i cr G t.ii, 131,; OMAHA, MONDAY, OCTOBER 28, 1912. U El Northwestern Mutual Life Insurance Company OF MILWAUKEE Till space rtiittil for Tne Prudential Insurance Company. M. BRUCE CARPEirrra, Mgr. lot Htbraska and Soath Dakota, 519 City Rational Bank Building. MANN & JUNOD Oenrrnl Agents 538-514 Ilram!'! Building, OMAHA Notes from the Insurance Field 'PUBLICITY FOR INSURANCE I Memphis Convention Goes on Record in Favor of Plan. llHMMBHMKlHaHaHMH E33BBI ABSOLUTE SECURITY The Kqultable gives ni-jwluto scrurHy to Its policy-holders and beneficiaries. Its nva Hunrtre I MUM-ms of As. guaraj,le the fulfillment of every obligation rr i jjHy anil In full. TIip removal of all uncertainty Is para mount to overy other cot.sldpraUon In a life Insurance transaction, which may rover a period of half a century or more. TIFK KQl ITAIltjK MI'K AHSUHAXtU SOt'IKTV of the UNITED STATBB II. I). NKELV & CO., MinnKCtiH, 101 Xerchnnu Xa'.'l Bank BltlR. X. X. NXEI.T. JOB KLEIN. S. H. PXOXAKS. STRONG AGAINST THE REBATE Itrsolntlon Adopted Mark Important Htep Forward In Mutter of Get flair T Buslnes Bprech by Blackburn. MANY MEN ' are In hot water annul their Insurance because they chone new or Untried concerns. A policy In the. New Kmrtnnd Mntnal will give you Increased satisfaction. G. W. NOBLE, Osnaral AgtnU OXAAX.BS I.. HOFPEB, Rpsslal Agent. J. O. XTTCXJIAN, Special Affsnt. a ran data Blag., Omaha. THE Union Central Life Ins, Go, OP CINCINNATI, OHIO HARRY O. STEEL Osnsral Agent. 313 Banwrs Bid. Phone O. 3163, XiABQZST DIVIDENDS. LOWEST 2TBT COST. Bar Money. Plgnrs With Us. Mao U60. -COMB TO THE Assets 8,099,000. GERMANIA With AITSZB4IOjr Policies Issued by the Ocrmanla Ufa Insurance Company of New Tork are standard at the lowest cost, They are satisfaction to the owner and the agent. 430 Uee nulldtng. "STATE MUTUAL" OF WORCESTER, MASS. ME OF THE ILIEST-IS YEARS and Beat Companies on Earth. W. H. INDOE General Agent Ma Hoe Building, OMAHA OBOAimEB 1840. The Mutual Benefit Life Insurance Company of XKWAJUC, MW JXMJBT GEO. T.'BLANDFORD, Oeneral Agent. 418-16 Olty National Soak Bids', Omaha, Nebraska, BEFORE BUYING SEE METROPOLITAN LIFE INSURANCE CO. Low Premium Contracts W. L, KILLY, Supt. 337 Omaha Natl. Bk. Bldg. f 1 Provident Life and Trust Company A. O. MOTIRMAN, C. A. ISVItK, 55a itoo nuiiains Special Agent Apodal Agent Boos Tour $38.00 Acoldsnt Policy Stsad 87,500, ... 813, OOO indemnity, 830 WOT The aRLEKERLc-tliCO Issut-a auoh a policy LY1MNE D. UPHAM Nebraska Manager and Adjaater. Olty national Bank Building. -.V MEWTHIS, Tenn.. Oct. 3S. The not of publicity and education sounded by 1'restdent It. Ilrackett Illshop In his an nual address Is one of the most Interest ing things of the present meeting of the National Association of Life Under writers. It Is In line with the general movement In other branches of the In surance business. It was carried In an other direction yesterday by the fine ad dress of Dr. Dowllng- and another light on It was thrown today by the Im pressive paper of Edward A. Woods, Ren erml scent of the Equitable Ufe of Pitts burgh, on the topic, "The Ufo Insuranco Agent of the Future." Favors AdrrrtUInK Campaign. In line with this big and Increasingly Important theme, tho suggestion of Presi dent Ulshop for association advertising to hit the general public was still further talked, of and developed Informally by some of tho lobby talks during the con ventlon. It was reported that one of the members ,frorn the northwest hnif framed up a big scheme for general ad vertising In dally papers by companies, and as has been announced In the Insur. ance Field a. prominent advertising firm n Chicago is at work on the same project All these straws show that the Ufo Insurance wind Is blowing hard In Jlie direction of wider publicity work and higher education not only of the field men, but of the great army of the uninsured. Mr. Orr, chairman of the executive committee, reported a resolution Intro duced by Warren M, Horner of Minne apolis, which was