4-0
THE OMATIA SUNDAY BEE: MAY 4, 1913.
BIG INCREASE IN BUSINESS
Guarantee Fund Life Makes Stridci
Daring Year of 1912.
MEMBERSHIP QROWT& 18 RAPID
ttleTen-Tfnr-Old Oorapnny Iuiti
Policies Providing; Death) Dla
abllltr nd Old Are Bene.
fits mt low., (iomt.
Ttio yoar 191S ww the most prosperous
thus far asperioncsd by (ho guarantee
Fund Iifo of Omatin, new business to
tho amount of gn,EOO,(X belnff recetvol
from the seventeen states In which the
association operatea, white 19,000, COO of
now lnsuranoo waa Issued, as compared
with $8,250,000 of Issued business In the
year MIL
Tho association was organised by J. C.
Buf?ngton In the fall of 1901. and begsjn
business January X, 1802. Since Us organ
isation the growth In membership, while
slow during the first few years, and lattr
a llttlo faster, has always been steady. ,
The policies Issued provide death, dis
ability and old age benefits and are In
contestable except for nonpayment bf
the premiums, two years after date of
Issue. The membership Is confined to
men only, between the ages of 21 and 65
years, who may be written for from I2.CC0
to flO.009 Insurance. Everyone Is re
quired .upon entrance to deposit fn
reserve fund a sum equal to l for each
year of hla age, for each JJ.boo of In
surance applied for The deposits may
be made cither In cash, or nolo payable
In 10 per cent quarterly Installments.
All notes taken for the roservo fund
deposit require payment, vn -In case of
lapse. To thta facts aa well aa ito the
vigorous method used in handling such
matters, mar be attributed the com
paratively small number of lapses.
The record April 1 shown total losses
paid slnoe organization of 123,273.68, "while
the reserve, and exedss mortuary collec
tions on that date, all of which may be
used only for payment of losses, .amounted
to ll.06a.aB.33. 'When the age of the as
sociation and the volume of business are
considered. It . is . doubtful whether this
record has been surpassed. Curing tho
y,eax ending April 1 the assets Increased
H0C.E51.Ci Including an. Increase of more
than $330X00.00 In the reserve fund,
While the cost to. the members bds been
low. averaging $9.7$ pen $1,000 annually,
the .association does not advertise any
qther rata than the maximum, whloh Is
based upon nn annual mortality of 1 pei
qent ot. those. Insured, and to sustain
Which rate tho articles of Incorporation
pledge the entire osseis' of the associa
tion! .
The offfcers of the association are J. C.
Butflngton, president; Fred Whlttemore,
vice president; Edward M. Martin, vice
president; J. W. Hughes, assistant secre
tary and treasurer. Dr. A. C. etokes,
aedlcal director,
Half of the Fires
Set in Chicago
Work of Firebugs
The special grand jury Investigating
tho operations of the "arson triikt" in
Chicago, In a report filed last Saturday,
declares that CO per cent of the fires iu
Chloajo arc of Incendiary origin. Fifty
nine indictments 'were returned against
alleged Chicago, firebugs-
Points prominently sat -forth as the con
elusions of the jury were as follows:
Arson as a profession has become firmly
eatabiithta In Cook county.
Fifty per cent of tho fires aro of In
cendiary origin.
' Only within the last few years has tho
business of arson developed with aystmn
and profit) alto, the business has betn
conducted for ten years.
Public Insurance adjusters are puUty of
planning nres and protecting "firebugs'
in case of criminal prosecution.
Arson as a profitable business Is made
possible by defects In tho conduct of the
insurance business.
Bocalled rotten risks are accepted by
inr-r&nco companies in order that thy
rcay cet the preferred business of the
adjusters In question.
Radteal Improvements In the methods
ot the Insurance companies are neces
sary if arson Is to b stamped out.
Insurance companies should exercise the
greatest care In accepting risks.
Incur an ce companies should boldly fight
ait claims ror insurance where incendiar
ism la suspected.
