davidaulloa/AmericanStories huggingface dataset:
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1903-11-26

is teaching many Of the members OF
such societies the wisdom of old
line" or level rate insurance. Inc
rrcgress of the life insurance idea is
therefore general and, comparatively
speaking, rapid. AS a measure OF It's
recent growth, the old line life insur-
ance written in Minnesota in 1902 was
over $33,000,000, as against $24,0OO,-
900 in 1900. The increase In this state
has been twenty-four-fold in twenty
five years.
One class of life insurance unknown
In this state in 1878 is that termed in
dustrial insurance. This is life in
surance in small parcels for such as
cannot afford to take 1t in $1,000 lots
and upward. This has been in opera
ton in this city but eighteen years.
This is primarily designed to give pro-
lection to the working classes and peo-
pie of smaller means. No separate rec
ord of this form of insurance was kept
on the books Of the state insurance
commissioner until the year 1S92.When
about a. million and a, half dollars
was written. Last year the number
of new industrial policies written in the
state had reached about $4,000, rep
resenting about three and a quarter
million dollars. During that year the
rev ordinary insurance policies num-
bered about 1880 and represented
about thirty and a fourth million dol
lars. That is to say, that while the
number of men newly protected by
industrial insurance in the state II
1902 compared as nine to seven o.
those newly written into the ordinary
insurance class, the amount of tnsur'
ance per capita in the ordinary class
was about ten to one in the indus
trial class. Or, in other words, the
average policy issued in the ordinary
class last year was for about s1,720
while that in the industrial class was
for about $143.
In Minneapolis industrial insurance
has trebled in the past five years. It
policies are issued on ages rangins
from to 70 years. The premiums
range from to SO cents weekly, ant
the policies in amounts from SIS t.
$500. The premiums are collected b.
agents of the company, who maxi
weekly calls at the homes of the pol
icy holders for this purpose. The pay
ment Of death claims is made at tn
| Minneapolis offices, as to avoid de
| lay and consequent distress to the fam
| tiles Of the insured. These claims ar
usually paid on the day they are pre-
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1903-11-26

vHE GROWTH Of life insurance
in Minneapolis in the last
quarter-C century is not a
matter Of accurate record,
but a fair idea Of the facts
can be obtained by glance
or Its growth in the state and it's de-
Velopment among agencies in the city
While American life insurance is
something more than sixty years DID,
and has been business of good large
and healthy growth during the great
CT part Of that time, it has made it's
greatest growth during the last quar-
ter-century. 1t has never before the
present been so generally conceded to
he safe, profitable investment. In
this country, as a whole, there is now
upwards of fifteen billion dollars of
life Insurance in force. The good eff
feet Of this method Of investment is
shown by the fact that at the present
time more than three-fourths of the
ltgacies left in the United States are
in the form Of life insurance death
benefits.
Minnesota has taken her full share
In this line of investment, as Is shown
by the records of the state insurance
commissioner. Twenty-Five years ago
that Is during the year 187S-there
were written In this entire state, but
$50 new lie insurance policies on the
old line plan These policies repre-
sented $1,364,954. To-day single agen-
cles III this city will write this amount
or more in ono year, and more than
one agency will much surpass it. The
total business written in this state In
1905 by old line companies is re-
ported as being $35,5O5,8S4, for which
40,525 policies were issued. This rec
ord does not include the insurance is
sued by fraternal societies, nor that
written by assessment companies.
The fraternal insurance written in
the state of Minnesota during the
year 1902 amounted to more than 81 g.
100000. The premiums paid for this
class Of insurance in the state that
year amounted to $1,371,294, exceeding
those of the previous year by $116,527
This class Of insurance Is in a way
beneficial, tho not as yet on a wholly
safe basis. It has probable done more
than any other agency to teach the
masses the need of insurance. Just al
the present time many of the largest
of these fraterna1 societies are recog-
nizing the lack of longevity in thell
plans and are raising their rates tt
meet future demands. This movement
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1903-11-26
taken in the evolution Of the insurance

