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Show 1 i LEHI FREE PRESS. LERL UTAH . ' " i Ernie t the Navy: Pyh With VJINETEEN forty-fiv- e in nmmmm i American life insurance's centennial 4 1 ' art J -- view on Broad street in front of the Stock Exchange and (then the Customs House) in New York City in 1845 when life insurance had its beginnings. A Sub-Treasu- ry maintain the fliers. The air offi- - est flight deck in existence. They're cers, the mechanics, and imTiaas proud they can even hit the damn of plane handlers thing. who shift and push and manIt's easy to get acquainted handle the planes aboard a naval vessel. a dozen times a The sailors are just as friendly day around the as the soldiers I'd known on the deck. other side. Furthermore, they're so These men are fir delighted to see a stranger and have ordinarily known somebody new to talk to, that they as "Airedales," aren't a bit standoffish. but the term isn't They're all sick to death of the much used on our isolation and monotony of the vast ship. Usually they Ernie Pyle Pacific. I believe they talk more just call them about wanting to go home than even selves And third is the ship's crew the the soldiers in Europe. Their lives really are empty lives deck hands, engineers, signalmen, cooks, plumbers and barbers. They They have their work, and their run the ship, just as though it were movies, and their mail, and that's just about all they do have. And any ship in the navy. U'. years ago state insurance commissioners and mathematical wizards of births and deaths for a pe tors are keeping us alive longer, the insurance companies recognized riod. you'd better read on. the fact that the tremendous imAt first glance it would seem that nis taDies were the precursor provements in medical science, had for many others such as the Eng under the new mortality table, life made the old "oddb table" obsolete. lish tables of 1762. But all such im insurance rates will be cheaper, but In the light of modern methods of proved tables over the last two cen- that is not true. John S. Thompson, human existence, a new turies failed to keep pace with medi vice prolonging president, and mathemaa tician (actuary) of the Mutual Beneei oi uie expectancy standards was cal science. The fliers aren't looked upon as neeaea. Our first actuarial brainchild was fit Life Insurance company, speakGods by the rest of the crew, but But figuring out these standards called the American Experience ta ing for all life insurance companies, are respected. Hardly a man they which He tells was ble, into and fitting them to rates or fitusage brought why. says: on the crew Would trade places "Policies now in force will not be with them. ting rates to them wasn't a simple right after the Civil war. With minor They've seen enough matter. For instance, they knew that changes it has continued to be the affected, nor is it expected that polion deck to know what for and life base If computing you cies sold in the future will be. That the fliers you are 30 years old have a accepted go through. far better chance of living beyond death chances up the present time is because the amount of interest But there is a feeling a slight Meanwhile the M. D.s were busily life insurance that age than you did two decades companies can earn one between the ship's regular In our American on their invested funds has dropped crew and ago. It was n!y a few decades ago engaged making the air maintenance crew. that eight out of every thousand Experience figures look sick. Their sharply in the last few years, and The is on the part of the feeling success in the lower died at age their operating expenses, wages and keeping people that age. Today, crew. ship's They feel that the alive thanks to more public enlightenment groups longer is directly re taxes, have increased. think they're prima on medical matters and improvesponsible for this major effort to re Fewer Investment Chances. donnas. . ments in diet (including more frame the basic structure of all They say to you "Them Aire "The cost of life insurance deknowledge of vitamin requirements) life insurance in the United States. Just by way of proving the point. pends upon three points: (1) the dales is the ones that gets all the only two or three persons per thouin 1900 the U. S. average age was number of claims paid on policy- glory. Nobody ever hears about us. sand are dead at the age of 30. 49.24. A couple of years ago it stood holders who die in a given year; All we do is keep the damn shiD Rates About the Same. (2) the yield or earnings from in going." at 64.82. But even though the improveWhen it all began back in 1845. vestments of reserve funds; and (3) ment in our life chances seemed to this was a It is these who husky young nation. But the cost of operating the company. indicate much reduced rates, this war has sharply decreased make the flight deck of an aircraft ine of its huskiest young citizens many was offset over the years by the de- fell victims to one disease or an the field for profitable investments, carrier look as gay and wildly colorterioration of our interest rates and and tuberculosis be- he points out. War industries are ful as a Walt Disney cartoon. For other, diptheria the increased cost