davidaulloa/AmericanStories huggingface dataset:
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-15
FIRE INSURANCE
SHOWS BIC GAIN
Detroit Underwriters Share in Gen
eral Wave of Pros
perity.

The situation OF Detroit with re-
spect 10 fire insurance is very much
the same as the situation with respect
10 life insurance. OF the many mill
ions OF dollars worth OF risks in De-
troit and the adjacent territory only a
small portion is placed with Detroit
fire insurance companies. the larger
portion by far being placed with the
big eastern companies. Ii is generally
the case with fire insurance. however,
that II is more widely-distributed than
Is the case with other forms OF insur-
ance, for It is the policy OF careful
companies 10 limit the amount OF
risks they will assume on any one
building or in any one locality. The
possible results OF a conhagration
would be too serious.
OCiIOll lAC lnSul auNC NOhpoAA~Si
however. have shown a steady growth
In business throughout the last ten
years, and all the companies engaged
in the business OF writing fire insur-
ance have enjoyed measure OF the
prosperity that has come TO other lines
of business during the same period.
There have been very few losses OF
any importance 10 the Detroit com
pantes, as a result OF the careful Sc
lection OF risks, and. perhaps, 1t may
be added, to the good fortune that has
fallen 10 every line Of enterprise in
Detroit during the recent period OF
phenomenal growth.
The only loss of any Importance In
which Detroit companies were con-
cerned was the big confiagration fol-
lowing the San Francisco earthquake
in 1906. Together with a great many
other companies throughout the coun-
try Detroit fire insurance interests
were involved in this great disaster.
All the claims were paid promptly,
however, and II was only short time
before the effects were entirely for
gotten in the chase after more bush
ness. Detroit fire insurance compan-
les were not involved in the other two
big conhagrations OF the decade, the
Baltimore and Chelsea fires, the insur-
ance on the burned buildings in these
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-15

as a business necessity; II is one OF
the important things scrutinized In
examinations to establish credit or In
the TRANSACTION OF any deal involving
property, that any tendency toward
unbusinesslike methods would be i'm.
mediately discovered.
The fire insurance business I'm De-
troit is growing and will continue TO
grow with the development or the
city as financial center. More and
more capital will be employed In Il as
the attention OF fnanciers Is turned
from industrial expansion to the less
hazardous forms OF investment. The
records OF Detroit fire insurance com
panies during the past ten years have
been satisfactory: they have kept pace
with the development OF the city, but
during the next ten years they should
feel the real effects OF the growth OF
the city In financial Importance and
We may expect a much larger proper.
tionate growth In these lines than wa
have seen in the past ten years.
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-15

cality uniformed and unthinking leg
islators that they are dealing with
some far away, hostile interest which
constantly draws money from the
state without giving anything In re-
turn. When you have In each
state companies whose operations can
be observed and studied at close
range whose business affairs are d.
reCted by reputable citizens OF these
states. and whose investments are
largely within their respective states.
the attitude OF the public as re-
nected by the law making power will
be materially changed, AS a rule u
is those states in which there are no
such local interests that run riot IN
he way OF harassing and burdensome
legislation.
Aside from the protection 10 the
business generally thus Afforded the
activities OF these local companies
would result In a constantly increas-
ing number OF people educated 10 a
knowledge OF the benefits OF life In
surance and consequently In a con
stantly enlarging field OF promising
prospects.
Just as the work os the fraternal
beneficiary societies has educated the
people OF the rural communities, vii
lagos and smaller cities OF the coun-
try. so. believe, does the work OF the
growing number OF new legal reserve
companies make the education more
thorough and widespread and thus
adds recruits TO the growing ranks OF
those citizens who deem 1t their duty
TO protect those dependent upon them
with contracts OF life insurance that
are actually correct and financially
sound.
From every standpoint. therefore.
| believe in encouraging the organlza-
tion OF proper methods OF new com
panies which are 10 be conducted
along proper lines by men familiar
with the various branches OF the bRsi-
ness OF life insurance"
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-15

