THE BEE: OMAHA, MONDAY, JUNE D, 1D13.
3
X
1
J
y
Uefore deciding
on your Insur
ance 'phono D.
1276. and ask
about the new
low tost, all
guaranteed pol
icies, all plans,
tilfe. ttmlted
Payments, En
dowments. Joint or Part
...LI
.i ,J Mon,,'iy Inconveor Pen
non Policies.
& nTTlcli. r- b' Now Jersey
K. BBUOB OABPEWTEB, Mgr.
U9.32 City Nat'l Bfc Bld" oSffiu
1
THE
Union Central Life Ins, Go.
OF
CINCINNATI, OHIO
HARRY O. STEEL
General Agent.
SU-313 Bamare Bldg. Phone D3163
GERMANIA LIFE Company
Has an unusually good opening for a man of character and ability In
each of the following cities In Nebraska: Kearney, Hastings, Minden,
Aaaress,
C'llAS. HA LI JOHNSTON, Mgr.,
480 lleo Bldg., Onmha, Nei.
Equitable Life Assurance Society U. S
Assets over $500,000,000. Paid Policy holders over $815,000,000.
H. D. NEELY &
n. n. nkhijY
JOE KLEIN
20 Omaha National Rank Bldg.
FIRE- TORN A DO AUTOMOBILE PL ATE GLASS BOILER
BURGLARY HEALTH and ACCIDENT
ALFRED C2. KENNEDY
209 First Nafl Bank Bldg. Phone DoukUs 722.
One of the Strongest Life Companies of the West is
THE BANKERS RESERVE LIFE COMPANY
of Omaha, of which Bascom H. Kobison is
founder and president.
With .accumulated assets of nearly $4,000,000.00,
which yield enough interest income to pay the annual
death' claims; with low cost of management none
lower and with low mortality cost; with policy contracts unex
celled and rarely equalled anywhere; with a policy for fair deal
ing which has won for the Company bd enviable reputation; with
a steadily increasing volume of business; with a reserve fund of
about ?3,000,000.00 for the full protection of policy holders,
The Bankers nesorvo Life of Omaha makes a strong appeal to
the hard-headed business man who expects his insurace policy
to pay him a good dividend while he lives, and at the same timo
to afford full protection to the family.
PROSPERrrr
. No one cuh take a trip Into the country tli
enthused over tho wonderful productivity of Nel
oralfalra Is being cut, the wheat Is heading, the c
rows acroHS the fields; who car, see these
whv i ni.M nn. 7i. " "s , ln" ana otner crops are marketed,
n r-.nrUin J!,y.iP,arH?f J'10 mone received for them be used to buy Ufa ln
HUi.mco In outside llfo Insurance companies? If one sound, substantial rea
son can be given, what Is It? Let us write your next Tpolfty!
THE MIDWEST LIF'E
N. Z. SJI3I.XV. President. A Nebraska Company Borne Offices I Tlrst nations.!
OEOKOE OBOCKEB and V. L 3RHHST. ain2?3
omi I3ia-i3i4 cit7 National Bank Building, Omaha, heVraska.
(
ALDRIGE-MADDEN CO.
GENERAL INSURANCE
lJhoce Bouir. 330.
THE TEST I,.ow v,.eve yur tornado
promptness and fairness. """" """" "r palrons are pleaed abouU
GENERAL INSURANCE
1313-14 CITT NATIONAL BANK BUTLDXNO.
W. A. YOWSOS-
IB. BALDWIN &. CO.
fMWi4 AMU. illUf,
MONEY TO LOAN ON OMAHA ft! at. v.ttT&'Pv
uufmaiiucoBaii.
urtyge Trust
heeler &
BS&XABBB
OX AX. I,
1511 Bodge Street. .
f
Hoi weather
M !
i fatr" r-efc spas
A few rooms are to be had in
BEE
The Coolest Building in the City
We will be pleased to show the rooms
Apply to N. P. FEIL. Secretary.
