davidaulloa/AmericanStories huggingface dataset:
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1894-01-25

. - ,,a Secretary o, -" Association reported
A., dur,ng 1897 $i3iGisioo Rad beea 'eoeN,u "o
- nd xi,1 3suol from ini1est HI" "'"''
= lI.d TO SO. CSC. :?2. ~ Of net cash o. m
~ -. ,o,, On hand from 1897. made 'o'"l u
" ,' Az - .,ource. From this total should De ''eh
800 49, :, ,i.l,rsoncrts OF which N-o"io' '-' ''P
49,, ,es,h losses paid $50 adVah'" ph'i"'"
, nd 81 3nTic ~ all other d'S"ursen.c"'S' Nv "'
'"''' ',.s salaries advertising ana once 'Ap''S'S
'ae ,. ,..,,s , balance Of net cish OF i''s''u a.
. 80, n,o,,,,nr to 81 o3C 1905 ,-o
'''S 49,, consisting Of loans on mortgages S-'f''-
,' , os,a,e and bonds s'2''-l'll' cas-" III "'''"
49, 80, ~, ,d sI35 a0iDO. and accrued interest," '"o'
go, a,,,,n,s e. flot up $'lsS'id"o
''e' ~ 80. ,onparutivey small. being o"hhh'" I"
i''ho'.'' =, obligations. SGoi. 2S2 IL losses IN proc
4e,, $50 7:O.40. and net present 'aiue OF
ess " -, force Dec. -. 1888. computed 10y 'he NV
al pon'"s recruitment renewable term Insurance
YORK inS' ac,uares' table. II per cent Interest
LOT ,h hv law but voluntarily assumed by .h'S AS
hot 'rpu es, 40. making total of 81 1875 ''"5i'
,r,us over all liabilities is therefor" sho"h '"
DE So 1896 1861 . thu, a. ,oc-o worth = np-
M'' ~ ,s,,rance had been accepted during the year.
p''oa.o - ,oIiccs Of Insurance had been written y
anu =, the number Of policies In fore" AT the end
comi'' ~ oI those the OF 1892 shows an in
o' ' IN o.. in the number Of policies representing
$40. 1879 ... -. l., . -,,sca,. signed
NP -. = pierce. superintendent OF Insurance. au
Getting forth that the net amount Of insurance
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1894-01-25

by the physicians OF the Association as being the same as
those whose names appear the application.
In addition duties mentioned this department mas
full charge Of all foreign applications those from 'ahaua
been exceedingly gratifying and shows large increase IN
the number OF policies written that OF the preeeins
year ,
Applications have be.n received from the following
countries: Great Britain. France Germany. italy, ei-
GUM Sweden Norway and the West Indies The dea'h
rat. in all these has been comparatively small
The special attention Of the department mas Deeh
directed 70 eevating the standard OF the EXAMINATIONS
for admission to Association by selecting at each
polnt where done the most competent and re-
liable physicians examiners When is considered that
there are something like 10000 physicians employed IN
this capacity by Association II will be seen that the
task Is one small magnitude. The progress made
thus far Is satisfactory and Is believed
that It's effect Will be shown diminished death rate
among the policy holders.
In conclusion the aim OF this department Is
TO protect OF the members Of the Associa
ton by exercising Il careful supervision OF the
selection Of risks guarding its treasury from the
attacks Of INSCRIPTIONS persons.
Respectfully submitted.
LOUIS L. SEAMAN. NJ. D., III. B..
Medical Supervisor.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1894-01-25
ATTEMPTS TO COLLECT POLICIES UPON
THE LIVES or MEN WHO ARE
STILL. LIVING

or who were actually dead good dead when the
policies issued. have ceased. II Is pracfi-
cable to these detail and vet IL
not be amiss II briefly allule n few OF them "a
types the classes II fraud are compelled
to encounter and resist and that from them you may
form estinat" 4 the whole.
In dstan; Western city a occupying high
public Office said To have been drowned. Claim
made by his alleged widow tho payment his recently
issued policy II $lOooo and The complete outfit %: his
usual wearing apparel including outer and under gar
ments well hat and shoes loft in tie loat found
drifting liitlc lake which he was known TO
have the day Of his disappearance. seemed
20 his friends leave dot thai no had been drowned
while bathing although. Notwithstanding the lake was
small and comparatively shallow. the body could not
after tho diligcnt search he found investigation
disclosed the fact that before starting the lake
that day the had bought ch'ap OF clothes and
a pair Of brogans, which boat
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1894-01-25
REPORT OF JOHN w. VROOMAN.
TREASURER.

