Newspaper Page Text
INSUI
Published i
ARE RAIES IN SOUTH
SATISFACTORY NOW
F. H. MCMASTER, INSURANCE
COMMISSIONER DISCUS
SES QUESTION
ANNUAL REPORT
Has Been Prepared for Meeting
of State Legislature- Fig
ures Given.
"Is south content to have fire in
surance rates made as fjey have been
made in the past?" is the quesiion
asked by F. li. McMoster. Insurance
commissioner in hl3 annual report to
the legislature. '.'<"'
Ho discusses tho situation as fol
lows : ;
Is Souih Carolina content to have
fire insurance rates made as they have
been made in tho past? . .
Tho averago man on the street
i'-.inks that the Southeastern Under
writers association makes tho fire in
surance rates for the state of South
Carolina and his natural suspicion of
trusts, and his enmity towards all
forms of tyranny make Lim very bel
licose towards tho Southeastern Un-.
derwritei-8 association when he thinks
than an mr.Vjst raiie has been charged
him and ho finds inapparently impos
sible to get any other rate.
In round figures there is about
$27'7,00O,O00 fire Insurance written in
South Carolina each year. Of this
about $170,000,000 is written at tll?
rates fixed by the Southeastern Under
writers association, about $110,000,
000 of this . lng rp companies wul'h
are members of the Southeastern- Un
derwriter*, association and about $60,
000,000 going; to companies which arc
not members of the S. E. V. A., but
which write at the rates : fixed: by tho
S. E. U. A. '
Of the $107,000.000 written at oth
er mites than ii:c3e fixed: by th? S?
E. ?. A., about $50.000,000 is written
by the- Factory Insurance association,
about $20,000,000-written by the. fac
tory and other forelgn.&rutuals, about
$17,000.000 written by'/tho 'domestic
mutuals and nbout $??0,000.000 goes to
iinHr.enRF.il r?mpanlos,
AB ia eeen, $170,000.000 is written
at S. E. A. U. rates and $107,000,000
at other and generally speaking very
much less than S.-E.; A. U. rates.
Of the 143 fire insurance companies
of all classes licensed, 6^ are members
of tho S. E.;JU. A." add^i aro not; ,
This statement ; woiil 1 indicate that
the 8. E. U.'?. is^not in ?ont rot pt
tie. situation hy any means and, thia
is true. But it IS also true that tho
average.man on tho stree; must take
the rate fixed by tho S. E A. U? or
do without .insurance, as a general
rule.
An analysis ot the insurance placed
at ratos other thah those flxed:- by.
the S. E. U. A. will show this.
TT.'.-o $30.000.000 insurance- placed In
the -Factory Insuraneo association lo
at much 'ICES' rates than those fixed
by tho 3. E. U . A. On two risks in
Columbia,- ldcntiil&d >in character, hut
tho -exposures making' number eight
trefe rabio. to>!?jn3ber 1, tho Factory
Insurance association gave ft rate of
.10 cents on numbej- 1, and the S. 13.'
U. A.. gave p rate ot 20.cents, sub
sequently reduced after much agita
tion to 15; cents on Number 2. The
Factory I?Ewran?e association would
not give a rate oh Numbpr 2,' thvMgi'i
the F. -1. * A. is composed of SI* OotSr^
paaleS, 30-of which" are members of.
. the S. E.'.U. A."
One may say that it I? ? wheel
within, a wheel. Aa a matter of fact
the F. I. A. is an association of stock
. companies formed to compete, witk. the
factory mutual Insurance companies
and of nec?sslC "it must take its rates
approximately as low os the mutuals
or.ft will not get Cae business. There
fore rt - ..fixes, its expense of opera
?t'on to'ineet tho low cost of the mu
tuals. The FJ I. A." pays 10 per
cent commission to agents. The S;
E. U. A. fakes all classes. In the
cases under consideration two cotton,
warehouses, one ?belongs to a company
owning a largo, number and being In
position to placoVtho.entire line elso
.whero. . The. other ''warehouses le. the
only-ono of its owners. The F. I. A.
- would-not rato it -and trie S. E. U.