of doing business. financed by the government; and the they dress in bright colors. ing the most active. The problem of adjustment was They wear cloth helmets and building industry, once a big field Hazards. Many threefold: (1) rates according to lor loans, is now dormant. Thus in sweaters that are blue, green, red, Even improved 'ife probability; (2) com- out of as late as 1900, more than 40 surance companies which formerly yellow, white or brown. They make every 100,000 people suc- earned from 4 to 6 per cent on their the flight, deck look like a flower pany income according to lowered return on investments; and (3) com- cumbed to diptheria. Today it's only funds, now earn only slightly more garden in June. one per 100.000. EuroDe's hlar-man a per cent. From 40 to 50 per This colorful gear isn't just a pany expenses as compared to "the good old days" when breakfast cost plague of the early 17th century cent of insurance comDanv funds whim. Each color identifies a spe, wasn't much worse a scourge than are invested in war bonds at a nickel and the company an cial type of workman, so they can president the horrors of drew a salary of $30 per week. pulmonary tubercu average yield'of about 2 per cent. be picked out quickly and sent on losis over the last century. StatisAnd many hurried tasks. have guaran The insurance commissioners had tics for 1900 show that this killer teed a 3 companies Red is the gasoline and cent to return . a per their major mathematical problem be- took 173 out of every 100.000. Todav detail. Blue is for the guys who policyholders. That is why insurance fore them. For the latter two less than 40 points per 100,000 die of the rates cannot be reduced. ' just push the planes around. Brown lowered earnings on invested disease each year. It was a dead cinch to earn the is for plane captains and mechanics. funds and sharply rising costs of For these reasons, couDled with all good old 6 per cent back in 1845 and White stands for radiomen and the doing business more than cov- the other hazards of living a cen- a lot more, too, even though Mutual engineering bosses. Yellow is for the ered the slight break they showed tury ago, the old boys scratched Benefit's records show that Robert plane directors. on their books because the doctors their heads twice before insuring L. Yellow is what a pilot looks for Patterson, founder and first were keeping us alive longer. their fellow men promiscuously. and his directors, scorned the moment he gets on deck. For president, Nevertheless they went ahead AlWhen Ben Miller the first tne possibility of oavine bie divi the plane directors guide him as fred N. Guertin of New Jersey, was life policy issued by bought Mutual Benefit dends by "grubstaking" a few of though they were leading a blind made chairman of a commission- Life Insurance in Newark in 1845, the "49ers. Sound, con man. They use a sign language ers group to recommend the new there were many "don'ts" tied to the investments were made with their hands, that is the same "life" tables. Five other state com- policy. Ben bought $1,500 worth of servative to protect widows and orphans. But. all over the navy, and by obeying missioners sat with him. John S. insurance on his life at a premium as the investments tneir signs explicitly, tne pilot can conservative Thompson, mathematician and vice of $51 a year with the provision were then, they paid handsomely as taxi his plane within two inches of president of the Mutual Benefit Life that: (1.) He didn't die on the seas; another pne without ever looking at Insurance company of Newark, N.J. (2.) he didn't leave the countrv: compared with today. , li. Money Earns Less Than was a committee member represent- (3.) he didn't go south in the sum after the Actuarial of the turn ing Shortly the cen of mertime; (4.)he didn't (without Society America. consent) Join the army; (5.) he miy, lemrns on invested mnnev Comfortable Quarter didn't cut' his own throat to im- tightened up considerably. All this Enjoyed by Crew Sixteen states enacted the All the pilots and ship's officers "Guertin law," which means prove his wife's finances; (6.) he is reaony reflected in overall returns that the insurance companies doing dian t expose his insured and valu- to policyholders. Eetween live in "officers' country" in the forbusiness in those states can in 1945 able carcass by duelling; (7.) he Mutual Benefit policyholders were ward part of the ship. They live in adopt the recommendation of th. religiously avoided the gallows or getting about 2.1 per cent on their comfortable cabins, housing from Guertin committee into their future guillotine. and so on for auitp donars paid m. The one to four men. picThe crew lives in compartments. policies. The law became effective some distance in slightly more tech- ture was still trending downward to 1.7 about per c?nt per annum. of all shapes and sizes. January 1 of this year on an optional nical verbiage. They It was vastly different in 1845. In Some are Ben, it might be remarked, was basis but it becomes mandatory hold as little as half a dozen after three years, in December, 1948. one of the hardier sort, for he lived to those days the company president men. Others are big and house a collect