Omaha Daily Bee Newspaper, April 25, 1909, Page 17

(0 ones as well as the father or husband or brother? Strong in Thirty- Eight States Has a Membership of 'Over Seventy y Thousand And Is Increasing at a Won- ( derful Rate Each Month The Woodmen Cirele is the only auxiliary of the Sov- ereign Camp, Woodmen of the World. Members of that or- ganization and any worthy woman who can pass the re- quired medical examination are eligible to membership. The Woodmen Cirele is organized for the purpose of pro- viding relief for its members in times of sorrow and distress, wluca’iiug them in moral, social and intellectual matters and BT promoting fraternal love and unity. The order also furnishes ’ A insurance in amounts of $100, $500, $1,000, $1,500 and $2,000. Members pay an assessment each month in accord- ance with their age at the time of joining the order and the amount of insurance they carry. The Woodmen Circle has established an enviable record among fraternal insurance organizations by the prompt pay ment of its death claims. It is doing business at the present time in thirty-eight } states, not including the territory west of the Rocky moun- tains, which belongs to a separate jurisdiction with head- quarters at Portland, Ore. The organization has a member- ship of something over 70,000, and is growing at the rate of 2000 to 4,000 a month. It has been rightly, termed, ‘‘The ( Little Giant in the Insurance World.” America’s Greatest Women’s Insurance Organization VVWOODMEN CIRCLE Auxiliary to the Any woman of good character and health between the ages of 18 and 52 is eligible to the Woodmen Circle. A man must first belong to and be in good standing in the Woodmen of the World before he can join, Why should not the wife or mother or sister enjoy the advantages of a social and business fraternity as well as the husband or father or brother? Why should not the wife or mother or sister help provide for their loved THE OMAHA § Woodmen of the World WHO CAN BECOME MEMBERS? THE HEADQUARTERS occupy the fourth floor of the WOODMEN OF THE WORLD BUILDING, on Fif- teenth and Howard streets, and its work is so well system- atized that only from twelve to fifteen clerks are necessary, to conduct its entire business affairs. Its plan is admirable, including an emergency fund, monuments to its deceased members and funeral benefits. One of the most commendable features is the probationary period which members are required to pass. Ms present membership, in the thirteen years of its existence, have ac- cumulated an emergency fund of almost $1,000,000, a larger reserve per member than any other order in the United States. 1t is not fair to them that this be used for the payment of premature deaths and despite every safeguard which fra- ternal organizations may establish, undesirable risks will at times slip in. So our certificates are issued payable one- third if death occurs during the first year of membership, one-half if during the second year of membership, two-thirds during the third year of membership, and after three years the full amount of the face of the policy. Applicants who are apprehensive that they will not survive three years are not considered desirable material for membership, but if such risks are accepted and die before the probationary period has elapsed, their beneficiaries receive splendid re- turns on the amount they have invested. This plan protects the living from the payment of extra assessments and is just and equitable to all. The Woodman Circle has paid out every minute since the date of its organization an average of $4.42 to the bene- ficiaries of deceased members, and yet, owing to its perfect plan and splendidly adjusted rates, the income has been ade- quate to meet all obligations and establish a handsome re- serve fund for future demands. Membership - - - - 70,000 Surplus Fund - - $1,053,342 Over 3,000 New Members Written During March, 1909 Largest Surplus Fund in Accordance With Our Membership of Any Other Order in Existence. EMMA R. MANCHESTER, SUPREME. GUARDIAN terest, since the nearer we approach to —_— thelr accomplishment, the more we add to NEW YORK, April medical eX- | human longevity. Prof. Fisher's recent s 4 means of prolonging human life Was | life insurance companies to lend thelr Sigmested to the Assoclation of Life In-|financial aid to the cause of preventive surance Presidents this afternoon by Dr.