Omaha daily bee., February 24, 1913, Page 6, Image 6

About Omaha daily bee. (Omaha [Neb.]) 187?-1922

Image provided by: University of Nebraska-Lincoln Libraries, Lincoln, NE

                
THE HKR: OMAHA, MONDAY, FKBRUAKY 24.
Hefore deciding
on your Insur
ance 'phone I).
1175, and rik
about the new
low tout. nil
g'taranteed pol
icies, a plans.
Life. Limited
Payments, Kn
d n w m e n t .
Joint or Part-
Kurnuon ana .Monthly Income or Pen
sion Toil, left
p Prudential ins. Co. of America
M. BtttlCE CARFENTDB, Mpr.
.brs",ia Ani1 "oiith Dakoto
U9-32 City Nat'l Dk. Bid., Omana
Equitable Life Assurance Society St U. S
Assets over $500,000,000. Paid Policy holders over $815,000,000.
H. D. NEELY & CO., Managers
n. I). NKELV ,?on KLEIN K. H. PIOKAHD
.Merchants Xnt'l llnnk Illtlg.
Obey That Impulse!
Not the man who INTP.NDKD
but the man who INSUltBD
left provision for his family.
G. W. NOBLE.
Otneral Agsnt.
coablbs t. noprsn.
Special Affent.
J. C. KXTC3TMAZT, Bpsclal Affsnt.
orriCESi
638-G43 Srandels Bids'. Omaha.
WHI5N BUYING L.IPR INHUIIANCK
rar c-o business, ono who Is able to
JX)Ft i Oil.
rutt 1UU.
Thero arc more than CO different "kinds
DCSt SUlted to vnur rnnrllHnn i
Clarence N. Anderson,
430 Bee Building D. 2206 Omaha, Nebraska
"State Mutual Life"
OF WORCESTER, MASS,
ONE OF THE 0LDEST-69 YEARS
and Best Companies on
Earth.
W. H. INDOE
General Agent
062 Ileo Building. OMAHA
43 Per Cent
Last your llio death losses of Tho Bnnkera
Reserve Lii'o Company of Omaha aggregated only
4IJ portent of tho expected mortality cost.
Ddcsn't that fact donoto rigid scrutiny of all
applications for policies issued by that Company?
, Doesn't it also denoto careful management 7
Ask tho man.
WHEN A MAN 110 owca lt to himself and his business to
LIVES CLEAR UP Pro v Ida adequuto Ufa Insurance the un
TO HIS INCOME nxpoctod Is always h&pponlng. Soo
TOM KELLY
bxokty millions abbots
( A. J. IiOVE, President
Love-Haskell Company
Every Known Kind ef Insurance
.H i-n2l Oninha Nntf 1 llnnk RldR.
Ul the Buyir Beware
SB US BETOKE BUYING ANOTHER POLICY IN ANT BRANCH
Or INSURANCE.
m w w at .a-aw r k.TV-1 -1 TV T 403
frM.B .Airnr.re &
Qentral Affent
S4,900,000
The fl nu res above represent tho amount of Insurance. In forco In The
Mllwest Life. , , ...
Are you a policy holder? Thero are over tlirco thousand now In this com
pany and the number Im Increasing every month.
Why send life insurance money to Now York? Some of their companies
are already bu big that they do not advertise the amount of their assets for
fear of unfavorable comment.
If you are la tho market for llfo Insurance of any kind, call or vvrlto
THE MIDWEST LIFE
N, E. SWELL, President. ' A Nebraska Company.
Rom Official First National Bank Building-, Xdnooln.
A. A. TAYLOB and OSOROB OBOOEEB,
Osnsral Affsnts, Rooms 1313.1314 City National Bank Building-, Omaha.
Spend money
to save money
If you have anything' to sell
invest a small sum in Bee
classified advertising.
The resulting sales and their
profits will prove to you
Money is saved by
judicious spending
Northwestern Mutual Lifo
Insurance Company
OF MILWAUKEE
MANN & JUNOD
GcncrnI Agents
B.18-ftl4 HrnmlclK Bullcllnff,
OMAHA
THE
Union Central Life Ins, Co,
or
CINCINNATI, OHIO
HARRY O. STEEL
Oensral Agtnt.