approved, repeating and strengthening the anti-rebate prin ciples and authorizing the president and committee to confer for a big cam paign of publicity and education by ad vertising. It is a big resolution and opens up a broad field. Tho convention adopted this unanimously. Mr. Horner then expanded his Ideas on this subject He believed in closer relations through soma united plan. Wil son Williams of New Orleans made a very strong speech on tho subjoct He said high schools and colleges shouli have special classes on life Insurance Forty Institutions now have them, he said. They would be the greatest pos sible aid to the business. Insurance jour. nils are great aids to Insurance workerr along linos of suggestion. Following is tho text of tho resolution proposed by Warren M. Horner of Min neapolis and adopted by tho National Association of Life underwriters; Whereas. The Institution of life lnsur- anco. as conducted by our stundard A'mer lean companies, occupies a commanding position In comparison with all world movements In Its economlo and benef icent relntlon to humanity, and wnertas, The comparative newness of tho system and Its rapid growth have prevented a proper understanding of the Importance of the business, both In Its relation to the public and as a vocation, Whereas. The companies and managing agents deserve unusual credit for oulld Ing a structure of such enduring auall ties that plays so great a part In equal ising Business conditions ana in nt the Invitation of the president and wish to express to you my great grati fication nt seeing so many attending this meeting. I wasaat your meeting In Chi cago Inst year. Thlc meeting, of course, will not be so largo as the Chicago meet , Ing but will be iulte as Interesting and I am sure from my experience here that you will have Jusl as good a tlmo here as you had In Chlcaxo. This southern hospitality Is far known. It is wide It eo-s out to everyone who comes to a routhern town and they may be sure they aro welcome. A great many of the life convention companies are In the south so I speak as one who has some knowledge. The American Ufe conven tion Is In the same kind of buiness that yo" are In. The difference between the American Ufe convention and the Asio ctatlon of Ufe Underwriters Is that the American Life convention Is an organi zation of men who bring to the com panies the business that enables the home officers to pay themselves their salaries. Your business Is a great one. There Is nothing that seems to mo more Interesting In (.oiinectlon with this busi ngs nt life insurance than the develop ment of the sentiment among life Insur anco producers. When you go to a town you ought to hold up your heads and If you go Into the banker's office sny "Here. I want your help. Kvory tlmo I write a life Insurance policy I am ThesH notifies that you write of cour-- protect families and it seems that something ought to be done to reduce the lapse ratio wnicn great loss which life Insurance panles are now experiencing. INSURANCE WORLD DOINGS Wisconsin Enters Field, with Life and Annuity Policies. PROBLEM OF MIXED AGENCIES Pioneer Nebraska Agtsl Dies t Chi- Kentucky Cnttlns; ftatca -A Clerelund Tinder-box. cao- hio nuii.Dixo a Tismciinox. In an experiment In state life insurance In Wisconsin under the law of 1911, which became operative this month, ap plicants are given tho choice of five forms, the rates being figured on the American "Experience Table of Mortality, with Interest at 3 Ier cent. The state administers tho fund, paying no commis sions V agents, eliminating enUrely tho element of profit, and making no charge for officers or management only cleri cal help btilng paid from the life fund. Applications may be made by mall or through the city or county autnonues Is aijr banks which are state depoiltoiies, com- j ,h mMiieni nxamln&tlons are to be under the supervision of, the state board of health, with a fee. The reserve may be withdrawn or taken as a loan to tho full limit of the amount credited to