' THE OMAHA SUNDAY BEEj MAgCIT 31. F
PROJyEM FOR TOE BUILDERS
"ntavfs Bert Tjpe of Bnttdinf to Bwrst
riw?
REPROOF A WORD Of WIDE LATITUDE
Trr Cotta mm 4
Coicrcl tha
Yet DUmt.
Y
et Protected lr
the Reinforce
Best Material
rrrm for the PirpoM.
Architects and builders at the present
Say are much engrossed with the question
Whether or not there Is such a thing as an
bent type of fireproof buildings, the doors
an1 dotir rxslnirs are of Iron or steel.
Tha ue of reinforced concrete within tha
laat few year ha reached great propor
tlona and Is believed to be tha beat ma
terial yet produced for the construction of
fireproof buildings. Reinforced concrete
construction Is based on a sound and
scientific theory, which Is using the steel
In tension and the concrete In compression.
The two best known building materials ara
thus used In their best form. This method
of construction has been favored mora by
reason of its first renlstance than by tha
ease and cost with which It can be utilized.
Fire Resistance of Concrete.
Flra resistance of reinforced concrete
depends entirely upon the thickness of tha
protection of the steel and the kind of ma
terlal used, for there are many varieties
YEAR'S SURETY BUSINESS
Bevitw cf Twe1 Vootha fhawg That
Much ProfiMi ii Made,
MANY CHANGES FOR IETTER NOTED
Harry Byrne Points Oat Issprnve
sneats ta Methods and Roaalta
That Hitt Coma With
Added TSsperlence.
absolutely fireproof building, and If It Is ! of concreie, some of which are useless for
possible to erect a building for practical ! protective purposes. The fact Is well
purposes that will withstand the ravages
of flames or Intense hent. The question Is J
of vital Interest In Omaha, where buildings
are being erected so extensively, and local
architects and contractors are leaders In .
the movement throughout the country for
a mora substantial class of buildings.
Lessons of hard experience were tatight
and learned In the partial destruction of
Ban Francisco and Baltimore by great
disasters, and the futility of steel buildings
In withstanding the flames was particularly
noticeable at Ban Francisco, where nothing
but the shell of Immense "fireproof" build
ings were left standing In the path of tha
flames.
Itemarkable as the difference' Is In the
number and fatality of railroad accidents
In the United States and Europe, Germany
In particular being Immune from such
disasters, tha difference Is not as marked
as that In building losses from great con
flagration. Tha cause for this deplorable
situation In such a progressive country as
ours Is not far to seek and lies principally
In the fact of the comparative cheapness of
wood In tha United States.
Difference In HntldlnRs.
The primeval forests of Europe have
long been completely exhausted and the
buildings In those countries are built, at
least externally, of Incombustible material.
The roofs are composed of tile, and this In
Itself reduces tha great fire hasard In the
"conflagration districts" of which so much
has been written lately In this country.
The great majority of buildings In tha
United Btates are so constructed that they
cannot resist an external heat of S.0O0 de
grees or over, and therefor we have In
this country -what Is known as "conflagra
tion districts," which are districts In a
olty through which a great flra could sweep
unobstructed. ,
Forests In abundance at close range and
tha comparative greater expense of securing
building materials of more heat-resisting
qualities have resulted in the building of
cities of wood throughout tha entire
breadth of our land.
A strictly fireproof building must cover
two essential points resistance' from with
out and resistance from within.
What la Really Fireproof.
' Steel Is looked to as the only real solu
tion of the problem by present day builders
by reason of Its known and scientifically
measured resistance up to 1,800 degrees of
heat. But steel unprotected Is as futile In
resisting greater heat as brick or wood,
which fact was amply Illustrated In Ban
Francisco and Baltimore.
The next step, therefore, leading to a
completely fireproof structure la that the
ateel be enveloped and covered with a ma
terial which has previously passed through
a melting degree of heat, auch as terra
ootta, procelaln. eta The question to be
met In every steel building, in. which, pro
tection from fire la the desideratum. Is,
"Has the steel been so protected T"
V This necessarily leads to Investigation as
to the combustible intensity of heat that
may develop In case of flra or. In other
words, as to the stock carried in the build
ing which la the fuel for the fire, as terra
cotta and steel will not born. Great con
sideration must be given to the combusti
ble material brought within the 'building
after ita erection.