311-313 Bamffe Bldg. Phone D 3163
totisuU ono who know the. life 1
advise you tho best form of policy 9
H
of policies Issued. Oet the form
itr-i.. n Ait
OKQAOTEBD 1818. i
The Mutual Benefit Life
Insurance Company
of
KBWABK, HEW JES8ET
GEO. T. BLANDF0RD,
Oaneral Agant. .
415-10 City National Bank Bids'.
Omaha, Nebraska.
"THE
INSURANCE MAN"
Douglas 081.
FRANK .T. HASKELL, Sec'y.
I'linnc Douglas H80.
NKLUi arana.i. bi.
D. 3383
Illinois Surety Co,
Notes from the Insurance Field
CHASING THE ARSON TRUST
First Conviction of Insurance Pro
motcr of Incendiarism.
FIRES BOOST THE BUSINESS
Tlir .Morr I'lrm, thr I.nrKrr ihr Pnt
iipss of llic Premium Ilemnrk
nlilr Mnxlnin nf I n Kur
il ncc Aim.
Now York courts nre proceeding vlg
orously ncalnst member of. Iho "Arson
trust." both the III red flreliuc nnd the
Insurance promoter. In Chicago the
uuthorltlO'4 nio digging Into the opet
atlnns of "Onsollno Snusnge Crew," nnd
enrlv nrtlon In the courts Is assured.
Startling criminality has already been
tcvonleil In both placet, showing close
business relations between firebugs and
insurnnco men.
Itobert J. Uubln. the Insurance adjuster.
convlcterl of second digree arson In New
York last week, fnces a penitentiary sen
tence ranging from one to twenty-five
years. Ilubin's firebug wa Isndor Rteln
nicknamed "Irzy tho I'aln'ter," a p!nl'
tentlary bird with a record of 300 fires
started at the behest of the "arson trust,"
an organization which split tho insurance
money with the firebugs.
The tcstlmyon In the Hubln trial showed
that Insurance can bo lind In New York
City without the Insurance company hav
ing any knowledge of the policy holder or
his property.
In his testimony 8teln told of having
been hired by Hubln to pull off a Job
on himself, nccnuso ho had changed
bosses Stein moved hit personal belong
ings to a strange part of the city. Hubln
Issued or procured the policy. , Hteln
pulled off tho fire. Rubin adjusted the
loss, H00 nnd got $60 for his comtnls
slop. He wnnted 1100 but Stein closed
his fist on 340.
Responsibility for Incendiarism Is dl
rectty charged ngalnst Insurance men by
Arthur MacFarlane, special writer In
Oolller'a Weekly, In his third article on
the subject: "We regard our fire lnsur.
Alice companies," ho says, "as our
natural protectors from Ilrcs nnu crooks
The truth Is thut all our powerful stock
flro Insurance companies must nnd do
gain by fires and -our present huge In
crease In fire losses."
Nine-tenths of all flro Insurance sold In
America Is sold by stock companies,
About JC.OOO.OOO.OOO Is sold by them every
year. This Is Mr. McFarlane's analysis
of the situation;
"Every stock fire Insurance company
Is Ih psspnen a irroun of Individuals who.
I is fontrlbutora of so many thousands of
dollars apiece, have set up a kind of
gambling bank,
"So to describe It Is neither fanciful
nor gratuitously Insulting. You will find
substantially the name (Comparison In
Hadloy's 'Hconomlcs,' and In the mofi
umcntal volumes of Schllng and Schon
berg, or Say jnd Herder.
"With VX,m or MO,000 or 11,000,000 the
organizers of a stock flro Insurance com
pany set up their 'bank.' And they an
nounce themselves prepared to bet tho
owner of Insurable property that within
one yeiar or two or three ho will not have
a fire. Tho presumption Is that he Is
honest nnd will himself do nil he can to
prevent tho fire; hut, despite tlytt, It may
CQine'. The company lays odds of 60 or
100 or 600 to 1 that It will not. And lt
makes the odds, or rates, so favorable to
Itself that even If one property owner in
the to or 100 or GOO should have a fire,
the wagers or premiums It has received
from the other 10 or 99 or 439 will still
leave It a profit.
