The Washington herald., 1910-03-13
EXAMINES AND EXPLAINS POL ICIES
Persons Who Know Nothing of the
Intricacies of Insurance Con-
tracts Are Safeguarded and Kept
Out Of Future Controversial
Many Cases Which Occur in
Everyday Life Related.

people know less about life insurance
policies than anything else with which
they have TO deal Not one man In a
the wording of half a dozen policies
which may be submitted to him for ex-
animation.
If a man is buying a house he goes TO
a lawyer or a title company 10 be sure
that his title cannot be contested, and
that II is without flaw. He does not take
the word OF real estate agent nor does
he trust his own judgment. Nine-tenths
OF the people who invest in life insur-
snce take everything on faith.
There is no necessity for this lack OF
knowledge In the future. An Office has
been established in Washington where all
the intrlcacies and uncertainties OF a life
insurance policy are made plain, where
disputes can be adjusted by one who has
had twenty-five years experience IN life
Insurance matters, and who has no inter
est in any one company. This is a mat
ter OF great importance TO every one who
carries a policy or who expects 10 take
out policy in the future.
An Adviser on Life Insurance.
Mr.. Albert A Marshall. who has es-
tablished an Office in the Westory Build
ing, has had twenty-five years connec-
ton with life insurance companies. He
has been through every branch OF the
business-soliciting. medical, actuary, &c.
To-day he is the agent of the public and
is recognized as such In the insurance
world. His knowledge is respected and
the problems which he has already solved
and the benefits which he has conferred
upon his clients have enabled him 10
place his business upon q firm founda-
ton. assuring him great success for the
future. Il is a unique business devised
by Mr.. Marshall. but the amount of work
which has already come TO him indicates
that he has filled a previously vacant
niche in the insurance world.
Mr.. Marshall chatted most Interestingly
with a Herald reporter yesterday con-
corning the field in which ne operates.
Il am an adviser on life insurance. he
said. 81 do not solicit business and
do not interfere with the work of the
numerous agents who represent COM
panies in Washington. am an absolutely
disinterested adviser and 10 this fact I
already attended my Efforts
rs the average man acquainted with
the Intricate terms and provisions Of
life insurance p6lIcy?"
Ignorance Regarding Policies.
The fact is replied Mr. Marshall.
that very few people who take out in
surance policies know all the details OF
the contract into which they enter. For
this reason I would advise no one to take
out a life insurance policy without previ-
ously securing the benefit OF the long and
active experience which l have gained
and the knowledge which I possess. 1t is
unwise, too, for any one 20 surrender a
policy which he has been carrying for q
number of years simply because the agent
OF rival company tells him to do so.
For instance. a prominent business man
of this city came TO me recently with
statement that he was favorably consld-
ering the surrendering of his policy be-
cause he had been told that il would be
advantageous for him to do so. I took
up the matter with him. examined his
policy, and not only saved him the ten
years insurance which he had already
paid, but he had the pleasure of receiving
check for over $l,o00 from the company
in which be was insured for dividends.
regarding which he was ignorant. There
was case In which the benefit OF my
counsel was quickly evidenced in a very
and substantial manner"
you must have many interesting
cases" said the Herald reporter.
Instances in Everyday Life.
Many of Them" was the replv .srsta
for instance. the case of the gentleman
who came TO me to consult in regard to
short-term insurance. He had embarked
in business enterprise, and desired in
surance for a term OF three years TO
safeguard the investment In the case of
his death. lie had seen several agents.
and the conditions to which he had been
asked to give his assent were not salts
factory. They practically made It i'm
possible for him TO carry out his inten-
ton. When he came to me l showed
him how the matter could be arranged
so az TO cost him nearly $500 less than
the most favorable terms offered him
Don't you think that 1t paid him to come
to me?
Then. here Is another interesting
case" continued Mr.. Marshall as he
picked up bundle OF letters upon his
desk. "A gentleman in q neighborsng
State-for my business is by no means
confined to the District OF Columbia
signed an application for q policy. and
mentioned the name Of a physician whom
he had consulted in the year previous.
When he died, ii was found that he had
been TO two or three physicians. but he
had not mentioned their names. The
amount due TO his beneficiary is being
contested. and I am settling the case.
II he had come TO me when he made his
application, / would have seen that It was
accurate, so as TO give the company no
loophole for a contest. Indeed. only the
other day, a gentleman sent me his an
plication to examine, and / found that
he had incorrectly named his physician.
The error was promptly corrected. hut
If it had not been. it would have caused
trouble in the future. You
have no idea how many things there are
in an application which can be made the
ground for a charge OF fhisstatement.
Each application ought TO be thoroughly
and carefully considered, or otherwise
there is sure to be trouble when a set
tlement is sought TO be obtained"
Amounts Due PolicyhOIders.
Mr. Marshall referred to an interesting
situation when he said that the insur-