Image provided by: University of Nebraska-Lincoln Libraries, Lincoln, NE
About Omaha daily bee. (Omaha [Neb.]) 187?-1922 | View Entire Issue (March 3, 1913)
THE BKK: OMAHA, MONDAY, MAHClf, 3. 1M.1. Before deciding on your Insur ance "phono D. 1275, and aV auout tho new tow eost, nil guaranteed pol icies, all plans. Life, Limited Payments. En- dowtnantK, Joint nr Pert- slon Pollclos, " In Prudential Xua. Co. or Aml Inc a a Stock Co.. by New ,A.v ftr ?CD. 0ATh7 Mr?y I'or Nebrnsltn o....... M1S-M City natu BX? Bld' oa J f3$ Northwestern Mutual Life Insurance Company OF MILWAUKEE MANN & JDNOD General Agents 538-544 Urnmlcls nulldlng, OMAHA Notes from the Insurance Field Equitable Life Assurance Society St U. S Assets over $500,000,000. Paid Policy holders over $815,000,000. H. D. NEELY & 00., Managers H. D. NEELY .TOE KLEIN Merchants Nnt'l Hank IHdg. e. u. pickard Obey That Impulse! Not ths man who INTENDED but the man who INSURED left provision for his, family. G. W. NOBLE, General Agent. CHAHI.E3 X.. HOPPER, . Special Affent. O. KITCHMA1T, Special Ajrsnt. orrxorst 630-643 Brandoia Blflff. Omaha. THE Union Central Life Ins. Co. OF CINCINNATI, OHIO HARRY O. STEEL General Agent. 311-313 Bamffe Bldff. Phone D 3163 GERMANIA LIFE GAINS FOR 1912 Insurance In force J138.615.235 Rain of ." taunts . .. IS. 20.i. 861 RHln f - '' CLARENCE N. ANDERSON, Manager. 430 Bee Building D. 2266 Omaha, Nebraska CONSIDER THE ROTTEN RISK Lure of the Premium Boosts Firebug's Business. the INDIRECT COMPULSION WORKS t'ompnnlrn SIiimtii to tllsllUr the Shnil.v Itlnk, hut A unit nml llrnkrr Mnst Itr Arroin-innilnteil. "State Mutual Life" OF WORCESTER, MASS. ONE OF THE 0LDEST-69 YEARS and Dost Companies on Earth. W. H. INBOE General Agent 053 lico Building, OMAHA OBOANXZBD 1845. The Mutual Benefit Life Insurance Company of NEWARK, HEW JERSEY GEO. T. BLANDF0RD, Oeneral Affent. I 416-10 City National Bank Dlflff. 1 Omaha, Nebraska. J $100,000.00 Of Interest Bearing Securities deposited with 1 ho state. $750,000.00 Of Capital and Surplus, with nearly $4,ooo,ooo;oo ' - ; Of assets. These large funds lie at the foundation-of -nil policy contracts of ' THE BANKERS. RESERVE LIFE COMPANY OK OMAHA. HASCOM II. HOHISOX, Pres. H. H. C. WAGNER, Scc'y. W L. HOHISOX, Vice Pres. G. PHEKTON, Tieas. WHEN A MAN IIe owes it to himself and his business to LIVES CLEAR UP Provide adequate life insurance the un TO HIS INCOME expected is always, happening. See TQM KELLY INSURANCE MAN" ZIOXXTT Mil. LIONS ASSETS DOUllaa B61. ( A. J. LOVE, President. FRANK J. HASKELL, Sec'y. T TT 4 111 dT Love-iiasKeii company Known Kind of Insurance Every ItM-iiS-f Omnha Nntfl Bank HWr. riionc Donglas 380. lei the Buyer Beware SEE US BEFORE butting another pompx of instxbanoe. IN ANY BRANCH GALLAGHER & NELSON General Affent Xlllnola Surety Co. 483 Brandais Bldff. D. 33S2 $4,900,000 The flffures above represent the amount of Insurance In force In The MmAre ytma policy holder? There are over three thousand now In UiIb com- Pany ?n? ,n.unlu.lr '&w York? Rome of their companies . airindv so blr that they do not advertise the amount of their assets for fearifVoufarerinbt!ieCmaTket"for life Insurance of any kind, call or write THE MIDWEST LIFE N. Z. SNEI.Ii, Prealdent. A Nebraska Company. Soma Offices: First National Bank Building; Elnooln. A. A. TATLOB and dEOBOE OBOCKBB, General Affents, Booms 1313-1314 City National Bank Building', Omaha. Spend money to save money If you have anything to sell invest a small sum in Bee classified advertising. The resulting sales and their profits will prove to you Money is sved by judicious spending Bvery second fire In the center of an American or Canadian city is a fire for instirnnco money. With this' unequivocal statement Arthur McKarlane opens his discussion of the "rotten risk" In Collier's Weekly. Tho .statement Is fortified by the private ad missions of Insurance men and by