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TlIE BEE: OMAHA, MONDAY, NOVEMBER 25, 1912.
s TltB FKtJDBWTIAIt XWSURAttOB co. or AMERICA nrorporatcl as stock com inr by the tnt of New Jersey Home Office Newark. N J- . . enter, Manarer lot 2?ebriu.r. ana Sonth Dakota. !! or wn e - mfornntlen atwit -mr t- I1 All liuirnilwd Uw IUU PolM 0ej Tiro Uullon Dollars lrt In frr Oood jxt iUob opd fur rtle rfprwutttlfM. S10-32 City national Bank Bldff, j BSOLUTE SECURITY The Tlqullable (rlvc absolute security lis Five Jlunarnl Minions or ajww k"- t.;:,;iMV. T iara jbllcallon cromnllv and In full Tim lomovnl of nil uncertainty la para nou t to evei? other roMlderallon In ii life Insurance transaction, which mar rovef n. period of half n century or more. L.-Ma 1 UK KQUITABLK L1FH AKSl'HAXCH BOOKTY of the UNITE!) STATES II. D. NLELY' A CO., Mnnnncrs, HM NereliniiU Nftt'l Bank k. d. wezlt. job xrrm. x- mcxakd. MANY MEN are In hot water about their Insurance because they chose iifw or untried concerns. A policy In the New England Mutual frill give you Increased satisfaction. G. W. NOBLE. Qtnsral Agtnt. CKAKI.ES z,. xofpek, Spclal Afant. 3. C. BXTCXKAS, Special Affant. orriczai Oe-C43 Brandels Blag-., Omaha. Aaaeta S49.0O0.O0O, JOINT LIFE The Joint life policy Issued by the (lormanla Ufa Insurance Company la a winner, Husband ami wife Inaured under tho mo policy, At age 30 the additional rate on on thousand 20 payment llfo la only 113.80. Tho wlfn should carry Insurance Hefore applying for your next policy, Just write or CALL AHDEKSOH and aak him to send you iin Illustration. Office, 430 lloo Uullulng Tele phone Douglas 22CG, Omaha, Neb. "STATE MUTUAL" OF WORCESTER, MASS. IKE IF THE SLIEST 8 S YEARS and licit Companies on Enrth. W. H. INDOE General Agent 6S3 Ileo Ilullding, OMAHA Zf yomr rtik la rxxrSBBBB yon can. ony i7,SOO ... SIS.OOO In THE PREFERRED ol N. Y. fcr tka hi tumiua'tsat yon sow say for a Sfl.000 110,900 In other eoaapaalea. LYNNE D. UP1IAM, Manager find Adjuster 1317-18 City national Bask B&Udlaff. Prominent Omaha Insurance Men f N I ' '' X. X. Ivklkart, Vice rrttjdiut fr" The familiar faces of Omaha's leading insurance men will " be shown in the, above space from time to time. 35.1, TAXX TO Ml KELmLmY riU0 or CaryeraUsa Tkaa Amy XUMtTT WUUM JRI Northwestern Mutual Life insurance Company OF MILWAUKEE MANN & JUNOD General Agents r:18-541 Drntitlels riulldlnp, OMAHA (o It I'lcvTmn'Lry THE Union Central Life Ins. Co. Of CINCINNATI, OHIO HARRY O. STEEL Oeneral Agent. 311-313 Bamjrs Bid. Fuone 9193 Onr 80 Payment life ' Are 4B rirat year .S4B.M Second year $37.81 Ho Other Company Can Match Tbeie Bates. INSURANCE Since 1800. OBSAXTXXB 1848. The Mutual Benefit Life Insurance Company of mSWAXJC, XBW JEHBEY GEO, T. BLANDFORD, Ststral Arnt. 418-10 City national Bask Bids. Osueha, Habxaska. Hon XoallEg- and Surety Co. T0 "THE INSURANCE MAN" Ufa Insurance at Xwr Ceat Hkr Company Beajriaa Ml. Notes from the Insurance Field i MEDICAL AID FOR EMPLOYES Points of Difference in Workmen's' Compensation Laws. DOCTORS GET THE LONG END Sonic Kimtern Stntee ftrnnlrr I'nr- nlehlna; of llonpllnl Acroramodn tlona, na AVrll na Jfedlcal Atlcndnnee. Among the various workmen's torn- IK-nsatlon laws, onactod up to this time, ihe greateat point of difference aeemii to fjJet with reipect to the matter of medi cal Attention. Ax medical aid 1m fur nished by the employer In addition to benefit for dUablllty or death, tho wide range In the medical nld ecalo will make a blR difference In, cost to cmployorn In the varloua stales. For Instance, the lawn of Masa- chuietta and Rhode Island say that the emplorr shall furnish reasonable hospi tal and mrdlcnt ecrvlco to Injured em ployed during the first two weeks follow IDS tho Injury. MIchlKnn's statue rends the same, except that It extends the time limit to three weoks. New Jorsey em ployers furnish medical attention for tho first two weeks, limited In cost to 1100, while California uses the samo flcuro of 10) as to tho monetary limit, but extends the time to ninety dnys, Illinois makes it elxht weeks, not exceeding $300. Ohio merely says not to exceed $200. In Wis consin, medical aid shall be furnished for not more than ninety days, no limit being placed upon the total cost. In ArlronA, Kansas, Nevada, New Hamp shire and New York medical aid Is only furnished at the expense of the employer In those cases where the employe dies, leaving no dependents. In Maryland and Washington medical