A. would not give a less rote. than
one-half moro'than -tho rato made, by
the F.-1;--'A.' on the1 other warebpuses;
though praoticalv all ot the members
. ot ih6'-tP^,*:-T.l"'A?';',w?*Wi mom bera "of-- the
E. E. tr, A.
So. thte individual - citizen ot small
ij- pperty finds no relief in the pres
. ~~~\aco Ot the F. I. A.
indeed, In thorn risks rated, by . the
S. E. U. A. itself in competition with
the factory 'mutuals no relief 'comes
to the.^rlvat??^
- vtne s.' El JJ.- A. iglres a tate ot ,-.40]
; ' cents for ono yekr, tl. 20 for five yeats.]
on the tenant houses of the Richland
Cotton rirlll,and oh~ dwellings in theJ
city of Columbia' on payed.streets witJh j
full fire protection it' git^s rawe^TO
05 cents for one year and $S.fi0 for
...ftve.yea?ra.;. - . .
So from -the/*i(60?0C0.-or -mor?
wrktott in tho F. I. A. ?na 1110 faetovy
? mud?is the private cJtiaen gets, no'
relief; from whateverrate; u? <%&-rg?i?|;j
by tli? S. E. U, A. ' , ; ;
Thero ar? a' few mutuals for drug
gists;: . hardware dealers, . f urm^tfre
?very Wednesday
dealers aod laundries, but these all
carry limited lines and whilo they
cause savings to their patrons, tiley
are in no sense competitors with tho
S. E. U. A.
.The soir o is itrue of tho $17,000,000
carried tu domestic mutuals, which
?operate in about twelve counties of tho
state. They work great savings to
their mc-mbeni and in thousands of
instances gi\'? the only insurance car
ried, but they do not effect tie rates
mado by the S. E. U. A.
Tile insurance placed in unlicensed
compunies ls that of citizens who con
trol large linus, and while they ?eoure
great rdractlo?s in rates, sn far ?B the
? general public is concerned this pro
cess provides no relief from the
trates made and provided by the S. E.
U.A.
i Illustrations have been given of the
difference:* in rates made by tue S. E.
[U. A. itsolf wiiere lt comes In com
petition with tile factory mutuals, and
[between tho 3. E.. U. A. and the P.
I. A., tho latter association being
composed of a number of the "tone
companirj composing thc S. E. U.
A.
Just as marked differences/aro to
be seen in the S. E. U. A. rates and
those given by unlicensed companies.
A few of th^se that have come under
tilia notice c.the department are:
S. E. Uv A. for 3. years, $1.50
unlicensed companies 90 cents.
S. E. U. A. rate, $2.75; unlicensed
companies $1.50.
S. E. U. A. rate for 3 years; un
licensed companies $3.00.
S. E. U. rate for 3 years $4.63;
unlicensed companies $3.00.
S. E. U. A. rate $1.10; unlicensed
companies 60 cents.
S, E. U..?. rate $.60; unlicensed
companies 30 cents.
The instances might be multiplied.
Tho variions are too great to be
fciunded on good reason. There is
something- radically wrong in rates
or classifications or practices or meth
ods, and as tue laws now stand the
rates, the classifications the practices
and the methods are entirely in the
keeping of lC.e companies.
It Is all beside the mark' to say that
reduction in flro losses will sOlvo.the
mattor. ' That has nothing Co do with
the case. : Fire losses felton the F?
I.A. the Factory Mutuals, the domes
tic mutuals the unlicensed companies
as well as tho S. E. U. A?
H is is tho case the department
makes up.
There aro several me-theds of solu
tion . Ono is an enlargement of the
sphere of the mutuals and thereby the
bringing about, forcing of rates by
classes to natural co3ts with low ac
quisition and (management costs.
. Another frequently tried by with
doubtful success ls the forbidding ot
all combination;; of. companies and
agreements as to rates.
A third in absolute domination of
rAt?"^maiingVpnwer'Tof tho state.
Tc1?" department believes in careful
supervision of the mutuals but such
treatment as will permit their growth
in safety arid in a modified control
over tho rate making agencies of the
companies as will prevent discrimi
nation and thc imposition of unmis
takably unreasonable rates.