Each recurring anniversary Of the Mutual Reserve Fund
Life Association important period in the busi-
Of Life II proclams 10 the world The
prosperity and permanercy OF system that born
for the and lives for a principle.
An inspection Of its receipts beginning and the
expenditure % those receipts support the widow and
care for the orphan is its best campaign document II
proves by Deeds not words that the Mutual Reserve
confers lasting benefit upon common humanity; and
hence The principle upon which 1t is buGcd commends
the commendation Thoughtful people throughout the
world
Organized in 1851 is Mortuary Gail issued in
October year few score members by President
Edward b. Harper. and return OF -Four Thou
sand Dollars Its last Mortuary Call issued in Dccem
last TO more than Eighty-two Thousand Members by
the same President. ard brought return OF nearly Six
Hundred Thousand Dollars
Near the close Of the year 1851 direction OF
M. sam, President a Reserve Fund OF Thousand
Dollars secured and set aside at the beginning OF
proved be principle evidence OF the
safety security OF its system That Fund under the
continued management the President who founded II.
has increased until 1t naw reaches the OF Three
Million Six Hundred Thousand Dollars.
The growth o Mutual Reserve Fund LIE Assoca-
fon and the good accomplished by II In the short space
Of thirteen years is without parallel In the history OF
Life Insurance II has not been secured by freak OF
fortune nor by the ruin OF any unfortunate This
Vicious growth. this resultant good, h an outcome OF the
unceasng effort. devotion and matches ability
OF that commoner President Edward u. Harper
Inspired b. the large and busy brain OF such
tireess leader coupled with his personal rnasneusm'
ohicer and employe. manager ard agent aike consp"e "
make the Mutual leading growing. SAFE con-
servative institution equaed by few exceed by none
Proud Of its history. confident Of Its future. suom"
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1894-01-25
REPORT OF FREDERICK A. BURN.
HAM, COUNSEL.

tn the President Directors. Officers and Members OF the
Mutual Reserve Fund Life Association:
Centlcnen-The year 1893 has been eventful In
Oh. legal department OF the Association II Is fourth
vcor hat this impor:s department my
lbnrre and as year has relied round completion
or1 I attempt TO review work. l
Imrs w,hthe magnitude OF IN" Interests which have
,n committed 70 care. AMI find impossible within
Tho rlef limits permitted for this convey but
very general and entirely inadequate idea Of what
accomplished.
Az in previous years we have passed upon each death
c,.,, nrcsen.ed amounting than 900 in number
and have certified to the payment Of than So
f anproycd claims Coming these claims do from the
various parts world. where the Association
act. business, written different Languages and governed
hv ,. carving laws OF the respective States and
tries where the policies issued the labor involved
IN their examination and the ascerainment OF the proper
In each receive the money has been ~
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1894-01-25
REPORT on NEREfaL DIRECTOR
.gAVES w. EsOWDEN.

