TJJE UEK: OMAHA, MONDAY, DECEMBER 9, 1912.
WHY PAY MORE THAN
YOU HAVE TO?
W h buy h whole life poMrv on tin
partlrlpatlng plan when you tun lu it
XWEHTT FATMEHT Lim POLICY
with murh larger guarantees ai ap
proximately the name r a Pjwer rate
n the non-partlritatlnir plan In
Tho Prudential Insurance
Company of America
Incorporatr l as m Stink Co. i the
State cf Sew Jerae
M. Bruce Carpenter, Mgr.
ror N.braaka and South Dakota.
519-33 City national Honk nnlldlng,
Omaha. 2Iab. TL. Sonr. 1375.
V
BSOLU I'E iKCURITY
Northwestern Mutual Life
insurance Company
OF MILWAUKEE
MANN & JUNOD
ficncrnl Agent
r.;lS-.-H Drnudei Untitling.
OMAHA
i'Notes from the Insurance Field j
INSURANCE WORLD DOINGS I Insurance Policy
Is More Liberal
Safeguards for Injured Workmen in 1
i Washington State. j
jPnOGRESS OF STATE REGULATION
! Km iihn.laeil I'Vatare of WtMiinln'
The nquttable gives absolute security to lta policy-holders and beneficiaries.
Jta Ftre IIundre-1 Millions r.f Aseels guarantee the fulfillment of very
nbllgstlon promptly ami In full. The removal tf alt uncertainty Is para-
' niner rnnRKieraiinn in a ilia innurunuo hhji.....!"". .....
mount to every
ii'ic fover a period c' 'ilf a century or more.
I.lfr Iniurnner M)strin Other
Matter, of Urnernl Interest.
The state of Washington has a n-n
law which compels employer to make
flnunclal provisions for Injured workmen.
rK EQl'ITAW.K TjIFB ASStTlANTK HOCIETV of tlio 1'NITKD STATES . u"" "VwncK. in in!.
A.ssct ovitr p.'00,(HKMMM); lnlc! PollcyliohlorH over S5ir,ouo.o -
II. 1). .KBIA- & CX)., MniuiKfr 4tH Merrluinl.- Vnl'l Honk HlclK. I f, , l,pon ,nl" ,'en!o" ,M for lo,al
It D. NTJELT. JOE ICLEXN. C. H. PIOJCARD. disability
. . . . ! It In worth while to trace the history
MANY MEN
Obey that Impulse.' Take
n policy In the Xew England
Mutual, l-t this be the
family Christmas present.
G. W. NOBLlt,
Osnaral Agent.
CKAXLEB X.. B07FEX,
Special Agent.
C KXTCKUA1T, Bpsolal Agsnt.
omoisi
63S-SH3 Brandtls Blag.,
Omaha.
THE
Union Central Lite ins. Go.
OP
CINCINNATI, OHIO
HARRY O. STEEL
aentral Agent.
311-313 Ksmjo Dldr. f bona n 213
Onr Ordinary Xlf
Age 30
rlrat Year
B.oond Tear
Ho
633.35
. . .918.70
Othsr Cotuiiany Can Mutch
Thtss Bate.
Today Than Before
"A lite lnfuranc- policy fdrmulaltU
fifteen years ago I regarded ax a back
number today Te progres made In
liberalising tho terms of policy contracts
la one of the remarkable things In the
ovolutlon of life Insurance. This Is due
not only to the scientific principles ap
plied to business, but largely to the In
fluence of idenLflc methods adopted
by the people for tho conervation of
health, for the purification of food, for
the prevention uml eradication of epi
demic dlekes and for the comfort of
everyday life."
The above statement was made by
NOT SUITED TO CONDITIONS
Liability Insurance as Applied to
Employes is Discussed.
