Omaha daily bee. (Omaha [Neb.]) 187?-1922, December 29, 1913, Page 3, Image 3
TILti KLK; OMAHA, MONDAY. Ph( hMIlf'TR 'JH. IHl.'?. WANTED General agents in tliis territory for the now year. Wo aie prepared to make extra liberal contracts. Business growing rapidly policies unexcelled are easy to soil. Men able to get results can l.nake big money. Write or call on THE BANKERS RESERVE LIFE COMPANY OMAHA, NKIHtASKA. MILLIONS. OP ACCUMULATED ASSETS. Bascom II. Roblson, Pres. 11. C. Wagner, Soo'y. R. L. Itoblson. Vice-Pros. W. 0. Preston, Treas. 0 Guarantee Fund Life Association OMAHA, NEBRASKA. Organized January 2, 1002. Assets, Oct. 1, 1913 $1,212,304.70 Reserve Fund, Oct. 1, 1913 985,293.54 First Mortgage Farm Loans, Oct. 1 583,337.50 Kntiro Assets Aro Pledged to Secure Policyholders. Policlos provide death, dlsnbililty and old ago benefits, and aro incontestable after two years from their date. Un6elflsh men desire life insurance for protection for tho family. That is the only kind of a policy we issue. Men only, 21 to CO years, aro eligible." Slnco most men desire life Insurance mainly for protection, why uot buy a policy that will best serve your needs? Rate per $1,000 Insurance, ago 35 years, $13.30. Guaranteed by entire assets. Other ages in same proportion. Home Office :-: :-: Brandeis Bldg. Phone Douglas 7021. "See Vesy Before You Slip" ACCIDENT INSURANCE TYLER 861 There Is a Standard In Everything Tho General Insurance Agency with the largest pat ronage, must necessarily approach the. standard of ser vice companies, and general reliability "perhaps this ex plains our position at the top." Foster-Barker Company Brandeis Bldg. Phone Doug. 29 V1U1 UVkVl f V VUiVlAl IbSf A V AtfXs This is what you get whon the "Lion" writes your bond. No delay, no red tape. No bettor servico in tho WORLD on SURETY BONDS and you can got at our HOME OFFICE here in OMAHA, Lion Bonding & Surety Co. 9th Floor W. O. W. Bldg. Phone Douglas 678. We don"t wnnt much, just tho "Lion's Share.'" INSURANCE AGENTS It is to your interest to have a contract with the MISSOURI STATE LIFE INSURANCE. COMPANY EIGHTY MILLIONS IN FORCE Matchless Policy Contracts. Liberal Commissions. Write J. E. AUSTIN, General Agent, 894 Brandeis Building. OMAHA. f -INSURANCE- KJKI3, TOH.VADO, AUTOMOIULH, PLATE GLASS,' BOILER, I1UROLAUV, HEALTH and ACCIDENT. ALFRED C. KENNEDY 200 First National Dank P.ulldiug. SAFETY OF BANK DEPOSITS! Review of Guaranty System in 1 . ! Operation in Four States. WORKS WELL IN THREE STATES SVrbraskn. KiwiKn -nnil Texan Make Good HIkmtIiik, While Okln hnmn Meet Some 31 li- fortune. "Four years More of Deposit Guar anty" Is the subject of a comprehensive article In the Harvard Quarterly Journal of Economics by Thornton Cooke, a vice president of tho Fidelity Trust company of Kansas City. Mr. Cooke probably has fclven more thorough consideration to the Kqaranty of deposits In all Its phases than any other man In tho country. He prepared u careful study of the subject soon after Oklahoma adopted Its guar- On,,- tntir ..! 1. ... . t,u iiu iiuw nuiijjienienis mat i .vw,vw iu .w.wu.iw. ji mo same article with a review of tho experience j ,,mo ll,e number qf national banks In f Oklahoma, Kansas, Nebraska and creased from 229 to 326 and their deposits Texas with tho systom. These four states rosp from $7.C00,OCO to J5.S.0O0.O00. are the only ones that have adopted it, I These comparison)-- clearly shew that . though numerous state legislatures have Independent banks without guaranty can considered the subject without nnttinr- I prosper and gain depositors In comnetl. the system Into operation. The Oklahoma exnerlence w imrnr. tunato In several respects. The law was iuiitiu in btrvt'iui resjeci. mho law was ! i i if uiu uKuuioma ntaio hastily adopted and put Into operation atBa"k,Rr board had warrants outstanding a ume wncn mere was a good deal of I ,ur 'a." tine sum is larger now;, with reckless banking In the