Tim BKE: OMAITA, MONDAY, M AliCTT 24, 1013.
T. " T. "
Heriro deciding
on jour msur
a nee 'phono D.
1275, and Vk
about the now
low iost, till
guaranteed pol
icies, all plans.
Llf . Limited
Payments, En
d o w m e n t s,
Joint or Part-
poiatton and Monthly Inconve or Pen.
Minn l'r 1 1 r I a
The rrndential ins. Co. of America
Inw ar,SclJ,.ro-' y -N'ew horsey
M. BHtTCE CARPENTER, Mgr.
.,oiT,r,raaka.nnl Soul Dakota.
" - muH,, uniauK
Equitable Life Assurance Society & U. S.
Assets over $500,000,000. Paid Policy holders over $815,000,000.
H. D. NEELY & CO., Managers
H. I). NEELY JOE KLEIN E. II. PIOKARD
Merchants Nnt'l Hank BIiIk,
Oboy That Impulse!
Not the man who INTENDED
but the man who INSURED
left provision for his family.
G. W. NOBLE,
General Aran.
CHARLES I,. HOPPER,
Spscl&l Agent,
ff. O, XXXCXUAIT, Bpsclal Agnt.
OFFICES!
038-643 Erandels Blag. Omaha.
RECORD TOE riTTT
Received from policyholders
Paid to policyholders
Assets
3
S136.796,a3ai
Net gain to policyholders after payment of -, u ,., ...
all expenses and taxes j .,'",L '-
THE OERMAHXA ZiZFE INSURANCE COMPANY Or NEW OK
CLARENCE H. ANEERSON, Manager. 430 Beo Building. Oinaho, Meb.
"State Mutual Life"
OF WORCESTER, MASS.
ONE OF THE OLDEST 69 YEARS
and Best Companies on
Earth.
W. H. INDOE
General Agent
052 Be Building. OMAHA
$1292,215.06
This was the total income of
THE BANKERS RESERVE LIFE COMPANY
of Omaha last year- It will be greater this year.
- .The Company is enjoying phenomenal growth.
BASCOM II. ROBISON, Pres.
HAY C. WILSON, Sec'y.
December 81, 1011 Eighty Million Assets
December 31, 1912. . .EIGHTY-SIX MILLIONS ASSETS
TRAVELERS INSURANCE COMPANY.
VAFma dTES'l I W "THE
( A. J. LOVE, President.
Love-Haskell Company
Every Known Kind of Insurance
814-324 Omaha Nnfl Bank Bldg,
Lit the Buyer Bewan
SEE US BEFORE BTJT1NO ATTOTHER POLICY IN AKY E RANCH
Or INSURANCE.
GALLAGHER 8c NELSON
Qenaral Agnt Illinois Bursty Co.
A BANKER'S VIEW.
Mr. S. II. Burnham, president of tho First National Bank of Lincoln,
says: "I regard a life Insurance policy ns one of the very best nssets a
man can have. It strengthens, his credit, gives him peace of mind, and furn
ishes protection to those dependent upon him. "No young man makes a mis
take when he buy his first old line life Insurance policy; neither does the
man In middle life when he Increases his life Insurance. Each Is apt to re
gret In after years that ho did not net sooner and take a larger policy."
Mr. Burnham wau ono of tho first to take out a policy with us, For
premium rates call or wrlto
THE MIDWEST LIFE
N. Z. SNELL, President. A Nebraska Company.
Homo Offices! Xlrst National Bank Building, Lincoln.
A. A. TAYLOR and GEOROE CROCKER,
Qnrsl Agents. Rooms 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 r
profits will prove to you I
X
Money is saved by
judicious spending
Northwestern Mutual Life
Insurance Company
OF MILWAUKEE
MANN & JUNOD
General Agents
5.18-514 Brnndcls Bulldlns,
OMAHA
THE
Union Central Life Ins. Co.
OF
CINCINNATI. OHIO
HARRY O, STEEL
deneral Affent.
JH-313 Bame Bid. Phone D2163
- THREE YEARS.
,
SS. 503,09.. 81
$48,20D,S6l.ii
Rooms
Best
Variety
The Dee classified nagea
carry advertisements of
I he best rooms and apart
ments for rent in the cit.