aid Is not rtnionu the benefits provided by tho compensa tion laws. Imnrrra and Ilootora Fnre Welt. In Wisconsin, with its provision for medical attention for ninety days, un limited In .dollars and cents, It Is Inter esting to note that reports show more mono paid out for medical attendance tho,n for all disability and death claims combined. Under employers' liability laws, experi ence has shown that Injured employes re ceive less actual cash than the lawyers handling their cases for thorn. In Wis consin' It now appears that the doctors aro getting more than tho Injured em ployes. This. Is one of the reasons for the high cost of Insurance to employers In that state, covering payment of work men's compensation benefits as named in the law. At the present writing., approximately tiut S per cent of Wisconsin employers liavo elected to be governed by the com pensation law. Could the medical aid features of tbelr bill be somewhat more restricted, that in Itself would cause a material reduction in cost In tho em ployer and undoubtedly more employers would elect to pay compensation Instead of to continue along under the employers' liability law. Controversy In Illinois. In Illinois, paying the cost of medical attendance for eight weeks, with a limit of "quite? un argument has arisen between "pKyslclans and employers or their Insuranco companies. Ah they Ktiaranteo to pay tho cost of such medical aid as the employers may become liable for, naturally the Insurance companies wan 'to know In advance what the rtoctors will chargo for their services In given casos. Borne of tho medical societies have taken tho matter up, sug gesting to their members that they do not sign the medical and surgical fee schedules. It Is possible that the con troversy may result In larger employers and Insurance companies starting hospi tals under their own management. In any law of this kind, medical aid tr a reasonable limit should bo furnished nt the expense of the employer, but it Fliould not be to such an extent ui to become an object of strife, nor to such an extent ns to work a hardship upon tho employer, MUTUAL, AGENTS MEET TO DISCUSS BUSINESS On Thursday an agency meeting of the Mutual Iluncdt L4fo Insurance company was held In Omaha, presided over by Qcorgo T. Iltanford, general agent for Nebraska. Following the morning session, a lunch eon was served tn the rathskeller of the Ileiuhaw hotel, after which followed tho Important part of the meotlng. 1,. I.. Hall, a local attorney; A, A. Drew, superintendent of ugenclea of the company, and' William Wlnton, assistant superintendent of agencies, were the prin cipal speakers, Mr, Hall related some of his experiences aa a salesman' before entering tho legal profession. Ho dwelt on the Importance of a general knowledge to the Insurance man. The next speaker, Mr. Drew, generated a great deal or enthusiasm among tlio agents by his references to tho retroac tive principle established by the company. He said that stability, equity, and cost was the order recognised by the Mutual Benefit In the handling of Us business. He urged the men to solicit business on the theory of commutative selling und to make a Ufa work of the Insurance busi ness. Quoting statistics he showed that moro money was spent armualy in this country for Jewelry than for Ufa Insur ance, to say nothing of tobacco or liquor. The Implicit confidence that many peo ple have tn Chamberlain's Collo. Cholera and Dlarrhoae Remedy Is founded on their experience In the use of that rem edy and their knowlelge of the many remarkable cures of colic, dlarrhoae arid dysentery that It has effected. For sole by all dealara.-Advertleement. A. 3, 10TI, PrUat. Love - 314-324 Omaha National Bank Bldg. EVERY KNOWN ICINO OF INSURANCE patronize: ho vie institutions Tine State Insurance Company of Nebraska a. a. rays, nut. Tne German iNEWlx elected m-mawt of K WF saiJiJLsVm KU. T BWOllK. Insurance Notes From the Various Cities and States Directors of tho Sovereign Flro of Toronto havo decided to retire from the United States und to accept nil offer from the Globe and ltutgcm to tulnnuio Us outstanding risks. The Wisconsin fire marshal's depart ment reports on COi fires In the state dur ing tho quarter ended with September 30, uf which lightning was responsible for 217. with a loss of 301,309, and defective chimneys for twonty-rour, with u ioh of 40,190. Important changes In stnto supervisory officials will tako place In the next few