his own insurance at the drew $1,500 per year just about the hundred men. IIjw It All Began. price of a fair cook or housekeeper age of 96! The navy doesn't use hammocks Centuries before Messrs. Guertin on today's market. The top insurWhile the early directors of insurman has a bed. It anymore. and associates took on their her- ance companies had no ance salesman wasn't allowed to is called aEvery worries "rack." It's merely a culean job, a Roman named about clients s killed in an earn more than $3,000, all other tubular framework, with wire devised an "odds table" for a automobile or being going back to the company springs stretched across it. It is atairplane, the 1845 citi- earnings few of his friends. Ulpianus was a zens of Pres. James Polk's nation of till. The rent bill was $25 per tached to the wall by hinges, and is lawyer with a flair, for figures. As a 27 states were liable to find them- month. One of the ranking "assistmatter of fact, his life expectancy selves without a scalp if ants" drew the good (in those days) folded up against the wall in the they took daytime. charts were so good that they re- Vie "covered-wagon- " salary of $300 per year. trail west. The "racks" aren't let down till mained unchallenged from 220 A. D. the Today Life taxes, alone, on a about seven in the evening (except for almost 15 centuries. Even as could insurance companies also building occupied by one indiscount the probability of the for men standing regular watch late as 18H, the Tuscan government "insured" surance company exceeds 10large million from who must sleep in the daytime). dying heart failure used his figures. dollars annum. And the charper because of the then modest 15 milwomen on the 31st floor would Not content with Lawyer Ulpianus lion dollar public debt. A light carrier, such as mine, has laugh Perhaps it is findings, however. Edmund Halley. worth noting that over the years the at an offer of $300 a year. Even the only about a third as many planes elevator would boy known as the English astronomer increase in heart disease sneer at the same as the (and it big carriers, and less than Robert Patterson was paid who discovered the famous half the crew, but it does exactly the Halley's has increased considerably) is in salary in 1845. undertook comet, the job of comput- ratio to the government's debt to Now you know why insurance is same kind of work. ing "modern" mortality tables in the people now at the Of the three types of carriers in quite 1693. His method was the basis for immodest going to continue to cost just about the figure of almost 300 bil- the navy, ours has the narrowest same as it in has present-dathe past. As a computations; namely lion, a very large hunk of which is deck of all. It's so narrow flight that of using accurate vital statis- held by the same insurance com- group, we're living a lot longer that when planes take off they use and there is less risk in tics. Halley selected the city of Bres-la- u panies. insuring the left side of the deck, in order us. as a But, been (you've group we cost a that their right wingtip won't come If as you read this, you've been reading about it in whale of a lot to hanrti the war news from Silesia) for his to find that now insurant the too close to the "island" as they hoping of fancy interest returns guinea pig from 1687-9observing rates will be lower because the doc are days pass. over. Our pilots and crew are quite five-ye- A f, fl i t :4Zt i ar "plane-pushers- ." nothing to look forward to. They never see anybody M but themselves, and that gets mighty old. They sail and sail, and never arrive anywhere. They've not' even seen a native village for a year. Three times they've been to re lifeless sandbars in the mote, Pacific, and have been allowed to go ashore for a few hours and sit under palm trees and drink three cans of beer. That's all. crash-landin- plane-handle- sf iiii wm VI i,&-- I'A ' corntipj k gold-seekin- g 2. so-call-ed 1914-19- 28 ... 1929-194- 3 Ulpi-anu- y 2 chaii hZ with construction itn: ering clearly illustrated, a bill 2t rials giving lumber estimate. padding and covering materii. 7! cents with nam 15 Name... Address. SNAPPY FACTS ABOUT disappointed tod. They say "But it's tough to be away from home for more than a year, and never see anything but water and an occasional atoll." And I say yes I know it is, but there are boys who have been in Europe more than three years, and have slept on the ground a good part of that time. And they say yes they guess in contrast their Iivps are pretty good. Seaman Paul Begley looks at his wartime life philosophically. He is a farm boy from Rogersville, Tenn He talks a lot in a soft voice that is southern clear through. He's one of the plane-pusheon the flight deck. m31 stand this monotony all right, he says. "The point with us is that we've got a good chance of living thrnnuh pretty tv,;-i. of the marines who have to take the beaches, and the' infantry in Germany I can stand a lot of monotony a I know my chances are pretty good for coming out of it alive." But others yell their heads off about their lot, and feel they're being persecuted by being kept out of America a year. I've heard boys say "I'd trade this for a?x-hol- e any day." You