Bee Business Office
Northwestern Mutual Life
Insurance Company
CF MILWAUKEE
MANN & JDNOD
General Agents
638-R44 Hrnndcls nulldlng.
OMAHA
Savings Bank Life Policy
Have You Seen It?
G. W. NOBLE,
Oeneral Agent.
Special Agent,
j, o. KITCHMAH, special Agent.
omcxBi
638-043 Brandels Blag.
Omaha.
or GEO. SUTHERLAND,
Dlst, Mgr., Grand Island, Neb.
00., Managers
E. H. PIOKARD
in Nebraska.
lleHn flllA dnVa Wlthftllt hattii.
Nebraska soil. The first crop
tfiln. Und not"be proW th'.sV.e?
Bee B-lir-
losses settled promptly and fairly? I
Phone Boar. 1703.
w t. m.nnr
- - UMAnjbJU
Phone Bourla
is 371.
company of Baltimore, Ma,
Welpt on Co.
XBBV8ASCE
1ET1TOS
rhona Douglas IBS.
is approacfemg
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.
1UILBING
News From the Insurance Field
SOME FIGURESON INSURANCE
Reports Made to the National Board !
of Fire Underwriters.
AMOUNT SURPLUS AND CAPITAL
(In ttip KHrrKiitf Mum Insured, n
II Ik Itrdut'tlon of Cost In '
NIkiuii In the 1'nnt Ten
Ycnrn.
lnftTotliiK figures were presented at
tho annual meeting of the national board
of fire underwriters held In New . York
City recently. The consolidated figures
of 1S3 stjck fire Insurance companies for
litl2 showed an undorwrltltiK profit of
2.6S per cent of tho net premiums writ
ten. Tho capital ami surplus amounted
to J2S6.7S3.0G-1, on Which tho profit ratio
was 2.7 per cent, l'or the ten-year pe
riod ended with 1913 the business showed
a lofs of .13 per cent. The average rato
was 9.6 mllft less than in 1911, this being
equivalent to a reduction of 2. tier cent
of tho average rate for that year. On
tho aggregate sum Insured this reduction
amounted to ja.994.Ml, and followed other
continuous reductions made since 1907.
Tho ratio of taxes to premiums was 2.tW
per cent and of taxes to premiums les
losses, 5.0 per cent.
Proposed Federal
Inquiry Into the
Insurance Business
A bill Introduced In tho house of rep
resentatives by Congressman Johnston of
Kentucky, It passed, will Inaugurate an
extensive Inquiry Into fire Insurance
business. While applying to the District
of Columbia, the fact that all Important
companies do business In tho District will
cnnblo probers to dig Into methods and
rutes everywhere.
The bill Is similar to tho Insurance bill
of Prouty of Town, but broader, as It
lanes in banks, trust companies and In
surance companies, placing them all In
one category as financial Institutions, and
causing them to leport on' a lot of de
tails to cither the Insurance superintend
ent or the comptroller of the currency, as
the case may be.
Prohibition Is placed upon Interlocking
directorates In banks and financial Insti
tutions of any kind In tho district, and
big changes aro proposed In the present
laws governing banks, aa well as Insur
ance companies and trust companies.
Ono of the Important and far-reaching
provisions of the bill Is that which seeks
to protect the residence part of the Dis
trict pf Columbia from exorbitant rates
charged by Insurance and Indemnity com
panies, which rates are fixed by agree
ment among the various companies.
Insnrniipc iitr, nnd Prrsonnls.
Ohio's fire InKiirnnnr. pnmmlimim. ia
Investigating rates.
The Firemen's Kuml nf Sn
celebrnted Its fiftieth anniversary last
The rush for InmuHn liimironKn In
Omaha has practically ended. It has
ended Bimply because nearly every home
owner In the pltv has taken out a pol-
Governor McGovcrn of Wisconsin has
Signed thA1lllI nrnhlhldnir linnntlinHv.H
Insurance, In snlto of strong pressure
from larue interests which wanted freo
trade in Insurance.