|medicine is one which meets with my Burnside Foster, editor of the St. Paul| hearty sympathy and approval 1 (Minn.) Medical Journal, and aiso a life Preventive Medicine of Mesit. A insturance medical examiner Such examl- “Preventive medicine becomes more nations, Dr. Foster declared, would reveal |nearly an exact science all the time, and the inciplent stages of unsuspected dis- | while its possibilities are far from being cases that could be cured or Whose prog- | realized, this is not because of its own ross could be materially retardes and it | inexactness or shortcomings, but becauss would thus be possible to add five, ten or | the people have not yet awakened to the more vears {o the average longevity of | fact that those dis pollcyialdors, Of course, such examina- | greatest number of deaths and the greatest 4 rot be made compulsory, but | amount of suffering are actually pre- ihought that the proposed In- | ventable, if money enough I8 spent (o ovid be welcomed by policy- | prevent them. The only way to enlist all they realized the value and |the people actively in the crusade against wance of It preventable disease is to present the sub- We extension committee of the |ject as an economic one, which it surely Presidents’ assoclation will consider Dr. |is, and one which appeals directly to their amination of policyholders every five years | plea for concerted action on the part ot | which cause the | / <kie, Foster's suggestion. This committee has | pocketbooks. 1 am glad that life insurance | business. 1 believe that this very thing |business of life Insurance if the public | were so fatal to these animals, and the Work of the Whedmsn Otste onLD PR“A‘ th SlCKNESS already in hand the proposition of Prof.| companies are beginning to be interested | s possible, although, of course, I would [ were to learn that the companies, besides | milifons expended by the government in | 1y v g Irving Fisher of Yale university that the|in it from this point of view. Its study | not o so far as to state anything as to | offering a protection to the family after |y oon oo B 5 he supreme forest of the Woodmen cir- — lifte companies should contribute financial [ will prove profitable to them and will af-| the average increased longevity that migiit | the death of the bread winner, were earn- o ve been returned many times | cle was organized twelve years ago and its Burnside Poster Makes Life In-|aid to a cumpaign of heaith education, |ford a most valuable object lesson to the | be brought about, There is probably not « | estly and seriously engaged in a concerted |'® the form of increased profits to the velous growth has astounded those Dr. Burnsi " . Prof. Fisher having declared that the gen- | people. physiclan who has not many times in his | effort to protect the bread winner during |farmers and stock raisers and have added | who are’ famillar with the hi f f surance Presidents Sit Up. eral adoption of hygienlc reforms would | “As far as their polleyholders are con- | experlence detected, while examining a pa- | his life? 1 belleve it would, and I be- | immensely to our national prosperity. The | ternal organizatio WY e ada fitisen yoars to the man of Iife In| cerned, life insurance compnies have two | tlent for some other purpose, the early |lleve that It the business of life insurance | problems of the control of the discases of | Mention of (M'"“'“h"u'ml PR this country. chief objects In view: First, that every | slgns of some beginning organic discase, and the profession of medicine were to . of WOULD EXAMINE RISKS OFTEN “Modern iadictne Wk, whove * 310, o8 policyholder shall be physically sound | of which the patient had no suspiclon. In |foin hands on the platform of preventive ',::';‘:'f:f'fl ::“”""f"m‘:{l}m"‘I:"“"""‘dl"”“‘, ”“; due to the wise guidance of Mra. Bmma B. chief aims, the prevention of dlsease and | when his policy is issued, and second, that | such cases the early recognition of the |medicine they would both earn the ETatl- | peasts. Are mot Its cltisens at teast se | MANCHester. who has been for ten years Recoxnition of Early Signs of Dis- | ine recogrition of ita earllest signs in the [ ho shall Uive as Jong and pay as many an- | first evidence of the disease has enabled | indc of humanity. The fingnclal rewards | great an asset (o a nation as its hogs? The | LN° SUPTeme guardian of the order and who w4 Preventive Medicine Mla | individusl,” sald Dr. Foster in today's| nual premiums as possible. These two | the physician o 80 frder the lite of hir | o the life lnsurance companies Would al%o | government undertook the matter of pro. | W% Won both success for the order and re- Remedy to Lessen Death address. “In both of these -lnlur the bu:l- conditions are also of great importance to n:h;‘mdx?s“w r»:‘;‘ 'n]: Hn‘. ru‘l‘wr pr u-'{"( :,m great; t _would share largely | tocting the lives of its hogs and cattle be- | spect for her own ability as the head of % Rate of Pajw ness of life insuran has an Immense In | the policyhilders, themselves, because a | of the sease, it a curable one, or to | in the financial benefits, since the cost of | ua e the people demanded It When the | | one of the largest fraternal organizations for women in the country. low death rate means a smaller cost of in- | retard its progress and to enable the pa- | their insurance would be lessened, and the ople demand it, it will 50 undertake t surance and also because everyone wants | tient to live much