companies are doing an increasing
I proportion OF the Michigan business
( each year, but they are not yet recelN'
/ ing their proper share OF this business.
/ The policies issued by the Michigan
companies contain the standard pro-
/ visions required by the statutes OF
I the State OF Michigan for the purpose
| OF fe-guarding the interests OF pol
! icy holders and each policy form pro-
posed To be issued by the companies
must be filed with the commissioner
OF insurance AT Lansing so that ne
may disapprove OF any form that -
nos satisfactory before a policy Is
actually issued The Michigan COM
panies are subject 20 frequent exam
nations at the hands OF the Mlchi-
gan department OF insurance which
keeps in close touch with their oper-
alton The companies are required
by the Michigan statutes TO maintain
and accumulate n reserve sufficient 10
eventually mature each policy ana
this reserve must be accounted Tor
periodically. In addition 10 the re-
serve each company is required TO
place a deposit OF securities OF the
kind stipulated by law with the state
treasurer for the additional protection
OF policyholders over and above the
reserve. This policy reserve is some
times called the reinsurance reserve
for II is sufficient, especially when
fortified by the statutory deposit with
the state treasurer, 10 enable the
business OF a company, in case its
operations are unsuccessful. 10 be re-
insured in another company and the
f,,eA - A. ILL -. h..
abundantly protected without loss To
them or the impairment OF the value
of their policy contracts in anyway,
This especial protection afforded by
the reserve is one OF the main feature
OF the strength and almost absolute
security OF old-line legal reserve life
insurance.
In considering the value OF home
companies TO community one can
not do better than quote the words or
Hon. James W Barry, until recently
commissioner OF insurance for Michi-
gan, who during his ten years or
Office in that position established an
unique reputation as a keen student
of the varied problems which arise
in connection with the business OF In.
surance. Mr. Barry raised the Mich
igan insurance department TO high
standard Of efficiency so as 10 render
the people OF this state under perman-
ent obligations 10 him. Speaking be-
fore the National Association OF Life
Underwriters in Detroit last Septem-
Der, he spoke In reference TO home
companies as follows:
Il have no quarrel with new com
panies. On the contrary believe that
II properly organized and managed,
they accomplish much good. II would,
in my judgment. be best for all con-
cerned If there were to be established
in every state one or more good solid
substantial companies operated along
safe and sane lines by men skilled in
the business
These local companies would do
much in the way Of educating the peo-
pie as to the soundness and benef-
cence OF life insurance as an institu-
ton and creating a healthy and in
telligent public sentiment which
would serve TO protect the business
from ill-considered and burdensome
exactions which are too often the re-
suit OF feeling on the part Of techni-
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-15
LIFE INSURANCE IS
IN SCIENTIFIC
PERIOD
With Formative and Development
Stages Over, Advantage Is Now
Being Taken of Lessons and
Experiences of the Past.
Authority Points Out That Home
Companies Are Of Immense Advan'
tage To Community.
sy FRANKLIN 8. MEAD.
(Aetuary and Secretary OF the Miehi'
oan State Life Insurance Co..

Gan State Life Insurance Col
AS someone has aptly expressed II,
the period beginning With the early
for,;es when the nrt life companies
I'm Alnerica, which have since attained
prominence, were establishedl and
ending about 1870, may be called the
formative period of life insurance;
that from 1870 to 1905, when the
amount Of life insurance in force ex-
panded from two billion dollars TO
ten billion dollars, may be called the
developmental period; and that period
upon which we have just entered may
be called the scientific period, during
which advantage will be taken of the
lessons and experience Of the past TO
more nearly approach the ideals or
the best life insurance practice.
The disclosures during the Arm
strong investigation in New York. in
reference to certain of some of the
older and larger companies, developed
q trend OF public opinion favorable
to the establishment of local life in.
surance companies and awakened the
people to the possibility OF the up
building ofSsound and successful in
situations at home. This was further
made possible by the highly scientific
plane to which life insurance has been
raised as well as by the fact that the
business receives the most careful su.
pervision on the part of the state in
surance departments. Consequently.
there is q bright future for local com
panies, carefully and conservativsly
managed by men trained and expert
enced in the work which they have to
perform.
During 1909, according to the Mich.
igan insurance report (the complete
hgures of 1910 are not yet availableJ
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-15
MARINE INSURANCE BRISK.
Detroit Important Center Because Of
Shipping Interests.


