St. Paul daily globe. [volume] (Saint Paul, Minn.) 1884-1896, 1895-02-13
"You discovered it to be a mistake p"

Harry?'
HE asked me if the mistake had beer
rectified, and l said it had"
1.-THE premium on this insurance had
been paid at the time Miss Cling had
these receipts 1 hold?"
yes"
us it not customary to transmit the
assured copies of their applications"
Sometimes it is
Had Mr.. Hayward said anything tc
you about copies of the application
HE never had
What did he say in the office when
he came in on the 17th?"
II can't remember"
when did you next see him after
that?''
about the 18th or 9th of November,
I think
where was that?"
''In the New York Life building.
He came in and asked for some blank
assignment forms, and 1 gave them to
him.
What time were these policies re-
ceived and delivered to Miss Cling or
any one?"
ION the 18th of November it was re-
ceived from the company, and took it
to her.
cit was the day following Mr.. Hay
ward called?"
Zone or two days afterwards"
when did you next see him.
"On the 2Sth of November in the af-
ternoon, when I came into the office
he and Miss Cling were there.
what was said by either of them?'
zone of them said they had come to
assign the policy"
"You see Exhibit B g. Whose hand
writing is it-yours?
mo, it is not mine"
sIs this 1 hold in my hand copy OF
the assignment made then?'
yes
WAS it executed in duplicated"
Yes
"And were both the copies sent to
New York;"
"Yes, but only one was detained by
| the company"
What became of the other?'
"It was mailed to Mr.. Hayward
when was it mailed to him?'
Some time in December.
"Subsequent to her death?"
| yes"
| do you recollect any further con
versa tion?"
| 81 was asked whether I could draw
| out on our assignment forms an as
| signment for the Travellers policy by
| altering the name, and l said l pre-
sumed it would be all right if the com
pany did not object"
| II show you Exhibit w 6. DO you
recollect that paper?''
THAT is the paper 1 have just re
| ferred to-
did you see Mr.. Hayward or Mis-
Cling after the 2Sth?''
81 saw Mr.. Hayward on the stree
| subsequent to the Sd of December"
when was that?'
'The Wednesday or Thursday of tina
| week.
did you talk to him?"
IL just passed the time of day."
Cross-examined by Mr.Erwin:
What is your position?"
Cashier of the office and assistan
agent-one of the agents in the city.
"You are authorized to solicit lift
| insurance for that company"
| yes"
people were constantly applying t.
you for insurance."
| YES"
LAS 1 understand you, the first time
you ever heard anything about these
| people was on the latter part of Sep
tember 1894, when Mr.. Hayward called
on your"
| YES"
What did he say to you?"
81 can't recollect the exact words
| but the nature was, he asked wha
were the rates of this company on tn
lives of women at a given age"
Cant you give something more def
mite as to what plan he asked for?'
Yes
what plan then?'
"Well the ordinary life plan; it is tn,
lowest, and the amount of the policy
is payable at DEATH
What is the next?"
1.-The one payable in ten or fiYteer
years.
when a person has paid five pay
ments on the five-year plan, the pol
icy becomes payable when?"
"At DEATH
"And when one is taken out on tn,
ten-year plan and ten annual premi
ums have been paid, it is payable a
| death?'
Eyes"
Mr.. Erwin asked witness a grea
many questions about the differen
plans of insurance.
'In the endowment plan where sh'
would receive the money at the end o
twenty years, what would it be?'
1854. 40 per $1,000"
eff she lived and made these pay
ments, at the end of the last year
you would pay the $1,000 whether sh'
lived or died?'
| yes"
"You discussed with Harry these
different plans?"
81 think I did,
did he make any notes, or did yol
give him one of your little books will
the rates in %
! 81 don't remember if I gave him {
book, but think he made notes."
"You say he did not call till Mis-:
Cling called?"
HE might have called"
There was nothing secretive il
this?'
mo, it was open and above board
"On Nov. Miss Cling called in per
son and alone?"
yes
did she say who had referred hel
| to you?"
Eyes, she said Mr.. Hayward. She
wanted me to explain the matter Of
ENn DChI1TN