During the p1st three four years the Russian IN
nuena. known la Grippe" widespread In IT'S domain
AID powerful In rcachir~ Lan.fnl influence has
made tremendous devastation in country Despite
the ani physician. the faithful and the foster
ing of d"Ir it c Influences SIN confirm. IN
be- Important factor In III" mortality Of our country
tho having been forced by repeated at
tacks succumb.
Diseases oT respiratory tract the ccua,ory syser,
adding the sen, majority which diseases may or may
not have been acute in their character.
Neither by means has the chapter Of accidental
deaths been small one. but each and every case
BE- death due 10 the Of disease the result
Of acclen-Thc Mutual Reserve Fund Life Association
has G"n careful consideration. and has every
legitimate death claim been paid In full. but nearly
ever" case ia" face Of the policy has been
was actually due according to the policy
To the public whose confidence been reposed I'm liz
owe much for their hearty support and strong nd.
herence OF the earnest eors. untrng fidelity large
of success Of faithful agents managers and
field workers. accord public recognition Finally 10
honorcd President extend personal congratua-
counsel, unswerving friendship and skful man.
nEenient. which have many times ghtencd The duties
~ position. and | voice the sentiments OF asso.
cates In giving expression to the hope that long he
be spared To- ~ well qualified by his mature judy
mcnt our leader and to advise In the dis
charge Of the various duties Of official positions
In this imperfect report have purposey avoided enter
detail knowing full we'll that others better ot,I
fled han will present You facts and figures for con-
sderatlon. and prerIrng rather that Efforts shouI
speak for themselves they appear engraved upon the
volume of the business inrcrhei upon the Of Is,
JAMES W. howDEN
Medical Direction
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1894-01-25
Mutual Reserve Fund Life Associations
NEW HOME,
BROADWAY, Corner Duane Street, NETWORK.

otherwise accounted for Months ~ patent p,N.'',
search followed during which W. were P""''" an
i,,o,, ,.r,,ol for our tcn.rty in daring 20 question
the death If such a prominent upright mar his '"n"
d mot deer us however III" performance 81 ""''
a., had conceived t. BE- duty to IA" lt'inE ""'l'''
=, tho Association anl at last W. WI" rewarded ~
,,di,y no, a corpse or ghost. bur 'h" man "'' am WIN
,,.,.I in an obscure Of another S'a''' ""'N'nb
90 , common ai,orer under assumed name u T. "''"
-, ., .o, that tho clam withdrawn ana u' man
himself only T. glad to 'scap" crFliha' P"' "' ~
the plea that he had wandered away WIN s," ~
800. ,,.rra,t,u IL mind. all cyil'nc" 81 winch now
- ,y,oil,. disappearod soon As the danger "' P""
,sbrnent seemed have passed.
az, matter hoN juN tr resist nee INV ~
,,, ,h. fraud which b. attempted the l'c'
49,, i,,,c. 90 all that strikes III" popular attention.
w., - =, made a handle for attack AMI abuse "'''
-, ,t. officers 81 thcer c,mpsuen nre "'uhiy nom
-. an1 hich-,unlch men. who property app'''''" '"e
or,,..s II their trust and their duty - u''' "''''
,,. hoI,e,s We should hear NOTHING "i contested
80 100, q. Grand field would De open to inoi'fh t''-
calitv." 49,, ms, ocr,l,i con,
4, rho co,c,u.lon u the fourth yea 81 my "'','
-, ,.t.h tho association / cannot hut Ifc'" WIN
,,., ,,,, In, one has in all Of tha' TIME ''"
.,f1 .,,,nst it, Illustrating more for'niy INA" any
, -, min, can the wise. liberal AMI generous '""'~
-, T.. the association In dealing WIN us '"'"'''''
md their benchc.dIie'.
Respectfully submitted r,,.,,,u
FREDERICK \. Bt1sNhAM
co,,se, Mutual Reserve Fund Life Association
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1894-01-25

. to- ...n denosits on account Of the failure Of OF
its repositories. ~
- d.huc,ine from assets. liabilities Of
=, rs,ure Including Of $6s4. 4o4. the
o., ,xtv days on all policies in force December ri. 1893
. comnutel ly the New-York Insurance Department.
which liability have voluntarily assumed we show
not surplus OF Sc. O6o. OI955
reference 10 the printed reports OF the Insurance super
,enents dscloscs the that there In existence
civ N.w-Yorls State level premium companies that COM
enced subsequent to the establishment OF me
.wyork Insurance Departs 1859. and have trans
c,ed business than thirteen eachnanely
,hc Equitable Germania. Home. Washington brooklyn
and Metropolitan
To impress you the wonderful progress "e sau
achievements, and the economical management oi h's
association will it's record with the record io'
the hrst thirteen years OF these six companies comencd'
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1894-01-25