In speaking of attitude ot the Insur
ance companies In the matter of auspic
ious risks the report says:
"It Is recommended by the stand Jury
.that the Insurance companies adopt a
strong, ylgoroua policy of boldly fight
in every loss that they are convinced
U crooked.
"Present weak practice of comm-omltm
such losses should be Immediately aban.
uonca, ana notico should be served on
public adjusters and dishonest people as.
aurcd that under no circumstances will
a crooked loss bo voluntarily paid. This
policy should be firmly and persistently
pursued, even though It may Involve the
expense of many lawsuits.
"In other words, let it be thoroughly
uuaerBiooa mat lnsuranoo companies
have overcome their dread and fear of
litigation and have regained sufficient
courage to invite a lawsuit, rather thou
nln.t. Jl.. . . . . ... .
v.uuMiiijr var a orooaoa lose. eucn a
POia, determined stand wflL In tho amnion
of the grand Jury, materially autit in
aiacouragiuff dishonest claims. Further.
more, the grand Jury would recommend
that the Insurance companies use all the
means at their command to obtain In
criminating evidence ot crooked losses,
and present this evidence to the state s
attorney of Cook county."
I1Y MKRIWCIC I.. LEASE,
AnHxtnnt aianaurer Columbia Fire
Undervrritera Asaoclatlon.
Oood work is being done by our state
fire commissioner and his deputies along
the lino of educating the masses In re
gard to fire hazards.
The State Fire Prevention association
s also assisting In the good work, mak
ing inspections, pointing out to the mer
chant and building owner defects In con
struction or dangerous condition sur
rounding buildings and contents. As a
hil" the Insuring publlo meoto these con
Ultlons and. remedies the defects not only
becauso they are requested to do so, but
for 'the reason that they do not want any
carelessness of their employes or them
selves to causo them to Jeopardize their
ncome as well as that of their neigh
bors.
Among the many causes of fire nono
is more common or moro dangerous than
tho storage and sale of gasoline. Do much
has been written and sold about this
harzard It Is superfluous to warn insur- J
era as regarus same, mey Know an
about It.
There Is one dangerous article used In
ovnry town, city and'-hamlet, every offlco I
building In our cities, and every dwell
ing Jn our voltages, .which Is one of tho
tnost common and- most overlooked
hazards existing. I refer to the festive
parlor match. The match is tho cause
of so many fires that tho sale should
be regulated by law. The 60,000,000 peo-
plo in tho United States are said to use
more matches than the 000,000,000 people
In tho rest, of the more or less civilized
world. Of 3,875 known causes of fire In
Chicago, In 1911, 1,083 .were due 'to tho
careless use of matches. Nearly 10,000
matches are scratched . .every second of
the day In this country, every one a pos
sible Ire. The report ot the .Ore mar
shal of Nebraska for 1810 shows that of
831 known causes of fire In that state, 103
were duo, to matches, of which fifty-five
wero caused by children playing with
matohes, many of them resulting In se
rious injury and even death. Any. ordi
nance should bo passed making It, unlaw
ful to manufacture, store or have for sale
tho white phosphorous, single-dipped,
'strike anywhere" matohes; popularly
known as "parlor" matches, or any other
type of double-dipped, "strike anywhere"
matches, unless tne quid or first aip is
composed ot the so-called safety or inert
composition, non-tgnltable on an abrasive
surface. The so-called "wind" matches
.would also be under the ban. Of the
safety match It will be necessary to stand
a test of at least eight hours In an oven
at 200 degrees Fahrenheit when paaked
n a carton ot (00. The ordinance should
provide for the manner In which matohes
may be stored In warehouses and retail
stores, and also limit the number of
matches in a box and specify method of
packing, It Is estimated that the "par
lor" match causes a loss every year In
the United Bute ot more than $2,000,000
Why Memoirs Aro Taunt,
JTor. Barrett Wendell, at a Harvard
.. w- uscu wny docuu or recollections
" u in me. rat. we&aeu an
swered:
Xt me tell you a story. A great "n
" 'I think III vrito my recollections.
