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THE BEE: OMAHA, MONDAY, NOVEMBER 4, 1912.
THE FBUDEttTIAI. ixtjubahcb co. or AMXBXCA neorporated as a stocn com- puny by the State of New Jersey. Homo Office Newark, N. J. M. Bruv .trpcattT, Uiunr for Bebraska and South Dakota, i i I tr -i tor Infomwtlon ibout or - iuI All OaartntrM lv-w TUt rolleltt, Orrr Te nnien Dotlirt Inturtnct In foret fkml t" Ion ciwti for m-rrMIc rrpfnUtlT. 819-82 City rTaUonal Bank Bldff Omaha, Web. Tel. 1S7S. ABSOLUTE SECURITY he rqullaMe elves absolute security to Ita policy-holders arid beneficiaries. Its Five Hundred Millions of Aaaeta guarantee the fulfillment of every ' lis.it. on promptly and In full. The removal of all uncertainty la para cunt to wvery other conalderatlon In a life Insurance transaction, -which may rr.ver a period of half a century or more. I KQI ITAItr.E LIFE ASSURANCE SOCIETY of the UNITED BTATBS . I). NKKLY & CO., Manager, 104 Ncrchnnts Nat'l Bank Bldjf. r. 3. NEEIiY. SOS xxBrtr. X. X. riOKABB. MANY MEN are In hot water nbout their Insurance because they chose now or untrlej concerns. A policy In the New England Mutual will give you Increased satisfaction. G. W. NOBLE, Cteaeral Aran. CKAXZ.ES X.. XOFFES, Special Agsnt. 3. 0. XXTCXBtAB, Spsoial Agsnt. orncxsi 96-643 Brandtls B14r, Omaha. Blnos I860. "OOKX GERMANIA With AHDEBEOW Policies Issued by the Qermanla Life Insurance Company of New York are standard at the lowest cost. They are satisfaction to the owner and the agent. (30 Dee Building. "STATE MUTUAL" OF WORCESTER, MASS. IKE IF THE OUEST-fil YEARS and Best Companies on Earth. W. H. INDOE General Agent 660 Boo Building, OMAHA BEFORE BUYING SEE METROPOLITAN LIFE INSURANCE CO. Lew Pramlum CcntrMta W. L. KILLY, Supt. 337 Omaha Natl Bit BMf. Provident Life & Trust Company 5831 Bee Building low rrer&luais. tax BivlatRde. Slowest Ket Cott of rroteeiioft. . Write Va tot Our Xodtra giasaard Uf. A. O. KOXXMAW, RpeeUl Agent. O. A. BTKS, SeeUl Area. XX your risk Is VxarBXJiXD yon eaa hay S7.SOO ... $18,000 In THE PREFERRED ol IM. V. for the same premium that you now pay for a 90,000 1006 la other companies. LYNNG D. UPKAM, Manager and Adjuster 1317-18 City BaUoaal sank BaU&iaff. boost rox OXAKA Th Columbia Fir Underwriters or OMASA Xome Offices Bntlre Third rioor Merchants STatloaal Bank B sliding. Shone Sonirlaa 431, O. O. Talmage, Uanag-er. X. B. lease, Assists Manager. Advertise Your Insurance Busi ness in The Bee wiWiasiai.aa s m aaa yVr(f(fJ1AfLn The insurance page which is being published in The Bee each week is attracting the attention both of the gen eral public and the insurance fraternity. No better place to ad vertise your insurance pol icies than here. THIS IPAOX TOJVI S. GENERAL AGENT Northwestern Mutual Ufa Insurance Company OF MILWAUKEE MANN & JUNOD General A Rents 53B-544 Brnniltl Building, OMAHA THK Union Central Life Ins, Co. or CINCINNATI, OHIO HARRY O. STEEL general Agsnt. 311-313 Xanur BMjr. Than aiM Oar 90 rajTBUat X4fe Age 3S tint Tear Second Tear MM Ho Other CornPaay Caa Xaten These Sate. TO TXD Assets a!jooo. 1848. m " J oxaAimxs ms. The Mutual Benefit Lid Insurance Company of 1 nwAxx, rxw jxbsxv A GEO. T. BLANDFORD, Oe&ersl Agsnt. A 41B-18 City Vattoaal Bank Bide. I Omaha, Sabraska, 9 RXSXRVID YO KELLY TRAVELERS INS. 00. Notes from the Insurance Field NEBRASKA LIFE MEN MEET First Sinner of the Association for Fall Season. BANKERS GET SOME NOTICE T. W. Ulankbnrn Arouaea Ritttiuln!ii Warn He Telia What the Banker OtiRht to U for Inaarance, Thirty members of the 1-lfe tnder-lblll writers' Association of Nebraska sat ; down to a banquet at the l'axton hotel Saturday evening-, the feast marking the first regular fall meeting ot the associa tion. C. Z. Ootild presided over the regular order of business after which several In- i terestlng speeches were made. C. N. Anderson, secretary of the association, rend an acoount of the national life con vention, held at Memphis In October, ho being the only Nebraska member. The principal speaker ot tho evening was Thomas W. Blackburn, secretary of the American Life convention, an or ganisation composed of clghty-slx younger life Insurance companies of the country. Illnekburn on tho Hankers. Mr. 11 lack bum said that the American Life convention haa a total volume of business of over $1,000 OOT.frXi that It i tan da ready to co-operate with all other life insurance organizations for beneficial legislation. He aroused the