| Show y WL4 m I I L 1 4Q Tfi 1 1 T TTf I A T laiRD a GAROISON LLV rRIlT D BY D Heill I lUOP a nickel In tho slot II and get Insured D That Is tho latest In limo ancient art of betting between be-tween corporation and Individual In-dividual In many of the countrys largo railroad pots you will find tho Insurance ma yoes Dy placing coins therein the trance company gives you long odds will not be killed before tho t you You that wager Journey nd I of your u alit be killed and of course you lose the company wins but at theme the-me time you figure that your win Ings In case you succumb may help wife and babies to tldo over I at t your T o joggle that all widows must faceR 1 face-R f c r I h VELL f iOPrE8o4 TlltYk kWo w LL Ch1IVCE WIICER M > JE LOYP6 O4YDENCLEHECYO TNO Ohl wqT7Ef Tou can Insure anything I Ealnst destruction or injury in ay form whatsoever Wore you speak tho mpany has accepted e proposl on to which on are about o give voiced voice-d the accep ace encom ute isses every 1sf except I course the rate to be charged That Is a rather broad statement ere Is Just one exception in tho list of tags insurable That Is the dlrectolre gown But things there arc so many insurable hat the French creation is hardly missed Heres a few of tho things on whose destruc 3n or safety you muy wager at long odds 1th Insmance companies Uves homes births deaths marriage do wtlc animals livestock barns crops circuses he success of business vessels any sort of Weyance against Injuries beauty a suit of lothes any wearing apparel jewelry false all teeth health athletic prowess theatrical Auctions Ideas of all kinds ail ships hank ttounts stocks bonds success In the forma Ion of social organizations elections of all ills fluctuations of tho stock murket race Curses Important messages exploring expe tons mining enterprises rain snow heat old eyesight bodily strength sanity etc tc etc 1 could kccp up Hint string of things In arable all day long for In Lloyds great Insur jce directory in Englund there are dozens r gigantic ledgers which list the articles and oman beings upon which that company and ber concerns are wont to bet in relation to ell destruction or safety < Ana out of these Insurance impositions grow dozen side lines to each plan For instance king crops us an example You can Insure onr wheat corn oats barley flax beet sugar otter eggs or cheese against destruction byre by-re by excessive cyclones by excessive heat J > ld I by robbers or by accident The same th your life You may provide yourself with OSUranco against Injury on trains If you are sailor against drowning it you are a rail 71 fireman against wrecks if a miner inn being entombed and so forth until there n the-re list has been exhausted But the shenthdlrectoiro gown wont Insure foe My ai wherefore of this IK because franco cliques bellovo that this article of ar Is destined to become decidedly nnpop r I rln the United States In Paris this might r given consideration but in America the I ulace III given credit fol a largo stock of f shine modobty Vn Only recently this test was made In NoW rt Lloyds received un application for a l 1000 policy on u consignment of sheath ens tram Purls which were bought by n big r I I I 1 fi iJ1 1 v f r a t l r r 1 r 3 f 1 t 1 r L y LOYDrS CLiWLF Th rPONCU TiYtLOifOOHt fCi d r o r t1 U G ar f l l b j 11 fi t I r r L l i i BUSNESS OFBFTTIiYC fl P TWE YQ Itslt t z 4 1 gilill1 f Deb lTwRFoRrNcyr I j by the recently a J cently enacted CY r 1 en-acted Insurance laws which tall tl lowed tal-l the famous 1 mous Now York a IavostIgatlon 111 UIDJQI l 1 nearly all of the orlrY a rB F 7JI nichall liof IYV IlnVIrttJLL WI concerns which lived LLOYDrS l through that scathing inquiry LC in-quiry are up to scratch re New York department store which seeing a boom In this article scooped its contemporaries contempor-aries by securing an early supply The merchants who secured tho goods felt rather skeptical themselves as to whether the latest Parisian costume would hold the Gotham womens attention As a consequence a New York broker was Instructed to secure an insurance in-surance policy upon the sale of the gowns in fact to Insure the popularity of the costume cos-tume In America To the surprise of the broker meichants and New Yorkers the proposition was turned down Hat Applications to other companies who were wont to bet upon almost anything which seemed a good risk also proved in vain and the New York merchant went to work by Inserting In-serting ncUertlsemcnlb in the newspapers through which method he hoped to overcome the refusal of Insurance This was the first Instance of Its kind ever recorded experts declare In which Lloyds have turned down tho proposition of Issuing a policy It probably was caused by the airy peufiloKe hurled by the male Americans who gavo the sheath gown the loud hawhaw when it appeared No business In the history of tho world has spread out as the Insmnnco game has It encompasses everything Ono Insurance man compasses another asked who rates himself quite u wag whether Lloyds would Insure an Iceberg from melting the latter answered If yond Why yes PicadiUy lane where It could tow