St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1895-02-13
THE INSURANCE MEN.
They Tell Something About Miss
Ging7s Policies.

DSIGcllVe JduiGS ". DOylc Was SAC
next witness. His testimony ~as Of no
particular Importance, being mainly
corroborative of ex-Mayor Eustis' evil
dence in regard to Hayward's deten-
ton and movements Immediately after
the murder.
When Mr.. Doyle left the stand the
insurance men, who have all along
been expected to testify to some as
tonishing things, were given chance.
John Patton was the first witness.
@. What is your business, Mr. Pat
ton? A. 1 am a life insurance agent
for the New York Life.
O. You know Harry Hayward? A.
Yes, sir; 1 just had a slight acquaint-
ance with the gentleman. Z
@. You ever have any converse ton
with him concerning life insurance?
A. l had for short time; 1 think, as
near as my recollection serves, it was
some time about the 1st of November
last year.
@. Do you know where that con-
versation occurred? A. In the Oneida
block. e
@. You may state what that conver-
sation was. A. Of course, l was ask
ing him if he was carrying any insur-
ance on his own life, and he gave me to
understand that he was carrying as
much as he was well able to bear; and
he also gave me to understand that
there was young lady that he was ac-
quainted with by the name of Miss
Cling that was about to take out a
policy in the New York Life for $1,000.
I said to him, 81 am sorry l did not
get the job of doing it," Said he, You
are too late now; we have applied, or
she has applied to Mr.. Pierce, of the
New York Life, the cashier of the COM
pany." And then / left. L was not
there very long. He simply asked me
if a policy of insurance could be trans
ferred-a policy in the New York Life
could be transferred from Miss Cling
to him, in the event of her receiving
the policy, and 1 says, ''The company
always does such things" That is the
only time he ever had talk with me
about life insurance.
On cross-eXamination witness said he
had been to the Ozark flats on one oc-
casion and had been directed to Hay
wards Office. He had heard Harry say
in Adry's presence that Miss Cling was
going to get life insurance policy for
| 81, 200.
]. E. Hodge was next called and ex-
amined by Mr.. Hall.
@. What is your business? A. Life
! insurance I am an agent for the New
| England Mutual Life Insurance COM
pany.
@. Do you know Harry Hayward?
| A. I know him by sight.
O. Do you recall the occasion when
you first met him? A. 1 do. 1t was
| in my office about the first of Septem-
| Der. 1 cannot swear to the date.
| can swear to some of the circum-
| stances.
Q. Did you at that time have a con-
versation with him concerning life in
surance? A. Yes, sir.
O. You may state to the jury the
| circumstances of that occasion, as near
as you can recall it. A. l came to the
! office about ten minutes past 4, and he
was in there conversing with one Of my
| agents.
@. Who was that? A. Frederick
White Upon coming in, 1 went to Mr..
| Whites desk-Mr. Hayward was sit
| ting on the left and Mr.. White
| that the gentleman was there inquiring
about life insurance for lady, and
they were discussing at that time about
| the possibility of the issuing of the
| policy. 1 cannot remember more of
! the conversation that occurred at the
| desk there. l notified both of the gen
/ tlemen to step into my private office,
| and we discussed first of all the in
| surable interest; Mr.. Hayward wanted
| to know if he could take out a policy
making him the beneficiary. I said he
I could not He wanted to know why
| said that the company-the New York
| Life Insurance company-considered
| insurance of that kind speculative, in
| asmuch as no insurable interest could
| be established; that is, without any
| reference to any further conversation.
| Then it was stated that he had loaned
| or was going to loan, an amount which
I remember was something like $1,000
] and he wanted to take out $1,000 pol
! icy on her life. l said he could take la
| policy of insurance on her life, making
| an assignment to himself for that loan ::
that the company would in no wise
make him the beneficiary, on account
| of experiences of a similar sort which
had been very unsatisfactory in life
| insurance. He wanted to know why
! the whole policy would not be paid to
| him i'll can't remember his exact
words now, but if he should pay the
whole premium first if he should pay
| the whole premium himself, would not
| the company? I said it made no diff
ference.
| =. Did Mr.. Hayward at any other
! time call at the office to discuss life
insurance with you? A. Not while 1
| was there. There is another part of
| the converse ton 1 would like to give
| @. You may do so. A. I stated that
| while he C ould not be made beneficiary
the policy could be assigned to him as
| collateral security for a note of her
| Indebtedness to him. And it was also
| further asked why the whole policy
| could no. be assigned in the same way.
| 1 said note of even date for the full
| amount might be written, but-of even
| date or thereabouts-and he stated,
"Supposing the estate of the lady
should find out that ne had not loaned
| the full $1,000 could he then get the
whole policy?" And he laughed, and
| he said he guessed that would not hold
water.
| @. Was anything said about the age
or the name Of the lady to. whom he