FAULTS IN PRESENT METHODS
SuBirrsllona n o What hatmrn
Minnlit He Made In the Uanm or
Hlntrn WJirrr lMnu Is
Sorr in Puree. x
of Sweum In some detail, his case so Walter O. Pitston. treasurer of the
' excellent llustrutes the difference be- Hankers' Reserve Life company. UU
1 tween the old-time and the new. He 'cursing tho subject further, he said. - It
came to America from Trondhjem. Nor-lis only necessary to make a comparison j othera th( foowlll(r gtatements are made
way tmrty yvors ago, anu. line so many jot mai statistics 01 twenty-iive esis t ,- ,,.,, f eomDensattng
In some quarters there seems to be a
beHef that companies engaged In writing
employer" liability Insuranco are gen
erally opposing the enactment of work
men's compensation legislation. That
this opinion Is without foundation seems
perfectly apparent from a pamphlet now
being distributed by some of the largest
companies In the business.
t'nder a headlnc. "Porltlon of the
Liability Insurance Companies." amonp t
..il . . I - tK. ! ! M... a I... 1 1 f Mta.. f9l ..a 1
o.ner oomerau, .ou ' - ; lnlirei employes on the basis or common
lumber camps of Wisconsin There he,ctnsus In order to reveal the fact that J V, . ., 1V,
'married bis wife, a yellow haired, blue- the averse death tate has been .e- 'w maBes. deptndent upon the , nej
!ved eandlnsvlnn like lilmiflf. and duced. This Is a result of combination 1 "JenC0 nf tn0 "ployw. I Unsulted to
JOINT LIFE INSURANCE
Bine 1800.
Arxts
S40eo.ooo.
The Joint llfo policy Issued by tho aern.unla IJfe Inauraiice t-oinpany
Is a winner Husband and wife Insured under the same policy At age 30
the additional rate on one thousand 20 payment life la only $13.80, The
wlfa should carry Insurance. Before applying for your next policy. Just
Write or OAZ.X, AKSEBDOH
and ank lilin to send you an Illustration, orflce, 410 Ueo ItulldlnK Tele
phone DouRlan 22SQ Umaha, Neb.
sMaOBl 2-
"STATE MUTUAL"
OF WORCESTER, MASS.
QUE tf THE OLDESTIS YEARS
and Heat Companies on
Earth.
W. H. INDOE
Genci-nl Agent
602 Bee Building, OMAHA
OKOAHZZES 1040.
The Mutual Benefit Life t
insurance Company
of
lreWAXK, NEW JESKT
GEO. T. BLANDFORD,
General Aj-ent.
416-10 City ITaUonal Bank Bldr.
Omaha, Msbraska.
r
Protect Your Time
Your Earning Power
Our Accident and Health Policies cannot be mot in compe
tition. See them before you buy.
Lion Bonding & Surety Co.
Doug. 678. W. 0. W. Building Accident Dept.
cradually shifted to the Pacific coast. He
not only lived comfortably upon his
wages of $2.75 a day, hut was actually
' forging: ahead to a modest competence.
He had purchased a little house on the
I usual Installment plan and was lmMns
I no difficulty In maklin- his payments.
I Indeed. Hweum and his family might
figure as a typical Illustration of that
decently behaving. self-respectlnK. Intel
ligent working class, which is so gener
ally believed to be the fundamental hope
and safeguard of America
Knlln on San,
And then something suddenly hap
pened to Sweum. One morning the ordi
nary routine of his work forced him to
stand upon a traveling carriage In his
lumber mill. A few feet below an enor
mous circular saw was howling and
shrieking at the rate of several hundred
revolutions a minute. Hweum slipped,
lost his grip and fell-directly down upon
this sawl His fellow workmen extricated
him quickly but not sulckly enough to
save the man hla two arms.
Sweum had hardly recovered when he
was surrounded, not by "ambulance
chasers" and "Insurance adjusters," but
by real friends. His employers were not
afraid to call upon his wife for fear that
tho dereliction would afterward be used
against them In court. In fact, the first
one to report the accident to the Indus
trial Insurance commissioner was the
emplojer Ihe law lays this obligation
upon him. Sweum likewise found a sym
pathetic friend In his doctor, whoso duty
of forces, chief of which Is the popuUr r"onl, ,nuu"' 7 "" " ,, .,
enlightenment upon subject, of sanltn- I CQUltable and wasteful In Its application.
tlon and hygiene and the better habits '. Tm"r ,s "iwwre urgent necemy .or
of living The Lest people of New Or- Improving the present method.
leans arsert that the medical scientists i "Uabllity insurance companies are not
of that city first discovered the way to opposed to workmen's compensation. They
eradicate yellow fever by killing off the . have not opposed tho enactment of work-
dlson He-ruri ytnr mosquito, and that their I men's compensation laws and will not
discovery was upplled In Cuba dur- ' oppose such laws.
