THE BEE: OMAHA, MONDAY, DKC'biMMjK 1G, 19J2.
T"7
HMnro ucriuing
nn your Insur
ante 'plione 1.
1S75, -and ak
about the new
low rout, all
guaranteed pol
icies, all plans.
Ijlfe, Umlted
Payments, Kn
il o in e n I ,
Joint or Part
ncrshlo. Cor
poration and Monthly lncon.w or Pen
sion Policies,
Tha Prudential Int. Co. of America
Inc. an a Stock Co., by New Jersey
m. bkuos OAxrarnm, mt.
yor Nebraska and South IMkots
UO'Sta City Hat'l Bk. BM( Omaha
Equitable Life Assurance Society U. S.
Assets over $500,000,000. Paid Policy holders over $815,000,000.
H. D. NEELY & CO., Managers
II. I. XEEI.V JOB KLBIX
Merchant Nnt'l Ilnnk Midi;.
MANY MEN
"Obey that Impulse." Tnke
a policy In the Now England
Mutual. Let this ho tho
family Christmas present.
G. W. NOBLE,
General AgiBt.
CHARLES X.. KOPPEX,
Special Ag-snt.
3. C HVrCHMAW, pedal Agtnt.
omens i
Braaael BldCt
am-43
Omaha.
OIUJANIZKI) 1H(IO.
THE GERMANIA LIFE INSURANCE COMPANY
OF NEW YORK.
Clarence N. Anderson, Mgr.
VOn NWlIUHKA AND SOUTH DAKOTA
430 Bee Building - - OMAHA, NEB.
"STATE MUTUAL"
OF WORCESTER, MASS.
HE OF THE 0LIEST-SI YEARS
tad Best Companies on
Earth.
W. H. INDOE
General Agent
602 Beo Building, OMAHA
Nike This Xmas Merry by Giviig a Real Present
Please Someone By Protecting Someone
There could be nothing better as an Xmas present for
husband, brother or son, than one of our accident and
health policies. Lot us assist you.
Lion Bonding & Surety Co.
9th Floor, W. O. W. Bldg. Ph6no Douglas 678
(Note Call for an Xmas Tojccn.)
Prominent Omaha
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JkBSSBBBSSIKbB
Clareuce K. Andcrsou, Nebraska and South Dakota Manager
for Oermania LUo Insurance Company of New York; Secretary
Nebraska Llfo Underwriters' Association,
if
The familiar faces
of Omaha's leading
insurance men will
be shown in the
above space from
time to time.
XMAS
TTOsW So ICEEitkwLii Y
Northwestern Mutual Life
Insurance Company
OF MILWAUKEE
MANN & JUNOD
General Agent
5:18-5-1 1 Uranilels miUdlng,
OMAHA
K. II. IMCKAItl)
THE
Union Central Life Ins, Go,
or
CINCINNATI, OHIO
HARRY O. STEEL
Oeneral Agent.
111-313 Bamtre Blflg. Phone D 3113
Onr Ordinary Life
A-e 30
Tlret Tear
Second Year
33.33
. S1B.70
Bo
Other Company Can Match
These Bates.
ORQAHIZED 1845.
The Mutual Benefit Life I
Insurance Company
of
HEWAB.X, SW JERSEY
GEO. T. BLANDF0RD,
General Agent.
41 8-1 e City National Bank Bldr.
Omaha, Behraska.
Insurance Men
A life policy, for wife, son or daughter
IS THE BEST GIFT NOW.
"THE
INSURANCE MAN"
Douglas Bl
'Notes from the Insurance Field
WAGNER BACK FROM MEETING
Found Sessions Held in New York of
More Than Usual Interest.
MANY QUESTIONS DICUSSED
President nt Mr Compnnlrs
lie Opinion flint the Pnttire
I" Full i.f Promise fur
the Worker.
or
"It was the most interesting meeting
of lnuratice officials that I ever at
tended," said Itay C. Wagner., secretary
of tho Hankers Itescrve I,lfe company,
who has Just returned from New York,
where he represented the company at the
sixth annual meeting of tho Association
of Ufe Insurance President.
"ft wan an extraordinary elon The
dlsciisrtuns related to the vital things
which Insurance men are studying. One
of these Is the betterment of life Insur
ance service.