C. O. Talmage. manager of tho Colum
bia Flro Insurnnce Underwriters, spent
a. portion of last week In Chicago, -vlslt-i
Ingr the general offices of tho companies
represented here.
Airs. Grace Wlltklns lmn lm,n nntmlnfArl
cashier In the Omaha offices of the
Germanla Life, succeeding Rosea John
ston, who has taken up field work In
Omaha and ylclnltv.
An organization of Insuranrn m,n In
New Kngland proposes definitely to Join
the fight against unnecessarv fire losses.
The plan Is to use additional rare In
adjusting rates to the class and condi
tion of each building Insured.
Fire Marshal lx)ngloy of Indiana is Is
suing weekly news bulletins which are
being sent to 000 newspapers of the
state. They arc written with a view to
Instructing the citizens of the state as
to tho purpose of the fire marshal's of
fice and the need of greater care In the
prevention of fire.
The Mon Bonding comimny has lxen
licensed to do business In Minnesota, and
a branch office will be established In
tlmt state In the near future. The lo
cation has not ben decided upon, but It
I llkolr to hit St. Paul or Minneapolis.
Omaha offlcees that represent compa
nies that do a crop Insurance business
are writing numerous policies thoso days.
County agents are finding the bustnesn
prosperous. They find that while the
farmers ate not anticipating hailstorms,
they arc willing to let the Insurance
companies carry the risks.
Chief McDonnell of tho fire prevention
bureau of Chicago, Is to leave July 6
for a visit to Kurope. Wo Intends to
visit his old home In Ireland, but will
make a special study of fire prevention
conditions In the Kuropcan cities and
countries for me In the growing work
of the fire prevention bureau.
P A. Dct-ansr, the South Dakota spe
cial agent of the Germanla Llfo and lo
cated at Sioux Falls, was In the city
Inst week, conferring with General Agent
Johnston. While here he purchased n
new automobile and In the machine ho
vas accompanied htme by James V.
Ftorrell. or IJncoln, field Inspector ror the
company.
Henry D. Appleton, first deputy super
intendent of tho Insurance department of
New York, has completed tlilrtv years of
service with tho department, covering tho
UM'tns of five different superintendents,
regardless of polltlcul changes. In ree
rgnltlon of this Mr. Appleton was given
n theater party and a banquet nt which
he was presented with a silver cup.
W. 11. McCord Is one of the most heav
ily Insured men In the city. In tho Ger
manla 1 lfo he carries a llfo policy on
which the annual premium amounts to
fl.337.715. For this year his dividend
amounted to JJ37, hut Instead of using It
to reduce the premium, he Is letting It
remain with tho company, accumulating
paid up Insurance.
Indications arc that the annual meet
ing of Nebraska fire Insurance men. to
ho held r.t Fremont June 17. will have
an attendance of several hundred. The
way tho affairs are lined up now. It Is
thought that It will be Impossible to
dispose of all of tho business In one day,
as planned. Fremont Is making arrange
ments to tako care of the Insurance men
In splendid shape.
Life Insurance men are considerably
confused over tho new laws, passed by
tho last legislature and effective July
17. Omaha agents arc coni.lderlng the
calling of a meeting within a couple of
weeks for tho purpose of digesting theso
laws nnd becoming familiar with their
features before thev become operative.
Certified copies of most of the new laws
and amendments have been received and
have been referred to the law committee
of tho local association of llfo Insurance
agents. The report will probably bo sub
mitted at the meeting proposed.
Tim Omaha building nnd loan associa
tions do not propose to sustain losses
the next time a tornado visits any sec
tion where thev have loans. Borne time
ago they notified parties to whom loans
were made that they would have to In
sure against tornadoes. Most of the
turtles compiled wun me requirements
n Dm notification, but thoso who did
not, now have tornado Insurance lust
the t-ame. The companies have had tho
insurance wtlttcn and chatged the ox
ponso against those making tho loans.
