Kansas City journal. [volume] (Kansas City, Mo.) 1897-1928, 1897-08-04
MEN GOING TO KLONDIKE CANNOT
GET INSURANCE POLICIES.
TRIP THERE IS TOO HAZARDOUS
POLICIES WOULD BE VOID IN CASE
OF DEATH OR ACCIDENT.
Neither Life Nor Accident Companies
VIII Assume the Risk of Insur-
ing Those Who 60 to the
Gold Lined Greeks of
the Far North.

Il would advise anyone carrying an in
suranCe policy. either life or accident, TO
study its conditions before going 10 the
Klordike." remarked J. d. Sutton, general
agent Of the Washington Life. yester-
day. "The policies OF the insurance
companies differ widely in their c0ndtlons
insofar as they might affect persons making
this trip OF course II IS extra hazardous,
as relating TO both lie ana atcldrht M
urIEce and had II been cohIeAhLlatyu
that there would be Il great rush OF thl7
kind there would have doubtless been pro-
visions in all policies governing II. nav
looked over the poIcies OF my SM tt
company, and hnd tnaJ quIlHS Ilie It9t I!,
year Of their life. mining in the hiohdlhs
would be a forfeiture under the prtscIlGed
conditions, while after one year pOlcy mold
ers would be permitted to 20 tnele. ne
ma jOrity of life insurance companies HdNe
similar time limitations, some being W.
OF one The conditions of the policies ot
many of the companies are such thal a
forfeiture would result at any une duItHS
the life Of the policy II the hoIueI sh11lu q;
leave a territory bounded by specified nm
is or engage in an occupation excepted py
permission Of the company.
The bylaws OF different secret oIsdtl-
zatiOns which have an insurance feature
govern in these matters. some prescItDe
territorial limits, while others 90 mol. = ne
courts have held that state laws wnlcn
apply to other insurance companies 90 NOT
hold to fraternal insurance N tilc iH: mat
ter of conditions prescribed Inc HoIulns
is that whenever a person becomes mem,
Der of such a society he subscribed 10 all
the bylaws and conditions or sucn mem
bership. | would particularly advise that
men who carry insurance IN fraterhal SO
cieties. and who contemplate going 10 lIe
KIondike, believing their families VIII Gs
provided for i'm case Of their deaths, should
carefully examine the bylaws 70 IeaIn Il
there are not clauses which ,Sbis Tln %ofA 4
Il do not suppose any life insurance COM
pany would write policy for man WhOm
they knew was going TO K!ondihe, ana
nit TO any present policy hOidtr 70 ~.
Such permits are sometimes granted en-
things prescribed by the conditions OF his
policy, but 1 hardly think the insurance
companies will be willing 10 take any m NOR re-
CHANCES than they are compelled to DO IN
this Klondike excitement.
Accident insurance differs from life in
surance in important particulars ai, said
ualty Company. The courts have De
cided that the territory cannot pc be
civilized parts OF the world. l do not know
whether the KIondike COuntry would be
considered part Of the GivillzssSd WoEII or
not II not. of course all accident lnsur-
ance would be worthless in that country.
II IL is held that such insurance Is enect-
i've in that district then the matter or
hazardous occupation would have TO be
considered. In most companies, When n
man is insured as a preferred risk ana
later changes his occupation TO one OF
hazardous nature. he is entitled 10 recover
indemnity for accident only in the amount
his utal premium NOulu nave puTSidSou
at the hazardous risk rate. F0r instance,
II as a preferred risk he should secure
$4,000 policy for $40. and in a hazardous &C &C
cupation. he could have secured only SS,gO
Indemnity for $40 he would be entitled to
recover only $500 in case OF total dlsa-
bility.
panies must sign an agreement that for
one or more years 2tter tne Issuance Ol
the policy he will not reside or travel IN
the torrid zone or engage in any OF the
following occupations: Blasting, mining
Submarine labor aeronautic aScensions,
Arctic explorAtions the manufacture,
handling in connection Herewith, or trans
portatiOn of inhammable or explosive SUD-
stances, service upon any railroad train or
in switching or coupling cars or on any
steam boat or other vessel or boat without
the written permission Of the company. he
must also agree that during the continu-
the life of the policy being named-he will
not engage in military or naval service IN
time OF war without first obtaining permls-
sion OF the company.
that OF many companies so far as it affects
those who may desire to go to the hlon-
dixie During the first one, two or three
years. as the case may be-, a holder Is not
Dermitted to engage in mining, but after
that time he may follow any occupation
except military service in time OF war
This latter would work forfeiture OF the
policy at any time during It's continuance,
unless the written permission OF the COM
pany TO engage in such service was hrst
obtained.
the Arctic circle. so that the trip would
not be prohibited by the conditions Of the
policy Of this company even during the
first year unless the holder should push
on to the north and cross the circle. The
poIicies Of some companies place the KlOn-
dixie beyond the limits to which the holders
may 60 and the agreement as 70 residence
and travel in many continues through the
- he