Show 7 4 AA i I 1 11 ag im w g z r 0 g 0 sg a r nr inow wiz S I 1 1 4 wk av 4 4 OF I 1 I 1 z v 1 g t F 4 6 I 1 i wj 4 t kar ra dirle 01 NEWGATE anal L ORDER CONDU CONDUCTED b ON A NEW PLAN y 1 5 n A y 1 11 I 1 11 I 1 I 1 ift a 7 5 0 I 1 etc 5 j I 1 wn safe and ar magnet fisit W wm oraw hosid thousands i di from the denver bues thero there to is no assets or estate which 41 driad man taw can leave to hu bla fatal family that Is so certain rt 11 oo so eafe safe so BO easily and so available 1 as the w which b binds in some ome so sound adi r rean reputable table andraid tra ta beneficiary ky association to pay to his hi heirs a certain amount ot gt cash within a s specified fled time after proofs of his bis death have hare been made ada willious millions upon millions of dol lar istra nave have been distributed amous amone the sam lies of et deceased certificate holders during the tt past 4 quarter rt of a century cent nry until protection us saw some safe Z a and reliable form b has COMO come to be r regarded 4 as one ot of the a absolute n necessities 2 of every ery ton man whose whom aim and 0 object act Is in to leave leare lea re his loved ones provided fr w when en he be is called upon to lay down his di bi den of care and toll some too hleb some too cheap that there them Is no scarcity of life isburn insurance nee companies and associations Is well known and it ls is equally well understood that the old line or clevel lerer premium um companies with their excessive rates large lane dividend and n d high salaried offic officials lAts charge entirely to too 0 much to enable men in the poorer fat paid alu occupations of life to crr carry policies p in that class of companies mp anies and 0 of q late it Is boint coming afi to be a aeu ell recognized fact that almost all the he fraternal organizations with ben beneficiary eft clary features are open apen to an equally strong ob lection in that they charge too little to insure their existence tor for more than a comparatively ively few years in their desire to secure a large membership within a short time most of these organizations make the fatal mistake of 11 fixing g their ass assessment emment rates so low as to preclude the possibility ot accumulating anything g tn in th the e way 0 of r a guarantee tee or reserve fund nd an and d t the result 1 t I 1 la 91 inevitable As soon as the be tent of first medical selection wears off or the members first admitted live out their life espee expectancy tancy an army of members constantly marching to the grave suf suffices flees in a few betro to begin that sure process of decay which Is never interrupted but goes ou on stead steadily t ly to the end they in make a no provision sto for the h c increase of herov gages assessments is w which I 1 eb must follow when tb the young yonn members begin to be old members and the the mortality rate becomes large while sufficient new blood cannot be infused into the society to offset the natural increase in the death rate re tween these two extremes of charging td to much and 12 d too little there is a golden mean and t that h at has been attained by the united moderns A mew fraternal order which was crl argan teed iced a little over three months ago by a large number of danvers Den vers most prominent citizens cit inge zens and best beat financiers the organizers and management of the united moderns recognized these facts in the beginning of their efforts first stat the plan of f any new organization of thas character I 1 must must not only be a good plan but it must be a little better than the plan of any similar society or order it must te ce practical i attractive and meritorious to an unusual degree it must be devoid of the faults and T weaknesses mn esan of other plans and embrace all the good features of others it must go far ther and incorporate features that are entirely new all this the founders fon and promoters of the united moderns modems have done and done it well second the management must be aggressive aud and certainly in this ire g p ee t there can be no critic criticism iam tor for in less th than a n t thre months from the date of organization za tion the united moderns have hare entered over one third of all the towns in the st state ate forming lodges and numbering num berin amon among g th the membership in each place many of the most prominent prominent romi nent c citizens what its record will ge be in three years rs at this rate li in something that would te be difficult to estimate te what the plan provides provider I 1 the plan of the united modems while i providing for the protection of its members without phout increasing the cost to them as they grow older by the accumulation of a reserve fund only makes