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About Omaha daily bee. (Omaha [Neb.]) 187?-1922 | View Entire Issue (April 25, 1909)
It THE OMAHA SUNDAY BEE; APRIL 25; 1900. STATE'S PROFIT "" FROM INSURANCE Nebraska's Treat ary'Enriched to the Amount of $539,307.87 in Last Six Tearl. SIXTEEN THOUSAND LICENSES OUT Insurance Department of the State is Poorly Equipped. Fidelity. ' casualty and uret companies frt,0.l t 7MH5.S.3 $7,3S.913 Ixp ial.1 in Nebraska durlng 1W7 reached the total of $4.7i42, as follow a: Fire Insurance wmranlm- Nebraska stork companies..-.' $ 24. ins Stock companies of other states.... ini7.fi 1 5 Mutual companies 8"1.M9 ANALYTICAL STATISTICS LACKING Economio Importance of Inurance Businei is Tremendous. FIGURES ON FLUE, LIFE, ACCIDENT Nebraska Life Companies Are Grow Ins la Eaaconrairla Fashion, and the Fraternal Are MaU ' Ins; Ureat Galaa. Fire, life and accident Insurance busi ness )n Nebraska foots up a. very sub stantial total In theae later years. At the present time tliere are 16,000 certificates granUd by the state Insurance depart ment, indicating that many agencies 01 several hundred companies. There are not that many agents, of course, slnoe one .agent often represents several companies, ' and he must have a certificate for each corrip&oy represented. Just how many ast'bta there are, not even the state In nurance deputy can tell; nor can the In surant department of the state auditor's office tell the percentage of losses Ln Ne braska to premiums paid. These statement need some explanation of a peculiar con dltltori existing In this state. In the six years preceding 1914 the entire receipts of the Insurance deputy's office totaled S198.763.87. During the same time ths salaries and running expenses of the 6ff!ce cost the state $30,540. thus leaving a balance on the right side of the ledger of $168,29.87. During the six years since 1908 the amount collected for the state treasury from fees , and taxes totaled Jjf9i847.87, while the expense was the same, )30,640, leaving 'a balance U the state Of $639,307.87. Ottlce Force Inadequate. In spite of the tremendous Increase In Income from fees and taxes, the office forte, has not been Increased, nor have the salaries been boosted. The result of this policy Is, that analytical work on .reports Is almost totally neglected. Today there Is plld oo tables ln the state Insurance deputy's office hundreds of reports that ha 5' not been examined or tabulated by the state actuary, because of lack of time on his part and insufficient help at the time When the reports come In. During the session of the legislature Mr. Wiggins, the actuary, waa kept busy looking up infor mation of one kind or another, or making examinations. ' The state auditor, very properly, perhaps, has considered the mak lug Of examinations of companies aa of more lmportance than the tabulating and analysing of reports. So the reports await the day when the state actuary shall have the time to attend to them. For the blonnlum ended December 1, 1908, the receipts of tho Insurance department of Nebraska were 1223,743.84, divided as follows; From fees, $63,602.76; taxes from fire Insurance companies, $23,966.43; taxes from life' Insurance . comp.uues. $3,883.77 taxes from surety ?omjanks $s3.S2; from 1 pur cent op gross premiums, $US,6o0.13; from 3 per.ceit tax, on surety and miscel laneous companies. $13,761.94.. For the same period the total expense waa.; For salaries, $7,6SO running expense, $2,600- total, $10,180. Fltld la Well Covered. On November 30, 1908, the companies doing business in this atate numbered 346. There were five Nebraska stock companies, nlnety-nlno stock companies of other states, suventy-ono mutual fire companies, forty-six legal reserve life companies, four halt and plate glass companies, twenty-four mutual benefit ' associations, life and accidont ' companies; fifty-one fidelity, casualty and surety companies; forty-six fraternal beneficiary societies. - Risks written In Nebraska during 1907, with premiums received, were: Fire Insurance Risks Prem. companies Written. Rec'd. Nebraska stock com panlea $ 69.n6.633 $ 922,641 Stork Companies other states 182,183,827 2.829,664 Mutual companies 66,6i,577 UnH.'Oi ' ' ' ' $306,96S,038 $4,440,441 Life, accident and mis cellaneous companies? Nebraska legal reserve companies $ 6,762,449 $ 854,770 I jural reserve life com putes of other statee... 