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About Omaha daily bee. (Omaha [Neb.]) 187?-1922 | View Entire Issue (May 4, 1913)
THE CftrAHA SUNDAY BEE: fAT 4, 1913. 70 y The Life Insurance Agent ERT recently Lincoln K. Pasj- i more, vice president of the f I Fenn Mutual Life Insurance llvered an address at the Western Reserve university In connection with Its course of lectures on Insurance, taking for his subject, "The Field and the Asent." Mr. Passmore covered the general field of life Insurance very carefully, explain ing the purpose of the business. Its de velopment, the several sorts of policies Issued, the advantages of one or the other, and gave examples of their ap plication and of the problems that are met In the administration of the busi ness. He gave some very lnterestlne figures, showing the Importance and growth of life Insurance. Showing how extensive Is the field, he pointed out that life Insurance as now understood Is but seventy years "established In this country, yet In the Intervening short time It has developed to such enormous pro portions that on December 31. 1911, (the latest full statistics at hand), admitted assets of 233 companies doing business In the United States and Canada were (1,203,307,728, and the amount of Insurance In force was $18,584,88,216. The payments rr.ado by these companies to policyholders In claims, dividends, surrender values and other benefits In that year aggre gated 592,4O,O0O, and the Increase in in surance was nearly $3,000,000,000, with on even larger Increase In 1912. Notwith standing these almost lncomprehenstva figures, when they are taken In compari son with the value of human life ex posure, we find that life Insurance work has scarcely begun. It Is conservatively estimated that In this country and Canada there are perhaps 10,000,009 per sons Insured under the great variety of policies Issued by the many companies doing business therein. It Is probable that In this country there are several times this number of persons of the ages of 18 and upward who aro not carrying ordinary life insurance. At least half of these constitute hopeful material for life Insurance solicitors to work upon, and In addition a large proportion of those at present insured, either now or In the near future, will need to Increase the amounts they are carrying In order to properly care for their varied Inter ests. These features have been touohed upon that you may be made acquainted with the magnificence of the life in surance structure, the vastness of the present work, the llmltlessness of the great field, and the agent's opportunity. The laborers are not yet sufficient for the harvest; and herein Is the oppor tunity for some of you, who will de velop through your college education the peculiar fitness that Is claimed as a necessity for successful achievement In any direction, the undoubted tendency being for specialization. "These policy features show how the need" of life Insurance Is ever broaden ing, and that the field presents not only an assurance of permanenoe of occupa tion, but opportunity for willing or even brilliant endeavor." I About the Aarcnt. In his dlsoussloa of "The Agent," Mr. Passmore said: "Tho Introduction of life Insurance to the public Is a serious matter and calls for Intelligent and reliable salesmen. Only those who are freely impressed with the advantages which are to , come to the purchaser should engage In Its sale. It Is the agent's convincing Interest In the benefits which are to come to the In sured that directs the hand to the dotted line on the application and secures the signature' of the candidate, which, in turn, brings the compensation for the agent's effort "While there Is a serious side to the presentation of life insurance, yet on the principle that It is not good to go in mourning to a land of eternal bliss, and happiness Is the condition most desired in all of the relations of life, so may the agent enter upon his work to advan tage with a cheerfulness and heartiness that will moke him a welcome caller. There Is also need for him to consult the convenience of his prospect and in other ways act tactfully In the presentation of his claims of advantage to the Insured In taking a policy, and not allow himself to be too requently switched off into other lines of thought that permit of far-afleld discussion. An agent should i bo so fully acquainted with' his case and so deeply Interested In tho substantial service he is about to render as to neg ative the possibility of any frivolous or flippant treatment of life Insurance or re lated questions. Austerity and seventy are equally to be avoided, and one may be seriously dignified and earnest In the presentation pf his claims without sacri fice of any of the business courtesies or the cordiality which should control his deportment Perhaps more important are those qualllcations which spring from ex perience, from a knowledge of men and theln moods, which we are accustomed to associate with readiness, or Initiative, being the ability promptly to recornlxe the urgency of a situation and to meet Us demands tactfully and adequately. What I have In mind may be more