"To me tht tnoiit Interesting of all the
discussions were thoao whloh hud lef
erence to the topic of fittlnic the policy
to the policyholder. Every Insurance man
present seemed to reatlse the Importance
of this wibjcct and somo uf the leaders
came prepared to discuss u. This was
th theme: 'What klml of Insuranoc Is
best fitted for the needs of the particular
policyholder?' Jtost men are under
Insured, tfoino Hro Insured In whole or
In part with tho wrong kind of policies.
The question Is, Can life Insurance mate
rially Increase Its nervice to the public
by Inducing all companies and all agents
to (five moro thought to the necessity of
fitting the policy to the policyholder?
'The spakers tried to show that 'agents
should not specialise in a certain form
of policy, but should offor u policy In each
case best suited to the needs of the policy
holder, considering his Income, financial
ability, character of hla business, size of
family nnd the ages of those dependent
upon him."
tine Common Desire.
"I wax pleased to discern a common de
sire upon the part of the delegates In
the meeting to continue the work of help
Ing to place life Insurance In Its right
light before tho public by Knowing that
Insurance men regard their builnoss pri
murlly from the standpoint of the rela
tion It ha to the public welfare and the
opportunity It affords for rendering a
public service."
Mr, Wagner mado It it point to Inter
view a number of prominent Insurance
men lit tho east as to prevailing opinion
among leaders of finance and business
touching the general business outlook for
the new year, lie found this topic upper,
most In tho minds of banker and Inmir
once officials, the great majority of
whom are fairly confident of good time
ahead, it Is pretty generally" understood
that the eastern markets uro row In
strong hands and well under control,
Insurance Notes.
Tho North Dakota Insurance depart
ment has Issued a warning against the
Western Hall Indemnity cxchuiiKv, with
headquarters In Missouri,
Kentucky's rating bureau has again
changed the date on which the announced
cut In fire rates will take effect. The
new dotes are January for farm risks
und Mrsf.'h 15 for city dwellings.
Clovernor-elect Major of Missouri has
announced that lie will appoint Charles
a. Itpvelln of Kiirnilnnton as Insurance
superintendent. Mr, Itevullo has been as
sociated with Mr. Major as Hsslntnnt at
torney general,
It Is expected that J, C. Cummins, sec
retary of the Equitable Ufe of Iowa,
will succeed the late Cyrus Kirk as presl.
dent at the annual meeting In January.
Mr. Cummins Is a hrothur of United
States Henator Cummins of Iowa.
Wllhird Doune, Insurunco commissioner
of Utah nnd chairman of the committee
on publicity and education of the Na
tional Convention of Insurance Commls
slouets, has In preparation a textbook
on Insurance far use In high schools, com
mercial colleges and hiislnes schools. Tie
book will cover fire, life and miscellane
ous branches.
Insurance Commtrsloner Palmer of
Mlchlgon. having luunched. the work
men's compensation fund, operated by the
state Infcurnnre department, under the
new law, Ih now agitating n law author
Ixlng the Mate to Issue Industrial lite In
surance. It Is understood that thn plan Is
based largely on the 'ml'ar nuasuro soon
to go Into force In Wisconsin,
Thn attorney general of Ohio has ruled
that Insurance companies seeklnr admis
sion to tho stato must have their entire
authorized capital paid up before they
run be licensed. This ruling was made
on tho implication of tho Wisconsin Na
tional 1.1 fo of Wausau. which has recently
nuthnrlj.rl ii natiltnl fttnftk inrrruitit t,i un
amount larger than thut which actually
huh liren pain in
Iimuranco Superintendent Iwls of !
i Kansas hns' prepared a Mil for the next ,
ft
I le;illutui'o forbidding rebating, tnlsrep
tesentatlon. tw luting and the Improper
retention of premiums hy agents, apply
ing to all classes of Insurance. The re
bate section provides that, In addition to
the usual penalties, a reduction In In
surance paid In cjso of loss shall bo
made pro rata with the amount of the
rebate.