longer th peopl a also undertake to protect the lives of its citizens. It s as he would | medical profession, while not profiting to live as long as possible. All life insur- | have lived had the disease’ not been de- | financ Indeed, preventive medicine 18 | gimple a problem to drive typhold fever 'll‘hrn: l:.n-k lt‘wbwomcn who have de- T e r s s Cann s | tahied - s O ol e AP 0 g . yphold fever | veloped the keen business abilitie a ance companies are careful, some more | tected until later lirectly against the financlal interests of | out of the United States as it was to banish | nossessed by M o thas agy 80 than others, to see that their risks are | “Many persons die of kidney disease, of | the medical profession—would take pride in v y Mrs. Manchester. Her strong vellow fever from Havana and from Pan- ama. The medical profession has for years been pleading for governmental ald in fts efforts to prevent preventahble dfsease. Tt has pleaded to deaf ears. Let the immense mentality, sound financial advice and ster- ling womanly qualities have made a place second to none for the supreme forest of the Woodmen circle. She has brought it to a place in the business World where it carefully selected, and on the whole, I be- | tuberculosis, of cancer, of diabetes, of | its share of the added benefits to mankind leve that the medical examinations of life | heart disease, and of ¢ r disease ry | When pregentive medicine becomes actu- insurance in this country are rigorously | year, and many millons of dollars are paid | ally preventive, a large number of dis and honestely made, and that the t | by the life Insurance companies which have ases, notably the umunicative diseases. majority of accepted applicants are issued policles on the lives of these per- | will become practically extinct, just as th Influence of the life Insurance companies s time their.po re issued ey £ g e g » kol Is recognized as an insurance ory at the time their policies are issued 3 who were and when the policies | bubo plague and c: olera are now practidally | pe prought to bear upon the government In | not only rests on & sou - der that of course, is as it should be, but so far| were issued, and who might have lived |extinet in most highly civilized communi- | this matter and those ears will be deaf no | b 'y nd tinanctal basts, as 1 know, no effort s made by any m.-g much longer and paid many more annual | tles ut which offers the best possible protee- longer. Whether, gentlemen, the directors of the companles represented In this asso- of properly directed | clation see any merit in any definite sug- mtrol of disease in | gestion I have made to you today or not mply demonstrated by |is a small matter compared with the tm fnsurance company to keep fn touch With | premiums if the Raan S eRiah ke the physical condition of its policyholders | their deaths had been recognized and prop- | after thelr policies a Would Length: tion to women, being regarded as one of the safest insurance organizations In ex- stence. This order has its headquarters in Omahs sued. | erly treatea in their earliest stages. T n Life. are the very diseas s which figure most | . e . salthanies S g | " and gives employment to many cle Lifo insurance companies Wil of | largely In your mortality tables. My con- | ) ed States government In the work | mense educational value to the people of g;.m, marks another step: in rod m""' '"‘: course, admit that anything which mvnhu‘ tention is that it is perfectly possible to in has been done during the last twenty- | witnessing an active effort on the psrt of | tie growth of Omaha, whose Im:ort‘ln &+ s e or ten of sre years to the | recogn \y cases, the early signs % . . 3 o + Whe ce ar add fiv T ten or mor s to the | gn'ze, in many th rly | o irs by the Department of Agricul- | the great institutions which you repryient cente average longevity of thelr policy- | of these diseases before the individual . B ! A business center brings to It the hesd- » ; \ese ¢ ore aiviau | tu protecting hogs, cattle and domestic | to prevent preventable disease and Lo add | cuarters of so large an order as ti e holders, so0 that they would pay|pects that-any svidence of discase is y | fowls from the many pests which formerly |to human longevity.” nen cirels. .y iy Woes just that many more annual premiums. | ent, and that life Insurance companies would be an immensely valuable stroke of ! would save large amounts of money whic o, & they now pay in death losses by Inaugurat D) e ————————————————————————————————————————— In September of 1807 the first multiple ) this is largely accounted fof through the line insurance company west of Chicago immense accumulation of assets by the was fncorporated under the laws of the | Insurance companies located there, and for state of Nebraska, securing a broad char- | the employment of this money Nebraska ter from the state covering all the so- is paying its share of