Year: 1888

page_text: 1, JAMES FRANCIS LEE, of 232 Clark Street Chicago, in the County of Cook and
State of Illinois in the United States of America, Commercial Agent, do hereby
declare the nature of this invention to be as follows:-
The purpose of my invention is to enable insurance Companies to furnish to the
public, accident policies in which as one of the most important features thereof,
prevention is made against loss of evidence of the transaction, also a means is provided.
whereby the time at which the policy becomes effective may be optional with the
purchaser and further provides generally a more convenient and satisfactory system of
accident insurance-The usual method of issuing policies by accident insurance
companies is to supply the purchaser of insurance with an instrument containing
conditions the time at which risk begins and every thing that is obtained by the
purchaser pertaining to the transaction, embraced on a single card or slip. This, the
insured, who is about to take a journey usually carries about the person for want of
facilities for safer disposition of it. Thus, in case of accident in which the destruction
of personal effects by fire or loss by thift or loss otherwise occurs, no instrument of
evidence of insurance remains to the insured. My method of meeting the require-
ments of this class of insurance embraces provision for convenience in mailing the
policy to the family or other custodians for safe keeping thereof, and also provides a
complementary portion convenient for mailing to the Company as an acceptance,
whereby that feature embracing optional beginning of liability or force of the policy
may be determined by the purchaser, and further embraces, as a preferable feature, a
portion or complement to be retained by the insured.
There are thus three elements of importance embraced in my system of issuing
policies.
For a more detailed description reference is had to the accompanying drawings, in
which
Figure 1 illustrates the elements of my invention in one form and
Figure 2 is a modification thereof.
A and B represent cards suitable for mailing, preferably postal cards such as
supplied by the British Government and in common use. Between the adjacent ends
P8d1

page_text: f
of these cards is a coupon C, that is so affixed thereto by adhesives, or otherwise as to
form the three parts into a single sheet that may be folded for convenience in carrying
the same.
One of the cards A for example, has printed upon it the policy with the
necessary signatures of the Company's Officers, to make it effective under certain
conditions. The other card B bears upon it printed conditions by which the purchaser
upon compliance with provisions of the policy, excepts and puts in operation the
Company's liability in the matter. To illustrate the plan by which the insurance is to
be effected under my improved system, the company provides the complementary
cards that will represent the three features of my invention which may be purchased
by one who contemplates insurance the card or part A being ready to become effective
as a policy at the option of the purchaser, for which a price is paid at the time, pro-
portionate to the amount named in the policy for which the Company is to become
liable to the insured or the latter's representatives in case of injury or death, and also
proportioned to the length of time the liability is to run.
Upon a small coupon a not to be detached from the policy-card is a provision for
entering date and hour of acceptance.
The Card A after such affixing of date and hour as may be elected by the purchaser
for beginning the life of the policy may be detached and mailed to the family or other
selected custodians thereof. The Card B, at the same time being detached from the
coupon . may be forwarded by mail to the Company by whom the policy was issued.
At the time of accepting the policy the insured affixes his signature to the card B
which preferable should be witnessed and also affixes the date and hour of acceptance.
The residence of the insured and other matters desirable for the Company's information
may preferably have been affixed to the Card B at the time of the sale of the policy.
The coupon C. having printed upon it matter sufficient to identify it as one of
the three elements constituting the policy and also bearing date and hour of
acceptance, is to be retained by the insured. The modification shewn in Figure 2
illustrates the three elements as consisting of Cards D. E and F. two of which at least
should be suitable for ready mailing. The cards in the latter example are held
together by a clip or fastening b at the corners, so as to permit the three to coincide
in position or be separated by lateral movements of one upon another. The form or
means of attaching together the three portions or elements constituting my invention,
I do not deem important, providing the purpose is subserved for which such invention
is designed in the manner substantially as set forth.
It is apparent from the foregoing description of the method involved by my invention
that the objections and obstacles to desirable accident Insurance are obviated. The
cards or slips, as set forth, may be issued to cover any desired amount of insurance or
duration of time, from the smallest amount and shortest time that could reasonably be
desired to the largest amount and longest duration desired by the Company and those
contemplating insurance, and which by the provisions set forth, may be made effective,
at any time by the person desiring insurance, without the usual risk of evidence of the
transaction being destroyed. My invention does not depend simply upon the fact that
auxiliary or supplemental parts are added to the policy, but upon the fact in
connection with the provision for convenient mailing of the main element i.e. the
policy and also the accepance. A further feature of importance, and one essential to
the invention has its foundation in the fact that the parts are complemental so that one
part may identify another.
The element coupon C, may be omitted from the combination without seriously
impairing the usefulness of my complemental policies.
Dated this 2nd day of May 1888.
ARPMAEL & Co.,
Agents for the Applicant.