If, therefore, a building should contain
1,000 tons of combustible material, tha
covering of the steel and terra c6tta would
have to be enormously heavy to resist such
mi fire, and It would border nearly on the
Impossible, but if tha building was to be
for office purposes it could be erected, and
they are, in fact, being erected absolutely
fireproof. If all the furniture In a steel
building restricted to offices was plied on
one floor and ignited there would be no
resultant damage to the building.
External Protection.
With reference to the external protection
of the steel building, the windows should
be of metal frames and wire, glass it an
other building is adjacent. , It must also
be remembered that heat reaching l.SOO
degrees la aa dangerous and harmful as the
actual flames.
The fire . ordinances of New York and
Chicago require eight inches of fireproof
material covering a steel column and three
Inches covering a steel beam, tha Judg
ment oc most builders being that such
covering of proper materials is sufficient.
and tha only wood used in a fireproof build-
lng is for floors and doors and, in the very
known to builders, aa. If limestone is used
In the making of reinforced concrete. Its
subjection to Intense heat will partially
disintegrate the whole mass, thus In
terfering with Its coheslveness. For this
reason the pioneers In concrete Construc
tion believed that concrete composed of
cinders would prove the solution by reason
of the cinders having undergone an Intense
degree of temperature. Blag Is also used
with more than ordinary success, becuuss
the slag Is repellant of heat or flame.
Cinders proved unsatisfactory as to
strength developed and their usa was
eventually abandoned. The matter has
now resolved Itself Into a choice of the
flre-reslBtlng material used in construction.
The construction of buildings from re
inforced concrete has been and is now
being exploited more than any other one
thing in the realm of fireproof buildings
and the Investigator of the subject will be
confronted with a great mass of literature.
Numberless tests can be Investigated
showing flre-reslstlng qualities of steel
construction enveloped with combustible
material and of reinforced concrete con
struction. One and two-story buildings
havo been built especially for tests. Im
mense fires have been built In such struc
tures and the results spread broadcast in
the form of advertisements.
What May Be Done.
It is deemed certain that buildings can
be constructed of either steel, with protec
tion, or reinforced concrete, which will
withstand any amount of heat without the
slightest damage to building or contents,
but the enveloping of the steel so used
would have to be .so heavy and thick and
of such indestructible quality, such as terra
cotta, that the building would be so heavy
as to be Impracticable, either in construc
tion or utility.
MIND WRECKED BY DISASTER
Loss of Family In Chicago Theater
Fire Drives llrsband and
Father Insane,
One of the many 'tragedies of the
Iroquois Are has had a new chapter. The
Tha past yar waa productive of many
phmri in the surety world. From a
financial standpoint It was a successful
one for most of the companies as compared i
with 1905 and other recent years. This Is j
evidenced by the Increase tn the surplus
accounts of such companies as tha Amer-
lean Surety, Fidelity and Deposit and
United States Fidelity and Gunranty, I
and by the payment of dividends, j
the first in several years, by the j
National Surety and American Bond
ing. Incidentally It may be noted that
two new executives, Messrs. Joyce
and Cator, "made good" In this respect.
Probably In no year, especially If we may
Include the first part of this year, have
there been so maay changes among the
officers and principal agents of the surety
oompanles as during the past one. The
United Bankers, Illinois, Empire and Met
ropolitan have all undergone a reorganlxa
tlon in mora or less degree. In spite of the
rumors that the Bankers and Illinois would
be absorbed, they retained their Identity.
At least two new . companies, which bid
fair to make their influence felt later, en
tered the field, vis.: The Hudson Surety
company of New Tork and the Keystone
Bonding company of Philadelphia.
Companies Closer Together.
There Is little question but that the com
panies are becoming more closely Identi
fied in the matter of rates and conditions,
and, while this may be attributed to a gen
eral awakening of executives to a realisa
tion of the fact that the business cannot
be written for nothing and losses paid, the
result has been effected In no small degree
by the organization of the Board of Casu
alty and Surety Underwriters, the National
Association of Casualty and Surety Agents
and the local underwriters' associations.
Perhaps one very Important indication that
the requirements of surety companies are
becoming .more uniform la the almost gen
eral exaction of Joint custody of assets in
connection with the execution of bonds for
guardians, especially where they ax
women.