Phono your ad to
Tyler 1000
R. L. ROniSON, Vice Pre.
W. G. PRESTON, Treas.
INSURANCE MAN"
FRANK J. HASKELL, Sec'y.
Phone Douglns B80
.J
i
(Notes from the Insurance Field
FIRE DANGERS IN HOTELS
Alarming Frequency of Fires Where
Travelers Sleep.
DISCUSS MEANS OF PREVENTION
AYoldntilr IllsUa tlint ("nil no Spread
f Plre nnd KmlntiRer Llfe
nil Property lnmir
nnce Activities.
Hotels arc burning with alarming fre
quency in this country. During the first
dny of the year five hotels In widely
separated sections wore burned, two llvetf
were sacrificed and $100,000 In property
destroyed. During Jnnury there were
twenty-five fires, In three of them seven
persons lost their llvrs und property loss
totaled J700.000. From January 1 to March
J, Inclusive, there were . fifty-six hotel
fires. Including tho Dewey hotel In
Oinahu.
Commenting on this astonishing show
ing, insurance Engineering says:
A hotel fire every thirty-four hours
was tho rate of burning In 1912, and so
far In 1913 thcro has been a flro every
thirty hours.
From a partial list of reported fires It
Is estimated that the property loss In
average hotels throughout the country for
n period of five years has been over $23,
000,000, and the loss of life has been even
moro serious.
Hardly a day parses without news of
a hotel fire somewhere in the country.
Despite the encouraging progress In the
fire prevention campaign, hotel fires wore
more frequent In 1912 than In any of the
five yenrs preceding, nnd If the rate of
burning In 1913 continues, as It has
started, this year will sin push all others.
Nearly half of nil hotel fires occur
between midnight and 3 n. m., fully at)
porcent between 3 a. m., and 6 a. m. and
moro than In per cent between 9 p. m.
nnd midnight. In short, fully 85 per
cent of all hotel fires occur during the
night hours, 6 p. m. to 6 a. m., and 75
per cent during tho period of sleep.
A GroTvlnir Peril.
The momentous fact Is tint hotel perils
are Increasing. Defective hotels arc
growing moro defective.
The causes of troublo must be removed.
The difficulty in the way of Improve
ments Is the "Inertia of Investment," Im
provements that make for safety In
hotels cost money and there Is tho In
terest on the added Investment to con
sider. That is the way that most hotel
proprietors will regard this proposition.
Hut the Interest on nn Investment In
safety should bo figured In a different
way.
The Interest of publlo authorities In
hotel safety has been confined chiefly
to the means of exit. The elimination
and Improvement of conditions, without
which the necessity of exit might not oc
cur, have been disregarded.
What precautions should be taken?
If hotel owners will ask themselves thes-j
questions and do what tho answers should
Indicate, all necessary precautions will I
be taken.
Has everything been done to prevent
a fire? Fires can be prevented by re
moving possible causes.
Can n flro be Teadlly detected? It can
be by nn automatic fire alarm aystem
or by having a watchnyin whose tours
are registered In art approved clock.
Is It possible to transmit an alarm ot
fire to tho fire department without leav.
lng tho houso? Prompt transmittal -if,
nn alarm of fire requires that a upeclal I
signal box be Installed In the hotel and.j
In addition, an auxiliary system of boxes
throughout the house at any ono of
which the main signal box can- be oper
ated. What Is the method of alarming
guess? There aro certain cenvenlent
ways of doing It.
Sufeirnnrds for Onrsts.
How may guests escape quickly? Moit'
flro escapes aro installed under the com-
pulsion of the law. Hotel owners should
not wait to be compelled to do that !
which In the name of reason should be
done without delay.
