Northern Wisconsin advertiser. [volume] (Wabeno, Wis.) 1898-1925, 1919-01-17

foreign languages. We should do this
for cultural and commercial reasons.
We cannot afford to become one Ian
guage country. If we do we cannot
claim-~to be a cultured people, nor
shall we be equipped to carry on com.
merce with the balance of the world.
In our own private and parochial
schools sufficient course of English
should be carried. This should in
clude reading, writing, American his
tory, and civics. This is clearly in
the interest of the children, but moth
ing should be done that will in any
way interfere with religious instruc-
lions or religious services. | take
the position that he who prays to his
Deity shall have the right to do SO in
the language of his own choice. And
again, it must be understood that the
right to carry on religious services in
foreign language shall not be used
as a propaganda against our country
and It's institutions.
State Life Insurance.
l wish to call your attention to the
conditions of the state life insurance
fund, and in that connection l sub
nit the following report which have
received from the Commissioner of
Insurance:
''In 1911 section 1989m was enacted.
This statute provided for State Life
Fund to be managed by the state
without obligation on the part of the
state except to the extent of the fund.
Policies were issued in 1913-at the
end Of that year 239 policies had been
issued granting STAT, 10000 of insur-
ance.
I'm 1914, SO policies for $82,80000 of
insurance were issued and policies
for 100000 insurance lapsed. In 1915,
II policies for $7O,50O.O0 insurance
were issued, 2 policy-holders with
100000 insurance died, l surren-
dered and lapsed. In 1916, "a poll
cies for $S0,200.O0 were issued, l
policy-holder died, 8 surrendered and
IA lapsed. In 1917, q policies for
$21 100000 were issued, 1 surrendered
and l lapsed. In 1918, IL policies were
issued, people with 100000 of in
surance died, 8 people with 100000
insurance surrendered and 9 people
with 100000 insurance lapsed.
There are in force 461 policies for
1878, 10000 of insurance.
"The Insurance Department has
kept up a continuous campaign for
business through circulariZirg avail
able lists-state banks. and local off,
Gals do not send in business"
1t will be observed that the fund is
now carrying a total of $379,700.00 of
insurance The total assets of the
fund on January 1, 1919, were $751;
676.08. The death losses for the year
1918 exceeded the expected by about
40 per cent. With so small an amount
of insurance in force sharp fluctua-
tons in mortality experience are like
ly to occur. A few years OF unfavor-
able experience would deplete Etlle
surplus and impair the reserve.tsThe
state is liable only to the ext@ls oH
the fund and if the reserve X AIM
paired the policies are not worth one
hundred cents on the dollar.
The state should not continue sys-
tenn of life insurance that does not
guarantee the full value of the policy
in fact if this type of insurance is
permitted to continue l would regard
it as moral obligation on the state
to make good any loss that the policy
holder might sustain for the reason
that the policy was sold by the state
and that in itself should be a guaran-
ty against any loss by the policy
holder and am certain that it was &C
copied in that spirit.
The present policy-holders can be
fully protected and their policies
guaranteed by reinsurance in a re-
sponsible company. Their present as
sets are sufficient for this purpose.
I recommend that you repeal the
statute under which this form of life
insurance is being carried and direct
the Insurance Commissioner to rein
sure the present policy holders in a
reliable company.
Primary Election.
For two sessions l have advocated
a revision of the Primary Law. |
think it is fair to say that it is gen
orally conceded that in it's present
form the law is a failure. No party
organization can be maintained under
tin fact it has again been demon
strated within this state in the past
year that the adherents of one party
may make an effort to nominate the
candidate for another party in the
hope of giving their own ticket 4 bet
ter opportunity for success.
Such methods are breeders of polit-
ical dishonesty and demoralize the
politics of the state and should not
have the sanction of law. For my own
part regard the party convention the
proper agency to fix it's party princi-
pies and nominate it's candidate, and
the only valid objection that was
urged against that system was the
political caucus which nominated the
delegates. In order to obviate that