Ing the American - occupation, They To turiijh Information.
claim that the 'discovery has been no 1 "The companies are ready to furnish
First Fidelity and Casualty Co.
of Nebraska.
First In premium Income.
First In tho esteem of the In
suring public.
liocord for last yejir:
1. Xational Fidelity and
. Casualty Co. $127,843.43
L. Competitor. 00,049.58
.'. Competitor. 00.159.07
4, Competitor. 20,496.4:
We bond more people thnn
any other company in Ne
braska. Our accident policies
are the insuring kind.
National Fidelity & Casually Co.
Hafl ridclity & Oaonalty Bldg.
Omaha, Neb.
Edwin T. Swobs, Pres. and Oen'l Mgr.
J. H. Mithen Go.
INC.
921-4 0ITY NAT'L
BANK BLDG.
Surety Bonds
Employers Liability
Automobile Liability
Burglary
Plate Glass
1
INS
USANCE
"jay D.
Foster
Joseph Barker
I
less successful there thnn In Huhn anil
ln ihr T'nttatn rati! rnna ...V.i-n (h.,
Is almost entire Immunity from the
ravages of the disease, Another cxamplo
Is the discovery of anti-toxin serum
which has reduced the death rate among
youths. Generally speaking, the human
race owes a greater debt to Pasteur than
in any other human being, for his dls
covet les have led to marvelous results In
the fight against disease.
Health Unarda Help.
"I need only refer to the sanitary law
of the states and of congress to prove
the point I wlah to make. State and
municipal hoards of health, backed by
good laws and a determined public senti
ment are mnkiug a splendid fight against
preventable disease. The Inspectors of
any information or advice, based upon
their experience in liability business, with
a view to so perfecting any contemplated
law as to render Its operation least
wasteful and least likely to cause ex
pensive litigation. And the companies
are further ready and willing to furnish
data inspecting the probable cost of any
such proposed law.
"While compensation legislation has In
some countries Increased litigation be
tween employers and employes, such In
crease of litigation can bo largely traced
to Inequalities In the laws, to Indefinite
clauses In the laws, and to the absence
of fair definitions as to when compensa
tion Is payable, to whom It is payable,
under what circumstances It Is payable
Prominent Omaha Insurance Men
It became to Inform the Injured man of
his position under the law.
This man, therefore, quickly totd Sweum
to pay no attention to solicitous lawyers;
but, as soon as he was physically able,
to send a claim to the Washington In
dustrial commission. The subsequent pro
ceeding was all simplicity and dispatch.
On a regular blank provided for tho pur
pose, Hweum put In a claim for compen
sation. His attending pbyticlan made a
complete report of his Injurlea, and re
j ports were forwarded of all eyewitnesses
, to the accident. In a month or two
Hwmiiu automatically went upon the com
' mission's rolls aa a life pensioner. Out
I of tho reserve placed aside to pay this
rx-nilon. thn commission, acting under
th.i dlrcretlou given It by the law, ad
vanced 11.000 to pay off the mortgage
upon his house and to pay his dootor'a
' bills. As long as Hweum lives he will re
' celvo JX1 a month. In case of his death,
(the pension, rllghtly reduced, goes to his
1 wife and minor children. ,
Wnahlngton'a plan for its workman's
compensation plan Is In a form of state
insurance. Under this the employers do
i not becomo responsible for paying death
' nn'l damago claims! the slate assumes
1 thin responsibility lllf An Injured
j workman In Washlnrston does not runh j
Into court against his employer.; nor does !
' ho file a claim against him. He. looks for
compensation to the commonwealth It
self. Tho law has created a new and per-
j maiirnt administrative body of three,
known as the Industrial Insurance com-
: mission.
j Hlau-Krailr Commlaaloii.
