THE BEE: OMAHA, MONDAY, NOVEMBER 4, 1912.
THE
FBUDEttTIAI.
ixtjubahcb
co. or
AMXBXCA
neorporated as
a stocn com-
puny by the
State of New
Jersey.
Homo Office
Newark, N. J.
M. Bruv .trpcattT, Uiunr for
Bebraska and South Dakota,
i i I tr -i tor Infomwtlon ibout or -
iuI All OaartntrM lv-w TUt rolleltt, Orrr
Te nnien Dotlirt Inturtnct In foret fkml
t" Ion ciwti for m-rrMIc rrpfnUtlT.
819-82 City rTaUonal Bank Bldff
Omaha, Web. Tel. 1S7S.
ABSOLUTE SECURITY
he rqullaMe elves absolute security to Ita policy-holders arid beneficiaries.
Its Five Hundred Millions of Aaaeta guarantee the fulfillment of every
' lis.it. on promptly and In full. The removal of all uncertainty la para
cunt to wvery other conalderatlon In a life Insurance transaction, -which
may rr.ver a period of half a century or more.
I KQI ITAItr.E LIFE ASSURANCE SOCIETY of the UNITED BTATBS
. I). NKKLY & CO., Manager, 104 Ncrchnnts Nat'l Bank Bldjf.
r. 3. NEEIiY. SOS xxBrtr. X. X. riOKABB.
MANY MEN
are In hot water nbout their
Insurance because they chose
now or untrlej concerns. A
policy In the New England
Mutual will give you Increased
satisfaction.
G. W. NOBLE,
Cteaeral Aran.
CKAXZ.ES X.. XOFFES,
Special Agsnt.
3. 0. XXTCXBtAB, Spsoial Agsnt.
orncxsi
96-643 Brandtls B14r, Omaha.
Blnos I860.
"OOKX
GERMANIA
With AHDEBEOW
Policies Issued by the Qermanla Life Insurance Company of New
York are standard at the lowest cost. They are satisfaction to the owner
and the agent. (30 Dee Building.
"STATE MUTUAL"
OF WORCESTER, MASS.
IKE IF THE OUEST-fil YEARS
and Best Companies on
Earth.
W. H. INDOE
General Agent
660 Boo Building, OMAHA
BEFORE BUYING SEE
METROPOLITAN LIFE INSURANCE CO.
Lew Pramlum CcntrMta
W. L. KILLY, Supt. 337 Omaha Natl Bit BMf.
Provident Life & Trust Company
5831 Bee Building
low rrer&luais. tax BivlatRde. Slowest Ket Cott of rroteeiioft.
. Write Va tot Our Xodtra giasaard Uf.
A. O. KOXXMAW, RpeeUl Agent. O. A. BTKS, SeeUl Area.
XX your risk Is VxarBXJiXD yon eaa hay
S7.SOO ... $18,000
In THE PREFERRED ol IM. V.
for the same premium that you now pay for a 90,000 1006 la other
companies.
LYNNG D. UPKAM, Manager and Adjuster
1317-18 City BaUoaal sank BaU&iaff.
boost rox OXAKA
Th Columbia Fir Underwriters
or OMASA
Xome Offices Bntlre Third rioor Merchants STatloaal Bank B sliding.
Shone Sonirlaa 431,
O. O. Talmage, Uanag-er. X. B. lease, Assists Manager.
Advertise Your
Insurance Busi
ness in The Bee
wiWiasiai.aa s m aaa yVr(f(fJ1AfLn
The insurance page which
is being published in The
Bee each week is attracting
the attention both of the gen
eral public and the insurance
fraternity.
No better place to ad
vertise your insurance pol
icies than here.
THIS IPAOX
TOJVI S.
GENERAL AGENT
Northwestern Mutual Ufa
Insurance Company
OF MILWAUKEE
MANN & JUNOD
General A Rents
53B-544 Brnniltl Building,
OMAHA
THK
Union Central Life Ins, Co.
or
CINCINNATI, OHIO
HARRY O. STEEL
general Agsnt.