Shipping Interests.
That Detroit should be an im-
portant center for. marine insurance
might easily be inferred from the
magnitude OF the shipping interests
OF the city OF the straits Detroit
companies have been writing insur-
ance upon the lake marine practically
since the freight OF the great lakes
was taken from the birchbark canoes
and batteaux fiotilla into the hands of
the old sailing masters.
| In the days OF the old sailing craft
marine insurance was far more of q
! speculation than II is today, for the
storms OF those days were just as
violent and disastrous to shipping
| that happened TO be caught in their
clutches as are the hurricanes that
sweep the lakes in the present days
I The difference in the risks OF the ear
| ly days OF marine insurance in Detroit
and the risks OF the present CORE
spond to the differences I'm stdnchness
and seaworthiness between huge
modern steel freighter and the little
old sailing craft that once carried The
trade OF the great lakes.
Marine insurance in Detroit has
grown UP with the growth OF traffic
on the lakes. There has been n
steady increase In the tonnage insur-
cd and in the revenue that comes into
the city from this source. The in
creased precautions that have made
| the lakes safer-channel lights, charts
and lifesaving stations and the safe
! " appliances which government regu-
/ lations have made part of the equip.
ment OF every vessel--have made a
scientific business OF marine insur.
ance out OF mere gambling on the
! average state OF the weather and the
good fortune OF the sailors during the
/ shipping season.
There are still losses on the lakes,
however. losses that for the most
part cannot be prevented by any pre-
cautionary regulations, and these are
(, the sort of losses upon which Detroit
marine insurance companies are pro.
tectng vessel-owners all along tLe
lakes.
The expansion OF the business in
Detroit has been commensurate with
the marvellous growth in lake traffic
during this period, and with the IL
creasing development OF the upper
peninsula Of Michigan Il can be read.
lily prophesied that the marine insur.
ance interests OF Detroit will share
in the future prosperity OF lake ship
} ping as they have in the past.
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-15

life companies OF other states Issues
$50, 1877 ,043 of insurance in the stat
OF Michigan, while Michigan com
panies issued only si,04S.2SS OF IN
surance in Michigan. Al the end o
1909, companies of other states haI
IN force in the state OF Michigan
S26l.439. S97 OF insurance as compared
with $l5,4Sl.295. which Michigan com
panies had in force in the state o.
Michigan During 1909, the citizens
OF this state RENTED 10 the homS
Offices of companies located in Other
states. S9,6O4 GA in premiums on me
insurance while the Michigan com
panies received but sf34.G54 in pre-
miums from Michigan citizens. The
above figures do not include indus
trial insurance. all Of which was
transacted by outside companies.
AS compared with the above, u
may be cited that during the year
1905 Connecticut life companies wrote
S4lOll9g OF insurance on The lives
of citizens OF Connecticut, ana TO
ceived in premiums from the citizens
OF that state Sl.42l,4c whereas the
Connecticut companies wrote outside
Of Connecticut. Sgl,l3S,lS4 OF insur'
ance. and received from the citizens
OF other states, s27,5lS.l93 In pre-
miums.
The city OF Hartford. Connecticut.
with little more than one-hfth the
population OF Detroit, has as many
banks capitalized for as large an
amount as those Of Detroit. The
greater development proportionateiy
OF the financial institutions OF Hart.
ford is due TO the insurance COM
panies located al Hartford.
The people OF Michigan should
realize that insurance institutions are
large factors in the financial develop
ment OF any locality, and that there
is no reason why Michigan should not
develop her own great financial in.
stitutions and make Michigan one or
the financial centers OF the country.
In order to accomplish this, the citi-
zens OF Michigan should purchase
their insurance in Michigan com.
panies in every way possible.
Prior TO 1907, there was but one
Michigan life insurance company. a
company which began business in
1867 This company in 1906 wrote
s1,075,163 Of insurance on the lives
of Michigan citizens, and had in force
on the lives of Michigan citizens at
the end of the year s9.3S0,229. The
amount of premiums paid during the
year was s330,429.
During 1907 two new legal reserve
life insurance companies were organ
lied In Michigan, and the amount OF
insurance written by the three Mich
igan companies on Michigan citizens
during 1907 increased 10 s3.440. 553,
and the amount OF insurance in force
increased TO $ll .1s1 900, and by the
end OF 1909, this was increased 10
$15,4S1, 295.
During 1910 another legal reserve
company began business. making four
Michigan Life Companies in all. These
four companies during 1910 wrote in
Michigan $6.011 ,264 OF new insurance.
had in force on Michigan citizens
nearly $19,000o00 OF insurance or
about double the amount OF insurance
In force at the end OF 1906, four years
earlier.
1t is thus seen that the Michigan
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-15
Detroit
Life Insurance Company,
Subscribed Capital $25O,OOO