This communion Is composed of well
known men not of the politician variety;
food and drink offered for sale are doing ;und ln what preclw amounts 11 ' Pa-V
better work than ever, while the puretable- Projected compensation legislation,
food act of congress has been a mean. ' therefore, requires the most careful In
of conserving health. ! uuiry and consideration before It Is en-
rho medical doctors will tell ou that !"ed; nu the only available data In the
there is less sickness thun ever before country, namely, that In the possession
and It has come to be true that a imy- ot the liability Insurance companies is
slclan must specialize in order to lnsuie freely offered for the astiistanco of legts
si'ccess. The war on tuliercular diseases ilatures.
Is one of Ihe distinctive movements of j "The economic waste consequent uion
this generation. I can remember wben the employer's liability system of com
surh casea were Isolated In closed rooms, i pensatlng Injured workmen Is Inherent
the doctor requiring that little fresh air I In the system and is a thing for which
be admitted. Now tho windows are all
thrown open and patients are ordered
out of doors and to sleep In tents. The
scientists are gaining more knowledge
constantly and the human family derives
the benefit.
Insurance I.e IlHsnrdons,
"All this, of course, makes life In
surance business less hazardous. Officials
and actuaries of the companies take these
facts Into consideration when they liberal,
ixe the policy contracts placed on sale.
There never was ilme In the history of
Ufa Insurance when the companies of-
icrea sucn iineral terms to policy holders, I rectly and vitally Interested
not only in the matter ot accumulated j maintenance of an adequate
"'"""w'i "ui in suecuic auvaniaaea unci mtn fnr nmnii mn.i , n
privileges unknown to policies of fifteen i premium income, if the premium rate
to twenty-five years ago. This liberal- ! is inadequate the financial stability of
luuiiza him ho on wun me prog- the insurance
ress or scientific achievement and the
the companleu are not responsible by the
community, not by the companies.
Protection Anrnlnst Insolvency.
"Compensation laws should provide
that an Injured employe should. In the
event of his employer's Insolvency-, be
entitled to the compensation guaranteed
by his employer's Insurnnce policy; and
that, In view of such provision, unpaid
workmen's compensation premiums should
have the same preference as Is accorded
to claims for wages against un insolvent
assured.
"The Insurance policy holder Is dl-
In the
premium
Foster-Barker Company
Fire,
Liability,
Automobile.
Burglary,
Tornado,
Accident,
Plate Glass,
Bonds, Etc.
Brandeis Bldg.
Phone Doug, 29
WASTES A. TOKSOH
w. lehoy wilcox
B. L. BALDWIN & CO.
GO9-10 Tlrst Xational
Established 1891.
OSZTERAX. IJTSTJEAJTCE
Tslsphoue Song'. 371.
Wheeler & Welpton Co.
BE LIABLE INSURANCE
OF ALL KINDS
1511 Dodge Street.
Fhons Douglas 188.
MARTEN BROS. & CO.
GENERAL INSURANCE
BARKER BLK. TEL. DOUG.
735
company will Ins under-
m!n1 II ml tlui Itrnluoi lstr tix V .,IU..
average life of man will be prolonged. , ,,older will be destroyed. Tho experience
which
accepted by life companies, thus reduc
ing the mortality cost. This will enable
tho life Insurance companies to continue
tho procss of llberallxing their policy
contracts by Increasing automatically,
year by yosr, the tact value of pollclos
issued."
FIREPROOF CONSTRUCTION
DISCUSSED BY HOWE
A, J. LOYI, Prsslflent Lovs-Hasksll Company.
At the weekly luncheon held
"blue goose" room. R. V. Howe,
ln the
special
Charlta A, tTatt. the chairman, repra- lament for the Nt.w Tork Underwriters,
rents tho manufacturers; John H. Wal- jreud an interesting paper which reviewed
lace, a former hualnesa agent, represents . tho history or materials used In building
tho laboring mon, and lUmllton Hlg- ' construction since a tlmo antedating the
la. tho Ipgal protess.on. Their Dimness j Christian era. and dwelt upon the merits
Is to Investigate all accidents as soon
ax thoy occur mid pass upon thoir morlts
an expeditiously an Is consistent with
Justice to all parties concerned, After
Ugatlon the nommlislon
tlms or thoir dependents
J milling an Invea
i attaches th v!ct
to Its regular pension lUt, according to I structural steel or other form of building
or lalnrorced concrete In fireproof con
struction. Concluding his talk. Mr. Howa
said:
"If reinforced concrete was accorded th
same conscientious consideration In ile-
nib" mm scrutiny in construct on as
of no one Insurance company is sufficient
for tho calculation of dependable rates.