easily explained and better understoqd by Illus trating with an accident One Man's Method. "A well known life insurance agent had persuaded a prospect to agree to take a $50,000 policy In his company, the applica tion to be made on a certain day Just before the prospective applicant with his wife and three children were to start on a trip to Europe. Keeping the appoint ment the agent was greeted with the as surance by the prospect of his Intention to take insurance amounting to $50,000, but that this amount would be divided Into $10,000 policies and placed amongst five companies. Without evincing sur prise or disappointment the agent asked what had led Mm to make this change. I do not think it wise to put too many eggs Into one basket,' was the reply. Now here an Inexperienced agent might have made the mistake of undertaking to Induce the prospect to change his opinion then and there. Not so with this skillful canvasser. Without trying to con ' trovert the wisdom of the adage upon which tho prospective applicant had based his latest conclusion the agent sat down and began to write the application. After this had proceeded for some time the point In the application where the amount of the policy Is stated was reached. By this time the applicant supposed that the Wisdom of the change from one $V.O0O po'ley to five $10,0(0 policies had been conceded by the agent But the latter pauired and said: 'Let me see, you sail on Saturday, do you not? 'Yes,' was the answer, 'at U o'clock on Saturday.' His Qualifications, His Opportunities, and His Rewards; An Attractive Field of Endeavor for Men Who Have the Spirit and Ability to Present a Good Thing the Right Way. : : : 'When do Mrs. and your boys sail 7' 'Why, at the same time, of course.' 'Tou surprise me. I did not suppose you could find Ave ships all sailing on tho same day from this country to Europe.' There are not five ships sail ing on that day. We are all going to gether In the steamer City of Cleveland.' 'Oh, I thought you were In earnest when you said you did not believe In putting too many eggs In one basket' 'Well, we picked one of the best ships afloat, and we are going over, or going down, together.' That Is what you ought to do with your life Insurance pick the best company and take your chance with If The result was that the amount of the policy was set down at $60,000 and the agent secured the entire amount of the business for his company. Conipnnles Widen Field. "As the Importance of the business manifested itself the existing companies wldoned their fields of operation and In vaded districts that had ben regarded exclusive to the companies domiciled therein. Many new companies were also organized, and began to reach out tor business by establishing agencies In all parts of the country. Active competition developed to secure business, and the of ferings grew more rapidly than the de mand. The public was slow to be aroused to the needs of life Insurance and the managements realized that they could, hope to continue the business and de velop their companies only by creating a greater desire for their products. How to reach the public and convince It of the benefits to be derived from carrying proper protection for dependents became the paramount question. The newspaper, read In every home, was for a time re garded as the best medium to bring peo ple to a proper understanding, and many companies began to exploit their own merits by attractive and expensive adver tisements. Then the growing circulation of the magazines seemed to present a fer tile field In which to cultivate a desire for life Insurance protection, and every one has read with more or less Interest the seductive presentation of the sub ject not only In their reading columns. but also In the advertising sections of these many attractive periodicals. Many valuable newspapers were also estab lished wholly In the Interest of life Insur ance work, and perhaps to those more than any other press medium are we bound to give credit for Information that has been helpful In educating the public to a better understanding of the advan tages of life Insurance. The other efforts of the companies were strongly supple mented by these many Journals partly or wholly devoted to the business. Let full credit be given to all of these contribu ting sourceB, but It woa discovered that It required the publlo to come under the convincing Influence of the solicitor In ordor to secure the business. The man agements discovered that the agent was the real factor and that more attention would have to be paid him, and that offerings in the way of compensation would have to be made more attractive In order to get the right kind of men to engage In the sale of Insurance. Tonus, Man's Choice. 