DO NOT AfTECT ITS VALUE
laavrlor mm ' m. Means ef Hetardlae
Progress Fire laporlaac
Utility Horn
' Betiding.
Total I2a.im.714.04
Witness mv hand and the seal of tlio
auditor of Public Accounts the day and
t-eur first above written.
Meal) Auditor of Publlo AcoounU.
JOHN JU riVAVSV, Deputy.
JOHN STEEL
Qaneral Agent
Oeo Dldg. OMAHA
Certificate of Publication
STATE OP NEBRASKA .
Office of
AUDITOR OP TUBLIO ACCOUNTS
Lincoln, Feb. 1, 1907.
It Is hereby certified that the
. national Fire
Insurance Co.
of Omaha
111 the state of Nebraska, has
compiled with the Insurance law ot thla
state applicable' to such companies and
Is therefore authorized to continue the
'business of fire, lightning and tornado
Insurance iaHhls state for the current
year ending; January 31st, 1908.
j Witness my hand and the seal of the
'Auditor of Public Accounts the day
and year first above written,
j B. M. SEARLE, JR..
. (Seal) Auditor of Publlo Accounts.
JOHN L. PIERCE, Deputy.
Penn Mutual Life
CERTIFICATE OF PUBLICATION
STATE OF NEBRASKA, OFFICE OF
AUDITOR OF PUBLIC .ACCOUNT&
LINCOLN. Feb. 1, 1907.
IT 18 HEREBY CERTIFIED, That the
Penn Mutual Life Insurance Company of
Ptlladelphla, In the state of Pennsylvania,
)iu complied with the Insurance law ot
thla state, applicable to such companies,
and is therefore authorised to continue the
business of life. Insurance In this state for
the current year ending January Slat, lb.
Summary of report tiled for the year end
ing December 81st, v.:
INCOME.,
Premiums $15,4o5,543.04
All other sources 4.181.62
Total
DlsBURo riM WW m.
Paid policy holders.. .$ 7.932,734.41
All other pay menu... 8,51&,0"7.t2
Total
$19,587,461.56
ADMITTED ASSETS.
tlL447.742.03
683,556,880.24
$77,774,601.38
6.5X2.378.86
LIABILITIES.
Net reserve XtjS.tinl.fW5.ftO
Net Policy Claims.... l,73.t.l
All other liabilities... 7.198. ti61.19
Surplus beyond capital
stocK ana omer a-blllUea
Total 63,36ti.S80.24
Witness my hand and the seal of the
Auditor of Publlo Accounts the day and
year drat above written.
E. M. BFiARLB. JR.,
(Seal) Auditor of Publlo Accounts.
JOHN L. PIERCE, Deputy.
C. Z. GOULD, General Agent.
P. W. FOSTER,
J. A. WILLIAMS,
Special Agents
620 BEE BUILDING.
4
CERTIFICATE OF PUBLICATION
BTATB OF NEBRASKA. OFFICE OF
AUDITOR OF PUBLIC ACCOUNTa
Lincoln. Feb. 1, 197.
It ts hereby certified that the Frankfort
Marine Accident and Plate Qluaa Ounpany
of Frankfort, in the state of Uwniany, has
complied with the Insurance Law of this
tale, applicable to such companiua, and Is
therefore authorised to continue the bu si
nus of accident liability Insurance In Uils
tat for the ourrent year ending January
aut, lKua.
Summary of report filed for the year end'
In Jauuary Slat, 1906:
INCOME.
Premiums .....I8S8.3S9.00
Ail other sou roes 41.1C4.W
Total
DISBURSEMENTS.
' Paid policy holders.. ,...$542.28.55
Ail other pay menu.... Htt4.4tiO.uJ
Total
ADMITTED ASSETS.
929,397.00
t 906,688.63
fl.434,044.29
V'npall claims and ex
penses - 6tf4.165.50
Unearned premiums SU.ltCM
All otlier liablllUea 6,&il.4!-4L0ia.lG9.Ge
t'apltal stock, paid up... 2uu.wo.u0
Surplus beyond capital
tuck ami other . lia-
bl lilies 172.37174 372,874.74
Total 61.434, 04.29
Witness toy hand and the seal of the
Auditor of Public Accounts the day aial
year first above written.