311-313 Xanur BMjr. Than aiM
Oar 90 rajTBUat X4fe
Age 3S
tint Tear
Second Tear
MM
Ho
Other CornPaay Caa Xaten
These Sate.
TO TXD
Assets a!jooo.
1848. m " J
oxaAimxs ms.
The Mutual Benefit Lid
Insurance Company
of 1
nwAxx, rxw jxbsxv A
GEO. T. BLANDFORD,
Oe&ersl Agsnt. A
41B-18 City Vattoaal Bank Bide. I
Omaha, Sabraska, 9
RXSXRVID YO
KELLY
TRAVELERS INS. 00.
Notes from the Insurance Field
NEBRASKA LIFE MEN MEET
First Sinner of the Association for
Fall Season.
BANKERS GET SOME NOTICE
T. W. Ulankbnrn Arouaea Ritttiuln!ii
Warn He Telia What the
Banker OtiRht to U for
Inaarance,
Thirty members of the 1-lfe tnder-lblll
writers' Association of Nebraska sat ;
down to a banquet at the l'axton hotel
Saturday evening-, the feast marking the
first regular fall meeting ot the associa
tion. C. Z. Ootild presided over the regular
order of business after which several In- i
terestlng speeches were made. C. N.
Anderson, secretary of the association,
rend an acoount of the national life con
vention, held at Memphis In October, ho
being the only Nebraska member.
The principal speaker ot tho evening
was Thomas W. Blackburn, secretary of
the American Life convention, an or
ganisation composed of clghty-slx younger
life Insurance companies of the country.
Illnekburn on tho Hankers.
Mr. 11 lack bum said that the American
Life convention haa a total volume of
business of over $1,000 OOT.frXi that It
i tan da ready to co-operate with all other
life insurance organizations for beneficial
legislation. He aroused the enthusiasm
of all present by a plea for greater con
sideration of the Insurance) men by the
tanker. On this point Mr. Blackburn
aid:
Vou mhtlamen ousht to walk Into the
banks with your noses In the air Instead
of crawling up to the discount window
with humility, begging the banker to dis
count notes for first premiums. Every
time you write a policy you are pro
viding Indemnity against loss to the
iker. You are enriching the community
In which tho banker resides and you are
helping every business man In that com
munity to pay safe, not only against the
emergency of death, but against the pos
sibility of Danlo and business depression.
The banks of America In 1907 would have
suffered a losa of millions had not the
reserves of life insurance companies bal
lasted tha ship through that sudden
squall, Tha business men of America
would have been In despair during that
bankers' spasm had not loan values and
surrenders backed them against their own
bankers and protected them from disas
ters at a time when the banker -was
paralysed with fear and refused to per
form his contract with his own deposit
ors. Ought to He Welcome.
If I were a banker, the most welcome
visitor to my town and my bank would
be the life Insurance solicitor. I should
help him with every prospect possible
would cheerfully gtvo him all tho In
formation In my possession, which could
help him in writing life Insurance among
my customers. I wonld do It for selfish
reasons and would be ashamed to ask
him to dtvlds commissions or aooept an
extortionate discount on his paper. Thn
banksr who doss not realise the Im
portance to Ma customers of life In
surance needs either a tutor or a spank
Ing. for no other business man In any
community, realises so much from the
successful activity of the solicitor, or
the development ana growth of the local
com winy,
Bankers weary me when they manifest
S",.'n ZXrJZl, L".Z
desk of every bank ought to contain
these words, irWe love our regular cue-1
tomors, nut oh you urn insurance men."
V. VT. Heron spoke briefly on tho sub.
flt of "Needed Legislation." He dwelt
on the necessity of an Insurance code In
Nebraska, claiming" this to be the first
t)tceshW,tyi'3he .matter ot legislation.
Fear 'nrw member were unanimously
accepted Into the association. C. E. Vesy
of the Travelers' Insurance company;
A. c. Mohrman, special agent. Provident
Life and Trust company, J. A. aieoson,
general agent, Equitable Life Insurance
company of Iowa, and William Wilson,
state manager of the Travelers', were
the members voted in.