the policy, thoro being no forfeiture charge. Any savings In mor- rr1'- Inspection Ilnrrnu Ileport n Christy Klrei In Cleveland. The Cleveland Inspection bureau has lssuod a report on the recent fire In . trtlltv will bo refunded as dividends If tho wholesale grocery of II. C. Christy j je,irPa, beginning with DO per cent the & Co., stating the conditions and draw- , yfar a,l(1 wm, 5 per cent additional BOOST TOR OMAJCA T Columbia Fir Underwriters Or O&tAJCA l..o Offices XcWro TMrd rioor Ksrokantt Xatioaal Baak BnllalBjr. yiione Douglas 481. ,, 0. O. Talmaff, xanarsr. X. 8. fceaas, Assistant Xaaafsr. Because of the Growing Business of the Lion Bonding & Surety Co. OP OMAHA It Has Moved to New Quarters on the Ninth Floor of the W. 0. W. Building, Where Its Friends and Patrons Are' Cordially Invited to Call. Ing the underwriting lessons. Tho build ing was seven stories high, of large area. with the steel and cast Iron members non-fireproof and had open Btalrwaya and elevator shafts. Tho fire spread rapidly to all the floors through the un protected vertical openings, and aa much of tho contents waa highly combustible, the stc-el and Iron supports soon buckled, the building collapsing with a practically total loss. each year until the nintn year, oiier which per cent will bo returned. The balance of the earnings are retained aa a surplus to meet unforsoen contin gencies. In spite of these economted the rates aro not aa much lower than the ordinary rates as might be expected, the differ ence at age 20 being le" than $1 011 the ordinary life policy. The plan has oeen I ... , V T.n n n - & Pnm. 1 carefully worKea uui uj -- Don't drive your auto mobile nround the block without a Liability Policy. It may not be your fault if you run down a pedes trian or smash into anoth er car, however, tho jury is almost certain to believe it is and you are almost certain of being sued. You had better sell your car if you think you can not afford our policy. National Fidelity & Casually Co. Xatl Fidelity Casualty Bldg. Sdwln T. Swobs, Tic Pres. J. H. Mithen Go. INO. 921-4 CITY NAT'L BANK BLDG. Surety Bonds Employers Liability Automobile Liability Burglary Plate Glass INSURANCE J F Foster Joseph Barker The bureau says that tho fire resist- ...,.. irkern and his actuaries, and ..... . . . i . i- 1. . .1 1 . " -- . Is the result of the controversy wjin mo life Insuranco companies In which Mr. Kkern became engaged while in me iesi-lature. ance was little better than if tho build Ing had been of light frame construc tion. Tho bureau holds that buildings of this height and area, witn unpro tected steel or Iron supports, unprotected vortical openings and combustible con tents should not bo permitted under any building ordinance or code. Buildings of this height and, area, even If or stanaara construction, should be sprlnklered. Con servative underwriting Judgment should be used In not writing Insuranco on such risks. The Insurance loss was $117,000 of build ing and fixtures, all In stock companies. The contents loss was J2SO,00O. of which $1S1.CM waa In tho Individual Under writers of New York, in 1 ino Wholesale Grocers Reciprocal Exchange of St. Louts and S30.000 In mutuais anu miscellaneous concerns. Insurance Personals Josenh Barker Is In New York City at tending tho annual meeting of resident agents and general managers or tne u-i-dellty and Casualty company, for which (in firm. Foster-Darker company, are stnto agents. E. B. Townsend, hydraulic Bnd elec trical engineer for tho Western "Union In surance association, was In Omaha last week, looking Into tho condition of the wnter works. Foster-Barker Company Fire, Liability, Automobile, Burglary, Tornado, Accident, Plate Glass, Bonds, Etc. Under the auspices of the Young Men's Christian ns oclatlon. Charles F. Junnd recently delivered a forceful address bo- ItJiforo tho students of Boyles' college, tak- "A vision 01 xour amelioration of mankind, but higher, ing for his subject, siunaaran can oe reacnea in tne employ-1 