TlIE BEE: OMAHA, MONDAY, NOVEMBER 25, 1912.
s
TltB
FKtJDBWTIAIt
XWSURAttOB
co. or
AMERICA
nrorporatcl as
stock com
inr by the
tnt of New
Jersey
Home Office
Newark. N J-
. . enter, Manarer lot
2?ebriu.r. ana Sonth Dakota.
!! or wn e - mfornntlen atwit -mr t-
I1 All liuirnilwd Uw IUU PolM 0ej
Tiro Uullon Dollars lrt In frr Oood
jxt iUob opd fur rtle rfprwutttlfM.
S10-32 City national Bank Bldff,
j
BSOLUTE SECURITY
The Tlqullable (rlvc absolute security
lis Five Jlunarnl Minions or ajww k"- t.;:,;iMV. T iara
jbllcallon cromnllv and In full Tim lomovnl of nil uncertainty la para
nou t to evei? other roMlderallon In ii life Insurance transaction, which
mar rovef n. period of half n century or more. L.-Ma
1 UK KQUITABLK L1FH AKSl'HAXCH BOOKTY of the UNITE!) STATES
II. D. NLELY' A CO., Mnnnncrs, HM NereliniiU Nftt'l Bank
k. d. wezlt. job xrrm. x- mcxakd.
MANY MEN
are In hot water about their
Insurance because they chose
iifw or untried concerns. A
policy In the New England
Mutual frill give you Increased
satisfaction.
G. W. NOBLE.
Qtnsral Agtnt.
CKAKI.ES z,. xofpek,
Spclal Afant.
3. C. BXTCXKAS, Special Affant.
orriczai
Oe-C43 Brandels Blag-., Omaha.
Aaaeta
S49.0O0.O0O,
JOINT LIFE
The Joint life policy Issued by the (lormanla Ufa Insurance Company
la a winner, Husband ami wife Inaured under tho mo policy, At age 30
the additional rate on on thousand 20 payment llfo la only 113.80. Tho
wlfn should carry Insurance Hefore applying for your next policy, Just
write or CALL AHDEKSOH
and aak him to send you iin Illustration. Office, 430 lloo Uullulng Tele
phone Douglas 22CG, Omaha, Neb.
"STATE MUTUAL"
OF WORCESTER, MASS.
IKE IF THE SLIEST 8 S YEARS
and licit Companies on
Enrth.
W. H. INDOE
General Agent
6S3 Ileo Ilullding, OMAHA
Zf yomr rtik la rxxrSBBBB yon can. ony
i7,SOO ... SIS.OOO
In THE PREFERRED ol N. Y.
fcr tka hi tumiua'tsat yon sow say for a Sfl.000 110,900 In other
eoaapaalea.
LYNNE D. UP1IAM, Manager find Adjuster
1317-18 City national Bask B&Udlaff.
Prominent Omaha Insurance Men
f N
I '
''
X. X. Ivklkart, Vice rrttjdiut
fr"
The familiar faces
of Omaha's leading
insurance men will "
be shown in the,
above space from
time to time.
35.1,
TAXX
TO Ml KELmLmY
riU0 or CaryeraUsa
Tkaa Amy
XUMtTT WUUM JRI
Northwestern Mutual Life
insurance Company
OF MILWAUKEE
MANN & JUNOD
General Agents
r:18-541 Drntitlels riulldlnp,
OMAHA
(o It I'lcvTmn'Lry
THE
Union Central Life Ins. Co.
Of
CINCINNATI, OHIO
HARRY O. STEEL
Oeneral Agent.
311-313 Bamjrs Bid. Fuone 9193
Onr 80 Payment life '
Are 4B
rirat year .S4B.M
Second year $37.81
Ho Other Company Can Match
Tbeie Bates.
INSURANCE
Since 1800.
OBSAXTXXB 1848.
The Mutual Benefit Life
Insurance Company
of
mSWAXJC, XBW JEHBEY
GEO, T. BLANDFORD,
Ststral Arnt.
