The Salt Lake herald. [volume] (Salt Lake City [Utah]) 1870-1909, 1902-08-03
SIXTH SENSE IN INSURANCE.
.r1sreland plain pealer.)

,,1Id detect such thing from a
Ian Vrb,-siral examination such as is
or an the ordinary application But
ualL. t-,es YOU know there are cir
.s,srauces which make d man httie
ei.L-5-ious little things, Il may be,
So sffrart his attention as the re
~ mis- experience. Or perhaps he
s1t - d sixth sense. I don't know
CO. :, is but | know il exists"
. W. we're sitting around the table
80 - club cafe where they had dined,
s. Sc~tar the general manager, the
" counsel and the man from out
8 s uho was an old friend of the
r. counsel. The general manager.
5octor and the senior counsel we're
b u snnloved by the same company,
- not unnaturally. the talk had
s - largely about the work that oc-
3 ,spied their time
- was new to the man from out
=, His relations to the company
bsen confined to the annual pay
- of his premium, and the inside
N Interested him.
1T that day he had read in a news
- account of "A great tragedy that
- b4en enacted the day before the
S-,,sment that the applications of the
- man lad been refused by the
s.nauy because the physician VINO
"a examined him had discovered a
s.rte5 suicidal tendency. and he won
- how it could have been done.
= be had asked the doctor.
.ves ii is the little thing that makes
.-, suspicious" said the general man
.-,r as the doctor finished speaking.
s5onetirnes there is nothing definite
%, ybich YOU can base your objections
t,- simply feel that something is
wrong.
sometimes you act on your feeling
ii aftervard regret il. Sometimes
,5t DO not act on it and regret it
ac-e.
az remen Der a case that came under
~ PERSONAL management a few years
-, that illustrates the point. The
s5,tiratiou was from little place up
"a. Toronto. The man was a wood
hopper. a great. strapping. healthy
-irBg fellow. only y or % years old,
snd II seemed an ideal risk.
-rhe application was for only $4,000.
and il did not seem that there could
10 anything wrong about d case that
i-volved such a small amount. There
v,f only one curious thing about il.
the beneficiary named In the applica-
zion was the uncle of ths-Soung man,
and be was to pay the premiums.
u know that is frequently done
merely as an Investment. but this time
something about IT struck mo as
wrong. and t-Iurned the application
down.
well. the agent was mad. He wrote
about the sassiest letter think I
eyer got. He said if the company was
going to turn down such risks for no
reason al all. but just from within, ha
was glad to ind it out and would quit
on the spot and so to a company that
WIS run on business principles. The
end Of il was that the directors took
h. case up at the next meeting and
voted to issue the policy.
That was in March. In October we
got notice of the death Of the young
nan.
''The proof Of loss filed showed 0lat
h. had been at work in the woods
when tree had fallen and killed him.
u seemed 10 be all straight, but
didn't believe il,
"I said as much to some of the d.
rect0rS and We started an investiga-
ton The detective agency sent two
men who were supposed TO be pretty
cute fellows uu there and they inves-
tigated for about two weeks
Then they came back and told me il
was al right. the young man hdd died
IS bad been reported, and it was UP
10 US 20 pay the policy. The directors
were satisfied and said Let il go, bat
somehow was not yet convinced.
s There was a young man in my Of
fee whom I had sent out on such
cases few times before and who had
been very successful. | told him what !
thought and what | wanted. and then
said that if he did not get the reai
nm#H l.
hack to The Office, for we should have !
no further need Of him, we wanted |
men who could see through such !
games when they got the chance.
on he went and was gone two /
weeks. Then he came back and cor
fooorsted what the professional detec- |
uves had said.
Then il was my turn to set mad
AT this confederation only made me
me more certain that il was a fraud. |
didn't have any notion as to the |
manner in which it had been worked, J
out ] knew that there was skulldug-
gerry somewhere
told my amateur detective that !
ne need not come back 10 my office !
any more, that I had no use for him. !
80 was tremendously cut up about it
and told pjtifuI story about having a
family 20 provide for and all that. and /
wound up by asking for one more |
chance.
He said he, would so back up there |
r41 this time he would find out what |
'R fraud was and how II had been !
,oinmltted. So I gave him the chance, !
and away he went again.
TINS time he was gone FIVE weeks. !
ana meantime the beneficiary was !
-reSSlng for payment u the policy. /
nul stuck il out and the directors ,
SVod by mo and the policy was held !
70 on one preteXt or another, so as not Z
10 make the people suspicious of what /
x We're trying TO do.
Al last my man came back. and |
~ - 40 YOU think he had found out2 !,
a. thlng was murder. that's all.
81, ne had gone up there disguised so /
.'lal me people he had talked with the 4
uiN time should not recognize him.
-p mad managed to get job as a
.ooachopper from the man we were /
-shS 10 investigate.
lie went down in the wood lot /
mere the tree was said to have fall (
IN ana killed the man we had insured, 1
w couldn't find anything about it 4
-, ~ iooNed as if il had killed man. 4
,-' 'n me old mans barn he found 1
y az That WAS stained with blood. 4
lAe other things he found out that 1
-e.ped out the case.
We sent all the facts we had up to {
mo- authorities there and they had the 7
guy or the young man exhumed. Then /
. zane out at once, for his head had /
IN IN split open with an AK.
me Old man and another nephew /
ere arrested and the nephew con- 4
'Nra' They We're both hanged. and 1
. u'e Scanold the old man confessed !
mere You see how it happens some
mere was nothing substantial /
Justify my opposition at the start,
~ Mhen the nnfirp nf Henfh % me