It down to he watched by Lloyds the sort of insurance about which however American knows most is life In the average reached lurance and this Industry alono has surallce development that there Is lit of d such a stage Hnexpload territory for It to enter There are tie everywhere statistics life nsuranco agents hundred men of the big for every soy that and sometimes two life Insurance is one cities there agents So tho reader can easily dls ranee of opportunity to pro Is plenty cern that there s p vide his ai her family with financial protection death after were brought In time ShiN the companies gardlng legal requirements Nearly every up todate American possesses insurance upon his life If It Is not 1000 It may bo 500 or 100 but among the richest citizens of the country there are seven men who carry 1000000 or more upon their lives Rodman Wanamaker of Philadelphia a merchant Prince is Insured to the amount of 4000000 He is tho most heavily Insured man In the world for there is not a person even among the monarchs of the old hemisphere who can lay claim to In buranco equivalent to onehalf that amount Two men In the United States carry 1COO 000 upon their lives and there are four whoso death would net their families 1000000 enough to support several generations of families fam-ilies esAmon Among New Yorkers Financier James U Colgate carries moro Insurance than any of his neighbors In Gotham his policies which number nearly a score aggregating 1500000 However that sleepy old Quaker city Philadelphia shows the world a thing or two In providing for Its kin after tho death of the wage earner Tho millionaires and multimillionaires multimil-lionaires of that city In proportion to their number have acquired far moro lIfo Insurance than thoso of any other city In America and probably in the world The Insurance Press an organ which has devoted Itself this year to the gathering of a great volume of statistics on tho subject bus presented n mass of Information on the subject They all teem with the dollar sign and show Just how much money there Is In tho coffers of tho countrys rich The statistics statis-tics touch only tho high spots In a general resume re-sume but they show tho relations between Americas great cities and give a line on the general rainy day provisions which are taken by men of nationwide fame A synopsis of the report follows Ono hundred and eightyfour residents of Philadelphia are insured for 33000000 while New York with four times as many millionaires million-aires has 491 residents insured for 57000000 Chicago has 185 millionaires insured for 24 000000 There are 5139 men In the United States insured for 50000 or more tho total of their policies aggregating 540907000 There arc seven Insured for an oven million each four Insured for 800000 to 900000 ton for 700000 and 29 for 500000 to 000000 There are 1130 men who carry from 100000 to 150 000 each and 271 who are insured for 200000 to 300000 each Of the seven men who arc Insured for 1 000000 one lives In Georgia ono In Illlnolu i ono in Louisiana two In Now York ono in Pennsylvania and one In Wisconsin Now York city has 15 men who are Insured for from 400000 to 1500000 Philadelphia has 14 Insured for from 400000 to 4000000 Chicago has five Insured for from 400000 to 1000000 Plttsburg has five Insured for from 400000 to 1055000 Haiti moro has ten Insured In-sured for from 300000 to COO000 Buffalo has six Insured for from 200000 to SOO000 St Louis has 11 Insured for from 200000 to GOO 000 Detroit has eight Insured for from 200000 to 500000 San Francisco has five In that chiRS Cincinnati has 17 Cleveland six and Boston 1C with two moro whoso policies run up to 000000 each Milwaukee has 1C who are Insured for from 200000 to 1000000 Minneapolis five with policies ranging from 200000 to 800000 and Rochester six who arc insured for from 200 000 to 500000 There are lots of selfish persons who say Well whntH tho uso of mo getting Insured After Im dead tho money derived cannot hoof ho-of any mire uso to me Therefore please tell mo why I should expend any of these hard earned dollars for he sake of leaving u bone of contention to bo fought over by my relatives rela-tives Partly for the man who Is likely to make that statement and partly for tho Individual who would provide himself against tho Infirmities Infirmi-ties of old age great Insurance companies liave devised policies whereby tho party Insured In-sured may come Into his endowment when it Is most needed Time endowment policy is the one which Is perhaps moro popular among young men of tho ago than any which has yet been put upon tho market This allows the payment of a yearly premium Into the companys coffers and at tho end of 10 20 30 40 or 50 years the entire amount for which the policy holder was insured in-sured Is turned over to him or her Tho rate of Insurance varies with tho length of tlmo The longer the period between the payment of the first premium and the final endowment tho less tho rate other things being equal Just recently insurance companies Introduced Intro-duced another sort of proposition which Is tiiB limo reverse of that of Insuring ones lICe |
