The great West. [volume] (St. Paul, Minn.) 1889-18??, 1889-11-29

the net saving is $471, 900, an aver
age Of $4,000 a year. What has
been done here on a small scale can
easily be increased by proper effort,
and we propose to make it. Help us.
FIRE.
Though only in operation eighteen
months, the fire department., con-
Quoted as the farm department of the
Fidelity Insurance Company, has met
with gratifying results, and is now
one of the most popular and best
patronized companies in the State.
We have a capital of 500, 900 which
it is intended to enlarge to 100000
before January 1st., 1889, to enable
us to carry our business into other
States, as we are urged to do. Our
plan, which is to charge the lowest
standard rate, with one-half the pre-
MUM in cash, and balance in one and
two years without interest, allowing
10 per cent. only on our stock, and
dividing profits with policy-holders,
gives our members safe insurance at
actual and necessary cost. The loss
es have been severe this year, on &C
count OF the great prairie fires in
April, but wehave easily and prompt
ly settled and paid in full, and at a
nominal cost, less than 10 per cent.
OF income from expenses, other than
losses and commissions to agents.
At first, loan companies hesitated to
accept our policies as collateral, but
that difficulty is now fully overcome,
and we are also arranging for loan
company OF our own, to loan money
to our farmers at a lower rate than
they now pay, and expect to have it
in operation ere long.
Our life department, authorized at
the last annual session, has material
lied handsomely, in the shape of the
Alliance Aid Association. A purely
mutual company, on the assessment
plan. 1t has met with great favor
wherever introduced, and has been
officially endorsed and adopted by
National Alliance, and the State
Alliance at their annual meeting, or
by executive action, in Minnesota,
Kansas, Nebraska and Washington,
and we hope to secure it's adoption
by the National Farmers and Labor
ers' Union at St. Louis. There have
been no deaths yet, although our
first policies were issued May 18th,
over six months ago, consequently
no assessments. We only assess at
a death, limit expenses to 10 per cent.
OF income and provide 16 per cent.
fund for security Of persist
ent membrrs. Insure men and women
alike, and ask that each and every
one ii you examine the bylaws. and
if approved, take a policy with us.
STATE OF THE WORK.
All departments of our work are
being carried on at the
same Office, and under the same
officers, reduces the expenses to a
minimum. In a rush OF bushes in
any one department., the clerks from
the Others can assist. We have in
PRODUCED and extended our work to
a limited extent to Minnesota and
Iowa, also Washington, and arraing-
ed to place it in large number of
Northwestern States as soon as the
of the law can be COM
piled with, and hope ere another
year, to assist in placing it, Or some
similar plan, in every State where
our order exists, and thus do our
share to help lift one of the heavy
burdens from the shoulders of our
people, and save at least a part of
the hundreds of millions of dollars
expended for insurance in
excess of losses paid.
Resp'y Submitted,
ALONzO WARDALL.
Huron, S. Oak.