There haa been considerable discussion of
matters which are of vital Importance to
the business and such problems as' the 10
per cent limitation Imposed by the federal
government and several of the states and
surety reserves have occupied the chief at
tention. The excise bond question, especi
ally in New Tork, and the re-entry of the
companies into, such states as Oklahoma,
have also called for careful consideration.
arrival of the White Star liner Cedrlo in ' New lines have been developed, and
Jsew York March 21 from the Mediter
ranean brought it.
James Kenning, a first cabin passenger,
went mad In mldocean and was put under
guard, the cause of his attack of insanity
being continual brooding over his sorrow a
His three children, Charles, aged 6; Ed
win, aged 11; and William, aged 14, were
burned to death in tha great theater hor
ror, and his wife was so badly injurod
tn tha same disaster that she died six
weeks later.
At the time of the fire Mr. Hennlng
and his family lived at 674J' Prairie ave
nue. Since then he haa been a wanderer,
with nominal residence in Ann Arbor. His
brother, Edward Hennlng, Is a broker here
and Uvea at the Chicago Beach hotel.
It waa during the return voyage from
a long stay In Africa and along tha Med
iterranean that Mr. Hennlng became In
sane. He soon developed suicidal symp
toms and waa locked up In his berth.
When the Cedrlc anchored off Sandy Hook
Mr. Hennlng got on deck and attempted to
jump Into the sea. He waa caught by tha
cabin steward as he was running to Jhe
rail. He. put up a sharp fight, biting the
steward on the hand. With the help of
other members of the crew the steward
overpowered Hennlng.
He was put In a strait Jacket. ' When
the ship docked at New York later he
was taken to , St, Vincent's
whence he was transferred
psychopathic ward at Bellevue.
told one of the passengers on
that his wife and children had been burned
to death In tha Iroquois fire.
It waa a week ago that Mr. H fan
ning, upon going into church service on
tha boat, suddenly grew insane.
"My God! I can see them now!" lie
shouted, and, leaping from his seat, he
rushed up on deck.
Thence on until the end of the voyage
he was under guard. Chicago Tribune.
hospital,
to the
He had
the boat
INSURE BUSINESS PROFITS A sys
tematic advertising campaign through the
columns of The Bee will do It at small cost
If a
critical observer were to analyse the work
of the past year, hs would probably come
to tha conclusion that more attention waa
paid by the managers of surety companies
to developing new lines than to any other
one thing.
New Lines of Bnslneas.
For example, bonds covering Individual
bank deposits, ball bonds -for automobile
owners and the new fidelity Insurance pol
icy, whereby an employe Is bonded without
his knowledge, have been evolved. Whether
these will prove profitable remains to be
seen, for, as was the case with the trav
eler's check system, they may prove un
profitable and be withdrawn later. At
tha present tlma they can be looked upon
only In the nature of experiments, when
the entire country aa a territory is con
sidered. - Probably the most Important decision as
regards all the companies handed down
during the year was that on mall route
bonds, wherein the courts sustained the
government's contention that tha penalty
of the bond should be forfeited in the na
ture of liquidated damages Instead of the
company's making reimbursement for the
exact amount of pecuniary loss suffered.
This has had the effect of making all the
companies look with disfavor upon star
mail route business.
Several of the companies, notably the
National, Metropolitan and Aetna, found It
to their advantage to cultivate the ac
quaintance of their general agents and this
feature of the field work will, I believe, be
fostered more In the future than In the
past, while the publicity bureau, now a
more Important adjunct to the life in
surance companies than the bond concerns
will be developed.
If the development of the surety business
follows the trend of the past year and the
policy of association rather than radical In
difference Is continued, the business will
have such a remarkable and stable growth
as to encourage the managers to Invest
more capital and to cultivate their agents.
President Nebraska Surety Underwriters'
Association.
jNebraska Life Insurance Business for Year 1906
NAME.
Insurance
In force
Jan 1, 11)07
Premiums on
Total Insurance
in Force. j
Insurance Written.
Aetna
Bankers' Life, Lincoln
Rankers Reserve, Omaha..
Central, Iowa
Connecticut Mutual
pea Moines Life
Equitable, Den Moines....
Iiultable, New York
Fidelity Mutual . .
Franklin, Springfield .....
Uenuania i..