1Qed.
Health Insurance.
This Is an insurance that has been
taken up by old line companies only
within the past three or four years,
and Is yet at best in an experimental
stage. In this line the moral risk is
so great that the insurance must
either be hedged about so as to make
it unsatisfactory to the honestly sick
policy-holder, or 1t is coupled with
accident insurance SO as to increase
the business of that form Of insurance.
In the latter case it has been found
at least self-sustaining, and to the in
sured a very satisfactory form of pro-
lection. This insurance is represent
ed in this city by a few very reliable
agencies. Their business is growing,
too, with very reasonable ,rapidity. In
1899 this entire state paid but $434 for
health insurance. Last year this had
grown to $4,000, from which more
TRAN $4,000 came back in the way
Of sick benefits, thus leaving, as will
be seen, a very narrow margin on
which to transact the business and
provide against contingencies.
Credit Insurance.
One line Of insurance that has
sprung up within the latter half Of
the last quarter-century is credit in
surance. This is represented in this
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1903-11-26
WARREN Nj. HORNER
District Manager, the Provident Life
and Trust Company of Phila-
1o1nlisa

The above mentioned gentleman has
been a resident of the city since 1898,
during all of which time he has been
engaged in the life insurance bust
ness. He has been in charge of the
Minneapolis office of the above
named company since 1897, and has
also been an active member in the
local Association of Life Underwrit-
ers, serving as secretary of that body
for several years, elected at differ
ent times to the board of directors,
and is now it's president.
Mr.. Horner's business has increased
from year to year until 1t now reaches
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1903-11-26

they have done a very thriving bust
ness. The state has recently under
taken a kind of land title insurance,
which may have checked the multi
plication Of new companies, and from
the records of the insurance commits
sioner seems to have checked the in
crease of the business done by insur-
ance companies already in commits
sion. But it has not demonstrated
that there will be no further need
fer this kind of insurance by private
corporations.
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1903-11-26

GROWTH Of life insurance
in Minneapolis in the last
quarter-century is not
matter of accurate record,
INA but a fair idea Of the facts
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1903-11-26

the just claim of being as large as
any other life insurance agency in the
| twin. cities.
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1903-11-26
PUBLIC HEALTH
First Considered in 1878, Wher
Sanitary Measures Were
Taken.

Minneapolis has always been known
as one of the most healthful cities
in the country; yet, twenty five years
ago, her means for caring for the
public health were meager in the ex-
IRENE. There was no city hospital, no
regularly organized health department,
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1903-11-26

600, and is amply provided against any
disaster by it's tangible assets Of over
$1,000,000. Its plan affords splendid
opportunities to any who might desire
Minnesota territory. .
The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1903-11-26
LIFE INSURANCE
IN THE NORTHWEST

Wonderful Growth and Development Of Life
Insurance in IS Years---A Necessity in Bus
iness and Safeguard of the Home---Fra-
ternal Observation-Disclosures insurance.
Health Insurance.
The Topeka state journal. [volume] (Topeka, Kansas) 1892-1980, 1903-02-16
U. o. PENN. ATHLETIcs.

The University of Pennsylvania track
team recently reported for winter prae-
tee Handicap games are being held
each Saturday and to gain experience
the team Will be entered in various in
door meets during the winter months.
Or. Shell. the coach. expects to deTel-
op a team to win the dual meets from
Cornell and Columbia and has not Civ
en- up hope of landing the intercollegi-
ate championship in the spring. For
the relay races the red and blue is par
tieularly strong. All Of the members Of
last years two mile team which broke
the record viii be eligible again DR.
Shell looks for Orion, Klahr Smith and
Gill to surpass their last years per
Torrance
The four mile relay team also re-
mains intact. It is composed of Bowen.
Russell. Standen and Bailee.
The mile relay team viii be broken
up, but with Westney. Abbott. Taylor.
Seer and Blgelow as a nucleus a strong
mile team should be a possibility.
The Topeka state journal. [volume] (Topeka, Kansas) 1892-1980, 1903-02-16

strictions to that law. except the laws
OF nature-death. and human choice
which, like the law of supply and de-
mand in commerce are the only true anC
rightful laws? No There is great rea-
son to believe that those who search in
the light of divine revelation on this
subject viii find that the divine quail
fications of marriage are first moral
and spiritual" These in their fulfill
ment must and viii bring about certain
necessary temporal adaptabilities.
Would it not be just as reasonable
to deprive any sane man of his right
indisputable fact that the gospel com .
mands concerning certain physical ills
are directly contrary to the established
laws of the medicine DOCTORS Cor
Z, .. ! Tim. 4:3 Just how much men
may suffer mentally and physically
from ignoring these divine remedies may
yet remain for men to discover.
Another undisDuted fact of history Is.
that whatever condition OF men and
society that has hindered the progress
Of lawful marriage has increased vice
and wickedness. Are drunkenness. lying,
thieving, perjuring, even as good as
spasmodic mental and physical all
ments? In themselves there is no Grim
inal offense, and never has been in the
eyes of the law. in mental and physical
ailments
Would it not be as reasonable to for.
bid marriage of any one who has been
guilty Of getting drunk which is moth
ing more than temporary insanity
Would not the same rule apply to Grim
inals OF any and every class2
Yours for mercy's sake,
I. d. HALDEAAN n.
The Topeka state journal. [volume] (Topeka, Kansas) 1892-1980, 1903-02-16
NATOMA,S BOOM.
Osborne County Town That Is Show
ing Substantial Growth.