I PI/AN TO PAY THK ritfeMIUM
Hero Is a Pinn ;Thut Shows Kow . n
3Inn <"*an Buy n 91,Cfl0 *ll! :M-rp"
lor a singlo payment of #3,7.?
' . and (he Scrape from tho
v^Ablc.
; The average premium would ba $30
per thousand rief roas.. This ??surea
for one .thousand. Toko 365 days. In
the year arid average coat or . abatit
8 i-2 cents per-diem. ; The cheapest
man on ?arb? can afford to nay that.
A man can buy. six hens -and a
rooster >and .keep' up a thousand dot
ierte worth of Insurance from the salo
of tlie eggs yearly. Every man has
space enough loralee six bens and a
rooster: The-average hou lays every
other day. With 365 days In tho year,
tills ?would bo. 182 eggs ri year to the
ben or 1,002 eggs per year or 91 dozen
eggs. ;
The average price per dozen is 35
cents. Ninety-one dozen would bring
831.85 thereby paying to a cheap-skate
$1.85. more than his insurance would
cost. The average-hen is worth 50
cents, then aljt hons at 50 cents each
amount to $3;00; tho rooster 75 cents,
Is making Ow insurance really cost
the manV$3.IiV per thousand for.-life
insurance.
The man who says ho cannot do
?his Is either the biggest liar in th?
world or tho ' stingiest husband end
th? meanest father ti":at ever bad ?
wifo and children,to bless his home,
and in my opinion'the man wh? would
refuse to buy an additional thousand
dellars'' w?rtb nf insurance ?when he
is only carrying a small amount, just
simply does not care anything for
his family. .
. ..Tnero is no trouble, Abe, to soil in
surance.:-From a lefter to one'-of his
solicitors, by H. ; Ff : . .Vnndiver-ln
.'Easterni Uhdervrrltor.''
i ---. .. - -~-?
Jiow York Ifcthod o? Bl s infecting-.
It td Btill a general belief that fumi
gation is the most effective agency in
.destroying germs au? preventing tho
Eprend Of infectious',diseases, but ri?"
cent investigations byNew York hfialth
authorities reveal .a, better way.
Hereafter residences which fc?ve
hou?ed;- ixitients afflicted ,^wltb^-In'fec?:
tiona diseases, will "bo taken in charge
hy the aratborlties arid .placed ?'ndef
dlrectlon of - nurseH and others of
special training. The- premises will
ba thor?ugbJy. cleans^:and disinfect
ed; the :icons'Ipapereu and painted;
every, door- and window opened in or
der thai:* io sun may assist lb the dia
infocti?n.-'?ayton-'(0) Herald""' in
"The ?dltor?s?!. " / ?
in the Interest of ?
BEFORE THE PUBLIC
i-;
THEY NEED TO BE TOLD
ABOUT IT IN UNDER- ?
STANDABLE WAY i
WHAT IT MEANS!
It is Men Pins Organized Savings]
. and Mathematics of Exper
ience Translated.
Lie insurance has never been pro
perly put before the public in a plain,
understandable way. either through its
representatives or by advertising.
The public knows little about life
insurance; and insurance salesmen
know too muei about rat'.-a, features,
policies, laws, regulations and policy
I difference,**, from the'insurance stand
point.
Life insurance is men, plus organiz
ed savings and mut'.iematlcs of ex
perience translated Into human life]
values.
Hero's a thought that comes to my '
mind. If 100 average mon 30 years of
age, with families, were locked In a
room and were going to draw lots for
one man to be killed before thc end
of tho year, and if they had an oppor
tunity of taking out insurance policies
before that drawing, would they do it
or would lucy say: "Let my wife and
children take the chance?"
The man who is making $10,000 a
year has tho same interest earning
capacity as $200,000 at 5 per cent and
yet ho probably - Values his interest
earning capacity sufficiently to carry
only $10,000 insurance.
Actuaries figure out how long a man
should live. That is Insurance, but j
we know men do not oct on actuarial j
table?-they only u' hy them.
Put t?i3 where yea won't forget lt j
-every man kuows that ho wants life1
insurance..
* * * *******************
* *
* WHAT OTU lilts SAY *
* + * *^,A&^*v******^***
A dead man works a long time after
death, if he was insured. For tills j
his family receives the wages he did j
not livo to earn.r-James T. Phelps.