Hartford Life
Home, New York.
Kanxaa City Lift...
Manhattan
Metropolitan
Mid-West, Lincoln
Minnesota Mutual..'
Missouri Stute Ufa.......
Mutual Benefit
Mutual, New York
Rational, Vermont
National Life, U. S. A... .
Now England
New York Life
Northwestern ,
Pat-Mo
Penn ; .
Phoenix
Provident L AT. Co
Prudential, Ord
Royal Union
Security Mutual, Lincoln...
State Mutual
Traveler!
Union Central
Union Mutual
Washington ;
Industrial Companies
Metropolitan
PrudeuUal
$ 2,3M.50
13.1li.244ii
0, JS.V---
oi'.'jno1
l,31,(tH
l,42o.s;i2
1.0U.C13,
0. ;uw,534
1, tNJ.537
G01.0J7
534,8-1i
8Kl,3o5
400,01s;
474,001)
124,76T
1,153,111
. rr.u,ooo
c37,tt;o
343. "in I
2,375, Nan
ll.uVa,H.',J
l.ToO.iS ;
1,111.443 ,
3.520,210
14.tHO.0ltf'
8,.KKS,,VStl'
1.074.KS2
1.017,023;
1.1S.S.SI7I
82D,5'.Oi
i,r.rM.37ij
1.103.224
5,OSJ,i)15
S22.3153,'
734!.r547j
4,022.833;
424.010!
423,0'JO;
2,T2ai07lj
l.bSit,7t;i;
j 1105.
$108,401
302,OOi"i
173.201
1,030
311,270
32,123
2ti,703
233.77SJ
41,S
lD.JSGvS
23,587
11.U71H
17,310
7,030
4,0!4
44,088
22,872
7,374
t8,5!
378.712
04,070
40,530
i,m! Ktrt
1 I ,lkl
240 0021
17.72H
M,M8
r0,UD3
20,411
04.41I5
2H.31KJ
lta,774
23,401
14,112!
138,1125
13,507
1U.471W
S3.S04
07,201
l'JOO. I
$107,353
307.1)88'
11)1,101 i
10,011
4D.114;
4O,038j
34,14l
240,531
41,074;
21.1U4;
S4.183:
U.SiiT.'j
19,501;
1S.1U7
4,313
4S,34;
21,084,
21,711
11,454!
83.272
379,111!
74.473
54,301 i
115,275
432,275;
232.DO.-i l
42,ltOi
01.1U3!
62,81011
24.su;
05,317
33.218
101.233;
25.501 1
17.243'
157,770,
15,501!
11U44
1005.
,$ 530,001;$
Total.
Terminations.
3,003.180
027,230
00,000
158,003
4t5,200
175
032,008
408,002
201,948
1U4.U53
53,400
118,108
1S7.M
17,1)50:
435,
704
350,000
232,444
20O.U27
1)47,040
423,201
285,431
434,070
2.v;o.o
StSO.ltM
103.7
258,013
2o4,418
171,530
028,538
230,300
2,222.02U
UD.0O5
10,O.0
402,300
D1.U13
S.S.800
88,780! 1,224,450
72,102,'! 8tJ0,04.Sj
10O0.
301,110'!$
2.078,3501
743,500,
480,030 1
130,452 1
600,430
2S'J,545j
312,tf71
200,030
172,173
130,100
01,027
61,700:
30O,5X)j
2!),4!)D
355,4 11 1
650,000
42.705 !
205,510 1 1
2oO.DK!
647,050
' 1 45,100 1
452.0-14'
307,427 1
878,505,
088,700!
333,411);
187.353;
2(0,201
212.430;
352.550;
308.143
1,450,505!
111.700
117,000
C18,0)O
75,tU2
63,131
888,080
873,523
1005.
1000.
By Death.
1005.
1000.