Natoma. Feb. 16.-All of the wheat
growers in this vicinity call attention
to the large acreage sown and the fine
prospects for the yield at this time.
Natoma is in Osborne county. and this
county is way up in her yield and acre
age in wheat. Besides, the country
tributary TO Natoma is unsurpassed for
crops if the elements will give her far
mers an even chance.
Probably close to 5000 head of cattle
tributary to NatOma is roughing it
this winter. One feeder alone, L. Y.
Mint, has over 600 head near the town.
The Union Pacific agent here says if
teen cars of stock We're shipped from
Natoma in January.
The town itself is thriving. It has
three elevators, bank. lumber yard,
hardware and implements, drugs and
general stores Besides hotel, churches
and school house. The older scholars
of the school. together with outside help,
are going to give performance for
the creditable purpose of raising means
to buy an organ AS regards her news
paper the office force are resting up,
and didn't issue last week. In fact, the
Courier plant is for sale, and while the
Natoma business men want live
local newspaper, they wiz refuse in the
future to patronize any tramp printer.
NatOma viii be connected by tele-
phone this month with Osborne City,
the county seat Soon they expect to
be connected with all the outside world
with the line that is now building. So
wideaWake a town as NatCma deserves
all the good things any place can get.
Geo. S. yelling, one of Nationals
pushing citizens and representative
business men, is branching Out-lnto
lumber trust. so to speak. Besides be-
ing connected with yaros in Natoma.
Palco and Russell, he has recently
bought the yards in Waldo and Luray,
and when asked why he didn't go after
others he answered by telling them
that his money gave out too soon.
Natoma will do her share in building
up and beautifying this year Several
buildings. both residences and bust
ness houses, are in contemplation for
the year
one of the pleasant events of the
Natoma school, not exactly down on
the years term, was the marriage OF
the school superintendent. Paul D
Scott to Miss Sadie Krosh, occurring
al the Presbyterian church Sunday
evening. Scholars and friends shower
ed the happy pair with many useful
presents.
The Topeka state journal. [volume] (Topeka, Kansas) 1892-1980, 1903-02-16

The tournament committee has an
nounced the list of prizes that viii be
bowied for. amounting to s1,770. In ad-
dition medals will be given to each of
the winners of the different events To
the player that scores most pins in all
three events Mayor Bookwalter will
give a special prize of 500 cash.
There are nine five men team prizes,
running from S225 to SIS; fourteen two
men team prizes, from SIS to $40, and
eighteen individual prizes with
amounts ranging from $50 to IS. Nine
hundred and twenty-five dollars win
be distributed to the teams, $40 to the
doubles and s405 to the individuals.
This is the guaranteed list of awards.
and it will be substantially increased if
the entries warrant. Eighty-five per
cent of all entrance money received
over $1,000 will be added to the prize
list. FREDERICK r. TOOMBS.
The Topeka state journal. [volume] (Topeka, Kansas) 1892-1980, 1903-02-16

BowIers everywhere are greatly inter-
ested in the discussion of the pros and
cons Of the loaded ball The high
scores made possible by the innovation
have won the ball many supporters
among the active competitors. and the
opposition is haEing a hard fight for
existence.
Those objecting to the ball say that
players using it do not practice as
much as formerly and that the wear
and tear on the alleys and pins mate
rally reduces the profits of the alley
keepers. Certain it is. however that
high scores are made with it without a
The Topeka state journal. [volume] (Topeka, Kansas) 1892-1980, 1903-02-16
AN OPEN LETTER.
I. D. Haldeman Discusses Proposed
Marriage Reform Laws.

