The Irish standard. [volume] (Minneapolis, Minn. ;) 1886-1920, 1891-11-21


.faultdnders. disturbers and disorgan.
hers. These, rather than the insurance
feature, are some Of the causes that
stand in the way Of the greater progress
of the Order.
As to Mr.. Hanley's second PROPOSE
ton, that because the major portion Of
his division absolutely refuse to have
anything more to do with the insurance"
it is therefore not success, is not we'll
founded. IF his division and half
dozen others with it should disband at
once, it would. be no proof that the
insurance feature throughout the state
is not a success. If his proposition
proves anything, it proves only that the
members of that division deliberately
break the pledge they make when they
promised to obey, support and be gov
erned by the constitution and bylaws
of the order. If I were one Of the
thirty FIVE mem bers in good standing in
that division would be pleased to see
the other one hundred and forty leave
it, for if there were no insurance to
find fault with the probabilities are that
there would be something else to find
fault with.
He gives the following reasons why
some of the members Of his division
refuse to keep up the insurance, and l
presume he considers them good reasons,
else he would not reproduce them:
"lst, it is too expensive for the amount
the beneficiary receives; End. it is sup
posed to pay 81. 900, when as matter of
faact it pays only $3.50 to $500; Srd, they
consider that a diHerential rate should
apply to the younger men and larger
rate to older members; 4th, that the
most pronounced reason is the sus-
piclon with which they regard the sta
bility of the whole feature of insur-
ance''. Apparently very we1ghty argu-
ments, bus an examination will show
they are not. First, is the insurance too
expensive for the amount received by
the beneficiary? The insurance feature
was established in June, 1885, though it
was not placed ON a proper working
basis till the convention of 1888. Up
to date there are Sc death assessments,
in period Of six and One-half years.
Assuming that the last member whose
death is reported--Patrick Farrell,
assessment Sc was member from the
founding Of the insurance, he would
have paid during the SIX years $27.5O
in assessments, and So in semi-annual
dues. His beneficiary will receive an
amount ranging between $3.50 and $500,
nearly 200 per cent on the Investment.
Expensive insurance isn't 1t? VIII Mr..
Hanley name some insurance company
either cold line'' or cooperation, with
the STAMP Of time and experience on
it's face" or elsewhere, that can show
better results than the above? End,
"It is supposed to pay $1,000" &c.
Supposed bY whom, and on what au-
thority? Does not the constitution and
each policy or certificate distinctiyely
state that the beneficiary shall receive
an amount equal to SO cents assessment
per capita on the members ia good
standing? Now, if so cent assessment
amounts at the present time to about
$500 and no more, where should the
other $40O be supposed" to come
from? 1t seems 10 me that those who
think the insurance too expensive now
for the amount received by the bene-
6ciary would not consider it less expen-
sive by doubling the assessment in order
that the beneficiary might receive $1,000.
Bird. AS to an assessment graded &C
cording to age, that is a matter up0n
which three conventions have passed
and decided to let it stand as it IS, for
the reason that the difference in cost
to the younger men would be only a
triae, while change would complicate
and cucumber the work of each insur
ance secretary. and the account with
each member. Whether the arrange
ment is faulty or not, members who
are jealous for the good OF the Order
will accept the work Of the convention.
for 1t is an expression of the will Of the
majority. 4th. It is quite natural that
those who seek to abolish the insurance,
and imperceptibly come to
entertain suspicious OF its stability.
Neither a kingdom nor a society can
be stable if the members OF it's own
household are bent on it's destruction.
The way to make the insurance stable
is to stand by it and make it stable.
Even If it should be discontinued at
any time within the immediate or re-
mote future, I consider the protection
received from day to day while it does
exist ample compensation for it's cost.
The Order is at most but sentiment,
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