The loss clause runs to the holder of the
n-ortsage.
Special Agents 6f
Railroads Stop Here
Next Sunday will be a mighty bod day
for crooks who happen to be In Omaha,
especially thoso who mako H their busi
ness to tamper with railroad property.
On that day, practically all of the spe
cial agents of the railroads of the United
Stutes and Canada will be In Omaha, ar
riving from the east at 7:33 In tho even
ing, providing thero Is no change In the
plans. There will bo about 400 of them.
This year the annual convention of spe
cial agents of tho railroads of the United
States and Canada will bo held In Halt
Lake City, convening Juno 17 and con
tinuing three days. From hero they will
go west on tho Union Pacific, and will
bo accompanied by W, T. Canada of
this city, one of the charter members of
the association. The opening session of
the convention will bo addressed by P.
J. Klndelon, chief of the secret service
department of the Southern Pacific.
Hovr the Trouble Stnrts.
Constipation Is the cause of many ail
ments and disorders that make life mis
erable. Tako Chamberlain's Tablets, keep
your bowels regular and avoid these dis
eases. For sale by all druggists. Adver
tisement.
-
K
ant a
iTENOGRAPHER f
An inefficient stenograph
er is tin irritation of many; offices. She
makes mistakes in your correspondence;
she cannot remember what you tell her;
she doesv not seem to be able to do any
thing without detailed instruction--there's
no use of your continuing with
such an employe in yonr office.
(let a stenographer who will turn out
-lean copy in your letters, who knows
what to do all the time, and who really
takes tho place of a man' in your offico.
The Beo will get one of this kind
for you. Use Beo classified ads and the
results will bring you a stenographer
upon whom you can depond.
Bee Want Ad.
Department
TYLIJR 1000. ' '
We would make this drawing for you for
$3.00, and the cut for $8.02. Let ua do rour
work.
Bob Engraving Department
Bee Bldf. Phone Tyler 1000
How Adjoining States
XltJUULip Jt li t) JJUBBOB
in Missouri
The fire Insurance situation In Mis
souri continues In a state of confusion.
Old lino companies aro unchanged in
their attitude, while local companies arc
not taking all the business offered, fear
ing a swamping overload.
A comparative table of rates and loss
ratios In Missouri and adjoining statcn
printed In tho St. Louts Globe-Democrat,
throws an Instructive light on tho
Insurance snap Missouri enjoyed hith
erto. For example, tho fire rato In Ne
braska averages $1.07 and tho loss
ratio .512. Iowa has the same rato and
a loss ratio .6SS. In Kansas the rate Is also
$1.07 and the loss ratio .733. Tho rate In
Illinois Is 11. 1G and the loss ratio .515. In
Missouri the rate Is 97 cents and the
loss ratio .73. Thus In the four states
named the avcrago rate for flro Insur
ance Is higher than In Missouri and the
loss ratio considerably lowor. In other
words tho four adjoining states wero
milked by the companies to eqimllxo the
deficit In Incomo from Missouri.
Various schemes are suggested to re
lieve tho situation In Missouri. The refer
endum petition plan Is not progressing
favorably. Commercial clubs of 8t.
Louis and Kansas City have been dis
couraged by the receipt of letters from
several fire Insuranco companies saying
that they would not resumo business In
Missouri even If the referendum should
suspend tho Orr law, as there are other
Missouri laws sufficiently objectionable
tcr-Keep them out. now that they have
once suspended business,
Commercial paper leaders In Chicago
say that they aro unable, to sell any
paper for Missouri business men as a
result of tho Insurance troubles. Inves
tors In notes aro ablo to get all tho paper
they want, backed by satisfactory Insur
ance, without taking the chances that
are Involved In Investments In Missouri
paper under existing conditions.
Woodmen of World
to Hold Big Carnival
Tho Druid and Seymour camps of tho
Woodmen of tho World will hold a
carnival the week of June 18 at the old
circus grounds, corner Twenty-first and
Paul streets.
