davidaulloa/AmericanStories huggingface dataset:
Omaha daily bee., 1906-04-01

Alfred C. Kennedy; 1.-The many new build
ings in process OF erection and in prospect
assure the insurance fraternity Of an in
crease in business during the present year
Right here IT may be well to offer a little
advice to the man who has insurance to
buy. Not all insurance is equally good and
in event of loss you want the best. Look
up the companies you intend placing your
insurance with. ascertain that they have
ample capital to provide for an emergency.
that the management is conservative and
up-to-date and that the risks are selected
and scattered oyer wide territory. Lastly,
beware Of mutuals and cheap cut-rate COM
panies,"
Omaha daily bee., 1906-04-01

e. s. weatherley of the American Credit
Indemnity company: Credit insurance,
which originated over a century ago in
England, had not been written to any ex-
tent in the United States until about fifteen
years ago. but the necessity and value of
IL has been so thoroughly demonstrated
that the larger and more progressive insti-
buttons in the United States have adopted
1t, and the volume OF business written is
increasing more rapidly than any other
form. as It is realized as being one of the
essentials in the conduct Of q business. A
great many merchants seem to feel that
fire insurance is a necessity and credit in
surance a luxury; little do they realize that
actual losses through involvency during
the last ten years will exceed fire losses by
over $S4O,OO0OO0. 1t seems incredible, but
true, and stu they hesitate"
Omaha daily bee., 1906-04-01

Creigh & Baldrigel-The insurance agita-
ton in New York is not hurting the fire
insurance companies. Our business is
much better than last year, and we are
looking for still larger business before the
close of the year. The increase is owing
to the number OF new buildings being
erected in the city and numerous other
causes. but chiefly to the general business
prosperity.
Omaha daily bee., 1906-04-01

j. B. Cunningham. secretary of the Re-
tail Merchants Mutual Insurance COM
pany; The spirit of the times points to
organization in all things, and II has
breathed on the retail merchants along
with men of other crafts and business.
They realize that fire insurance. which is
necessary, is an element of expense which
can be curtailed by a pooling of mutual
interests. and so they organize mutual in
surance companies, which reduces their
cost OF protection, and at the same time
affords them better protection. Nebraska
has eight village and city mutuals, with
out assessments, carrying over $l5,OO0O 900 in
risks on limited liability policies, and l66
farmers assessment mutuals. carrying up
wards Of 100000 ism risks.
"A Boston insurance expert says a COM
pany is on an absolutely safe basis II it's
annual income equals In amount the face
of four average policies. The Nebraska
laws, which are the best in the work as
regards mutual insurance. make any other
condition absolutely out of the question"
Omaha daily bee., 1906-04-01

J. A. woodman, McCague Block-The
insurance situation is excellent and pros
poets are good for business this year.
Rates are much lower, particularly for resi-
dence properties. There is a good call for
tornado insurance. Business properties in
surance is increasing with the growth of
the business districts. There is also a good
demand for accident insurance.
Omaha daily bee., 1906-04-01

Garvin Bros: "The insurance situa-
ton is very perceptibly improving in
Omaha. The conditions are the most
favorable along Insurance lines ever
known in the city. Merchants are insur-
ing to within fully 80 per cent Of their
stocks and buildings to within 70 per cent
of their full value. Owing to the tremen-
dous building impulse In Omaha within
the last two years the Insurance business
has correspondingly increased. The in
crease in the insurance of dwellings is
also very noticeable. While we do not do
very extensive insurance business. as
we are engaged more extensively along
other lines, we feel the big impulse of in
surance improvement. Insurance naturally
grows with the expansion of the city. The
Omaha rates are fair and reasonable and
we look for a big increase in every line of
business during the coming season, both
in real estate and fire insurance"
Omaha daily bee., 1906-04-01

Hutchinson Bollard Company-The insurD
ance prospects for the coming year are far
better than last year. The better prospect
for all lines OF ire insurance is owing TO
the great increase OF new buildings in this
city. noticeable improvement is also
manifest In dwelling insurance, and insur-
ance buyers are generally taking out larger
risks and insuring nearer to full values.
Omaha daily bee., 1906-04-01
G. w. NOBLE
General Agent
Bee Bldg. OMAHA
Certificate of Publication.