'"Very good. said the friend.' but let
met caution you not to recollect anythlsr
about oelcbrltiea that aro living.
"OV cold the great man, living;
wnwi.un iuv juai luo ones A wont to
write about. They're the ones that will
make my book atlU'
Very well.' cold the other; 'but re
" 'Why, what's the danger, any wayr
--xne ea&trcr.' replied the other, la
that as soon, as you beodn tn rrmllir,
things about living cde&rtU tbey vlll
I. in m rwoiieci uungB about you.'"
Crou Pxrpuea,
"Erpther Hardtaty, you believe in the
r-iccacy oi prayer, uon't your'
. urn 1 a?'
''Well, some ot US have been praying;
tint we may bo nbe to raise money
,r.ousU to bu.td a new meeting; house
lata yvxr, you )snvf."
Tf. aud VOiUC Ot ua has been tverin
tht.. ra tatgr be able to make use oC
I NEW MAXIMS OF NAPOLEON
Menace of the Parlor Match
One Feature of Modern Progress that Has Brought With
It Penalty in the Form of Fires that Care May Prevent
vK. " '' mitaaaaaaaaTV
& bjtr JaaV
nan tounBAt' .
F- .VMeflWAlTiM ASM
and more than COO lives. Our grandfath
ers had no matches. They used flint and
kept their fires from day to day. Our
grandfathers had for matches pine blocks
an Inoh square which they split apart
way down as a splinter could be pulled
off. The free end of tho splinters had
been dipped in a mixture with sulphur In
it. These matches when struck gave tho
choking fumes ot sulphur and were callod
"luclfcr," while our present match Is
called tho "parlor" match because It was
fit for use when there was company.
When scratched,, the head often explodes
or the stick breaks and flaming pieces
fly, often dropping on waste paper,
sweepings or clothing. Tho smoker so
often gives the match a toss without see
Inp If It Is still gtowtpg, and a largo num
ber of these match fires result from one
of these hot sticks being; thrown upon
something easily lighted. Many tires are
caused by absolute carelessness, nnd mora
start In the cellar than in any other part
ot tho houses, liut never a week passes
that some house Is not burned by reason
of a match being used for a, moment to
light a closot. The head of tho match
contains phosphorus, chlorato of potash,
resin, whiting and powdored flint, held
together by glue. It takes but little heat
to Mart a flro In phosphorus. The heat
caused by rubbing the particles ot flint In
the head when It Is struck fires the
phosphorus. Tho chlorate 'lets go of the
ACTIVE AGENT I0B GLOBE IN-
DEKNITY COMPANY.
ONE OF THE DEPENDABLE FIRE
UNDERWRITERS.
nARRT I MALUO.
Horry I Mallo as an executive special
agent ot the Bankers' Surety company ot
Cleveland, O., traveled In every state
tn the Union for that company, appoint
ing agents, adjusting toasea, auditing
county treasurers, and. other bond ac
counts, and in that way secured the kind
ot an education that has enabled htm to
build up a large general agenoy In Ne
braska, lie came to Nebraska In Feb
ruary, 1S0S, locating In Omaha, as gen
eral agent tor the Bankers' Surety com
pany, after building up a nloe business
for that company, who sold out to tho
Maryland Casualty company ot Balti
more, be accepted the general agency tor
the state of Nebraaka tor th Maryland
Casualty company. In March, 191$, he
was offered the general agency tor the
entire state of Nebraska and western
Iowa tor all lines ot the Globe Indemnity
company of New Tork, and he accepted
that agency. Tbs Globe Indemnity com
pany la owned and controlled by the
Liverpool and Iiondon and Globe Insur
ance company of Liverpool, one ot tho
strongest and oldest Ore lnsuranoo oom
ponlos la the world. They hva some
thing like SCO agents in the state ot Ne
braska, rnost ot whom have taken the
agency of the Globe Indemnity company,
because their experience with the Iiver-
A. C. KENNEDY.
INSU11ANCK NOTES.
