Essex County herald. [volume] (Guildhall, Vt.) 1873-1964, 1879-10-31

Were not written TO obtain pay for an
answer. ! see that the editorial
entitled, "All we ask isl to beletalone,"
which you so kindly furnish me, is not
Just what ii was represented to me to
be, but yet in my opinion the relation
of an agent and medical examiner to
the company was not well understood,
or the general principlesof the business.
But it also shows that the Editors
ideal for drawing fancy pictures is the
hest. Perhaps for the purposes of
explaining this relation, and to put
your readers on their guard against the
pit falls you mention, and few other
things, another letter from me may
be excusable. Although have often
thought that earnings against believ-
ing the wonderful stories told, i'm all |
kipls of business, of getting something's
for nothing, was lost time, as very
many appear to enjoy being hum
| buged. Now in relation to the use of
| liquor which you name, and with the
knowledge of the agent supposing
you (the company had taken the pre-
caution to ask questions about it, haves
the applicant answer the same and
sign contract containing the answers,
and also in substance, that he did not
use it, and if he ever did and died from.
the effects of its use all should be for
feited that lie knows that false state,
ments violate the contract that he
knows that all contracts are made by
yOu that no Other party (this you see
includes every one, agent and alb has
any right to make any agreement
binding on you that no party has
any right to collect money for you An
less they have receipt signed by you !;
and that he has carefully read the
contract and questions and answers,
f and then you leave copy of the same
with the insured, and he was fool
enough to continue payments with all
these things before him, who should
be the loser 10y his violation of con-
, tract? and would the agents knowl-
edge and taking the money, keeping
= this knowledge from you, make you
: any more liable Now if you had
9 also taken the precaution, so to avoid
trouble, and had a third party, at your
expense see if he could see any thing
p wrong, and he does or does not deceive
q you, does it change the contract, OF
Y make you more liable than you would
. have been without the employment OF
a the third party (the Dr. In relation
: to the companies writing to avoid
S trouble on these cases during an
: experience Of about Is years of the
q business, have known them often tc
I request their agents to inform them OF
o any of the cases mentioned. But al
= to the agents doing it, and thereby
q losing their commission on the pay
Y ment, is another thing but believe
e them to average as to honesty will
i mankind generally. In relation tc
e the public or an individual knowing
d the inside workings, management and
u standing, his opportunity for this knowl
- edge, is beyond that of GRy other business
d as but few other corporations are ex
:. amined, outside of its Office and direct
> Ors, by but one or two persons; while
, reinsurance Companies are subiec
4 to examination by almost every state
e in which they do business in, which
II examinations are published and car
Is be seen by any one. Advice: In any
n trade, made by written or printed
d contract, do not take the talk of any
y enc. In insuring, read the eempanie
. rules, application, policy, ETC., as they
/ are not alike in different companies
and you should get the best, ant
} understand 1t. Then some old com
= panies do not have marble palaces
If which pay them but little or no gp
IS come, nor do they pay their Presiden
n $4,000 to 100000 salary. Finally Mr.
q Editor l 40 not suppose all you
/ readers or perhaps you will agree will
= all my views, but if it should save on
!. from trouble it will not be lost.
>, - Yours Truly,
n E. E. SARGENT.