state, and thero 'on,y ,000 In cush on hand. It had a was no adequate state supervision of I miscellaneous batch of assets of failed banks. Many banks wero permitted to i banks on hand, mostly uncollcctable. come into tho system without a thorough only One Kansas Hunk Failure. an.'Jn'Li? SCUHWhetMr, they 7rel T,le "Plence or Kansas ha- been solvent to begin with, and the organlza- mucn more tncouraglnB than tnat of tion of new banks was permitted without Oklahoma. I the three year, during duq consideration, by state authorities whlch the -yem na nVratlon wT.TnA rTc,er ' ,,,e "T Wh thero ha b" ony one bank fallurTan went Into the bu.lne,. The result was jt cost the guaranty fund about Iff.OA that the guaranty fund was drawn on' n Oklahoma all state banks are re. heuvlly before an ndoquiito accumulation ti,lrod to operate tinder the guaran . cou'd be made, and In the effort to rre- I system. In Kanim li i. ,,.i,.oi ...i.'i. vent disaster an Inexperienced banklnz board did many things which discredited , the sjstem. Twenty-seven banks with deposits asrregutlng J7,000,000 have failed in Okla- Phone Douglas 722. homa since the guaranty law was adapted. Sonic of these failures were duo to crooked acts of officials, nnmn in In. C0'Pf -cme to nam times. The re- suit has been that solvent ami imni Oklahoma bankers have been taxed 12,- I wu.ooo to pay losses caused chiefly by dls- noncst and Incompetent bankers. UUe nml Poll of Hank Deposit. The first effect of the adoption of the system In Oklahoma was to stimulate tho organization of state banks and the number Increased from 170 In February, 1KB, to 693 in January, 1911. In the same period the number of national banks do creased from 312 to 219. Deposits In state banks Increased from S18,X,000 to J35.000. C00. but despite the diminished number of national banks their total deposits in creased from J3S.2O0,0W to 117,500.000 In that period After three years of trial the burden on state banks became so great that many wero nationalized, and in the period from January, 1911, to August, 1913, tho number of state banks decreased from 003 to KW and their deposits dropped from J33.0CO.000 to J40.000.000. At the Bame tl" 'Ylth thote that have their deposits guaranteed. On .May 1, 1913, the Oklohoma State the banks. in Kancas there aro !? guaranteed banks with J7l.O00.00O In de poMta and 44 unguaranteed with 112 750 - ono in depoalls. Tho guaranty fund amounts to $111,000 l cash and JK6.000 News from the Insurance Field ACCIDENTS OF THE WEEK Btriew of Bee Accident Headlines for ait Week, showing the necessity of Accldtnt Xnsuranc. CHILDREN DIE BY SCORES IN PANIC; FALSE FIRE CRY Auto Driver Fatally Injures Girl; Sees No Reason for Stopping Boy Accidentally Shoots His Sister HEAVY CAKE OF ICE FALLS ON DRIVER JEFF BUELL FOURTEEN KILLED BY EXPLOSION OF FIREWORKS Mnn Dnnwerniialy llnrt. Thrusts Arm Through Olsss Mr.i. Floyd llanta, 1717 Ieavenworth street, Mrs. Tabs Xnjnred Mrs. Charles Fall-". ! Paxton hotel, tripped nnd fell descend- LAPSES ANDjmiR EFFECT Impaired Lives as Likely to Lapse as Sound Ones. TAKES COURAGE TO CONTINUE Health)- 3Inn Is Kncraetlc anil In Determined to Var HI I're mlnran, While Sickly Lose ConroRe, "I.lfo Insurance companies arc gradu ally coming to the conclusion that under normal conditions tlioso who lapso arc as llko to bo Impaired lives as sound ones," says N. 55. Sncll, president of the Mid west Life Insurance company. "Some think that lapses nre more likely to occur from tho former class. In fact, the ex perience of two companies which have kept a record of tho mortality among their lapsed policyholders bear out this view. The active, thrifty, energetic man Is hopeful and courageous. He Is de termined. As ho has tho will, he usually finds tho way to pny his Insurance prem iums. Such a man Is not easily discour aged and his system is in a better condi tion to ward off disease or to recover fronV it when