Is there sufficient
apparatus with
which to fight a fire? Incipient flrea are j j, o. Chapman, widow of tho supervisor
often extinguished with chemical tire ' 0f tho pay roll audit dlvlslpn In the
extinguishers, flro hose and flro burfkets. liability department of the Chicago
Are tho employes of tho house organ-' branch office. She will receive $1,000 If
Ued to act promptly and effectively In the plan ns outlined In tho resolution of
cases of emergency In directing tho safe tho directors Is finally npproved by tho
exit of guests and In tho use of fire ap-1 committee named to perfect arrango
paratus? Organized house fire brigades ments. Tho proposition Is to pay a 1500
have performed effective service in the death benefit to all persons who have
big hotels In New York City. , been In the employ of the company
Is the design and construction of the three years and $100 more for each addl
house such that a fire will be confined tlonal year, with no ono benefit exceed
to the locality of origin and not spread lng )3,500. Mr. Chapman had been with
unrestrained throughout an entire story tho Travelers for more than eight years
because of lack of tire walls, partitions so the payment to his widow will Tla th'i
and fire doors, or from floor to floor (COO minimum and (500 accumulation,
because the elevators and stairways are Old age and disability pensions are also
not enclosed by fireproof materials and
the openings in the enclosures covered
with flro doors? Undivided floor areas
and unprotected floor openings nre crimes
In hotel design that are responsible for
the loss ot many lives.
Is the wall and ceiling finish of the
hotel of such a nature that fires may
spread in Its hollow courses so as to
Involve tho entire building? Hollow
wall and celling flnlh( Is a grave error
in construction that is responsible for
the destruction of many hotels.
Public Fire- Protection.
Has the city provided adequate publlo
flro protection for the defense of tho
house? There are many Instances whero
the hotel Is too big for the local fire
department; others where tho water
supply has been insufficient; others
whero hydrants have been broken, or
frozen. Hotel proprietors should be as
sured that the local fire department la
equipped to give the proper assistance.
Is tho house protected against ex
posure fires? Many hotels are byrned
by fires that originate in other building's.
By glaring windows with wlreglass in
metal frames a safe Isolation against ex
posure flros Is obtained.
A system of automatic sprinklers can
be Installed In such a manner that the
opening of a single head by a fire will
operate either a local alarm or one at
the fire department station, for it should
always he considered that fire depart
ment assistance Is necesary no matter
how small the blaze and that sprinklers
are a valauable adjunct to the publlo
flro defense. Thus three primary con
ditions of danger nre eliminated: (1) the
fire while not being prevented from
originating is prevented from spreading
either bv being extinguished or localized:
(2) the discovery Is not delayed; nnd f3
the alarm Is transmitted Immediately,
the response Is prompt, either bv the
hotel fire brUude o'' the rnibtl' fire de
( partment, and the water l shut off Just
as soon as the sprinklers ha,ve done
their work to avoid excessive wate
damage.
Primary Dntiurra.
Hy removing tho primary dangers, tho
secondary dangers are eliminated auto
matically. No longer is It a serious
matter that escape from the building Is
difficult; that the entire building may
hum and, possibly, burn adjacent build
ings, porhaps a considerable portion of
the city; and that tho public fire de
pnrtment has Insufficient hose, ladders
men and so forth, the sprinklers will
take tho place of many streams of water,
each requiring sovernl men, and dls
chargo the water whero It Is needed
most, which hoso streams cannot do.
Tho Influence! of the powerful com
mercial travelers' associations has been
felt In mutters that affect the con
venience of their members In travel. It
would seem that these organizations
could force Improvements In hotels. This
can bo done with tho aid of the services
of sonic competent safety engineering
Inspection bureau whose men could re
port on tho conditions found In hotels
and the Improvements necessary to make
them places of safe habitation. A classi
fication could be based on these reports
and commercial travelers could be
warned to avoid houses that were not
safe to sleep In.
Record of Fires
and Firebugs in
Illinois in 1912
The report of the flro marshal of Illi
nois for 1912 shows a total of 9,09.! fires,
ilth an average loss on each of $1,237
Tho total amount of fire losses was Jll.
240,540, but the fire marshal declares that
In spite of his efforts to procuro a com
plete record ho Is certain that a largo
proportion of the fire loss Is not reported
und that the actual loss Is much In ex
cess of $12,000,000. This would gtvo n per
capita flro loss for the state of $2.40.
The sound value of the buildings and
contents Jeorardlicd by flro was $W,9CT,
975, with Insurance Involved of $62,426,703.
The Insurance amounted to about M) per
cent of the sound value, nnd the property
loss was 12.5 per cent of the r,ound value.
