The Wellington enterprise. [volume] (Wellington, Ohio) 1867-188?, 1882-03-22
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Annual Meeting Of c. MR.. A.

At the annual meeting OF the. Citizens
Mutual Relief Association of Ohio, held
at its principal office, in Wellington, on
Monday, March 18th, all of the old officers
We're reelected for the ensuing year.
Rev. F. H. Moore, who was for three
years Special Agent of the Association,
and during the past year was lis Superin-
tendent of Agents, resigned that Office on
his reelection, and for the present the
Board contemplate the carrying on Of the
agency work through its effective corps of
District Agents already established.
Mr.. F. c. Smith, who has been a valu-
able assistant for nearly three years in the
home office, goes, this week, to take charge
of the Associations Office in Cleveland,
and Mr.. Charles Paul will take his place.
Mr.. Arthur Allyn has made himself q
necessity to the Association through his
faithtulness and efficiency, during the past
four years, as head clerk at the home Office.
The Secretary's seport shows the men,
bership of the Association to be over nine
thousand in good standing, and that since
the organization Of the Association, eight
years ago, it hes paid to the widows and
orphans of deceased members, $362 584 90.
Not one cent of the death assessments
can be touched to meet expenses of any
kind wliatever-not even for the collecting
of the assessments, as the Annual Dues
provide for al expenses of doing the busi-
ness 1t is therefore not to the interest Of
this Association to have death losses, since
it costs the Association over 800, as the
Secretary's report shows, to collect $4,000.
In this the Associations interests and its
members interests are identical. 1t costs
each to have "death losses,' hence the
fewer deaths the better.
This is not the case with Associations
that claim to charge " No Annual Dues Z"
but take in lieu thereof one-fourth of the
amount collected on death assessments.
The interests of such Associations and
that of their members are Numerically
opposed. Such Associations make their
money by death assessments, hence with
them the more deaths the more money,
and they are sorely tempted to welcome
the invalids and the dying. tits certainly
desirable to members that fhe death
fund and the sexpense fund " should be.
kept distinct as it is in the Citizens
Mutual.
<The value of the " District system" and
tits superiority to the scattered member
ship of other Associations is clearly set
forth in the last report of the Secretary.
By its use no deception can be practiced
on the part of member or Association
without detection. No assessments can be
made upon fraudulent claims," NOR can
fraudulent claims" be imposed upon the
Association. Each member knows for
whom he is to pay, for what he pays, and
is assessed upon no loss outside his Dis
trict. The assessments paid do not go out
but remain within the District, to bless
and relieve the wants of the widow and
orphans near our homes.
One of the virtues of the Citizens
Mutual is that it does but one kind of
business, and that is, furnishing honest,
legitimate, straight indemnity at actual
cost. 1t has never sought to decoy men,
bers by "Endowments,". Accidents"
"Joint-life," or "Old Folks Class" These
are but schemes that do shorten the life
and swindle the members of every Asso-
citation that adopts them.
The rapid increase of Associations and
Societies renders II necessary that the pub
lie carefully discriminate between them,
While we have nothing to say against the
various claims they put forth for public
patronage, we would suggest that it is
quite easy to print circulars, with an array
of names of officers, etc, hut it is quite
another thing to make q successful Com
pany or Association.
As in the experience Of old-style Life
Companies, many Associations will be un-
able to establish themselves upon q sound
basis, and the problem will resolve itself
into the survival of the fittest." But be-
cause some Associations do not and will
not succeed, this TACT ought not to affect
the standing of an Association like the
Citizens Mutual of Wellington, which is
thoroughly established and conducted
upon sound business principles, and en-
rolls among its members majority of the
best professional and business men of the
Reserve" Such backing is very good
guarantee of its permanenee. Indeed,
with proper management and its present
plan OF working, the Association must be
much stronger years hence than now.