FEBRUARY_`1'5, igio Tm LATEST

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[nl _ _AdioicEThcir Perfectly €‘Or§a'hi2§i1 Secfci 'Sef}*v1??They'Refuse" the si'

.-zRlSk$= of Gamesiérs .Who Lice Amid the While Lights Reooluiionists, Arctic and. J

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" €d&Bhl°t'°xp°um°""im m°'1“"71"f‘il'$l'Y- They tound that Mr. Ruiz before he came to

mralloevcolylnies,-on from no experience atgtthe ~iUnited States, twelve years ago, was an active

V _ all, you lmalihol-them-as addressing the public _ gym qme, Wm, the rwoluu _ 1 I

’\ in “l°;:;”°l;; "“"'b°x' with B' ready nmdee °W'”7:i¥lll1t1'y That was the o?ix;a;;'¢:\g];)gl§il;;‘Ited uwtltiz _ ' policy, nee d. and it ready, capacious hat ~ him* - ,, .'

‘__ “’_°__h“_ __ _Q ._ ____deRl_i;l_x__i__l;ey tained in as heatln., upon his Possible . Possibly yd! ‘hive Mrquimd the common convicizierrf /'fm,.¢0un¢u of company omcers which meets dau “‘°u'” ""9 ua 6"" wm"gub""‘p°°i°“° °“5°" gm ?‘59~\1D0n such reports took up the case ot Mi? ness. IHUIB*-“'l°“W\°ll \'WlR>\\¢f°I>h°1°-and hylino-loanuu. 'After brief dleeuseiou ii decided tim ue was

U5’-mt°4"““"`“p mmium' P°rh"~P5 n l`e°e"i¢i°1"110i2 Bcceptnble. The risk was obviously too* creat. 5°" ”’ °"° ~°‘”'“ _ ` “"“"4°“ "“’ ""‘°"’ °f'"‘° .M12 Ruizfmlsht at any time decide to return fe ins md°;».» utilised by the lite insurance agent, has , birthplace. In such :in event, it was assumed he

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~__f§I¢ih?E§plwersland Men Who Lwe Double Lz<ve_ 1%;

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l`JDn`“”@~°0’¢°"°“rMm~\"°55i°“- .would-\be thrown among his old associates and resume l if 50470” ”° 'W|`°°3- OWU-'IIT 10 the rougirhand his old llttcrests. As a revolutlonist his life wouldflie - ppiuienrihatgrew-ont: ot the eerly.'days.og'iite in-lx;

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euranco U19 'Wil 111118 of insurancelhristles with ro-fi A ` »-flrfl _ I _ giriadansi notmerely: upon the. applicants, but upon ' ' ~ ’ 'K ‘V ' "“' `”` ""-

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ole methods of iliqoouipmiee tnemeeivee. 'sud ine fi ‘/ 1 restrlctionlwincleaselin number-_'_ The big ‘lite insur-7 .P _.- " _ ' _ _ , i,

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and employ extensive ‘stairs merely to guard them." I 5,- _ "*”'__ _ _ . ' ' / \

lelveaand' their D°UC$'l10ld.ers'agalnst-business which '_ ¥ ' . ii-T-"_, _ f ' ‘ \\ Y:\§f;_,§___‘*`I"_,,“; Vi' 4 \ \

|| not qheollltoiylldellrable and free from suspicion. i. - ` T' f ;-*Et // _. ‘ ` ",\§"f";~\f" _~` ` ‘ l //\ `

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nncocomlanioereiliieemn an ev ` ge, énelouoot eve

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nine ,peraonlrwho apply for po leaf "it is a.f,¢t sei. _,

doin considered hh.li2i.they spend large sums et money

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than thmcandidatenor insurance. ' Of all '!.he*private detective and protective bureaus ¢mpioyed_by.rcorporat.ioas to prevent imposition and .go gather necessary information none is so well or ganized, so discreet or so trusted as those of the big 'life insuranca companies. It might be added that none iii so litiie/known to the public or carries on its work so quietly. '

'Life Insurance Company; his consummate cleverllessf in unravelling rnysteriesor unveiling a dangerolls sit nation. He is never sung in romance or in news re port. But he is there-considerable numbers ot him. It is his duty to dig for secrets that have ii bearing upon the issuance of policies, and if he should ever' write his memoirs, which he never will, they would

contain many strange and interesting things. He slip- /

plies the points by which his employers decide ac- ceptance or refusal in doubtfillcases. One word from him will weigh more than all the nifidlivlts and credit lists and certificates and frantic pleading ot agents conceivable

iert health living contentcdly with his family int

enterprising agent. Mr. Ruiz had not, but he was

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not win eel-ve. - _ = "_,____. 5; _ ,§_i_____'. l,_ | al- if. __ i_,i‘.y»g;_;,§,;;-_jcfgl,wid Caine to him one day a bustling nizeiit for one of 'til `- 1 ' scifi-_'p ,“_5fli if" '_ " 7.915% fl .iff ".‘3=f»`i"li\1'\id‘ ~`5§\\».\‘. -