enthusiasm of all present by a plea for greater con sideration of the Insurance) men by the tanker. On this point Mr. Blackburn aid: Vou mhtlamen ousht to walk Into the banks with your noses In the air Instead of crawling up to the discount window with humility, begging the banker to dis count notes for first premiums. Every time you write a policy you are pro viding Indemnity against loss to the iker. You are enriching the community In which tho banker resides and you are helping every business man In that com munity to pay safe, not only against the emergency of death, but against the pos sibility of Danlo and business depression. The banks of America In 1907 would have suffered a losa of millions had not the reserves of life insurance companies bal lasted tha ship through that sudden squall, Tha business men of America would have been In despair during that bankers' spasm had not loan values and surrenders backed them against their own bankers and protected them from disas ters at a time when the banker -was paralysed with fear and refused to per form his contract with his own deposit ors. Ought to He Welcome. If I were a banker, the most welcome visitor to my town and my bank would be the life Insurance solicitor. I should help him with every prospect possible would cheerfully gtvo him all tho In formation In my possession, which could help him in writing life Insurance among my customers. I wonld do It for selfish reasons and would be ashamed to ask him to dtvlds commissions or aooept an extortionate discount on his paper. Thn banksr who doss not realise the Im portance to Ma customers of life In surance needs either a tutor or a spank Ing. for no other business man In any community, realises so much from the successful activity of the solicitor, or the development ana growth of the local com winy, Bankers weary me when they manifest S",.'n ZXrJZl, L".Z desk of every bank ought to contain these words, irWe love our regular cue-1 tomors, nut oh you urn insurance men." V. VT. Heron spoke briefly on tho sub. flt of "Needed Legislation." He dwelt on the necessity of an Insurance code In Nebraska, claiming" this to be the first t)tceshW,tyi'3he .matter ot legislation. Fear 'nrw member were unanimously accepted Into the association. C. E. Vesy of the Travelers' Insurance company; A. c. Mohrman, special agent. Provident Life and Trust company, J. A. aieoson, general agent, Equitable Life Insurance company of Iowa, and William Wilson, state manager of the Travelers', were the members voted in. Insurance Personals 11 H. Lulkart haa been appointed gen eral agent for Nebraska for the South western Surety Insurance company of Denlson, Tex., for that company's cas ualty lines. Joseph Barker returned from New York City last Thursday, Charles W. Martin of the Martin Bros.' company was In Denver last week. John Steel, with the Union Central Lire Insurance company, who has been In the Insurance business for thirty-five years. has just returned to Omaha after two months' absence In Idaho, where he has been harvesting the largest fruit crop that any one Individual has ever raised In Idaho. Fred L. Q ray. general manager of the London Ouarantee and Accident com pany, was In the city Thursday con ferring with his agents on matters per taining to tha proposed workmen's com pensation bill which Is being prepared for the next legislature. Mr. Onvy talked on this subject at a meeting or the Omaha Manufacturers' association held at the Commercial club, and together with Quy H. Cramer of Omaha answered many questions propounded by members present. A. J. Love, member of the Love-Haskell Insurance firm, was In Chicago last week. J. C. Hltchman, who haa bn managing a large sugar plantation In Mexico, has returned to Omaha to live and haa be come Identified with O, W. Noble In the agency of the New Engtand Mutual Lite Insurance company. . J, W, Copeland ot Dayton, O.. pur. .rhased a bottle ot Chamberlain's Cough liemedy for hi boy, who had a cold, and before the bottle was all used the boy's cold waa gone. Is that not better than to pay a five-dollar doctor's bill? For sale by all dealers. Advertisement. The Persistent and Judicious Use of Newspaper Advertising Is tho Road to Business Success, A. J. X.OTX, rrealdsat. rBAWX J. XABXSXX Seexetary. Love-Haskell Company 314-324 Omaha National Bank Bldg. EVERY KNOWN KIND OF INSURANCE PATRONIZE HO vlE INSTITUTIONS The State Insurance Company of Nebraska . . Capital, 