The New Orleans daily Democrat. [volume] (New Orleans, La.) 1877-1880, 1877-10-16
Copies Of Applications should he Attached
to All Life Policies.

From several reports of cases In life insur-
ance recently adjudicated by the courts, as well
knowledge. wherein certain life insurance com :
ganies have pail to benefcisries far less than
ing tace o. ,heir POLICY OBJ gatons II
their guard against a practice wnc6 we hope Is
~ yet confined 10 u small number of so-called
The application cons flutes the proposal to
purchase life insurance upon certain condi-
tions as to time rate. etc. published by the
company. and certain other conditions as to
age. health, occupation. residence, etc. rs they
relate to the individual subject of the insurance
and are detailed IN answers 10 queries pro-
pounded by the insurance company to the ap-
The policy granted after mature examination
Of this application and the report of the med
ical examiner of the comnany constitutes its
OBLIGATION to pay pravided is conditions are
only make the conditions and agre m ants as
expressed in the policy subiec OF careful
study before he accepts II, bu, he should also
OF the questions and answers upon which 1t was
granted,,, Some. perhaps all the Older and
iarger life. insurance companies. furnish for
the convenience of policy holders copy of the
application upon the same sheet as the policy.
so that # at any time the applicant acquires u
his &c an 1" Of he Of e
plication desirable. he can, while still alive and
paving premiums ask for the proper change
company. rs they usually are II not radical.
estop It from obleeting to the original answers
alter the policy becomes n claim by DEATH We
are prepared to show that ii will be not only
Just and right for beneflciaries who are not
thus voluntarily furnished by the companies
their policies We're granted. to apply for and
revise then, but that 1t Is an imperative duty
to do So quite IA important as 1t would be to
remove any possible legal cloud upon real es-
tate that they expect to leave their SUGGESTIONS.
Some companies perhaps. may refuse to COM
ply with request for eopy of the application,
as one at least has ready done; but it Is to be
hoped the number so refusing will be very
small as the premium payer is clearly entitled
to have it.
The company has both parts of the contract
in its possession; and the assurant who pays
the money unon which it lives and sells insur-
an 70 Is equally entitled to them. We therefore
say to all policy holders, exam ne your policies
and see whether you have copies OF your appli-
cations affixed to them, and ii you have them
not, then send for them and If necessary cor
rect them before the policy bee mes claim by
death and the company has the opportunity 90
DICK flaw" In the aDpli alton and submit
rufnous compromise as an alternative for an
expensive and tedious law suit.
II Is very true that the courts have not sus-
tanned TINS variety OF enterprise on the part of
sShe very lew companies that have tried 1t, but
still widows and orphans do not like law su IT,
especially when they have to go to some distant
citv to bring an action.
Generally they have no money and no friends
in these ito tham) far-of PLACES. and so they
are in their extremity compelled to take 20 per
cent. 80 Der cent or so par cent of their lust
claim. rather than assert 1t by suit
All who have no copies OF their applications
alta he'd to their policies shou d send and get
them without DELAY. and then thoughtf,lllv
amend them if needful.