'The young man considering the cholco of vocation must give attention to his probable chances of remuneration, and it may be of some Interest at this Juncture to recite what has been the practice of the companies in compensating their agents for services. From the earliest time tho agent's earnings have been more or less measured by the amount of busi ness produced, because the basis was largely or wholly commissions on sales made. For many years the commission scale was so low that life Insurance sales manship, as a business, did not attract many ambitious and capable men, either from other lines of work or as an Initial occupation. However, n the later keen rivalry for growth and recognition of the potentiality of agents, the companies en tered upon a competition for their ser vices which was attended with more or less harmful results. Various questionable plans of i compensation in the way of guarantees, bonuses, salaries, advances, etc., superseded the moderate and Justifi able commissions thathad theretofore pre vailed. For Instance, an entire corps of agents was induoed to withdraw from one company and take service with another, and then upon receiving an offer of still higher compensation returned to the for mer. Everything In this way was un stable. It was not long before 'compensa tion ceased to be a pay for service, but was a large factor In promoting conces sions or rebates to the Insured. In many Instances life Insurance was not sold It was practically given away for the first year, and those gifts continually weak ened the companies which gave them. The conservative companies resisted these encroachments upon Just methods almost to the extent of disintegrating their agency organization. Perceiving this effect they, too, were compelled measur ably to Imitate the practices of the more aggressive Institutions in order to hold their active producers and maintain a reasonably salutary growth. These ex traordinary Inducements to agents, wholly inconsistent of right methods, since they served to Increase the cost of Insurance to the premium payer, became so flag rant and attracted so much attention that perhaps, more than any other cause, they contributed to bring about the Investiga tion of the life Insurance business by the legislature of New York and the subse quent adoption of legislation fixing a maximum of expense for the procurement of new business related both as to first and renewal commissions. While this legislation was vigorously resisted by many companies and their agents, yet there Is now perhaps general satisfaction that it prevailed, and all life Insurance organizations are today better admin istered, rendering greater service, more secure and stable and prospectively far more useful than of the old conditions had been permitted to continue. The com pensation to agents today may be regarded on a parity with the probable earnings from other vocations, and offers equal attractions to young men to engage In the sale of life Insurance by comparison with other lines of business. Qualifications '-Demanded. "The kind of person best fitted to become a life Insurance company's persona! rep resentative Is the one who, through edu cation and cultivation, personal appear- j awe and manners, would be qualified I to grace any of the so-called learned j professions. He should be a person of i Indomitable perserreranoe and Industry, one who Is master of himself and not given to yielding to self-Indulgence, one who will work faithfully without othor spur than the regard of success and a sense of duty. The agent Is the personal representative" of the company In his lo cality, and Its reputation In the neighbor hood will be much what he makes It If he so conducts himself as to command the confidence, respect and goodwill of the community his company will be well thought of and popular unless there bo something In Its management to counter act this Impression. If, on the contrary, he Is Indifferent negligent or untrust worthy, the business of the company will suffer there. It goes without saying, therefore, that the local life Insurance agent should be a person of loyalty and fidelity, and one whose habits, reputa tion, character and qualifications are of a high grade. "There Is to my mind no more Inviting career than that of engaging In the work of life Insurance solicitation as the repre sentative of a good company. looking at It from ray standpoint there Is no mom honorable calling. When an agent has In duced a person to Insure his ltfe he has overcome that persons's worst enemy the fear of departing from this world without having mads adequate provision for his dependents. He has started this person on a career of prudence and eco nomy. He has established a means whereby the widow and orphans will be provided for. In advocating life insur ance protection he Is proclaiming the gospel wherein It Is declared that 'he who provides not for his own, and espe cially those of his own household, hath denied the faith.' He Is & good citizen doing a good work for the publlo, a pro- clalmer of the truth of the highest Im portance, because productive of the great est benefits. The worthy agent la a man respected and honored In his community. He Is consulted upon business matters, as Is the lawyer or the banker. Once possi bly looked upon as an unwelcome caller, he Is now regarded as a faithful friend and wise counsellor. Capital Reanlred. "For engaging In this business the prin cipal and capital required Is good head work, a good degree of culture, good ap pearance and a good character. No