"But thero is more than tills. If the
honest property owner docs havo a fire
In this species of gambling he Is, still the
loser. There must, therefore, be some-'
thing to Induce or compel him and his
43 or 00 or 493 fellows to play In tho first
place. Tho only thing he can furnish
tho compulsion Is fire, or the danger of
tire ltsotf. And It Is for this reason that
all well capitalized stock fire Insurance
companies mint always want certain
number of fires to occur.
"Kvory business has Its own private
business gecret. This Is the private bus
iness secret of stock fire Insurance. To
the outsider It may seem an Incredible
paradox. But to tho practical Insurance
mun it Is the veriest commonp'jce."
I.lstrn to Insurance Mm.
Kdward Mllllgan, the vice president of
the l'hocnlx of Hartford, testified rec
ently before the Illinois Insurance com
mission: "Speaking for the, company,
for the fko Insurance companies," he
said. "I should say that the reduction
of the flro waste would not be a profit
able thing. I think, Mr. Chairman, that
us o uusiness nre insurance Is conducted
by companies like the one I represent
with most satisfaction and with .larger
profits In the years when fires are plenty;
a good number of fires means a good
premium account."
"A good flro Is sometimes the best ad
vertisement of the business," says John
(1, Wlckser. the president of the Buffalo
German Insuranco company. A story it,
told of a new local axent of a great Hart
ford company who was boasting to hit
district manager that he, had not had rf
fire In yeiri. "Yes, you fool," replied
his manager, "and It's about time .iu
were gottlng us a llttto advertising!"
A fow years ago, aa you muy read on
page 30S3 of the report of the last Ne
York Insuranco commission. John A. Sic.
Gable of Brooklyn, a would-bc fire pre
ventlonlst. went with certain very sensible
Ideas to the gentleman who was then
the spokesman and representative of tnv
fire Insurance business In New York and
laid his Ideas before him.
"He very nervously uml very hastily
said." report Mr. McOahle. "we want
fires, if thero are no fires, people will
not insure. The more fires tho better for
our business."
"Were there no fires." says the general
manager of tho Scottish Union and Na
tions! Insuranco company of Edinburgh,
"there would be no Insurance business;
and, on the other hand, the groatw t k
fire damage, the greater tho turnover out
of which Insurance companies make
mako profit. Speaking tonight as
manager of a fire Insuranee company, I
say wo cannot make profits far our share
holders without fires, and further, that
within cerjrtlu well-defined limits we wol
oo me fires."
Lesser oauscn of tho flourishing condi
tion of the arson business In this country
art laid to tho fire Investigations tud the
arson laws.
"We have made It easy," M)s the
writer, "by negative. Incompetent and
absurd Investigations of fires, for the
crime tu remain undiscovered. In New
York und Oileago and Philadelphia vine
deputy fire marshal, at about (3 da".
Is expected to investigate' anywhre
from thirty-five to fifty fires a week.
"The chief trouble with the arson uw
Is that they were drawn up without any
notion that In time It might be profitable
for men to burn their own property "
New YorkBilTis
Against 'Outside
Brokers' Insurance
One result of the labors of William 1.
JUIsoii, special Investigator of fire In
lUrance, a bill has bten Introduced In
thn New York legislature prohibiting out
side brokers doing business In the stnt.
One branch of the Oklahoma lrctslntur.i
has passed a stRto rating bill based on
he Texas statute, but Its defeat Is p.
peoted in the other house.
Twenty-three stock fire Inxnrnnr,. pom.
panics retired from the field durlnir mil
by reinsurance or merger, resulting i"
it material reduction In tho amount of
capital In tho husl
and miscellaneous companies also retired
The master In chnncerv nnnltit,l hv
the federal court of Indlnnniuilli. in Wie
the Insurance controversy In tho Knights
or I'ytnias, in n report Just filed sustains
the action of the supreme Indue In rrprit.
Ing tho fifth, or higher rate, class, and
in using the reserve to finance It.
Ixisses In the west so far I n T'Vhrnnrv
have been unusually heavy, n number of
companies reporting lotu ratio for tho
first half of tho month of considerably
more than 100 per cent. This Is partly
accounted for by the cold weather which
prevailed over much of tho west rinrini?
the first half of the mouth, causing an
usual strain on tho heating appliances,
iiucs, etc.
By n decisive vote of 125 to 3 th mi.
Bourl house passed tho bill repealing tin
nre insurance rating law.