The prlnclpnl classes affected were as
follows: Dwellings. 4.874; burns and gar
ages, 1,159; stores. 801, and sheds, 210. De
fective flues and sparks from chimneys
wero the chief cause of fires, with 1,359
charged against them, while overheated
stoves were charged with 790, careless
ness with matches, 743, gasoline stoves
and explosion, 622; exposures, 465, and
lightning. 319. while 2,304 fires wero re
ported as of unknown origin. Of tho total
fires reported 3,895 wi.-rc from Chlcugo
and 5,197 from outside Chicago.
Tho total number of Incendiary fires
was 448, of which 193 were In Chicago and
250 outside. It Is conceded tliut only a
small proportion of Incendiary fires are
reported, as most of these fires destroy
the evidence of their origin and It Is only
' occasionally that the proof of the crlm-
' lnalltv can be 'found. Of tho 418 Incen
diary fires reported 312 wero Investigated
and 191 arrests resulted. Ninety-seven
persons were Indicted, and forty-six cusos
were tiled, with thirty-four convictions,
while forty-two cases aro still ' ponding,
Of tho thirty-four convictions the motive
In twenty-two enses was to deirauu in
Aimnanles. pyromallla nnd In
sanity In "six, and malicious inlscmcr anu
revenge in three each.
Travelers lnsur.es -:
Salaried Employes
Group Insurance, which life and casu
alty companies have been writing during
the last year, has been adopted by the
Travelers for all of Its salaried employes.
This Is the first exponent of this form
G( beneficence to apply tho rule that
cmrty begins nt home. Tho plan wnu
favorably voted upon by tho directors
last week and four hours Inter a death
claim occurred. Tho beneficiary is .Mrs.
provided. Pensions are available tn all
who have been In tho employ of tho com
pany five years or more. The payments
will be one-half the regular wage or Fal
ury with a minimum of 1300 and a maxi
mum of J3.000 per year.
The insurance Is for all employes
strictly on a salary or wage basis. This
will apply on all people, from office boys
up, In the homo and branch offices of
the company.
Tho Travelers Is the first shoemaker to
provide footwear for his own children,
though It Is reported that tho Equitable
Life Is working on similar plans.
Bills to Check
Arson in New
York State
Two bills drawn by the fire commis
sioner of New York City, which are
designed to check arson and to make
fire Insurance companies responsible for
falling to investigate tho charaatcr of
applicants, have been Introduced In the
New Tork legislature.
The principal bill provides that no
Insurance company shall Issue a policy
unless it has rectlved from the appli
cant a statement giving a full descrip
tion of the property, whether or not
the applicant had ever been refused
Insurance and whether or not fires had
occurred previously In the premises to
bo Insured. The Insurance companies
are required to send a copy of this state
ment to the state fire marshal or to
the fire commissioner.
Tho bill provides that any officer "f
a company who falls to require a de
tailed statement from an nnplleant be
fore Issuing a policy shall he guilty nt
a misdemeanor and that companies that
l fall to secure such u state.nriit nnd to
j supply copies to the fire authorities
shall forfeit Jl.OUt) for every policy con
cerned. Making n false or misleading statement
to obtain Insurance l made a mis
demeanor. Workmen's (.'onipeiinnl Inn In Ohio,
Governor Cox of Ohio has signed the
compulsory workmen's compensation
bill, nppljlng to all Industries except
agriculture In that state when five ot
more workmen arc employed Under the
net every employer except those fnrmlna
mutual companies or permitted to enrrj
their own risks must Instivo with the
stato and pay Into Its fund such nunu
as are demanded. Tho law will become
effective on January I, 19H. ami on that
date, burring Injunction oT declaration
of unconstitutionality by the courts, the
liability Insurance companies will cene
to write nny new mploors' liability
policies and will cancel such risks as
Hie then In force. A feature of the act
Is that employers will contribute only to
the pure compensation cost, nil over
head being pnld by the general funds
of the state. Tho state monopoly was In
sisted upon by the politicians and labor
element, and Is expected to net about
$15,000,000 per year In premiums and a
very largo number of Jobs.
