The sun., 1898-10-30
10, 20 AND 80 Cent? ALWAYS.
Iono1oD0u uonO uOnOuOnou0neOI OI
nccess should not follow its effort in the

success should not follow its effort in the
future.
'"The insured have largely contri-
buted in building up a magnificent AS
sociation.
.'The Fraternity Hall Association
transferred the title to tno real estate
now used as Home Office Building to
this Association for the sum Of $S5. .OOO.
We have had q sworn appraIsehiellt
made, and the property Was valued at
$S6, 400.
"The report also shows that the leases
| for rent OF the building called for total
OF $7.5S4.
"We wish to testify to the uniform
courtesy and consideration with which
we have been treated by the officers and
en- ployes of the Association, who have
cheerfully furnished US every facility ~
the prosecution OF tlls investigation, and
manifested desire to have the smallest
details thoroughly scrutinized.
We quote also as folows IRON the sup
pemental report OF Hon. A. +. Harvey,
Actuary of the Missouri Insurance De.
partment, who had charge OF the actnrial
work connected with the examination,
and who reported in part, as follows,
with reference to the Itadjustfnent OF
rates on the Covenants old or post
mortem" members:
1.-THE officers have had hard task be-
fore them. They have done as we'll ss
any set OF managers could do to preserve
the integrity of the corporation and do
strict Justice to their clients, and they
are deserving Of praise for their efforts to
overcome the legacy OF the bad begin
ming left to them to remedy.
''Il no one Of the twenty-one years
has the actual loss. in lives or money,
bean up to he expected; nor in the final
tabulation does it appear that the loss in
lie or money, at any attained age OF tfe
insured, was equal 10 the probable.
"The ratio OF actual to probable loss,
66.O5 per cent, il an extraordinary re..
suit. 1t is due partly to careful medical
selection, but chiefly to the fact that the
great majority of the members are to be
found in the exceptionally healthy States
Of the Northwest. s
tThe total results of the experience
may be restated as follows: 30.
Probable death, 6,060; actual, 1850,
or 63. 68 per cent. Of expected.
"Probable money loss, $l6,S7s, 724;
actual, $l1, las, ,46O, Or $500 par cent OF
the expected
Sin my Judgment the table Of pre-
miuns for life insurance upon the con-
tinuous- payment, whnie-life plan, now
in use Ly The Association, is sufficient
for al. the business Of the Company, new
and old, upon that plan; and may be
safely applied in the new issue OF new
policies TO the old -post.,lIor,ein members,
without rp-exalninutions at their At
tanned ages--lhe 'S,fetv Clause being
incorporated to cover emergencies which,
under normal conditions, will not occur
The holders Of the natural premiums
policies paying The annually increasing
o,Ie-ye renewable lives rates, as SET
forth in the Associations literature, are
fully protected by their present and pros
pective payments"
To the loyal tied-fprce Of this company
this sweeping endorsement furnishes
weapon against which nothing the
enemy may attempt can prevail. Back
ed bya widespread, intelligent and en-
thusastic membership and otfcered by
capalleland honest men, the
beet ysars ~ wHose lives have been given