Life insurance, tho conservation ot
human life, the offset to man's earn
ing power, tue protector of widows and
I orphans, the equalizer ot business con
ditions, tko , preventer of pauperism
and dependency/; thoT gre-Ttes^, In^tltujj,
tlon for systematic thrift'and,,"""TSq,
Greatest Thing in the -World,'-' ia. yet!
to bo ppt in the public ipind where lt
belongs Uv its true place-in the world's^
work.-Warrea M. Horner.
-
To no otiier class of men more than ;
to the life insurance salesman falls;
tho duty of replacing ignorance with
I enlightenment, selfishness with bene vu-1
lenes," indifference with love, negli
gence with provldenuo. He is a con
server of the-hobie/he alleviates mic
Cry and dispenses comfort. He . re
quives the sturdy motive temperament j
I of the reformer witt :i an unennnuer
I nhin purpose; conscious tihat his esure i
Is just and noble; and In handllcgr
people. and overcoming prejudice and j
ignorance.ho is a psychologist, a true !
I disciple of the most beneficent institu
tion of modern times, u. high priest of i
the temple.of progress.-The".Star/
Rockford, ill.-.,,
Though storms go rushing up the ?
sky they shall go tushing down again,
and not a whit for .thbm care I... . My j
little pig within its, pert, pay pink arid'
dimpled little shoat, may .all secure
and dreamless.sleep; no Storni shall j
get his nanny'goat, or .'make his ten? j
|derlolna to. creepy Or if it does I cU?ll !
bo paid;, i je.-.is Insured against ali
storm,." So sleep, dear piglet,' un-j
afraid,'all comfy, all content and
wara.V'Tte wind which gives your
.pen a. knock, and, . drops a ' beam your
spin? to' crack," will make you high- i
priced, blooded stock, whose parents
wero razor-back. ?My chickens!need
i not weep and wall, roy horses need not j
snort '.and '?] neigh j they aro insured
against .'.a gale, e'en though lt' blow
; their ?lyes away, I fcave insured my
?little siiack, tay furniture 'from back I
to: front/ I. have tip fear 'twill'Tend
and crack-indeed,: my fear ls th?t
it. won't.r-Judd Lewis,. in Houston
Post. / . jj"; '
Too Yigorbas Exercise Condemned.
Doctors and surgeons.who have giv
en special; fi tildy at, athletics, conclude
that the .average man can play'base
ball, tenais and. basketball. w,lth safe
ty until he is forty. After that ago
these games become a,little dangerous;
even to the man in good physical' con
dition. At f?rty-flva, golf,, croqu?t,
IAna^ll;";..y?l?6y-.:'.'^U:\'?nd'.-/i^dloIn?'
ball are safer pastimes. .?' The United
States public health service discoun
tenances : 'some ' of the, moro violent
forms of sport oven for' young men.
lt: declares . that "champion athletic
j die young. >^"EO?ton Herald" In
['"Rough t?otcs." . ;...::';
Tho Ms?r?poiltit?n, Lifo ic aendKg'
out pamphlets for it^V?bUcyholders
j on: "Hookworm Disease and How to
lti*) "Malaria; Its. Cause': and
I How to Prevent H*t. end "Standards in
1 Visiting Nurse Work, 'reinsurance
Preas."
ie Insurance Men c
INSURANCE IS A
GOOD COLLATERAL
During the financial stringency be
ginning in October, l?)07. business men
were solely tried. Ono finn of manu
facturers in Philadelphia faced insol
vency, for lt wns Impossible ;o borrow
Ripon the best collaterals. and oven
government bon'dat were refused. Af\er
many weary days and sleepless nights,
ono of the firm, in handling some
j payers In his safe ha?rltt sight of ula
I life-insurance policly, upon which ho
I had pnid premiums for years,, but
whose existence had almost been for
gotten. Opening it mechanically, ho
'was astonished to find t'.iat Me loan
values Stipulated therein were u very
substantial part of the tctal premiums
ho had paid to the company. Calila:;
his associates, they examine:! thc po??
ciC3 carried by the various member.*
of thc firm, and were gratified to lind
that toe., could command from tho in
surance companies a - sum of ready
cash quito equal to their present ur
gent requirements. Partnership pol
icies are often used Us collateral for
amounts much larger than the im
mediate casli values offered hy the in
surance companies that Issued them.