its Interest Income. called minor lines of insurance as distin-| It is the eastern insurance companies who l are accident, health, fidelity and surety | move the crops of the agricultural states, bonds, plate glass, burglary, employers' la- and the rates of interest charged are largely bility, steam bodler, sutomatic sprinkler, etc. | determined by the speculative conditions In wadition to the many millions, which | existing In Wall street have been pald by the citizens of Nebraska | The growth of our western Insurance o eustern life and fire insurance com- | companies, with hardly an exception, have panies, it s estimated that the eastern | far eclipsed the early history of those com fidelity and casualty companies alone have | panics which have accumulated millions of secured {n premiums over $4,800.000 within | assets, and with proper conservative meth the last ten years. ods It is only a question of time when This Ymmense drain on the financial re- | Nebraska will be able to finance its own sources of our state has had its effect in | enterprises, and through the employment retarding our material development, and | of assets of home companies our financial ihe business men of Nebruska are real-| independence wiil be established. ‘wing this fact and are giving thelr sup-| With the further development of home port to home companies. companies, Omaha 1s destined to be an- It is & significant fact fhat three-fifths [ other Hartford of the west and take rank of the actusl money in the United States | with Detroit, Des Moines and other cities 1» controlled in the state of New York, and | that have gained recognisance in the in- Home Industry in the Insurance Field i dhicn vl S ehyeridaens | money is always more abundant and avail | butidings of their insuran Gulshed from life and fire, among which | furnish most of the funds necessary to | | s ¥ . - -, STATE OF NEBRASKA, OFFICE 0O thel ey for development purposes and | vided. The detalls of the plan wh < X ® A ’ NEBR/ z OF pet b ot Hhpey AR huthoens. SN [ e i Koy lo b Royal Exc ha“fi(s - Founded - 1720 AUDITOR OF PUBLIC ACCOUNTS ance of banks in time of stress and are an | Worked out by the companies, but I.aw Union and Crown . = 1825 4 BANOOLN, ¥eb. int, 1009, . : . . IT IS HEREBY CERTIFIED, That additional safeguard and intrenchment to | certain that by adopting some such . 2 . “ the Royal G J the eredit of any community { a8 T have in mind the statistics of Mie Mercantile Fire and Marine b. 1823 | the Rursl Xashasiza Assurases Sdua- There is no enterprise more far-reaching | surance companics would in a few yea i . . st DoRY of -Lendon, Bogland; hak ese- STLTLIn A0 CURDENN JRITe OO0 I NN | e 15 raaits:: Famesd. mebiite w1 -Cachin and Munich - - 1800 | A aoniottia e aneany lished Insurance company. Its many agents | correspondingly increased profits to th ] M g g “ & and. is therefore authorized to eom. o L 1 | . ety &7 t5a ooot ot |1 Bhawnes - - - 1883 | Hiuetus Dusinres 8¢ Fire Incurasas | ing a plan of systematic re-examination of | all their policyholders at regular Interva say every five years. This, of course, could N. P. DODGE, Jr. W. T. DICKEY N. P. DODGE & CO. GENERAL INSURANCE CUR FIRE COMPANIE: not be made compulsory on 11 policyhold: if the sons for the examination wer xplained to them, would be very glad to report to the medical exam: fied time and submit to the necessary ex surance world. It is a recognized fact that i & apoel amination. able In insurance centers and mi now point with pride to the ho: y cltie office | "The expense to the companies would be anies trivial, and in certain cares where the com In the accumulation of assets, insurance | olicyholder was insured In two companies seek investment and employ | companies the expense might be CERTIFICATE OF PUBLICATION Using the place of its home office and tons | life insurance The whole ten )t the company's literature is sent out | modern medicine ls toward the ea for distribution, bearing the name of the city where its headquarters are located. | and the life insurance company which first Commerclal clubs and others orgafizations | makes a practical application of this prin formed for the purpose of advancing the | ¢lple to its business will not only brir interest of thelr city, could not do better | 8bout & revolution in the business of life than to give their support to the prom surance, but will also confer an Immense tion and advancement of | and lasting benefit to the world this State for the current year end- ing January 3ist, 1910 Witness my hand and the seal of the Auditor of Public Accounts, the day and year first above written SILAS R. BARTON. (8eal) Auditor of Public Accounts. C. E. PIERCE, Deputy. Iy ree- ognition and the prevention of diveas We also represent THE EMRIRE STATE, Which write Security, Liability, Accident, Plate Glass and Sprinkler. e insura companies. EDWIN 6. SWOBE. ' *“Would It not be & good thing for (he