large amount of pecuniary capital Is needed. Indeed, the substantial spur of lock of fortune and the necessity for present earnings are often rather a help than a hindrance. "In any business enterprise, whatever Its nature, In which substantial reward follows successful Individual effort and opportunity is a spur to ambition, and In which competition and comparison with rivals are necessary factors, there Is Inevitably a tendency toward misrep resentation and exaggeration. Competi tion Is likely to be turned Into condemna tion and defamation takes place of fair comparison. From these Influences ths life Insurance business has not esoaped, but to combat them and to establish a broad basis of mutual helpfulness upon which all Individuals might work in harmony tho field representatives of the companies have organised Into associa tions. Through the splendid work of these local life underwriters' associations of the country, and tho national associa tion, of whloh the local bodies are mem bers, the evils of strenuous competition hove been materially lessened and whole some conditions established. Vocation Truly Honored. "As to the standing of those who en gage In the vocation of lite Insurance so licitation, I candidly believe that It s to day as worthy of honor and as truly hon ored as any other calling In lite. I believe further that In all the qualities of re putable manhood the life Insurance agents of today, as a body, will compare favor ably with any other class of business or professional men or women. Such being the case, it follows that the compensation received for the service must, on the average, equal that received In other oc cupations not Involving the use of large capital. I am quite sure that the average Income of lite Insurance agents oquals, and In all probability exceeds, the average Income of the dootors and lawyers of tho country. The agent has these ad vantages: That his field of operation Is not restricted by artificial limitations, but Is always as broad as he can cover, and that he does not need to wait tor his clientele. He goes to seek business and he gets It wherever it Is obtainable. He Is, therefore, far more the architect of his own fortune, tar less restricted by the circumstances and conditions by which he Is surrounded than any other class of workers. Wherever there Is business it Is open for his seeking in competition In many cases, of oourse, but therein lies the test of his skill, the strength of his resources, the measure of his adaptability. There Is always ample business to be had by the Indus trious, the Indomitable, the enthusiastic, the resourceful agent He has but to go after it In the right way. "Although the agent is bound by every obligation of honor and duty to the high est loyalty to his principal and to the strictest obedience to Instructions, he Is In reality far more Independent than are men following most other Vocations. Be ing paid by commission he gets exactly f CERTIFICATE OF PUBLICATION State of Nebraska, Office pf Audi tor of Publlo Accounts, 1 Lincoln, Feb. 1, 1911. It Is hereby certified, that thn Ag ricultural Insurance Company of Watertown, in the state of New York, has complied with the Insurance law of this state applicable to such com panies, and Is therefore authorled to continue the business of fire, light ning and tornado Insuranoe In this state for the current year, ending January 31st, 1914. Witness my hand and the seal of the Auditor of Public Accounts, the day and year first above written, W. B. HOWARD, Auditor of Publlo Acounts L. O. Brian, Deputy. Garvin Bros. & Bollard Agents CJLEWS FAX.X.S AQKIOITZ.TimAX UVEA 2 IBS PENNSYLVANIA NO BT1I WESTERN NATIONAL FIRE, TORNADO and ACCIDENT Insurance phoxts nouaiiAfl ess. 345 o'kaxa xtatxohax. bahk bldo. I what he earns and when It Is earned. He Is master of his own time because ho re ceives pay for what he does and not for the time consumed In doing It No one, however, Is likely to reach prominence and success In this calling who Is not so thoroughly master of himself that no allurements can seduce him from devot ing that portion of his time to strlot at tention to business, which, by experience, he has found, to be most productive In Its results, in this, as In other lines of work, the Inherent, constitutional fond ness for ease residing In all of us mid to be credited with the production of many labor-saving devices and ameliora tion of our lives must yet be ruled by an energetlo and achieving spirit that pre fers to work too long than too little. In an experience embracing many years I have never yet known a faithful worker In our business who failed to secure at least a fair Income, and this Independ ently of any special genius, skill or men tal equipment of which, of course, there are many degrees. Ilrnefnctor of ltla Kind. 