418-10 City national Bask Bids.
Osueha, Habxaska.
Hon XoallEg- and Surety Co.
T0
"THE
INSURANCE MAN"
Ufa Insurance at Xwr Ceat
Hkr Company
Beajriaa Ml.
Notes from the Insurance Field
i MEDICAL AID FOR EMPLOYES
Points of Difference in Workmen's'
Compensation Laws.
DOCTORS GET THE LONG END
Sonic Kimtern Stntee ftrnnlrr I'nr-
nlehlna; of llonpllnl Acroramodn
tlona, na AVrll na Jfedlcal
Atlcndnnee.
Among the various workmen's torn-
IK-nsatlon laws, onactod up to this time,
ihe greateat point of difference aeemii to
fjJet with reipect to the matter of medi
cal Attention. Ax medical aid 1m fur
nished by the employer In addition to
benefit for dUablllty or death, tho wide
range In the medical nld ecalo will make
a blR difference In, cost to cmployorn In
the varloua stales.
For Instance, the lawn of Masa-
chuietta and Rhode Island say that the
emplorr shall furnish reasonable hospi
tal and mrdlcnt ecrvlco to Injured em
ployed during the first two weeks follow
IDS tho Injury. MIchlKnn's statue rends
the same, except that It extends the time
limit to three weoks. New Jorsey em
ployers furnish medical attention for tho
first two weeks, limited In cost to 1100,
while California uses the samo flcuro of
10) as to tho monetary limit, but extends
the time to ninety dnys, Illinois makes
it elxht weeks, not exceeding $300. Ohio
merely says not to exceed $200. In Wis
consin, medical aid shall be furnished
for not more than ninety days, no limit
being placed upon the total cost. In
ArlronA, Kansas, Nevada, New Hamp
shire and New York medical aid Is only
furnished at the expense of the employer
In those cases where the employe dies,
leaving no dependents. In Maryland and
Washington medical aid Is not rtnionu
the benefits provided by tho compensa
tion laws.
Imnrrra and Ilootora Fnre Welt.
In Wisconsin, with its provision for
medical attention for ninety days, un
limited In .dollars and cents, It Is Inter
esting to note that reports show more
mono paid out for medical attendance
tho,n for all disability and death claims
combined.
Under employers' liability laws, experi
ence has shown that Injured employes re
ceive less actual cash than the lawyers
handling their cases for thorn. In Wis
consin' It now appears that the doctors
aro getting more than tho Injured em
ployes. This. Is one of the reasons for
the high cost of Insurance to employers
In that state, covering payment of work
men's compensation benefits as named
in the law.
At the present writing., approximately
tiut S per cent of Wisconsin employers
liavo elected to be governed by the com
pensation law. Could the medical aid
features of tbelr bill be somewhat more
restricted, that in Itself would cause a
material reduction in cost In tho em
ployer and undoubtedly more employers
would elect to pay compensation Instead
of to continue along under the employers'
liability law.
Controversy In Illinois.
In Illinois, paying the cost of medical
attendance for eight weeks, with a limit
of "quite? un argument has arisen
between "pKyslclans and employers or
their Insuranco companies. Ah they
Ktiaranteo to pay tho cost of such medical
aid as the employers may become liable
for, naturally the Insurance companies
wan 'to know In advance what the
rtoctors will chargo for their services In
given casos. Borne of tho medical
societies have taken tho matter up, sug
gesting to their members that they do
not sign the medical and surgical fee
schedules. It Is possible that the con
troversy may result In larger employers
and Insurance companies starting hospi
tals under their own management.
In any law of this kind, medical aid
tr a reasonable limit should bo furnished
nt the expense of the employer, but it
Fliould not be to such an extent ui to
become an object of strife, nor to such
an extent ns to work a hardship upon
tho employer,
MUTUAL, AGENTS MEET
TO DISCUSS BUSINESS
On Thursday an agency meeting of the
Mutual Iluncdt L4fo Insurance company
was held In Omaha, presided over by
Qcorgo T. Iltanford, general agent for
Nebraska.