Let it bo recorded herc as a matter
of history, tnat during, the recent fi
nancial stringency,-,beginning lu 1907,
when it was aimoat^ Impossible to bor
row from ,bank8 upon any collaterals,
no matter how good in ordinary time:?,
the life insurance companies opened
their treasuries and loaned to policy
holders many millions upon no other
security than their.policies.
BRADSTREET'S
ESTIMATE
A firm of lumber dealers had not
been trading long enough to fully es
tablish their reputation and credit.
T.ie insurance solicitor* suggested to
them that a policy of business insur
ance, covering all tho members- of
liio firm, and payable upon tho death
of any ono, would enhance tho firm's
commercial rating. Without sugges
tion from-the. agent, the senion mem
ber of the firm opened his telephone
and called -Bradstreet's manager, and
told him that they were considering
a proposition of insurance for thc
safeguarding of . their business, and
thal one argument of- the lnsuranoe
agent was an... enhancement ri of the
firm's commercial rating. The man
ager replied : . ''Bradstreet's considers
business insurance in Its estlmato of
credits, and the possession of sue. in
surance always improve our ratings."
He then inquired "By ithe way, what
amount are you contemplating?" Whon
inrormed that 550,000i<was the limit,
the manager's reply .was, "That Is not
enoug)v tor your flem.. You should
.baye-pt least 5100,000."
?Tho dealer" closedxfi# telephone, and
turning to thc? agent said, "We Will
make the amount $100.000 inkead of
?60.O00. We 'regard' the cxporlonce
and eWimato of'Bradstreet's too valu
able tct*to ignored." "
Bra'" ?>reside$t has s?id (in
refere' coi carrying -partnership; and
corpoi ..?lon insurance)' "It ls ^practi
cally beyond dcabt "that ; such action
strengthens the credit? qf firths adopt
ing it. Tlie increased confidence, which
lt establishes Is recognized In the mer
cantile community,' and thus reflected
through our reports." :
A KEW LOCALS
What Local Insurance Atronf* Hsre
Been Doing During Week,
Mr. R. H. Ferguson,; ?>;at? agent fer
tho Prudential Life . Insurance com
pany, was a ^business visitor in the
city on Thursday and Friday of last
week. He stated that, he had. nover
ocen business better. ;
Mr. W. A. H aa take, state manager
0 fthe Metropolitan war ofDco in
Columbia,.spent(a few days in Ander
son last -week: He also stated that
business over entire state, was good.
Mr.. W. ,M. Addison, local agent for
tho .Metropolitan, is j in "Columbia on
business.,
Mr. J. Walter Dixon, local agent
tho Pacific Mutual, spent last week in
Gaffney^ , Bpartan?ntng,' ? York and
Greenville on business..
Deaths From Dnst. .
Factories that . produce articles by
processes;,cauBlng dust ravage the
health.; bf VO.rkers. T?irty-oight per
cent of button makers that die at
their tvfiuo succumb to tubercuiosio;
tobacco, worker's, 38rper cent; candy
makers, 22 per cont;'tanners, 18 PDT
ce?t; ' harueaa makers, .17 per cent;
glove makers, 18 per. /Cent; shoemak
ers, 18 per.cent; miller; ;ir? per cent;.
hakeT?,.-?^ P0? coat; grain handlers,
28 p?r(;-csiit,.-^''insurance Press. "
' -.-- if Vi -- ?'
Set.? vice Versus Pr leo.
'"Yeo/" said tho specialist,. "I can
euro you."
''What will lt;cost?? asked the ?lok
roan faintly. V-'
: ;?*#iae^r$w"4oH?^ .
f "You'll iwivo tb shade yotir price a.
little,'!, ?tllj moro faintly, "T have
got-? ?better bid than that, from. tho
undertaker.''-^l?CIory*e ^Wireless.
? ? Wis? HuBband.