page_text: COMPLETE SPECIFICATION.
Improvements in Accident Insurance Policies.
I, JAMES FRANOIS LEE, of 232 Clark Street, Chicago, in the County of Cook and
State of Illinois in the United States of America, Commercial Agent, do hereby
declare the nature of this invention and in what manner the same is to be performed.
to be particularly described and ascertained in and by the following statement :-
The purpose of my invention is to enable insurance companies to furnish to the
public, accident policies in which, as one of the most important features thereof,
prevention is made against loss of evidence of the transaction; also a means is provided
whereby the time at which the policy becomes effective may be optional with the
purchaser, and further provides generally, a more convenient and satisfactory system
of accident insurance. The usual method of issuing policies by accident insurance
companies is to supply the purchaser of insurance with an instrument containing
conditions, the time at which risk begins and everything that is obtained by the
purchaser pertaining to the transaction, embraced on a single card or slip. This, the
insured, who is about to take a journey usually carries about the person, for want of
facilities for safer disposition of it. Thus, in case of accident in which the destruction
of personal effects by fire or loss by theft or loss. otherwise occurs, no instrument of
evidence of insurance remains to the insured. My method of meeting the requirements
of this class of cinsurance embraces provision for convenience in mailing the policy to
the family or other custodians for safe keeping thereof, and also provides a compli-
mentary portion convenient for mailing to the company, as an acceptance, whereby
that feature embracing optional beginning of liability or force of the policy may be
determined by the purchaser, and further embraces, as a preferable feature, a portion
or complement to be retained by the insured. There are thus three elements of
importance embraced in my system of issuing policies.
For a more detailed description, reference is had to the drawings left with the
provisional specification in which
Figure 1 illustrates the elements of my invention in one form; and
Figure 2 is a modification thereof.
A and B represent cards suitable for mailing, preferably postal cards such as
supplied by the British Government and in common use.
Between the adjacent ends
of these cards is a coupon C, that is so affixed thereto by adhesives, or otherwise, as to
form the three parts into a single sheet that may be folded for convenience in carrying
the same.
One of the cards A, for example, has printed upon it the policy, with the
necessary signatures of the company's officers, to make it effective under certain
conditions. The other card, B, bears upon it, printed conditions by which the
purchaser, upon compliance with provisions of the policy, accepts and puts in operation
the company's liability in the matter. To illustrate the plan by which the insurance is
to be effected under my improved system, the company provides the complementary
cards that will represent the three features of iny invention, which may be purchased
by one who contemplates insurance the card or part: A being ready to become effective

page_text: as a policy at the option of the purchaser, for which a price is paid at the time,
proportionate to the amount named in the policy for which the company is to become
liable to the insured or the latter's representatives in case of injury or death, and also
proportioned to the length of time the liability is to run. Upon a small coupon a, not
to be detached from the policy card, is a provision for entering date and hour of
acceptance. The card A, after such affixing of date and hour as may be elected by
the purchaser for beginning the life of the policy, may be detached and mailed to the
family or other selected custodians thereof. The card B, at the same time being
detached from the coupon C, may be forwarded by mail to the company by whom the
policy was issued. At the time of accepting the policy the insured affixes his signature
to the card B, which preferably should be witnessed, and also affixes the date and hour
of acceptance. The residence of the insured and other matters desirable for the
company's information may preferably have been affixed to the card B at the time of
the sale of the policy. The coupon C, having printed upon it matter sufficient to
identify it as one of the three elements constituting the policy and also bearing date
and hour of acceptance, is to be retained by the insured. The modification shown in
Figure 2 illustrates the three elements as consisting of cards D, E, and F, two of
which, at least, should be suitable for ready mailing. The cards in the latter example
are held together by a clip or fastening b, at the corners, so as to permit the three to
coincide in position or be separated by lateral movements of one upon another. The
form or means of attaching together the three portions or elements constituting my
invention, I do not deem important, providing the purpose is subserved for which such
invention is designed in the manner substantially as set forth.
It is apparent from the foregoing description of the method involved by my inven-
tion, that the objections and obstacles to desirable accident insurance are obviated.
The cards or slips, as set forth, may be issued to cover any desired amount of insurance
or duration of time, from the smallest amount and shortest time that could reasonably
be desired, to the largest amount and longest duration desired by the company and
those contemplating insurance, and which, by the provisions set forth, may be made
effective at any time by the person desiring insurance, without the usual risk of
evidence of the transaction being destroyed. My invention does not depend simply
upon the fact that auxiliary or supplemental parts are added to the policy, but upon
this fact in connection with the provision for convenient mailing of the main element,
i.e. the policy, and also the acceptance. A further feature of importance, and one
essential to the invention, has its foundation in the fact that the parts are complemental
so that one part may identify another.
The element, coupon C, may be omitted from the combination, without seriously
impairing the usefulness of my complemental policies.
Having now particularly described and ascertained the nature of my said inven-
tion and in what manner the same is to be performed, I declare that what I
claim is :-
1. A complemental insurance policy substantially as set forth, consisting of a card
or slip having printed thereon the conditions and having the underwriter's signature
thereto, and space or spaces for affixing the date or time of acceptance; also a card
having printed thereon matter so complemental of the first as to identify it as a portion
thereof, with space suitably provided for affixing the signature of the insured and space
for affixing the date and hour of acceptance; said cards being secured together with
provision for ready separation and adapted for address and mailing without further
provision therefor.
2. A complemental insurance policy substantially as set forth, consisting of a card
or slip having printed thereon the conditions and having the underwriter's signature
thereto and space or spaces for affixing the date or time of acceptance; also a card
having printed thereon matter so complemental of the first as to identify it as a portion
thereof, with space suitably provided for affixing the signature of the insured and space
for affixing the date and hour of acceptance; said cards being secured together with
provision for ready separation, and adapted for address and mailing without further.

page_text: provision therefor; and a detachable coupon affixed to the cards, having printed
matter thereon complementary of said cards, whereby its relation to the latter may
be established, and also having thereon, suitable space for affixing the date and
hour of the acceptance of the policy.
3. An insurance ticket, consisting of a postal card A, containing the policy, a
postal card B, as a means of notification of acceptance, and a coupon C, attached
to, and forming a connection between said cards, substantially as and for the purpose
set forth.