Next in order was the report the xn John w Vroo
President Harper facetousy introduced
Mr.. vrooman who ought 10 be the Lieu
tenant Governor Of NewYOrk State. Mr. Nrooman re-
sponded the spirit By saying that Il was sort
Of proverb that Politician could not tell the truth but
that he about te, truths which nobody
would oppose and he added that he would rather
occupy the position OF Of such magnificent IN
stution as Mutual Reserve Fund Life Association
any political Office auainabe. Mr. Vroomans per-
sonal popularity sterling honesty 81 the pure old
fashioned Dutch quality widely recognized. and his
Identification with the Mutual Reserve Fund Life Asso-
citation is not the least riumphs Of Mr. Hsrpers
tactful Of his great business Undertaking
The report said:
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1894-01-25
a.. ID. BALDWIN.
Vice President.

Following the reading by Mr.. Baldwin Of h's report
President Harper introduced Frederick a. Durham
,,o whose duty whether the claimants
really dead or not, md remarked That in some in
stances he quite successful on negative lines
Mr. Rur1hnm in advancing TO the platform.
that while he claim be professional
Zionist since became connected with the business
had met with moderate degree OF success Then he
told OF instances OF character with which fc Insurance
company managers familiar wherein attempts at
fraud had been made. There anecdota features Of
his report which most interesting In their detail
II should be read by all who believe In the vndcaton Of
right against the assaults of rascaity This is what Mr.
Hurnham had 20 say:
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1894-01-25

The net increase OF business in force
IN foreign for the 1898 10 be ssse70 and
the mortality for the year $50 each ST.
risk.
Although the prosperity Of this association awakens
within us natural and pardonabe pride We should
be even gratihed when reflect that indicates
continued and increasing confidence part Of the
public in our system and management and Is manfesta
ton Of the great benehcence Of this association.
The year 1894 opens with much larger volume OF
business than was life ofce at the
rerod in its history low mortality experienced-promr
payment OF death losses-scrupuous integrity OF is
executive management-absoute security OF iis invest
ents-strictest economy in the administration OF lis
afars-al indicate approach OF a wide OF
pcrity and usefulness, has before been
realized predicted.
Respectfully submitted
HENRY J. REINMUND
Second Vice President.
Eew-York. Jan. "a. 1894.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1894-01-25
OFFICERS ELECTED.
/, UAppEE President,

