The Helena independent. [volume] (Helena, Mont.) 1875-1943, 1892-05-15
CARTWRIGHT INSURANCE CASE.
of the New York Life and the
Northwestern Companies.

Ia AL EAfVI2 = wv IA -
following notice;
NORTHWESTERN poLtoIEs--rI.AusE 5,
III the said insured becomes hAbituslly inten
perate. "a either to impair heath. or induce dc
lirium tremens, then, and in either such case, tn
policy, and thereupon shall DO dissolved from a
liabilities upon the same. except only that
shall DAY tho amount of the reserve. compute
state Of Wisconsin if this policy be surrendere
in the lifetime Of the injured and within ono yea
from the cancellation OF the same
According to clause b tho helpless policy holde
is 1T the mercy Of the company 1t all times,.A ~ ]
clearly reserves thu right to cancel the policy .
ofy ,h nI psli esq hold deh' and under GssAl iust Tho i o.
protection most. is this life insurance?
1t WAS a ~disreputsble method of meeting
competition, in that the ''olauss So quoted
WAS not genuine. The following is tn,
''clause 81 in the Northwestern policy:
CLAUSE 5 IN THE NORTHWESTERN POLICY.
II within five years from the dtte hereof, tn,
said insured becomes hahitually incorporate. oil
go far intemper.te IS to induce deliriun
may. within said five, years, but during his life
time, cancel this policy, and thereupon shall ~
absoived from al, liability upon the same, OK
serve computed according to the now existine
standard Of the state Of Wisconsin, II this
policy be surrendered in the lifetime OF the IN,
sllred and within one year from the cancellation
of same.
In conformity with this clause, if = per
son who takes out a policy with this North
western becomes %habitually incorporate.
the company has the right in five years to
cancel the policy, but pays tho amount of
the reserve to the insured.
How different is this method Of the New
York Life. The helpless policy holder is
not only At the mercy Of that company. but
after the death of the insured it strives to
rob the widow onthe plea that her husband
r-~r $50 ga Sn- -
statement, but il proven by q case that has
been tried in the district court this week.
Mrs. Lizzie Cartwright brought suit against
the New York Life Insurance company for
the payment OF a policy Of S2.50 on the
life Of her husband. The following is one
of the answers by the company to the COM
plant, taken from the files Of the court:
TN THE DISTRICT COURT OF THE FIRST
i judicial district Of the state Of Montana, in
and for the county Of Lewis and Clarke.
Lizzie Cartwright, plaintiff, Us. New York Life
Insurance company. defendant.
In above cause comes the defendant and leave
Of court being first had and obtained, amends
its answer herein BY the insertion Of the follow
as follows: And for further answer this defend-
ant AYERS that it is informed and believes. and
therefore charges that on or about the 10th day
tanned from said Fred Y. Wilson u blank form
of application for insurance. which said form
t Hss s nitsa us aas ahl tt to sf BE- for rsaurNalh By s ssid wiz /,
son to this defendant. That afterwards, to-wit:
Said Cartwright went TO the office Of, Or. s. g.
lied medical examiner for defendant, Of al ap-
plicants in the said city Of Helena. and county
Of Lewis and Clarke. for life insurance.; and
as to lis health and to Ills habits ii life, especially
as to his habits of drinking Intoxicating liquors.
and that in said examination, among other ques-
tions asked by said medical examiner was the
following: Are your habits at the present time
and have they always been sober and temperate!"
That in answer to said question the SAID Cart
wright said Yes"
Said Cartwright was also asked the following
questions: 10 what extent do you use intoxi-
eating drinks as a BEVERAGE. Said in answer to
was also asked BY said medical examiner, IF SO.
to what extent average, quantity each !day?'
Stated Three drinks Ike, a day but have quit en-
and there, knowing that he was not a man Of
temperate ha its, but was addicted to the use Of
liquor, and almost. constantly under the in
animation and the statements in answer to said
questions propounded BY said medical examiner
were understood BY and between said Cartwright
ton Of said Cartwright, for life Insurance. That
according to the rules and regulations Of the de-
PENDANT company said medical examination and
the questions propounded by said medical ex-
aminer, were to form a part of said application
for insurance.
Let every honest man read "Clause 5" in
the Northwestern policy, then tho answer
by the New York Life in the Cartwright
case, and decide whether it is better to do
business with a companv that goes to the
insured while alive. and within five years.
and pays him the full amount of the legal
reserve, if he is habitually Incorporate, or
with one that waits until the insured is
dead, and then tries to keep the widow out
of her rights7 w. E. PHILLIPS.
When you want furniture of all kinds in the
latest style and finish call and see G. FL. Taylor
d Co.. l15 Broadway.
Mrs. Anna Karstedt's. midwife, No. 2O3
N. Rodney services can be had on the
shortest possible notice. -&.-
Samuel X. Davis Special
INVESTMENT STOCKS.
Bald B~utte-small lots-100, $50, 1926.
Bald Butte-larRe lots-5,0W shares.
Bi-Metallio Extension-small lot-15O
shares.
Bi-Metallio E1tension-large lot-5,000
shares.
Combination. 100000 shares.
Cumberland (Castle), 1000 to 5000 shares.
Iron Mountain, 10000 shares.
Helena and Victor, 500 to 1000 shares.
Poorman, 500 and 1000 shares.
Any of these lots will do to buy. Enquire
for prices at
Rooms 26 and 81. Bailey block.
The entire Brunell stock OF dry goods
and notions has been removed to No. 0
Main street, four doors above Parchen's
drug store, The entire stock must be sold
before June 1 at prices at less than fifty
cents ON the dollar.
Foster kid gloves at The Bee Hive thi week
only u rs.