6, M. dhrlstensen of Wayne. Nob..
district manager for the Northwestern
Mutual ure, is in a hospital at Bloux
City for an operation. Durlmr his Ill
ness, hla business Is being looked after
by F, U Wright, the Nebraaka flsld
agent of the company.
Fearful ot their responsibility for the
safety of the Morgan art collections In
New York City, executors of the Morgan
csiaie are tuning out insurance totaling
tU.000,000. Of this, $31,000,000 Is on the
Morgan collections In the Metropolitan
museum and $10,000,000 for the Morgan
art gallery collection.
The Chllcago Board ot Underwriters
,Great Interest has been aroused among
military students and historians In
Franco through tho publication of Colonel
Brn6st Hoard of a selection from hitherto
unknown military maxims and precepts
dictated by Napoleon during his Impris
onment at St Ileleno.
The emperor attached great weight to
tact and skill In the treatment of soldiers.
"When I used to say," he wrote, "as
I rods through the lines In the heat ot
battlo, 'Unfurl your flags, the moment
has come,' the French soldier slmnlv
shook -with eagerness.
"At such a moment nothing seemod
Impossible to ma. The Thirty-second
Demlbrigado would have died to a man
for me, because after Lonato I wrote,
'The Thirty-second was there, and I was
at ease.' Tho power of words on men l
oxycen In It with explosive sputtering
and great heat. This Ares the resin in
the head, and they, together, fire the
paraffin with which the stick has been
cooked. Then the stick Itself begins to
burn. If cither saltpeter or sulphur Is
used In place of the chlorate of potash
a silent and slow match Is made which
does not snap or fly. When the chlorate,
or parlor match. Is trod upon or dther
wIbs lighted, It sounds Its own tire alarm
this Is the only good thing about It
Foreign countries allow none but safety
matches to be used, and this faot, to
gether with many othor precautions taken
tn prevent fires, makes the fire loss In
thos countries very much lower than In
the United States. Uncle Bam could learn
a great deal from Germany, France and
Sweden along the lines of tire prevention.
Not wishing to change the subject but
the late tornado demonstrated the fact
that the humble farmer certainly "put
one over" the city man. Ho may not
be up to city ways In many things, but
tho experience of the Columbia fire un
derwriters shows that 90 per cent ot tho
farmers along the path ot the tornado
were protected by tornado Insurance,
while our city man, thinking Omaha Im
mune, feeling himself secure from cyclone
becauso there had been none here for
fifty years, went without Insurance to a
great extent, much to his sorrow.
Moral: Insure against cyclone. It Is
a. hazard you cannot Inspect or prevent.
No one knows where It will strike but the
Almighty, and Ho won't tell, so, why tako
a chance
has adopted tho contribution clause ap
plying to tornado Insurance so oa to
provont the underinsurance which has
boen prevalent on this class. The class
Is tho samo an In tho fire Insurance
policies, but with, a minimum ot 50 per
cent Instead of SO per cent .A credit
of 10 per cent Is allowed for CO' per cent
coinsurance, with an additional credit
'of S per cent for each additional 10 per
oent of colnsuranco up to 90 per cent
Dwolllngs aro excepted as In the fire
clause.
London Lloyds underwriters have suf
fered n heavy loss on their surety risks
tn addition to the recent fire and marine
losses. This arises irom the defalcation
of Assistant Cnehler Baker of the Crocker
National Bank of San Francisco. It Is
stnted that tho shortage amounts to over
J2O0.O0O and that Mr. Baker has confessed.
Tho Crocker National Bank held a blan
ket Lloyds fidelity bond covering to the
amount of J22S.0CO the acts of any one
of all of some 110 officers and employes
of the bank.
INSURANCE
C1SUTIK1CATE OF PUBLICATION.
STATE OF NHBItASKA
Office of
AUMTOK OF PUBLIC ACCOUNTS.