attacked. Tho. shiftless and the .Indolent, from the. very, fact of their being so, lack the foresight, pru dence and 'get-there' qualities to always pay their premiums as they fall due. If they have tho money at the time, all right but if they do not, they let tilings drift, hoping for something to occur hy which they may easily earn enough to dlschargo tho premium. Dccauso of their lack of energy nnd fighting qualities they fall a prey much moro easily to bodily Ills. The same causes which make them succumb when the question of paying premiums Is involved mako them lose out in their fight against disease. f.ond Illskn I.apue, "While It Is true that under normal conditions there is no adverso selection against a company by reason of lapses, yet when there Is any disturbance which causes the policyholders to distrust the management, or In the case of fraternal companies when tho rates are raised, then tho rule no longer holds good; and, undoubtedly, the great majority of those who then lapse are sound lives. They can obtain Insurance elsewhere W they choose to, but those whose lives arc impaired cannot; and they are compelled to remain In the company or go unin sured. "An old line company, by reason of the in bonds. Depositors In failed banks are not paid until all obtainable cash Is se cured from the assets of the bank and from assessments on stockholders. Mr. Cooke thinks the main provisions of the Kansas law aro admirable, though he believes tho guaranty fund Is too small for safety. Sonnd Ilniiklnir In XehmnUn. in Nebraska there has- been no state bank fulluro In eight years and no na tional bank failure In fifteen years. That is r fine tribute to the character of Ne braska bankers, tho honesty of Ne braska people and to the efficiency of the Nebraska supervision of banks. TUi state adopted the guaranty system In 1909, though the first assessment was not collected until July 1, 1911. Tho guaranty fund contains t-Sll.000. Depositors In state banks numbering 710 with deposits of $94,000,000 are protected by tho system. The statistics show that tho national banks, while not growing as fast as the state banks, have suffered no drain from de positors transferring to guaranteed state banks. The Texas deposit guaranty law has been In operation since January 1, 1910, There have been six bank failures since that date, which havo cost the guaranty fund JS3.0C0. Deposits In state banks havo doubled and those In national banks have Increased 25 per cent since the sys tem was adopted. The guaranty fund now contains oyer J750.000. Depositors In fulled bunks are paid at once and tho money obtained from liquidation of as sets Is turned Into tho fund. There are more state than national banks In Texas, but deposits In state- banks (last April) were JS8,M,CO0, compared with $200,600,000 In national banks. Summarizing the results of his Inves tlgatlQ'iR, Mr, Cooke says: "It Is now evident that the cause of Oklahoma bank failuros was not deposit guaranty alone, but guaranty plus In effective examinations. Insufficient scru tiny of previous records of tmnks and unfavorable economic conditions follow ing a period of settlement and rapid rrowth. 'The guaranty system has given op portunities to ome reckless and crim inal bankers In Oklahoma, but It has not turned honest bankers Into rogues thero or In other states. Deposit guar anty Is not stockholders' insurance, Stockholders must lose their whole In RUN OYER BYTWO AUTOS Mr. mill Mn Tt fl Tji nf Nw Vnidr I Knocked Down by Limousine. TAXICAB FINISHES THE JOB Mrs, l.er Dies on OprrntliiK Table and llimlmnd In Srrlnunly llnrt Taxi Driver Arrested, Oilier Driver lcniir. Omaha Electrician is Killed in Train Wreck Three Killed When Express Hits Wagon MAN IS SUFFOCATED BY PAINT FLOWING OVER FACE 1nnkn Steamer Abandoned. SEATTLE, Wash.. Dec. 21. Tho Alaska Catches root In Elevator IT, Norrls, 1S13 Cnss street, seriously crushed his Mrs, roley Dislocates Shoulder Mrs. Folej. 