Following the morning session, a lunch
eon was served tn the rathskeller of the
Ileiuhaw hotel, after which followed tho
Important part of the meotlng.
1,. I.. Hall, a local attorney; A, A.
Drew, superintendent of ugenclea of the
company, and' William Wlnton, assistant
superintendent of agencies, were the prin
cipal speakers, Mr, Hall related some
of his experiences aa a salesman' before
entering tho legal profession. Ho dwelt
on the Importance of a general knowledge
to the Insurance man.
The next speaker, Mr. Drew, generated
a great deal or enthusiasm among tlio
agents by his references to tho retroac
tive principle established by the company.
He said that stability, equity, and cost
was the order recognised by the Mutual
Benefit In the handling of Us business.
He urged the men to solicit business on
the theory of commutative selling und to
make a Ufa work of the Insurance busi
ness. Quoting statistics he showed that
moro money was spent armualy in this
country for Jewelry than for Ufa Insur
ance, to say nothing of tobacco or liquor.
The Implicit confidence that many peo
ple have tn Chamberlain's Collo. Cholera
and Dlarrhoae Remedy Is founded on
their experience In the use of that rem
edy and their knowlelge of the many
remarkable cures of colic, dlarrhoae arid
dysentery that It has effected. For sole
by all dealara.-Advertleement.
A. 3, 10TI, PrUat.
Love -
314-324 Omaha National Bank Bldg.
EVERY KNOWN ICINO OF INSURANCE
patronize: ho vie institutions
Tine State Insurance Company of Nebraska
a. a. rays, nut.
Tne German
iNEWlx elected m-mawt of
K WF saiJiJLsVm
KU. T BWOllK.
Insurance Notes
From the Various
Cities and States
Directors of tho Sovereign Flro of
Toronto havo decided to retire from the
United States und to accept nil offer
from the Globe and ltutgcm to tulnnuio
Us outstanding risks.
The Wisconsin fire marshal's depart
ment reports on COi fires In the state dur
ing tho quarter ended with September 30,
uf which lightning was responsible for
217. with a loss of 301,309, and defective
chimneys for twonty-rour, with u ioh of
40,190.
Important changes In stnto supervisory
officials will tako place In the next few
months as u result ut tin- Uemou.utic land
slide. In nearly all the western states the
present Incumbents are slated to retlru,
either because of tho change In the po
litical complexion of tho vtute or because
of plana mudu prior to the election.
A. A. King, nn Inspector for tho Under
writers' Assoclutlon of New York, has
beon appointed stato agent for the 8U-r-llmr
Flro In New York. reDorUnc to tho
eiutern department at Daitlmoie. Mr.
King naa naa a general experience cover
ing the last twenty-three yturs, represent
ing tho North ltivcr. New lorx under
wrltera and other companies In that state.
Mm. Tiulso T.tndloff. on trial In Chi
cago on the charge of causing the death
of ner 16-year-old son, was the benefi
ciary named In policies on tho lives of
six members of her family two bus-
bands, two daughters, a brother and u
eon all .of whom died under circum
stances lmllcutlng arsenical poisoning.
The policies totaled 10,900.
Flro losses in the West during October
were reported ua normal for most com
panies, although a few complain of an
unusually high loss ratio, especially on
dwellings and farm property. The losses
were so sevens during the early months
of tho year that unless thero la a ma
terial railing on in tno winter ures tno
totals for tho yoar will equal those of
1U.
Tho Southern Casualty and Surety con
ference, nt Its annual meeting at Dallas,
Tex., declined tho proposition 'from the
Detroit conference for n merger of the
two organizations, which have to do
largely with Industrial business. A reso
lution was adorned 'approving the sug
gestion of u simultaneous mld-wUter
meeting of the two bodies at Chatta
nooga to promote further acquaintance
and co-operation.