Insurance Personals
11 H. Lulkart haa been appointed gen
eral agent for Nebraska for the South
western Surety Insurance company of
Denlson, Tex., for that company's cas
ualty lines.
Joseph Barker returned from New York
City last Thursday,
Charles W. Martin of the Martin Bros.'
company was In Denver last week.
John Steel, with the Union Central Lire
Insurance company, who has been In the
Insurance business for thirty-five years.
has just returned to Omaha after two
months' absence In Idaho, where he has
been harvesting the largest fruit crop
that any one Individual has ever raised
In Idaho.
Fred L. Q ray. general manager of the
London Ouarantee and Accident com
pany, was In the city Thursday con
ferring with his agents on matters per
taining to tha proposed workmen's com
pensation bill which Is being prepared
for the next legislature. Mr. Onvy talked
on this subject at a meeting or the
Omaha Manufacturers' association held
at the Commercial club, and together
with Quy H. Cramer of Omaha answered
many questions propounded by members
present.
A. J. Love, member of the Love-Haskell
Insurance firm, was In Chicago last
week.
J. C. Hltchman, who haa bn managing
a large sugar plantation In Mexico, has
returned to Omaha to live and haa be
come Identified with O, W. Noble In the
agency of the New Engtand Mutual Lite
Insurance company.
.
J, W, Copeland ot Dayton, O.. pur.
.rhased a bottle ot Chamberlain's Cough
liemedy for hi boy, who had a cold, and
before the bottle was all used the boy's
cold waa gone. Is that not better than to
pay a five-dollar doctor's bill? For sale
by all dealers. Advertisement.
The Persistent and Judicious Use of
Newspaper Advertising Is tho Road to
Business Success,
A. J. X.OTX, rrealdsat. rBAWX J. XABXSXX Seexetary.
Love-Haskell Company
314-324 Omaha National Bank Bldg.
EVERY KNOWN KIND OF INSURANCE
PATRONIZE HO vlE INSTITUTIONS
The State Insurance Company of Nebraska
. . Capital, 8200,000
A. J. ITB rreeldeat. WaC SC. AXBLUTIOB, S Mrs Vary
Xiie German Fire Insurance Co. of Nebrask;
A. J, ZiGVB, CUneral Vaaager.
Workmen's Compensation
The commission which has been work
Ins on a workmen's compensation 1ft"
for Nebraska, to be considered at the
next session of the legislature. Is about
ready to submit Its report to Governor
Aldrlch. Copies have been submitted to
Inspection for suggestions for modlfl
cation.
In the main, the draft of Nebraska's
as prepared to date, follows pretty
closely the compensation act of tho state
of Wlrconsln, which went Into effect
a little over a year ago. In Wisconsin,
the law Is "elective," meaning that em
ployers may elect its to whether or not
they will be governed by the compensa-
tton taw, which requires them to pay
benefits far all Industrial accidents re
sulting In disability or death, regardless
of tha cause of the accident. Should
employers not "elect" to come under th
provisions of the compensation act, they
aro denied tha right to set forth "as
sumption of risk" or the negligence ot a
fellow servant as a defense.
The proposed Nebraska law, as dVattod,
Is "compulsory" In form, applying to
employers ot every description. Includ
ing farming operations and employers ot
domestic servants. Assumption ot risk
and the fellow servant doctrlno are also
abolished as a defense In Nebraska, If
the proposed law becomes effective.
Out of the fifteen states which have
already adopted workmen's compensation
laws, In only tyo states Nevada and
Washington Is the plan compulsory upon
tha employer. In tho other thirteen
states It Is elective.
A comparison of the draft of the bill
for Nebraska with the laws ot other
stntes discloses the fact that Nebraska's
boneflts for Injured employes, with one
or two exceptions, are higher than those
contained In the laws of other states.
Actuaries of two of the leading lia
The Inevitable
"For men may come and men may go,
But I go on forever."