3313 South Tlovcnth street, suf- basic principle governing tho accumula tion of tho reserve, can easily withstand tho shock or strain put upon It, but tho ordinary fraternal society cannot Whon their rates are raised or confidence In tho company Is Impaired, it Is largely the sound lives which drop out, leaving a grcatev per cent of Impaired ones. To meet thin Increasing death rate, the dues or assessments must bo raised and the same eliminating process of sound lives continues to go on. For this roason It Is a matter of considerable conscquenco to tho Modern Woodmen of Amorleit, for Instance, that by reason of the agitation for an Increaso In rates, tho certificates of membership In this order dropped from 1,183,733 at tho end of 1911 to W2,6 at the end of 1912, and tho aggregate amount of insuranco In forco dropped from JI.SG3, 194,000 nt tho end of 1911 to J1,C45,7K,000 at the end of 1912. How to raise tho rates and keep tho order going Is one of the problems that fow fraternal societies have been able to solve." Inniirniice Note. The Iowa supreme court has Just held that, tho Insured may change tho benefici ary named In his llfo Insuranco policy nt will and without tho consent of the com pany. Harry Tl. Kldon. superintendent of agents for the Missouri State Life Insur ance company, was In Omaha last week visiting J. E. Austin, state ngent of Uio company. Tfto Brooklyn. Rapid Transit company passed up r. home company nnd placed u total fire Insuranco policy of J22.000.000 with the Lloyds of London. The com pany claims to have saved J27.00O in premiums. Tho Michigan law Imposing a special tax on reinsurance business' has been de clared illegal by tho court at Lansing. The court holds that the tax law applies only to foreign corporations doing a direct business In the stute. FIro Insurance Dollcles on Louisiana sugar mills aro being canceled, owing to the effect of tho new tariff on tho In dustry. A number of the planters will not put out a crop or cano next year, and It Is feared that a serious moral hazard Is developing. The Hurglary Insurance Underwriters' association has revised Its residence burglary rates In the various sections of the country. Chicago rates nre left at practically tho mono basis, while rates In New York City have been mntcrinlly Increased, bringing them up to tho Chi cago imsis. a system or differential rates for various sections of tho country was enacted which will bring about a ma terial reduction In localities In which the losses havo been moderate. A reduction averaging about 20 per cent from the present schedule, effective March 1. was approved for all cities of 100.000 inhabit ants or less throughout the country; ex cept whero specially designated are to continue at tho present scale of rates. New forms of policies were approved, which aro to bo made mandatory after March 1. together with new forms of standard clauses Intended to moro clearly describe and limit the coverage. vestment before tho guaranty fund suf fers any loss. The banker may be tempted into unwise liberality, but not to a dangerous extent if we can Judge by the present experience In Kansas, Nebraska and Texas. Mr. Cooke believes that if tho guar anty of deposits Is to be a success tho fund accumulated must be greater than Is provided for now In any of tho four states that have It; that the guaranty of deposits should be optional with Uio banks; that depositors in failed banks should not be paid out of tho guaranty fund until all obtainable cash Is secured from tho liquidation of the bank's as sets. 'Whether the plan will gradually bo adopted In other states depends on the force of tho present social tendency to distribute more widely by legislation tho ""'I. eVl.' f llrc- Wo'Mnmnen'. compensation is analogous. Tho tend ency underlying this legislation and tho guaranty legislation nmu . . . . . ,u iuc wnier exceedingly strong. If this Is so, a stato W1U rrorn tme tQ t)me supplement Its service of ba.nk regula tlon and supervision by enabling, if not requiring, tho banks to effect Insurance In a state administered fund for the benefit of deposltors."