their experience tables," which show that one-half the Insurance money Is paid outj for Incendiarism. "IJvery yenr," says the writer, ''our lntiuraii' companies open their doors wider. Directly or Indirectly tho honest man pass an ever-lncrenslnt? Insurance tax. The number of our fire crooka and the millions they arc making have double.! In fifteen yenrs. Vet our gieiit Insurance companies, far from rais in any voice of united protest, have prac tically nothing to say about arson what ever!" The inspiring cause for this deplorable condition the writer truces to the com mission system 4uf paying for Insurance business. Agent and biukcr. singly and together, split the price of Insurance money. The higher the Insurance rale the greater Is the commission. A question able risk yields the top premium nnd nets the lorRer commission. Consequently, while the shady risk Is not sought , by regular agents, the broker comes In with the dubious business and finds takers. Instances In New York are related where tho company agent refused n shady risk offered tllrectly. yet Issued n policy on Iho same property handled through u broker. The system of Indirect compul sion is thus explained: Uotllnn hf Ilunlnes. "The fire Insurance agent Is, In Amor lea, still tho certificated representative of tho company. Hut, In America, one agent may represent ten, twenty, fifty com panics, ills loyalty Is In like measure di vided. At bottom, the position of broker and agent Is almost the same. In New York they can hurdly be distinguished. A great agent may alio have his fKXJ.OOJ or $500,000 In premiums to bestow. Iloth agent and broker nro absolutely at one In this; only through them cun the com pany get tho business. And both alike must want to Insure those risks which pay them the big commissions. "Now In, every community there are the thousand safe or 'preferred' risks those honest, careful and law respect ing people to quote tho president of the National Board of Fire Underwriters himself 'who do not have fires, nnd who constitute the great majority.' Every company wants to Insure them. And there are also tho five or ten or twenty dangerous, hazardous, or 'rotten risks' which the agent or broker. Is hungering to Insure. There Is no proof that tho sweater and the fire trap factory are ! going to burn; and all the 'repeater's' previous fires may have boon accidents. The averagp agent or broker will want to think they were. The crooked agent or broker will not greatly care. The broker and agent have tho bestowal of good and evil together. , Iloth alike j hold It to bo a first principle that that I company which will not take Its fair I share of their sort of risks shall, in the main, wlilrttlo for tho other sort. And tho wise company does exactly as they want It to do. No Compulsion. "The company could with virtue say i thnt It Is under no compulsion. The agent could with virtue deny that ho ' exerts any. This Is all ho does; when , he Bends In his list of 'preferreds' he i occasionally Inserts a risk of tho other ! bort. It the company throws It back on him, the company knows, and he knows, where he Is not going to send his next 'preferreds.' "If tho rotten risk Is a big one, no company can be expected to take It all. It Is spread around. Proportionate to the amount of 'preferred' business the broker brings to him, the companies ho favors allow hint a 1250, or a $300, or a J1.000 'accommodation line, which means that at any time ho can procure that amount of Insurance from each of them without a question. And since In a city llko New York or Chicago there nro al- , most 200 companies, even the biggest l rotten risks Is In general soon provided. The broker who controls a gilt edged business of JLOO.000 or more can demand 'accommodation lines' of $2,000 to 13,000. He can and does 'put over' all tho little rotten risks he wants." i.ouis v. guyewTll enter THE LOCAL INSURANCE