n,,Bin.. ment of agents and In tho methods usedi"" " In field work, and Whereas, The business calls for the highest type of manhood, and salesman ship In field work, and Whereas, There are agents In certain localities who Indulge In practices which detract from the high Ideals of life In surance, and Whereas, The public is usually culpable with the Irresponsible agent from a moral and legal standpoint In soliciting rebates as well as In not co-operating wjlh those agents who are exercising In tegrity and efficiency In their endeavor to render bette. service, and. Whereas, There are unlimited oppor tunities for standardising the business by adopting new and scientific methods, and Ileturnlng from a short trip through Missouri, Nat Melster, membor of ,th Hastings & Heyden Insurance agency, re ports that In Kansas City there are fewer licensed fire Insurance agents than there are In Omaha, a striking contrast In view of the relative sixes of the two cities. FORMER NEUHASKAN DEAD, Passing df Amos J. Hardin, Noted Insurance Manager. Ames J. Harding, western manager of tho Springfield Fire and Marine Insurance company, died last week at his home In Evanston after an illness of eighteen months. Mr. Harding was born near Gallon, O.. May i. 18J, and entered the fire Insurance business as a local agent nt Nebraska City, Neb., In 1858. He entered the army In 1SC1 and wan mustered out nt the close of the civil war as a captain. He returned to Nebraska and resumed his local agency soon afterward going Into the field for tho Home Insurance company o New York. In 1871 Mr. Harding was appointed spe cial agent and adjuster for the Phoenix company of Brooklyn for a number Of western states and In 1870 organlied the western department ofv the Springfield company. Ho Is survived by his widow and four children, Mrs. It. Forrest Itussell of New York, Lucien Harding of Chicago and John C. and Dwlght S. Hard lr.g of Evanston. The death of Mr. Harding removes from the field of western underwriting tho man who, becauso of age, character, experi ence and length of service, was generally regarded as tho dean of tho senior states men of the business. Mr. Harding war ono of the few surviving charter mem bers of tho Western Union and Its oldest living ex-president Ills advice was always sought on underwriting questions of Importance, and he was the last sur vivor of the notable body of strong men who directed and developed the western situation a quarter of a century ago. Brandeis Bldg. Phone Doug. 29 William B. Joyce, president of the Na tional Surety company of New York. visited In Omaha last week and waa en- months ago. tertalned by prominent local insurance is involved Insurance Notes. The Kansas City Board of Education has voted to allow the present insurance policies to expire and to us the premiums to establish an Insurance fund. The Citizens of Baltimore has taken over from tho Sovereign Fire the busl- ness or tho mnunn mre ox me iminci of Columbia, reinsured by it several ADOUl w,vw in premiums men. Mr. Joyco hinted at the possible Whereas, The business of life Insurance reinsurance of a large Kansas City necas mo. oervice 01 ana oners untoia . .llr4v mnanv shortly. opportunities for young men of high ' ' ' Insurance Publicity I) Omahn iV probably the first city in tho United States to act upon tho resolutions recently adopted by tho National Association of Lifo Underwriters at tho annual convention held in Memphis, Tonn., recom mending a general advorfisingcampiiign in tho daily nqwspapers. This is in accord with tho general trend of opiuion expressed by other insuranco interests, nnd will probably result in a sweeping movement to edu cate the public to tho value of the insurance contract. Therefore The Bee has opportunely arranged to enter into this campaign of education and each week there will bo published in this paper a page devoted to insuranco. ethical standards and ability, and , Whereas, Business or corporation life insurance has become well established and the