ZajednicÌŒar = Fraternalist. [volume] (Allegheny, Pa.) 1894-current, 1954-05-12
Going Up!

An accepted, time tested fact in the
American business world is that the
financial structure and operational methods
of any sound life insurance organization
determine it's actual strength.
In this regard, the Nations foremost
authorities on life insurance take into con-
sideration such all-important factors as fl
nancal stability gross surplus, total in
come, liquidity and other pertinent facts
to determine the strength of a given or
ganization and make public their findings
without COUGHING them in fancy phrases.
This was done recently by the Standard
Analytical Service of st. Louis, Missouri, in
the case of the Croatian Fratcrnal Union
of America, the greatest organization of its
kind in the world.
And the Midwest analytical house. an
independent institution, did it 'the hard
way by comparing the Croatian Fraternal
Union with nothing less than the 20 largest
life insurance concerns in the United States,
a comparison par excellence.
Since the 20 companies used for COM
parative purposes have an average of 50
years of life insurance experience, own
SOce of the invested assets of all the life
insurance organizations in the United
States, and hold approximately 74fo of
all the life insurance in force, a favorable
comparison of the factors in question is
most certainly indicative of sound general
management in the case of any group.
Here, then, is how the Croatian Frater-
nal Union stood up under the fire Of search
ing comparison based on annual statements
on file as of January /, 1854.
Financial Stability, Assets for each S1O0
of Liabilities: Croatan Fraternal Union,
S11O.55, average 20 largest life companies,
$1,000. This indicates the financial sound
ness and ability of a company to meet all
obligations as they become due.
Gross Surplus, per 500 Of Life Re-
serves Croatian Fraternal Union, S11O2,
average of 20 largest life companies, SS51.
A large surplus ratio indicates the ability
to take emergencies "in stride" 1t is the
acid test of excellence in the case of any
such organizations and shows the amount
of excess funds to life reserves.
Total Income, for each S1O0 Disbursed
and Allocated: Croatian Fraternal Union
S153.21, average 20 largest companies,
$104.17 An ample margin of income over
all cash requirements is the best indication
in the business world Of sound general
management and favorable mortality ex-
perencc, both important to the success of
an organization.
Lquidity, Assets in Cash, Bonds and
Stocks for each 500 of Liabilities: Croatian
Fraternal Union, S1O324, average 20 lar
liquid assets enables an insurer to meet
promptly current obligations for any emer-
gency that may arise.
Reserve, per 81 900 Life Insurance:
Croatian Fraternal Union 1921 "a, average
20 largest companies, S21SS2 This is fur
ther proof of the strength and stability of
a successful organization.
Surplus, per 81 900 Life Insurance.
Croatian Fraternal Union, S25. .48, average
20 largest companies, S1S63, added proof
of the actual strength of company
These are facts which the Socety's
Field Workers should not fail to stress to
prospects during the course of the Mem
bership Campaign being conducted this
year in honor Of the Goth Anniversary of
the Croatian Fraternal Union. They are
facts that cannot be disputed, facts that
cannot be pooh-poohed by any competitor,
bar none.
They are facts which prove many
things, one above all = that the only place
left for the Croatian Fraternal Union to
go in life is up, and not down