Alma record. (Alma, Mich.) 1878-1928, 1899-04-14
INSURANCE.
A Necessity. and the Best the Cheapesr,


Insurance grew out OF necessity, and
has become a necessity. The capitalist
| invests in perishable estates, and insures
60 protect his capital The merchant in.
vests in merchandise and insures TO pro
| tect his business and his credit. The
owner Of a home insures TO protect him
| self against the loss of 1t. The payment
of small sum TO insure against the loss
| of large one is such genuine economy
that wisdom everywhere approves OF II.
| The demand for insurance is such that
! il has become one Of the largest branch
es of business in the world, and no
business is conducted more accurately
and honorably than fire insurance
Banks are not more particular than IN
surance companies.
Insurance has value beyond the
money involved. The sense of safety
gives relief from anxiety, and this pro
notes health and prolongs life. Like
other blessings the only thing wrong
about il is the abuse OF It. Time was
when insurance was susplclously and
even seriously looked upon, but that
time is bast. The statutes of the country
have so guarded the peoples interests,
that no branch of business Is safer. or
course companies differ IN their meth
DDS and the management OF their bust
ness, and companies vary III Their
strength. The largest are not always
the strongest, and are often not the
pleasantest TO deal with. Many com
panies of moderate or medium size are
stronger in their proportions, and are
really safer. IL is nice question TO Sc
lect the strongest and best managed
companies, and at the same time 20 have
insurance carefully written Much de-
ponds upon the computing and eXper-
fence of the local agent. Beware OF too
cheap insurance. If outside mutuals
offer you insurance think twice before
you buy it, and then don't buy
it. Never buy shoddy when you can
buy good goods for about the same
money.
Nearly ten years ago ! purchased an
insurance agency and began insurance
work ! have always been an advocate OF
fair rates and generous underwriting
/ think it is conceded that ! have some
adoption to this work / only wish !
could do more of it. No man has ever
lost a dollar by lapse of policy IN my
agency, nor by poor underwriting. 1
have been fortunate In every way IN
saving my patrons from loss In TINS
particular | have had all shades OF eN-
perience one of my first cases was the
of large policy for patron
whom | could not see IN time. Believ-
ing that he wished it kept up and nos
knowing but that he might be sick or
from home. | wrote II and sent the re-
neWal TO him and reported TO the COM
pany felt that / would rather lose |
my work than 10 fail to be true TO the /
trust, and strange as II may seem the /
was burned that very night. /
In due time the loss was adjusted and /
paid by the company IN full. At one /
time | was obliged Go be away from /
town for several days, and renewed al /
policies which would lapse before my re- /
turn. | could relate 10 you where serious |
loss has occurred through the careless 1
agent, and has general uniitness for the /
business in which he Is engaged. Some /
people think anyone Is good enough for /
an insurance agent and II Is safe 10 re.
late, some companies have apparently the
same views, judging from the men they
sometimes appoint as their local agents.
Agents have been appointed who do not
possess the least qualifications for the
business, and will never be more than
mere imitators Will you trust such
men 10 MIllt a COulIdCl lOA NOA M4l4iL4
may mean the loss of several thousands
Of dollars, through some careless word
Or clause made use of by the agent in
writing your policy: Be sure the
language in your policy is not capable
IF very different construction than
what you intended. Read your contract
in every instance. If not written as
agreed do not accept il; you are the
party most interested and cannot afford
TO have your contract drawn in careless
Dr a slipshod manner.
can do your work promptly and well,
and give you as good indemnity in as
good companies as there is in the world
Give me a line at your next expiration
please, and, oblige. Rates as reasonable
as the conditions warrant, consistent
with liberal underwriting
Yours sincerity,
X. d. LENEN.