Inasmuch as a bill is now before your
honorab BILE body intended to restrict mar
rage of persons who have been men
tally or physically unfortunate. we beg
of you a little consideration Of certain
divine truths and teachings along TINS
lie.
we have been told repeatedly (times
too numerous to mention) by the ad-
vocates of the law of our so-called free
country. that our laws are based upon
Gods holy book C'the perfect law of
liberty') We hope they are. and hope
they VIII continue to be. Let US read
Gods first commandment to man
Gen. I. parts of 27th and 2sth verses.
Male and female created He them And
Cod blessed them. and God said unto
them be fruitful and multiply and re-
pIenish the earth" In nearly six thou
sand years, through the administrations
of the law and the gospel. has He ever
recalled or nulifed. or made any re-
The Topeka state journal. [volume] (Topeka, Kansas) 1892-1980, 1903-02-16
BUDD GOODWIN, STAR swIMM ER.

One of the leading water polo players
and speed swimmers in the country is
Budd Goodwin of the New York Ath-
letic club In recent races in the splen-
did tank of the we'll known Mercury
foot organization he has closely ap-
preached championship time. and his
many friends and admirers look to see
him lower several records before the
present year ends. Goodwin is also q
splendid distance plunger.
Goodwin is one of the mainstays OF
the n. Y A. c. water polo team, the
admitted champions of the country
His brother, v. de P. Goodwin, is also
prominent in the clubs aquatic affairs
Although Budd Goodwin is not yet
twenty-one years old he weighs 100
pounds and is feet / inch tan. AS an
all round water polo player he stands
without a superior. While playing on
the old Knickerboeker Athletic club
IN. V team-six year champions
The Topeka state journal. [volume] (Topeka, Kansas) 1892-1980, 1903-02-16

If you want to have good, strong
muscles, you must do what the success
full pugi1ists and athletes do. A fine
muscular Development powerful arms
and legs, broad shoulders, sinewy back
and well-developed rarely comes
of itself. It is a matter of elf-develop-
ment Plenty of exercise, and regular
rub-downs with Omega Oil, will put
almost any man in the possession of
fine physique.
Jefries, Fitzsimmons, Rubin, Shar-
key, Corbett, Mccoy, Kid Carter, Young
Corbett, McGovern, and every other
pugilist that amounts to anything, all
use Omega Oil as a rundown.
If you want to know what bicyclists
say about Omega Oil, ask Frank
Kramer, Major Taylor, Jimmy Michael,
Harry Fixes, or Bobby Walthour.
Ask any famous baseball player, any
s2 Omega Oil is good for evsryth
The Topeka state journal. [volume] (Topeka, Kansas) 1892-1980, 1903-02-16
For the Muscles

famous jockey, any successful football
player, any college athlete, what his
favorite rundown is, and he will tell
you Omega Oil.
These are good, honest, straightfor-
ward facts, without any strings to them.
Nobody was ever paid a cent for indors-
ing Omega Oil. It does its own work
so we'll that an athlete has to use it, or
fall back in the procession.
Take any sort of exercise you please,
but be sure to use Omega Oil as a rub
down afterwards It freshens the
muscles, strengthens them, removes
stiffness and soreness, and gives a man
great endurance, SO he can run or walk
or jump or ride or fight, if need be,
without getting tired easily
There is nothing like Omega Oil for Strengthening
the back, shoulders and limbs It IS the best Of all
rub-downs. FRANK T. KRAMER
National Champion Splinter Of America.
a Iiniment ought to be good for
The Topeka state journal. [volume] (Topeka, Kansas) 1892-1980, 1903-02-16

the penalties of fame, and Munroe and
his professional "talkistr are to be sym
pathized with in this their hour of sor-
row and publicity
Despite repea ted denials from wit
nesses Of his bout with jeff, Munroe
still insists that he really did knock
the champion off his pins and further
adds that the Jeff-Fitz combination Of
fered 81 coo in real spending money to
keep the report of the Touchdown from
being circulated throughout the coun-
try.
Munroe says:
7 have been promised a fight with
Sailor Tom Sharkey in July I feel
that 1 can make good showing
against SharkeN and am confident that
I Will make good in every sense of the
word. At present [ would not take on a
match because know L need develop
ment in science and footwork. I have
the strength and the nerve. All need
now is the knowledge to use them ef-
fectively. The fight with Sharkey will
take place in Butte. 1 want to fight in
my home city so that my friends can
see the match. 7 VIII not fight any
where else in making my entry into the
professional heavyweight class.
All this talk to the effect that I did
not knock down Jeffries in our bout Is
bosh. I sent him 10 the floor all right.
and while I don't say I could do it
again in four round match. 1 am not
afraid of the champion. and my show
ing against him was not a fiuke on Ell
Their side. He did his best. and I did
mine"
During the next two months Munroe
will tour with q theatrical company
and at the same time win develop his
boxing ability by working with a spar
ring partner.
The Topeka state journal. [volume] (Topeka, Kansas) 1892-1980, 1903-02-16
JACK sIunroe and Ton sharkev.