E. M. SEARLB, JR..
(a?al Auditor o( Publlo Aouounta.
JoliN L. PHOiCE, Deputy.
CERTIFICATE OF PUEUCATIOH
RTATH OF NEBRASKA. OFFICE OF
Auditor of . Publlo Accounts, Lincoln.
Ft L. UU 1907. H U hereby corn i nod that tite
Iililwaukee Mtahanlca Insurance cumpaay
of Milwaukee, In the state of WlsciMiaUk,
has CKjtuplied with the InsurarK-e law of
this slate applicable to such Companies and
la therefore authorised to continue tlm bua
lneas of Fire and Linrhtiiina: Inauraic In
this state fur the current year ending Jan
uary 4it. Wltnra my hartd and tiiu
. J of the Auditor of Publla Accounts the
dy and year first above wrltteiu
E M. 6r!.UiU; JR, ,
(Sal Auditor of Puoiio Accouula.
JOUN U P1EJUCE, Deputy.
Oeor(T8 C. Nimmons, member of a Chl-fag-o
firm Sf architects, dlscuoses In the
Record-Herald the development of re
en forced concrete construction and the con
siderations which weigh In Its favor. A
few failures here and there, notably In
California. Rochester and Lens; Island,
have not, he declares, Injured public faith
In concerete construction nor checked Its
popularity among builders. Mr. Nimmons
says In part: .
One of the strongest Influences toward
the It crease of the number of concrete
bulldtn.ta nowadays comes from Are Insur
ance companies. The factory mutual in
surance companies of Now England are
strong advocates of re-enforced concrete
buildings for commercial and manufactur
ing purposes. No so much for any superior
fl reproof qualities In re-enforced concrete,
but on account of the superior waterproof
qualities of concrete buildings.
The ordinary steel beam and fireproof
tile building is not, from the Insurance
standpoint, a very good risk, because, In
case of even a small fire, the discharge of
sprinklers or hose pipes may damnge a
section of the building from the top story
to the basement. The floor of such a build
ing la usually constructed of flreprooflng
tile, with cinder concrete on top . and
wooden floor strips and a maple floor laid
on top of this. The result is that water
goes through such a building about as fast
as It would through a sieve.
Fireproof Qnnlltles Demonstrated.
As o the fireproof qualities of re
enforced concrete It can be demonstrated
that re-enforced concrete under a hot Are
loses Its strength more rapidly than flre
prooflng tile, although after some of the
prominent fires of recent occurrence some
concrete buildings have been left standing.
It was found In every case, so far as I
know, that when the time came for re
construction that concrete which had been
subjected to Intense heat bad lost 40 per
cent or more o Its strength and had to be
WTecked and reconstructed.
Some of our leading chemists have con
ducted experiments In the last year or sb
In which various: forma of concrete have
been subjected to heat, and they have
proved that concrete does lose Its strength
In Intense heat. This fact, however, Js not
considered, from an Insurance standpoint,
sufficient to change the attitude toward
concrete buildings. The fundamental re
quirement still remains that a concrete
building does not feed the flames any mo
than a fireproof tile building does, and also
that an ordinary fire In a concrete building
does not, as a rule, gain headway enough
to do serious damage to the building, espe
cially' if it Is sprinkled.
Yellow Pine Is Scarce.
Another condition favorable to the In
crease of concrete buildings Is the Increas
ing scarcity of yellow pine from the south
ern states. The price of the mill building
lias' increased so much In recent years that
the cost of a first-class mill-constructed
building Is almost as high as the cost of a
concrete structure.
- ComparaUve bids recently taken In some
Instances show only a difference of 6 per
cent greater cost for the concrete over mill
construction, and '.'in other casos 10 per
cent, so it ts probable that Uvs average
difference In Cost for a first-class mercan
tile building is somewhere between 6 and
10 per cent. '
Threare two kinds of re-enforced con
crete construction. Where It Is required
to admit all the available light a skeleton
construction of re-enforced concrete car he
made, which Is the same In princlpU as a
skeleton construction of steel used for the
modern office building. This skeleton con
struction of concrete Is being successfully
used and can be veneered with brick, stone
or other material, the same as a skeleton
of steel.
