The Montgomery advertiser., 1904-02-21
ALL SORTS OF RISKS
ASSURANCE COMPANIES FORM. ED FOR A VARIETY or
 PURPOsES.
One Need Not Suffer Loss from Dis ease, Accident or Dsath-Adelina Patti Has a Guarantee Her
 Voice Will Hold Out.

Chicago Chronicle. ,
 Tn this proeressive and utilitarian age if is possible for any individual to insure himself against serious loss in any un- derthkinx fin which he may chance to engage. Losses by fire, flood, hail, explo- sion, sickness, dedication or death may be provided against by the payment of a small sum annually into the coffers of some one of the great corporations that make insurance a speciality. One of the most unusual risks ever assumed by an insurance company is that in behalf of Mime. Adeline Patti. whereby the noted singer Is insured against pecuniary loss if she, ''loses' her voice during her pres ent "fareweli'' tour of the United States Under the conditions of the policy she is to get 5000 if she cannot sing at any one of the concerts.
 Another policy guarntees the diva s50,- 600 on the whole tour in the event of per manent and total loss of voice. In addi- ton the singers manager has third policy insuring the health of Mime. Patti during the various engagements of her American contract. The latter policy Is for the personal remuneration of the manager should the prima donna's health break down and prevent her from filling her professional engagements The voice" policies are her own investment, and she personally paid the premiums. :.
 All three risks were underwritten by Lloyds, in England. and unlike many the atrical ventures there has been considera- ble endeavor on the part of those interest ed to keep the policies a secret.
 Few Details Are Known.
 For this reason some of the details are difficult to obtain. It is known. however, that the corporation that assumed both voice" liabilities subjected the singer to most exhaustive throat examination. and that celebrated German specialist was called into the medical conference, The throat of Mime. Patti was reported to be in the best condition, but the under writers hesitated for some weeks because of the doubts of the doctors as to the rigors Of an American winter. It was made mandatory on the part of the sing CT that in the event of her being unable to sing she was to cable her address irn- mediately, that the insurance company might have the privilege of communica- ing by wire, for purposes of corroboration, with any physician 1t saw fit in any American or Canadian city that she hap pened to be in at the time. She Is also to furnish at her own expense affldavits from the three leading doctors as to the condition of her throat. This is the first known instance in which singer has in-
 ANNSSSAk ASdHlSt pO5SlDte mOmentATY loss through her inability to sing because of voice failure.
 The representative of a successful firm Of underwriters said yesterday that with. Tn the last few months hundreds of policies have been issued against illness or death from appendicitis. The fact that the treatment of appendicitis can rarely De successfully accomplished at home, except at enormous expense. Is said to be the chief reason for the de- Sire of many to insure against partial pe- cuniary loss from the disease
 Risks Taken in London.
 London is at present upset hv m s,,. depic of measles and scarlet fever and the insurance companies have begun to taKe risks to ward of loss from victims pr these diseases. Last week five lofds ana twelve prosperous bankers availed themselves of the chance of insurinR un- ger these special c uses. English ,,n- aerwriters have for several years writ ten many odd risks, but insurlnR against diseases is new and has cau&h 6 the town.
 rake out a policy for measles" or Are you insured against scarlet fever?" are common expressions of the Strand and music halls. v@& rr
 The custom of taking out a policy on sne nfe of, some great public man. much on the order of buying a lottery ticket in rtaVana or chance on race horse at New Orleans, has been a long-honored one in the English capital Just where the limit for odd insurance comes in is A Vexed question. Hundreds of thousands or pounds are paid each year in premiums In English companies to spectators gambling on the lives even of Indian princes. of whom the intended bene- nciaries know almost nothing and the in- suraIce companies little more. Another Ieature Of several small companies is an Insurance against habitual drunkenness, whereby a man may be insured against