amount, of life Insurance written by the ataodar1 companies Is only about 16 per cent of tho amount that could be written, an-l Whereas. This association has repeat edly reltorated its stand as unalterably opposed to rebates, twisting of policies, and agents and given wide publtolty to the fact that any agent Is not worthy the confidence of the business public, nor ethically fit to be considered a rep resentatlvo life Insurance agent, who In dulges in any or these practices or who preys In any. way upon a competitor and does not secure his business of self Inaugurated plans of work: therefore be It Resolved. That the president of this ' association appoint a committee of five with power to confer with like committees of any other Insurance bodies to devls .ways and means for greater publicity In ' lire Insurance, for some nonpartlran cam- pnlfn of advertising and conservation nnd for a concerted movement to .In augurate a campaign of education through Ic-turte or addieies una tnrougn a more general adoption of educational op portunities for the younger generation. Kejolved. That the adoption of this resolution carry with It the power to act on any plan approved by the execu tive council of this association whethsr In conjunction with such other bodies ot an Independent movoinont Inaugurated by i this association. Sir. Illnokliurii Gives Welcome, T. W. Blackburn, secretary and coun sel for the American Ufe convention, was a notable visitor at the convention and was. Instructed by President Bishop and greeted with long continued applause In responding he said: I represent the American Life conven tion which, as you know. Is an organiza tion of tho younger companies of the western, southern and central states eighty-six In the organisation. I am here All the flro insuranco companies writing over J1W.W0 tn Uliicago premiums nave now reported their receipts To VT. A. Tonson, President. vTm. Wilcox, Vies Vrasidsnt. B. L. Baldwin & Co. CrSOTB&AX, XK8TJXAV0H ' BEST EQUIPPED AQEITCT TO CABS roa Tour Insurance Interests. Representing only STSOJTO 0X IilKE INS US ANCE COMPANIES. . Phone D 371. . B09-B10 Plrat National Bank Bldf. WHEELER & WELPTON CO. RELIABLE INSURANCE OF ALL KINDS. 1511 Dodge St. Phone Doug. 186 MARTIN BROS. & CO. GENERAL IIMSilJi ANCE BARKER BLK. TEL. DOUG. 735 id Byron . Hasting. Edward T. Heyden. Hat Melster. Hastings & Heyden Insurance Agency GENERAL INSURANCE In Old Line Companies. 1014 Harney Street. Wo Adjust liOsscs. Tel. Douglas 1000. 1m a for Sorety Bonds and Xnsuranoe. "When Ton Think of Think of Byrne." Bonds, 'or the last luteal year to tho city for taxation. The T, -.ill u.J. 119 tut Vi 4 l.J ) (II mill icnui " l ui . " . W. C. Potter, secretarr of the Pro- i Liverpool and London and Qlobo made a . . .,,, v-w vnru notable gain or over J&o.iwo. passing uie ferred Accident company or Now lorx. jojy mark, was anotner prominent vwnor m uiuuim 'Xot Byrne Fay Tour &oss." Byrne Bsfor Ton Burn." "Talk With. during the week. Franklin Mann, member of the local Insurance firm of Mann & Junod, ac cepted an Invitation to speak at an agency meeting of the Northwestern Mu tual Life Insurance company at Cedar Rapid, held recently. George T. Blanford, general asent for the Mutual Benefit Life Insurance com- Tha federal government carries no In iiirnnm on its nrooertlss and therefore J suffered a total lot of about fl.000,000 by the destruction of the main store house at Ueniula arsenal In California. Tho fire la attributed to spontaneous combustion produced by chemical disintegration in nltro powder. At the annual meeting of tho Iowa State Fire Prevention association, held In Dcs Moines, very encouraging reports were made on the work done and tho re sults secured daring tho last year, and the followlngoft leers were elected: Presl- .ii.nr v v v i iiMinui.r ii.nnnn i n. pany, ibii owunmj mr u i ucrwriters: vice president, u. v. couci. attend an agency meeting of his com pany. Homo of Now York: secretary and treas urer, W H. Harrison. Commercial Union. HARRY S. BYRNE ' SOB-3 Olty national Bank Bldr Phone D 1930. INSURANCE In all its branches at Webstar, Howard & Go, Phone Douglas 970. 