8,477,662 2,676,186 Mutual benefit life and accident companlea 35,708,000 677,664 Fraternal bemflciary so cieties 28.a7.812 2.629.860 Mutual ball companies... 38,429 Certificate of Publication. TATE OF NEBRASKA, Office of AUDITOR OK PUBLIC ACCOUNTS. LINCOLN. Feb. 1. 19o9. IT 18 HEREBY CERTIFIED. That th Hurt ford Steam Boiler Inspection and In surance compuny of Hartford, In the state of Connecticut, has compiled with the In surance law of this stale, applicable to $1,563,329 Uf, accident and mlnrrllaneous companies Nebraska legal reserve life com panies 83,436 Leaal reserve life companies, other states 74i.l!r.! Mutual benefit, life and accident companies M3.4m Fraternal beneficiary societies l.K74.7 Mutual hall and plate glasa com panlea 18,358 Fidelity,1 casualty, and surety com panies 149,919 $3,209,096 F.connmle Importance Immense. The widespread economic Importance of the Insurance business of the United States can best be shown by- aome statistics printed by the Spectaitor, the New York nsurance journal, on March 4 and 26, last. Pillowing is a summary of the figures printed, giving the financial condition of he principal fire Insurance companies operating In this' country, as of date Jan uary 1, 1909: Cash capital $ 72.230.onr) Total assets 460.623.867 Net surplus lM.147.0ifl Net premiums written 1908 263.721,936 Total income 1908 271.943.712 leases paid 1008 142.626.6M Dividends to stockholders 8.931.311 Total disbursements 246,644.944 Thla allowing may be considered tui some what remarkable, from the fact that the year following tho Ban Francisco fire wsia a very bad one for the companies. Security values almost touched bottom, affecting disastrously the financial exhibit of a great majority of the companies. The following year, 1908, waa also quite unfavorable, be cause premiums decreased while losses in creased, but fortunately for the companlea the values of securities Improved In a noticeable degree. Great Jihovrlna- of Onea. For 161 life Insurance companlea, Includ ing one Omaha and two Lincoln companlea, the following showing was made, as of date January 1, 1909: FIRE WARDENS ARE CREATED Governor Will Appoint a Chief and Two Deputies, for State. - MAYOR NAMES ONE FOR OMAHA Dnty of harden Will lie to Take Prrrantlona Against Fire and to . Punish Incendiarism V Where Possible. A law to create a atate fire marshal, with two assistants, waa passed at the re cent session of the legislature In Ne braska, together with a law to create the office of fire warden In the city of Omaha. Under the new law the governor appoints the state warden and assistants and the mayor will appoint the city warden when he law takes effect July 1-at a salary of $1,600 a year. His duties will be to see that all ordinances of the city affecting the matter of fire prevention are enforced and also to Investigate the causes of fires. He will likewise be expected to cause the romoval of possible causes of fire, have an oversight of the storage of combustibles and generally watch for the preservation of property from fire. Similar duties de volve on the state wardens, in a larger field. Possible convictions for Incendiarism are not regarded elsewhere as, the smallest part of the duties of a fire warden. Sta tistics from the office of the fire mar shal ln Ohio show that the number of convictions for Incendiarism In that atate In the last three years exceed the num ber convicted during the hundred years preceding the creation of the office. In Texas also, during the last winter, an effort waa made to establish the office of fire marshal because of a loss during the last year of $7,000,000, as against not quite $3,000,000 loss In Nebraska. ' Good Work of Wardens. Nine states now have fiTe wardens', part of -whose duty ln Minnesota and the coast states Is to protect the standing timber as well as other property. WEBSTER. HOWARD & CO. GENERAL INSURANCE AGENTS 1 '.' i All Companies. Total assets v $ 3,4ti4.K.2,608 Capital and nnasslKtied funds ibU.jJo.vn Premiums, 1908 642,718,577 Total Income. 