Tho National .Surety company has sued
editor of the jnurno
with their controversy over a bank bur-
glary policy. Mr. Drew Is now suing the
National Surety and It. W. Smith. Its
Denver vice president, for actual dam
ages of S cents and punitive damages of
II.DW on a charge that It perverted court
records In sending out Its statement 01
the case,
The National Convention of Insurance
Commissioners has sent to its members
the new fraternal valuation blank as
agreed upon between Its committee and
the representatives of the fraternal or
ders. The blank requires the totul net
valuation 6f fraternal certificates out
standing on December 31. 11S. and the
amount of funds available for the benefits
promised In those certificates, together
with other Information showing methods
of calculation, etc. The InformaUon Is
not to bo made public, under the agree
ment oarrled by tlm Mobile bill, the re
suits being for the private information of
the fraternal managers and the Insurance
departments.
luiariuicr Personals.
W B. Howard, state auditor-elect, re
turned last Wednesday from New York
City, where he went to attend the meet
ing of the exeoutlv committee of the
national Insurance commissioners and
ulo the cenvsntlon of the Ufa luiurence
Presidents' asroctatlon.
A. J. iOVK. Prsslwt. tbakx J, XASKEXiXi, S.ci.Ury.
Love-Haskell Company
314-324 Omaha National Bank Bldg.
EVERY KNOWN KIND OF INSURANCE
PATRONIZE HOME: INSTITUTIONS '
Xtie State Insurance Company of Nebraska
A. J, LOVE, Prssldsnt.
The German
Fire Loses for the
Month of November
and Eleven Months
The fir, loss of"thTl:n.ted states nc
Canada for November, as compared by the ,
New York JouroAl of Commerce, shows'
a total of Jl6,172,m Tho following table l
gives a comparison by months of the fire
ossos .or m.s year anu me iwo precea-
Ing years. '
into.
Jlft,I7.,0
1B,4K),n&0
1M65.0X)
1S.O0I.MIO
18,W.1,Kfl
13,tKUJ0)
2rt.847.MO
21,670,fiO
ll.TO.W)
n7.iR8.roi
18,107,000
1911.
21,.',4.iO
10,113,000
81.W9.W0
17. C70.KO
21.122,000
.3),fBl,W0
25.3ni.lfrt
liWB.f.TiO
ll.3S!,2M)
IJ.'HB.O'O
18, CS0.(W)
1012.
January .
February
March ....
April
May
June
July
August .
September
October ..
November
li,(SU,!0
l,M9,4O0
21,013.950
If., 103,450
16.21D.1W
ll.IM.M0
13,77.500
13.6j1.OM
16.172,300
Tl 11 mos..l2.n(2.W i21l.fil4.400 SM7.3rT90(t
iDecembcr . 21,52?,000 22.72J.SJ0
T l for year.23l,470,liO0 234.337,2tO j
There were nd less than 273 fires dur-
Ing November this year, causing a prop
erty damage of 110.000 or over In eaoh
Instance. A detailed list of these fires
appears on tho Insurance page, this is
sue. Classified according to their ilestruc
tlveness they nftord tho following com
parison: Estimated Iss- No. of fires.
10,000 to 20.000 102
20,000 to 30.0O) 41
30, to tO.OOO ; 3
60,000 to 7s.O 2C
70.000 to HV.UW
loo.ooo to 200,000 :
200.000 and over - 14
Total 273
The fires which were credited with the
greatest destruction of property during
the month were the following:
St. IajuIs, Mo., hotel nnd othpr. .. J2,O00
Montreal, Quebec, bag factory nnd
cordage works ., 4iw,oo0
Antloch, Cal., paper and board mill 400,000
Philadelphia, Pa., stove work 200,000
Indianapolis, lnd packing plant.. 400,000
yan Antonio. Tex., cottonseed oil
plant SW.OOO
Ilrooklyn, N. Y., sulphur wotks and
other 24.I.OOO
Ioslle, Ark., cooperage plant 100,000
College Park Md.. oollego building. 300,000
Hurrtng ome largo fires beforo Decern-ber.-closes,
It seems likely that the 1312
f'lro loss will be lighter than the sums
chargeable against V.U0 and 1911. The
December losses so far Brc quite mod
erate nnd underwriters do not expect the
fires to beoomo numoroiiH and expen
sive until a cold snap commences.