Some Types la Lead.
The other construction of concrete build
ings commonly adopted Is the one with
continuous walls, with windows of ordinary
slse. In addition to these two types Is the
concrete building with outside self-sustain
Ing brick walls and piers. It Is usually the
case that outsldo self-sustaining brick walls
and piers are cheaper than concrete.
There is one feature about a concrete
building which is eminently satisfying and
pleasing, both to the owner and the archi
tect, and that is that the structural part of
the building continues to grow appreciably
stronger lor from six months to a year
after it is finished, on account of the final
setting up of the cement. It is usually nec
essary to test the . building for strength
within six to eight weeks after the last
concrete is put In. If the building In this
comparative "green" state "tests out" all
right, the architect can breathe a deep sigh
ct relief, as be knows his building will
never be weaker, but on the contrary, will
grow considerably stronger.
' Ballders Dole HUk.
From the architects' and engineers' point
of view the well known type of steel beam
and fireproof tile construction is much more
welcome and desirable, because the re
sponsibility In designing and auperlntnndlng
such construction is less than It is with
concrete. Many of the prominent architects
and engineers have therefore taken the
position that, on account of the risk In
volved, they do not care to take up re
enforced concrete construction until more
la known about it which will tend to insure
the safety of such work during building
operations.
I believe, however, that the concrete
building "will not down," and that the
outcome will be that the better class of
architects and engineers generally will be
obliged to take up concrete buildings on
account of the increasing demand for them
by their clients. If they do, a rapid im
provement and development in the re-en
forcement of concrete will undoubtedly fol
low, and I would not be surprised If this
development would be along the lines of
combining the loose steel bars now used
into some form of framework which would
not only re-enforce the concrete, but at
the same-time form a steel skeleton to an
chor to during building operations and
thereby greatly diminish the chance of
accident or collapse during construction.
Homes of Coaerete.
Concrete as . a building material for
homes Is strongly recommended hy
Adolph Relnlck in an illustrated article
In the current Home magaslne. Mr. Relnlck
says among the advantages "of concrete
homes are lower Insurance rates. Ianth-
ment of repair bills, greater warmth In
winter and cooler in summer. On this
point he says: In winter, dwellings com
posed of concrete are found to be mu"h
warmer than frame houses. The concrete
structure is wind and water proof, and te
tains the heat from within and excludes
the cold from without. This ondltlon
reduces the cost of heating an appreci
able amount.1 In summer the conditions
are reversed, and the heat without and
cool within are kept In more comfortable
control In the concrete - house than In
any other. The practical Impervluusnees
of the concrete house makes it more
sanitary than one In which change in
cltmatlo conditions are felt, and the total
abeenca of absorptive qualities renders
It the least active agent in the reten
tion of foul odors or Infected atmosphere,
which may arise from any one of many
conditions not easily guarded aaitiuil.
Mr. Relnlck suggests that while adverse
criticism of the bareness and Inartistic
appearance of concrete walls might be
given, but few of them appear to be Jus
tified. In construction with concrete
there are Instances where artistic effect
Is lost, and the walls appear particularly
cold and dead, but this Is not to be
charged up against concrete the arclil
tect, builder and owner may share in the
responsibility. They usually do. The
grays and light browns of the facing of
concrete are not Inartistic by any means.
Hollow Block Construction.
The hollow' block construction is the
more simple,. and in many small towns
and cities the making of concrete blocks
la a profitable business, the concrete
block being used In the place .f trick.
Not only docs the hollow block admit
of easier and safer electric wiring by
furnishing condulU of fireproof material,
but these may be utilised as ventilating
flues and for receptacles for gas and
water pipes. Tp lay the hollow blocks
requires no more skill than to lay brick,
and with the numerous molds, whi.-h
give a great variety of faces of rough
and dressed atone, there is small excuse
for failure to secure an artlstlo appear.
ance. The exterior is sometimes treated
with a cement mortar or pebble dash.
FlrapHaces, staircase, mantels and
heavy shelves have been made wlth"con
crete, reinforced with iron or steel, and
these give a faint hint of its use in the
future on the interior of dwellings. With
the wall covers of various . tints and
shades the concrete surface can be made
to appear in any color desirod to liar
monlze with the scheme of Interior doc
oration, aa it can be made to look like
dressed stone.