'There Is much more that might be said of the agent and his work the work that lies at the foundation of ahd has built up, stone by stone, the great pyramid of life Insurance but time with us, unllko the field In life Insurance, Is limited, and so I must bring this discourse to a close Let me say then that, exclusive of the pecuniary reward he receives for his labors, tho life Insurance agent can go through life with the' consciousness that his friends and neighbors have been bene fited by the labors of his hands and brain and tongue. Look about him almost where he will, he will see widows pro vided for. who but for his convincing loglo and persuasive force would havo suffered for want; orphans cared for la their own homes, who but for his labor would have been forced out Into a cold and unsympathetic world; children edu cated, who but for htm would have gone through life with the handicap of Igno rance. He will dally meet men whom he has taught prudence and economy; In whom he has Inspired dovotlon and self sacrtfice for tho sake of their loved and dependent ones, and thereby made thom nobler men and better citizens. And at the close of every day, In the evening of life, seated by his own fireside and com muning with his soul, he may have the supreme satisfaction, the highest that human life affords, of calmly and fairly reviewing his work with the feollng that Indeed, his efforts were not In vain." LIFE INSURANCE LEGISLATION (Continued from Pago Six.) In reducing the premiums on tho policy of for the purchase of additional lnsur ance. The coupons In no Instance repre sent profits which are paid by the com pony to a policyholder, but an agent In selling such a policy often represents the coupons to be .profit. For Instance, If the annual premium on a policy la $35.00 and the coupon Is $3.0, it is represented that the policyholder gets a dividend or profit of 10 per cent on his money, and If he dies the company will pay the full face of the policy. The fact Is, this coupon Is nothing more nor less than an over charge by the company of tho premium on this polloy. In the Illustration above the premium on the polloy Is not $35,00, but $31.60. There Is added $3.60 to this premium, making It $35.00 and the $3.60 Is the amount of the coupon. Such forms of policies merely deceive policyholders and educate people away from the funda mental principles underlying life lnsur ance. There are other provisions In this title which set out the things which every accident policy must contain. Another section deals with provisions which acci dent companies cannot Insert In their policies. Under article 10, entitled; "Miscellane ous Provisions," rebating, misrepresenta tions, twisting and discrimination of all forms are prohibited. Section 166 makes It unlawful for a company or agent to sell a note received In payment of any part of the premium on a policy of In surance prior to the delivery of the pol icy. Article 1L which treats of fraternal Insurance, Is practically tho old law thereon. Such, In brlof, are the main provisions of the new Insurance code. It still per mits deferred dividend policies to bo Is sued; but If Issued, an annual account ing, beginning with the third year, Is required, and the amount apportioned must be carried as a liability. In this respect the law Is no more stringent than the laws of Colorado, Illinois, New Jer sey and New Mexico, all of which re quire an annual apportionment and the amounts so apportioned to be carried as distinct and separate liabilities. Not as HtiinRent as Others, It is not as stringent as the laws of Idaho, North Dakota, Ohio, South Da kota, Indiana, Massachusetts, Michigan, Maryland, Minnesota, Montana, New York, North Carolina, Washington and Oklahoma. Life Insurance companies In these states are required to pay dividends on participating policies either annually or every five years. . On the whole, the new Insurance code Is Just and fair to policyholder and com pany alike. Where error has been com mitted or leniency shown, It has been In the Interest of the home companies. The passage of this bill marks a brighter and better era for clean, whole some methods In selling Insurance In Ne braska. It Is along the line of the best legislation In other states and the legis lature of IMS deserves great credit for enacting It The statute revision commission, Judgo A. M. Post ex-Senator B. L. King and J. H. Broady, Jr., are entitled to no small measure of praise. After drawing the. bill, they patiently listened to the CERTIFICATE OF PUBLICATION State of Nebraska, Office of Audi tor of Publlo Accounts. Lincoln, Feb. 1, 19tS. It Is hereby certified, that the Pennsylvania Fire Insurance Com pany of Philadelphia, in the State of Pennsylvania, has compiled with the nsurance law of the state, anplcable to such companies and is therefore authorised to continue the business of fire insurance In this state for the current year endng January 31, 13H. Witness my hand and the seal of the Auditor of Publlo Accounts, the day and year first above written. W. B. HOWARD, Auditor of Publlo Acounts L. Q. Brian, Deputy. for I4H.WAUKXE lOSOBASROSJ ttXTBOPOLXTAJT OAST7A3TT SAW 7SB8BT P&AT2 Q&ASB F20FX.B3 NATIONAI. criticisms and suggestions of the Insur ance men for four or five weeks In order that representatives of every kind of In surance might be heard. The confidence whleh the members of th Igtslature had In their ability and Integrity had great weight and was a big asset In favor of tho bill. Without their