months as u result ut tin- Uemou.utic land slide. In nearly all the western states the present Incumbents are slated to retlru, either because of tho change In the po litical complexion of tho vtute or because of plana mudu prior to the election. A. A. King, nn Inspector for tho Under writers' Assoclutlon of New York, has beon appointed stato agent for the 8U-r-llmr Flro In New York. reDorUnc to tho eiutern department at Daitlmoie. Mr. King naa naa a general experience cover ing the last twenty-three yturs, represent ing tho North ltivcr. New lorx under wrltera and other companies In that state. Mm. Tiulso T.tndloff. on trial In Chi cago on the charge of causing the death of ner 16-year-old son, was the benefi ciary named In policies on tho lives of six members of her family two bus- bands, two daughters, a brother and u eon all .of whom died under circum stances lmllcutlng arsenical poisoning. The policies totaled 10,900. Flro losses in the West during October were reported ua normal for most com panies, although a few complain of an unusually high loss ratio, especially on dwellings and farm property. The losses were so sevens during the early months of tho year that unless thero la a ma terial railing on in tno winter ures tno totals for tho yoar will equal those of 1U. Tho Southern Casualty and Surety con ference, nt Its annual meeting at Dallas, Tex., declined tho proposition 'from the Detroit conference for n merger of the two organizations, which have to do largely with Industrial business. A reso lution was adorned 'approving the sug gestion of u simultaneous mld-wUter meeting of the two bodies at Chatta nooga to promote further acquaintance and co-operation. The promised reduction of commissions In Chicago and other large cities Is re sponsible .lor a Slew feature of 'demoralisation.- if ports tho rtecord-Herald. tv ec.il .mportnnt companies aro charged with gutting a much' preferred business na nnmliln In Plili nirn unci suburbs. Day- ing excessive commissions mcreiur unu taking chances on being able to hold tne uusintss if commissions aro reduced and all companies aro put on tho same bus-s, Kinannuel II. A. Cerrea, vice president of tho home Fire Insuranco company of New York, died October 24 ut his home In New York. Hu was born in the West Indies Ui 1&" and was educated In Kng lund, going with tho Homo In lSfia. He rose through various stagou until ho be came In 1908 first vice" president. He contracted blood poisoning through a colored stocking Infecting a blister caused by riding boots, and the sovere treatment necessary affected his heart Governor Foss of Massachusetts has named Nov. 9, the fortieth anniversary of the Boston conflagration, as fire pre vention day. Practically all tho states have now taken tho arlmversary of great conflagrations as the dates lor the fire prevention day observances. Tho great majority of the states observe October , tho anniversary of tho Chicago fire, as that was the beginning of the move ment. On the Pacific coast, however. April 18, tho- anniversary of tho Snn Francisco conflagration, is observed. Tho Kansas supremo court has decided In favor of the tire Insurance companies In the long-pending litigation, begun by former Attorney General JacKson. charg ing that the companies ycr engaged In an unlawtul combination to maintain in suianco rates in violation of the anti-trust statute, and asking an Injunction. Tho court holds that tne nntl-trust law, to far as It relates 'to fire Insurance, was ic pealed by the enactment of the state rat ing law several years ago. The anti-trust law sought to pro vent tne companies from combining to make and maintain rates. Tho ttate rating law compels them to make uniform rates and punishes them ior deviations therefrom The United States circuit court of ap peals has sustained the position of the Hartford Steam Holler and Inspection and Insurants company In tho llturatlon growing out uf the boiler explosion nt the Palm brewery at Milwaukee last year. The brewing company claimed that the explosion of each of tho three boilers should be considered aa a separate explo sion and that the Insurance company should be liable for tto.bOu for each under the limit specified In its policy for an uxploston. Tne circuit court of appta'J ic versed the decision of the trial court and hold that tn law und within the mean ing of the policy there was but one explo sion and that the Insurance company wan liablo lor but one. The company