it to charge i a slightly higher rate in the beginning than alver Is charged by v those organizations which make cheed no 0 pro provision vlon T for a reserve fund in other words the member while in hii hi bl i younger more vigorous and productive ahlet ag age i willingly pays a trifle more in order anler that when he becomes old and feeble lits ills assessments will not increase ns its Is th case in most institutions of this kind this his plan permits the young man to join in lter toja y years rs at the same game cost as the young man of bf today to day ay thus insuring continuous growth itna prosperity p of the order at a time wien vl en other orders working upon the death assessment plan would be going into decay for iloth both men and ami Wo women goelL those eligible to membership in ID the united moderns are men and women n the 11 h ages of 18 and 53 55 years applicants M must pass a an satisfactory factory medical examination and certain hazardous occupations ar orp prohibited thus reducing the risk to the lowest possible figure the e fraternal feature re of the united modems Is an attractive one bringing brin glug together toli ether lu in a social way the ladles and gentlemen who constitute the membership of what wha t la is doubtless destined to become a leader among the neatest fea greatest test fraternal organizations in the wor world summary Sn mmary officers of the old oia line companies admit that they char charge go too nuch much n uch fur for insurance while the promoters of well known assessment companies acknowledge tbt the greatest weakness of and peril to thebe organizations lies 11 lu the tack lacic of proper provision having been m made a de for the accumulation of a reserve fund so that tha t the inevitable increase in cost may be averted the truly fraternal trat frat erual plan ian secures secured protection and nta uy fraternal benefits gene benefits fits as well at a ml minimum i 1 1 11 cost as clear clearly ly stated 6 ta in the literature e u r e 0 of f the model erno nf another modern modem feature the investment of the surplus or serve reserve rc funds Is under the direction of the board of man managers of the moderns and the advisory managers committee alers atee acting jointly under a modern r system of accounting and checking designed der to reduce to the minimum every possibility 61 ened lity of the loss of any of the funds among this latter committee are such well known men as ex calef justice helm late of the colorado supreme court cour t E H webb the pre present eat sheriff of arapahoe Arap aboe county the other members bein being g men of prominence resident in other states the officers and managers the offic officers erg and board of managers mica mav gera agers of the united moderns are as follows follow 3 supreme chancellor edwin M johnsoa Johns who didgen is general manager and attorney of the fidelity aft savings association of denver with a subscribed c capital of vice supreme chancellor aud depa department I organizer E Z 31 elliott El llott late field manager of the fidelity fidelia 1 supreme recorder and counsel E W sm smith a well L known H ow u pr practicing act ic I 1 n F attorney of this city second vice chance chancellor lor and ana department organizer W L L stowers late general agent of the fidelity supreme e n e medical examiner dr G N mac Maco or sigr rober a a prominent denver physician ly cian and surgeon supreme financier V E sti S irish Its assistant sistan t cashier of the denver national bank while M B johnson prominently Id identified entitled with the fidelity savings alsoc assoc association lation Is a member of ahe board of managers the depool i of athe the united moderns are the denver national bank capital and surplus the fidelity savings association capital and surplus thus it will be seen that with its admirable plans its aggress aggressive ivL and it its ample mancial nanc lal endorsement there there Is nothing in the way of the success f the united moderns M gaj ns which hah ts is encumbered encumber el with none of the dangers or difficulties of 0 the two extremes between which it forms a happy medium there Is the greatest nert need for such a plan the reasonableness and justness ot of which ap appeals eals to all who the growth already ready attained by the order will enable it to 0 protect all present business and insures the e greatest strength and permanency n e M that this modem idea bles and enterprise has originated in denver Is a source of congratulation to all ll 11 our people and the e citizens ze n a of 0 f colorado are am certain to show their a appreciation p p re clathon by a most libel liberal al aupp support or ot of so worthy an organization as is the unit united ed moderns |