assistance It Is very doubtful If 'any such a measure could have been passed. The strong nml effective work of the Insurance committees of the senate and the house should not be overlooked, They resisted all kinds of pressure fo nmond and weaken the bill. The general public will never know all the assaults which were directed against this measure, nut It Is now the law and all who believe In honest straightforward business methods and n reasonable regulation of Insurance companies have oause to rejoice. Agency Handles All Lines of Insurance Representing eight strong companies and writing every known kind of Insur ance, the Garvin Bros, and Bollard Insur ance agency Is keeping pace with tho rush of Insurance business since tho tor nado. The company was organized dur ing the current year and already shows signs of developing Into a very active competitor for the larger and older agencies. F. E. Bollard, formerly of the firm of Hutchlnson-Bollard company, Is vice president and actively manages the busi ness. Ills many years of experience In the insurance field, together with the wide business experience of his as sociates, will enablo the firm to make great headway In a short time. The Clarvln Bros, and Bollard agency Is In corporated and haB offices In the Omaha National Bank building. Pointed PnrnKrnphs. Tile most expensive thing In the world Is getting even and It Is hardly ever worth tho price. And a woman can put up a hard fight with her tongue and her tears than a man can with his fists. M . A wise wife is one who pretends to be asleep when hubby comes In at 2 o'clock In the morning and knocks over tho fur niture. Two o'clock Is a poor time for offcctlvo argument Chicago News. Lion Bonding & Surety Company HENRY HAUBENS, Pros. J. C. ROOT, Vlc-Pres. At Investments, real estate, loans; bonds and warrants .... $282,341.47 Gash in office and banks . . 87,490.76 Due . from Agents, less commission . . . 28,066.29 Bills Receivable . 2,000.00 Accrued Interest . . . . . . . . ; . 6,276.26 Total . . .. ...... $406,174.78 : LIABILITIES Cash Capital . . . $252,000.00 Reserve for Contingent Claims . . . . -.;. 10,993.35 Federal, State, etc., Taxes . . . . . ' 1,389.17 Other Liabilities ......... :' 1,097.23 Surplus and reserve for re-insurance 140,695.03 Total ... $406,174.78 FIDELITY AHD SURETY BONDS 1 ' BURGLARY AHD PLATE GLASS INSDRAHCE ACCIDENT AH I HEALTH INSURANCE ORIENT Insurance Company of Hartford, Conn. CAREFULLY selected and widely scattered risks. Fair and liberal in adjustment of losses. I Solicit Your FIRE and TORNADO Insurance osnTrrzOATXi or wbimaxzotx State of Nebraska. Office of Auditor of Public Accounts. Llncon, Feblruary 1st HI. It Is hereby certified, that the Orient Insurance Company of Hart ford, In the State of Connecticut, has compiled with the1 Insurance law of this state, applicable to such companies, and la therofore authorised to continue tho business of fire and tornado Insurance In this state for the current year endng January 31st, 1914. Witness my hand and the seal of the Auditor of Publlo Account the day and year first shove written, V. B. HOWA11D, Auditor of Public Accounts. L. CI. Brian, Deputy. Alfred C. Kennedy SOLE AGENT 209 First National Bank Bldg. Doug. 722 m I ("kilt f" tf I If" " Tne Omaha professional man I HI MlllWr'VI I IrS docs i:ot keep his bank account In BltLIfll&JIflaUl LIB L Now York City. Neither does the Ashland merchant, nor the Paw- xmsUBAHOn IW rosea nee county farmer. The City Na- ... .... . tlonul Bank of New York Is larger December II. 1MB $ 6R9.000 ftnJ , tr rM0Urce, than th. December SI. 180S J'l?'"! Nebraska Bank. Why. then, do 5e5ep J ' lt ?'SJI'i " People of Nobraka transact December II 191$ J'"'"? their business with their local March 81. 191S E,0l,614 banks -rather than with the City onoisi National or one of the other big v v nn.ti w.m..,. ' eastern banksT First, because blg- w, Hneii. i resiaent d necessarily mean j R tt Vlce-Pre.ld.nt Kroftter reUtlv, nnftncU1 gth. nr m it 2i,.i , Second, the personal element Ml A. Hyde. Agency Director. t Third, it would be decidedly incon venient. The local bank can serve Its patron tetter than any other bank, no matter how big the other bank may be. In like manner, Tho Midwest Ltfe can serve the people of Nebraska better, quicker and with less red tape than companies from 1,000 to 1,500 miles away. It can deliver Its polices much sooner after an application la received, It, can approvo a request for a change In beneficiary before the homo office of the eastern company Is aw aro the policyholder wishes to make change. It con pny a death claim while the eastern company Is fur nishing the blanks on which to make the proofs. Buy your Insurance In The Midwest Life N. Z. SMELL, President A Nebraska Company First National Bank Building, Lincoln Omaha Office -1313-14 City Stations! Bank Bull&liiff. A. A. Taylor ana Q org Orooker, General Agents. T. A. Honey, RpsoUl Agant Statement of Finaniial Condition -OF the close of kusinees December 31st, RESOURCES HOME OFFICES 8th Floor Woodmen of World Bnildiig OMAHA E. H. LUIKHART, Vle-Pra. C. W. SNAPPER, Steratary 1912 S9H ttki imiWsTua i uu .is Mm t