To make rates equitable, the Insuranco
companies engaged In the business must
co-operate, and such co-operation under
proper organisation should be authorized
by law and supervised by the Insurance
supervising official of the state."
Successor to Hastings & Heyden insurance Agency, lias moved to 1313-14 City
National Bank Building, and will continue to conduct a
GENERAL INSURANCE BUSINESS
PHOITE 1. 1703.
ln.orancn Personals.
iw L.. Oraham, managor of the liability
department for the Kansas City Casualty
company, waa In Omaha last week.
Special Agent Goodman of the Northern
Insurance company of London has been
tranaferr&i to Michigan to take charga
of that field.
Nat Melster, who purchased the Insur
ance business of the Hastlnga 4 Heyden
Insurance agency, moved Into his new
offices, 1318-14 City National bank build
lag, last wtek.
n schedule stipulated In tho law. Though
the staU assumes the responsibility for
thrso pensions and paymtnt. it oolleeta
the money from tho employers. I
The commission divides employes to i
extra haxardoUs occupations Into fort)'- '
twven distinct groups. Thus the proprie
tors of mines form one group, of ponder
factories another of sawmills another,
of canneries another, and so on. It ac-
construction, there would be no hesita
tion In making the change to the mora
permanant and artlstto structures, which,
whsn honestly built, will cause no con
cern or attention, and It would be a great
stop forward In coiiKerving the wealth of
our nation from loss by fire."
Tho
Insurance Note.
flru Insurance companies
tually collontB irpm tho employers so en. business ln Missouri are preparing to fll"
J' Y" Wafiischlus. formerly Iowa state i
u.kiu ior m iiouie insurarce comixinv
of New Vork. has been recently appolntod
state agent for the Kldellty-Phoenlx com
pany In Iowa.
C. B: Varley. superintendent or the Im
proved risk department of the Spring
field Insurance company of Chicago. Is
In the city conferring with the Foster
Iiarkcr company.
Jamea Marshall, special agent of the
Firemen's Fund, is In Chicago conferring
with tha maanaeri of tha company re
snectlng the reinsurance of tho Jefferson
lire Insurance company.
John K. Morrison. Nebraska atota
agent or tiie Jiotno Insurance company
of New York, spent sevoral days Hi Chi-
cajju iav weea consulting vice Presidents '
Ibrownall and Ludiani of the company I
rslatlvo to the new management in tno
dolna western field. i
Hang a Policy
on the Xnms tree, making wifey the bonefieinry.
There can be no finer present. It would de
light her and do you good.
But Be Sure
that said policy is issued by that strong, pros
perous Western Company--
The Bankers Reserve Life Company
OF OMAHA
Hascom a. Koblsou, Pres.
Ka C. Wajnor, Beo'y.
B. L. Koblson, Vioe-Pres.
W. a. Preston, Treas.
The familiar faces
of Omaha's leading
insurance men will
be shown in
above space
time to time.
the
from
ro-led particular sums based upon a per
centage of the payrolls. In this way U
colltcta forty-seven separate fundi, Any
pinion- Injuicd tn a particular Industry
thus draws his Indemnity out of the fund
accumulated from tha payment ot that
Industry. In other words; each Una of
business shoulders tho expense ot Its
own casualties, The payments aro in the
nature of a tax levied for tha privilege
of engaging tn an Industry that con
stantly threatens tha Uvea of tha em
ployes. Kllthteen Town. In.prrtfd.
At the annual meeting of the Kansas
Klro Prevention association It was ra
' ported that eighteen towns had baen In
, spected. covering over 6,001 buildings, with
mora than halt of thass developing de
. fecta. Over 40 per ctnt of th. defects
I bulletined havo been rumedled. Tho as
sociation strongly tavora a state fire
' marshal law, to b. supported from the
I general fund.
with tho Insuranco department the rates
mauo ny tne aiissoun Actuarlss' bureau.