STATE OF NEBRASKA, OFFICE OF
AUDITOR OF PUBLIC ACCOUNTS;
rr re vL LSI, ,I Feb , K 1906
Union Central Life Insurance Company Of
Cincinnati, in the state of Ohio has COM
piled with the insurance law of this state,
applicable to such companies. and is there
fore authorized to continue the business of
life insurance in this state for the current
year ending January 31st. 1907.
Summary of report filed for the year end
ing December 3lst. 1906:
INCOME.
Premiums ...........S S22s,5Ss64
All other sources. 1882, 2219O
Total ............. si1O0O, 75554
DISBURSEMENTS
Paid policy holders. s 3, 3s7, 1855
All other payments. 1,966,S551O
Admitted Rtst assets as, sSis ~. & &
LIABILITIES.
Net reserye...........$ $40, 436 $500
Net policy claims. 126676.oO
All other liabilities. 71S,197.S $41, &1, sol 81
Capital stock paid up 100000
Surplus beyond capt.
tai stock and other -
liabilities ......s..... Sl29, 1851 SZ2S,4S69 ~
Total ............. s4s,5l1, 297. "a
witness my hand and the seal OF the
Auditor of Public Accounts the day and
year first above written.
(Seal) Auditor of Public Accounts.
JOHN l.. PIERCE, Deputy.
Eighty per cent of this companys assets
are invested in farm mortgages, MORE
THAN $6,OOO.O0O OF WHICH ARE HELD
IN EASTERN NEBRASKA. No fiuctu-
ating stocks nor bonds
This General Agency was established in
1882, and we have more than $4.2OO,OOO IN
SURANCE IN FORCE IN NEBRASKA.
We have several good openings for the
right agents and we invite correspondence
Omaha daily bee., 1906-04-01

Charles K. Ady. National Iife-I am
heartily In favor OF most of the recon-
mendations OF the Armstrong committee
TO the New York legislature. However. I
am not at this time prepared to express an
opinion. None of US know what the out
come win be. but am hopeful that all
VIII eQd well. go.
Omaha daily bee., 1906-04-01

Elbourn & Gibson-The insurance bust
ness has been exceptionally good with us.
AS a rule the business is encouraging and
we are looking for an Increased business
this year. Business is much better with
us than last year.
Omaha daily bee., 1906-04-01

II. d. Neely-Life insurance is somewhat
unsettled as result of the action Of the
New York legislature. New business is in
creasing and the condition is generally
good and we are hoping for good business
during the present year.
Omaha daily bee., 1906-04-01
CERTIFICATE or PUBLICATION.

CERTIFICATE OF PUBLICATION.
STATE OF NEBRASKA. OFFICE OF
AUDITOR OF PUBLIC ACCOUNTS.
LINCOLN Feb. /, 1906.
1T is HEREBY CERTIFIED, That the
National Life Insurance Company, Of Mont
pelier, in the state of Vermont, has com
piled with the insurance law OF this state,
applicable to such companies, and is there
fore authorized TO continue the business Of
life insurance in this state for the current
year ending January 8lst 1907.
Summary OF report filed for the year end
ing December 3lst, 1906:
INCOME.
Premiums ....,,.......$ 5,94S, Sls.le
All other sources zee. 1,4S,S4SO4
Total .............. S7.44l, 20
DISBURSEMENTS.
Paid policy holders. s 2s2614Isl
All other payments. 1.59o.O6946
Total ..:..;..."... :t .is.ss5
LIABILITIES.
Net reserve .,....... so, O97, 1885
Net policy Claims. U,63S0
All other liabilities. SO, 1f936 $50. 697, $40 So
Surplus beyond
capital stock and
other liabilities. s,siSlS.& 3,Hs. IS
Total ............ $s4.5l5.5s6 A.
Witness my hand and seal Of the Auditor
Of Public Accounts. the day and year hrst
e. NJ sEARLE. JR..
(seal) Auditor OF Public Accounts.
JOHN l.. PIERCE, Deputy.
Omaha daily bee., 1906-04-01

". s. Curtis, western agent of the Hart
ford Steam Boiler Insurance company
Steam boiler insurance in the United
States dates back to 1866, the idea having
originated in England some years before.
The Hartford company was the first one,
and It was organized IN 1866 at Hartford.
Conn. 1t started in a. small way, but soon
its business spread to every section of the
country where boilers were used to any
extent and now It writes insurance in every
city in the United States. The business
is handled from general agencies, as is the
case with fire insurance, and there are
branches in all the principal cities.
There are now about eight concerns OF
like nature, which do business all over
the country, and several more who handle
boiler insurance in a local way. One pecul-
arity of boiler insurance. as contrasted
with fire. is that none of the European
companies work in this country, and mono
of the American firms work across the
water.
THE principal feature, and in fact the
strong point OF boiler insurance is the
fact that boilers are inspected every four
months. II is deemed better TO pay out
money for inspection than for losses by
explosion. and it is true that only 10 per
| cent OF the premiums received go to pay
losses"
Omaha daily bee., 1906-04-01