FIELD Nebraska's retiring state labor commis sioner. Louis V. Guy. has gone into the Insurance business and will make a spe cialty of employers' liability and work men's compensation Insurance, Mr. Guy has given considerable study to this line which Is rapidly becoming one' of the most Important In the entire realm of insurance. Ily reason of his long exper ience In factory and shop inspections and his familiarity with all such laws In Ne braska ami other states ho Is well fitted for this line. Mr. Guy will be associated In business with Harry S. Byrne, the gen eral Insurance and surety bond man in the City National bank building. each your, no less than W8O.C0O are utie to' preventable diseases. The Northern Casualty company of Aberdeen, 8. D., has taken over thf business of the Northwestern Surety company of Mitchell. S. 1). Both are new and small concerns The Insurance department of Michi gan has entered suit against foreign companies to recover $20,000. the amount of penalties Imposed by law for Issuing policy In excess of 10 per cent of the capital deposited In this country. Harry S. Hymn has been given the general agency of the Iloyal ISxchange Assurance of l-otuton. one of the lending, fire and marine companies In the world It makes n specialty of automobile In surance. Mr. Hyrne will have tho state of Nebraska as his territory. The legislatures of West Virginia, Wyoming, Oregon and South Carolina have adjourned, none of them having enacted any Insurance measures of Im portance. The only Important fire In surance hill which has so far become a law Is tho one In West Virginia giving the Insurance department supervision over the '-ntc-malilng bodies, It being bused on tho New York law. An Important change In the agencies ot casualty companies took place In the last few days when Marry I. Mnllo. state agent for tho Maryland Casualty rompan of Haltlmore, resigned to take the stnU agency of the Globe Indemnity company, tho running mnto of tho 1 I & Co. He Is succeeded In the Maryland company by the Haldrlge-Madden company who have hail a local agency for the same company. NEBRASKA BOY IN BONDING BUSINESS AT BUENOS AYRES The National Surety company of New York has chosen a Nebrnku boy to bo Its first manager In n new foreign field Tom Moonlight Murphy, who graduated nt the stoto university and who married Miss Mayone, Thompson, has been mndn general agent nt llucnos Ay res nnd will have full charge of the business In the Argentine Hepubllc. The National Surety company has considerable business In that field which Is rapidly becoming on of the world's best beef producing coun tries. In such position Mr. Murphy will look after tho business of bonding em ployes of tho Standard Oil company. Armour & Co.. Swift Co., nnd other big concerns. Melody nf I us urn nee Mnu. Charles U Tompkins In Insuranco Ad vocate. ' He never had an accident, His health was always good; He'd never died or even tried And dtdn't think he would. . Ills money ho could best Invest And have It at command: Why people should do otherwise Ho couldn't understand. And so ho turned the uceut down With arguments like this; But theories of mice nnd men Will sometimes gu amiss. He signed a note to please 'a friend And got It In tho neck; He broke his lec and caught a cold The doctors couldn't check. Pneumonia followed In Its wake , And kept him long In bed. Until his bnnk account whs nil And he was all but dead. Misfortune marked him for hor own. Ills wisdom failed In need; To late, ho realized that fate Wns very hard' Indeed. Meanwhile tho ngent went his way, Insuring right and left. And headed a subscription for The wise man thus bereft. True wisdom Is a subtle thing And somewhat rare, 'tis said: The man who never makes mistakes, I understand, is dead, WESTERN UNION IN NEW HOME Now Installed in Magnificent Quar ters in New W. 0. W. Building. HAS TWO ENTIRE FLOORS All the t.ntent