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About Omaha daily bee. (Omaha [Neb.]) 187?-1922 | View Entire Issue (April 28, 1913)
TIIK HUH- OMAHA, MONDAY, APRIL 28, 19U 3 I V vllFIDELITYe jVy Tho Omaha Cyclone, the Dayton Flood, also tho many other catas trophes which have recently occurrod throughout tho nation has Impressed every man with the Importance of Accident Insurance, for It Is tho height of folly for any man not to protect his most valuable asset, "tho money value of his time." National Fidelity & Casualty Co. policies are the most liberal. I'ntronlze n Homo Company. National Fidelty & Casualty Company National ridellty & Casualty Building-. An excellent opportunity for live agents. I Jay D. Foster roster-Barker Company Successors to H. E. Palmer Son & Co. Accident & Health Insurance LIBERAL CONTRACTS Losses adjusted by us right here in Omaha. Brandeis Bldg. Liberal Business Methods Low Cost of Manage mentPolicy Contracts that Appeal to Hard-Headed Business Men. These are some of the secrets of success of THE BANKERS RESERVE LIFE COMPANY OF OMAHA. BASCOM H. ROB1SON, rres. RAY O. WAGNER, Sec'y. If burglars enter your Home tonight? Have you a "LION" Policy? Let the "Lion" carry your risk and don't worry. Phone Douglas 678. $1,000 of protection costs you only $12.50 per year. Lion Bonding & Surety Co. 9th Floor W. O. W. Bldg. BALDRIGE-MADDEN CO. GENERAL INSURANCE Phone Doug'. 300. -INSURANCE- FIRE TORNADO AUTOMOBILE PLATE GLASS BOILER BURGLARY HEALTH and ACCIDENT ALFRED C. KENNEDY 200 First Nat'I Bank Bldg. Ih? GERMANIA LIFE Company Has an unusually good opening for a man of character and ability In each of the following cities In Nebraska: Kearney, Hustings, Mlnden, und Central City. Address, CHAS. HALL JOHNSTON, Mgr., or GEO. SUTHERLAND, lao Beo Bldg., Omaha, Neb. Dlst. Mgr., Grand Island, Neb. rf- Mot weather A few rooms are to be had in THE BEE BUILDING The Coolest Building in the City We will be pleased to show the rooms Apply to N. P. FEIL, Secretary, Bee Business Office J. H, Mitiien Co. INC. 021-1 CtT NATIONAL BANK UTiDO. Surety Honda, Employers' Un blllty, Automobile Llnblllty, Ilurfflnry, Plato fllnss. INSURANCE V "State Mutual Lite" OF WORCESTER, MASS, ONE OF THE OLDEST-69 YEARS and Best Companion on Earth. W. H. INDOE General Agent 052 Be Building. OMA11A aaaWHaWeaTWaaaWaWeaWaaWeaaaaW Joseph Barker 1 Phone Doug. 29 r - R, Jj. noniSONV VIcoiPrca. WALTER G. PRESTON, Trcaa. Phone Douglas 678. Bn Br'Mln- Phono Douglas 722. J is approaching This is the season when a man, spend ing a large part of the day in his office, is looking for an office in a cool building. News From the Insurance Field I INCREASE THEIR EFFICIENCY Secretary Alexander Points Out the Way to Xife Insurance Agents. EDUCATION IS OF IMPORTANCE Must Study In (Iritrr to Mni.rr the Drtnlln iif (hi nimtnrn nnil Mnke l n Snprrai, Secretary William Alexander of the iultablc l.lfo Assurance society, rep resented hero by It. U. Ncely, In a per sonal communication to company agents, tells them how they may Increase their efficiency nnd master the details of the business. In part, Mr. Alexander says: "How can wo Increase our efficiency? By various means, of which education Is ono oftho most Important. You, for example, should perfect yourselves In fitting tho policy to tho needs of each client. "This Is the special mission of tho agent but It Is what the Ignorant agent will never comprehond. "The agent who has so thoroughly edu cated himself thnt ho may claim to bo an Insurance expert will always de light In a 'hard case' where all those who havo gone before htm have failed. And his success will bo duo to Ills abil ity to mako an accurate fit, whllo tho failures of those who have preceded him will be due to the fact that all their attempts havo been misfits. Vnrtrty of 1'oltclrs. "Companies Issue a variety of polices, because people have a variety of neocls. An endowment policy may bo tho best fit for a self-supporting