The Ogden standard. [volume] (Ogden City, Utah) 1902-1910, 1910-02-05

~ OSSLBEY. from brief experience with life In
h 4 surarcc companies from experience at
all. YOU Imagine them addressing the public
in Sclucrn] from I soup box, with ready made
policy in hnnd and ready. cnpacious hat
the other
Possibly y,,u have acquired the common conviction
that they up and down with GLIB rapacious eager
ness seeking whom t8ley may buttonhoIe and hypno-
tize into giving up premium Perhaps recent ar
tcle in the SUNDAY Herald on The tricks of the
trade prnctised by the life Insurance agent. has
contributed 10 Your impression.
If so You are wrong. Contrary 10 the rough hand
opinion that out of the carly days of life In
the obtaining Of Insurance briSucS with re-
shiciitus, not merely upon the applicants but upon
the methods of tho companies themselves Aud the
restrictions Increase In number. The big life msur-
COMPANIES refuse. average, of every
nine persons who npply for policies II is a fact sell
dom considered that they spcud large of money
aud employ extensive STATS merely guard them
selves and their pocyholders against business which
is not absolutely desirable and free from suspicion,
The agent has no more influence upon their attitude
than the candidate FOR Insurance
OF all the private detective and protective bureaus
employed by corporations prevent imposition and
10 gather necessary information none is well
canized. discreet trusted those Of the big
life Insurance companies 1t might added that
is little known 10 the public carries It's work
quietly.
You never read i'm yoar morning newspapers of the
wonderful exploits Of Detective Blank, of the Grapuc
Life Insurance Company; his consummntc ccycrncss
In uuravelling mysteries uaycilng dangerous sit
untion. Tic Is never sung in In news
port. But he is therc-consdcrablc numbers of him.
1t Is his duty to dig for that have Il bearing
upon the issuance OF policies, and if lie should
write his memoirs which he WILL they would
contain many strange and interesting things He sup
plies tbc points by which his employers decide
ceptancc refusal fl doubtful cases One word from
lin will weigh than all the afhdavits and credit
lists and certificates and frantic pleading of agents
conceivable.
The Case of Mr. Ruiz.
There lives in New York Spanish American who
owns a wholesale importing business worth fully half
n million dollars. He is in middle life In per
feet health. living contcntcdly with his family
free from all unusual worries. His firm is absolutely
stnblc. dealing with pnnducts that involve chance
of sudden depreciation. His name Is not Ruiz. but
that will serve.
Came to him one day bustng agent for of
the large insurance companies. "Ah-hn, Mr. Ruiz
You thought of life insurance?" asked this
entcrprsnG agent. Mr. Ruiz had not but he was
willing TO give up IN hour in listening TO the
many fine things that the visitor had TO tell him
He was not hard to convince, the idea seemed good
and he the sitting The agent
delighted.
How much do you think you would like TO carry"
he asked Mt Ruiz said that be thought $50 600 would
not be too much. The agent all smiles and made
an appointment for the usual physical examination.
Tho physician came sounded and pounded Mr. Ruiz
and sent In his report to tho company. He pronounced
Dir. Ruiz not only good risk. but excellent one
lie had rarely seen man so well equipped TO live TO n
ripe old age. Mr.. Ruiz was glad to know It and
awaited the outcome with confidence. Some weeks
later he received letter from the company couchcd
I'm ltp tnrrn and Ipf,rn
application was regretfully refused 1t might be in
serted here Incidental tragedy that the enter
psing agent on hearing of the physicians report had
hed him to the suburbs and made first payment on
tue house he had bad his eye upon for years
premature enjoyment OF his commission thereby vivid
~ illustrating a number OF venerable adagcs
But Mr.. Ruiz not content to let The matter rest.
aying learned the desirablity of life insurance.
be wanted it. After he had retired baflcd from sew
eral attempts TO obtain explanations he found next
step easy. An agent for another company pouuced
upon him joyfully. History docs not say whether
this agent was close friend only rival of the
first, bnt he rubbed his hands and smiled chccrfuy
when he heard the size of the policy that Mr. Ruiz
wanted.
Certainly Mr.. Ruiz. l haven't the shadow of n
doubt that we satisfy you" was bis comment,
Again MI Ruiz was sounded and pounded, and
.eon he waited the outcome After some misty
correspondence the second company nat with
the statement that 1t could not give policy TO 4lr.
Ruiz.
It may be supposed that Mr.. Ruiz was nettIed He
could imagine possible these strange re-
iusalS, and meanwhile the companies would give
none SO he ventured a third time His next appl.
cation was made to large company having head
quarters In another State The outcome was exactly
The same and he finally gave up.
The Secret Service
Now this approximately, what happened In
The office Of the first company on receipt Of the applI
taton3-Ihe desired policy was large enough to war
ant special Investigation Ordinary policies for small
sums one or two or live thousand dollars are seldom
considered iu detail beyond the routine examination
INTO state OF health and occupation But the company
could not risk $4,000 policy without knowing all
tnat coud be known concerning tho applicant Ac-
cordngly, the matter turned over to the sacrct
service bureau
Inc detectives embarked upon a thorough luel
Inquiry They found that Mr. Ruiz before he cona 70