Fraternal Orders in
Illinois Compromise
Material modifications In the Mobile
bill for regulating frnternals have been I
nnreed upon, according to' the OhlcaR I
Hecurd-Ucrald, by the Insurance depart
ment pt Illinois und tho fraternal or
ganizations. The compromise, It Is be
lieved, will do away with tho widespread
opposition to Increased rates. The two
factions of tho fratcrnals arc said to ba
satisfied.
Tho compromise modifies the Mobile
bill by providing that where Increases
to adequate rates nro made such of the
members as do not cure to' go on thn
new rates, but are willing to take-thrlr
chances at the old rates, may do so.
Tho bookkeeping of the two classes of
membors Is to be distinct, and the mem
bers who prefer to go on nt the old rates
nro to bo given an annual statement of
the condition of thplr account, so that
they may know how much protection is
hack of their certificates.
The division of tho existing funds of
the ordors ns between the two classes Is
properly provided for. and thereafter
each class goes iihend on Its own experi
ence. This takes caro of those who aro
opposed to Increnses of rates, regarding
thorn as unnecessary, nnd still provides
for the others who understood that
higher rates are necessary and nre will
ing to pay the price essential to com
plete the fulfillment of their contracts.
PHiiiTiNr; nr,in :i:i) riitn iiatp.s
Companies in Un Inln Court Annlnxt
Kentncky Cut,
The outcome of the controversy over
fire Irmuranco rates in Kentucky will be
litigation In state and federal courts
against the order of tho stntn putting In
force on Decomber 15 a reduction of rates
of 25 ar3 2S per cent on farm and city
dwellings, respectively. Pending action
by the courts the companies will abide by
the new rates.
The suit will attack the new rates as
ummsonnhle. thn sfnte rutlnir In w-nro.
v-i.rii,.. nnv rnre mnrie under n mud lie
..,,nhi:
reasonable.
Thn suit In the federal cijiirt win be In
the nunui of tht citizens of Missouri and
other companies, and will ask un lujuno-
j tlon to restrain tho state from enforcing
the law, on constitutional grounds as
j well as those alleged In the state court.
Before aSiy reduction In rates was or
i dered the state rating law was attacked
1 tho injunction usked
for on tho ground
that there was no assuranco thut the
rating 'board would make an unreason
able und excessive reduction. The court
said, li.iwevor.Ybat in cate any such ac
tion wits taken It would be ready to bear
the companies and grant any relief
needed.
The Kentucky actuarial bureau Is pre
paring to begin at once the enormous task
of reratlng specifically all the dwellings
in the state under the new basis schedule
laid down by the state rating board.
Assets of Compnnlra.
(Some interesting statistics as to the as
sets of life Insurance companies were
given at the recent meeting of the Asso
ciation of IJfe Insurance Presidents In
New York. It was shown tbnt the assets
of life companies doing business In the
stale of New York, which are estimated
at about 00 per cent of the total assets
or the companies on tun rountry, were
$:.CW,0CO In 1M0. NlsiWO.OO) in 1SSO. $1,724
CCO.000 In 1900 and W,W!t,Cfl0,a In 1911.
Thi iurl were Invested, approxi
mately, as follows. Stocks and bonds. 4$
per cent; bonds and mortgage. 31 per
rent-, loaim to uollcvholders. 13 per cent;
real estate, 4 per rent, and cash and mis.
cellaneous Items, 4 per cent
Capital, S200.000
Fire Insurance
A. J LOVE, Qensral Kanagar.
TOIJND INSURANCE FIELD
It-tal Problems Discussed at Meeting
of Life presidents.
FITTING POLICIES TO THE MAN
-'f-ltr for r.ilnent toiinl Cnmnala-n
Ifuiliist Prevrntnhle Illsensett
.'rP i,HHrH fr :ot emhrr
Insarnni-e Note..
Two considerations strongly emphasized
at the convention of life Insurnnce
presidents In New York City rclHted to
conserving public health nnd the adjust
ment of policies to the financial ability
and age of the policy holder. Dr. Allan
J. McLuUgllIn of tho I'nlted Slates
Public Health service, dlscuised the
former and Duvld Parks Knckler. former
president of the Actuarial Society uf
America, the latter subject. Wide va
riety mnrked the addresses delivered by
Insurance officials and state superin
tendents, but tho dominant note was
betterment of the service and safeguard
ing the health of the policyholders.
