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