The promised reduction of commissions
In Chicago and other large cities Is re
sponsible .lor a Slew feature of 'demoralisation.-
if ports tho rtecord-Herald. tv
ec.il .mportnnt companies aro charged
with gutting a much' preferred business
na nnmliln In Plili nirn unci suburbs. Day-
ing excessive commissions mcreiur unu
taking chances on being able to hold tne
uusintss if commissions aro reduced and
all companies aro put on tho same bus-s,
Kinannuel II. A. Cerrea, vice president
of tho home Fire Insuranco company of
New York, died October 24 ut his home
In New York. Hu was born in the West
Indies Ui 1&" and was educated In Kng
lund, going with tho Homo In lSfia. He
rose through various stagou until ho be
came In 1908 first vice" president. He
contracted blood poisoning through a
colored stocking Infecting a blister
caused by riding boots, and the sovere
treatment necessary affected his heart
Governor Foss of Massachusetts has
named Nov. 9, the fortieth anniversary
of the Boston conflagration, as fire pre
vention day. Practically all tho states
have now taken tho arlmversary of great
conflagrations as the dates lor the fire
prevention day observances. Tho great
majority of the states observe October
, tho anniversary of tho Chicago fire,
as that was the beginning of the move
ment. On the Pacific coast, however.
April 18, tho- anniversary of tho Snn
Francisco conflagration, is observed.
Tho Kansas supremo court has decided
In favor of the tire Insurance companies
In the long-pending litigation, begun by
former Attorney General JacKson. charg
ing that the companies ycr engaged In
an unlawtul combination to maintain in
suianco rates in violation of the anti-trust
statute, and asking an Injunction. Tho
court holds that tne nntl-trust law, to far
as It relates 'to fire Insurance, was ic
pealed by the enactment of the state rat
ing law several years ago. The anti-trust
law sought to pro vent tne companies from
combining to make and maintain rates.
Tho ttate rating law compels them to
make uniform rates and punishes them
ior deviations therefrom
The United States circuit court of ap
peals has sustained the position of the
Hartford Steam Holler and Inspection
and Insurants company In tho llturatlon
growing out uf the boiler explosion nt the
Palm brewery at Milwaukee last year.
The brewing company claimed that the
explosion of each of tho three boilers
should be considered aa a separate explo
sion and that the Insurance company
should be liable for tto.bOu for each under
the limit specified In its policy for an
uxploston. Tne circuit court of appta'J
ic versed the decision of the trial court
and hold that tn law und within the mean
ing of the policy there was but one explo
sion and that the Insurance company wan
liablo lor but one. The company Home
time ago paid the U0.000 for which It ad
milled It waa liable, and the ault wan
far the balance of the claim. ,
J. Sidney Smith brought suit at Kansas
City to recover from tiro Insurance com
panies on a quuntuy oi grain in curs
which was burntd by an elevator fire.
The court decided against him, the de
cision hinging on the location of a comma
tn the ciuuse In the contract describing
the location of the l opertv. The sentenci
read! "Grain In cars on sidetrack, within
10) feet of the elovator." Tho owner
claimed that to long as the cars were on
a sidetrack which ran within 100 feet of
the elevator, even though they might be
moro than that distance uwuy from the
alMvatnr. hr wait covered, while the insur
ance companies held' that the cars must be
both on a sidewalk and within 100 feet of
the elevator. The court discussed the lo
cation of a comma to bring out the mean
ing of the sentence, and held that the
comma should be after "grain In cars,"
Instead of after sidetrack.
Haskell Company
Capital, 800,000
Eire Insurance
A. 3. X.OVJS Gen Maaager.
jg fire RATES HALTED
i Kentu?kv Bntn-Makine Board De
fers F'""' Action.
SHOWING MADE BY COMPANIES
i ilpnltir Notion of t.ftrjic Profit on
ItlaUa lllaiirored liy Statistics
Dnlnua In the Insurance
Field.