The lines of Tennyson may be para
phrased In this way:
Elections may come and elections may go,
But tho globe spins on forever.
The groat forces of nature are im
mutable, while mankind is hero today
and thero tomorrow. Some men say that
If their candidate is elected president he
will usher In the political millennium;
others say that if the said candidate be
elected the country will go to the dem
nltlon bow-wows. But whoever may bo
elected the world is sure to continue to
rotate, bringing to mankind tho suc
cession of seasons, tha fat years and the
lean years. It - is a mistake to impute
to the functions of government much In
fluence upon the varying degrees of ma
terial prosperity.
Whatever may befall, we may be sure
of one inevitable fact, to-wlt: That tho
people this year have plenty of money
and can buy life insurance Irrespective
of the man chosen to reside in the
White House; that the people must have
the protection afforded by life Insurance,
which Is one of the most beneficent gifts
of man. to mankind. It Is as essential to
the welfare of the family aa are the
products of tho soil. It helps to bridge
the Chasm ot Death and to assuage tho
anguish ot those who may be left alone
to battle for the means ot existence.
B. 11. R.
Fire Prevention
Association Meets
At the regular weekly luncheon of the
Nebraska State Fire Prevention asso
ciation held at the Henshaw hotel last
Monday, an Interesting paper entitled
"Electrical Inspections?' was read by E.
S. Freeman, newly elected president of
the association. The paper dealt with
some of the details of electrical con
struction with a view to preventUjn ot
fires caused" by defects. This was the
first of a series of papers to be react
at these luncheons for educational pur
poses, and was well received by the
score or more of members present. W.
S. Harding of Nebraska City, Is the new
vice president of the Nebraska State
Fire Prevention association, succeeding
A. J. Love, and F. M. Pond of Omaha,
t re-elected secretary and treasurer.
The new executive committee Is com
posed of the following: E. D. Marr,
chairman; J. P. Dale. C. D. Multen. 8.
J. Alexander and L. C. Storey
MANY ACCIDENT CLAIMS
DUE TO AUTO MISHAPS
Because of tho many auto accidents
that have occurred in Omaha In the laat
week or two a great number of claims
are rolling into local Insurance offices,
both on accident policies carried by the
injured and upon liability Insurance
covering tho drivers.
This frequent occurrence or .serious
automobile and street car accidents Is
causing Insurance men much concern and
will probably caure a ralso in accident
rates to cover losses through automobile
Injuries.
FHlrflrld pioneer tlrops Denel.
FAIRFIELD. Neb., Nov. S.-(Bpeclal.)-
T. W. Klrkpatrtck. an early settler of
Clay county and for several years a resi
dent of Fairfield, died suddenly Friday at
his home In this city. Deceased waa T5
years of age, an old soldier, a member ot
the Christian church and a highly re
spected citizen. He had Just returned
from the postofflce with the morning
mall and was reading a letter to his wife
when taken with a alnklng spell and by
tho time the doctor reached the house
he was dead.
bility Insurance companies to whom the
draft has been submitted ngrce that tho
cost ot Insurance under the Nebraska act
would be considerably higher than In
other Rtatei where the benefits are lower.
Hased on their estimate, the following
tablo shows approximately the differ
tnee In cost of Insurance, to cover tnc
employers' liability hazard under the
present Nebraska laws, and the work
men's compensation hazaid as proposed
by the m a law. In each column trie
figures given represent the rote per S100
of payroll expenditure:
i 1'resent man- Estimated
ual rates rates un
In Neb. der proposed
for employ- workmens'
era' na- compena
blllty.
tton law.