8200,000 A. J. ITB rreeldeat. WaC SC. AXBLUTIOB, S Mrs Vary Xiie German Fire Insurance Co. of Nebrask; A. J, ZiGVB, CUneral Vaaager. Workmen's Compensation The commission which has been work Ins on a workmen's compensation 1ft" for Nebraska, to be considered at the next session of the legislature. Is about ready to submit Its report to Governor Aldrlch. Copies have been submitted to Inspection for suggestions for modlfl cation. In the main, the draft of Nebraska's as prepared to date, follows pretty closely the compensation act of tho state of Wlrconsln, which went Into effect a little over a year ago. In Wisconsin, the law Is "elective," meaning that em ployers may elect its to whether or not they will be governed by the compensa- tton taw, which requires them to pay benefits far all Industrial accidents re sulting In disability or death, regardless of tha cause of the accident. Should employers not "elect" to come under th provisions of the compensation act, they aro denied tha right to set forth "as sumption of risk" or the negligence ot a fellow servant as a defense. The proposed Nebraska law, as dVattod, Is "compulsory" In form, applying to employers ot every description. Includ ing farming operations and employers ot domestic servants. Assumption ot risk and the fellow servant doctrlno are also abolished as a defense In Nebraska, If the proposed law becomes effective. Out of the fifteen states which have already adopted workmen's compensation laws, In only tyo states Nevada and Washington Is the plan compulsory upon tha employer. In tho other thirteen states It Is elective. A comparison of the draft of the bill for Nebraska with the laws ot other stntes discloses the fact that Nebraska's boneflts for Injured employes, with one or two exceptions, are higher than those contained In the laws of other states. Actuaries of two of the leading lia The Inevitable "For men may come and men may go, But I go on forever." The lines of Tennyson may be para phrased In this way: Elections may come and elections may go, But tho globe spins on forever. The groat forces of nature are im mutable, while mankind is hero today and thero tomorrow. Some men say that If their candidate is elected president he will usher In the political millennium; others say that if the said candidate be elected the country will go to the dem nltlon bow-wows. But whoever may bo elected the world is sure to continue to rotate, bringing to mankind tho suc cession of seasons, tha fat years and the lean years. It - is a mistake to impute to the functions of government much In fluence upon the varying degrees of ma terial prosperity. Whatever may befall, we may be sure of one inevitable fact, to-wlt: That tho people this year have plenty of money and can buy life insurance Irrespective of the man chosen to reside in the White House; that the people must have the protection afforded by life Insurance, which Is one of the most beneficent gifts of man. to mankind. It Is as essential to the welfare of the family aa are the products of tho soil. It helps to bridge the Chasm ot Death and to assuage tho anguish ot those who may be left alone to battle for the means ot existence. B. 11. R. Fire Prevention Association Meets At the regular weekly luncheon of the Nebraska State Fire Prevention asso ciation held at the Henshaw hotel last Monday, an Interesting paper entitled "Electrical Inspections?' was read by E. S. Freeman, newly elected president of the association. The paper dealt with some of the details of electrical con struction with a view to preventUjn ot fires caused" by defects. This was the first of a series of papers to be react at these luncheons for educational pur poses, and was well received by the score or more of members present. W. S. Harding of Nebraska City, Is the new vice president of the Nebraska State Fire Prevention association, succeeding A. J. Love, and F. M. Pond of Omaha, t re-elected secretary and treasurer. The new executive committee Is com posed of the following: E. D. Marr, chairman; J. P. Dale. C. D. Multen. 8. J. Alexander and L. C. Storey MANY ACCIDENT CLAIMS DUE TO AUTO MISHAPS Because of tho many auto accidents that have occurred in Omaha In the laat week or two a great number of claims are rolling into local Insurance offices, both on accident policies carried by the injured and upon liability Insurance covering tho drivers. This frequent occurrence or .serious automobile and street car accidents Is causing Insurance men much concern and will probably caure a ralso in accident rates to cover losses through automobile Injuries. FHlrflrld pioneer tlrops Denel. FAIRFIELD. Neb., Nov. S.