Contrlvnnrrn Known (n Fncllltntr ItiindlliiR of Mrn nxrs Hnvo llreu. Installed tiy the Company. w ( national! vg FiDEirtYefiry Prominent Speakers to Lecture for New Labor Temple Fund The building committee of the tabjr temple ias secured a list of lecturers who will speak for tho purpose of raising money to help defray the cost of a now lubor temple. Among those who are to lecture ure: Archbishop Keano of Dubuque, Rev. Charles Stelzlc of New York, Charles Kdward Husscll, J. Phelps Htokcs, com monly known to be the mllllonalro so cialist; Dr. Kmll G. Illrsh, ltcv. Frank W. Gunsaulus of Chicago, Mrs. llay mond Itoblns, ltcv. Charles S. Sledbury, Bishop W. M. Boll, Rev. Kverett Dean Martin, Rev. Kdward Hlslop and Rev. 11. B. Pcery, president of Midland college, Atchison, Kan. The first of these lectures Is to be given by Rev. R. B. Peery, whose subject will be, "Abraham Lincoln" and will be. given at the Lyric theater at Nineteenth and Farnam, streets on March 7 at 8 p. m. Tickets for the entlro course are being sold at $5, every cent of which goes to the building; of the temple, except the ab solute expense thereto. Single tickets at CO cents are for sale at all leading drug stores. SURETY UNDERWRITERS ASS'N ELECTS OFFICERS The Omaha Surety Underwriters' asso ciation has fust elected officers for the ensuing six months. These are, president, Phillip Potter, American Surety company; vice presldont, Harry 8. Byrne, Kqult able Burety company, am) John H. Mlthen. Fidelity und Deposit company; secretary and tieasurer, S. II, Oriffln, American Surety company; executive committee, K. II. I.ulkert, Lion Bonding and Surety company; K. T. Swobe, Na tional Fidelity and Casuulty company, W, II. Wheeler. National Burety company, and H. A. Koch, Massachusetts Bonding and Insurance company. 4 NO FURTHER VICTIMS ARE RECOVERED FROM DEWEY HOTEL RUINS (Continued from Pago One.) could not find his name on the register 'and are searching for him. It. II. HICKAIIU IIUIUKI) TODAY Kunrrtil of Cuarlea CnininliiK Will He Held Tueailny Afternoon. Funeral services for Miss Alice Bonno vle, victim of the Dewey fire, were held at 2 o'clock yesterday afternoon from the chapel of Coroner Crosby. The body was placed In a vault at Forest awn cemetery. Charles Cummlngs, another victim, will be burled Tuesday afternoon in Ever green cemetery. The services will be held at 2 o'clock at Hulso & Rlepen's chapel. The funeral of Renfree H. Rlckard will bo hold this afternoon at 3 o'clock In Brewer's chapel. South Omaha. Rev. R. L. Wheeler, will huve charge of tho services, and three live stock dealers and three men from the brand Inspector's force will aot as pallbearers. They will be John Robb, Steve Franklin, -orge Carley. George Van Sdnt, Harry Arnold and Guy Hills. Ilrnton Joins Hyrne. Paul A. Beaton, the well known young society man, has gone Into the general Insurance and surety bond business and will be associated with Harry H. Hjrne ai wi i.i i y ivauonai nana uuuaing. .Mr Beaton intends to specialize In the ac cident and automobllo lines. As he has a host of friends great succets Is predicted for him. Inwurtunet; Soteu. Life insurance e pert a estimate that out of 1.D00.0U0 deaths In the l lilted States Cliroule Stomach Trouble Cam). There is nothlnr more discouraging than a chronic disorder of the stomach. Is It not surprising that many suffer for years with such an ailment when a permanent cure la within their reach and may be had for a trifle? "About one year ago," says P, H. Beck of Wakelee, Mich.. "I bought a package of Chamberlain's Tablets, and since uilng them I have felt perfectly well. I hd previously used any number of different medlelnes, but none of them were of any lasting benefits." For sale by all dealers. Advertisement. At midnight the last of the Ml wires of the Western Union Telegraph company had been cut over from tho old building of tho Omaha National