The gold leaf. [volume] (Henderson, N.C.) 1881-1911, 1907-06-20

anee in the Metropolitan for $4,000
or 81 100000. Witness saw the other
policy and it was for $4,000, this
with the $360.00O in the Virginia
Life, making $S60.OO in all. Asked
as to the apparent physical condi-
tion Of the child when witness saw
him in Raleigh the answer was that
he looked like he was all right to
him.
CROSS EXAMINATION.
On cross examination witness said
the policy was issued in March. DR..
Rowland did not seem to be very
anxious for the insurance on the
child's life. Witness told him
what he had to offer "a child of
that age, and when he decided to
take the policy, witness considered it
quite a compliment to him and his
company. Asked whether or not at
any time DR.. Rowland told him not
to issue the policy, witness said he
had sent the application to Hen
derson, thinking the child was there
or near there, and Mr.. Moss, who is
agent for the Virginia Life at that
point, said let it go by that it did
not amount to anything. In reply
to this witness said he would keep on
until he got it. DR.. Rowland had
been witness regular physician and
he owed him Il medical account.
The policy was paid for by DIR. Row.
land receipting the bill, there being a
small difference which Dr. Rowland
gave him. The premiums on this
policy could have been collected by
the week or month. 1t is the general
custom in Raleigh for parents to
insure the lives of their children.
Witness had been in DIR. Rowland s
office and he thought he had fine
practice.
| l.. ?. KIDD.
| L. p. Kidd of Raleigh, manager ol
the Observation-Disclosures Company,
was the next witness examined. He
knew Dr. Rowland; had never seen
David Austin Rowland, but his com
pany holds a policy on his life. Wit.
ness was out of the city when DR.
Rowland applied for the policy, and it
was issued while he was away
The amount OF the policy was $46O.
co. ,'at that age. The laws of the State
of New York limit the amount to a
child He informed DR.. Rowland
on his return that if there was any
insurance previous to theirs that ii
would only be pro rata for the amount
DR.. Rowland then hesitated about
takiug'the policy with rider ATTACHED
to it. The policy was issued in March
on the 18th, as we'll as witness coul(
remember. Did not think DR.. Row
land paid for this policy until April
He said he did not want the rider OF
the policy and that he wanted to pay
for it at once. Witness then wrote
to the company and asked them tt
relieve the policy of the rider, anC
they replied that they would not dc
so. He then told Dr. Rowland thai
he had better take the policy if he
wanted one as it was the best he
could do for him, as far as risk was
concerned. He said in reply that he
had applied to the Virginia Life In
surance Company, but had not heard
from them. Witness then told him
that he had better take it as a bird
in the hand was worth two in the BUSH
| Further told DR.. Rowland that no
company would submit a greater
responsibility than his; the policy
was all endorsed and he then agreed
to take it.
CROSS EXAMINATION.
Asked if he returned the check DR..
| Rowland gave him, witness replied
that he did not. The check was given
him on March Goth. To the question
if he had authority to cash the check,
witness said he gave DR.. Rowland
his word that he would not cash the
check until he heard from the COM
pany in regard to relieving the
clause about the rider. He was anx-
ious to sell the policy-always wanted
to sell insurance and had been after
DR.. Rowland for several years to
take out policy as he was making
good money and he was anxious to
see him save some of it. 1t is usual
custom for people to insure their
children's lives in Raleigh. Question
ed as to the limit of industrial in
surance on a child 10 or II years
old, the answer was that one-half
OF the amount would be paid if the
child died at once, and after six
months he would be entitled to the
full amount of the policy.
Redirect examinatian by Mr.. Zoil-
Golfer was brief and brought out no
new or material fact.
WALTER FINCH.
| Walter Finch of kittrell, was called
to the witness stand and examined
as to the sale of the house and lot
in kittrell by DR.. Rowland, the prop
erty of his son, David Austin Row
land, by Inheritance from his mother
On Monday after the child was bu
ried Sunday he went to the depo
and was talking with DR.. Rowland
and he said that he would sell witness
his house and lot for S1.2OO.OO
This was between s and9 O'Clock il
the morning.
! CROSS EXAMINATION
On cross examination witness sale
J conversation took place at the depo
i in Kittrell while waiting for the traiI
DR.. Rowland fixing to return to Raj
eigh, where he has lived for severa
years. He had a residence in Kit
: trell. Asked If he went to the depo
to see DR.. Rowland, witness said h
guessed so. He went to the depo
Just to speak to him as much as any
thing else. Witness did not remem
e Der If the train was an hour late o
:. that it was the day OF particula
= trial there and everybody had t
\ wait for it. He told DR.. ROWAN
that he had bought Mrs. Persons
i. place and asked him il he would Sc
g his and he said no, that it was pay
}, ing 10 per cent. on S1,200.0O. Blu
o be added after awhile that as tt
h child was dead he would sell the plat