Tho United States circuit rntlrt nf on.
peals has uphold at cverv nnlnt th.
decision of the fede
New Jersey, declaring that the dividends
or mutual life Insuranco companies nio
noi laxaiue under the federal corporation
tax "iw,
EG. Dunn to Speak
at Emmet Banauet
Thursday Evening
Second to St. Patrick In the heart 3f
every true Irishman and woman Is Robert
Kmmct. Ever since his ni fna
tho march In 1800 to selzo Dublin castlo
With a handful Of COnsnlrntnra h tin.
been Immortalized to that nation.
So It follows that where you find ono
of his countrymen you will also find one
of his admirers and where you locato
moro than ono thpm ir.n,.
sort of celebration, at least -nca a year,
to commemorate his me.i.ory. The day
set aside Is usually the date of his
uuviiy, aiarcn 4. This yeat, However,
the Irlev. Vcllowshln plnh n,i u t .
r tuts ahuhoi.
Monument association In Omaha will
observo tho occasion
variation was made because the outlook
promised some difficulty In securing a
good speaker on tho preferred date
1,10 ccicDratlon this year will bo held
at tho Henshaw, where after, a banquet
there will be n. snppph h., r-.i... ,
- "unniu uunn
of Mason City, recently candidate for
governor of tho state of Iowa.
There will also h n .!..,
at which Miss Nell Donahue and Clinton
punier win give vocal solos.
Naked Negro, Crazed
By Cocaine, Startles
Downtown Crowds
Inspired by cocaine, an unidentified
negro of glgnntlo proportions startled
persons on lower 1 Karnam street last
night by dashlmr at fun n u.
. - ...v u y ilia
middle of the street, naked.
i'atrolman Pipkin saw him and gavo
chase, but tho nccrn wnn rinf p
I, , iiiui
and at Thirteenth and Fnrnam he turned
uuin and sped around the block, disap
pearing finally In tho Innumerable negro
shanties near Tenth street and Pnnlfnl
avenue.
Tho black giant madn his
and disappearance within a space of five
minutes, going npnarcntlv to thn snmo
place where ho started. In his wake
no left crowds of spectators wondering
how ho could withstand the cold. Th.
thermometer registered around 20 degrees.
A Eemarkable
Railroad Run
The Missouri, Kansas & Texaa Railway
syatcm has Just made what in railroad
circles Is said to bo one of the most
remarkable, runs over reported. Leaving
Kansas City at 11 o'clock Wednesday
morning with tho Standard Land com
pany'e special train of nine cars, they
arrived at Houston at 1 p. in. Thursday
This Is practlcnlly a thousand mile run,
which was made in twenty-six hours.
This run covers five railroad divisions,
involving five changes of engines and
crews, besides several other stops.
The Standard Land company, formerly
of Lincoln, now of Omaha, Is the largest
land selling company In the United States
and runs its own special train twlco
each month from Kansas City to south
ern Texas nnd return. This company has
sold pearly S7SO.0O worth of land since
January 1, 1912. This Is probably the
lurgovt volume of business transacted by
any company or Individual In the state
of Nebraska or Missouri for the first
two months of the present year.
Officer Sam Egan
Leaves Hospital
Sam Kgan, ono of the best liked mem
bers of the Omaha police department,
who for the last two months has been
til at the Wise Memorial hospital, left
there yestorday to go home. Officer
Egun has been Buffering from btomach
trouble and for a time It was thought
that he would not live. He will resume
his duties In the department soon.
t'liuutf rtclt Dollars
buy trouble, but a genuine quarter buys
Dr. King's Now 14fe Pills, for consu
ltation, nmUrU. headache and Jaundloc.
For sitle by Ueaton Drug Co. -Advertisement.
Tho Persistent and Judicious ITso of
Newspaper Advertising U the Road to
UusluM Success,
BRITISH HEALTH INSURANCE
Far-Reaching Measure of Social Re
form Now in Full Swing.
HOW THE SYSTEM STARTS OUT
Viirluna Benevolent mill Krutrrnul
Afti'tide Assist tlir (Sovrrii
mrnt In Mnkltiif Lniv
IJffectlvi'.