-Kansas City Star. KNIGHTS OF TABOR GIVE CHILDREN XMAS PROGRAM Members of the Knights of Tabor, a colored organization, held a Christmas program for children of the members Saturday afternoon at 1513 North Twen tieth street. A large Yuletlde tree was provided and candy and toys and cloth ing distributed among forty-flve young sters. The celebration was tinder tho directions of Mrs. '. U Sellers, Mrs. Gladys Dent and E. M. Harrold. Excellent for Ktomach Trouble, "Chamberlain's Tablets are Just fine for stomach trouble," writes Mrs. a c Punn, Arno'd. Pa. "I was bothered with (this coplalnt for some time and fre quently had bilious attacks. Chamber lain's Tablets nfforded mo great relief from the first, and since tuklng one i bottle of them I feel like a different per- son." For sale by all dealers Advertise ment. Key to the Sltuatlon-Ree Advertising. BUSINESS MAN CARRIES HEAVY WESTERN INSURANCE. THOMAS KILl'ATIUCK. TWENTY BILLIONS IN FORCE This Vast Amount Being Carried in United States and Canada. 500,000,000 PAID OUT YEARLY Amerlean Life Inenrnnee Coinimnleii Pay This Amount to FamUIr of I nan red Whose Forestall! I'rovldeil Proleellon. "Twenty billion dollars is a sum not easily comprehended, ri Is twenty times a thousand million. It represents a pllo of dollars so vast In dimensions its to bo beyond tho dreams of avarice: men can not readily grasp the magnitude of such r hugo mass of money. It represents tho amount of llfo Insurance lu force in tho United States and Canada, ns shown by tho official reports." sold Ilascom H. Itob lson. president of tho Hankers Itescnvo Llfo company, Omaha. "H Is equal to tho national debts of soven of the great est nations of the world. American llfo Insurance companies pay out each year about half a billion dollars to tho families of tho Insured. This almost equals one- half of the nutlonul debt of tho United States. It Is tho measuro of the aggre gate obligation assumed by llfo Insurance companies for the protection of American homes. Vast as It Is, the sum is Increas ing every year, because popular sentiment In fnvor of life Insuranco Is growing con stantly. Among Intelligent men It is no longer necessary to arguo tho bennflccnco of llfo Insurance, for tho fact Is uni versally conceded." Bank Insures Its Employes as Gift As a Christmas gift to about forty-flvo employes tho City National bank has taken out llfo Insurance for them on tho group plan, paying tho premiums an nually. Tho officials of tho bank thought this an acceptable and substantial pres ent to make Its faithful workers, who are thus given protection for their fnmllles without tho worry about meeting tho cost. The gift seemed to plcaso the bnnk em ployes immensely. GREAT WESTERN ADDS NEW MEN TO AGENCY FORCE Ten now salesmen hnvo boon added to the agency forco of tho Great Western Accident association, nnd Manager Wil helm states that ho expects to appoint about twenty moro in tho near futuro. Mr. Wllhelm's father nnd brother hove moved here from Zanesvtlle, O., and will become members of tho Oreat Wcstron farca. Since moving Into Its new quarters lu the llalrd building, the company hus in creased tho number of employes In every department In anticipation of a big ycar'a business In 1914. i Persistent Advertising Is the Road to Hlg Returns. LOW COST OFJLIVING SHOW Retail Grocers tn Boost Member ship by Selling: Tickets. PRIZE FOR BEST DESIGN So (iroeer Who is Not a .tleniher of the Association l" to He Al lowed to Hnter Into the Competition. "America's first low cost of living show" Is to bo tho slogan on a shield that has been approved by the Ornaha Retail Grocers' association for the comlrg low cost of living show to be 'hold n the Auditorium In April. A plan for lncrcas Ing tho membership of tho