The sun., 1902-06-01
SIXTH SENSE IN INSURANCE.
FRA DS sOuITINf> DFTI'FFD
tS NJ NJ INSTINCT.
,yxperispces d One iIfr Z tempsn, ~.
pusur~ ~ = tAse ~ uurder Danger
in In, e~tis stioas-- Nirnmrd swim
die ny Ri"', Man suspicious
Rrn ed to I've VOL FotInhtd.

die b, Rich Man >tspic,oo
PROV esi to he Wen Founded
Certainly not said th. D,-'rr Nu mar
could de,,s't such a hing iIutu inc''
phv~ical examinatI N such ls - naue on ih'
stdinarv application Bu' ~oin"'in",, r".
know, therr are circumstance rltI'h nias'
Q man little ~uspiro,s-liitle thhsr, Il
may he. which attfart his attention a. ih'
result Of his experience" Or perhaps h'
develops q sixth sense don't know wbs'
h 10. but I know IL exists
They wer' sitting around the table At the
club cafH wherc thev had dins'!. the Doctor
the General Manage III" Senior Counsel
and the Man from Oui West. who ~s ~
old friend 81 IA" senior Council Tn"
General Manager ~" D"c'oi ami ~" senior
Counsel werc al "npI"v'd uv nv" -ame "orn
many. ard no. unuatUrailv. IA" talk had he-r
largely about the work hat oc'NIp"d 'heh
0me
N vM new 90 the man from Out West
His relations Ia the company had been
confined 10 the annual payment OF his pre-
unium. and the inside talk Interested him
just that day lie had read IN q newspaper
account Of a great tragedy that had ben
enacted the day before the statement that
Nne ApDNfntlfn on tne ufs'l ihfSi h"t
v-fuss-d by the company because tho phyri-
cian who hal examined him had discovered
Q marked suicidal tendency. and he won
dered how IL could have be~n done so he
hal asked the Doctor
Yes. II IL the little thing that mAkss one
suspicious, said the General Manager. as
che Doctor finished speaking 'Som"tim"~
there 10 nothing definite on which you can
Nf,n sipnplv fssl hat
something " wrnns
-Sometimes you act on your feeling and
sftrrward rgrrt II Some,imes you do
not aa on II and r~cr~t II mo~
I r-m-nt-r a ca>e that came under nv
p~rroaal management few wears ago
thai ilhvs rates tho point. The application
vas from little place up near Toronto
TIE man was wood chopper. a great
Grappins. healthy young fellow. only -
or n yea~ old. and Il seemed an ideal
r~k
'The application ~as for only o. 600.
and IL did no, .e~m TIA, 'hers could b-
anvthins wrong about q cas~ ths, involved
such q small amount There was only
one ouriou. thing about IL. T,s hsne-
nciary named in the application wns the
uncls Of the young man, and he wa- to pay
Tho premiums
Il know that 10 frequently done merely
o. an investment. hut this time something
about Il struck me ss wrong and turnsd
the application down.
, well. the Agent wns mad. He wrote
about the sAs~ieet letter I think I ever got
He said II The company wn- going 10 turn
down such risks for uo reason a, all. but
tisf from whin. he was glad 20 find IL out
nA xn,,li .tsiit IN "A not n a
company that was run on business prin-
eip,es The end of I, was tha, the dir-ctors
tcok the cass up At the next meeting and
vuted 20 issue the policy.
That was in March. In 0ctobsr ws
70; notice of the death Of the young man
The proof Of loss fled showed .ha, he
had been at work in the wood.. when . trrs
had fallen and killed him II s~-rned TO
b. all straight. hut didn't believe H.
Il said az much TO some ~ the directors.
and w. started an Investigation The de-
tective agency sent two m-n who wer~
supposed TO b. pretty cute felow~ UP 'hers
ard they stigated for about two weeks
Then they came back and told me IL
vas all right the young man had died a.
had hem reported. and IL was w IN Va Ia
pay the policy The directors were eAtis-
anu Halu lfN " kO, OUT sprl9 nov Wu
not yet convinced
There was q yuune man In my offce
whom had sent out on such cases few
times before and who had been very suc-
ceasf,ll. told him what I thought and
What wanted. and then said that II hs did
not ~, the real fact. In the ca-e he need not
come hack tn the once. for We should have
N further need ~ him. W. wanted men
~ -
they got the chance
-On he went. and wa~ sons two weeks
Then b~ came back and corroborat~d what
tie professional de,ective- had sAid
Then II was my turn 20 get mad All
This oorroboration only made me the more
certain that II was q fraud | didn, have
any notion ~ TO the manner in which IL
had hssn worked. hut knew that ther~
vas skuldugsery somewhere
Il told nv amateur dctsctive that he
nerd not come back 20 nv offio- any moro.
that I had m uss for him He was trs-
nendously cut up about it and told pitiful
story about having family to provide for
and all that. and wound up by asking for
one mor~ chan~
He said he would go back up ther-
and this time he would fnd out what the
Bo | gave him the chance. and away he
Went again.
This time he was gone Ave weeks and
meantime the beneficiary was pressing for
payment OF the policy But | stuck Il out
and the dir~'tors stood hy IN. and the
policy was held up on one pre'eNt or an
other, - AZ not 10 make the J,-pple siir-
picious Of what We we're trying 20 do
Al last my man came back. and what
% you think hs had found uut' The thing
vas murder. that's all
He had gone up there dl-gyis.,i 80 that
thc peOpl" he had talked with he hfst time
should not recognize him, and had managed
o. get yoh a- "a WupdChppp"r from the
man we were 'rying To- Investigate.
lie went down Ia the wood .u, where the
tree VIZ said To- h1v. iaI"r Rud KILLED the
man We had insured. bat couldn't fiud any
thing about u lat l,uk,'d a. Il II had killed
. man But IN the old mans hsrii he found
On axe That was stained with hi'-pd Some
other ihingS he found oct ths, h-iIIed out
the case
We -~nt all he facts We LaT up 20 The
arhoritis- their ami they had the bod,
Of the young man eShuni'-i Then lt cam.
out AT once, for his mead had teen spit
open with an axe
The old man and anOt h-I ueph.v were