1908 699.679.0KO Total paymenta to policy holders, 1908 ;4,492,370 Total disbursements, 1908 466,214,066 New business paid, 1908, including revivals: Ordinary I,463.nfi7.:95 Industrial .. 606,073.906 Whole amount In force Jan. 1, 1909: Ordinary 11.832.614.661 Industrial 2,667,387,067 Gain of amount in force in 1908: Ordinary 348.916.648 Industrial '. 91,860,368 Bankers' Reserve Omaha. $ 1,666,344 389.340 834,372 894.331 19:1,438 632,701 6,109.750 Midwest Life Lincoln $ 161,662 . 120,i.'K V 51.478 59,782 4.694 34,696 Bankers' Lincoln. $ 2,813.039 669,273 8:2.0Ol ' 923.366 115.326 340,612 681,001 6.087,184 21.896,256 1.453.218 23,923,074 9,132,953 300,968 2,125,744 The life insurance companies of the country hold for the future protection of the policy holders nearly $3,600,000,000. Further, this vast aggregate Is well In vested, and about every penny of it is aiding, in one way or another, in the de velopment of the country. The outstanding contracts of the companies comprised In the above table, for ordinary and industrial Insurance, represent $14,600,011,718. Standing p'.edged, as they do, to c.lstributa this money as the contracts mature, the good manage ment, and good treatment by the Btates and the matron a government, -of thom panles involved means very much to the economio welfare of the nation, - because the Interests of the companies, the policy holders and the country-at iarge--ara all closely Interwoven. Colombia, Fire Insurance Company. Tho Columbia Fire Insurance company qf Omaha makes a notably good statement for 1900, especially as 'it carries all its In- wstmunts at, par value, not taking any ad vantage of the numerous Increases made during the year. I to assets are $1,082,632, which puts the company ln the millionaire class The increase in assets for the year Is $159,612; the reinsurance reserve, $698,800, an increase of $133,696. and the net surplus, $169,938, also an Increase of $25,91X The net premiums for 1908 were $621,707, an In crease of $102,719. The Columbia has in creased its assets from $200,000 to over $1,000,000 ln nine years, which certainly shows a capable management and safe un derwriting. This company Is now licensed to transact business ln Iowa, North and South Dakota, Kansas and Oklahoma, be sides Its home state, and among Insurance men generally It Is conceded that the Columbia has one of the finest agency or ganizations ln the west. This company has always been noted for Its conservative management, its prompt settlement and payment of losses, and the widespread confidence it has enjoyed from the Insur ing public. This compuny publishes and sends out as advertisement a statement, giving a description in detail of each real estate owned, each block of bonds owned, each bank in which It has a deposit and the amount in each, enabling the stock holders and tho public generally to Judge as to the safety and resources of the com pany. A recent examination made by the insurance department of the Btate of Ne braska discloses the following informa tion for the public: I know of too company that has been more aggressive in striving for business than the Columbia Fire, but it has kept Its charges for agents' commissions and management expenses well ln the limit of safety. Its books are well planned and correctly kept. The home office expenaes are very reasonable, and the number of employes are kept down to the