With a lower rate of Insurance, a sav
ing In depreciation, and economy of con
struction, concrete commends itself Irom
a strictly mercenary -point of- view. It
means something more to know you are
living In a practically fire-proof home.
STATE LIFE INSURANCE
Canadian Restriction and Regulation
Believed to Point 1m that
Direction.
WTTvTvTAM RMEIK
XL $L ' Ji -L-
GENERAL INSURANCE AGENT
205 RAMGE BUILDING
Careful Attention
BRANCHES
R.
A. MORISON, Dept. Manager
Reliable Companies
Correct Forms
INSURANCE IN ALL ITS
Fire
Tornado
Accident
Health
Plate Glass
Burglary
CERTIFICATE OP PI Bl.ICATIO.1.
BTATB OF NEBRASKA. OFFICE OF
AUDITOR OF PUBLIC ACCOUNTS.
Lincoln, Feb. 1, 1907.
It Is hereby certified that the Ocean Ac
cident and Guaranty Corporation of Lon
don has compiled with the Insurance law
of this state applicable to Such companies
and Is therefore authorised to continue the
business of accident, liability, burglary,
credit and steam boiler Insurance In this
state for the current year ending January
max,
Summary of report filed for the year
ending December 31st. 196:
INCOME.
Premiums $1,858,158.64
All other sources W,m6I
Total $1,963,458.25
DISBURSEMENTS.
Paid policy holders... $ 8J1.799.97
All other paymenU.... 801,457.44
Total $1,723,257.41
ADMITTED ASSETS.
$2,993,821.43
LIABILITIES.
Unpaid claims and ex
penses $ Rflf.8f4.36
Unearned premiums... 759,103.66
All other liabilities... 871.7S1.48 $1,736,639.39
Surplus beyond capi
tal stock and other
liabilities 1.257,122.04
Total $2,993,521.43
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 I PIERCE, Deputy.
CF.RTSF1CATH OF PrBLICATIO.
STATE OF NEBRASKA, OFFICE OF
AUDITOR OF PUBLIC ACCOUNTS.
Lincoln, Feb. 1, 19u7.
It Is herehy certified thnt the Maryland
Cnsualty Company of Baltimore, In the
slate of Maryland, has compiled with the
Insurance law of this state applicable to
such companies and Is therefore authorized
to continue the business of accident, em
ployers' liability, burglary, health, plate
glass, steam boiler and sprinkler Insur
ance In this state for the current year
ending Janunry 31st, 19C.
Summary of report filed for the year
ending December 31st, 1!U6:
INCOME
Premiums 2,3S1.370.10
All other sources 220,012.98
Total $2,601,353.08
DISBURSEMENTS.
Paid policy holders. ..$1,117.2H4.14
All other payments.... l,194,2ui.77
Total I... $2,311,569.91
ADMITTED ASSETS.
$3,779,065.89
LIABILITIES.
Unpaid claims and ex
pense $ 8tE.5i4 50
Unearned premiums... 1,1 23, tots. 53
All other liabilities.... 13'. 13-$2,108,606.86
Cnpital stock paid up. 750,000.00
Surplus beyond cnpl
tul stock and other
Ilublllties 920,449.53 1.670.4.63
Total $3,779,065.39
Witness my hand and the seal of the
Auditor of Public Accounts the day and
year first above written.
E.M. PEARLE. JR.,
(Seal) Auditor of Publlo Accounts.
JOHN L. PIERCE, Deputy.
CERTIFICATE OP PUBLICATION.
STATE OF NEBRASKA. OFFICE Of
AUDITOR OF PUBLIC ACCOUNTS.
Lincoln. Feb, 1. 1907.
It Is herehv certified that the Title Guar
anty and Btirety Company of Scranton, in
the' state of Pennsylvania, has compiled
with the Insurance law of this state PP'J
cable to such companies and Is therefore
authorised to continue the business or
stirety and fidelity Insurance In this state
for the current year ending January Sisi,
irw:
Summnry of report filed for the year
ending December 31st, UK!:
INCOME.