Rice and Dore Water circus and XX
shows have been engaged to furnish all
their amusomcnt features, Including the
most talked of sensational novelty ever
offered by any carnival organization, tho
water circus. Thla attraction Is a replica
of tho New York hippodrome's most
famous featurp aquatic offering, "Nep
tune's Daughters," or "A Trip to tho
Bottom of the Sea." This old fable Is
put on In a striking and artistic manner,
over thirty aquatic stars tako part In
this beautiful spectacle, besides prcscntr
Ing tho legond of Father Noptuno and
his Mermaids a performance consisting
of water walking, log rolling, fancy and
trick swimming and lofty and difficult
diving Is given.
Another feature that. Is out of the
ordinary that Is being presented Is the
motordromo Or tho death whirl, an at
traction that Is called carnlvaldom'a
most hazardous spectacle.
An Incline track at an angle of seventy
five degrees, almost perpendicular,
twenty feet high and sixty-five feet In
width Is tho structure where the mortor
cycle races are held. It surely will make
your hair stand on end to see the dare
devil riders racing at tho rate of a
hundred miles an hour on this shallow
track and tee them skirt the edges,
when a little slip would mean Instant
death to the riders.
A Hudden Collapse
of stomach, liver, kidneys and bowels Is
most surely prevented with Electric Hit
ters, the safe regulator. 60c. For salo by
Ileaton Drug Co.-lAdvertlsement.
Tho Oninha Cvclono. tho Davton
Flood, also tho many othor cata-
uopiiea which hrivo recently occurrod
throughout Iho nation has impressed
ovory man with tho importance of
Accident Insurance, for It is tho
'might of folly for nnv man not tn
protect his most valuable nsset, "tho
monoy vnluo of his timo."
National Fldollty & Casualty Co.
policlea aro tho moat liberal.
1'atronlzo a Homo Company.
National Fidelty &
Casualty Company
National I'M. iu . n ..
An excellent opportunity for live agents.
TOBVi KELLY
Jay D. Foster
Foster-Barker Company
Successors to
IS. E. Palmer Son & Co.
Accident HeaSfh Insurance
LIBERAL CONTRACTS
Losses adjusted by us right here
in Omaha.
Brandeis Bldg.
Let the Buver Beware
BEE UB 13 STORE BUYXNO ANOTHEB FOZ.XOT XX A9TX B KAN OK
Or INSURANCE.
GALLAGHER &
Oeoeral Agent
MARTIN BROS. & CO.
Workmen's Compensation Insurance
BARKER BLK. TEL. DOUG. 735
BOOST TO& 02UBXA
The Columbia Fire Underwriters
or OM.xta.
Borne Office Entire Third rioor Merohanta National Bank Bullalng.
rhon UoUfflas 4S1.
3. O. Talmage, Uaaager.
Seek no Further
LION HEALTH and ACCIDENT policies cannot be ex
celled. Its UNLIMITED policies can be issued in any
amount desired by the Business and Professional man.
Smaller policies are issued in all classes. There are none
better ask the man who has one,
Lion Bonding & Surety Cm.
9th Floor W. O. W. Bldg. Phone Douglas 678.
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
J. H. Mitten Co.
INC.
021-1 CITY NATIONAL
n.VNK niiPO.
Surety nonds, Kmploycrs' Lia
bility. Automobile Liability,
Burglary, Plato Glass.
INSURANCE
"State Mutual Life"
OF WORCESTER, MASS.
ONE OF THE OLDEST 69 YEARS
and Dcat Companies on
Garth.
W. H. INDOE
General Agent
ana non nuiidmc, omaha
L1F13 INSURANCE
ACCIDENT INSURANCE
Klgltty-flvo Millions Assets.
"Tho Insuranco Man"
PHONO DOUC1Z.A.S 861.
Joseph Barker
Phane Doug. 29
NELSON
S. 3382
XUlnola Surety Oo.
V. B. X,eaae, Aialatant manager.
J
i