Mr. Kackler said the old fashioned
policies, giving a uniform amount of In
surance for the wholo life, are as much
behind the oge as tnllow candles In
these days of electric lights, and should
therefore be retired from general use,
Just as was the iercentage method of
making dividends when the sources or
surplus came to be understood.
"As a doctor who takes his own medl- i
cine." said he, "I would state that through I
my earliest Insurances, beginning over
fortv-flvo years ago. were takon on tho
old-fashioned plans, ordinarily, or llmltid j
payment life and long endowment, my
later insurances, taken within the last
twenty-five years, have In the main
embodied the principles which 1 now com
mend to your attention,
JN'rcds Insurance.
"The average family man needs in
surance , most while his children are
young, and will need It less after they
are wholly or partly grown up, when
they will probably be able to contribute
to the support of their mother. On
thrKe accounts It follows that men gen
erally need a greater amount of Insur
ance before the age of sixty than after
wards. If we replace the ordinary life
policy by a form of contract which will ,
gradually curtail the Insurance after
the age of sixty Is passed, we can for the i
same cost glvo a ather a much larger
amount of Insurance up to the age of
sixty, and also free him from nil pre
miums at the ngc of seventy or seventy
five, when he will probably cease to be
self-supporting."
KlKiires on Uentli Itnte.
Dr. McLaughlin presented astonishing
figures on the death rate from prevent
able 'diseases. Taking typhoid fever us
nn example he said that 17:,C00 cases
In this country could be prevented every
year by a cajnpalgn of education, with
an annual saving of 16,20) lives, and
added Items like the following: That the
economic loss caused by typhoid fever
In this country was JIOO.OCO.OOO a year;
that in fifty of the largest American
cities the typhoid fever death rate aver
aged twenty-five persons per lOO.tflO popu
lation, as against 6.6 persons per 109,000
population for thirty-three leading cities
of northern Europe; that In 1909 there
itwtfti f.ibAu if tvnhnhl fttVpr ill
Jtho UnUcd sutes U)an thelp were casp9
or plague In India, though India's popula
tion Is two end one-half times as great;
that every case of typhoid fever was
due to somebody's Ignorance or care- i
lessness, j
Itriiresentittli e Klirures. j
Twenty deaths per lOO.WV' McUtughlln
went on, "probably represent U00 cases of j
typhoid fever. Suppose 200 cases of j
Asiatic cholera occurred In an American
city of 1C0.C00 population. Would not
strenuous activity bo displayed for tho
eradication of the scourgo? Although tbu
mortality ruto of typhoid fever Is lower
than that of cholera, yet typhoid fever Is
ii alia iiiirai i-iu, in iiiuiv t t. j t1, id .v,.i -
pensive In Its lingering course, and more
disastrous In its sequels than Asiatic
cholera.
"The mental attitude toward typhoid
fover displayed by many physicians aril
especially heHlth officers Is scarpely more
commendable. Their complacency In the
face of typhoid fover rntes above twenty
deaths annually per 100.000 population. Is
difficult to explain. If the rate Is below
twenty, many municipal officials are In
clined to bo satisfied with this rate, as
It Is low compared with less foitunate
cities."
From January, 1907, to October, 1911,
sntfd Dr. McLaughlin, there occurred lu
Russia 2S3.GS1 cases of Asiatic cholera.
This Included the appalling epidemic "f
1910. According to n conservative esti
mate there occurred in the United States
during the sume period 1,2(30,00) cases of j
typhoid fever, or more than four cases
of typhoid fever In the United States
for every cuse of cholera In Russia.
No 'single measure In reducing typhoid
fever on a large scale approaches the
effect of substituting a safe for a pol
luted water supply. KVery case of typhoid
fever Is due to somebody's Ignorance or
carelessness. Now lu regard to careless
ness or criminal negligence, tTie punish
ment thould fit tho crime, but for Ignor
ance the remedy Is not punishment, but
education. It Is precisely In this matter
of education that your association ran
achieve the greatest good. The eduot-
tlunul campaign must be directed against
Improper disposal of sewage, Impure milk
supplies, tiles, uncontrolled cases of
ty-
phold, and, above all, against contain!
nated public water supplies."
