The San Francisco call., 1899-09-23
KruttSChnitt and the Lawyer in
q Game That Failed.
Attempt to Force an Agent to Make Them
a Present of 100000 Insurance
on Their Lives.

plans fell through and there is trouble
When the policies arrived from the East
Marvin delivered them TO kruttschnitt
and HerTin, but did not make demand
for the balance of the premium. He in
tended TO give them an opportunity TO
read over the contracts and ascertain
fully that they were as represented before
he asked them TO settle the balance or
Some days passed and hearing nothing
from his clients Marvin visited the yellow
building with a receipt in one pocket and
in the other sack to carry away the
coin he was so confident of receiving from
Herrin and kruttschnitt. kruttschnitt
was not in his office, but Herrin was in
his. Marvin was received with all
graciousness. Herrin talked about the
weather and the price of potatoes, but
carefully avoided the subject of life in
surance. The situation was becoming
painful and entirely unsatisfactory to
Marvin. so he undertook flank move
ment by leading up gradually TO the mat
building. He went d it easily and asked
Herrtn how the policy suited him.
Fine, Beautiful! Elegant. Just the
thing every man should have. Nobody
should fear death with policy like that
were the ejacu' atoms OF the railroad at
torney.
Marvin grew bold at the send-off given
his goods and pulling the receipt from his
pocket handed 1t TO Herr1n
Thank you, was all that came in re-
turn.
there was a balance due of some 500
which of course was mere bagatelle TO
Herrin. but which the life insurance COM
pany needed in its business.
The rage of Herrin at the suggestion
of money was terrible Marvin trembled
as the attorney snorted around the room
until the pure air of his office was i'm
pregnated with the sulphurous fumes that
arose from the awful little cuss words
that were applied to any insurance agent
or company who dared TO make demand
for rta for = nOllCE.
The idea. sir | am surprised at your
audacfty! Why I should be paid for al
lowing my name TO go on your books. 1t
is valuable to you for advertising pur-
poses. ! have paid you half OF what this
policy calls for, and that is one-half more
than I should have paid you. My name Is
Herrin and | am the head of the law de-
partment of the Southern Pacific Com
Marvin insisted upon the money or the
return of the policy, but got neither and
retired in disorder
Herrfn hurried 20 Kruttschnitt and told
him of the utter folly of such great men,
as they gave themselves credit for be-
ing paying an insurance company for
the privilege of inSuring their lives
Kruttschnitt made up his mind right on
the spot to beat Herrin at his own game.
ITe concluded to not only repud1ate his
note, but TO demand that the money he
lad paid originally be refunded to him.
II Herrin was going to get insurance for
half price, he intended to get it for moth
ing.
When Marvin CaIleO tneTe was no pre-
lminary sparring about the value Of
names and such dreamy matters that fit
through the Herrin head. Kruttschnitt
stood the life insurance man up in true
Black Bart style. He said he absolutely
refused to pay the note that was then
due and further. that he wanted every
I cent he had given the insurance company
returned to him at once or he would bring
suit for the amount. He intended TO hold
on to the policy because it just suited
him.
Marvin explained that he was merely
the agent of the company and had no
authority TO give their policies away for
nothing as much as he would like TO ac-
/ commodate Mr.. KruttSchnitt. He left the
presence of the general manager sans
! money and sans policy. Kruttschnftt
| filed. a suit against the company, as he
| threatened but when the bluff did not
work the action was not pressed. Mar
I win placed the matter in the hands Of
| an attorney with instructions to force
/ a settlement or a surrender Of the poll
Cies.
| In some way the actions of Kruttschnitt
and Herrin were brought to the attention
I of J. c Stubbs. third vice president of
( the Southern Pacific Company, which is
/ lust one vice presidency ahead of Krutt-
schnitt He has been endeavoring TO
/ show the men their errors and has been
! irving to persuade them TO settle for their
/ policies He has asked for a few days in
which to argue the matter with them
! and if by that time they are not dis
posed to pay up suits will be filed against
/ them