Nine millions of Michigan companies life in
The paid for the east
ne
Why not keep part of this noun tat home?
home
- $50" Ol
The Detroit Life
lie insurance invested N nromw
Why not
and - ' 80 oN'
OFFICERS:
B
M E
Counsel
JAS d H.
az Treas MobylD
Our aim to keep Deos life
and policy
1911
in
Let our representative call its special feure
GENERAL AGENTS FOR MICHIGAN:
Grand Rapids Michigan
i " n dhhIan..
for good Michigan TERRITORY
Ageno Homom
The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1911-04-15
GENERAL AGENTS FOR MICHIGAN:

We want live agents for good Michigan territory.
Address nearest General Agent or Home Once direct
The Donaldsonville chief. [volume] (Donaldsonville, La.) 1871-current, 1911-09-09

That there are 20 decisions to render on
balls IN the immediate neighborhood of the
foul line during the ordinary game is con-
sentative estimate. The decisions are often
matter of inches, and many times change
the entire complexion of the game
OF course, in a full nine inning game 81
men must be retired before it is completed
Ii the home team happens to have made more
runs In eight innings than the visitors in nine
they will refuse the last half Of the NINTH max
ing 1t necessary to retire only 81 men in or
der to complete the game. A decision Is neces
sary On every one made although frequently it
is evident to every one that the man Is re-
tired as on fly ball or when a man takes a
healthy swing for the third strike Such de-
cisions are more mere matter of form
than anything else. On the other hand
theer are perhaps 20 plays that come up in q
game where the umpire rules the player is
safe on very close decision
resume would show $50 decisions on
balls and strikes, 20 decisions on fair and foul
hits, 81 rulings on outs and somewhere near
20 plays in which the runner gets the benefit
Of the doubt, and is called safe making 374
rulings an umpire is called upon to make
during nine inning contest
1t Is easy to sit In the grandstand or
bleachers, surrounded by lot, of friends
who see things just you do, and umpire
the game, when you are not busy munching
peanuts. 1t is entirely different on the
ball field, however, where you are stranger
in strange land, with hostile crowd ever
ready to criticise and IS active ball players and
as many substitutes together with two foxy
managers, trying their level best to outwit
you.
| happened to have an off day In C1eYe.
land last year, and decided to Journey out
to the ball park and call on my brother UNI
pires. "Bulp' Perrine and Bill Dinneen had
been assigned to the game. After making
them friendly visit told them intended TAX
ing seat in the grandstand to look them over.
They laughingly assented and Informed me that
they would give their best performance of the
season.
Bill Dinneen, the former star pitcher,
worked the bases, and 1t seemed as IL every
decision was close. Philadelphia was the
opposing team that afternoon, and despite
the closeness Of many Of the plays there was
scarcely kick from any OF the players.
Cleveland was losing. however. and the fans
The Donaldsonville chief. [volume] (Donaldsonville, La.) 1871-current, 1911-09-09