Iusiirntier Notes. j
The fire premiums In Michigan last i
vear were $9,737,970, with losses paid of I
w.ii.,iw, a iom ratio or over ro per cent.
Tho 1911 los ratio was CI per cent
North Dakota, which operate- a state
hall Insurance rund which has been forced
to scale Its claims each year has Increased
the rute per acre from 20 to 30 rents.
A special grand Jury will begin action
on the "arson mint" In Chicago next
Wednesday. Most of tho thirty men Im
plicated, for whom warrants have been
Issued, have not been located lv the of
ficers. In rovlowlng the Infurance huxnid on
motion picture theaters. Insurance 12n
gtneerlng prints a record of ninety-four
flren from Jnnunry 15, IMS. to January 21.
19J3. There are 13,000 motion plctuio
theaters In tho Putted States, 5.000,000
porsons attend dally, and two-thirds aro
housed In buildings discarded for other
uses are veritable flretraps.
Tho modified schedule of dwelling rates
Issued by the Kentucky stato rating board
provides that whore Insurance companies
are subject to a tax by city or town
ordinances tho rate of Insurance on all
property In such cities or towns may In
clude a charge to cover tho expense of
such taxation, the amount of the charge
to be approved by the rating board be
fore becoming operative.
Tho Bt. Lou In Insurance Agents' asso
ciation hns decided to bring charges on
April 15 against every member who repre
sents a company which maintains nn
agency not In the nssoclntlou. This Is
because of tho excessive brokerage paid
by tho nonmcmbers. A number of tho
agents have tendered their resignations
to the companies, to take effect April 15,
If before. that tlmo the outside ngents are
not Instructed to Join the association.
A meeting of tho Automobile Under
writers' conference wns held In New
York on March 14. Action was tnken modi
fying tho present mien so tliut commer
cial cars may take the same rate from
April I ns private vehicles have had
since February ' fir nn ordinary fire,
theft and transportation floater. The
western conferenco nt Chicago presented
a resolution adopting the BUme rates hb
the oust on the above, as well as the
pleasure cars. Tho new figures repre
sent a decided reduction In tho west,
whero pleasure cars carried u higher tar
iff heretofore.
THINK MISSING CASHIER
HAS BECOME QEMENTED,'
Mystery shrouds tho disappearance of
Charles W. Tcten, cashier for thu VJ
niatz Brewing company. Teton, who
lives at 2218 Chicago street, stirtd for.
work lust Monday morning mid has nut
been soen since. He always carried con
siderable money In his pockets nnd had
charge of largo amounts at the browing
company's office. At the lattir plac:,
howover, his accounts have so far been 1
found In proper ordet. I
Tho pollco have been seeking Tetsn ,
since Monday night and thus far tne.r
only Information of him Is that no was
seen In a South Omaha saloon on Monday
afternoon.
Mrs. Teton said last night to a Bne '
reporter that her husbmid was a model
ono In every respect and that ho had
never spoken a harsh word to hor. He ;
has a 4-ycar-old son, whom ho la very
fond of, and It Is not believed that he
would voluntarily leavo his home. J
It Is gonorully believed that the missing
cashier suddenly lost his mind nnd Is
wandering around somewhere, not knoiVs
lng what ho Is doing.
Ills wife Is serlnuslv til ns th result
of Teten's disappearance and her condl-
tlon has goaded the police Into re-1
doubling their efforts to find her hu
band.
Ilrilllh n Factor In Nuri'rM.
Tho largest factor contributing to a
roan's succeus is undoubtedly health. It
has been ohserved that a man Is seldom
sick when his bowels are regular ho is
never well when they aro constipated.
For constipation you will find nothing
quite so good as Chamberlain's Tablets,
'fhey not only move the bowels, but Im
prove the appetite and strengthen the
digestion. They are sold by all druggists.
Advertisement.
CHILD PLAYING WITH FIRE
CAUSES $1,000 BLAZE
A 3-yenr-old child's fondness for fire
caused a Jl.OtfO blaze late yesterday aft
ernoon at the home of nmuel Goldsmith,
a saloonkeeper living at 1305 South Thlrty-
sixth street.
