The state herald., 1897-07-23
FRATERNITY, PROTECTION.
THE "UNIrED MoDERNs." DEM
VER'S NEW FRATERNAL OR DER
CONDUCTED ON a NEW PLAN. <
Reasonable, Safe and u Magnet That win
Draw and Hold Tagethcr
Thousands.
(From the Denver Rcpubllcnn)

heirs certain amount of cash WITHIN
been made. Millions upon millions of dol
lars have been distributed among the fam
HES of deceased certificate holders during
the past quarter OF II century, until protec-
tlon in some safe and reliable form has come
10 be regarded as one OF the absolute neccs.
to- leave eSS Ss dTod ones %esse w
he is called upon to lay down his burden OF
care and toll. ~
Some too High, Some too Cheap.
That there. is no scarcity of life insurance
companies and associations, is well known,
''cld line" OF "lcyei premium companies,
and high-salaricd officials charge entirely
too much to enable men In the poorer-palt
occupations of life to carry policies In that
TO be n well recognized fact that almost all
the frnternal organizations with beneficiary
features are open to an equally strong %
lection. In that they charge too little to In
sure their existence for more than Il COM
paratively few years. In their desire to Sc.
fnpe me ost arss % iheno Whn shGr Ss
fatal mistake OF fixing their assessment
rates SO low as to preclude tho possibility OF
guarantee or reserve fund, and the result ls
Inevitable. AS soon ms the benefit of irst
medical selection wears on, or the members
nrst admitted live out their life expectancy.
nm army OF members constantly marching 70
the grave sutlices In n few years TO begin
that sure process of decay which Is never IN
lerrupted, but goes on steadily to the END:
They make no provision for the Increase OF
assessments which must necessarily follow
when the young members begin to be old
members, and the mortality rate becomes
large, while sufficient "ncw blood cannot
he Infused Into the society TO offset the nat
nral Increase In the dcath rate, Bctwecn
these two extremes OF charging too much
and too little. there Is golden mean, and
that has been attained by
The United Modcrns.
A new fratcrnal order which was organ
u
| large number of Dcnver's most prominent
citizens and best iinanclcrs The organ
iZcrs and management Of the United Mod.
erns recognized these facts In the begin
ming of their efforts: First that the plan
OF any new organization Of this character
must not only he good plan, but II must
be n little better than the plan OF amy sim
liar society or order, 1t must be practical.
attractive and mcriioriels to an unusual de,
gree. II must be devoid OF the faults and
| weaknesses OF other plans aud embrace All
the good features Of others, II must go lar
i irey nS n%w ths the "r fnnnders s and nd pro-
moters OF the United Moderns have done.
and. done II well. Second, the management
respect there can he no criticism, for, IN less
| thnn three months from the date Of orgnni.
zntion, the United Modcrns have entered
| over onc-third Of all the towns In the state.
forming lodges and numbering among the
membership In each place many OF the most
prominent citizens. What Its record Will
| he In three years. at this rate, Is something
that would be difficult TO estimate.
What the Plan Provides.
The plan OF the United Moderns, while
providing for the protection OF Its members,
without lncreaidng the eos, 10 them as they
grow older. by the accumulation OF re
serve fund, only makes II necessary 10 charge
slightly higher rate In the beginning ihan
| IL charged by those organizations which
make no provision for u reserve fund. In
other words. the member, while In bis
Willingly pays PAYS % trifie more NOR in order that
when he becomes old and feeble his assess
mcnts will not increase, as is the ease In
most institutions Of this kind. This plan
| permits the young man to Join In later years
| Mt the same cost as the young man Of to-day,
\ thus insnrlng continuous growth aud pros
orders, working upon the death assessment
plan, would be going Into decay
For Both Men and Women.
| Those eligible to membership In the United
Moderns are men and women between the
ages OF is and 20 years. Applicants must
| pass a satisfactory medical examination. and
| rortaln hazardous occupations are prohibit
I'd. thus reducing the risk To the lowest pos
The fraieruni feature OF the United Mod
trns is an attractive one, bringing iofeiher
who constitute the mem mhcrshp OF what Is
doubtless destined 10 become leader
among the greatest fraternal organizations
, In the world.
Officers Of the oldllnc companies admit
| that they charge too much for Insurance,
while the promoters OF wcllkn ASSESS
ment companies acknowledge that the great
| est weakness of and peril 10 these orsanizn.
| tions lies Ia the lack OF proper provision
having been made for the aecpmnIaii,on T., of a
| In cost may bc nvertcd. The truly frnternli
| plan secures protection. aud many frntcrnnl
/ benefits as well nt minimum cost. as
| clearly stated IN the literature Oh tue M"u'
/ erns.
Another Modern Feature.
The Investment Of the surplus or reserve
| funds is under the direction ~ the board OF
managers OF the Moderns and the advisory
| committee, acting Jointly under modern
system. OF accounting and checking, de
| signed to reduce 10 the minimum every pos
sibiilty OF The loss of any of the funds
| Among this latter committee nr' such well
known men ns ex-chlof Justice Helm: latc
/ Webb, the present sheriff of Arupnlioc
county. the other members being men OF
prominence resident In other states
The Onic-r- and Managers.
The officers and board Of managers u the
/ United Moderns are as follows: Supreme
| Chancellor, Edwin NJ. J0hnron, who u gen
eral manager and attorney OF lhs Fidelity
scribed capital OF si.ODJ.OoJ. Vice supreme
| chancellor aud department organizer. y. NJ.
Elliott. late ncld manager q The fldcliiy'
| n wei, known prncticlng attorney OF this
| city; second Vice chancellor and department
/ or.anlEar, W. l.. StOwUrs, late general agent
\ of the fidellty; supreme medical examiner.
| Dr. q, \. Mncomber. prominent Denver
| physiclnn aud surgeon; supreme nnauclcr,
|. Il. \. Irish. assistant cashier Of the Denver
| National Bank. while NJ. ". johnson, promi-
/ neatly idrntinci with the Fidelity savings
Association, member OF ~. board oi
managers. The drpu-linries ~ the United
I Moderur hf. the Denver National Bank.
| tupitnl aud surplus fGsn.oDD. the Fidelity
Savings Association, capital aud surplus
rims IL will be seen that. with It's nd.
mlrnblo plans, It's aggressive policy and ~
| ample Financial endorsement, there l. moth.
| Ing In the way of the success of the United
MOlprnR which N Unrunihpfrd With non. ~
ihr dangers or difficulties of the two "a
tfrmes between which II forms hnppy
| medium.
| plnn, the tensOunblcnrHs aud 1nstnrsH ~
which appeals TO NIL who Investigate, The
| growth already attained by the order Will
! enable II to protect MI present business. And
insures the greatest strength aud pcrma'
That this modern iden and Enterprise has
/ originated In Denver. " source uf con
ron- of Colorado are rcrialn 10 show their
| appreciation by tnnsl liberal suppntt of
| - worthy an Organization hs u tho United
M0defns.
wife twcarilyl l-",h. me, the days af ohir.
airy are pas, Husband WHAT the mat.
Iss sIoSk on W. ground %,ss iST o,a sf Essbs ,s5
to walk over, but you Rul angry simply be-
cause pa9r dear mother Hnt down Oh youi
hat u'iiiu.
rdu-stiona
Attention OF tho render Ia called TO
the announcement Of Notfo Dame uni
a..