Ellsworth American. [volume] (Ellsworth, Me.) 1855-current, 1896-09-03
\. o. L. L.
What this Organization has done for
Ellsworth.

ELLSWORTH.
To the many who do not understand
the workings OF the so-called assessment
organ cations. and who do not compre-
bend the benefits arising from mem her.
ship therein, the following will be of in
terest:
Take as typical organization the A. o.
L. w, which was founded in 1858; in
some OF its features it is the father OF as
sessment insurance. It was founded as
fraternsl order with the distinct under
standing that upon the death OF any one
OF its members, each of the remaining
members would contribute to the family
OF the deceased brot her the sum of 81.
This was W hen the order contained from
100 to 900 members; after which it grew
rapidly, and soon the membership was SO
increased that the payment OF a deceased
brot hers benefit WAS limited to 1900.
The assessment still continued at q each.
forming what has ever been known as the
level ass essment plan.
There are now in this country nearly
100, 900 members of the order. This MEM
hership is divided into states and union
OF states called jurisdictions. The New
England states form the New England
jurisdiction. 1t numbers about Is, 100
mem bers, and is regarded as the most
healthful jurisdiction in the order.
One gres; protective feature about this
order il the fact that each jurisdiction is
obliged to pay only certain number OF
assessments before it may call upon OF her
jurisdictions to assist in carrying the
burden. For instance, in case OF an
epidemic OF any disease in New England.
mem bers are required to pay only sixteen
assessments. after which they may call
upon the other jurisdictions to contribute
sufficient amount to pay all losses above
that limit
In the South and more unheali hful
districts, the limit l. larger, they being
required to pay at least $50 per mem her be
farc they can call FOR aid from other
Jurisdictions. Hence it VIII be seen II
the fun amount should be assessed. the
New England membtgs could be required
10 pay only sixteen assessments per year
which. with the lodge dues. would only
make 80 per year ON 5000 Insurance
But that limit has never been reached,
the largest amount yet called being SIS.
which with dues added makes SIS, and the
average amount for fourteen years has
been >I6 Tor assessments aud dues on an
Insurance II 5000 TINS amount j. not
paNsh#e All al one time, tut part j. paid
each month, 80 thet n,arly every one
woufd leRtle TO pay tie amount OF q -
per month Tor S2,OJo Insurance.
4 little more tuau four cents per day
pay Tire entire cost Of 5000 policy.
EH~North iudze#Nrs instituted Nov. Il,
49,, aud has present membership OF IA.
including many Of the prominent husi-
hes snd professional men Of the city.
During the past twenty -one months,
since Nov. 1871. "a nsmbyrs OF thi, lodge
nave divd, bringing SI2,OO0 INTO town TO
the oemefciAries OF deceased members
The last member no died was Frank II.
joy, and the promptness with which the
order meets it, liabilities j. seen in the
fact that Mr.. JOY died August 10, his
funeral was ueld August L. and he draft
in fu.! .ayme-; sees aa-s-a 10 M-,. JOY
August IL.
Capt ii, ". Hoit aud capt. Jesse Brag-
don were also members Of this lodge, rs
were also John >. higgins, DAlght :.
Rowe, and W. f. Nose
By thoughtful provision and very
little sacrifice these members iett the
amount OF their potJcies for the comfort
and support Of their families " hen their
care md been with trawn from them.
In he-e tlmes OF unprecedented deaths
and hard times it must he plain to al
that protection to ones fam ~ should
come first, that in case OF his death his
wife and dear ones may be provided for