EDWARD Il. HARPER President.
o. d. BALDWIN. First vce-president.
HENRY j. REINMUND Second Vice PresIden>
j. ID. WELLS. Third vice-Presdent
f. A. BURNHAM Counsel.
JOHN w vROOMAN. Treasurer
HON. ROBERT i. PORTER. late Supt L. g. Census
Bureau, Comptroller.
CHARLES W. CAMP. Secretary.
JAMES W. BOwDEN NJ. d., Medical Director.
!. J.. SEAMAN. NJ. d.. Medical Supervisor.
C. r. BISsEIL Chairman Finance COMMITTEES.
L. H. HARPER. H. J. RElNMUND +. A. BUINHAx.
Executive Committee.
JOHN j. ACKER and SAMUEL. W. wRAY. Auditors
The following officers appointed during IL
pleasure Of the OF Directors:
o. d. BALDWIN Chairman Death Claim Dept
GEO r. MCIIEsNEY. Agency Manager.
J. NJ. STEVENSON. II. W. T. AMsDEN. r. L. jones'
Assistant Secretaries.
f. T. BRAMAN. Assistant Comptroller.
VIM PLIMLEY. Financial Supervisor.
H. NJ HITCHCOCK. M. D.: T. b. CAMPBELL. n D..
j. d. GoRMAN. NJ. D.; ALIEN TRoUTMAN. NJ D..
Assistant Medical Directors.
c. r. EsTABRooK. NJ. D.. Assistant Medical supsr.
visor.
c. W. CowTAN Superintendent Mor,uary Department
T. D. LUDWIG. Superintendent.
D. f. REINMUND Superintendent Bookkeeping Depars.
C. H. HEATLEY Cashier
F. H. COOPER. J. A. HYLAND Assistant cashierH
H. H. PENNOcK Paying Teller.
f. C. POTTER Superintendent Mail Department
G 4. EVANS Superintendent Supply Department
f. A. sLATTERY. Actuary
T. v JACOBSEN. Auditor Of Accounts.
I. L. WIGHT Corresponding Secretary.
W A. BUTTS. Paymaser.
FRANKLIN UNDERHll.L Secretary Executive On.
mittec.
BOARD OF COUNCIL OFFICERS.
AMERICA
A. ~ BRADY. Albany " Y.
HON WARNING KENNEDY. Mayor Of Toronto on,ar>
WILLIAM WILSON. Toronto Ontario.
d. F. CAMERON. Toronto. Ontario.
HON HENRY l.. LAMB. Lansingburg ~ Y
H. A. NIEHOFF, Carlyle i'll.
J. NJ JORDAN. ST. Louis. Mo.
COLONEL JAMES DOMvILLE. ex-M P 81, ycS.
". H.
GREAT BRITAIN AND EUROPE
Sir W. GUYER HUNTER. II. D.. N. p London Enc.
land.
j. r. GRIFFIN. London. England.
II. HARVEY. Liverpool. England.
JULES ROCHARD. NJ d.. Paris France.
FoULON DE VAJLX Paris France
: II. TYING. ID. d. Paris France.
CHARLES H. AHI.sTROM. Stockholm. Sweden
EDWARD FORSsBERG. NJ d.. Stockholm Sweden
A. A. ". PETERSEN Stockholm. Sweden.
T.. r. SPIERS. London England
JOHN IOWLEs London. England
After session by the council the meeting adjournsA
sine die Aferward supper given at the Astor Hou..
10 the visiting members by the Junior members Of the
As sociation.
In all respects the meeting gratifying s resrta
10 the officers and members OF the Association and th
record OF riumphs achieved q source Of MANY A..
shanges Of congratulations
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1894-01-25

We note the total insurance written by the level
oremium companies during their first thirteen years
amounted 10 5000 and at the end OF that time the
sum carried By them S26G 04s 473. Al cent Of
the business written The total business written BY the
Mutual Reserve its organization amounted to Sol2
T73 and close OF Its thirteenth year II had In
force s262 OG5 OF the written
Although the income OF the six companies named
was more than and onehalt times that OF the Mutual
Reserve their receipts being s7Joool4. the Mutual Re-
serve only $50 $780, their death claim payments fell
abort ST. 777 GIG Of paid by this association
their payments aggregatng only S3 9oG77 whereas ours
amounted Sl7.6s433
Again. our expenses OF conducting the business have
b.en less than As per the expended
by the companies named having disbursed *o21lS
against an outlay by this combine OF $lo962oio
The success Mutual Reserve Fund has not been
confined 10 the United States but has extended 10 Other
countries and following statement will Illustrate mat
in foreign territory advancement has been steady and
It's growth substantial.
BUSINESS IN FOREIGN COUNTRIES.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1894-01-25

u viii also he from this statement that the
business received ~" home office the month Of De-
cerh'r Amounted 10 sioo-Gc3J. over De-
crm'"r l"?2. ~ S23ilG2t may add that FOR the first
month u 1874 up - th" 2ith the business
ready "Vc"'1s sl"oootno being increase the
corresponding period In January 1888 Of about 81
NJ better evidence than thcs" figures could possibly
furnished ~ m" health ana ,or u your ion nor
gi'e You surcr promise FOR the year 1884.
j. OiGIAS WELLS
Third Vice President.
Following thr report ~ Mr. Wells President Iiarper
inir,-lEDrf Medical Director JlIncs }owlcn who after
commenting his follow workers their accomplishments
"a ia, b.
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1894-01-25
Au-DITOK'S REPORT.