minimum. There are hut two salaried officers, the secretary and assistant secretary, no salary ever having been paid to other officer or director. I find much to commend ln the Some Investigators assert that fully 50 per cent of fires are Incendiary and that a very large per cent of the rest are caused by carelessness, some of It of a criminal . nature. Advocates of the fire warden system insist that specialists are needed to cope with the problem of fire protection and for the investigation of suspicious conflagrations. W. S. Rogers, the state fire marshal of Ohio, ln a paper recently printed, says that until the ere- atlon of the special force of detectives ln that state court officers agreed that, per Jury aalde, incendiarism .was the crime in which trial was most likely- to result ln 'acquittal, for . the reason that in arson cases there Is always difficulty ln estab llshing the fact that a crime has been committed. "The Jncendiary," says Mr. Rogers, "is bothered with no plunder which has to be concealed or sold," whereas "the bur glar must bother with the goods." He says further that "the most important result of the activities of a fire marshal Is the deterrent effect. Knowledge that Incendiaries are quickly pursued and usu ally punished greatly diminishes the num ber of crimes." such companies and Is, therefore. uUur- ixed to continue the business of jipri ; management of this company. It settles iioiier insurance in iron state iui uu cur- lessees promptly ana equitaoiy, ana conrines January. 3lst, win.. it business to nearby territory. rnnt wear endine? Summary of report filed fur til ywtr ending December 31at, 1908: INCOME. Premiums 11.157.586 56 All other sources ... 191,592.63 Total $1,349,178.09 DISBURSEMENTS. Paid policy holders.... 90.936.33 All other payments.... l.lJ&.iSu.iW , Total ,A $1,226,516.23 Admitted assets 4,424,42i.41 LlAHlUTi:a Unpaid claims and expenses .....$ IS. SSI 11 Unearned premiums .. 1.86.729.16 All other liabilities... 9i.2so.71 $2,006,231.98 Capital stork paid up.. I,0uv,0u0.uu Surplus beyond capital stock and other lia bilities 1.418.034.43 I2.418.0ffl. 43 Total ..$4,424,426.41 Witness my hand and the seal of the Auditor of Public Accounts the day and year flxat above written. SILAS R. BARTON. (Seal.) Auditor of Public Accounts. C. E. PIERCE. Deputy. W. S. Curlls. Special Agent 105-406 McCague Bldg. Omaha, !eb. 1 cbbttpicatb or rvaucATiov. STATE OF fsfc.UK ASK A, or'FlCfci OF 4 - AUDITOR OF Pl'bLlC ACCOUNTS. LINCOLN, Feb. 1, 1909. IT Id HEREBY CERTIFIED, That ths - Commercial Union . Fire Insurance com pany of New York, lu th state of New York, bu compiled with the Insurance law of .this stale, applicable to such com panies and Is .herefore authorised to tonlinu the business of fire Insurance ln this state for the current year ending January list, 1910. . . Wltntiss ' my hand and ths seal of the Audits of Public Accounts the day and jr first above written. . K1LA3 R. BARTON. Auditor of Public Ac.ounta. ' a. E. PIERCE. Deputy. Tills company Insures property against losa or damage from fire, lightning, cy clone, tornado and windstorm. Wh Larkare Was Larking. Wilton Lackaye tella the following story of his early efforts: "Lawrence Barrett had engaged me to play 'another,' one of his friends, In 'Fran cesca da Rimini.' I was engaged to play at $26 a week and provide my own cos tumes. That seemed easy enough, but after we had been out six weeks Mr. Bar rett began putting on the other plays of his repertory, and I had to play several parts in each, and that meant as many changes of costume. I bought what I could and borrowed the others. It was about this time that he played 'Julius Caesar.' I appeared ln four roles and got on very well by borrowing, until the last act. Then all the other members were on the stage and needed their costumes as Roman soldiers. I put on a pair of rigged pink tights and an old white tunic that Otis Skinner had outgrown and discarded he waa about a head shorter than I am. I knew I was not looking my best In them, for I was as tall as I am now and weighed 120 pounds. But I was not prepared for what Mr. Barrett said to me. "When the curtain fell he beckoned to me. I approached. 