.
Committee tn Irc)ure Hills.
The St. I.ouls Association of Surety
Underwriters has uppolnted a special
committee to prepare -bills for the next
Missouri legislature to amend the state's
surety laws. It will ask that a fiduciary
In probate matters bo permitted to
chargo the premium for his bond against
the state, and that a pumic otiicui be
permitted to charge tho cost of his bond
against the public expenses.
Wit. X. AXVAHSOH, Bserstary.
Co. of Nebraska
KrJ NATIONAL y
gjASUAtwri
First Fidelity and Casualty Co.
of Nebraska.
First In premium Income.
First in the esteem of the In
suring public.
Record for last year:
1. National Fidolitv and
Casualty Co. $l27i84;W:
2. Competitor. 5)0,54!).u8
Competitor. 50,159.07
4. Competitor. 20,49().4:
We bon'd more people thnn
any other company In Ne
braska. Our accident policies
are the Insuring kind..
National Fidelity & Casually Co.
Nat'l ridellty & Ca malty Bldg.
Omaha, Bsb.
Edwin T. Swobe, Pres. ana Qen'l Mgr.
Jay D. Foster
I
Foster-Barker Company
Fire,
Liability,
Automobile,
Burglary,
Brandeis Bldg.
WALTER A. YONSON
B. L. BALDWIN & CO.
Established 1831.
OENEKAX. INSURANCE
S09-10 rirst national
Wheeler &
KEI.IABI.E INSURANCE
Or ALL KINDS
1511 Dodge Street.
m
MARTIN BROS. & CO.
GENERAL, INSURANCE
BARKER BLK. TEL. DOUG. 735
Nat IVIeistep
Successor to Hastings fc neyden Insurance Agency, has moved to 1313-14 City
National Bank Building, and will continue to conduct a
GENERAL INSURANCE BUSINESS.
PHONE
Hang a Policy
ou the Xmas tree, making wifey the beneficiary.
There can be no finer present. It would de
light her and do yon good.
But Be Sure
that said policy is issued by that strong, pros
perous Western Company
The Bankers Reserve Life Company
OF
Bascom H. soblson, Pres.
Xay O. Wagner, Boc'y.
n
'''Hlrfiiali-Ralilriirfi&Cn.
n w.w0.. -0- p
71' I wnWT-V In .-.!." nnnl.l In
It Is MONEY In your pocket to v
place iusuranco with the agency i";
that looks after Tour Interests
when you meet with a loss. p. i
We do this and have for twen- j$
ty years. Our policies are best p J
let us convince you. A telephone Sj
call will bring a representative, ji
t;
j SJ
, R
t J
&
SC. Baldrlge John W. uadden
T. A. Crslgbv
is
Insurance, In
Webster,
'Phone, Douglas 970. -i-
BOOST POB OMAHA
The Columbia Fire Underwriters
OF OMAHA
Home Offices Entire Third rioor Merchants National Bank Building.
Phone Douglas 451.
3. O, Talmage, Manager.
J. H. Mithen Co.
INC.
921-4 CITY NAT'L
BANK BLDG.
Surety Bonds
Employers Liability
Automobile Liability
Burglary
Plate Glass
Joseph Barker
Tornado,
Accident,
Plate Glass,
Bonds, Etc.
Phone Doug. 29
W. LEROT WrDCOX
Telephone Dong. 271.
Welpton Co.
Phone Douglas 186.
J
D. 1703.
J
OMAHA
B. I. Koblsoa, Vioe-Pres.
W. a. Preston, Trsas.
INSURANCE
FIItH TORNADO
AUTOMOHlIiK
I'liATE GLASS UOILUH
ISUftGliAKY HKAIril
and ACCIDENT
ALFRED C.KENNEDY
5100 First Nat'l Hank llltlg.
Telephone) Douglas Tlili.
All Its Branches
AT
Howard Co.
-:- -I- :- 328 Bte Bids;.
il
INSURANCE
1
M. E. tas, Assistant Msnsgsr