Evening journal. [volume] (Wilmington, Del.) 1888-1932, 1891-09-26
MWHoR1ER AN0 HIS INSURANCE
He Has Entered suit Against the New
YORK Mutual Life Inanranca Companx.


York Mutual Life Insurance Company.
Clerk Of the Orphans Court Charles H.
McWhorter has sued the New York MI
tual Life Insurance Cmpany for &400 for
an 1889 policy, and $4,000 on
lost time for insurance He claims
that while he paid for an en-
dowment policy, the company issued
him a straight line policy. He objected
to IL aud was given a fifteen years distri-
button policy. BE is represented by Hon.
Charles B. Lore.
what H. C. Carpenter ssYs.
Henry G. Carpenter, general agent Of
the New York Mutual Life Insurance
Company gave the following version OF
the sffair this morning
"The statement in the Morning News
is all wrong, Il makes 1t appear that we
are as bad as the wild oats men, and
kindred swindlers. Mr.. Mccormick, an
agent of the company, came here from
Philadelphia. He wrote Mr. New horter q
policy in the Mutual Life. l suppose il
was the kind Of policy he asked for. In
cidentally I called at McWhorter's Office
sometime afterwards. not knowing that
he had policy In our company. The
subject Of Insurance was brought up by
me. He said be had already a policy in
the Mutual Life, which he took at the
solicitation of Mr.. Mccormick, friend
of his / asked to see the policy, and
further asked him why, as lived
here and saw him frequently, and Mr..
Mccormick lived in Philadelphia, he did
not give me the application for the insur
ance. His reply was that he did not think
of my being in the business. He knew
Mac, as he called him. He asked him
to take some insurance and he did so.
Afterwards In looking over the policy
inquired of him why he did not take a
6fteeen payment policy instead of the
one he had, which was an ordinary fifteen
years distribution. He said that hs did
not know. He gave no special reason,
but asked me to explain TO
him the difference. 1 told him that
of course in the fifteen payment policy
his payments would cease absolutely ia
e fteen years; that the reserve was
greater, and he would consequently de-
rive larger profit if he should live and
want to use any Of the money himself
/ went into a full explanation and he
asked me If It wers possible to have the
policy changed l told him / would see
ADouI IL anu lou MIN Know IN &
day or two. called again
iu day or two. He said he had not
much time TO think about it, but felt ia.
clined to change the policy. told him !
would call again did so and he said
he would make the change !
told him it would be necessary
for him to make another application
and have another examination. The ap-
plication was made and the policy was
delivered. He was credited for what be
had paid on the FIRST policy, and paid
the difference. which was q
small amount He accepted the policy
and everything seemed to be satisfactory
until another agent at the end Of the
year, in endesvoring to get
him to take policy in his
com pany, by misrepresentation
made Mr.. McWhorter dissatisfied and he
did not pay any further premiums
on it OF course the policy
took the course Of sother policies
he complained to the company
and was offered a regular endowment
policy, but he could not get that
without paying endowment rates. This he
declined to do, and he insisted on an en-
dowmsnt policy at the limited payment
rates. He could not get it and there the
matter has rested since that time. He
has paid no more premiums. OF course
the policy lapsed for non payment OF
premiums.