I An Insurance rating board created In
Kentucky by the law of 1911 Is consid
ering the question of reducing tho fire
risk rate. A cut ranging from a per
cent on city dwellings -to 33 per cent nn
farm homes was agreed upon early In
October, but was held up pending n
hearing on the protest of the Insurance
companies.
j At the hearing on October 22. repre
sentatives of the companies submitted a
I mass of statistics based on the experi
ence of tho Springfield Flro and Marine,
a company doing a large business In
Kentucky, showing a loss ratio of 5S.S
per cent In five yenrs. Tho loss ratio
of all companies on the class of risks
was 5.7 per cent.
In addition to the figures given tn
farm risks and dwellings, tho Springfield
submitted Us experlenco on all clustett
of business In Kentucky during the last
five years, showing a loss ratio of Sl.
per cent and nn expense ratio of 37 per
cent. Indicating that the business for the
period had been done nt a loss mid that,
therefore, it was not possible to stand
any reduction on the business as a whole,
and still less on the classes which are
gencrnllly regarded as the most profit
able. A slmlllar petition was also pre
sented from all the companies repre
sented, asking for the same vacation of
the order pr extension of Umo as was
asked for by the Springfield. Tho argu
ments submitted. In addition to quoting
the statistics and drawing the Inferences
therefrom, also raised legal and consti
tutional points.
The companies reporting their experi
ence to t(i committee collected 3,475,31
In Kentucky In the last five years on
town dwelling und had a loan ratio on
the class of Efi.S per cent. The farm
companies reporting, not including three
of the largest companies, which were
submitted separately, had a premium In
come of 7GI.S72 and a loss ratio of 57.2
per cent. As the expeneo ratio In Ken
tucky is 40 per cent, this shows only a
small margin of profit, and that on tlv
classes which have been selected by the
state board as the most profitable.
The Impressive showing of the com
panies caused a postponement of final
action on the rates from November 1
to December 1, the rating board desiring
the additional for Investigation of the
statistics submitted. The members ap
peared surprised at the companies' claim
that the reduction In dwellings would
amount to S3 per cent from tho present
rates, and at the narrow margin of profit
on tho class less ihan 5 per cent shown
by their statistics. They explained,
however, that they had been unable to
get accurate figures, as tho companies
had not reported their experience on the
clasrf. It Is believed they accepted the
popular belief that the dwelling class
Is one qf exceptional profit and assumed
thatlt could stand cutting. It Is under
stood they be)leyed, tho profits on tlio
class to be about 25 per cent, and ex
pected that their reduction would amount
to about 20 per cent, leaving tho com
panies a 5 per cent margin of profit.
Inflexible Valuta.
Investments of whatsoever nature fluc
tuate in value from year to year and It
too often happens that their values dev
tertorate. This Is. true of real estatu,
merchandise, manufactures and products
of the soil, and of everything the value
of which is Influenced If not governed by
thn law of supply and demand. The facts
being generally recognized, It Is little
wonder that men of forethought and
discrimination lay aside a sum of moniy
every year for Investment In life Insur
ance. They do this because of the well
known fact that a policy Issued by a
solvent, old line company, upon which
premiums aro promptly paid, is always
worth Its face value at date of ma
turity of contract or upon death of the
Insured. Tho valuo of a life policy Is
slable. regardless of tho vicissitudes' if
Hfe, or the mutations of property In
vestments. The moment a man dies
his life' Insurance policy becomes a
tangible estate, worth Us face valuo In
gold, convertible Into ready money. Ho
knows Just what his wife and family
will receive when bereft of the bread
winner: and he knows, too, that this
money cannot, with rare exceptions, be
selred by his creditors. If ever. The luw
safeguards this money for tho exclusive
benefit of tho widow and orphan.
The provident man takes out a life In
surance policy "during the productive
years of his life when In health and
strength. The annual premium covering
a twenty-year period Just about equals
In amount of annual taxes upon real
or personal property of value approximat
ing that of a life Insurance pollcv.
The latter creates tangible asset at
maturity of a value precisely what was
bargained for when the policy waa writ
ten) no fluctuations, no depredation, no
flaw of title. There can be no better
form of Investment.