326 Bee Bldg. ' K. rv fiuthrle. mavor of Mattoon. III.. Clarence Anderson, general agent oHng. the Germanla Ufe Insurance company 1 11CB, he has adopted a number of Im . xr.v.fe.. . .,,1 Smith iViVntn at. . nroved fire prevention methods In con- tended tho annual convention of the Na- I f kX$& g nontll AMUCIKUUII Ul Uliunmivcia iivim T nUCi in Kid IUi IVW liiuilllia tHW ivmiiu w In MomDhls Tenn.. recently. var 200 defective chimneys alone. A no- m in aiompms. ienn., recently. tCa of tWj , ge)t to property -5 a . , , ; ",.,,. , vv owner, and Is follow ed up by a second In- N Several favored friends of Frank epjjon, in addition, the mayor sends a Haskell have received ducks shipped from list of all the defects found to the lnsur- f j ,-j.. nt i wi.i, ,..-it... . .-,, t ance agents, asking them If they hawe a tA uujr, ... .v - "'policy on the risk to assist him in follow- $5 Omaha men, Including Mr. Haskell, have ne tt up ana securing Improvement. Q been shooting for several days. I 71 Illinois appellate court has given a V decision of great Importance to the state M Judge James Nichols, president of the fire manjhaT- department aflrmlnjc W National Flro Insurance company of ic0rlJa county In the Six and Darr cases, p. Hartford, and Fred a James, general tftx and Darr were convicted and sen- N wmsmmmmmmmmmmmammmmnti s v I ajm6 xotpb op roatTBAHtna. JSji) lCrBieh-BBldrie&Co.! It la ICOHBY In your pocket to place Insurance with the agency that looks after Tonr Interests when you meet with a loss. We do this and have for twen ty years. Our policies are best let us convince you. A telephone call will bring a representative. J, SC. Baldrlge John W. Xaddes r. A. Orelgn. western agent of the same company were 1"$"- &C02O5OiDJC guests 01 Arcn.o ixivo iiui burning ol tne Aioina notei in rcono. Nichols Is 82 years old and, an ardent The ease was strongly contested, as was golf player. While .n Omaha he com, "TSkrt? .UennenTng the pleted the Country club course In 3 above powers ot the department. Six and Darr iinin- whrra'a Dr Osier' I were also convicted on another charge of nog, wneres ur. usier. . .f-n,,,. ami ..ntMced to the lor an inucicnniuHic vvrt.H INSURANCE FJRK TOItNADO AUTOMOlMIiK PliATH GLASS BOILKIi BUKOIiAItY HEAlm and ACCIOKNT ALFREDG, KENNEDY H00 First Nat'l Bank TOtlg. Telephone) Dougla 722. 1 " . irnilo.ii An Advertisement In The Bea Is worth hlch case they have appealed to the one in all the rest. supreme court, THIS SPACE RESERVED FOR TOM !S. KELLY TRAVELERS INS. 00. A. J. X.OYE, PresldenU PHAHX J. HAHXHtXi. Sacretary. Love-Haskell Company 314-324 Omaha National Dank Bldg. EVERY KNOWN KIND OF INSURANCE PATRONIZE II O VIE INSTITUTIONS Xlie Stale Insurance Company ol Nebraska Capital, 9200,000 A. J, XXJTS, PxesldsnU The German Eire Insurance A. J. Z.OTB, eeasral Kaaager. WK X. AJOtaJraON, Iscrstary. Co. of Nebraska T-frT I I T 1 1I U 1 1 1 1 T 1 1 1'fWtH"! TUT t "H-H -rll-r T-M WWW I Are You in Debt? 4 in there & mortgage on your home? A man killed himself lu Omaha and tho relatives could think of no cause for worry except T the mortgage on the home. Did he have life Insurance to protect X the home property from foreclosure 'proceedings? What will hap- 4j pen if he did not? X Kvcry man owes a duty to wife and chtldren to protect them 4 by life Insurance and the best way of doing so Is by taking out a liberal, up-to-date policy in i I The Bankers Reserve Life Company J of Omaha that Btrong, prosperous company which la doing more business than ever before In Its history. These figures attest its great strength: 4. Accumulated Assets $3,688,843.00. T Capital and Surplus J760.000.00. X Buslpess in Force $30,000,000.00. g You are advised to inquire into the reasons for tho success nt tblB great institution. -o Home Office, Harney and Sixteenth Streets, Omaha. GXXERAL AGSNT r J-6 6 a aaMM-l-M"l'Hri4MW f?