New Ulm review. (New Ulm, Brown County, Minn.) 1892-1961, 1903-11-18
POLICY DID NOT PLEASE
Cambria Man Says Insurance Was
Misrepresented.
Repudiates a Note Given to Cover
First Premium.
Special Agent Brings Suit to Re.
cover On the Paper.

An unusual insurance case came to
light last week when John Norman OF
st. Paul, special representative for
the New York Life Insurance COM
pany, served a complaint upon D. L.
Williams of Cambria, in an action
brought to recover the face value of a
note given by the Blue Earth county
man. The sum of 1925 is involved in
the litigation, this being the amount
OF the first premium upon $40, 900
life policy. A note which was given
by Mr.. Williams has been repudiated
by him, he claiming that the policy
was misrepresented by Norman.
The case originated in August Of the
present year. Early in that month
the insurance agent, accompanied by
P. Liesch, a local newspaper publish
er, drove out to the Williams home in
Cambria, where the printer is said to
have introduced Norman to the owner
of the farm. Norman explained to Mr..
Williams the advantages offered by his
company and after a short converse
ton the latter agreed to take a policy
for $40, 900 and gave his note for the
initial payment.
After thus committing himself, Mr..
Williams discussed the matter with
another insurance dealer and then
learned that the risk he had purchased
was not what he thought he was buy
ing. He alleges that Norman con-
tracted to write what is known as a
twenty-payment life policy, while in
reality he was given an ordinary Life
policy on the accumulation plan; the
difference being that with the former
his payments would cease after he had
deposited twenty annual installments,
while with the ordinary life he would
be compelled to produce the premium
every twelve months until such time
as his heirs would realize on the face.
His discovery led him to decide. that
he would refuse the policy but later,
SO the story goes, it was delivered to
him in a manner which was, to say
| the least, uncermonious. When Hor.
man learned that Mr.. Williams was
dissatisfied with the proceedings be
came to New Ulm and made the Cam.
bria drive. Liesch again lent weight
to the occasion ana the twain encoun
tered Mr.. Williams on the road
Thereupon Norman attempted to ar
que the matter but his Establishments
proved futile and, in the end, he liter
ally forced the policy upon the insured
by pitching it into his wagon.
After Mr.. Williams refused paymen
on the note the holder placed it il
the hands of an attorney and las
/ Wednesday complaint was served
upon the defendant. This documen
declares that the paper was issued il
favor of the New York Life INSURANCE
company on Aug. IL, 1908, and wa
made payable at the New Ulm Stat
bank two months after date. Tn
consideration, it is expressly stated
was for an ordinary life policy on tn
accumulation plan in the amount o
$4,000. Before the note matured, tn
complaint says, the policy was delivered
to the insured and the note trans
ferred from the New York Life In
/ surance company to John Norman, tn,
present holder.
It is understood that MIR. William
will set up the defense that the in
surance was fradulently presented Il
him and also that he was given tt
understand that the paper he wa
Esigning was not a note Norman, b,
alleges, put the thing before him il
the light of a harmless sort of du,
bill to be signed more as. matter O
form than to be really binding and
believing it such, he attached hi
signature.
Attorney Albert Pfaender will con
duct the case for the plaintiff, Will
the defendant has retained Hoidale {
ESomsen. The action will probably b
tried at the December term Of court