Serlona Larrratlona
and wounds are healed, without danger
of blood poisoning, by Bucklen's Arnica
Halve, the healing wonder. Only 2tc, For
sale by Beaton Drug Co. Advertisement.
Insurance Personals.
Assistant Oeneral Manager Val of the
Hartford Fire company visited the Love
Haskell company last week.
Henry O. Clark, manager of the plate
glass department of the Massachusetts
uurgiar ana insurance company, visited
his agents, Martin lirothfrs company, last
week.
Special Agent Cruikshank. of the
Southern Surety company, waa In Omaha
last week, looking after the transfer of
the stato agency to FlUgerld & O'Ncll
company.
mmc J. HASKXLI., Becietary.
WSC SC. AJraCANSOW, Secretary.
Co. of Nebraska
We ai'o making substan
tial gains in premium in
come each month, which is
the best evidence of the
growing confidence in this
the best Fidelity. & Casu
alty compniiy of the cen
tral west.
We bond more people
than any company in Ne
braska. National Fidelity & Casually Co.
Kat'l ridellty tc Casualty Bids'.
Omaha, Keb.
Zdwln T. Swobe, Pres. ana Qenl Mjr.
Jay D. Foster
Foster-Barker Company
Fire,
Liability,
Automobile,
Burglary,
Brandeis Bldg.
VTAXTEK A. YOW30N
B. L. BALDWIN & CO.
IsUbUshed 1891.
09-10 rirst National QEKBBAZ. INSURANCE Telephone Doug. 271.
Wheeler & Weipton Co.
BEI.IAlJI.il INSURANCE
OF AX.X. KINDS
1011 Dodge Strest. Phone Douglas 180.
L
MARTIN BROS. & CO.
GENERAL IfsJSaUIAINJCE
BARKER BLK. TEL. DOUG. 735
Byron B. Hastings.
Edward
Hastings & Heyden Insurance Agency
GENERAL INSURANCE
In O.hl Line Companies. Wo Adjust Losses.
1014 Hurney Street.
Everything to Commend It
A Western Life Company of great financial strength.
Mortality cost very low.
Expense of management reduced to minimum.
Prompt payment of death claims.
Accumulated assets, $3,588,843.00.
Capital and surplus, $750,000.00.
Business in force, $30,000,000.00.
The Bankers Reserve Life Company
B. H. Robison, Pres. Home Office, Omaha, Neb.
Creigh-Baldrige&Co.
It Is MONET In your pocket to $
that looks after Yonr Interests
when you meet with a loss.
W An thlajanft liAfM fnr lwn. fiaS
ty years. Our policies are best j ,
let us convince you, A telephono 6t
call will tiring a representative " 1
9
a
55 J. K. Baldrlg
John W. Madden ft 1
V T. A. Crabrh
Insurance, In
Webster.
'Pfcoaa, Boaglts 870. -1-
BOOST POX OMASA
The Columbia Fire Underwriters
Or OMAHA
Hoa Offices Entire Third rioor Merchants Vatlonal Bank Building-.
Phone Soog-l&s 431.
3. O. Talag, Maaarsr. M. E. I.aio, Assistant Manager.
rr
I H, Mitlien Co.
INC.
921-4 0ITY NAT'L
BANK BLDG.
Surety Bonds
Employers Liability
Automobile Liability
Burglary
Plate Glass
NSURANGE
Joseph Barker
Tornado,
Accident,
Plate Glass,
Bonds, Etc.
t Phone Doug, 29
w. inaoY Wilcox
T. Hsyden.
Nat Melster.
Tel. Douglas 1000,
INSURANCE
TIItK TOIINADO
AUTOMOUIIiK
I 'MTU GLASS BOILER,
IIUHOLAltV HEALTH
ami ACCIDENT
ALFREDO. KENNEDY
ilOO First Xnt'l Hank Bldg.
3
Telephone: Douglas 722.
All Its Branches
AT
Howard Co.
-:- .y. -s- 328 Bed Bids;. I