The Helena independent. [volume] (Helena, Mont.) 1875-1943, 1892-08-28

Their Own Signatures, and Bankers Var
dict, fully c0rrokOrate the claim 10 make
for supsriority; and these toGethsf with
. saa sompasison n;n ~ s sins' sas soss ~
prove conclnsively that tbs dividsnd-pAying
record Of tls Northwestern cannot 30
equallod by any company In the world.
Please note that al our documents bear the
imprint OF our COMPANY or the author; and
IN addition give names Of policy. hold
era, numbers, dates, ste, Of policies 20
they can oasily be verified II desired. We
deny that il 10 possible FOR any COMPANY. to
produce the record of two exactly similar
| policies showing their dividends arc equal
10 or larger than ours" II, therefore,. (as
was the faot) Northwestern tontins results
exceeded the estimates OF aRen to in 1871,
what has happened that such policies in the
| Northwestern are not safe and profit
able" but ''delusivs" IN 1897, especially in
view Of tho fact that the tsA-year confines
maturing in 1892 show even . better surplus
than those maturing in 1891? Answer: N.
X. Brundage has left the Northwestern.
Mr.. Brundsge has labored and labored to
try and mako the people of Montana be-
lievs that dividends to p~olioyholders In the
Northwestern are running down. IN AZ
has used methods and ratios and tables dis
crsditahls to aRy honest man or any honest
which every Northwestern polio holde In
the world knows, and will arise and testify
to the falseness. OF. Soc what Mr.. Rrun-
dags himself said on June 50, 1891. in . let
Yer TO Fred. A. Stevens, Of Blackfoot,
Idaho; .The various daily results being
a steady Improvements for the
policy holders and add strength to their
protection. We are much gratlfied by the
high compliments being paid rs BY old
policy holders, n feel more assured than
ever that you. among thousands OF new
~ a ~, knrs uslI rpn- Ao lila n, vn1iAv hAk-
ter and better "a it arrows older. While
some Of our competitors are having diff
Guilty in explaining tho ~shrinkage of divi-
dends and surplus (Which really regulates
the cost Of in%surance) tho conservative
management Of the Northwestern permits
in both dividends and surplus" The.North-
western is doing = larger business thai
ever; its dividends to policy holders are in
creasinR everywhere, mi it, surplus shows
a steadier and healthier increase than any
other company in the world. This Ques-
happened to the Northwestern since June
80, 1891? Answer: Al. K. Brundage has
left ii.
Or course Mr.. Brundaoe and his company
are fighting semi tontine investment insur-
ance because they do not sell that kind OF
goods. Semi-tontine insurance as written
by the Northwestern Mutual Life Insurance
company has been called the perfection of
life insurance." It furnishes the same solid
idemnity together with an investment, not
egualed under any other policy by any
other company. Within a short time a
number of large tontine policies have been
settled by the Northwestern. md We have
been able to secure several letters from
parties, who are men ~welleknown in their
communities showing exactly what results
the Northwestern gave them under their
ten years. tontine policies just settled:
B. F. Moore. of the Fond du Lac National
bank, Fond du Lac, Wis. writes:
FoND Du LAC, Wis, Oct. 10, 1891.
s. D. Wyatt, Agent N. W. Nj. Lie lnsur-
ance Co., City: Dear Sir-On Oct. "A, 1881,
I applied to ths "Northwestsrn" through
you agency for two policies of $4,000 each,
ordinary life, ten-year ~tontine, the pre-
miums on both amounting to $780, 40. my
age being then 81. On Oct. Il, 1891, (last
Wednesday, having considered several op-
lions of settlement offered me- by tho COM
pany I accepted the offer of cash surplus of
81. 4993. IS.
/ might have received an additional
amount,in cash of 50. 294. 70 (ths ressrve),
bat | preferred to take simply my surplus,
and continue my $4,000 with the company,
annual d%ividsnds. l desire to express my
entire satisfaction with the result OF these
policies and my dealings with the company.
Under exactly similar insurance of
$4,000 the Equitable offered = dividend of
50. 0O5.3 or 81, 1862 IS less than the above
Northwestern was $154.O0 less.
tsipned] 3. +. MOORE.
J. Q. Charles, of Denver. Col, writes
thus:
DENVER, Colo, Aug. 16, 1892.
Oliver Williams, e. A. Northwestern
Mutual Life ms. Co. Dear Sir: On the 7th
of June, 1882. your company issued to me
an nrGirorv lifo rn1icv for GC0 00n thu IN
nual premium being $1,535, on tho ton
years. tontine plan. On the 7th of June,
1892, lend of tontine period) l chose the
option Of taking my surplus in cash n
continuing my policy. The cash surplus
paid me was $7,949.29. / certainly am very
satisfaction in all dealings with the COM
pany and your ofice. The surplus paid me
is much larger than I have ever known paid
by any other company under a similar
policy. and is large as I was given any rea-
son TO expect it would be.
western as worthy the entire confidence Of
any man seeking sound and profitable in
suranos (SiRnsd.) j. Q. CHARLES.
The Equitable. under an exactly similar
policy, pays in surplus this year "a, 62A. go,
Sc, 324.6 SO less than the above settlement. 1t
will pay every man interest to read each of
foregoing letters. Mr.. Charles il one of
uAo DSoS AAOVA ~ VAO y
Mountains. and Mr.. Moore is a we'll known
banker of Foe du Lac, Wis. These gentle
mon ought to know more about what tom
tine insurance is. and what it has lone for
them, than rival agents whose companies
do not issue that kind OF insurance. It il
evident that these policy holders who have
just settled with the Northwestern do not
think their policies were anything like
south sea bubbles" We have Mr.. Brund-
ages own statement for the fact that the
''Surplus' paid is from 5 per cent to II per
cent larger than that estimated by agents
ten years before, and it is a fact that the
"reserve' offered under Mr.. Charles policy
was $155.80 more than that guaranteed in
in the policy.
If. therefore. the "surplus" was larger
than was expected or estimated.
and the guaranteed reserve" is
larger than WAS guaranteed, and there
policyholders expressed their unqualified
appreciation of the Northwestern and its
tontine settlements, it would seem that the
people of Montana might take the word of
these policyholders before that of a rival
agent, who, of course, is expected for the
sake of business to do all he can to sell his
own company's goods, but not run down
the goods OF a competitOr-it don't work.
The people of Montana know what tho
Northwestern IT,. Many of them who used
to live further east are acquainted with its
officers and know that no company in the
wor q Is sounder or more honorably and
economically managed. The Northwestern
to-day is doing the largest business of any
company in Montana, and the more agents
Of other companies traduce it the more
business Northwestern agents seem TO do