Premiums $ 621.34 59
All other sources 86,6,3.56
Total 606,924.11
DISBURSEMENTS.
Paid pollcv holders.. .8 lA1.9S0.flS
All other payments.... 871,692.14
Total $ 496,671 20
ADMITTED ASSETS.
$1,690,704.34
LIABILITIES.
Unpaid claims and ex
penses $ 140,502.48
Unearned premiums... 802,218.29
All other liabilities... r4,76.a-J 497,206.03
Capital Btock pnld up. 793,OJ0.00
Surplus beyond capi
tal stock and other
liabilities 400,498.31 L191 498.31
Total $1,690,704.34
Witness my hand and the seal of the
Auditor of labile Accounts the day and
year first above written.
E. M. SEA RLE, JR..
(Seal) Auditor of Public Accounts.
JOHN L. PIERCE, Deputy.
Liability
Automobile
Elevator
Steam Boilers
Surety Bonds
of All Kinds
They have also been having a life insur
ance investigation in Canada, and the con
clusions reached have Just been made pub'
Ho through the report of the "royal life
Insurance commission." The recommenda
tions of the commission follow in a general
wav the reforms adopted in New York
state especially In relation' te agents' com'
missions and Investments. Stocks are ruled
out of the list of available investments,
excepting Canadian bank stocks, while the
provision as to agency commissions Is thus
described:
"The commissioners propose to prohibit
the spending of more money to get new
business than Is covered by the loading on
the first premium, but with this provision,
that to the regular level loading may be
added the difference between the regular
nnual reserve value of a one-year policy,
which Is much lower, owing to the low eX'
pectatlon ot death within one year of medl
cal examination. The companies will be
allowed to pay further commissions out of
the next four years' premiums, except that
they must never Impair the receipts on a
policy to a point below the reserve value
under . the "select and ultimate" mortality
table of the commission's actuary,"
Rebating is to be prohibited under severe
penalties the much closer limitation upon
commissions operating by itself to prevent
that practice.
The proposed provision restricting agency
commissions is patterned closely upon the
new statue of New York, the chltf dif
ference being that the latter permits the
collection of limited commissions upon re
newal premiums for a little longer period
than the Canadian commission would
allow. This limitation of agency expenses
In acquiring' new business to the loadings
on first premiums Is a radical departure
from the old methods under which com
missions absorbed a large part and often
the whole of the first premiums, and some
times a bonus in addition thereto; but it
Is not so radical a step as Is recommended
by the Wisconsin Insurance commission,
which would also place a hard and fast
limitation upon the 'loadings, which may
not exceed a certain percentage of the net
premiums. If the limitation upon the ex
pense of obtaining new business, such
the New York and the proposed Canadian
law evidently aim to secure, la to be mads
certainly effectual it would seem to be
necessary to restrict the loadings also; for
the companies otherwise can expand the
loadings as they please and so expand the
rates of commissions to agents.
And to such an extent of restriction the
policy of state regulation Is rapidly being
carried. The Canadian commission sets Its
face strongly against direct state Insur
ance, but it seems to be unaware of the
fact that its restrictive policy tends to es
tablish what In essenco amounts to a sys
tem of state Insurance. If the state names
the table of mortality to be followed In
fixing premiums, the rate of interest on
reserve to be assumed in fixing premiums,
the rate of commissions that may be paid.
the way Investments shall be made and so
on what do .the life companies become ex
cept agencies of the state for conducting
Insurance? If loadings for expenses are
also restricted, then but one step remains
to make the companies direct agents of the
state, and that Is the specification of offi
cial salaries which are to be paid. Then we
should have nothing more than a system
of state life insurance and It will not be
long apparently before the states take the
salary matter also under control. Spring
field (Mass.) Republican.
CERTIFICATE OP PUBLICATION.
STATE OF NEBRASKA, OFFICE OF
Auditor of Public Accounts, Lincoln,
Feb. 1st, 1907. It Is hereby certified, Ihnt
the Phoenix Assurance Company of Lon
don, In the State of England, has com
plied with the Insurance Law of this
State, applicable to such Companies and
therefore authorized to continue tne
business of Fire and Lightning Insurance
In this State for the current year ending
January 3)st, 1908. Witness my han
and the seal of the Auditor of Publlo Ac
counts the day and year first above writ
ten.