Omaha Retail Grocers' association through tho low cost show has been formulated by Secretary P. H. Hansen of the association. Tho membership In tho association now com prises about C5 per cent of tho best grocers of tho city. Tho plan Is to let each member of the association take a given number of the tickets for tho low cost show and sell them. A commission would be paid to the grocer, if tho directors of tho show agree to tho plun, This would bring rev enuo to the grocer selling tho tickets nnd would also be a means of selling a lot of tho tickets which Is desirable to tho di rectors of the show. Discounts on the tickets are to bo made to housewives if they tako advantugo of the opportunity to buy their tickets in advance. No grocer who Is not n member of the Retail Grocers' association Is to be al lowed to sell these tickets on commis sion, according to Secretary Hansen's plan. By this means he hopes to en courage all to Join the association in order to be allowed to handle the tickets. A prize of $23 in gold Is to bo offered for the best sketch or design that will fittingly IllUHtrute the purpus of the low cost show. Only Nebraska and Iowa art ists may compete In this skatching Although Feveral requests have already come in for floor space for the show, tho committee will let none for a fow days until all the plane are complete Thero Is to be a regular meeting Friday night A NEW YEAR'S RESOLUTION: If your neighbor would pay you tho premium charged by tho Great Western, could you afford to glvo him tho protec tion which Its policies provide? If not, am you afford to enrry your own lnsttrnnco7 Of course not. Then this should bo your Now Year's Resolution: Kcsolvcd, That In tho futuro I will rnrry my health and accident Insurnnco with tho OH13AT WESTKIIN. ARE YOU O. Wilhelm, Manager NEW BAIRD BUILDING, 17TH and DOUGLAS STS. Phone Douglas 3316 SALESMEN WANTED 1914 Who Knows What the Xow Ycnr Will llrinR to You or Mo? Protect your family with a policy In T1IH XATIOXAIi MFK J. V. STARRETT. suto A"nt- l 403 FAXTOH BIOK. ' 1914 A New Year's Resolution, A Monthly Income Policy, For the Wifo and Kiddies. Tom S, Kelly "The M" " Accident Insurance Wheeler & Welpton Co, 1S11 DODGE STRUCT. ACCI DENT HEALTH SURETY BONDS LIABIL ITY PLATE QLASS AND Wo aro Isaulnff tho most Ubernl polt- PatroiiM and honcnt, adjustment of their NATIONAL FIDELITY AND CASUALTY COMPANY OMAHA. National Fidelity and Casualty Building Company's Property. Before deciding on your Insur ance 'phone D. 127C, and fask about tho new ni low Gobi, an l guaranteed pol I Idea, all plans. li 1 r e Liitnitea Payments, E it d o w in cuts, Joint or Part nership. Corpo ration and Monthly Income or Pen Blon Policies, The Prudential Ins. Co. of America, Inc. as a Htock Co., by New Jersey. 2C BBDOE CARFSXrrBB, Mgr. for Ncbntska and Houtli Dakota. 019-33 City Kat'l Bank Blag., Omaha V LITTLE GIRLS TAKE GIFTS Christ Child Society Gives Pleasure to Three Hundred. MEMBERS OF SEWING CLASSES Prominent Cntlinllu 'Women "Who Com pour Chnrltnhle (Iritanlsntlon AKrru to Make at I, east One Child Happy. A pandemonium of happiness reigned unrestrained for uovcrul hours yesterday afternoon In tho parlors of the church of Ht. Mary Magdalene, Nineteenth and Dodgo streets, when the Christ Child so ciety, an organization of prominent Cath olic women, gave Its annual Christmas trco celebration, with gifts of clothing, toys and candy, to over 300 little girls of foreign parentage, most of whom belong to tho society's classes. As tho largo Christmas tree was lighted and Santa Onus appeared, the eyes of thu little ones almost popped out' with surprise and Joy, which wero Increased when largo paper bags were distributed and then filled with the many gifts pre pared by tho women in charge. Warm coats and nlco new shoes, pretty blocks an', toys, and nlmost a surfeit of candy, popcorn balls nnd big. Juicy oranges wero distributed. The excitement was great