'What do you think you are Impersonating?' he asked. 'I am trying to Impersonate a camp follower, one who skulks after the army and roba the dead,' I answered. "Mr. Barrett took another long survey of my unattractive person before he re plied: 'You looked like a sore finger.' " The Designer. Quirk Action fvr Your Money Toi get that by' ualiig'The Bee "advertising Columns In Intaraare Offlce. Two hundred years of continuous bus! ness existence and steady growth consti tute a record without parallel among prl vate enterprise ln the world today. This unique distinction- Is enjoyed by the ancient Hun Insurance office of London, and throughout the civilized world agents and policy holders of the venerable Insti tution are this year celebrating the bi centenary. The record of the Sun Insur ance office becomes all the more remarka ble when It is recalled that, according to the statistics of the commercial agencies, not more than five out of lOODnsJness en terprises are successful. Very fewof even the enterprises reckoned as successful en Joy a continuous life of more than a gen eration. The old "Sun of London," as the agents refer to the company, not only has ln the matter of continuous existence a record but originated most of the practices which now underlie the vast fabric of modern fire Insurance which, more than any other factor, supports the commercial credit of the world. In 1714 the Cun appointed a bricklayer and carpenter to be the what was then -galled a "surveyor," and this ap pointment was the origin of the present complicated system of inspection by which the hazard of a risk and the rate are de termined. The Sun also laid the foundation for the modern local agency system when It ap pointed, early in the Eighteenth century, a representative at Shakespeare's home Stratford-on-Avon JoBiah Freeman. Modern fire departments were also orig inated by the Sun. Early ln its history it organized a company of what were known as "watermen," whose duty it was to pro tect the risks upon which the Sun had Is sued policies. In addition to these things the Sun also originated many underwriting practices of purely technical Interest After 130 years of business confined to England the Sun began to accept colonial and foreign risks until at the present time it maintains agencies in very country In the world, where modern business methods have penetrated. This geographical ex pansion has been accompanied by a cor responding financial growth. After its first twenty years of existence the Sun had in surance in force amounting to $50,000,000. In 1801 this had increased to $400,000,000; In 1890 It waa $1,826,000,000; in 1904 It was $2,500,000,000. and at the present time the insurance in force is close to $3,000,000,000. Ia addition to cash assets of over 15.250.OOO H15.367.370. to be exact.) Sun policy holders have ths protection of $12. OCO.OOO of subscribed and guaranteed capital. The Bun's net surplus above all liabilities amounts to $8,052,180. Twenty years faithfully serving our patrons . arid still; representing companies absolutely sound and reliable with assets aggregating $60,000,000. All losses adjusted from this office promptly and paid in cash. We call the attention of careful in surers to these facts and respectfully solicit a share of your patronage. CXBTIXICATS Or PUBLICATION. STATE OF NEBRASKA, Office of AUDITOR OF PUBLIC ACCOUNTS. LINCOLN, Feb. 1. 