New-York tribune., 1900-05-27
THE PASSING THRONG.

Sidney Crawford of Baltimore. Ian old insurance
man. in speaking of conditions in the insurance
world, said yesterday at the Grand
CONDITIONS Hotel: Insurance is a most inter-
IN THE esting study. To the average out
INSURANCE slider il may dry but TO those
WORLD within 1t strongly holds attention
rejecting it does many diff
lerent phases Of the human character To-day the
great and certain money is in the insurance of
human life, which has been practically reduced TO
an exact science. and the schedules Of rates for
men OF all ages are based the average total OF
@ i@nnumeTaole cases of which the records have been
been found be as immutable as the rise and fail
0t tne tldes or the sea. But life has been spent
OF t1 ttrylng 20 teach an old dog new tricks and
we cannot hgure as Closely as thew " can in Ire
anu @ the element Of uncertainty that is eliminated
rom rom their calculations is always with US. and
what WI IL may turn out to be can calculate
the Cbicssa5 Gs5tansy ra For instance at the time Of
%nleh HiS - was In a most hourishing condition. To
plus of almost $4O0 0OO and our risks were of the
pe5doI mass Ior Inose days Then cane that stu
iLnat wretched combination Of the cows foot and
wiped out thousands OF fortunes, but told most
ntIy neaxHy on the insurance companies We We're
iy utifery ruined, bur one peculiar feature was de-
ae1ped IN our case to prevent repetition of which
9f ~ ti We had advanced money on securities
OF he rst class, and these loans were outstanding
sured and purchased Claims agsnsf tRe connanv Sng
We're worth With these claims when we tried to
were appealed to- but the law was Clearly
fce Sm 'nerT f Slde and while the thing was on its
tain them $500 -
OF course. when the millennium is reached and
everything is freproof. fire insurance will be done
away with, but until such day even
LOSSES ON the so-called freproOf buildings viii
FIRhPROOF carry insurance. Their danger.
STRUCTURES. howeser, comes from without. and
not from within, and fire in a
building adjoining a freproof structure will dam
age 1t to greater or less extent, according the
very low on these hreproof structures, bur that
loss and grievous loss to insurance companies can
n g IN sao Western na city This dreproof building
~ pald 0ne-terth of 1 per cent for five years or
S@00. 4 Ihe building next door burned, and the ire
4 Oot otmlIulng INC was damaged more than the amount
OF the hre insurance, which the company was, of
that particular company does not now cast favor
lRs eye on freproof buildings first class risks
a 9be III me owners OF Insurance start the fires
trade in itself in this CITY until a few wears ago
when the perpetrators were hunted to earth and
has kept the others from taking the risk. In life
tb & dlcs Hhe suicide is in degree analogous to
Iewer instances, and the companies try guard
has, has made up his mind te commit suicide he gem
oo ILL., ~ IN sucn a manner as TO make IT
tne amount OF Insurance remember two such
cases Of men who were friends. One was found in
II. a held who had apparently been in the act of
Pgiing S IL, ms gun through fence when it had gone
similar 1 accident While in boat after ducks he
the boat Boh s it R as shown the ws Of
and the companies fought the cases bitterly but
thing like S25OOoO. I knew both rhe men we'll and
both extremely careful how they handed tbeie
arms. and for Them TO suffer such deaths acct
dentaLy was all but impossible
G, G. Prime, Of Chicago. in speaking yesterday at
the Waldorf-Astora Of the cunning and peculiar
suspicion which men with liquor
DOPED' crazed brains will times exhibit
THE WRONG told the following story: An
MAN. amusing case that occurred IN Chi
cago some time since we'll illus
trates the point wish 70 bring out The man in
question was what might be called a periodical
spreer, and on this particular occasion he had
been or tear Cor so long time that he was in
a fearful physical state. and also 'dopey'
mentally One evening he dropped into a club of
Whlch ne was a member. and, taking possession of
a small writing room leading OF the main oung-
ing room, straightway began an animated CONVEX
sation with himself. which soon attracted the at
tention OF his fellow club members Soma friends
OF his who were present were anxious to get him
away, ooth because he was not showing himself
fared Nome ot ga IT. hghb @ ana because they
But now 70 get rid of him the question The
sure 10 kick up Finally, physician present
suggested administering opiate in a glass OF
offender No sooner suggested than acted on the
drink. accepted with alacritv and the vi1a IrsS
served in obedience TO the order. After a toast
calling FOR heel taps to insure the drunken mans
getting the full benefit of the soporifc dose the
conversation little by little began TO flag Try as
they would, the other men could but watch the
drunkard and discern the action OF the drug
But no sign did he give, and just some OF them
We're beginning TO abuse mentally the physician
for administering too light dose, the man sitting
next the object of the attentions suddenly keeIed
over in dead stupOr. At first every one Thought
he had been taken i'll and tainted and then IN
dawned on them that the dipsomaniac, with sus-
ptcton or the drink served him had axCLanged
glasses and so II turned out to be- AS he was a
young fellow living home there was nc.hfrr
TO DO do but take him there The physician sa " Ms
father. explained what had happened, and then
produced the limp and helpless body of his son
The old man did not take kindly. however To rba
explanation, was loud in his denUnciariou OF them
all and wound up with some unpleasant and ner+i
nent reference TO the law. However il ended all
right. for the man who got the drug slept in Off
as his father did his anger. and the drunkard was
Hnally captured and Gagged by his family
ENGAGED.
PFINCE-RIcH- and Mrs Charles N Rich. of No