II. A Cameron, manager OF the insurance
department of the r. G. Peters company,
said I'VE heard considerable about the
union and there is a great deal to all this
talk. Every poor company is nonunion
company, yet many good companies are
without the union. Besides these reliable
companies, there are many others, stock,
mutual and LIoyds competing for business
upon any basis they can secure 1t. As they
bear no share OF the expense incurred by
the union companies for classification, sur
veys, inspections, ratings and other mat
ters essential to the proper conduct of the
business, they nevertheless derive many OF
the benefits as do the union company. As
they share none of this cost, they are in a
position to sell and do sell their policies at
less cost, and induce many people to be-
lieve they are the cause of keeping down
the insurance rates. Instead of this being
true, IL the costs of classification, surveys,
inspections and ratings were shared equally
by all companies, the rates would be less
than they now are"
Omaha daily bee., 1906-04-01


Gordon w. Noble. general agent. New
England Mutual. Life Insurance company
Life insurance is as necessary as ever,
more necessary in fact The best asset
man can leave his family is a policy in
good company.
1.-THE present revelations and scandals in
New York may deter some men from
making this provision. but this should not
be the result. The real question for the
prospective buyer is now and should have
been in the past.
Does the company operate under wise
and wholesome/lawsr
y" Has 1t throughout its history shown
disposition to comply with those laws
fully and without evasionT
DO the results to patrons indicate man
agement of ability and integrity? In
other words has this institution character
"A company may present bewildering
array Of figures, 1t may have as directors
men known the world over, and II may
offer a policy with so many features that
there is no room for hair and still be as
sounding brass and tinklng cymbal.' Mere
pretenses will no longer satisfy. The
worthy companies land there are many
will get more business and better bust
ness than ever. They fear no legislation
in the interest of the policy holder. The
business has expanded so wonderfully that
It was not surprising that evils crept In.
Now, companies must line up for in
spection Some will pass the most careful
inspection. some must brace, the cripples
must retire and few new recruits may be
received from the hord of new companies
not coming forward. When the sitting
process is over, I think that the real life
companies will occupy higher position In
the estimation of the people Nthan ever"
Omaha daily bee., 1906-04-01

D. M. Martin OF Harris, Martin & Co.:
''The protection afforded the general pub
lie by insurance companies is multiform.
One never knows what is going to happen,
and he ought to be prepared for any kind
of loss. So there are many kinds OF in
surance to meet the needs Of the many
Here are few kinds OF insurance which
can be secured at home by Omaha people:
Fire. life, safe, rent, theft, credit. patent.
marine, tornado accident. burglary. sprink-
Ter, lightning plate glass, transportation,
tourists baggage. bank and messenger rob-
berry, tailors' and furniture foaters. physi-
clans and druggists liability. travellers
samples, fidelity, official. guaranteed attor-
neys' insurance. contract, judicial and court
bonds teams health. postal elevator, casu-
atty, fy-wheel. leaseholds. automobile, con-
tingent, steam boiler, landlords liability
use and occupancy, employers liability
workmen's collective, liquor dealers license
general liability, hold-up insurance, ac-
counts, plumbing and water leakage"
Omaha daily bee., 1906-04-01

/ Irving G. Baright. supreme president.
Royal Achates: 1.-THE principal question
now bothering the home fraternal insur-
ance companies is that of taxation of the
reserve funds. However, fraternal insur-
ance was never in better shape than It IS
at this time. We are all profiting by past
experiences. With most of the traternals
the sick and accident benefits have been
weeded out and the companies are on "A
much better basis, With the elimination
OF the special benefits and adhering to the
straight insurance feature a fair rate for
insurance contracts is obtained and the
companies are better able to take care of
the risks. / look for a great progress in
fraternal insurance for the coming two
years than ever before Where a few
years ago there was little or no reserve
funds in many OF the companies, they now
all have a big surplus. Fraternal orders
cannot do everything OF promise every
thing, but they can and are now doing a
clean. legitimate business on sound bust
ness principles. more so than ever before "
Omaha daily bee., 1906-04-01
Inquiry from a Pleased Reader.