E. M. BEARLK, JK.,
(Real) ' Auditor of Public Accounts.
JOHN L. PIERCE Deputy.
CERTIFICATE OP PUBLICATION.
STATE OF NEBRASKA, OFFICE OF
Auditor of Public Accounts, Lincoln,
Feb. 1st, 1907. It Is hereby certilled, that
the Fire Association of Philadelphia of
Philadelphia, in the State of Pennsylvania,
has complied with the Insurance Law of
this State applicable to such Companies
and Is therefore authorized to continue
the business of Fire and Lightning In
surance In this State for the current y?ar
ending January 31st, 1908. Witness my
hand and the seal of the Auditor of Public
Accounts the day and year first above
written.
E. M. PEARLE, JR..
(Seal) Auditor of Public Accounts.
JOHN L. PIERCE, Deputy.
CERTIFICATE OP PUBLICATION.
STATE OF NEBRASKA, OFFICE OF
Auditor of Publlo Accounts, Lincoln,
Feb. 1st, 1907. It Is hereby certified, that
the Phoenix Insurance Company of Hart
ford, in the State of Connecticut, has
complied with the Insurance Law of this
State applicable to such Companies and
Is theretore authorized to continue the
business of Fire and Lightning Insur
ance i nthis state for the current year
ending January 31st, 1908. Witness my
hand and the seal of the Auditor of Pub
lic Accounts the day and year first above
written.
E. M. PEARLE, JR..
(Seal) Auditor of Publlo Accounts.
JOHN L. PIERCE, Deputy.
CERTIFICATE OP rUBIJCATION.
STATE OF NEBRASKA. OFFICE O-F
Auditor of Publla Accounts, Lincoln,
Feb. 1st, 1907. It is hereby certified, that
the German Alliance Insurance Company
of New York, In the State of New lork,
has compiled with the Insurance Iw or
this State applicable to such Companla
and Is therefore authorized to continue
the business of Fire and Lightning In
surance in this State for the current year
ending January 31st, 1908. Witness my
hand and the seal of the Auditor of Pub
lic Acounts the day and year first abovs
written.
E. M. PEARLE. JR.,
. (Real) Auditor of Public Accounts.
JOHN L. PIERCE, Deputy.
KEEP YOUR MONEY AT HOME
Influence of Loral Pride In Clvlnar
ITew Insnranee Companies
Boost.
During the last two years there have
been organized some forty or more life
Insurance companies, and as many more
entered upon the first stages of promotion
in various sections of the country. The
onslaught made upon the old companies
and the loss of prestige and business sua
talned by those most violently attacked
seemed to present the opportunity for the
establishment of new life Insurance com
panics that . professional promoters were
looking for. Most of these new organlza
tions appeal generally to local pride, and
starting out with the wsr cry of "keep
your money at home," ask the support
of the people of their own state especially.
Some of them have actually been In bud
ness for a year or more, and their first
annual statements show that their appeals
to local pride have not been in vain, fo:
they have written In the aggregate many
millions of new business, while their flnan
clal accounts Indicate a "como-to-stay
condition. They all expect to Increase
their business year by year, and as they
grow stronger they will Ignore local 11m
Itations and enter into goneral competition
with the older companies. Many agents
and solicitors who were thrown out ot em'
ployment by the old companies have eu
133 BS3
A Nebraska Company for Nebraska People
1893 Eleventh Annual Statement 1937
of the-
Gorman Mutual Fire Insurance Company
OF OMAHA, NEBRASKA
December 31st, 1906:
PREMIUMS WRITTEN ............ ,........$130,041.05
LOSQES PAID, 1906 ....... J.. .V.. .. ..... ...... '40.240.30
LOSSES UNADJUSTED None,
LOSSES ADJUSTED AND UNPAID.. None
ASSETS, DECEMBER 31, 1906. x. 116,467.59
LOSSES PAID SINCE ORGANIZATION ........... 326,372.33
SAFE SOUND SECURE
Officers:
JAY E. WHITE, President.
JOHN WALL, Vice President.