Home time ago paid the U0.000 for which It ad milled It waa liable, and the ault wan far the balance of the claim. , J. Sidney Smith brought suit at Kansas City to recover from tiro Insurance com panies on a quuntuy oi grain in curs which was burntd by an elevator fire. The court decided against him, the de cision hinging on the location of a comma tn the ciuuse In the contract describing the location of the l opertv. The sentenci read! "Grain In cars on sidetrack, within 10) feet of the elovator." Tho owner claimed that to long as the cars were on a sidetrack which ran within 100 feet of the elevator, even though they might be moro than that distance uwuy from the alMvatnr. hr wait covered, while the insur ance companies held' that the cars must be both on a sidewalk and within 100 feet of the elevator. The court discussed the lo cation of a comma to bring out the mean ing of the sentence, and held that the comma should be after "grain In cars," Instead of after sidetrack. Haskell Company Capital, 800,000 Eire Insurance A. 3. X.OVJS Gen Maaager. jg fire RATES HALTED i Kentu?kv Bntn-Makine Board De fers F'""' Action. SHOWING MADE BY COMPANIES i ilpnltir Notion of t.ftrjic Profit on ItlaUa lllaiirored liy Statistics Dnlnua In the Insurance Field. I An Insurance rating board created In Kentucky by the law of 1911 Is consid ering the question of reducing tho fire risk rate. A cut ranging from a per cent on city dwellings -to 33 per cent nn farm homes was agreed upon early In October, but was held up pending n hearing on the protest of the Insurance companies. j At the hearing on October 22. repre sentatives of the companies submitted a I mass of statistics based on the experi ence of tho Springfield Flro and Marine, a company doing a large business In Kentucky, showing a loss ratio of 5S.S per cent In five yenrs. Tho loss ratio of all companies on the class of risks was 5.7 per cent. In addition to the figures given tn farm risks and dwellings, tho Springfield submitted Us experlenco on all clustett of business In Kentucky during the last five years, showing a loss ratio of Sl. per cent and nn expense ratio of 37 per cent. Indicating that the business for the period had been done nt a loss mid that, therefore, it was not possible to stand any reduction on the business as a whole, and still less on the classes which are gencrnllly regarded as the most profit able. A slmlllar petition was also pre sented from all the companies repre sented, asking for the same vacation of the order pr extension of Umo as was asked for by the Springfield. Tho argu ments submitted. In addition to quoting the statistics and drawing the Inferences therefrom, also raised legal and consti tutional points. The companies reporting their experi ence to t(i committee collected 3,475,31 In Kentucky In the last five years on town dwelling und had a loan ratio on the class of Efi.S per cent. The farm companies reporting, not including three of the largest companies, which were submitted separately, had a premium In come of 7GI.S72 and a loss ratio of 57.2 per cent. As the expeneo ratio In Ken tucky is 40 per cent, this shows only a small margin of profit, and that on tlv classes which have been selected by the state board as the most profitable. The Impressive showing of the com panies caused a postponement of final action on the rates from November 1 to December 1, the rating board desiring the additional for Investigation of the statistics submitted. The members ap peared surprised at the companies' claim that the reduction In dwellings would amount to S3 per cent from tho present rates, and at the narrow margin of profit on tho class less ihan 5 per cent shown by their statistics. They explained, however, that they had been unable to get accurate figures, as tho companies had not reported their experience on the clasrf. It Is believed they accepted the popular belief that the dwelling class Is one qf exceptional profit and assumed thatlt could stand cutting. It Is under stood they be)leyed, tho profits on tlio class to be about 25 per cent, and ex pected that their reduction would amount to about 20 per cent, leaving tho com panies a 5 per cent margin of profit. Inflexible Valuta. Investments of whatsoever nature fluc tuate in value from year to year and It too often happens that their values dev tertorate. This Is. true of real estatu, merchandise, manufactures and products of the soil, and of everything the value of which is