1909. IT IS HEREBY CERTIFIED, That the Insurance Company of North America of Philadelphia, In the state of Pennsylvania haa compiled with the Insurance law of thla state, ap plicable to such companies, and la, therefore, authorised to continue the business of Fire, Tornado, Marine and Inland Insurance ln this state for the current year ending Janu ary 31st, 1910. Wltnesa my hand and the seal of the Auditor of Public Accounts, the day and year first above written. SILAS R. BARTON, (Seal.) Auditor of Public Accounts.. C. E. PIERCE. Deputy. CTKTXTICATB OT PUBLICATION. STATE OF NEBRASKA, Office of AUDITOR OF PUBLIC ACCOUNTS. LINCOLN. Feb. 1. 1909. JT IS HEREBY CERTIFIED. That the Scottish Union and National In surance company of Edlnburg, Scot land has complied with the Insur ance law of this state, applicable to such companies and is, therefore, au thorized to continue the business of Fire Insurance In this state for the current year ending January 31st, 1910. Wltnesa my hand and the seal of the Auditor of Public Accounts, the day and year flmt above written. SILAS R. BARTON. (Seal.) Auditor of Public Accounts. C. E. PIERCE, Deputy. CXKTITICATB OT PUBLICATION. STATE OF NEBRASKA, Office of AUDITOR OF PUBLIC ACCOUNTS. LINCOLN. Feb. 1. 1909. IT IS HEREBY CERTIFIED, That the London Assurance Corporation Insurance company of London, Eng land, has complied with the Insurance law of this state applicable to such companies and la. therefore, author ized to continue the business of Fire Insurance in this state for the cur rent year ending January 31st, 1910. Witness my hand and the seal of the Auditor of Public Accounts, tho day and year first above written. SILAS R. BARTON, (Seal.) Auditor of Public Accounts. C. E. PIERCE. Deputy. CEBTirXCATS OF PUBLICATION. STATE OF NEBRASKA. Office of AUDITOR OF PUBLIC ACCOUNTS. ' LINCOLN, Feb. 1. 1909. IT IS HEREBY CERTIFIED, That the Liverpool and London and Globe Insurance company of Liverpool, England, has complied with the In surance law of this Btate, applicable to such companies, and Is, there fore,, authorized to continue the busi ness of Fire Insurance In this state for the current year ending January 31st. 1910. Witness my hand and the seal of the Auditor of Public Accounts, tho day and year first above written. SILAS R. BARTON. (Seal.) Auditor of Public Accounts. C. E. PIERCE, Deputy. GEBTXriCATE OP PUBLICATION. 8TATE OF NEBRASKA, Office of AUDITOR OF PUBLIC ACCOUNTS. LINCOLN, Feb.. 1, 1903i IT 18 HEREBY CERTIFIED. .. TUaA, the SI. PaulFIre and Marine Insur ance company of St. Paul, ln the state of Minnesota, haa omplled with tho Insurance law of thjs. state appli cable to such companies and Is, there fore, authorised to continue the bust' nesB of Fire Insurance In this atate for. the' current year cndlnf January'' 31st. 1910. Witness niy; hand and the seal of the AuditorJof Public Accounts, the" day and year first above written, f i ' "VILAS R. BAllTON, . (Seal.) Audltor'of inrlillo Accounts. ' - , C. E. PIERCE, Deputy. , eiBTxnCATB or publication. . STATE OF NEBRASKA, office, of .AUDITOR OF PUBLIC "ACCOUNTS. LINCOLN. Feb. 1, 1903. IT IS HEREBY CERTIFIED, That the Hanover Fire Insurance company of New York. In the riofe of New York, haa compiled wlfti the Insur ance law of this state, applicable to such companlea and la, therefore, au thorized to continue ths business of Fire Insurance in this state for the current year ending January 31st, 1910. Witness my hand and the seal of the Auditor of Public Accounts, tho day and year first above written. SILAS R. BARTON. (Seal.) Auditor of Public Accounts. C. E. PIERCE, Deputy. Phne Douglas 970 : After 6 P. M.-Harriey 1059 326 Bee Bid;., OMAHA, NEB. B 1 V ri II J "mamai laiiniml 1 xu um-uillij ai.ua i.iiiiiiiiiimiii wi uniiiiaiiimmii ni mi i imiii niiiinMiMMiiiMiAsi'i"wiiMWMiiitiiiliM imisi miwwh iisiiiw mi mimimii iWmm nrjj j'il"l'li'lima iwm! ' 1 -'fcwiiiaaiMaa H. E. PALMER, Pres. in FEE? j Lid L3D J. D. FOSTER, VIce-Fret JOSEPH DARKER, Secy. O., Surety Bonds of Every Mature Executed Immediately; Accident, Steam Boiler, Employers9 and Public Liability, General Liability, Landlord's and Contractor's Contingent Liability, Burglary, Plate Glass, Sprinkler's Leakage, Flywheel, Ele vator Liability, Workman's