just have to hkePthatUr mUth ShUt t0 3 remark rs One government rubber plant, synthetic operated kr The B. F. Goodrich Co., la 14 months produced In synthetic rubber the equivalent to tke rubber yield of approximately 14 million rubber trees during the same period. Fourlumbercompaniesubaibl to the cost of building a private road for hauling logi Iran an Oregon forest. The road b entirely on private ground and fm from all state and local regulation, and trucks can be operated thereon license-fre- H'U'h' t Z-- - "t UVV' aircraft carrier is a noble It lacks almost everything that seems to denote nobility, yet deep nobility is there. A carrier has no poise. It has no and lopgrace. It is sided. It has the lines of a well-fething. top-hea- d rtw rt Ui WU Brooklym ftrrt Urry cow. iockt frta to nil. '" '" ' f ,J "i . new rubber synthetic among the new soles are items in the rubber field. "v footwear grx ess wa Goodrich to At least 50 per cent of the sail-or-s conversation, when talking to a myself' is about thTe EgsTr The terrible typhoon they went tS hit by JaP mbs; Tre desire to get back to y jndr The tVDhoon thouirht th v 3nv awiui B ine same way J "trovers that cap! sizedfehree inclined to roH badly anyhow. Todav h hh i... Zl?tLl5 17 , sh; j iP smokestacks the water when ai Id.r over- - a lot of peopie were seasick ir"; ....vu during that storm. -- n Low Moods Are Oft Related Y for come 7 different Purely ve1 J r m i- X ONE WORD SUGGEST IU1IIJC Si VSTd'i" you ,yin a rather than "1U,B a red sash. is a ferocio,,, ,et a and out thingl it! erown VnhiS?";?' action has to!.utueve Cay its No. yprnioSyinteHWO,rli haS as S car" - " n. - KA It doesn't cut through the water enemy Ca? like a cruiser, knifing romantically honor tad"ed ' but '.ong. It doein't dance and cavort Proud one " U 8 ol precariu 8 fchty bar combination of 10 vegetate ingrw eata formulated over 60 Uncoated or candy coated, thar tion is dependable, thorough, gentle, as millions of NE iD a 25 Convince: proved. Get m--uouuuu; A&0 uuij- JjMKtAL N TOMOttOW LAXg tough after Uut mnqt tu... terrmorarv -.u,c'oeaare13 Miu ana ine :."-"!, not m their blood. Brig chemicals, no minerals, no phew k to it 1UW lhem of course wi" b'ackT;0016 not tne war. ran tionctftengotottherlTakeNsW" Remedy (NR Tablets). ContaiM -rhe kT-f'theL- er tors' To Cortstlpatld Yes,' depressed states and eonstl!' Very few of the Carriers Belie Their Clumsy Appearance An Gh Ot e. Shoes made with FOR ACID INDICEtflO" t' esti"l -- j.. uh Muures, MKS. RUTH WYETH SPirist Bedford Hills Knuk Drawer It Enclose 15 cenU for Pattern No. & Yet they do live well. Their food is the best I've run onto in this war. They have steaks and ice cream they probably eat better than they would at home. They take baths daily, and the laundry washes their clothes. Their quarters are crowded, but each man has a bunk with mattress and sheets, and a private locker to keep his stuff in. They work hard, but their hours are regular. The boys ask you a thousand times how this compares with the other side. I can only answer that this is much better. They seem to expect you to say that, but they are a little , -- NOTE Pattern No. ;so grams for all parts of the Finds Eat a Aboard Best of the War s" fire-fighti- tacks will probably take over padding is easy-j- ust cotton S ting basted to muslin over seat and back. The cushion have a cotton filling or mat u filled with feathers or ' rest is a simple coveringkapoc job RUBBER rs "plane-pusher- ; fZt I mrtmim.t year is accidental and coincidental, rather than purposely planned. Nine WMM0 TO ACKf lD SEAT If THE WESTERN PACIFIC The men aboard an aircraft carrier could be divided, for purposes of clarity, into three groups. and enlisted radiomen There are the fliers, both officer-pilot- s and gunners, who actually fly in combat. They do nothing but fly, and study, and prepare to fly. A Then there are the men who proud that we have the narrow i. , with needle and thread and, IN ,. f part is entirely covered With the frame fin shed By Ernie Pyle . 4 CL- - V; s w, home in a incurs. Victoria would be just as aporrr;.?11 modern room They able too, and nail together a box can woouen irame. Scrap boxes will do, for tais fcj? finds American life insurance observing its 100th anniversary and by way of celebration it s beginning to operate under set of actuarial tables. Until this year insurance companies have f i been "booking" life and death chances on the same basis as they were figured when the first American "life policies were written away back in 1845. But this year they are discarding the FfVK old "odds table" and putting into ecect a new one and that s a Si'1? V matter of prime importance to more than 70,000,000 Americans who own more than 125 billion dollars worth of life insurance. As a matter of fact, the adoption of the new actuarial tables in make Yo THT5 nair A Life Aboard Ship Monotonous, But Preferable to Foxhole WATSON Released by Wcttera Newspaper Union. . 10 Upholstered American Life Insurance Celebrates Its 100th Lots of Men Needed to Keep Anniversary by Adopting a New Actuarial Table Which Reflects Longer Life of Modern Citizen Aircraft Carriers Going By ELMO SCOTT r easy SAVE YOUR SCKiF ICTOB? Old METAL,'"- 1RUBBER |