The Monte Vista journal., 1897-07-24
FRATERNITY, PROTECTION.
vER'S NEW WFRATERNAL ORDER
CONDUCTED ON A NEW PLAN.
Reasonable. Safe and u NJ .Enet That Will
Draw and Hold Together
ThouaArds.
From tho penyer EcpublIcan)

UyIHE TVNVt 1NTTTTy
so certain, so safe, so easily and so quickly
available MS the certificate which binds
some sound, reputable and fair.dcnling FRI,
heirs n certain amount of cash within
specified time nfier proofs of his death have
lars have been mSf dIstrib%lsd S" among % the % fam
HES OF deceased certificate holders during |
the past quarter of 4 century, until protec-
80 be regarded as one OF the absolute neces.
fitles OF every man whose aim and object |
ea ms npop to ay dJwn his burden
care and toll
Some too High, Some too Cheap.
That there is no scarcity of lifc Insurance
and IT is equally well understood that the
with their excessive rates, large dividends
and high salaried officials, charge entirely;
too much TO enable men In the poorer'paiu
occupations OF life 10 carry policies In that
the fratcrnal organizations with beneficiary
features are open TO an equally strong 9b-
sure their existence for more than com
paratively few years. In their desire to SC.
time. most Of these orrnnizations make the
fatal mistake of fixing their assessment
rates so low as to preclude the possibility OF
accommodating anything In the way o. a
guarantee or reserve fund, and the result Is
inevitable. As soon the benefit OF first
medical selection wears OF. or the members
first admitted live out their life expectancy,
an army of members constantly marching 10
the grave suiiiccs In fcw years TO begin
that sure process Of decay which Is never IN
tcrruptcd, 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 ola
members, and the mortality rate becomes
large. while sufficient new blood cannot
he Infused Into the society 10 offset the nat
ural increase in the death rate. between
ahEIG nG ,on % S'TGm Of eGSJgns nn mean ,Sa nSa
attained
Th. United Moicrns.
new fratcrnal order which was organ
lied little over three months ago by
large number OF Dcnv"r's most prominent
citizens and best fuauCicrs. The organ.
izors and management Of the United Mod.
crns recognized these facts In the begin
ming of their efforts; First. TINT the plan
OF amy new organization of this character
must not only bc good plan. hut 1t must
be little better than the plan Of any sin-
ilar society or order. 1t must b" practical,
attractive and m"riturlpuS to an unusual de,
gree II must be devoid Of the faults and
woakncsses OF other plans and embrace ,All
the good features OF others. II must Z" far
Tier and Incorporate features that nrc en-
tlrcly new All this the founders and pro.
motcrs of the United Mnderns have done,
and done 1t we'll Second, the management
must Lee aggressive, and certainly IN this
respect there can he nn criticism, fuT, In less
than three months from til" dlt" ~ "rgani.
aation, the United Mplcrns have entered
over onc-thlrd OF all the towns In til" state
forming lodges aud numbering among the
membership in each plnC" many OF tho most
prominent citizens. what IT. record will
hc In three years. at this rate, l. something
that would be difficult to estimate.
What III. Plan Provides.
The plan of the United Molcrns. while
providing for the protection uf l's members.
without lncfcn5uE the cost to them Us they
grow older. by the accumulation Of q re-
serve fund, only makes 1t necessary 10 charge
slightly higher rate In the beginning iGnn
Is charged by those organizations which
make no provision for n reserve fund. In
other words. IL, member. while in lh~
NiFUFRffz and UFUIWGtINe
when he becomes oli and feeble Ills a-sc.s.
most Institutions of THIS kind. This plan
permits the young man to Join In later years
~ the same cost ~ the Young m3n OF ,'nhy,
thus lnsurlnE continuous EroWlh ahi pros
rcrity Of the order at time when other
orders, working upon The death assessment
plan, would he going Into decay.
For Both Men and Women.
Those eligible to membership In the United
| MOdcrns are mon aud women hclWecn tho
| ages OF Is aud - years Applrlnis must
! rtrtau hazardous occupations are prohibit
cl, thus reducing the risk To the lowest pos
.lblo figure
| The fralerunI feature OF the United Mod.
| trns IL an attractive one, bringing together
In social way the lndics nni gentlemen
who constitute the membership Of what Il
doubtless destined To become leader
among the greatest fra,crual organizations
, In the world.
Summary.
| that they charge too much for Insurance.
'so6if ,Ui i.lgG.9.sSS Their identity into
colossal whole: Standard Oil com.
pany, United States Leather CON-
papy. American Sugar Refining
company, National Lead company,
United States Rubber company,
American Tobacco Co., American
Spirits Manufacturing company, I
American Cotton Oil company,
New York, Chicago and Bay State
Gas companies; capital 1886, ,0OO,-
900. To this amount of capital |
stock must be added the various
sums represented by bonds of the
above companies, together with
appreciation values of tho various
stocks. Standard Oil representing
nearly tour times its normal face
value. which together, will bring
the total value of capital interest
in the above total. Tho Leading
spirit in tho mammoth combina-
:ion is said to bc the Standard Oil
Mad"fns are the bcnycr National HANK.
| capital and surplus sGsn.vs; the Fidelity
| savings Association. capital aud surplu.
xS1tpp
Thus It will he seen that. with it. nd
| mIrnblr plans, Its aggressive policy aud it,
| ample financial endorsement, th.r" l. moth.
| Ing In the way Of th. success OF the United