242,054$ 242,504 $
1,740,050 1,708.7401
582
374,005
8,000
110,241)
240,458
44,904
038.870
213.033
121,081
104.040
35,158
70,415
none
G.2S8
278,200,
100,000
27,800
121.007
710.040
100,120
222,101
' 125,072
1.4SU.602
332.5US
70,030
lJ,130'
03,500
44.087
3U3,0CD
124,003
l,2Sa,i2lJ
64.401H
21,000
185.383
72,000
03.300
P.89,080
CS1.W1
400,
20,100
157,84
150,821
82,201
G3S.270
822,400
137,111
122,820
64,010
03,540
73,500
80,008
207.871
none
103,500
175,442
07,000
1,030,2
324,870
187,580
217,0;i5
1,108,025
301.810
383,084
155,672
85,475
83,875
8ti0.870
174,784
1,070, 257
71,070
10.0051
220,483
ei.ioH
60,507
790,503
708,300
4,000,$
31,050
21,500
none
10,380
10,000
4.480
47,108
7,470
300
2,333
5,000
7,8tl
none
250
11.600!
8,000
none
63,508
84,80
o.axH
3,000
11,000
88,501
200,737
3,108
4,01 KM
8,000
none
6,8i0
15,600,
22.5U)
12.000
0.87W
6,478
1,000
5,053
17.055
14,318
10,227
20,500
10,500 .
none
48,200
11,000
9,331
73,000
12,300
0,550
0,000
2,000
7,035
1,000
25,410
25,000
. none
noue
none
33,581
140,307
20,000
8,400
88.080
1)4,033
00,340
21,700
42,620
1,000
none
16.800
0.5O0
30.000
30.247
0,280
14.064
0,O M)
15,507
19,032
10,124
Start.d April, 1000.
1990
Seventh Annual Statement oi the
1507
a ii'ire liiswice do.
of Omaha, Nebraska
Capital Paid in Cash, $200,000.00
Total Resources, $756,028.14
' - ASSETS
First Mortgage Farm Loans $466,680.00
Municipal Bonds 107,462.50
Bute, City and School District Warrants 6,172. 93
Cash In Banks 63,711.19
Cash In Office 6,666.60
Bills Receivable (Farm Premium Notes
not matured) 74,820.37
Premiums In Course cf Collection
Due from Insurance Companies
Accrued Interest on . Bonds, Mortgagee,
.Warrants and Certificate oi Deposit..
30,114.19
362.30
12,139.16
Total Amft $7B0,02.14
LIABILITIES
Capital Stock $?00.000.00
Due Agents and Others 7,788.46
Reserve Required by Law for the Pro
tection of Outstanding Risks 437,280.68
Losses Adjusted and Unpaid INone
Reserved for Estimated Unadjusted
Losses 10, 812.04
NET SURPLUS 100,106.96
TotalLlabllltiea .' 75,028.14
Increase In Aaiwta, 1006 $145,0fl9.50
Increase In Reinsurance Reserve, 1906,. 101, 00C.72
Increase in Net Premiums, 1906 88,489.18
Premium Income Since Organization $1,855,491.78
Losses Paid Since Organization ; 521,084.01
1906 BUSINESS
Nebraska
Kansas
Iowa
South Dakota
North Dakota
Oklahoma and Ind. Ter.
Premiums ' Losses
$285,478.44
81,234.76
35,364.99
39.769.00
2, BSC. 17
11.208.49
State Agents.
$87,713.98
31,461.63
8,463.20
9,472.72
Nil
. 160.00
E. O. Bohanan, Lincoln, Neb.
C. H. Searle, Topeka, Kan.
C. J. Wooldridge, Sioux City, la.
Geo. L. lies, Sioux Falls, S. D.
Frank Harris, Bismark, N. D.
Henry Ludlow, Oklahoma City.
' Total 8455,681.84 8187,251.43
A prominent, strong. Influential western organization, with an aggressive field force. No orer
bead writing. Insurance against loss from fire, lightning, cyclone, tornado and windstorm. Issues
the easiest selling policies on the market, among which may be mentioned particularly lt dwelling
house and farm policies. Live stock covered against loss by fire or tornado on or off premiers of
assured.
A good concern to patronize if you believe In standing up for the west
. Local agents desired where not already represented.
Uinccrs
D. E. THOMPSON, President.
O.E.YOST, Vice President
J. B. DINSMORE, 2d Vice Pres.
0. D. MULLEN, Sec. and Treas.
0. 0. TALMAGE, - Asst. Socy.
Directors
D. E. Thompson, 0. E. Yost
II. A. Wiggenboro,
Henry RagaU, J. H. Miles,
J. T. Bressler,
E. O. Bohanan, 0. D. Mullen,
J. A. Sunderland.
Certificate of PuUiettioA
STATE OF NEBRASKA, OFFICE OF
AUDITOR OF PUBLIC ACCOUNTS.
