The morning news. [volume] (Savannah, Ga.) 1887-1900, 1897-12-24

worker. but they are so scarce now auu
", - a>,t,ansiva that I think l could put
a. money 10 better use l went TO tnat
poor. shabby lodging, where fire ana loo1
had sometimes been scarce for days dho
the room where the child lay was luli -
flowers. procured by the family or sent ia
by friends. Life insurance money puIlea
the child. The working classes are klllu
10 each other in distress, and death seems
to touch them more than suffering IN me
does.
Occasionally, though, the nonchalance
with which they accept a calamity OF the
kind is grotesque. what kind OF comm
will YOU have? asked the undertaken OF
a man who ordered a child,s coffin lie
meant the quality of the hhlns' cashs'
trimming etc oh! the same kind usu-
ally get. he answered He had buried as
wife and a daughter previously You may
be sure they were all insured, or the uh-
dertakers would not have treated MN
with such Difference. Is there a policy
is the first question an undertaken asks
when his services are invoked.
Inquiry discovers that in the old city
of New York a single industrial insur-
ance company has nearly half q Hlllioh
policies in force, and in Greater New YORK
there are nearly three-quarters OF a mill
ion of Industrial policies on record at the
present time. This industrial insurance
often includes every member of the TAM
ily from the age of to 20, with some
times five or six policies on one life. In
Newark, N. j., out Of 100000 people, there
are 100000 industrial insurance policies IN
force in two companies.
Are Industrial insurance policies of fix
ed valued" Haley Fiske, vice president OF
the Metropolitan Life Insurance Company,
was asked.
NO" he answered, they are not in
full benefit until after one year has elaps-
ed from the date of issue. IT, for instance
a policy should be taken out for $40, and
the subject should die within three months
of the date of application, the amount OF
insurance would only be $78. The fun
amount is paid after the policy has been
in existence for a year. This fact mas
some bearing on the Zanoli case. II the
BARRIERS last wife, on whom he collect&A
insurance, had lived nine months longer
the policy would have been worth S3lO
whereas she lived only three months from
the time of issuing the policy, ana ne
only got $78. The daugh ar he collected
on was insured under a policy that had
been i'm force seven years. He collected
only $50. 1t was a policy which would
have increased in amount each year Tor
several years after. 1t would have been
to his advantage to keep both OF these
women alive.
"Are many of the industrial insurance
per cent. of them are. Most of the policy
holders we find good, square-dealing peo-
pie. There have been a few cases where IL
has been alleged, money was collected on
parties not dead, but never In our eX-
perience. a case where a man collect
ed a policy on his own life, as this
Zanoli did A year ago we paid
a policy on one Charles Zanoli, TO
man named Braune A while ago we heard
things that made US suspicious, and when
those suspicious were confirmed we had
him arrested All charges about his
poisoned wives came out as a result of the
trial. The payment of death claims by
the companies is made upon the same evil
dence that the city requires to get per-
nit for burial. In his case we had all these
certificates, properly sworn 10. A large
per cent of death claims go to defray fu-
neral costs, and payment is promptly
made.
People who are well circumstanced can
have little idea of the importance of this
question of burial to the poor There IS
something pathetic as well as whimsical
in the sound of trumpet and drum ard fife
at the funeral of an infant of twenty
months but the music, the extra carriages
full of flowers, the long line of hacks and
the white-panted hearse with its nodding
plumes and white horses, comfort the pa
rents as nothing else can. And even
though the little one has toddled about ILL
nourished and neglected most of its short
life. they feel that in thus honoring ii they
show proper respect and uphold the fam
ily pride in some way