The Helena independent. [volume] (Helena, Mont.) 1875-1943, 1892-05-14
CARTWRIGHT INSURANCE CASE.

~ 8H
Methods ~ tho New York Iifs and tie
Northwestern Companies.
About u month nRo the agents of tho New
YORK Life Insurance company paid for the
insertion in papers NIL over Montana Of tho
following notice.
oRTiiwEsrEAH poItGfas-GLAUsE 3.
~ tfle s@id insnred becomes habituaiiy Intem-
Isrr s! ~ sithsr 70 impaIr health, or induce
the o'nphny may. during lia Lifetime, cancel this
R f;ohiyn ana thsreupon shall hs absolyed from NJ
s sa1ll1 n.s II, hhpe % a the . " ~ exe.p, oaly that Y
s I. ~ # Wisconsin + t!is policy % anE5saao,ad
year from tho cnncsIIntiou Of tie same
According to clause i the helpless policy holder
u ~ ne mercy If the company at al times ~ y
my time, under conditions without tho consent
q Ihe policy holder, and under Just the condi-
p p"as Thar n tns t.mil Il y,h e t He 4 ias,Sl. hola'r ne'ds
II was 4 disreputnble method OF meeting
competition, in that the '%'clause b. quoted
was not genuine. The following IL the
"clause g. in she Northweste. II policy:
CLAUDE 8 IN THE NORTHWESTERN POLICY.
II within five years from the date hereof. tho
said insured becomes labitually intemIerate, or
70 TAR incorporate ns to induce dellrinm
trenens, then and in either such case the company
may, within said five years, bnt during his life
s,A1t O~AASD tIliSg lol1Vyb MIL LlOEthpUA GllblA LII
absolved from all liability upon the same. OK
cept only that It shall pay the amount OF the r6-
s sesnd eodpp e tb sca st,t. 5, e W Shs nem e 4 this
policy be surrendered in the lifetime OF the in
s94red and within one year from the cancellation
oil same.
In conformity with this %clause, If q per
son who takes out q policy in the North
western becomes habitnally i~utemperate,
the company has the right in five years to
cancel the policy, but pays the amount OF
the reserve to the insured.
How different ia the method Of the New
York Life. The helpless policy holder ia
not only At the mercy Of that company. but
after the death of the insured II strives to
rob the widow on the plea that her husband
was Incorporate. This is not q general
statement, but is proven by a case that hns
been tried IN the district court this week.
the New York Life Insurance company for
the payment Of : policy Of $500 on the
life OF her husband. Tho following is one
Of the answers by the ompany to the COM
plant, taken from the files Of the court:
TN THE DISTRICT COURT OF THE FIRST
and for the county Of Lewis and Clarke.
Insurance company, defendant.
Of court being fret had and obtained, amends
its answer herein BY the insertion Of the follow
I'M. clause in place Of clause II in said answer,
- AAA AOI tui bAlS 0usW0T lHl6 Acl5lA-
ant ayers that It is informed and believes. and
therefore charges that On or about the 10th day
OF January, 1880. said Frank Cartwright oh
t e aa11 Hem ;d sal ~ fEed :, Wii son? 2 blank Lasn?lk form
was Tiled ont and tie same nfterwprds : s i II ~
the said Cartwright, to be forwarded b. sad vii.
son to this defendant. That afterwards, to-wit:
Said Cartwright went to the office Of Dr.. I. G.
BAldwin; vino was then ana there duly author
l rl;a. nsu - ~ aa;a "a iot d Nasan q 81 ap-
Of Lev Il and Nv T Sia far ii1fa ;na ma sou any
was then and there duly examined BY said BALDWIN
IS to his health and to his habits Of life, especially
IS to bis habits Of drinking intoxicating liquors.
.1ons Isheu w sdAu Meulcal examiner WIS Lne