C. W. HICTiS, Secretary.
P. P. COWDERY, Asst. Secy.
H. W. HICKS, Tresurtr.
Directors;
Jay E. Whit
John Wall - -C.
W. Hicks -L.
W. Marshall
H. W. Hicks -
Omaha. Neb.
Arcadia, Neb.
Omaha, Neb.
Lincoln, Neb
Omaha, Neb.
Certificate
8TATE OF NEBRASKA, OFFfCE OT
AUDITOR OF PUBLIC ACCOUNTS
LINCOLN, Feb. 1, 1907.
IT IS HEREBY CERTIFIED. That the
German Mutual Fire of Omaha, In the
State of Nebraska, has compiled with the
Insurance Law of this State applicable
to such Companies and is therefore auth
orized to continue the business cf Fire
and Lightning Insurance In this State for
the current year ending January 61st,
1908. , v
Witness my hand and the seal of the
Auditor of Publlo Accounts the day and
year first above written.
E. M. PEARLE, JR..
Auditor of Publlo Accounts.
JOHN L. PIERCE, Deputy.
B. L. BALDWIN, Pres.
ZSTABX.XSHE9 1891.
CERTIFICATE OP PUBLICATION
' STATE OF NEBRASKA, OFFICE OF
AUDITOR OF PUBLIC ACCOUNTS
LINCOLN. Feb. 1st, 1907.
IT IS HEREBY CERTIFIED, That the
German American Insurance Co., of New
York, In the State of New York, has com.
piled with the Insurance Law of this State
applicable to such Companies, and Is there
fore authorized to continue the business ot
Fire, Llgiitnlng and Tornado Insurance in
this Stale for the current year ending
January 31st, 1908.
Witness my hand and the seal of the
Auditor of Publio Accounts, the day and
year first above written.
E. M. SEA RLE. JR.,
(Seal) - Auditor of Publlo Accounts.
JOHN L. PIERCE, Deputy.
CERTIFICATE OP PUBLICATION
STATE OF NEBRASKA. OFFICE OF
AUDITOR OF PUBLIC ACCOUNTS
LINCOLN, Feb. 1st. 1907.
IT IS HEREBY CERTIFIED, That the
Hartford Fire Insurance Co., of Hartford,
In the State of Connecticut, has compiled
with the Insurance Law of this, State, ap
plicable to such Companies, and Is there
fore authorized to continue the business of
Fire, Lightning apd Tornado Insurance In
this State for the current year ending
January 31st, 1908.
Witness my hand and the seal of the
Auditor of Publlo Accounts, the day and
year first above written.
E. M. BEARLH, JR..
(Seal) Auditor of Public Accounts.
JOHN L. PIERCE. Deputy.
W. A. YON SON, Vice Pres.
General Insurance Agents
Insurance Exclusively
tsV
M. E. FOLEY, Sec'y
XVOOBPOXATliX) 1S0O.
LICENSED BSOKER
No. 1221 Farnsm St.
CERTIFICATE OF PUBLICATION
STATE OP NEBRASKA, OFFICE OF
AUDITOR OP PUBLIC ACCOUNTS.
LINCOLN, February 1st, 1907.
IT IS HEREBY CERTIFIED, That the United States Fidel
ity and Guarantee Company o( Baltimore, In the State of Mary
land, has compiled with the Insurance Law ot this State, appli
cable to such Companies, and Is theretore authorized to con
tinue the business of Burglary, Surety and Fidelity Insurance
In this State for the current year ending January 31st, 1908.
nummary of Report Piled for the Tear Ending December 31st, 1906.
Premiums , $2,383,776 53
All other sources 149,458.09
Total
DISBDSBIdXMTS.
Paid policy holders $ 831.105 B4
All other payments. 1,844,011.06
Total
ADMITTED A8SST8.
2.033,234.63
t2,::s,ii8.To
3, 705.592. 78
TTmrr.rrrc.
Unpaid Claims and Expenses...' $ 401,634 44
Unearned Premiums 1,172.548.96
All other liabilities. . .' 75.572.16 $1,649,755 55
Capital stock paid up 1,700,000.00
Surplus beyond Capital Stock and other
libilltles 355,837.21 t.035.807.21
Total $3,705,692.76
Witness my hand and the seal of the Auditor of Publlo Accounts
the day and year tirsi above written.