spinster; but n young man, even If unmarried, will In most cases find that the policy which will prove the best permanent fit for him will be a thirty A. 1. life contract. Many a man needs temporary In surance, and takes a term policy If tho agent recommends It. Hut tho chances are that when the policy expires ho will still need protection, and wilt bo disappointed. Tho contract which best fits such a case Is a 'llfn' policy of some kind; for It gives tho samo temporary protection that a term policy offers, and at the end of tho period of temporary risk will bo an asset of last ing value. "What Is the agont's hardest task? First to get at people, and then to se cure their attention. Every efficient agent knows that If he can get At u man, and can hold his undivided atten tion for a reasonable length of time, the rest of the work will be easy; for no Intelligent man can got away from a proposition that accurately (Its his case, If It is presented with convincing force by a well Informed and skillful agent. Prrimriitlnn tlint Kit. "To submit a proposition that fits, the agent must know the character, droum stances nnd envlronpients of his pros pect Otherwise he cannot fit him with a policy with any more success than a bootmaker can fit a man with a com fortable shoe without taking note of the size and shape of his foot. ' Most of the policies that are abandoned are those that are misfits. "Most of the agents who fall to write applications are those who do not know JipV lo fit their customers. . '"The man who Invests in life Insurance must be taught that the best way to get a perfect fit will bo to frankly tell the agent what his circumstances and re quirements are. "A physician administers the right rem edy because the patient gives him a de tailed history of his symptoms. "In the same way the applicant can serve hlnmelf by thus aiding the agent. "Out how can the agent Induce tho applicant to be frank and outspoken about his confidential affairs? The One Way. "By establishing In his community a public reputation for knowledge and ef ficiency by always giving sound advice by remembering Emerson'H statement that however advantageous it may be to a man to make to have talent, 'the power to make his talent trusted, Is far moie Important. "No case Is so exceptional that some policy cannot be fitted to it If tho agent Is familiar with tho provisions of each and every contract. lint unfortunately many agents got into a rut so deep that nothing can jolt them out of It. Such men nro constantly making mis fits, and either fall to write tho appll- Stranger with Mission from Heaven Calls at the City Hall Louis J. Te Pocl, assistant city attor ney. Is nervous and every few seconds shakes himself to make sure he Is not dreaming, for he had a nerve-racking experience, so strange as to be almost unbelievable. A well dressed, prosperous, sane-look-tng man walked into Te Poel's office at the city hall. "My name's Thompson," he curtly an noupced. "I'm from heaven," Te Poel edged toward his desk and quietly possessed himself of a paper weight. "What can I do for you?" "I havo come to correct the Ills of ! tho people of Omaha. They have suffered J too long. I've come all the way from ' heaven, 6,000 miles and I will not be thwarted." The man's eyes began to glow and the muscles of his Jaws worked. Ho leaned toward Te Poel. "You have bonded your people," ho hissed, "and over taxed the widows and the orpiians. I havo eighteen clients In heaven and they are most widows and washerwomen. I paid the carfare of one who came down this morning." "If you'll state your proposition maybe we can do something for you." "Shut up. I'm getting to it. You'll help all right. Oh, you'll help." The attorney made a gesture of Im patience. "No, air." snapper the visitor. "You can't put mo off. Everywhere I've gone 'on earth they've sent me to somebody else. Now it's up to you." The clock struck twleve. It was noon and Te Poel wasin a