-(Bpeclal.)- T. W. Klrkpatrtck. an early settler of Clay county and for several years a resi dent of Fairfield, died suddenly Friday at his home In this city. Deceased waa T5 years of age, an old soldier, a member ot the Christian church and a highly re spected citizen. He had Just returned from the postofflce with the morning mall and was reading a letter to his wife when taken with a alnklng spell and by tho time the doctor reached the house he was dead. bility Insurance companies to whom the draft has been submitted ngrce that tho cost ot Insurance under the Nebraska act would be considerably higher than In other Rtatei where the benefits are lower. Hased on their estimate, the following tablo shows approximately the differ tnee In cost of Insurance, to cover tnc employers' liability hazard under the present Nebraska laws, and the work men's compensation hazaid as proposed by the m a law. In each column trie figures given represent the rote per S100 of payroll expenditure: i 1'resent man- Estimated ual rates rates un In Neb. der proposed for employ- workmens' era' na- compena blllty. tton law. Drug manufacturers. . ,42 Makers 42 Wagon and carriage manufacturers 40 Tlallroad car mfgs... .40 Carpentry work , 2.20 Structural Iron con struction 7.60 Masonry work..., 3.(0 Fainting 1.S0 wreckers, building or bridge 9.00 Electric light and power companies.... 3.75 Telephone and tele graph companies,... 3.00 Harness and saddle manufacturers 25 Shoe and boot mfgs., .S3 Box mfgs., no ma chinery 42 Box mfgs., steam..... 1.25 Planing mills 1.00 Packing houses 1.15 Boilermakers 1.50 iron foundry 1.00 Machine shops., 60 Flour mills 90 Mining, clay 2.00 Breweries 40 Awning & tent mfgs .71 Canning work 75 Cleaners and dyers... .50 Coal dealers 1.00 Florists 25 Gas works,, 75 $ 1.71 1.75 2.10 6.30 I 4.55 3.501 4.W 3.83 2.S0 2.80 8.40 3.15 2.80 2.45 2.80 3.50 1.75 3.50 Gasoline So many articles have been written on tho subject of gasoline hazard that it would appear that further discourse on the subject were unnecessary. Qasollno devices are being continually put on the market which are supposed to be fool proof, but it does seem that the fool killer gets in his work Just the some. Judging by the accounts of acci dents which appear dally in pur news papers, and that either people In general have not been sufficiently Instructed as to the dangers which exist in connection with the use of gasoline, or are crim inally careloss as to Its use. There aro so many new hazards developing and so many old hazards coming under the hands of persons who aro Ignorant ot them that the wonder is thero aro not more fires. A curious fire in connection with gaso line occurred recently. In a fireproof garago building, In which there was no artificial fire of any kind, it became necessary to empty out the gasoline sup ply tank, and a team of horses drawing a gasollno tank, wagon was drivon into the building over the concrete floor. During the process of emptying the tank one of tho horses, In stamping on the concrete flooring, struck a spark from its shoe. The room being filled with gasoline vapor, immediately became a roaring furnace, causing a most dis astrous fire. llecently a woman undertook to clean a silk waist by submerging it In gasoline In a washbowl, Bhe wont away for ten minutes to give it time to "soak," after closing the door. When she returned, she rubbed the silk briskly between her hands to rub out the stains. The fric tion of the silk gensratod a spark of electricity and an explosion killed the' woman and burned the house. A news paper, discussing the facts with owlish wisdom after they were demonstrated, says: "If the woman had known that gasoline evaporates rapidly, that tho gas It makes is seven times more dangerous thun gunpowder, that a single spark would cause a terrible explosion and that one may generate an electric spark by rubbing silk cloth If the woman had known all this there would have been no fire In the house and she would probably be alive today, and there la no reason why people should not know these ordinary facta of life." It is probable that nine out of ten per sons do know that gasoline Is very dangerous and do exercise reasonable, intelligent care In handling it; but nine out of ten do not