to drop the bail Had he held the throw.
Baker would have been an easy out
'Why did you call Birmingham out at
second when Coombs threw to catch him nap
mapping? Looked as If Joe got back to the bag
before the ball reached Barry's hands"
HE got back but not to the bag" replied
Bill Barry had him blocked off, and 'Birmy
slid G,against Barry's shoe, not the bag. He
hasn't touched the base yet"
"Just one more, Bill. Why was Jackson
out at third? 1t looked as II he easily beat
Catcher Lapp's throw in an attempt to keep
him from stealing
mo question about his beating the throw"
answered Bill. 'He was safe mile, If he
hadn't overslid the bag three or four inches and
allowed himself to be touched out before he
was able to regain it,
On the four plays in which Dinneen was
absolutely correct he was forced to submit
to all kinds of censure, because the fans did
not know what had really happened.
There are any number OF points that the
fans should take into consideration when
they see the umpire declare man out who
seems to them to be safe beyond reasonable
doubt. -Four Of them have already re-
ferred TO; failure to touch the bag. due to be-
Ing drawn off by high, low or wild throw:
dropping Of the ball after having touched the
base runner, due to the force Of the collision.
tnhelder, instead of the bag and the oyers1id-
ing of the bag after having reached it in
safety
The fallaway slide Is another point that
causes all kinds Of trouble for the umnires
This slide Is used by most Of the leading
base runners, and consists Of going straight
for the bag until within short distance Of
IT, then falling away, SO to speak, by throwing
the body either towards the infield or outfeId
as best suits the occasion, and hooking one
foot under the bag. This slide makes 1t yerv
hard for an infelder to put the ball on the
runner, as 1t gives him only the sole OF the
shoe, or az the players express it, only the
spikes to touch.
The baseball fans, however, may be conside,
ed pretty fair creatures, and each year they are
getting more fair-minded have noticed a
vast Improvement in each Of the i've years +
have umpired in the major leagues, affirm.
ute the improvement to the fact that the nm.
pires are being backed up In their decisions
and the attitude of the sporting wrttars
The Donaldsonville chief. [volume] (Donaldsonville, La.) 1871-current, 1911-09-09

made considerable fuss over several ruling.
on the bases by Dinneen. From where
was sitting in the rear part Of the big grand
stand it really did look as If he had slipped
up on four plays. Observing that not Q
kick was made, was convinced that some
thing had happened In each instance which
the fans in the stand-mysef among them
had not noticed. I made note OF the
plays with the intention Of asking Dinneen
about them, just to- satisfy my own curios
ity, and after the game I went to his dressing
room.
'Why did you call Collins safe at first. Bill
on that throw from Turner" asked.
"Why, there wasn't anything to that
play" said he 1.-THE throw you will remem-
Der was a triae wild It pulled Stova1l some
distance off the bag, and when he lunged back
his foot was about three inches shy Of touch.
ing first
why did you call Baker safe at second? ?"
was my second inquiry. From the stand
it looked as If the ball beat him to the bag By
yard"
1 l11e ball beat him all right" said
sbut the force Of the collision IN touching
Baker caused that young shortstop Knaupp
The Donaldsonville chief. [volume] (Donaldsonville, La.) 1871-current, 1911-09-09
At THE PARsoNAaE
Coffee Runs Riot No longer

''Wife and I had a serious tins Y y
while we were coffee drinkers.
"She had gastritis, headaches, pe n, y
ing and would have periods % sls y
ness, while secured daily neaaasass
that became chronic.
1--WE naturally sought relief by a, ,,a
without avail, for 1t 10 now w.. 4.
enough that no drug will cure las u -
eases another drug (eoffee) sets Y. V
particularly, SO long as tne WI
which causes the trouble Is conllaa 8
Finally we thought we Woala =
leaving off coffee and using PoasulA "a
noticed that my headaches disa z. plsa "a
like magic, and my old tremDly Nd ~
BUSINESS left. One day wife say, 1s
you know my gastritis has gone 49,
Zone can hardly realize Wnas ssss
UNI has done for us. .,.,e
"Then we began to talk e os. 81
Wife's father and mother WeIs y IN y,
coffee drinkers and sufferers. WI III
headaches left entirely q sno.. c. ii
after they changed from cohs0
Postum. III
IT began to enquire among =, .ngsh
ishioners and found to my assy 81.
ment that numbers of them uss IN III
UNI In place Of coffee. Many s a
ministers who have visited ~ NM s
sonage have become enthusia stlc s.
pions Of Postum" Name -
Postum Co, Battle Creek, Mie .,..a a.
Read the little book, "fne ns IA,
Wellyille," In pkgs. There's fs !. 81
Ever read the above Letter. M,
one appears from time 90 -, sl, as hamas
are genuine, true, and auaa
interest nj