Drug manufacturers. . ,42
Makers 42
Wagon and carriage
manufacturers 40
Tlallroad car mfgs... .40
Carpentry work , 2.20
Structural Iron con
struction 7.60
Masonry work..., 3.(0
Fainting 1.S0
wreckers, building or
bridge 9.00
Electric light and
power companies.... 3.75
Telephone and tele
graph companies,... 3.00
Harness and saddle
manufacturers 25
Shoe and boot mfgs., .S3
Box mfgs., no ma
chinery 42
Box mfgs., steam..... 1.25
Planing mills 1.00
Packing houses 1.15
Boilermakers 1.50
iron foundry 1.00
Machine shops., 60
Flour mills 90
Mining, clay 2.00
Breweries 40
Awning & tent mfgs .71
Canning work 75
Cleaners and dyers... .50
Coal dealers 1.00
Florists 25
Gas works,, 75
$ 1.71
1.75
2.10
6.30 I
4.55
3.501
4.W
3.83
2.S0
2.80
8.40
3.15
2.80
2.45
2.80
3.50
1.75
3.50
Gasoline
So many articles have been written
on tho subject of gasoline hazard that it
would appear that further discourse on
the subject were unnecessary.
Qasollno devices are being continually
put on the market which are supposed
to be fool proof, but it does seem that
the fool killer gets in his work Just the
some. Judging by the accounts of acci
dents which appear dally in pur news
papers, and that either people In general
have not been sufficiently Instructed as
to the dangers which exist in connection
with the use of gasoline, or are crim
inally careloss as to Its use. There aro
so many new hazards developing and so
many old hazards coming under the
hands of persons who aro Ignorant ot
them that the wonder is thero aro not
more fires.
A curious fire in connection with gaso
line occurred recently. In a fireproof
garago building, In which there was no
artificial fire of any kind, it became
necessary to empty out the gasoline sup
ply tank, and a team of horses drawing
a gasollno tank, wagon was drivon into
the building over the concrete floor.
During the process of emptying the tank
one of tho horses, In stamping on the
concrete flooring, struck a spark from
its shoe. The room being filled with
gasoline vapor, immediately became a
roaring furnace, causing a most dis
astrous fire.
llecently a woman undertook to clean
a silk waist by submerging it In gasoline
In a washbowl, Bhe wont away for ten
minutes to give it time to "soak," after
closing the door. When she returned,
she rubbed the silk briskly between her
hands to rub out the stains. The fric
tion of the silk gensratod a spark of
electricity and an explosion killed the'
woman and burned the house. A news
paper, discussing the facts with owlish
wisdom after they were demonstrated,
says: "If the woman had known that
gasoline evaporates rapidly, that tho gas
It makes is seven times more dangerous
thun gunpowder, that a single spark
would cause a terrible explosion and that
one may generate an electric spark by
rubbing silk cloth If the woman had
known all this there would have been
no fire In the house and she would
probably be alive today, and there la no
reason why people should not know these
ordinary facta of life."
It is probable that nine out of ten per
sons do know that gasoline Is very
dangerous and do exercise reasonable,
intelligent care In handling it; but nine
out of ten do not know the details of its
danger, and probably not one In five
hundred , would know that It would be
posslblo under the circumstances to gen
erate that fatal spark of electricity, as
It waa generated in this case.
Qasollno Is doubly as dangerous as
poisons, because it endangers property as
well as life, and Is as Insidious In Its
workings as the most subtle poison. Yet
it can be bought and sold Indiscrimi
nately, with practically little attention
to proper warnings of Its danger, while
poisons cannot be sold in dangerous
quantities without registration or warn
ing. It might be a good thing to require
a danger label to be pasted on every
package of gasoline sold, containing slm
nlo Instructions as to Its safe handling
and warning ot tho danger ot Its carelesj
use. FRANK T. B. MARTIN.
Insurance Notes.
A. F, Dean has been appointed general
manager at Chicago of the Springfield
Fire and Marino, tho position made va
cant by the death of A. J. Harding, Mr.
Dean haa been assistant to the deceased
manager for twenty-seven years.
IL 8. Waterman has resigned as special
agent ot the Prussian National to take
the Agricultural In Missouri. Kansas and
Oklahoma, with headquarters at Kansas
City.
The American Bankera' Sacurlty com
pany of Indianapolis has merged with
tho Bankers' Casualty company of Wis
consln under the uama of the former, the
off ices continuing at Indianapolis.