LINCOLN, Feb. 1, 1907.
IT IS HEREBY CERTIFIED, That
the Columbia Fire Insurance Co, of
Omaha In the State of Nebraska, haa
compiled with the Insurance Law of
this State, applicable to such Com
panies and Is therefore authorUed to
continue the business of Fire, Light
ning, Cyclone, Tornado and Windstorm
Insuraace in this State for the current
year ending January Slat, 1908.
Witness my hand and the seal of the
Auditor of Public Accounts, the day
and year first above written.
E. M. SEARLE, JR..
Auditor of Public Accounts.
JOHN L. PIERCE, Deputy.
1BE
wmm
Ssn
INSURANCE, REAL ESTATE, LOANS
Telephone Dovghvs 1064 1320 Farnam Street
OMAHA, NEBRASKA
Certificate of Publication
STATE OF NEBRASKA, OFFICH OF
AUDITOR OF PUBLIC ACCOUNTS.
LINCOLN, Feb. 1, 1907.
IT 18 HKREBT CERTIFIED, That
the London and Lancashire Fire In
surance Co., of Liverpool In the State
of England, has compiled with the In
surance Law of this State applicable
to such Companies and Is authorUed
to continue the business of Fire and
Lightning Insurance In this State for
the carrent year ending January 21st,
1901.
Witness my hand and the seal of
the Auditor of Public Accounts the
day and year first above written.
E. M. PEARLE, JR..
Auditor of public Accounts.
JOHN L. PIERCE, Deputy.
Certificate of Publication
BTATK OF NEBRASKA, OFFICE OF
AUDITOR OF PUBLIC ACCOUNTS.
LINCOLN, Feb. 1st, 1907.
IT IS HEREBY CERTIFIED. That
the Queen Insurance Company of
America of New York. In the State
of New Tork, haa compiled with the
Insurance Law of this State, appli
cable to such Companies and Is there
fore authorised to continue the busi
ness of Fire and Lightning Insurance
In this State for the current year end
ing January Slst, 1908.
Witness my hand and the seal of
the Auditor of Public Accounts the
day and year first above written.
E. M. SEALE. JR.,
Auditor of Public Accounts.
JOHN U PIERCE. Deputy.
Certificate of Publication
STATE OF NEBRASKA. OFFICE OF
AUDITOR OF PUBLIC ACCOUNTS.
LINCOLN, Feb. 1. 190J
IT 18 HEREBY CERTIFIED, "That lh
Reyal Exchange Assurance Company of
London, In the State ef England, has com
piled with the Insurance Law of this
State, applicable to such Companies and
Is hereby authorised to continue the bus
iness of Fire Insurance in this State for
the current year ending January slst,
1908.
Witness my hand the seal of the Audi
tor of Publlo Accounts the day and year
first above written.
E. M. SEARLE, JR.,
Auditor of Public Aceaents.
JOHN L. PIERCE, Deputy. .
Certificate of Publication
STATE OF NEBRASKA, OFFICE OF
AUDITOR OF PUBLIC ACCOUNTS.
LINCOLN, Feb. t, 190T
IT IS HEREBY CERTIFIED, That the
Niagara Fire Insurance Co., of New Tork
In the State of New Tork, has complied
with the Insurance Law of this State
applicable to such' Companies and la there
fore authorised to continue the business
of Fire and Lightning Insurance in this
6tate for the current year ending Janu
ary Jlst, 1908. r
Witness my hand the seal of the Audi
tor of Publlo Accounts the day and year
first above written.
E. M. SEARLE, JR.,
Auditor of Public Accounta.
JOHN U FIERCE. Deputy.
C000-O'O00-0OQ-0O-O- O-00'0O-0-0-O0-O-0O0"O
NEBRASKA UNDERWRITERS
INSURANCE COMPANY
OMAHA ,
W. C SUNDEBLAXD.
President.
A. B. JAQLTTB,
. Vlcc-Fres.
CASH CAPITAL
$100,000,00
M. F. rUNKBOUSEI,
V.-Prea. a Scc'y.
W. E. AHMANSOX,
Assistant Sec'y.
ASSETS
$203,727.90
OomDanv's Building.