bank on Thir teenth stieet and connected up In th new and palatial quarters In tho Wood men of the World building. Fourteenth and Farnam streets. Flvo minutes later. W. J. Lloyd of Denver, general manager of tho mountain division of the company, upprlscd Vice President Brook of th fact at his homo In Now York and back camo "Thank. The Western Union Is now nt home in the Woodmen of the World hulldtng. oc cupying 21,(l square feet of space. It occupies tho wholo of the fifteenth nnd sixteenth stories, a portion of the groun.l floor and a large section of tho basement That tho equipment of the Omaha of flco Is the best, most modern and ex pensive In the world Is vouched for by General Manager Lloyd, Division Plant ihioilntondcnt Tltley. Division Auditor Cnrvor ond Division Trnfflc Superintend ent Brooks, all of Denver, who hnvo been hero some days assisting In the transfer of tho oTflco from tho old, to the new location. The company pays a neat little sum for tho new quarters Tho rental Is $2t.00ii per year on a twenty-year lease, with un additional tn years on an appraisement proposition. To Miw 'I'lino, ISvcrythlng In the new offices has beo;i built to fit and with u view to annihilat ing time, for about overythlng new In tho telcgraphlo orld has been Installed. As soon ns tho lease for tho quarters In the Woodmen building was signed, measure ments were taken and every bit of ma chinery and every pleco of furnlturo nnd equipment -jvns made to fit tho space that It now occupies. This was done, regard less of cost. In tho new quarters tho telegraph com pany has provided comforts for the convenience of tho employes, ns well as putting In a modern plant for the hnndlln? of business. On the fifteenth floor where tho telephone department Is located, there aro largo and well lighted rest rooms for both men nnd women when they arc off duty. Theso are furnished with easy chairs and couches, tables, books, magazines nnd papers. In tho women' rest room there Is a cosy corner where thora Is a kltchcnrt, n table and a gax stove. Hero the women can practically do light housekeeping, making their coffee nnd warming up their lunphes. The sixteenth floor of tho building f given ovw to tho company's big operat ing plant. Lined up mid riming north and south are nine double tables extend ing entirely across tho room, each table having spaces for nlno operators on a side. And hero . Is where modern mechanism has been applied, for tho Mini mi n distributing system, tho first In use in tho world has been Installed. .Mtu-hi nr thnt Think. Over in the extreme northwest corner thcro Is a machluo that apparently can do about everything except think. Up through tubes from tha city office on tho first floor, tho messages for transmis sion nro shot by air pressure. They fall upon a broad table that Is In front of the clerliH around tho machine roferred to. Picking up theso messages, those clerks feed them InUi tho machine that grips them In steel-like fingers and starts them traveling around tho south sldo of tho room, following an endless track. Providing a message Is going to Now York, when It reachos the table occupied by the operators working tho New Yprk wires, It is dropped into n basket. There it Is picked out by a messenger and hung on the hook of tho operator, who is next "out." , When messages come In over the wires they nro carried up to the dlstiib utlng table, not by messengers, as under the old plan, but by bolts. Running through the center of each table there runs a belt twelve Inches wide, speeded to four and one-half miles per hour. This belt, at the north Bide of tho room, connects up with a belt that runs across the ends of tho tnbles and at a speed of seven and one-half miles per hour. When an operator finishes taking a message, he throws it on tho belt In front ot him. This carries it to and drops It on the main belt, which carries it along to tho