hurry. The stranger blocked his way. "There's another thing I want to tell you," he said, trying to grin amiably. "My ollonts have bean harried by the Water board und forced to my exorbitant charges for water. I've come all the way from heaven to seek rodress and by the gods i ll have It"' As suddenly as he had waxed amiable the visitor grew Insanely angry. Also he I cation; are unsuccessful In delivering the policy, or lose adequate compensation . because the misfit contract Is abandoned prematurely. ! "My chief gratification ronies from J work which benefits tho agent. That Is wny i nm deeply interested in tne pro ject of establishing a correspondence course for tho benefit of those who are anxious to learn. That Is why 1 have selected tho work of the agent to Illus trate the fact that In all departments efficiency depends on growth develop mentprogress. A (lent of Knture. "tf the agent of the future should be required, like the physician, to exhibit a diploma of graduation, better public service would result. j "The first company to give Its agents 'a thorough Insurance education will se- cure an advantage over Its competitors. The first university that adds to Us In surance department a practical course for tho Instruction of agents will do a work of special value. "If It ever becomes possible to limit the membership In underwriters' associa tions to agents who have qualified as competent life Insurance men, the Influ ence of these organizations will bo greatly enhanced. "Growth depends on education. Hdu ration buttresses experience. There must be progression or there will be retrogres sion. There must be co-operation or there will be weakness. "Thereforo let us unite In training our selves to greater efficiency In whatever direction our efforts may be directed." Insurance ote nnil I'ersnnnls. The scnato of Michigan nassed n. bill providing for state regulation of fraternal accident societies. The Minneapolis Fire Prevention asso elation Is making u thorough Inspection of tho city. Various city departments nre co-operaiing in tne Cleanup. Dr. George Sutherland of Grand Island, district manager of tho Germanla Life Insurance company, spent several days at tho Omaha hcndtiuartrin last week. P. A. lliichman, representing the cen tral South Dakota agencies of the Ger manla Ufo Insurance company, wan vis iting tho Omaha headquarter) several days last week. Georgo M Buck, manager of the Fi delity Mutual Life Insurance company at Des Mollies', was In Omaha last week, having come over to Council Bluffs to Hettlo a death claim there. W. II. Baumer, for three years In the Omaha offices of the Northwestern Mu tual Life Insurance company. May 1 goes to Springfield, III.,, as general agent of the Massachusetts Mutual 1,1 fe. Joseph Barker of tho Foster-Barker company is back from a trip of ten days in the east. While away Mr. Barker vis ited the homo of most of tho Insurance companies represented by the company. 15. C. Fowler, superintendent of agen cies of the State Mutual of Worcester, Muss., was In town several days last week on his return from the west. He reports business good everywhere he went. C. M. Chrlstenscn, district malinger of tho Northwestern Mutual life at Wa no. Neb., who has been In a hosnltal in Sioux City, Is recovering rapidly and will soon bo able to take up his work. During his I Illness his business has been In charge of I V. 1 Wright, field superintendent for rveurnsKa. Tornado losses brought about by the recent tornado have been ail practically settled und In almost every Instance without any quibbling upon tho part of tho adjusters. The losses In Omaha alone aggregated a little more than 00.000 more than the companies caught ever received from Nebraska In premiums. The National Surety company has writ ten a J3.000.000 holdun nollcv for the Irving National bank of Nqw York, cov ering UH luniis ono securities during tneir transfer from the bank's present location to Its new offices In the Woolworth minding. The policy covers for only twenty-four hours and the premium Is Robert D. Lay, secretary of tho Nr tlonal l.lfo Insurance comnanv. 