Telophqae Dougl
MM.TH
1118 Farnam Street, Omaha.
31.
BOVXTS COM nEBTATITB
.A8SXT.
1903, Deo. Slst, S132.I22.8a
1905, D.O. 31st. $142,413.91
1904. Deo. 3ist. $160,024.64
1905. D.o.si.t. $186,975.93-
1906. S203.727.90
We write Fire. Lightning and Tornado Insurance on City and Farm Property.
Active Agents wanted In every town In Nebraska where not already
represented.
O-0-O-0OOO-OQ000,00OO0O
Accident and Health Insurance
Giving Weekly Benefits from $8.00 to
$24.00 per week, according to occupation.
Funeral Benefits of $50.00 to $100.00
and Sick Benefits of $6.00 per week.
Phis Combination Certificate
gives ample protection against
loss of income occasioned by
Ay ACCIDENT
WE pay benefit for fifty-two weeka
for total disability caused by acci
dent occurlnc at home. In office, store,
shop, factory, mill or yard, on the
street or farm, traveling, driving, bi
cycling, mo t or in j, boating, fishing,
akatlng, hunting, horseback riding, go
ing to and from work, and in all ordi
nary vocations of lite.
12 Months Accident Indemnities
6 Months Illness Indemnities
WHW)
turn ir'"--
BENEFITS OF THE
FIDELITY'S PENSION POLICY
First Lowest cost, highest guarantee.
Second Should you become Incapacitated by ac
cident or di&ease, premiums cease and pension
begins; this at a time when Income la needed
most.
Third It plugs up the loop holes through which
your life Insurance may get away from you.
Flrnt Comfort and ease of mind beneficiary
can never want.
Second It Is absolutely permanent. No bother,
no worry. The Income la for life.
Third The only part of your estate that cannot
be levied against for your Indebtedness.
C.U Lea Thaa All Others. C'oata Nothing to InveaUgaW.
H;EK A nice deek pad calender. Call, phone or write.
The Fidelity Mutual Life Insurance Co.
OF PHILADELPHIA. L. G. FOISE, President.
NEZDRAQKA OFFICE:
840 lie Building,
BEST
FOR
YOU
DEST
FOR
BENEFICIARY
Ouialiev
F. W. HERON,
Manager.
World Accident Association
502 W. 0. W. Building, Omaha, Neb.
u
$2.50 I
Per
Quarter i
after 6
the
first
month ?
GARVIN BROTHERS
AaXBTT'l OXBTXTZOATxl
State oi .Nbrak, office ot Publlo
Accounts, insurance Department, No.
7111.
Lincoln. Neb.. Feb. 1. 1807.
It Is Hereby Certified, That the
Pennsylvania Fire and Insuranoe
Company of Philadelphia In the state
of Pennsylvania, lias complied with
the laws of this slate and Aled at
this office the appointment of Frank
H. Garvin as their lawful aeent at
Omaha, lathe county of Douglas, la
the State f Nebraska.
Now Therefore, The above name!
aaent Is hereby authorised to trans
act the business of Insuranoe as
aaent of said oompany in this situs
until the tlst day of January, A. P.,
10J. unless sooner revoked.
In testimony whereof I have here
unto eet my hand and efflcial seal,
the day and year first above wrrtlon.
B M. SKA I.E. JR..
Auditor of Publlo Aoceunts.
OZBTXTXOATV Or rTJBUOATXOir
STATE OF NEBRASKA. OFFICE OF
AUDITOR OF PUBLIC ACCOUNTS.
LINCOLN. Feb. 1. 1997.
IT IS HEREBY CERTIFIED. That
the 8evea Fire and Life Insurance
Company of Oothenburg, In the elate
of Sweden, has complied with tha
Insurance law of this state, applicable
to such oompanles and Is therefore
authorised to continue the business
of fire and Uhtnln Insurance in
this etate for the current year end
ing January list, 10.
Witness my hand and seal of the
Auditor of Public Accounts, the day
and year first above written.
E. li. SEARLE, JR-,
(BeeJ) Auditor of Publlo Accounta.
JOHN L. PIERCE, Deputy.
GARVIN BROTHERS
REAL ESTATE. LOANS. FIRE INSURANCE, RENTALS.
Teirphane &a. 160 Fanuua Street,
i r