. Mrs; Jackson-"YO* losy nigger J
S'posb I waa took sick ?od couldn't do
washings, how would you live?'1
?Mr. Jackson-"Ah" -never tf?ought
ob dat, honey. Anil hustle 'round to
morrow sind git some health insurance
on you. "--Fedora 1 L???.
f Company
INSURANCE COMPANY
WILL MOVE OFFICES
MUTUAL LIFE WILL GO INT?;
SECTION OF BROWN
BUILDING
D A M f TV"! /^U A KT/"1 *?
New Quarters Just Across Hall
Are About Comp!eted--Will
Be Handsome Quarters.
Tho Dime Savings bank will within
a few days move into its ne w quarters
just across* the hall from its present
location in the Brown building on
Xorth Main street and as soon as this
chango is made, work of remodeling ?
their old stand will begin. When
finished this side will he occupied by
the Mutual Life Insurance company's
od?eos w'iich aro at the urc3cnt locat
ed in tho Bleckley building. . y
Tile Dhno Savings Bank's . now
quarters ore going io ho as neat and
uptodate as that of any bank in the
city, and their fixtures are to be very
modern. Thc contractors aro now
busy finishing tho partitions, pulling
in the wicket inclosures, etc. There
will be plenty of room at the front
at tho "teller's window, and t.-.ere will
also be one or two moro little- wicket
windows farther down the hall. Bight
in tho rear ci this eide will be locat- ?
ed tho bank's private ornees. In ad-1
ditton to their new vault, the bank j
has a large new nafo which will be
located near tfio window.
Tho other side of the hall, or whens
tho 'bank ls now located, wil^be re
modeled so that it will be so'mewhat
Uko tho left hand side, and will be
oquipped with several offices, a store
room, etc. At tho front, will be tho
agents' o'llces, next regular business
office and in tfao rear Mr. Mattison's
priv?tq offlce.
Work on this section will begin
within a few days. Casey and Fant
of this city are the architects.
MR. HA lt ii IS LEADS
Highly Complimentary Letter Is Re
ceived Pr?m Manager.
Columbia. S. C.. Dec. 3. 1915.
Mr. Calhoun Harris,
Ander-son, S. C.
Dear Harris:
? wish to express by appreciation
of the fino volume of paid-tor busi
ness whit! J yea furnished., for' this
agency during November. * The final
ropor" for th? month' shows ' that ydu
led all other agents In amount of paid
for bufrhiesj and this is a , splendid
record for you tc make.
I am sending you today a complete
statement of hurJncEs produced in
Morornn Mantb i?y ?J1 agencies and' I
feel sure same will bo of interest.
Thanking you and with kind person
'al regards, I am,
,., Your? very truly,
j'(Signed) F. H.v Hyatt,
Manager.
The fire boll rang, lt was .his
neighbor's house. "Mary," he said,
/'I'm glad our house Is insured."
The door bell rang. It was tho
family doctor. "Mary," he said," "I
wish my life was insured."-Cleve
land Life Co-Worker."
Upon which side of
These cases are facts, not
fiction.
Leesville, S. C., Jun
..Atlantic Life Insurance Co.,
Richmon
"Gentlemen:
"Please accept my gratitt
felt thanks for your check of
tlement for insurance on my 1
Yarbrough, whose death recei
"He had only been insurei
before he was taken sick, so-H
been providential.
"Being left with small ch,
surancc will be a great ?.help ;
our time of need. I shall
; highly of the Atlantic Life li
paiiy. 1 greatly appreciate
Bess .and .shall always hold v
Agents, etc., in tti? highest es
"Very truly-y
"MRS ROSA L. YAR
FRANK J. BURR?SS, DESL R
Bleckley Building,
Have a Care for the
Future!
? Striking Endorsement of I ife Insurance Aa
A Safe, Practical Way to Store
Up for the Future.
fl tit)... ' ":. ' i ,.. '?" : V
Dy U. S. Senator Oscar W. Underwood
T has been said that the wise man does not live in the past,
for the past cannot bc mended; that he does not live in the
future because the future is unchartered land, but that he lives
in the present and makes the most of the day and the hour he
has with him. _ \
This is probably thc best way for men to get the best results *
from each day ihey live, both so far as theil .productive ca
pacity and their happiness is concerned, but we cannot for
get the future entirely. Every day we march on to old age
and incapacity. Every day we face the dangers and accidents
of life. Every day we approach nearer the hour when our
mentality will lose the keenness of its edge and our physical
forces will begin to fail. The wise man, therefore, who lives
in the hour that is with him will have some thought for the fu- ?
ture and store up a surplus for the days to come.