distributing table, where it Is checked and sent down through a tube to tho city office and there prepared for delivery, or telephoned out to the party for whom Intended. As to telephones, n complete exchange is Installed on tho fifteenth floor, it occupying a separate room. Hero there are three doublo switchboards, accom modatlng six girls, who handle tho out business of the city to those who have telephones. They also handle the busi ness of customers who phone In and re quest to send messages. You call the Western Union and simply say "Mes sage," and you get one of these oporat or. Repeat to hor the message you de sire to send and she copies It on a type writer. A minute later It Is sent to the operating room and almost Instantly It Is on tho way. In the operating room, every lnstru ment Is new, tho old ones having been discarded. Then, too, there Is tho print ing department, whore the heavy bus Iness is handled on the long dlstunoo trunk linos. In tills department five of the printing machines are In use, each having a capacity for 120 messages of iniriy worus eacu per Hour. The ma chines have a keyboard similar to the typewriter. An operator gets his con neotlon and writes the message on tho machine In front of hltn. At the other end of the wlro, sy lu New York, San Frunclsco, or unywhero else, where the hystem Is In use, the measage is printed automatically on a machine, doing away with the receiving oporntor. In order to keep the supply of telegraph operators Intact, n, vcliool for teaching telegraphy has been established. It has a oapaoity for handling thirty-two students. who will bo drawn from tho messenger forco as needed. PREMIUMS. Decomlior 31, 1912 $184,000.00 Uecenibrr 31, 1911 $159,973.43 December 31. 1910 $122,518.54 December 31. 1909 $103,430.44 December 31, 190S $30,793.03 Decomlior 31, 1907 $1,776.00 Accident, Fidelity, Surety Bonds, Plate Glass, Burglary. J. H. Mithen Co. INC. 1)21-1 CITY NATIONAL nANIC IHYPQ. Htircty Honrts, Employers' T.ln lilllty. Automobllo Liability, Iliirsrlnry, Pinto Glass. INSURANCE 4 Good Opening For ProdncoTa CONTINENTAL CASUALTY COMPANY Largest oxcltmtvo HoaJth nntl Accident company in tho Unltorj Stntcs. L K W l S V. O II V M , District MftnnRer. nil Pnxton Hlock. j3y D. Foster Josepharker s Fstr-irkr npany Successors to H. E. Palmer Son & Co. - Accident d Health Insurance LIBERAL CONTRACTS Losses adjusted by ua right horo in Omaha, Scalded by .Strum or soorchod by it frev appjy Buckleu's Arnica Halve. Cures Piles too. und the worBt sorts. Guaranteed. Only '& cents. For sale by Bi-uton Drug Co. Advertisement. Brandeis Bldg. Phone Doug, 29 I WAX.TSB A. VOXTBOR B. L. BALDWIN & CO CO0-1O First mt.onal Establlsliea 1031. ESTXSAX, ZK8UUAS0B Talaphono Dattg. 971, Wheeler & Welpf on Co. 1B11 Dodge Strt. BBX.XAB3&S ZNST7BA3TOB Or AXXi XXXTDB Fhons Doofflfts 189, MARTIN BROS. & CO. GENERAL INSURANCE BARKER BLK. TEL. DOUG. 735 rnsunANOE hates abe iaeoely the same, but tsbbe is a sff. rBBBHOB IN BBSVIOB RENDEBBB Hco Mo I adjust losses. Nat lVIeistp GISNKRAL IN81MIANOE 1313-14 CITY NATIONAL BANK BVEGDINQ. . o. 170s, The BOOST FOR OMSSA Columbia Fire Underwriters or OlCHA Horn Offices Entlro Third rioox Marohants National Sank Bnlldlnf, Pnon Doujrlaa 481. SI. B. Lmn, Aaslstast Maaaya, 3. O. Talinnga, Managar. B A L D R I G E-M ADDEN CO. GENERAL INSURANCE ' Phona Boner. 900. Baa SaUdln, -INSURANCE- FIRIV-TOUNA DO AUTOMOBILE PLATE GLASS BOILTSB. UUItGLAUY HEALTH nnd ACCIDENT ALFRED C. KENNEDY 200 First Nnt'l Hank Bltlg. Phone Douglas 72a. "LION" BONDS Are worth 100 cents on the dollar. Jt costs you no more to cover your employes with a dependable bond than it does with a questionable one. Our Bonds are Free From Technical Phrases;. Lion Bonding & Surety Co. w. o. w. Bidgr. Phone Douglas'"678. Insurance, In All Its Branches I AT f Webster, Howard Co. I 'Phona, BOUfflas 070. -I- -1- -1- -I- 338 Be Bldg. 1