The Lamar register., 1902-09-03
A New order to Organize.


The lodge OF the Fraternal Union
Of America, which is being organized
here, liz meeting with remarkable
success, over go names having been
signed to benefit and social applica-
tions. Those who are principally in
terosted in the success Of the loc al
lodge confidently assert that over 100
names will be enrolled before the
charter is closed No date has
been set for the work OF organ
ization, but it will take place some
time during the latter part OF the
month.
Deputy Supreme President Man
ming, who is here looking after the
work Of organizing. aud who is one
of the best posted men on fraternal
orders in the southwest, says OF these
institutions: "Fraternal orders have
rsvolutionized practical insurance
by bringing about a diversity of
plans that will give person any de.
sired protection on safe and equit-
able basis. Their influence has
affected all companies-life, stipulated
premium, assessment accident assoc.
iations, etc. to such an extent that
one can get thorough business prop
sition from any reliable company.
There is no occasion for pickering
between old line and fraternal com.
pany. They have the same object in
view-the betterment of social condi-
tions by providing esta tes to unfort
nate and needy persons. The cost
is the same, practically, 80 far as
mortality is concerned, but they differ
as to expense and reserve funds.
They work in different fields and sell.
dom conflict. Fraternal insurance
is the poor mans insurance, and the
maximum policy is not large enough
for the man Of wealth. Occasionally
poor men insure in old line compan'
les, but as rule, the fraternals fur
nish the protection, for the reason
that the prospect does not feel that
he can afford old line. Frequently,
too, wealthy men insure in fraternals
but they generally have some old
line with it. We have q number OF
lodges composed entirely of business
and professional men, and have
bankers, financiers, commercial agen.
cies and journals all over the coun-
try endorsing our plan. But the
Fraterual Union of America differs
widely from most fraternal orders.
It charges a flat rate based on the
actuaries tables of the leading old
line companies, covering Q period Of
54 years observation. It was the
first order to discard the plan of as.
sessing according to the number OF
deaths aud to create fund for ma
turing its policies. 1t charges enough
to perpetuate the policies issued ir.
respective of "new blood" The
plan has since been copied by sever.
al fraternsl orders, and the time will
soon come when all Of them will get
on similar basis. State laws ara
gradually being enacted to bring
them to our standard.
although the Fraternal Union Of
America was organized before the
country had recovered from the
greatest financial panic in its history
the order prospered. Now it rankf
at the top financially, considering
membership, and its phenomenal
groth continues unabated. In . little
over Eve years, the order has paid
ont over half million in death
claims, and placed itself in position
where its maturity fund, procured
from scaling certificates, is increas
ing over $1,000 month. The ma
turity fund piles up regardless oi
the death rate.
Everyone can and should carr,
their insurance in more than on com
pany or order, and as each agen'