The youngster secured matches and
then went Into his mother's bedroom to
play with them. In a few minutes the
room wai enveloped tn fire and the de
partment had to fight desperately to
save the entire structure from total loss.
TEAMSTER IS INJURED WHEN
STREET CAR STRIKES WAGON
C. W. Carvey. a teamster living at 1S07
Leavenworth street, was painfully Injured
nt 6 o'clock yesterday afternoon when
tho wagon upon which he was riding was
struck by a street car at Twentieth and
California streets. Ho was taken to the
emergency operating room at the pallet
station and given medical attention by
Dr. C. B. Foltz.
The Cliol Ilnnd
Is seen when Uer inaction and bowel
stoppage flies before Or. King's New
Life Pills, the easy regulators. X cts.
For sale by Beaton Drug Co.
MATCH THROWN IN BASKET
CAUSES $100 FIRE
Carelessness In throwing a lighted
match into a waste pnper basket at the
t.omo of K. I. Buffett. 1015 South Thlr
tleth avenue, resulted In a ilOO blaze yes-
I
Uida- afternoon. The losi Is covered by
j Insurance.
V I NATIONAL jl y)
V3l FIDELITY tfc
tjWAltYGjgg
PREMIUMS.
December 31, 1912 !
$184,000.00
December 31, 1911
$159,973.43
December 31. 1910
$122,518.54
December 31, 1909
$103,430.44
December 31, 190S
$30,793.03
December 31, 1907
$1,770.00
Accident, Fidelity, Surety
Bonds, Plate Glass,
Burglary.
Jay D. Foster
Fsfr-Barkr Company
Successors to
H. E. Palmer Son & Co.
Accident Health Insurance
LIBERAL CONTRACTS
Losses adjusted by us right here
in Omaha.
Brandeis Bldg.
WALTER A. YOHSOH
M
. L. BALDWIN & CO.
Established 1891.
aEITERAI. IKSUBAWCB
C09-10 rim KM onai
Wheeler &
RELIABLE
Or ALL
1011 Dodge Street.
MARTEN BROS. & CO.
GEMEKAL INSURANCE
BARKER BLK. TEL. DOUG. 735
INSURANCE RATES ABE LABCJELY THE SAMS, HUT THERE 13 A DIP.
VERENOE IN SERVICE RENDERED
8eo Me I adjust losses.
Mat IVIeisfer
G1SNKUAL INSURANCE
1313-14 CITY NATIONAL DANK BUXLDINO.
BOOST rOR OUiSIA
The Columbia Fire Underwriters
or OKCUXA
Row Offloss Entire Third rioor Merchants national Bajik Building,
Phon
3. O. Tnlmnge, Managsr.
BALDRIGE
GENERAL
Phone Doug-. 300.
INSURANCE
FIRE TORNADO AUTOMOBILE PLATE GLASS BOILER
BURGLARY HEALTH and ACCIDENT
ALFRED C. KENNEDY
200 First Nnt'l Bank BldR. Phono Douglns 722.
"LION" BONDS
Are worth 100 cents on the dollar.
It contB you no more to cover your
employes with a dependable bond
than it doea with a questionable ono.
Our Bonds are Fre,e From Technical Phrases.
Lion Bonding & Surety Co.
W. 0. W. Bldg.
I Insurance, In
I
I Webster,
j 'Phons, BougUs 970. -I-
D. 3969 M W. O. W. B&B. JSi
I H. Mithen Co.
INC.
021-1 CITV NATIONAL
HANK IILDO.
Surety Bonds, Hmploycrs' Lia
bility. Automobile Liability,
Burglary, Pinto Glass.
INSURANCE
Jf
Telephone
Your Want -Ad
Tyler 1000
Joseph Barker I
I
Phone Doug. 29
W. X.KROT WXLOOX
Ttlephon Doojr. 271.
J
Welpton Co.
INSTJRAKOB
XUTDB
rhont Douglas 188.
S. 1703.
Uonglaa 4S1,
K. S. Lease, Assistant Managsr,
- MADDEN CO.
INSURANCE
. Beo Bnlldlnr.
Phone Douglas 678.
All Its Branches I
AT v
Howard Co. I
-I- -I- -I- 8M Bt Side.