had an interesting talk with Jack
Munroe. the Montana miner-boxer. a
few days ago and incidentally donned
the mitts with him for a few minutes.
The big miner has a, stiff punch. espe-
cially with his right, but he has even
less science" than Tom Sharlav.
Munroe is q seemingly modest man.
He is temperate and does not boast of
his exploit in Butte when he stood off
Jeffries for four rounds. He prefers to
let his manager Clark Ball do the
The Topeka state journal. [volume] (Topeka, Kansas) 1892-1980, 1903-02-16

great deal of dihleulty. and professional
bowlers win not give up without strong
protests.
Should the American Bowling con-
gress. which meets IN Indianapolis in
the latter part Of this month. pass
rules prohibiting the use of balls over
a specified weight. say sixteen pounds.
it is more than likely that another rev.
olution against that body will be
started.
The Topeka state journal. [volume] (Topeka, Kansas) 1892-1980, 1903-02-16
j. f. Sullivan
On Athletics


talking. and the latter's success as a
heavyweight 'talkist can well be
judged when it is known that during
the last five weeks Adunroe and his
manager have had devoted to them in
the enthusiastic newspapers upward of
Is 763. 021 columns of interviews and de-
scriptive matter. most of which was
printed in red ink. But this is one Of
The Topeka state journal. [volume] (Topeka, Kansas) 1892-1980, 1903-02-16
MISS BUCKEYES COSTUMES

May Buckley. leading lady of James
O'NeiHs The Manxman" company,
believes in the importance OF accurate
costuming- She recently sent an order
to a dressmaker in the Isle of Man for
a complete set of costumes for her role
Of Kate Cregeen in The Manxman..
The Topeka state journal. [volume] (Topeka, Kansas) 1892-1980, 1903-02-16
BOUND FOR MExICO.
Arnold, of the st. Louis Investment
Scheme, Going South.

st Louis. Feb ia dispatch from
Parsons. Kan. states that f. J. Arnold.
president Of the Turf Investment COM
pany. passed through there Saturday on
the Katy Eyer, bound south He was
identified by Manager Meyers of the
railway dining room. who has known
him we'll for two years. Arnold told his
friends that he was going to Mexico to
escape prosecution
The Topeka state journal. [volume] (Topeka, Kansas) 1892-1980, 1903-02-16
Opportunities
In the South.

No portion of the United
States has made greater
progress in the last year
or two than the South.
Northern and foreign cap
ital is rapidly invading
that section, finding prof
liable investment in the
various industries and
factories that are being
rapidly developed and
built. The great influx Of
settlers is creating an in
creased demand for lands
of all kinds and prices
are gradually advancing,
as they viii for years to
come Work is plentiful
and poverty practically
unknown. Alabama is
supplying coal and iron
to all the world. More
money can ne iIAcQE anu
with less labor in the
raising of small fruits
and berries and in truck
patching on the Gulf
Coast than in any other
state in the Union. Straw
berries from Alabama
reach northern markets
before those from the
states in the southeast.
Cattle can be raised with
great profit. there being
millions Of acres of cheap
range lands. If you are
interested in the south
and its resources and de-
sire informa ton on any
subject, address
q. A. PARK,
General Industrial
and immigration Agent,
Louisville & Nashville R. R.
LOUISVILLE, KY.
The Topeka state journal. [volume] (Topeka, Kansas) 1892-1980, 1903-02-16

City Ticket Office. Union Pacific
Railroad, 525 Kansas avenue.
The Topeka state journal. [volume] (Topeka, Kansas) 1892-1980, 1903-02-16
S4.62.

Wichita and Return via Rock Island
System
Account Grand lodge A r & A. NJ
Tickets on sale Feb II to 18th. return
limit Feb 21st- Three through trains
each way
Wichita and Return $4.e2 via Santa
Account grand lodge A. F. & A. NJ.
Tickets on sale February Il to IS
The Topeka state journal. [volume] (Topeka, Kansas) 1892-1980, 1903-02-16

Omega Oil for everything Hnimen ought be good for