Collective Insurance, Automobile Insurance. CEBTXriCATB O rrVBUOATIOV STATE OF NEBRASKA, OFFICE OF AUDITOR OF PUBLIC ACCOUNTS ' LINCOLN. February 1st, 1909. IT IS HEREBY CERTIFIED, That the Fidelity and Casualty Company of New York, ln the State of New York, has compiled with the Insurance Law of this State, applicable to such companies and Is therefore authorized to con tinue the business of Accident, Health, Liability, Fidelity, Plate Glass, Steam Holler, Burglary. Surety, Fly Wheel and Workmen's Collective Insurance ln this State for the current year ending January 31st, 1910. Summary of Report Filed for the Year Ending December 31st, 1908. 1 . INCOME Premiums ,6'3"??'!2!'?! All other sources 861,666.26 Total 16,679,187.34 Paid Policy Holders.. All other payments . DISBURSEMENTS .$2,429,876.33 . 3,833,626.21 Total Admitted Assets LIABILITIES Unpaid Clalma and Expenaes 55 Unearned Premiums 8'5I2'?5? S? All other liabilities UMJISS Capital Stock paid up..: s 1,000,000.00 Surplus beyond Capital Stock and other liabilities.. 2,011,834.00 $6,262,902.64 $8,649,886.66 Total Wltnesa my hand and the seal of the Auditor and year first above written. (Seal) C. E. PIERCE, Deputy. $5,638,051.66 8.011. 874. 00 $8,649,885.66 of Public Accounts the day R. BARTON. Auditor of Public Accounts. CERTIFICATE Or PUBLICATION STATE OF NEBRASKA, OFFICE OF AUDITOR OF PUBLIC ACCOUNTS LINCOLN, February 1st, 1909. IT IS HEREBY CERTIFIED, That the Title duaranty and Surety Com pany of Scranton, In the State of Pennsylvania, has compiled with tho Insur ance Law of thla State, applicable to such companies and la therefore author ized to continue the business of Surety and Fidelity Insurance ln this Stute for the current year ending January Slat, 1910. Summary of Report Filed for the Year Ending December 31st, 1908. INCOME Premiums $ 829,665.68 All other sources 70,046.20 Total $ 699,611.88 DISBURSEMENTS Paid Policy Holders $ 171,629.03 All other payments 472,271.41 ' Total $ 643.800.44 Admitted Assets $1,716,045.00 v LIABILITIES Unpaid Claims and Expenses $. 172.033.25 Unearned Premiums 318,319.11 All other liabilities 61.989.67 r-anltnl Stork tiald UD 800.000.00 Surplus beyond Capital Stock and other liabilities.. 363,702.97 1.163.702.97 Total $1,716,045.00 Witness my hand and the seal of the Auditor of Public Accounts the day and year first above written. ' SILAS R. BARTON. (Seal) V Auditor of Public Accounts. C. IE. PIERCE. Deputy. $ 552,342.03 OFFICE SO O TO SOG BRANDEIS BUILDING Telephones Bell Douglas 29; Independent A1120 Drspeptle Philosophy. The value of experience Is only demon strated by the after effects. Many a woman puts everything on her back to make a good front. The trouble with the family skeleton Is that it is never as dead as it seems. It's no fun for a woman to tell a swrat to any one she thinks will keep IL Look pleasant even though you may not be going to have your picture taken. It doesn't do much good to try to dodg the collector when there's ths devil to pay. There Isn't a great deal of difference be tween being called down and being shown up. The man who minds his own business Isn't so liable to have other people doing It for him. If-we could read the-future-as we -can We offer you insurance protection, em bracing fire, wind, Kail, tornado and plate glass, chosen as the strongest from our thirty years' experience. CTRTiriCATB OT rTXBXiXCATXOW STATE OF NEBRASKA OFFICE OF AUDITOR OF PUBLIC ACCOUNTS LINCOLN. February 1st, 1909. IT IS HEREBY CERTIFIED, That the Liverpool and London and Olobe Insurance Company of New York, ln the State of New York, has complied with the Insurance Law of this Stale, applicable to auch Companies and la therefore authorized to continue the buslneHs of Fire and Tornado Insur ance ln this State, for the current year ending January 81ft, 1910. Witness mv hand and the seal of the Auditor of Public Accounts, tho day and year first above written. SILAS R