Influenced If not governed by thn law of supply and demand. The facts being generally recognized, It Is little wonder that men of forethought and discrimination lay aside a sum of moniy every year for Investment In life Insur ance. They do this because of the well known fact that a policy Issued by a solvent, old line company, upon which premiums aro promptly paid, is always worth Its face value at date of ma turity of contract or upon death of the Insured. Tho valuo of a life policy Is slable. regardless of tho vicissitudes' if Hfe, or the mutations of property In vestments. The moment a man dies his life' Insurance policy becomes a tangible estate, worth Us face valuo In gold, convertible Into ready money. Ho knows Just what his wife and family will receive when bereft of the bread winner: and he knows, too, that this money cannot, with rare exceptions, be selred by his creditors. If ever. The luw safeguards this money for tho exclusive benefit of tho widow and orphan. The provident man takes out a life In surance policy "during the productive years of his life when In health and strength. The annual premium covering a twenty-year period Just about equals In amount of annual taxes upon real or personal property of value approximat ing that of a life Insurance pollcv. The latter creates tangible asset at maturity of a value precisely what was bargained for when the policy waa writ ten) no fluctuations, no depredation, no flaw of title. There can be no better form of Investment. Serlona Larrratlona and wounds are healed, without danger of blood poisoning, by Bucklen's Arnica Halve, the healing wonder. Only 2tc, For sale by Beaton Drug Co. Advertisement. Insurance Personals. Assistant Oeneral Manager Val of the Hartford Fire company visited the Love Haskell company last week. Henry O. Clark, manager of the plate glass department of the Massachusetts uurgiar ana insurance company, visited his agents, Martin lirothfrs company, last week. Special Agent Cruikshank. of the Southern Surety company, waa In Omaha last week, looking after the transfer of the stato agency to FlUgerld & O'Ncll company. mmc J. HASKXLI., Becietary. WSC SC. AJraCANSOW, Secretary. Co. of Nebraska We ai'o making substan tial gains in premium in come each month, which is the best evidence of the growing confidence in this the best Fidelity. & Casu alty compniiy of the cen tral west. We bond more people than any company in Ne braska. National Fidelity & Casually Co. Kat'l ridellty tc Casualty Bids'. Omaha, Keb. Zdwln T. Swobe, Pres. ana Qenl Mjr. Jay D. Foster Foster-Barker Company Fire, Liability, Automobile, Burglary, Brandeis Bldg. VTAXTEK A. YOW30N B. L. BALDWIN & CO. IsUbUshed 1891. 09-10 rirst National QEKBBAZ. INSURANCE Telephone Doug. 271. Wheeler & Weipton Co. BEI.IAlJI.il INSURANCE OF AX.X. KINDS 1011 Dodge Strest. Phone Douglas 180. L MARTIN BROS. & CO. GENERAL IfsJSaUIAINJCE BARKER BLK. TEL. DOUG. 735 Byron B. Hastings. Edward Hastings & Heyden Insurance Agency GENERAL INSURANCE In O.hl Line Companies. Wo Adjust Losses. 1014 Hurney Street. Everything to Commend It A Western Life Company of great financial strength. Mortality cost very low. Expense of management reduced to minimum. Prompt payment of death claims. Accumulated assets, $3,588,843.00. Capital and surplus, $750,000.00. Business in force, $30,000,000.00. The Bankers Reserve Life Company B. H. Robison, Pres. Home Office, Omaha, Neb. Creigh-Baldrige&Co. It Is MONET In your pocket to $ that looks after Yonr Interests when you meet with a loss. W An thlajanft liAfM fnr lwn. fiaS ty years. Our policies are best j , let us convince you, A telephono 6t call will tiring a representative " 1 9 a 55 J. K. Baldrlg John W. Madden ft 1 V T. A. Crabrh Insurance, In Webster. 'Pfcoaa, Boaglts 870. -1- BOOST POX OMASA The Columbia Fire Underwriters Or OMAHA Hoa Offices Entire Third rioor Merchants Vatlonal Bank Building-. Phone Soog-l&s 431. 3. O. Talag, Maaarsr. M. E. I.aio, Assistant Manager. rr I H, Mitlien Co. INC. 921-4 0ITY NAT'L BANK BLDG. Surety Bonds Employers Liability Automobile Liability Burglary Plate Glass NSURANGE Joseph Barker Tornado, Accident, Plate Glass, Bonds, Etc. t Phone Doug, 29 w. inaoY Wilcox T. Hsyden. Nat Melster. Tel. Douglas 1000, INSURANCE TIItK TOIINADO AUTOMOUIIiK I 'MTU GLASS BOILER, IIUHOLAltV HEALTH ami ACCIDENT ALFREDO. KENNEDY ilOO First Xnt'l Hank Bldg. 3 Telephone: Douglas 722. All Its Branches AT Howard Co. -:- .y. -s- 328 Bed Bids;. I