FV Handel Booth, M. P., writing in tho
New York Times, describes tho British
system of national health Insurance as
"the most for-reachlng measure of social
reform ever enacted nmong Hngllsh
speaking peoples," and gives these de
tails of the system Just Inaugurated:
"Although the cash payments for tem
porary sickness only commenco In the
latter half of January and the perma
nent Invalidity pensions n year nnd a
half later the great approved societies
arc perfecting their organizations for
the prompt distribution of the weekly
sums and for the detection of 'malinger
ing." There will be little risk of wrong
ful payments under the maternity bene
fit; but the possibility exjBts of confu
Fion In the employment of doctors or mld
wlves and the remuneration to bo paid
for attention at confinement.
"The grent fight with tho scourge of
consumption has commenced, nnd thero
has been no 'waiting period' for this
benefit. Sanatoria have been In use In
many counties since last August. Suffer-
ors from the disease, whenever possible,
contrived to be at work when the act
came Into force at tho cud of July, and.
after paying only very 'small sums, ob
talncd entry to these homes for special
treatment.
"We nre now In a position to realize,
the enormous Influence which tho mcas
ure will have on tho domestic life of the
nation, and also to tabulate tho "numbers
In the respective approved societies. The
fear, expressed by many prominent poll
tlclans, that a largo proportion of the
people would be deposit contributors un
der the act, without any real Insurance
safeguard, has proved to tie groundless.
When the figures nre made public lt
will be found that only about 400,000
persons are outside the approved societies
which undertake to glvo the scheduled
benefits.
I'ostoffler ns n Factor.
"The postofflce depositor Is, of course,
only tho result of the granting of com
plete self-government to these various
societies. They claim free selection of
membors, and, as all Insured contributors
have free choice of society, thero must be
a suitable provision for the balance of the
workers. The postofflce was chosen be
cause It Is a state machine to hand. The
deposit contributors contain the best
and the worst of the weekly wage
earners. The Independent workman who
dislikes all unions and who Is opposed
to state Insurance In any form may de
cline to enroll himself In a society; but
ho Is a very good risk from tho medical
point of view. In 'fact, the bulk of the
deposit contributors are now found to
bo domcstlo. nervants and agricultural
laborers, who belong to the healthier
portion of the community. The rejects
of the various societies must necessarily
bo In. this section; but I am not over
stating lt when I assert that, taking this
entire group, It will be found to be, on
tho average, nearly as good as those
In the various societies.
"The only benefits to which this group
Is entitled are. such us can be purchased
by the monoy actually subscribed on
their account. They lose any guarantee
of support from their fellow workers.
A strict definition of tho difference be
tween the employed persons who are In
nnd those outside approved societies
would be that the latter simply loso tho
benefit of combination, but the same
payments aro made on their behalf.
Approved Societies,
"Tho approved societies which have been
formed may bo reviewed In four groups.
"1. Tho old friendly orders, the chief of
which aro tho Manchester Unity of Odd
Fellows, the Foresters, the Hearts of Oak
nnd the Rcchabftes.
"3. Tho Industrial life assurance socio
tics und companies. The moro conspicu
ous are tho Prudential, the National
Amalgamated, and the Victoria Lcgnl. .
"3. The trades unions.
"4. Miscellaneous. This group Includes
the Dividing socloties, the National De
posit, the Holloway societies and special
groups, such as 'Domestic Servants,'
'Jewish,' 'Catholic,' 'Temperance,' 'Wes
leyan,' etc,"
The Persistent and Judicious Use of
Newspaper Advertising la the Road' x
Uusiness Success.
LABOR MEN TO SOLICIT
FUNDS FOR NEW TEMPLE
Tho laboring men of Omaha have
started a movement to erect a temple
and they have issued the following appeal
to tho business men of tho city:
Every employer of labor in the city of
Omaha has un opportunity now of doing
something in a real way ror organized
labor. You have always talked and said
In tho smoothest way that you wanted
to help better the conditions of labor
and assist in uplifting labor. Now, If
you want to help In the real way, put
your shoulder to tho wheel and assist in
building the greatest monument to labor
In Omaha, tho Union Labor temple, to
he orected at a cost of not less than 00,.
OlO. It will be seen by almost every vis
itor to Omaha and will show what Omaha
really Intends to do.
The bulldlug will he four stories high
and will contain halls for the various
meetings, reading rooms, billiard rooms,
bathrooms and all modern conveniences,
and will be truly a worklngmun's club.
