Pine Bluff daily graphic., 1915-12-03
56 FRA7ERNI7IES WRITE INSURANCE
 IN THIS STATE
1s7,a41 People Carrying Fraternal Insurance To-
 talling $133, ,805,915.

Little Rock, D3c. 2.-Thsre arc fifty-six fraternal insurance organi- zations doing business in Arkansas. These organizations had at the last report total If ,S41 msmbers, anl the insurance in force in tlis state
 reached tir5 stup. .ndous total of S133,
 S05,915.2S. The amount paid last year tc Arkansas beneficiaries was $1,424, T27.92.
 These facts show to what an ex- tent the citizens of Arkansas are
 interested in the regulation of fra
 ternal insurance.
 January l, 1917, is the average date upon which the New YorK confer cenoe bill becomes effective in hirty- three states. l. is what is known as the Mobile bill, modified and changed tween F'raternal congress and the National Convention of Insurance commissioners. It is a, uniform law
 for rhe regulation of this form of in- surance, the primary purpose being i to pIlt cct the interests of the in-
 sured and at the same time safeguard the interests Of tlr3 insUring fratern- ities.
 The act has not yet been adopted by Arkansas. The Mobile bill was introduced in the Arkansas legisla- ture in 1915, but did not get vary far. Toward tho close of the 1915 session i was introduced in the new form by R. spresentative Ben Griffin, klt it did
 not get beyond favorable report by ',he committee on insurance in the house. It will be introduced early
 iN the session of 1917, and a deter
 mined effort will be made tc' secure it's passage. 1t is expected jh:,: those ir', ,ercst2d in the proposed law will have the influence of the National
 Frat;rnal congress back Of them, and hey gre confident they will be able te put it through.
 Whilc the law that goes into, effect January l, 191:, in 33 states will net be in -ffeo in Arkansas. it will in- directly have much to do with th2 regulation of iraternal insurance in this elate. Being resu.atcd under it's provisions in two thirds of the states, the companies and associations doing
 business here will giv. the members the benefit cf tho improved conditions. The laws will th- reforc virtually be- couse uniform
 Undcr the trims of the New York Ccnf2rerce till, any frase rnal organization that cannot show at
 least 90 per cent of sclvency will be givsn three years to place its;lf in that condiio If this has not been
 accomplished in 1920, the association
 rust rcinsur, n some other concern ani cease t. do busin ;ss.
 This is the condition that is caus-
 ing all the unres': in the chdnga ot
 rates and methods of administration. All realize that they must come to it it is nos matter of chcica but is being forced upon them. The com
 Ianies are as rapidly as possible get ting on permanent basis. The level rate plant. based upon the American Experience Tables of Mortality, tn- same as tha. used by the old line in- surance companies, is being adopted.
 Among the coppanies operating in Arkansas, the. Tribe of Ben Hur, th:' Maccabees, and tie Ancient OrIer of United Workmen. have adopted the system callcd for in the ncw law, without waiting for it. The A. 0. U. w., for instance shows that it is more titan 100 per cent solvent, and ehc other fraternities named, besides a number not named, will readily pass muster.