Lincoln, Fob. lBt, 1913.
IT IS HEHEBY CERTIFIED, That the
Fireman's Fund Insurance Co., of San
Francisco, In the Btuto of California, has
compiled with th Insurance Law of
this State, applicable to such Companies,
and Is theroforo authorized to continue
the business of Fire and Tornado Insur
ance in this State for tho current year
ending January Stat 191.
WITNESS my hand and the seal 'of
the Auditor of Publlo Accounts, the day
and year first above written.
W. B. HOWARD,
Auditor ot Publlo Accounts.
U Q, BBIAN,
(SEAL) Deputy.
Isaac A. Coles Agent
814 BKA3TDSXS TZEAXXB 8UJO.
pool and London and Globe Insurance
company have been very satisfactory,
and they were convinced that tbe Ckba
Indemnity company would bo the moct
progratalva casualty company to rcparc
eoat. Associated with Mr. SCallo are
John G. Lund and L. VL naokmaon.
X agaaaajxlr mt n n il
mdTgimnt Customer1 tpuahfmr htar wsy
Into tailor shop and throwing- down a
package) Say. you. give me bock my
money. These, tmvsf trouasra haxa a. eaten,
in the rear.
Agitated TnlTar Why, itr. I thought yea
wanted them to have a patch. In the rear.
xou loia me 10 inciuao ine laieai novelty
Great Western Policies Pay 1
IT PAYS TO PAY
The small premium to the Groat Western Accident
Association and if you aro disabled, thoy will pay
you.
IT PAYS
The Great Western Accident Association to pay
claims promptly and satisfactory so claimants will
continue membership and help boost for new mem
bers that will pay them.
PHONE US (Douglas 3516)
And we will send you full particulars.
WE WRITE A
Workmen's Compensation Policy
that covers employes for injuries which occur while at
work or elsewhere.
AGENTS WANTED
H. O. WILHELK, Manager
510-512-514-516 BRASDEIS 'rergATETt BLDG.
"In Time of War 31 rn Are Tfothlna;
It Is One Mnn "Who Is
Everything."
astonishing. The following Is Napoleon's
of a general.
"In tlmo of war men are nothing. It
Is one man who la everything. A great
general la, not on ordinary man. Mili
tary genius la a gift from heaven, but
the most essential quality for a com-mandor-ln-chlcf
Is firmness of character
and the resolution to win at all coats."
Next to the qualities of the com
mander, whoso sureat way of winning
was, he thought, "to exaggerate one's
own forcea and minimize thoso ot the
enemy." Napoleon considered a strong
artillery the prime factor In success.
"If I had 30,000 more rounds on the
evening of the eighteenth at Leipzig, I
should today be master ot the world!"
To express his opinion on the value of
experience over theory, he said It was
''worth a hundred volumes of Cicero
and Demosthenes." In speaking of a
national army of which he was, of
course, strongly In favor. Napoleon In
sisted that "all Frenchmen should, con
sider tho law of conscription necessary
and sacred, If they do not wish to see
their homes dovastated." New Tork
Times,
BUILDING NEWS NOTES.
Sherman & McConnell are selling larga
quantities of paint this spring. They
handle the famous Bherwlri-Wtlllams
paints, the demand for which Is large.
The Scott-Rawltzer company have pat
ented a new ventilated rolling owning, the
demand for which Is great. The first ot
this new type of awnings Is being placed
on the State Bank building, Seventeenth
and Harney streets, it Is made ot tho
finest materials and Is considered among
the best of awnfngs.
Progress which tho Gate City Tent and
Awning company Is making under Its
new management Is excedlngly gratifying
to the young men who are at Its head.
They are' W. H. Laubaoh and H. Bowers,
two progressive fellows, who have modern
Ideas, and who carry them torwnrd In a
modern way. Mr. Laubach Is a Univer
sity Nebraska graduate. The awning
and tent business which they have created
is very large.