1'nltr I States of America, and W. K Mlllei newly appointed assistant superintends of agencies, on a trip Inspecting tb agencies In the west, had an unthuslat, lie meeting or tne agency torces or rse braska at the office of A. It. Grund state manager, lust week. Tho workmen's compensation law that becomes effective July 1 Is making a host of work for tho local agents who represent accident and liability cotupa nkw. Tho law makes It necessary to re vise every policy In force, for, under Its provision, Instead of the general blanket i policy plan maintaining, In cuso of .iccl- dents, each Individual claim will have to 'i... , , ....... .. i .. (ID uruicu oci'uiuwij. The 1912 fire loss In Ohio wns S,W, 000, according to figures compiled by State Flrj Marshal Zuber. Tho heaviest losses were Cleveland, Jt,2ffl),ft; Colum bus, J953.000; Cincinnati, JHOO.000- Toledo, J3T0,OO9, and Dayton, $150,000. Over 100 members of tho State Fire Prevention as sociation started last Monday on a tour of tho thirty-two Ohio cities swept by the flood to ascertain the condition of property Insured against fire. Inspectors of the state fire marshal's office are co operating In the work. became eloquent. With a grasp of Eng lish Te Poel said was surprising even In the moutli of a heavenlv vlsltnr hi Plcted the sufferings of his clients. He wound up: "Now, what will you do?" "I don't represent the Water board." To Poel explulned, trying to notify the fellow. "If you proceed properly you will filo a protest with the Water board." Abruptly tho man broke Into a loud, half-hysterical laugh. "It's filed!" he screamed, "It's filed!" Before Te Poel could realUe that the intorvlew was at an end the fellow was gone, le Poel sat there, stunned. "I had never seen the man before," he explained later. "Ho was a little above medium height and wore a black, droop ing mustache, streaked with gray. He must nave been tenjpo.-.irily Ins.ine. an I have Investigated and found that no In sane patient lias escaped from an asylum recently nor have any teports reached the police of a man going suddenly inNuue." POLICE ARREST SCORE IN GAMBLING RAID Policemen in plain clothes, led by Ser geants Samuelsan and Vanous, raided two gambling house Saturday night and ar rested nearly twenty men who wero play ing cards or at dice. The first place was in a room rented by Prank Dunlap, in the old Omaha National Bank building, on South Thirteenth street, and the other In Norman Gelst's pool room, at 321 North Fifteenth street. The men .were all held under bonds of $350 each. The keepers were held for a bond of each. The raids were made under the supervision of the detective buieau. A Bloody Affair Is lung hemorrhage. Stop It, and euro weak lungs, coughs and colds with Dr King's New Discovery DOc and Jl-00. For sale by Beaton Drug Co. Advertisement Chaotic Condition of Fire Insurance in Missouri 1TP to date sixty-two fire Insurance firms have announced they will cease writing risks 111 Missouri after April 30. These Include the Commercial Pnlon or New York, Firemen's Fund of California New York I'nderwrlters' Agents. Liver pool nnd London and Globe of IOtidon North British and Mercantile of Kng land. Queen of New York, Springfield of Massachusetts, Sun of Kngland, Com merce of America, Newark of New Jer sey, Auction and Munich of Germany, and twelve companies with headquarters In Philadelphia. The withdrawal of these companies gives effect to the pledge adopted by the convention of insurance underwriters held In Philadelphia two weeks ago. The reason for this action Is to be found in the newly enacted law prohibiting com bination or collusion In the making of flro Insurance rates. One section of the law rends; "Section to. Sllta. In any proceeding against or prosecution of any Insurance company under the