know the details of its danger, and probably not one In five hundred , would know that It would be posslblo under the circumstances to gen erate that fatal spark of electricity, as It waa generated in this case. Qasollno Is doubly as dangerous as poisons, because it endangers property as well as life, and Is as Insidious In Its workings as the most subtle poison. Yet it can be bought and sold Indiscrimi nately, with practically little attention to proper warnings of Its danger, while poisons cannot be sold in dangerous quantities without registration or warn ing. It might be a good thing to require a danger label to be pasted on every package of gasoline sold, containing slm nlo Instructions as to Its safe handling and warning ot tho danger ot Its carelesj use. FRANK T. B. MARTIN. Insurance Notes. A. F, Dean has been appointed general manager at Chicago of the Springfield Fire and Marino, tho position made va cant by the death of A. J. Harding, Mr. Dean haa been assistant to the deceased manager for twenty-seven years. IL 8. Waterman has resigned as special agent ot the Prussian National to take the Agricultural In Missouri. Kansas and Oklahoma, with headquarters at Kansas City. The American Bankera' Sacurlty com pany of Indianapolis has merged with tho Bankers' Casualty company of Wis consln under the uama of the former, the off ices continuing at Indianapolis. 1.C3 4.W 5.25 14.00 I 8.40 I 6.30 1 iio 2 VrflFiDcimrc Jwr ! worry that kills. Burglars can break in and steal regardless of how secure a house is locked. Our Burglary, Tlief t and Larceny Policy is worth more to you than the pre mium paid. You can put out a fire burglars go out when you don't know it. National Fldclllv & Casually Co. Bo.fl ridellty b Casualty Bldg. Xdwla T. Bwobe, Vice Prs. Jay D. Foster It is I 14.00 Lggggggggg Foster-Barker Company I Fire, Liability, Automobile, Burglary, Brandeis Bldg, W. A. Toasoa, rrtsldsnt. Vb, Zj. Wilcox, vioa President. B. L. Baldwin & Co. QEITSBAX, XVSUSAWCS BSST SQUXTPSS AOSHOT TO GAfiJS rOB Tour Xnsnraace Interests. Representing only 8TBOBQ OX.S I. IKE XHStTS A3XOS COIZPABXSS. Phoae S 371. S09-510 First National Bank Bid. MARTIN EROS. & CO. GENEKAL INSURANCE BARKER BLK. TEL. DOUG. 735 Byron B. K as tings. Edward Hastings 8c Heyden Insurance Agency GENERAL INSURANCE In Old Iilno Companies. Wo Adjust Losses. 1014 Ilarnof Street. Tel. Douglas 1000. Greigh-Baldrige&Co. It is KOKST in your pocket to place insurance with the agency that looks after Tour interests when you meet with a loss. We do this and have for twen ty years. Our policies ate best let us convince you. A telephone call will bring a representative. U. Baldrige John W. Madden Z. A. Orelgh. Say, Mister Mai! If you are married you took a vow at the altar to cherish and protect your wife. Do you know that the man wh'o used the word protect In framing up that vow had special and direct reference to life Insurance? Well, he did! You cannot fully protect wife and children without life insurance in a strong, prosperous, conservative company ' The Bankers Retenre Life Corap ny of Om ha B. II. ROBISOX, Pres. Which is doing more busi ness than ever before In Its history. Capital and Surplus ?750,00".00. Accumulated assets 0, 588, 843.00. Business in force,, J30.000.000.00. Policy Contracts Liberal and Sound. 1 ueatn tiioims ram rrompuy. Ask tor tho new literature o. The Bankers Reserve Life Company Home Office I uarney nnn mm bib., unuiw. IT' J. H. Mithen Co. INC. 921-4 CITY NAT'L BANK BLDG. Surety Bonds Employers Liability Automobile Liability Burglary Plate Glass NSURANCE Joseph Barker Tornado, Accident, Plate Glass, Bonds, Etc. aansessn Phone Doug. 29 WHEELER & WELPTON CO. RELIABLE INSURANCE OP ALL KINDS. 1511 Dodge St. Phone Doug. 186 Heydea. Nat Kelster. INSURANCE FIRE TORNADO AUTOMOBILE PLATE GLASS BOILER BURGLARY IIEALTn and ACCIDENT ALFREDO. KENNEDY 200 First Nat'l Bank Bldg. Telephone Douglas 723. INSURANCE In all ita branches at Webster, Howard & Go. Phone Douglas 970. 326 Bee Bldg. ALESMEN" THE COMPANY'S METHOD of doing business has a great deal to do with tho success ot your selling. Wa take great pride In mak ing fair nnd just settlements and paying them promptly. Such methods will assist you to Increase your Income. We write most liberal Acci dent and Health policies. We want reliable salesmen for City and Country. HELP US GET THE LION'S SHARE. LION BONDING & SURETY CO. Oth Floor W. O. "W. Bldg. Omaha, Nebraska. li