E. M. SEARLE, JR., Auditor of Public Accounts
(Seal) JOHN L. PRICE. Deputy. .'
CERTIFICATE OP PUBLICATION
STATE OF NEBRASKA. OFFTCE OF
AUDITOR OF PUBLIC ACCOUNTS
LINCOLN. Feb. 1st. 1907.
IT 13 HEREBY CERTIFIED, That ths
Palatine Insurance Co., of London, In the
Statp of England, has complied with the
Insurance Law of this State, applicable to
such Companies, and Is therefore author
ized to continue the business of Fire,
Lightning and Tornado Insurance In this
State for the current year ending January
31st, 1908.
Witness my hand and the seal of the
Auditor of Publlo Accounts, the day and
year first above written.
E. M. SEARLE. JR.,
(Seal) Auditor ot Public Accounts.
JOHN L. PIERCE, Deputy.
CERTIFICATE OP PUBLICATION
STATE OF NEBRASKA, OFFICE OF
AUDITOR OF PUBLIC ACCOUNTS
LINCOLN, Feb. 1st, 1907.
IT IS HEREBY CERTIFIED. That the
Providence Washington Insurance Co., of
Providence, in the State of Rhode Island,
has compiled with the Insurance Law ot
this State, applicable to such Companies,
and is therefore authorlied to continue
the busineas of Fire, Lightning and Tor
nado Insurance In this State for the cur
rent year ending Januury 31st, 1UJS.
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.
3Z
tered the service of tho new ones, and will
add their experience to the life and vigor
that is to be expected from the new con
cerns. These new organizations will make
competition in the life insurance business
keener than ever, and the old companies
will have to me We use of every means to
maintain their records for growth and ex
pansion. The "three giants" became espe
cially vulnerable in consequence of the
Armstrong investigation., and It may be
taken for granted that the new companies
will lose no opportunity . to "use the facts
brought out to their own benefit and the
discredit of the others. This is a danger
evidently not calculated upon by the man
agers of the old companies, whose attitude
toward their field men and the public has
been that rather of repulsion than attrac
tlon. It Is not surprising, therefore, to find
many ot ths old and successful agents
now marching under the banner of the
new organizations. Among these latter are
many In the west and south, in which
sections there has lorg existed considerable
feeling against the great financial and In
dustrial Institutions of the east, and an
appeal to local pride, a hen endorsed by
well known and trusted local men, has
generally met with substantial results.
The promoters of the new Ufa companies
are working this local feellr.g to the full
limit, and with much sueces. Properly
managed, they will soon outgrow their
local fields and will expand and spread
until they cover the entire field and be
able to hold their own against all comers
-The Spectator.
INSURE BUSINESS PROFITS-A sys
tematic advertising campaign through the
columns ot The Bee will do it at small cost.
MACHINE TO RESTORE LIFE
Patemt Resplratloa Tried oa Do-
Alao Good at SoberlaaT
the Iatoxlcated.
Prof. Robert Poe of Norfolk county, Vir
ginia, has invented and patented an arti
ficial raaplrator, which lae asserts will
bring the dead back to life. He experi
mented on a dog and was suocesbful. Other
animals were tried, with like aucuuas. In
addition to. causltit prlitioi&l respiration
the inventor, in an interview recently, said
thai to- those who linger too long at the
flowing bowl and who are too far gone
to navigate, the respirator will be useful.
as he can, with his machine, sober the
worst caae ot intoxication In exactly five
mlnuUs.
Prof. Poe says be has already experi
mented with a aubject. The wot king of ths
respirator Is best explained when It Is
stated that the principle is to pump oxygon
Into the lungs of an apparently dead per
son and pump out the carbonic gas.
Numbers of experiments were made on
animals apparently without life and In each
Instance It Is declared the vital spark was
rekindled. It is claimed that tlue machine
will prove Invaluable in case of asphyxia
tion, supposed drowning and persona suf
fering from the effects of overdose ot an
aesthetlcj, to say nothing of r Having 1
man of Intoxication In too seconds. New
York Herald.
Now Is the time to make your wants
known through. The Bee Want Ad page.