provisions of this article It shall be prima facie evidence that such company Is a member of a pool, trust, agreement, confederation or understanding to control, effect or fix tlie price or premium to be pnld for In suring property ngalnst loss or damage by fire, lightning or storm, If it be shown that such company or any agent or rep resentative thereof, In writing Insurance, has used any Insurance rate, or made use of or consulted any rate book, paper or card containing any Insurance rate, prepared, published, kept or furnished by any person, assoclntlou of persons or bureau employed by, representing or act ing on behnlf of any other Insurance company or association In and about the making nnd publishing of Insurance roto for nro In any portion of this state. Despite assurances of pacific Intent of tho state officials, legal advisers of the compnnles bold that the law leaves no loophole for escaping penalties for acts of agents who might vlolnte the section quoted above. They ndvlsed retiring from tho state, nnd the companies have adopted that course. Great confusion prevails In Insurance dr ies In the state. In Kansas City nnd HI. Louis many agencies are on the verge of disruption and the business built up In long years of struggle Is threatened with ruin. Missouri pays llft.OuO.OOO a year for flro lnsurnnco on $1,000,000,000 worth of prop erty. The Immensity of Interest Involved and tho threatened consequences of legis lative Ignorance nnd Incompetence have aroused business men. Various remedial measures have been suggested Among (heso the one holding out hope of relief is a referendum petition by which the operation of tho Insurance law can bo suspended nnd referred to popular vote nt the general election In November, 19H. Petitions signed by S per cent of tho registered vote of two-thirds of the con gressional districts of the state auto matically sends the net to a referendum vote and restores to life tho repealed Oliver law pending action by tho voters of the stutc. This course Is likely to bo adopted. GUY CRAMER TO SPEAK AT INSURANCE FEAST TONIGHT Insurance agents Interested In tin workmen's compensation InsUmnco will hold a banquet at tho University club tonight at which Guy II. Crnmer will be the guest of honor nnd principal speaker. Ways and means for handling tho now situations which will present themselves ,18 a result of tho now workmen's com pensation law, will be discussed. Harry I,. Mullo is chairman of tho committee on arrangements for tho feast. WILL ACCEPT NOTES OF LOSERS BYTHE TORNADO Tho Travelers Insurance company of Hartford, has sent word to tho Omnha office that It will accept notes on prem iums due from policyholders who suf fered loss In tho tornado, and carry them ninety days or longer If necessary, thus affording protection ns If premiums wore pnld. This Is an unusual procedure and 1 shown tho efforts being put forth on every angle to aid tho unfortunates. Preachers Protest, But Hummel's Firm, and Spooning Goes Joo B. Hummel, park commissioner, said he had no official objection to a little spooning, but on the contrary thought it did no luu in, nor did he foi a moment drcuiii that such A stitteuient would smite upon the ears of ministers, shuck the owners of the ears and cause Omnha pul pits to ring with protest. Hummel Is harassed, still he refuses to flee. Preachers today will make hi un malicious stntemt-nt the euhject of their sormons. "Thoy'vc called me up," said Hummel, "doubting If I said It. Of course I said it and now I'm going to stick to It. A little spooning has never yet done such ghastly damage as some who never spooned would havo us believe. "Certainly I'm not going Into the busi ness of providing spooning places. De pend on youth and love to find a place. I'm not going to darken tho parks for the benefit of lovers, neither am I In favor of Installing sun-bright lights In tho parks, l'or. as 1 have' said, u little nxonlng In not u dangerous thing." Negro