The Meeker herald., 1897-07-24
FRATERNITY, PROTECTION.
THE "UNirEp MoDERNs," DEN-
VER'S NEW FRATERNAL ORDER
CONDUCTED ON A NEW PLAN.
Reasonable. safe and Ma xnst That VIII
Draw and Hold Together
Thouaards.
From the Drnyer Reo,b,,can,

From the Denver IepublicanJ
q dying man can leave to hi1 family that is
% certain, 30 safe, 30 easily and so aNickly
.vaiinble avail as the certificate which binds
ternal beneficiary association to pay TO his
nranse neafs certain amount Of cash within .
,speShed ,n aj time aftSr proofs Of his death have
lars have been distributed among the fam
its OF deceased certificate holders during
tion In some safe and reliable form has come
20 be regarded as one of the absolute neces-
n ~ ,eav on every FRY % man whose ain ana Object @
ne Is called upon to lay, down his b len OF
care and toll.
Some too High. Some too Cheap.
That there is no scarcity Of life insurance
companies and associations. is well known
ann IN, II It's Is equally well understood that the
sna Ma tssir Gscsssivs rss large dSdsnds
100 much TO enable men In tho, poorer-paid
oGripa,lons s OF life to carry policies In that
to te well recognized fact that almost all
the fraternnl organizations with beneficiary
features are open to an equally strong OBJ
1eeion. In that they charge too little to In
sure their existence for more than COM
paratiyely few years. In their desire to Sc.
s arss @ Rs.e Wsnn make hSr ha
fnta. mistnke of fixing their assessment
rates SO low MS to preclude the possibility of
HHStH III lut way VI u
guart,tec or reserve fund, and the result Is
ineyinble. As soon as the beheht OF first
medley selection wears on. or the members
first nanittcd live ont their life expectancy.
an armt OF members constantly marching TO
the grate suflices In few years to begin
,nr mat saS process Of decay which Is never @ In
IerrupteS but goes on steadily to the end.
They matc no provision for thr increase OF
assessmets which must necessarily follow
when bbNyonng members begin to be old
members; Snd the mortality rate becomes
large, WIN, sufficient new blood cannot
be INFUSED Nto the society to offset the nat
t,r nrsl increas in the death rate. hctwecn
these Two Ntremcs OF charging ton much
AMI too littlt there Is golden mean. and
thpt mas been attained by
rie United Moderns.
A new fratc1al order which was organ-
izgi litilc DER three months ngo by
large number hf Dcnvcr's most prominent
citl~ens and hst fnanclers: The organ
Mfs ana mana cement nfFthc United Mod
erus recognized Nthcse facts in the begin
nlng OF their eT,rts: First. that the plan
must not only bc,a good plan but It must
be little better tHan the plan Of any sim
ila t,.,,I society % or ordST 1t must te practical.
gree; 1t must hc devoid of the faults and
W, Wesnessss SneS Of other plans and embrace all
na nas arc KS
tirly new All this the founders and pro-
meters OF the United Modcrns have done:
mist he aggressive. and certainty In this
repect there can he no criticism. for, In less
thin three mouths from the dste of organi,;
Znton. the United Mod"rnS have entered
nrr one third of all the towns In the state,
founing lodges and numbering among the
membership IN each place many of the most
helm three years, at this rate. is something
tint would be difficult to estimate.
What the Plan Provides.
'he plan of the United Modcrns, while
prviding for The protection Of Its members.
without increasing the cost 10 them as they
grw older. by Tho. accumulation Of n re-
pn Un ..f1It has. ntnFG
aighily higher rate In the heglnning than
Is charged by those organizations which
otlet words. the member. while in his
yoirEcr, more vigorous and productive age,
Willingly pays trlhc more in order that
mnts Will not increase, MS is The case In
most Institutions of this kind. This plan
permfs the young man TO join In 1rter years
at III. same cost as the young man of today,
thui insuring continuous growth hnd pros
periy of the order nj time Wien other
ordes working upon the dehth Assessment
plan would he going into decay.
For Bath Men and Women.
Thse eligible to membership In the United
Modrns are men nnd women between the
pas, satisfactory medical examination. and
certain hazardous occupations ntt prohibit
ed. ttus reducing the risk to the lowest pos
sible figure
Tie frnternal feature of the United Mod
erus is an attractive one, bringing together
In I social way the Ladies aud gentlemen
doubtless destined to become leader
an,ng the greatest fraternal organizations
in he world.
Summary.
Cheers of the old-line comps nlcs admit
tina. they charge too much for insurance,
While the promoters of well-in"wn assess
est weakness of and peril TO these organiza-
ttoas lies in the lack of proper provision
having been made for The accumulation OF
reserve fund. 30 that the inevitable Increase
In cost may be avcrted. The truly fratcrnal
plan secures protection, and n.nuy fraternal
benefits as yell ,h nt mim9E " ,6c Scs! oh
erIs.
Another Modern Feature.
The Investment of the surplus or reserve
funds is under the direction Of the board Of
managers of the Modcrus and The advisory
committee, acting Jointly under modern
system of accounting and checking, de-
signed to reduce to the minimum every pos
sifility OF the ioss of any Of the funds.
Among this latter committee are such we'll
known men a. rN-chief Justice Helm. late
of the Colorado supreme Court; =. H.
Webb. the present sheriff of Arapahoe
county. the other members being men of
prominence. resident In other states.
The Ohicerr and Managers.
The officers and board of managers Of the
United M3derns are as follows: Supreme
Chancellot, Edwin NJ. johnson, who Il gen
sra asser ah a,.preS nf nes,yer e With suT
scribel capital OF s4.GOO.UOO; vice supreme
chancellor and department organizer. u: NJ.
suprene recorder and counsel, L. W. Smith,
a wcltknown practicing attorney OF this
city: second vice chancellor and department
organizer. W. l.. Showers, late. general agent
OF the Fidelity; supreme medical examiner.
Dr q. n. Macomber, n prominent Denver
physician and surgeon: supreme 1nancier,
y. 4. Irish, assistant cashier OF the Denver
National Bank. while NJ. b. Johnson, promi-
nentIy Identified with the Fidelity Savings
A Association, is Il member of the board of
managers The depositorics of the United
Aioderns are the Denver National Bank,
capItai nnd surplus S6sO.opo; the Fidelity
savings Association. capitat and surplus
$4,000.
Thus 1t will be seen that. with Its ad
InirabIa plans Its aggressive rolicy and Its
ample Nnancial endorsement there Is moth.
ing in the way Of the success If the United
Moderns which is encumbered with none of
the dangers or difficulties OF the two
,remes between which Ii fprms a happy
medium.
There Is the greatest need for such n
plan, the reasonnbcnsss and justness of
which appeals to all who Investigate. The
growth already attained by the order will
enable II to protect all presert business, and
Insureo the. greatest strength and perma
nency.
That this modern iiea and enterprise has