The work of reratlng thn state Is now
completed, Superintendent IUake had re
fused to accept th. rates on the various
towns as fast as completed, holding that
the rates fir the entire state must ba
filed at on. time. Last week he Issued
notice that the rates based upon the new
uasis scneauies would not be accepted
Ihe fire commissioner of Xew York
lately Inspected I7 public schools and
found that only sixty of these had com
piled fully with tho requirements of the
law In regard to fire protection. In
some cases he found there was great
danger by reason of neglect of the most
. 3989 mww W. O,
W, BLSw.
ordinary precautions against a possible r- r - .
outbreak of fire. ' I?35' XC25 'j&Xl&X.'
Ilay C. AVagner. seeretaiy of the Hankf ....... A S' I
under th. law. but tha oompanlsa will . Jf , acrve wre company, represented . J (rnifYh UlnXttQXt I'd 4
tender them Just the same. ! :&Mln'ft$??u& U lb I g 1 1 D H I U 1 1 B & UUl I
JiK It is MOWXT ln your pocket to I
lYnsldenta hekl In New York December
S and 6. The executive officers ot the 1 U
association extended to the officers or I
the Hunkers Reserve Ufo an Invitation I O
to attend the meeting, which proved to
be one ot the most important sessions of
Insurance men held during- the year. One I
t ina tuemea unaer aiscussion was
A meeting of companies writing auto
mobile Insurance In the went was held
last week to consider the advisability of
forming a west.rn organisation for han
dling the details of the business, similar
to thn eastern conference, with head
quarters In New York. Several of the
eastern underwriters wre present. There
was a difference of opinion aa to the
advisability of a strictly western confer
ence. Home attendants favored organisa
tion along strictly nre insuranco lines j Policyholders" and
rumor mwi aiuun manna lines, a oom-1 tha Policyholder." Tha official program
mittee wm apimuura to wow out oe- . embraces a numDer or addresses ny eml-
imiB riiu rvpuri iu nnuuiar iiimnins in i n.nv men wiiose utterances an. ot in
December
place Insurance with the agency
that looks after Tour Interests
when you meet with a loss.
Thi, aS
ItettArment nf 1-ifA In.urnncA Hrv1id I M
It waa treated of under three general !
icajtiL. , iiiviciii u . ill,. I ui il . . .
I holders' Funds." "Prolonsrlnr lAvwi of I
fitting me poney to . .
Tha official program
We do this and have tor twen. &
ty years. Our policies are best j
let us convince you. A telephone $
call will bring a representative. N
I- ' ;s
B 1.
highest value to the Insurance fraternity. , Qmr-Z1M I V
M.'Baiarlgo
r. a
John W. Maddta
Cralgh,
INSURANCE
KIRK TORNADO
AXITOMOHILK
PLATK GliASS BOILKU
HUItGLAUV HEALTH
and ACCIDENT
ALFREDO. KENNEDY
100 Firf-t Nat'l Dank Diilg.
Telephone Doiiplas
TOM S.KELLY
A life policy for wife, son or daughter
IS THE BEST GIFT NOW.
SiaXTT XXX.X.X9K ASSXTB
"THE
INSURANCE MAN"
SoufUa cu.
A. 3, LOVE, President.
munc 3, XASKELL, Baorotary,
Love-Haskell Company
314324 Omaha National Bank Bldg.
EVERY KNOWN KIND OF INSURANCE
PATRONIZK HOME: INSTITUTIONS
The State Insurance Company off Nebraska
Capital, 200,000
A. J. X.OVX, PsssiAsbU VK M. JLKXAJT80N, Sscrstary.
The German Fire Insurance Co. of Nebraska
A. J. LOTS Ooasral alaaaf r.
: a a-k cimo v-k -t. T -m V HI Its CT m . T
1 jaaaoua, asivct & 4ub.aji lis xJ MTiX B I Z M. IS5
AT ?
1
Webster, Howard Co. I
I- -I- 328 Be Bldg. j
L Webster, 1
Thons, Doufflas 970.
BOOST TOR OMASA
The Columbia Fire Underwriters
OF OMAIIA
Sou. Offlc.s Satlrs Third Floor U.rchanta national Bank Building.
?bcn Douglas 431.
C. O. Tula-agi,, ataaaa-.r, 31. E. Lsass, Assistant Manager.
I