1.C3
4.W
5.25
14.00 I
8.40 I
6.30 1
iio 2
VrflFiDcimrc Jwr
! worry that kills.
Burglars can break in
and steal regardless of
how secure a house is
locked.
Our Burglary, Tlief t and
Larceny Policy is worth
more to you than the pre
mium paid.
You can put out a fire
burglars go out when you
don't know it.
National Fldclllv & Casually Co.
Bo.fl ridellty b Casualty Bldg.
Xdwla T. Bwobe, Vice Prs.
Jay D. Foster
It is I
14.00 Lggggggggg
Foster-Barker Company
I
Fire,
Liability,
Automobile,
Burglary,
Brandeis Bldg,
W. A. Toasoa, rrtsldsnt.
Vb, Zj. Wilcox, vioa President.
B. L. Baldwin & Co.
QEITSBAX, XVSUSAWCS
BSST SQUXTPSS AOSHOT TO
GAfiJS rOB
Tour Xnsnraace Interests.
Representing only
8TBOBQ OX.S I. IKE XHStTS
A3XOS COIZPABXSS.
Phoae S 371.
S09-510 First National Bank Bid.
MARTIN EROS. & CO.
GENEKAL INSURANCE
BARKER BLK. TEL. DOUG. 735
Byron B. K as tings.
Edward
Hastings 8c Heyden Insurance Agency
GENERAL INSURANCE
In Old Iilno Companies. Wo Adjust Losses.
1014 Ilarnof Street. Tel. Douglas 1000.
Greigh-Baldrige&Co.
It is KOKST in your pocket to
place insurance with the agency
that looks after Tour interests
when you meet with a loss.
We do this and have for twen
ty years. Our policies ate best
let us convince you. A telephone
call will bring a representative.
U. Baldrige John W. Madden
Z. A. Orelgh.
Say, Mister Mai!
If you are married you took a
vow at the altar to cherish and
protect your wife. Do you know
that the man wh'o used the word
protect In framing up that vow
had special and direct reference
to life Insurance?
Well, he did!
You cannot fully protect
wife and children without
life insurance in a strong,
prosperous, conservative
company '
The Bankers Retenre Life
Corap ny of Om ha
B. II. ROBISOX, Pres.
Which is doing more busi
ness than ever before In Its
history.
Capital and Surplus
?750,00".00.
Accumulated assets
0, 588, 843.00.
Business in force,,
J30.000.000.00.
Policy Contracts Liberal and
Sound. 1
ueatn tiioims ram rrompuy.
Ask tor tho new literature o.
The Bankers Reserve
Life Company
Home Office
I uarney nnn mm bib., unuiw.
IT'
J. H. Mithen Co.
INC.
921-4 CITY NAT'L
BANK BLDG.
Surety Bonds
Employers Liability
Automobile Liability
Burglary
Plate Glass
NSURANCE
Joseph Barker
Tornado,
Accident,
Plate Glass,
Bonds, Etc.
aansessn
Phone Doug. 29
WHEELER &
WELPTON CO.
RELIABLE
INSURANCE
OP ALL KINDS.
1511 Dodge St. Phone Doug. 186
Heydea.
Nat Kelster.
INSURANCE
FIRE TORNADO
AUTOMOBILE
PLATE GLASS BOILER
BURGLARY IIEALTn
and ACCIDENT
ALFREDO. KENNEDY
200 First Nat'l Bank Bldg.
Telephone Douglas 723.
INSURANCE
In all ita branches
at
Webster, Howard & Go.
Phone Douglas 970.
326 Bee Bldg.
ALESMEN"
THE COMPANY'S METHOD
of doing business has a great
deal to do with tho success ot
your selling.
Wa take great pride In mak
ing fair nnd just settlements
and paying them promptly.
Such methods will assist you
to Increase your Income.
We write most liberal Acci
dent and Health policies.
We want reliable salesmen
for City and Country.
HELP US GET THE LION'S
SHARE.
LION BONDING
& SURETY CO.
Oth Floor W. O. "W. Bldg.
Omaha, Nebraska.
li