The men In the unions are to contribute
one-halt und the balance is expected from
the merchants and the employers of
labor. This cause should nave the rinan- i
clal support of everyone In Omaha who J
Is able to contribute. It Is endorsed by 1
nearly all tho unions, the Commercial ,
club, the Ad club and many other Omaha
public clubs, and when the committee 1
como to seo you, oien jour iiura.
strings and help this project along.
j. T. Brlllhart is the authorized repre
bentattve to rocelve subscriptions for the
same.
Callforntn Wuinnn Serlonnly Alarmed
"A short time ago I contracted a se
vere cold which settled on my lungs and
caused me a great deal of annoyance.. I
would have bad coughing spellB and my
lungs were so sore and Inflamed I began
to be seriously alarmed, A friend rec
ommended Chamberlain's Cough Rem
edy, saying he had used It for years. I
bought a bottle and lt relieved my cough
tho first night and" In a week 1 was rid
of the eold and norenewi of my lungs."
writes MUs Marie Gerber. Sawtelle. Cal.
For i&lo by all dealers. Advertisement
Persistent Advertising is the Hoad to
VUi lie turn. '
Vt I nationally)
VfflFIDEUTYC Iky
PREMIUMS.
December 31, 1912
$184,000.00
December 31, 1911
$159,973.43
Decembor 31, 1910
$122,518.54
Decembor 31, 1909 ,
$103,430.44
December 31, 1903
$30,793.03
December 31, 1907
$1,776.00
Accident, Fidelity, Surety
Bonds, Plate Glass,
Burglary.
I Jay D. Foster
Kmm v -Wi -rr. wm Rll K fffM
rosier-oarKer uompany
Successors to
H. E. Palmer Son & Co.
Accident Health Insurance
LIBERAL CONTRACTS
Losses adjusted by us oight here
in
Brandeis Bldg.
WA1TIB A. YOITBON
B. L. BALDWIN & CO.
Established 1891.
C09-10 Tlrst KaUonal QEITEBAX,
Wheeler &
BEIUBLE
OF ALL
1011 Dodge Strset.
MARTIN BROS. & CO.
GENERAL
BARKER BLK
IITSUKANCE BATES ARE I, A II O ELY
Seo Mo I adjust losses.
GENERAL INSURANCE
1313-14 OXTY NATIONAL BANK BUTDDINCt. jj. 1703.
boost rem oiu-ia
The Columbia Fire Underwriters
or onrtraA
Home Offices Entire Third Floor Merchants National Bank Building,
1'liono lionelas451.
S. O. 2almag"e, Manager.
B A L D R I G E
GENERAL
Phone Done. 300.
.
-INSURANCE-
FIRE TORNADO AUTOMOBILE PLATE GLASS HOII.KR
BURGLARY HEALTH and ACCIDENT
ALFRED C KENNEDY
"00 First Xnt'l Bank Bhlff. Thono Douglas 722.
"LION" BONDS
Are worth 100 cents on the dollar.
It coBta you no more to cover your
employes with a dependable bond
than It does with a questionable one.
Our Bonds are Free From Technical Phrases.
Lion Bonding & Surety Co.
W. O. W. Bldg. Phone Do'uglas 678.
v
I Insurance, In
!
I Webster,
'Phons, Douglas 970. -i-
J. H. Mithen Go.
INC. "
021-1 om NATIONAL I
nAXK num. J
Surety Bonus, Kmployers' Lin
Mllty, Automobile liability,
lltirglnry, Plato Glnss.
Good Opening For Producers
CONTINENTAL
CASUALTY COMPANY
Largest exclusive Health nnd
Accident company In the United
States
li K W I S V. 'o It U SI ,
District Manager.
oil Pnxton Tllock.
Joseph Barker
Omaha.
Phone Doi
W. LEHOT WH.0O3S
nrBUBAWCE Telephone Uoug. 371
Welpton Co,
INSETS AUCE
KIKES
Phone Douglas IBS.
INSURANCE
TEL. DOUG. 735
THE SAME, BUT THEBE IS A HIT.
21. D. Lease, Assistant Managor.
- MADDEN CO.
INSURANCE
Bee Bulldlnir.
J
,
All Its Branches I
AT 5
Howard Co. $
-:- -!- .;. 335 Be6 Bide. I
INSURANCE
29
II w
N
is
(
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