The Commonwealth Life
INSURANCE COMPANY
Omaha, Nebraska
6HERMAN SAUNDERS, President ' "
a
v,' -
t
The company in whioh you can create an estate at the mini
mum cost, progressive in its policy, economical in its manage
ment, energetic and1 pushing for business. ,
Large capital and surplus to policyholders, which affords tho
best of security.
Contracts as liberal as safe underwriting will allow, embrac
ing such up-to-date provisions as Disability Benefit, etc
Men whose reputations square with tho rule of honesty aro
wanted as agents for this company. Contracts made direct
with the Home Office.
Young men, whether you have sold life insurance or not is
immaterial, we can teach you how to make a greater success
in the business. We bring trained men to the assistance of the
inexperienced, thus assuring success from the start. Write
for agency, or better still, come into the office and talk it over
with us.
FRANK NELSON, Secretary C. H. CLANCY, Supf. of Agts.
THE LEADER IN TORNADO INSURANCE
THE COLUMBIA FIRE UNDERWRITERS
OMAHA, NEB.
THE NATIONAL FLUE INSURANCE CO. OP HARTFORD, CONN. ,
CASH CAPITAL, $2,000,000
JANUARY 1, 1913
ASSETS .' . $14,982,672.91
LIABILITIES
Reserve for Reinsurance, Unpaid Losses, Taxes 1
and Other Liabilities , $ 9,085,468.17. . .
NET SURPLUS over Capital and other Liabili
ties . 3,897,204.74
SURPLUS TO POLICY HOLDERS $ 5,897,204.74
THIS COMPANY HAS A NOTABLE RECORD OF NEARLY HALF A' CENTURY
OF HONORABLE DEALING WITH THE INSURING PUBLIC.
Liberal Policies, Prompt Settlement of Losses, Cash Payment Without Discount.
A SHARE OF YOUR PATRONAGE SOLICITED.
A Resident Adjuster Insures Prompt Attention to .Your Loss. Insist on the best
THE COLUMBIA IT COSTS NO MORE.
Home Office: Entire Third Floor Merchants National Bank Building. Douglas 451..
0. O. TALMAGE, Manager. M. E. LEASE, Ass't Manager.
E. G. BOHANAN, General Agent.
Wheeler & Welpton Co., )
Pkeae Diug. 186 2d Floir ArliigtoB Black 1511 Dodge St.
CERTIFICATE FOR PUBLICATION.
STATE OF NEBRASKA. OFFICE OF AUDITOR
OF PUBLIC AqCOUNTS:
Lincoln. Feb. 1st, 1913.
IT IS HEREBY CERTIFIED, That the Mannheim
Insurance Co. of Mannheim, In Germany, has com
piled "with tbe Insurance Law of this State, applic
able to such Companies and is therefore authorized
to continue tbe business of Fire and Marine Insur
ance In this State, for the current year ending; Janu
ary 31st, 1914.
WITNESS my band and the seal of tbe Auditor
ot Public Accounts, tbe day and year first above
written. W. B, HOWARD,
(Seal.) Auditor of Public Accounts.
L. Q. BRIAN, Deputy.
CERTIFICATE FOR PUBMOATIOX.
STATE OF NEBRASKA, OFFICE OF AUDITOR
OF PUBLIC ACCOUNTS;
Lincoln, Feb. 1st, 1913.
IT IS HEREBY CERT1FD3D, That the German
Alliance Insurance Co. of New York, In the State
ot New York, has complied with the Insurance Law
of this State, applicable to such Companies and 1b
therefore authorized to continue tbe business ot
Fire Insurance In this State for the current year
ending January 31st, 1914.
WITNESS my hand and the seal of the Auditor
of Public Accounts, tbe day and year first above
written. W. B. HOWARD,
(SeaL) Auditor ot Public Accounts.
L. Q. BRIAN, Deputy.
U;o vc rwJO ns sxvtf j-Atr: an' that'm ,.r "T:, i " .z. : . , .L -