New-York tribune., 1875-10-09
OBSTACLES TO RECOTERLNG LIFE LNsUR-
ANCES.
PAPERS TO BE SIGNED BY RELATIVES OF TIE DEAD
DELAYS IN ASSURANCES OFFICES.
To the EditOr Of The Tribune

PAPERS TO BE SIGNED BY RELATIVES OF THE DEAD
DELAYS IN INsURANCFs OFFICES.
To the Editor Of The Tribune.
SIR: The interest you take IN life insurance
reform may excuse my calling attention through your
columns 20 the routnc and formally mat I'D
our large companies attend the collection OF dcat claims
1 do not now speak of suicide any dlspui'tbe case
where the tone OF the policy itself las forcshadowed
trouble and delay to the claimant but of ordinary in
stances oi liability IN OF these companies 10 sus
tain q claim distinct certificates stuffed VITA minute
questions for claimant, physician, friend, ana Under
taker must he scyeray 70, and the signature "
the officer administering The oath must be aesed by the
Clerk OF Court Of Record. In another company hfh
form s added-for the Clergyman conducting he funeral
The childish ninutp of tie inquiries might easily
be tolerated if they only developed original knowledge
But what signifies IL ask the under tier When the
deceased was born, and what he died 0i, seeibH
ne must generally ask the beneficiary and The
doctor they being also specifically sworn 10 these
pontal AnalyzHg set OF blanks found - points
raised OF which, however, only 30 were original, and
some Of these seemed frivolous, If not stupid. These
complicated forms, whatever they are intended for
must in many traps TO catch clerical e
rors They are the unjust OF delay after all ma
terla facts are ready suppose that In most cases.
when insurer dies, It is surprise TO MS family To
meet this array forms He perhaps, never knew Just
what legacy OF this sort he leave perhaps never
motives might be misunderstood See what trouble
then may come r0m the prOtracted absence Of one Of
the parsons wlo not thought 10 be needed, from
miscarriage of letters informal execution Of papers al
distance &c OF course the plausible excuse for these
complicated challenges II, that the companies must
protect themselves against fraud To tins answer;
l. The protection II this process Is all, is imperfect
The WIG VIII swear 10 one Ile. VIII swear 10 tl
and find others 20 help him And We Know now the
ug;afia Office has been politically denaSed I'm ts Slatc
FOR nstanCej, and that Acknowledgements are 9lteh
gnOTanty, sometimes eTlmmaI!y' takeh :. II IF
not all tine companies tbat are mus Troublesome
10 their claimants MY experience III collecting recently
for family OF deceased friend brought NE IN con
tact with three one OF Jeih bostoii eoill'hs
sented here, required only the attending phy sc!ai
affidavit From tie srps'3io aren't i eau & VI, s.' s m
found the other rubbish IN S. "Hc ne tooh mn 5 e', y.
had promptly eeced it. u seems thit 20 III Ia,uts
in the good character OF their insurers established when
hev are applicants. In all conscience enough e asked
then 20 Tie physical condition and history OI tic mali
Let Do be as clearly SHOWN tht Ne Is ectlt;
and honorable. What riht has one OF dnoIhe sort 20 e
ict ,rou thc famcs OF his associatcs burden of
proving when they come TO collect that they are not
scallawags 4. is II necessary 70 nave cstlFoh sys
tens II we admit the pT0reIy Ol minute qaes1SIA IN
the case remote I1sk or snort DURATION what snail bt
said az those who have been in and out for years under
the eyes of officers "a whom they nave been hohuriny
known, paying up IN premiums, II hlIy ne be
pect common sense in here; bat
these companies concluded all under SIN
over on receiving notices that the proofs were accpted
but when payday came l waited IN one Office some
desk to desk perhaps TO keep the noble army or clerks
busy perhaps play them on on one another, under
that systen disst kept up toward clients am sure
that Ncw-YOrk merchant or banker or broker would
have dispatched the necessary work IN hall the time In
another large company my check delivered on the
due day the death claims clerk, but thaJ august per
sonaSe had locked II UP and walked OF about 20cock
wac 10 wait half hour before learning That he
WOnd not back that day. What u the effect Oi AT TINS
upCu at class 10 whose lot IL s apt 70 faI To make
ls14fHitauslyl these cOllectiOBsf don't believe We
make Hrsclass cauyassers for insurance hy own app'-
fite has not wheted for the article as il IL now
served IN Il Is easy attribute the waning popularity
of life policies 10 the depression Of the tunes. would
lav a little Of II 10 more removable causes. A. l. c.
Ner- York. Sept. 80, l-I1