BARTON. (Seal) Auditor of Public Accounts. C. E. PIERCE, Deputy. CZBTtnCATS Or PTJBLICATIOBI STATE OF NEBRASKA OFFICE OF AUDITOR OF PUBLIC ACCOUNTS LINCOLN, February 1st. 19U9. IT IS HEREBY CERTIFIED. That the Aachen and Munich Fire Insur ance Company of Aachen, Germany, haa complied with the Insurance Law of tills State, applicable to such Com panlea and Is therefore authorized to continue the business of Fire Insur ance in this State for th". current year ending January 81st, 1910. Witness my hand and the seal cf the Auditor of Public Accounts, the day and year first above written. SILAS R. BARTON. (Seal) Auditor of Public Accounts. C. E. PIERCE, Deputy. th of , York ant CXBTZriCATB OT FTBLICATIOH STATE OF NEBRASKA OFFICE OF AUDITOR OF PUBLIC ACCOUNTS LINCOLN. February 1st, 1909. IT IS HEREBY CERTIFIED, That Fidelity Fire Insurance company New York, ln the State of, New , haa compiled with tne insur i iw ni thin KlHte ati)llcrable to such Companies and la thereforo au thorized to continue the bualnesj of Fire Insurance In this State for the current year ending January lint, 1910. Witness my hand and the seal of the Auditor of Public Accounts, the day and year first above written. SILAS R. BARTON. (Seal) Auditor of Public Accounts. C. E. PIERCE. Deputy. ape Itwestmeet Company 1506 Dodge Street L. id J the past. It would probably be Just as unsatisfactory. The only man who ean afford to Uve.up f to his Ideals Is to remain oor It's all right to whisper sweet nothliAs, but If a fellow really wants to marry la must make a noise like raal money. NJ York Tluta No Wonder. 'Your delineation of the part of a man under fire la marvelous," declared the manager. "I don't see how you do the thing so naturally." "Well," replied Hamdodo J. Ranter, "you see on our recent western tour, if a tableau or a climax was good, the au dience shot to show their appreciation; and If It was bad, they shot to exprees disapproval. It has become a habit." Puck. 1hA T will ...rtuH. Ih.t I h. will provide us with the ability to provide for ourselves. CERTIFICATE Or PtrBZ.iriATTO'sr 8TAT10 OF NEBRASKA OFFICIO OF AUDITOR OF PUBLIC ACCOUNTS LINCOLN, February 1st, 1909. IT fa HPRKHV f'L'DTHPirr, r.. i . - . ..... ii 1 1. iiini 11113 Bankers Reserve Life Uomiiany of Omaha, mi im; oiHiu ui jMenrasaa, lias compiled With tha Iniliran.. T a ... . . . I , I.. ...,.,. ..- ............. . .u ry ... .1111. piu ir. (, j pllcable to such companies, and la there- ""c nuiiHtiiiuu 10 continue ine Dusiness or Life Insurance In this Utut. fe th. year ending January 3lHt, 1910. . . nummary or report riled ror the year end ing December 31st, 19o8. INCOME Premluma i 711 rxr i All other sources &0.136.G9 Total $ 761,78181 niSHiTHSi.'Mi.-M'ra Paid policy holders x h rn "S All other payments.... 274.017.70 loiai Aamitted assets LIAHIL1TIF.O. Net reserve $1,168,148.00 wet policy claims All other liabilities.... Capital stock paid up. Surplus beyond capital siock ana other lia bilities . Total . i,wn,on.M Wunmi mv hiinH u n , V, An . . . I Auditor of Public Accounts the day and jcr iitBi auuve wriiien. SILAS R. BARTON. (SeaH Allriltnr nt IMit.llo A r, - C. E. PIERCE, Deputy. 440.024.94 1.666.344.30 ft Tf.i no 10.108.10 $1,177,004.10 100.OUO.00 289,310.28 389.340.W 1,646.344.38 CXBTZTICATB OT rUBUQATIOB". STATE OF NEBRASKA, OFFICE OF AUDITOR OF PUBLIC ACCOUNTS LINCOLN, Feb. 1, lo. IT IS HEREBY CERTIFIED, That tha Olrard Fire and Marine Insurance com pany of Philadelphia in the state ot Pennsylvania haa compiled with the in surance law of thla state, applicable to such companies and ia therefore author ized to continue the business of Fire and Tornado Insurance In this state for tha current year ending January 81st, 1910. Witness in y hand and th a-al ot the Auditor of Public Accounts the day .and year first above written. SILAS R. BARTON, - (Seal.) Auditor of Public Accounts. C. E. PIERCE.. Deputy. ij F. D. We?d, Agent VYEAB BLDG. ' lltk ul Far aasi SU.