Trips Sleuth and Breaks Away While Captain of Detectives Maloney was questioning Will Jarl, a Kansas City iii'gro, concerning the alleged theft of I3) from John Rlddenour In Stella Taylors retort several days ago, the negro sud denly tripped the sleuth and fled as the latter was regaining his feet Detective Jim McDonald saw the negro running and fired several shots at him, which took effect In Bcebe, & Itunyon's plate glass windows, Jar from the direc tion in which the negro was going. The man waa captured several blocks away. Cure for,8loiiiuch Disorder. Disorders of the stomach may be avoided by tho use of I'liumberlaln's Tab lets. Many very remarkable cures have j been effected by these tablets. Adver. J tlsement. Obey That Impulse! Not the man who lNRNDRD but the man who INSURED left provision for his family. G. W. NOBLE. OaneTal Agent. onARz.cs x.. norriT, Special Agent. t. C. ZIXTCHMAH, Breolal Agent orriosm 030-043 Brandets Bldg. Omaha. Equitable Life Assurance Society ii U. S Assets ovor $500,000,000. Paid H. D. NEELY II. . NKKLY JOI2 Merchants Nut'l Before deciding on your Insur ance 'phono D 127G, and auk about tho new low cost, all guaranteed pol icies, all plana. Life, Limited Payments, Hu rt o w in o n t s Joint or Part nership. Cor poration and Monthly Inconvo or Pen slon Policies, tlia Prudential lea. Oo. of Araerloa Inc. ns a Stock Co., bv New Jersey m. BBuon OARrxirrxm, Mgr. ' For Nebraska and South Dakota. 419-113 Gltv Nut'l Bk. nidir.. n,.i. f THE MIDWEST LIFE Insurance In rorca December 31. 190H 9 059,000 December 31, 1308 1,453,318 December 31. IUI0 8,641,084 Decenibo' 31. UM2 4,805,503 March 31. 1912 0,001,034 The Midwest Life IT. K. BNBKL, President. A Nebraska Company Kotua Offlcaat rlret National Bank Xtuildlnr, Lincoln. A. A. TAYLOR and arOBOS CROCKER, Oaaaral Areata, Rooms 1313-1314 City National Daak Dnlldlnjf, Omaha, Xfahraaka. d. 3iKo mr W. O. W. SUNK DOOBT l'OB OMiSIA The Columbia Fire Underwriters or oms.ua noma Offlcsa Entire Third riocr Merchants National Bank BnlltUnjr. riione Kouglaa 451. 3. O, Inlmaft, Manager. X. B. eaaa, Aaalataat Manajrer. V. mm Let the Buyer Beware- BBS UB BEFORE BUTXNO ANOTHER POHCT IN ANT BRANCH Or XNSURANOB.. GALLAGHER & NELSON --s, Oaneral Agent Illinois Surety Oo. MARTIN BROS. & CO. GENERAL INSURANCE BARKER BLK. TEL. DOUG. 735 "IT YOU HAD ONLY TWO WEEKS TO X.IVB." TIllH wuh tho title of a featuro story In a local newspaper on 12axier Sunday morning, March 23. That evening the tornado snuffed out over 150 liven, THE MORAL IS FZiAIN. TOM S.KELLY TRAVELERS INSURANCE COMPANY Eighty Million AlietS. Wheeler & RELIABLE INSURANCE Or ALL KINDS 1 011 Oodge Street. W. A. YON SON O. L. BALDWIN &. CO. 010 rirst National Bank Bldg. MONEY TO LOAN ON OMAHA REAL ESTATE rlnanolal Correspondents. Phone Douglas 371, Equitable Mortgage ft Truat Company of Baltimore, Md. Talk With OIlLJISfO About Life Insurant NATIONAL LIFE INSURANCE COMPANY, U. S. A. CIiIcuho'h Olth'Ht mill KtronK"it Company A. It. (illt'Nl), Klalo .MuniiKCr. 11115 City Nut'l Hunk IHilir, Oiuuliu. DouhIoh :i()80. v THE TEST "(,w we,e 'our tornado Iossch settled promptly and fairly? A4 That la oxactly what our patrons nro pleased about piomptncHM and falrnesH. IS! at rVIeisfei GKNKKAli INSURANCE 1313-14 CITY NATIONAL BANK BUILDINO. Phone Doug. 1703. 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 saved by judicious spending THE Union Central Life Ins. Go, OP CINCINNATI, OHIO HARRY O. STEEL General Agent. (11-313 Bamga Bid. Phona D0103 Policy holders ovor $815,000,000. & CO., Managers KMC IN E. H. riCKAHD Hank liltlfr. Northwestern Mutual Life Insurance Company OF MILWAUKEE MANN & JUN0D General Agents 538-844 llrnnrtels nulldlng. OMAHA Offieara N Z. Snoll Prftsldont Or B. B, Dnvls, Omaha. Vlce-Pres. A J Sawyer Secretary Dr M 11 Hverett Medical Director C It. Kasterday Ass't Secretary M A. Ilydo Agency Director , J "THE INSURANCE MAN" Welpton Co. Phone Soaglai IBS. W. L. WILCOX s