]. r. Wells, assistant manager bonding
department. Brennan, Love & Co; 1.-THE
amount OF surety bonds in force continues
70 increase steadily in Omaha and
throughout the state, the practice OF using
personal bonds falling more and more into
disuse. The foundation OF new companies
and the competition Of old ones is forcing
the premiums down in individual value.
but the additional business puts-the total
amount ahead OF past records. The surety
bond differs In its nature from an insur-
ance policy because the principal Is
primarily liable. Losses are recovered from
him whenever possible. These and other
circumstances enable lower rate than
Is customary with insurance"
Omaha daily bee., 1906-04-01

Brewer Z. McCague manager insur-
ance department, McCague Investment
company; THE insurance situation is in
a most encouraging shape just now. 1
refer particularly to fire insurance Buyers
OF insurance are now seeking insurance at
30 and 100 per cent Of the sun values OF
their properties. and are taking out more
insurance. where formerly the tendency
VAS only rs or so per cent OF the valuation.
OF course the more insurance taken out
the better the rate. Then We have had no
large Ares here in Omaha recently Then
an advantage that Insurance buyers have
here Is that that there Is no charges made
for deficient water pressure or overhead
wiring, a. In some eities and thu eonnaE-
Omaha daily bee., 1906-04-01

shelf are TO a merchant; they are his
stock in trade. which he must turn into
profits In order to meet his obligations.
and. while the merchant stands about ten
chances in a thousand OF losing his mer-
chandise by FIRE, the records show that
the farmer stands about forty chances Of
losing his growing crops by hail. The
United Mutual Hail Insurance association
OF Lincoln has during the past seven years
sustained losses to the amount of $50 per
81 900 of insurance carried. This Is GER
tainly the largest risk OF any class of In
surance carried i'm Nebraska. and every
farmer depending on his growing crops to
meet his obligations should carry hail in
surance. The losses during the season OF
1905 were heavier than in any previous
year on record. IL being about $50 per $1,000
OF insurance carried"
II given the opportunity OF talking to all
Omaha people who carry fire insurance. G.
w. Hicks. secretary Of the German Mu-
tual Fire Insurance company. would say
I'VE have not a word to say against
eastern companies: they are good; but, be-
fore you patronize them, ought you not
first to give the home companies what
they can take care Of? other cities are
since a city solicitor OF one of our home
companies called on one Of our prominent
retail merchants and asked him for a
policy. The merchant said: No, l don't
want policy in any home company.
Stop and think OF III This man Is no
doubt a member of the Commercial club
and is shouting Patronize home institu-
tons help build up Omaha Is this right
Is this just? Is this the way to build va
Omaha? 1t takes united effort to build up
large city. 1t should be the pride of
every well thinking citizen to patronize
all worthy home institutions. All of these
home fire insurance companies are worthy
institutions. They represent capital. they
represent labor, they patronize our mer-
chants, they patronize our banks, theil
money Is all kept In Omaha and Ne
braska. Being Omaha companies, in the
event Of fire, they are on the ground
quickly and take pride in giving honest
and equitable adjustments.
THE managers and employees of all these
FIVE Omaha fire insurance companies are
with you in helping to build up a Greater
Omaha. Their money and influence is
ever ready to help all worthy home insti
buttons We are all believers in reciproc
| ity. Patronize your home fire insurance
companies; thereby help to build w
worthy home institutions and a Greater
Omaha"
Omaha daily bee., 1906-04-01

p. F. thinner. state agent OF the United
Mutual Hail Insurance association OF Lin
coin. says; Growing crops to the farmer
are what stocks OF merchandise on the
Omaha daily bee., 1906-04-01

G. l.. Smith. city manager Nebraska Mer-
camille Mutual Insurance company;
I'VE are writing a third more In
surance than last years, and the
outlook is very encouraging. There
have been fewer fire losses and our patrons
are carrying from 40 to 50 per cent more
insurance than formerly. Neighborhood
confidence is also being materially in
creased. l mean by that that insurance
buyers are having more confidence in their
adjacent neighbors, and while this may
have tendency to diminish the amount Of
insurance because OF the decreasing habll-
ity from fire through the care and caution
OF these neighbors, there is not a noticeable
dimlnution in the general amount Of buoi-
ness done. Merchants are increasing their
lines OF stock, and hence there occurs a
CORE spending increase in the purchase OF
insurance I have not noticed any partic-
ular tendency to increase the life of the
policy. even though insurance is given at a
less rate for long term. Our company
is a home concern and we feel much en-
couraged by the steady increase Of pat
ronage given us"
Omaha daily bee., 1906-04-01

ration hazard is reduced to the minimum
on account OF our wide streets. Tho
situation is improving. and 1 do not look
forward to any increase in fire rates here
Then there is a tendency to take out long
term insurance up to the Ave years limit
instead OF a few years ago Of taking out
one and three year policies The rate is
decreased proportionately by the long term
and the increasing percentage Of the in
surance taken out"
Omaha daily bee., 1906-04-01