Tb ?re are'm'?'fi'y'ways in which a man can conserve his sur
plus energies for future use. The product of his toil may be
buried in the ground by the miser, invested in land by the far
mer, of in stocks and bonds by the business man, but to make
a good investment requires accurate information and good
business judgment. These qualities are not possessed by all.
For the average man, who is not fortunate -h?; having a thor
ough knowledge of business affairs, a life insurance policy in
*> good company is a safe, practical way to store up his surplus
energies for thc protection of his old age and the benefit of his
family after he is gone.
Write for our leaflet, "A Serene and Care-Free Old Age."
The Mutual Benefit Life Insurance Co.
' IA. M. MATT1SON, GENERAL AGENT
G W. Webb, District Agent
J. J. Trowbridge, , ? '>
C. E. Tribble,
W. R. Osborne,
Special Agents,
Bleckley Building. v Anderson, S. C*
If Insurance Taxes Were Direct.
Income taxes are direct in their
effect upon the payer, and thlB prob
ably account!; for the strong^ opposi
tion ? dlBblayedlj-by those^-wbo are: nf;
fected hy''tho 'federal law', "if lho3o
who are pow paying the. Insurance
tax indirectly were brought face to ^
face with l?e tents by a chango to
direct taxation tho demand for re
peal or reduction would be almost
universal.-r-'llnsuTonce Korald-Ar- '
gus" (-Nov: 4:33.J ' 1:
"CABBAGE PLANTS"
We. have'now ton million cabbage plants on hand ready for shipment,
[Our, plants are grown CIOHA to thc Sea Coast, in the Open.air, add our/'
?seed are grown by tho very best seedsman on-Long Island, N.' Y.
Wo bavo the following varieties: "T?IB EARLY JERSEY WAKE
FIELD," "THE CHARLESTON WAKEFIELD," "THE : SUCCESSION"
l and "FLAT DUTCH." ?
Our prices are: In lots from 1 to 5 thousand $1.00 per thousand, ii
[thousand and over 75cts. per thousand F. O.'B. here-cash with order. ' Wo J
[will make you a special price on larger orders.
Ci i vd us your order, and wo will Bhip you plants that will g ive: you tho
[very beet results. Yours very truly,** , ,
THE ONLY PLANT CO., Meggctte, S. C.
the Parallel will the Memory of You Reft?
This history is repeated
: every day.
Act now-r-don't stop lo.
think it over. ' * >
e 22, 1915.
d', Va.
ide and heart
?2,ooo in set
lusband, W. P.
?itly occurred.
la few weeks
seems to have
ildfcn, this in
ind oimfort in
always speak
isur?nce Com
your prompt
eur Managers,
teem. ,
ours,
BROUGH.''
"Red Oak, Va., July 10, 1915.
"Mr. Fisher:
"Just a few lines to let you hear from nie.
I do hope this may find you well. 1 am liv
ing and that is all I can say. J do suffer
awful, and sometimes I think ! will be glad
when the Lord calls me horrie, but, Mr.
Fisher, 1 have one request to. make of you,
who have been so kind to me, if you do not
think it too much for me to as<.
"? feel iike my time is short on this earth.
I have not ? penny to help pay my burial:ex
penses and I do worry so much to think that
my poor wife and children could not raise it
to save their lives. My mini would rest
easy if I but knew that my funeral expenses
could be paid. I haye had a great deal of
sickness in my family this winter and spring,
and Thy finances are ?n a bad fix for me, to
die and leave my wife and children behind.
But you know best what to do for me.
"With best love; If we do not meet again
on this earth, I hope we meet in heaven.
Good-bye,
"Your true friend,
"GEORGE McKiNNEYi'?
F. W. FELKEL, General Agent
J. U. OWEN, Special Agent
' Anderson, S. C. ;=?:
