The Washington times., 1907-08-25

admitted. "Sut you are day late.
and don't see what can be done
You see. we have to be very strict
may be an apparently good excuse for
n0n-payment
Rogers was not good at fence.
do you mean 10 say" he half-stsm-
mered, that you're going 10 refuse
this premium when the fault Is In this
office? You sent that notice TO an old
address, although you had the correct
one, and had been sending mail 10 II
for three years. I'll see the general
manager"
The general manager himself. salary
sioo0a year, was more bland than the
cashier.
That Is such a pity" was his sym
pathetic murmur when Rogers and
the cashier had explained the situa-
ton. But what can we do? We are
bound by rules which We cannot alter.
The policy was Cancelled yesterday.
You see, Mr.. Kent's policy is merely
an indemnity policy OF the simplest
form, having no equities remaining
after a premium due remains unpaId,
The only way to secure a reinstate-
ment Is TO obtain certificate OF health
for Mr.. Kent. and that, I fear may
be impossible
HEALTH" gasped Rogers. Ps he rose
before the unctuous little man. 81 tell
you he's lying at the point Of death,
as he has been for weeks, uncon-
seious or delirious half the time. This
policy Is ali he's got. He's been carry
ing IL for eight years. There's a big
family. This looks like fraud 10 me.
Why did you send that notice 10 the
wrong address?'' The sentences came
hot from his anger.
Now, my dear 'dr. Rogers" eau
toned the manager
Don't do Us any Injustice, 7 pray
you. The Equinoetial is one OF the
largest and most respected financial
institutions In the world. II Is unfor-
tunate, most unfortunate, that some
clerk Transcribed the wrong address In
this Instance. but I may say that life
Insurance companies are under no obli-
cation TO send any premium notice
whatever. They do il merely as a
courtesy to their policyholders. But
the policies contain no stipulation for
notices. and the debt is due when Il
is due. II is the business OF the
poiieyholder to arrange for his pay
ments, not our business to remind him
OF them"
Rogers left an oath behind and car
ried his notice, his gold and his rage
with him back 10 the office.
Judge Scion Thorpe was friendly
lawyer, once in general practice, and
now counsel for another life insurance
company. To him went Grayson, when
Rogers told of his failure, to bespeak
advice.
You've got a case" Judge Thorpe
declared. after he heard the whole
story, IF Kent dies. Any jury would
give you verdict for the face OF the
policy without leaving their seats. Ths
use OF that old address on the notice
al such time. after three years OF
using the right one, is moral evidence
OF intent to defraud by diverting the
necessary warning from such friends
as might pay the premium. Mr.. Kent's
sickness has been commonly known
for two months. Evidently the Euui-
noctial thought It had a death loss com
ing, and tried to stand from under.
Yes" meditatively. "Pd like TO argue
that case before jury. Policy CAL
ried eight years, wrong address, sick
from service in the Philippines. those
cartoons that made US all laugh, fam
lily, billion-dollar corporations think
I could get a jury to recommend hang
ing the president. general manager.
and directors. But they've got lots
OF money, and when they appeal.
they'll get one new trial on error, and
another on some other technically,
and it Is true that they do not have
TO send notices. Better try moral sua-
sion first Mr.. Grsyson, without a law
yer. Can't you newspaper boys think
Up something
And Grayson said they would try
The office of the Equinoctial was a
dream of commercial beauty, in mo-