The auditors Of the accounts Of the Association are
Measrs John Acker. II - Safest Albany and Sam
ue ". Wray. Of il9 South ithst. Philadelphia These
gentlemen make investigation OF the books Of the
Association every sixty days In order to verify the
correctness their several ADULTS they employ expert
accountants TO assist them. making frequent, changes
in the persons go employed their object being TO have
each now accountant verify and correct the work Of
his predecessors.
death claims. emergency fund. and moruary
fund accounts OF the Association. They find the total
receipts from all mortuary calls 10 be S20Ci5 45JS and
receipts other s62s 43osl. making total
Of receipts amounting 10 SO. e73 500 80.
They report that sl1Gs 30 So represents the total
amount Of death claims paid.
They present detailed table Of tho tota! cash and in
vested surplus OF the Association showing that
81 $50 32G 10 are safely invested deposited where 1t
the table being s22en0co worth Of bonds secured b.
first mortgages upon real this city. held by the
Central Trust Company OF New-York trustee.
Tho auditors in conclusion certify 10 the correctness OF
Of the Associations finances. and
plain their method examining the and appor
toning proper from tho various mortuary calls
for the Reserve Fund. They that they examine
every death claim. the certificate policy has
been properly ssued and signed. that all mortuary
calls AMI annual dues fully paid up the time
u the death Of the person insured They that full
proofs OF have made and that the bcneciares
are the same as designated original certificate
policy They say
We do cordially ndorse the methods pursued by the
official management with which neither ~ auditors
has any connection and rhfully. and with
pleasure do that the officers to be commended
their honest nri able OF the great and
sacred committed to their care
New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1894-01-25
.nG.04 i4.1

field.
The following kilograms were then read by Secretary
Rranan:
TIE Director General Comp 5lley COMMITTEE control
s snG sfTa rS a a re
Of 'ss ihsn Is Europe ms P mSs,
Csigned) STEPHEN H. TYING.
- 0 01 Ensand isn = %sw Sa,
consratuations British department vii make ,sa the
record year. f. r. SPElRs
Chicago. H.; Jan. "a 1894.
profitable God speed you and the Mniqa Rsierysy
kilograms Of congraulaon at the success achieved
by the Association as) received from James Clark
ex-senator Garrett H. Hobart. Of Ne~-Jersey and
b. H. Robson. OF Omaha. The latter voiced the sent-
of the Western members. A letter from Warning
Kennedy member OF the Association and now Mayor OF
Toronto. Ont read Mr. Kennedy expressed the most
serven, wishes for continued prosperity
of the Mutual Reserve Fund Life Association
Messages formulated TO be sent 10 those from
whom congrauatoy dispatches had been received Then
the result OF the election was announced
ENDORSED BY THE MEMBERS.
Appropriate remarks made by Judge Jones Of 81.
Louis; Major T. H. Jones. Of Atlanta, Ca. y. r. Cam
eron Deputy Province OF Ontario. Canada ana
Mr. James Domville. Of ST. John. New Brunswick. Con-
gratulatory kilograms received from Hon James 5.
Clarkson II. Hobar'. ex-senator OF NewJcrsey;
r. H. Robinson OF Omaha. on behalf Of the Western
members II. Sherman. OF Chicago. and a cable from
DR. stephen H. Tying drectorg OF the Continental
department
The following resolutions were offered and unanimously
adopted:
By Mr.. Cameron:
THAT the thanks OF The Canadian members % the
Mutual Reserve Fund Life Association due and are
hereby President Harper and hose associated
with him unexamped success OF its operations
during the past year,he banner year Of It's existence
notwithstanding financial depression that has
existed throughout the world and hereby desire 70
pres our nreserved confidence in the Association and
management"
BY Judge Jones:
.Resolved That the members of the Mutual Reserve
Fund Life Association hereby extend to the officers Of the
Association our and hearty thanks for the faith
fnl manner which they have guided us in the past.
and we hereby express confidence in them FOR the
f,,,sr