1oLhl sssss.sssss..s SlltVzO, fOO.O4
DISBURSEMENTS
Paid policy holders. s 3, 397, 1885
All other payments. 1,966S55.10
Omaha daily bee., 1906-04-01
Certificate Of PublicA ton.

State Of Nebraska, ONCE OF Auditor OF
Public Accounts.
The Chickasha daily express. (Chickasha, Indian Territory [Okla.]) 1899-current, 1906-10-27
DIG FOR SUNKEN ENGINE.

Guthrie, Okla. Oct 25.-Rock
Island railway officials state today
that number of soundlngs have
been made recently in the Cimarron
river at Dover for the passenger
engine which plunged through the
bridge there several weeks ago. to
gether with several coaches, result
ing in the death of number of
passengers. No trace of the engine
has yet been found, but the com
pany announces its intention of re-
covering the mogul unless it has
sunk too deep iu the treacherous
sands.
The Chickasha daily express. (Chickasha, Indian Territory [Okla.]) 1899-current, 1906-10-27
WARNING ORDER

In the Uuited States Court ii
the Indian Territory, Southern
District.
S. F. Elliott, Plaintiff
VS. No. 1901
]. r. Oliver, Defendant
The defendant J. R Oliver, is
warned 10 appear in this Court in
thirty days and answer the COM
plant Of the plaintiff. 5 F Elliott
Witness the Hon J. T Dicker-
son, Judge of said court, and the
seal there )f, this 24th day of Oct
ober 1906.
[SEAL]C. NJ. CAMPBELL, CLERK.
BY J. w. SPEAKE, Deputy
Lawrence Mills, Attorney for
plaintiff
Attorney for nonresident: H. L.
Grigsby
First publication Oct. IS 1906.
The Chickasha daily express. (Chickasha, Indian Territory [Okla.]) 1899-current, 1906-10-27
FOR SALE

No. $50. block. conveniently
located, in Frisco Addition. 5 room
house, other improvements. SI25o
4 No. 248. so T65 it,, close IN,
on Illinois Ave, good groom
h use. well, barn, to be sold at q
brgain with small cash payment.
balance on installments.
] No. 247. 5ox I65 it,, good a
room house. porches, well, good
barn, well located. on and ST 5000
No. 247. so K I65, good broom
b 1rse, well. an elegant little home
on and St. 5000.
No, .745. IS I65 f., on Kansas
between Sth and 9th, at a bargain.
$500.
No. 245. On 5th and Arkansas,
We will sell you so or IS by I65
foot lots at your own price and on
your own terms. See us at once.
No. 244. 5oxI65 # ON OH ST..
6rst-class business property. SI7oo
No. 45I. In southwest portion
of city, we will sell you 5oxI65 ft.
beautifully located. at your terms,
for $3.50.
No. 452. 100 x I65 it,. the pret-
tiest vacant property in Phillips |
Addition, for $500, 15cash, balance
on time.
No. 252. Two lots 25xI65 fl. |
he best wholesale property in
chickasha, for $500 per lot.
No. 25I. IooxI65 f.. located
between 4th and sth, on Choctaw
Ave, all or a portion to be sold at
me rate of $3.50 per lot.
No. aga A beautiful home within
, blocks of Carnegie Library, oox
los it,, southeast corner, is offered
1t bargain for $4,000.
No. asa. between and and 3rd
IN Choctaw Ave, good 3 room
louse' well, is offered for $3.50.
We offer 20 you the above as
.me of our best propositions, and
would be glad TO have you see Us
i onoe.
Good & Co.,
Terrell Bldg
The Chickasha daily express. (Chickasha, Indian Territory [Okla.]) 1899-current, 1906-10-27

E. E. Colby has returned from a
trip over the proposed line of the
Oklahoma Western railway of
which he is chief engineer. The
line runs from Vinita I. T. to Des-
Moines N. M. He has finished
his work with the company and
will devote his entire time to his
work here as city engineer.