and more than one stately society Matron was literally mobbed by tho kiddles, who gatlf'-d nround with outstretched hurds a', the trays of good things wero passed. (rub Unit t'lnnl Hellxa After all the gifts had been handciteout and the children had enjoyed the brilliant tree to their hearts' content, the final excitement was Introduced, In the form of an Immense grab bag. As each little miss passed out of the door to go home, laden with her bag of gifts and some times with another bundle besides, tho little grimy hands Were nlunced into the . grab bag and shrieks of astonishment and pleasure were uttered as the surprise packages were opened. Tho Christ Child society Is composed of about SS0 Catholic women, the Idea of each being to make at least one child happy at Christmas time. Throughout tho year they conduct classes In sewing at St. Phllomcna'a school, Fifteenth and Leavenworth streets, whero hundreds cf j llttlo Italian, Syrian and other girls of foreign parentage learn to become good American housewives wheu they grow up. Tho organisation is a branch of the National Christ Child society, which was founded many years ago by Miss Mary Merrick of Washington, D. C who has devoted her llfo to tho work Miss Stella ; Hamilton, who Is now In Europe, started the local society about eight years ago and Mrs Phil McShane Is Its preilden fir 3k mm INSURED? 1914 1914 PHOWB novo, 183. "State Mutual Life" OF WORCESTER, MASS. ONE OF THE 0LBE3T-63 YEARS nnd Best Companies on Karth. W. H. INDOE General Agent 053 Uco IUdK. OMAHA, XT IS ALWAYS 80. "When your neighbor dies, one of tho questions that Is sure to be asked Is "How nuich Insurance did he carry?" Tho question Is not: "Did he carry any Insurance?" It Is Assumed that every careful, prudent man lias eomo old Hnv llfo Insurance. Some day tho some question will be asked nbout you. We ask you the ques tion now. How much do you carry nt this time? not what you Intend to carry som" time. "Going to" has left many an estate In a bad plight. "Going to" In not an ussot which can be realized on by your fumlly after your death. Insure now In The Midwest Life N. Z. 8 NELL, President A NEBRASKA STOCK COMFANT SELLING NON.rARTIClPATIHC LITE INSURANCE 0NLT FIRST NATIONAL BANK BUILDING, LINCOLN. OMAHA AOBMOY orrr national bank buxz.zxo. OEORQE OROOXBB, P. A. JTINNEY. Qensral Arnt. Youir Insurance Business Can be advertised as profitably as any branch of merchandising. TRY IT on The Bee's Insurance Page Advertising is the Only Logical Way to Boost Business "It was not so many years ago thai advertising was considered unethical from u business standpoint." says L. L. King, manager of the advertising department of the doodyear Tiro and Itubber com pany, Akron, O. , "Many of the finest old lwmes held nloof, saying that they did not havo to advertise. Even today there are somo business and professional men so bound by custom and tradition that they havo not yet availed' themselves of tho advan tages of advertising. Dy so much as these customs hold out, by Just so much Is the public deprived of knowing all about these professions and businesses. "The most successful and the only hon est way to deal with the public," soya Mr. King, "Is to 'play the game out In the open.' If there are truo and Interest ing reasons why tho public should buy something from a certain manufacturer, then thin manufacturer should be glad of the chance to say so over and over again, through the medium of reliable newspapers, "Many instance's can be cited where present manufacturers gained a world wide reputation, and their product be came known throughout the entire .uni verse, simply through their aggressive ness in pushing their goods through the aid of these various hlgh-clats mediums. ' Cruel Mistake is to neglect a cold or couch. Dr lontr'n , -.c wiDi:ui;iy IUICB IIIVII! mm may i rt- I vent consumption. 00c and 1.0. For ra e by your druggist, dvert si meat. TM..A-.. ... .1 , .