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the large insurance companies, “Ah-hn, Mr. Ruiz, “ *gd* _,," q.__"_ _.""‘lf’! have you ever thought of life insiipnlicc-;~» :is-lied this _ f » _ ____-__ _-__ E,

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A "How lnuch do you think you would like to ciil'ry?‘ he asked. Mr. Ruiz said that he thought $50,000 would not be too much. The agent wills illi sulilcs llild lliilde an appointment *lor the usual physical cxalnilliltioli.

The physician came, sounded and pollndcd Mr. liulz

and sent in his report to the company. ` Ho pronounced

lldr. Ruiz not only a good risk, bllt lin excellclit oilc. _Heihlld rarelyseen a man so wellequippcd to live to n ripe old age. Mr. Ruin was glad to know it and awaited the outcome with coni_ldelicc_ Some weeks

later he _mceived a letter from the coulpillly, colicllcd in vn'gue,‘,pollte terms, and ilii'orinliig iilm that his sppllcstlolnjvail regretfully rei'\l.~lcll_ it might bc ln- lerled here,»e an iucideiital, tragedy, that the enter- prising hgent on hearing of the pliysi<‘liiil‘s report had hlod him) 'to the suburbs and lnndc first payliicnt on the house he had his eye upon for soillc years ill premature enjoyment of his commission, thereby vi\'ld- ll' iiluetruthlgvn number of venerable iidagcs

But Mr. Ruiz was not content io let the mutter rcst.

lhlvlliiz once learned thc desirability of life lll.~lili'iince,

he wetted it. After he had retli-eil bnfilcd from scv- eral et ein to obtain explaiiailoiis. he toliliil lllv HGH step easy.: n agent for another company i10\11\l‘0d upon hlmggydlly. History does not sny whctlier this agéht asfa close friend or only li rivlll of the hrst, 'buf he rubbed his hands and smiled cheerfully when he' heard the size ot the policy thnt_Mi~_ liulz wanted. " ' _ of u "Certainly,-Mr. Ruiz. I havent the shadow _ doubt that we can satisfy you." was his coiiimen _ __ Aihigtllif.-:Bula was sounded ond lioundcd. _“ly

again- waited. the outcome., After some iil_s__ correspondence the second company came out llilt \\_`_ l gm ltqtemont that it could not Hive ll PPHUY ‘° ‘ r' nln. ' " It mlfhemiipposed that Mr. Ruiz was nettled. I_¥0

could linaglne nopossible reason for these strange _ie- fiiaelii, and meanwhile the companies would lr Y? none Bo he ventured n third time. His ll"-il "l’l‘_' cation was lnndo to li inréib COIHDIUIY \"1""‘i‘ "“_"i' q_:lari‘e!‘s'ln another State. The outcome was exact y tue saniehand he dually gave up. _

_ .-. Secret Service. _

Now"_tlui,’ _upbioximnoei'y. wal Wh" \'”Pi’°""" {‘ we iliilfee 6: 'ale ine: eoulnlmy on receipt °f "‘° “Pl” ‘ cation#-»‘Dla dllirbd' policy was larga €”°“¥h f° WH' rent ibdmf ' tion. Ordinary l>0|\'f|°° f°‘° ”““"

"l-_- 'v-f ’ 1 l ‘ V' ~ ' ll s are seldom

ruaii,$ _,Qt -_ if Bye _dionsaud do ar . co.-gm, _ .§g!¢n¢.¢,\1e routine examination lim, 1;"-,~°f 'ago weepeuon. But liiie coiilpany could' A NIU h D00‘pbilcy without know Ill B in -A Y ‘ ' ‘ " the li pllcsnt. Ac- at co i if wn concerning P ,

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willing to give up an hour or so ill ii.~lt<-ililig to llic _ ` '

many line things that the visitor had io lcll hllli. l‘ / // _\ ,/ __,,__:,-_ He was not hard to convince, tllc idcii seemed gcod\ _//, // / _'Li /-»‘//§'.°z>_ and lie was won over at the one sitting. The ageiitl ’ "f*', ' -l-' f" woe del iiied , ff/ " .- ' i

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You nevfr-read in your morning newspapers ot the /` ' ' ..- _.7 ` ll `,.°.`? _. wonderful exploits of Detective Blank, of the Grapncl ' / "",/,v , , _ _>i‘j"‘_.k>_‘.`1_'\l‘f"‘§-~}?}. . ,\'\`l`i}.’~l"‘ ` .;('./‘

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in more than normal danger. Tlieicolllicll could no. support such :l hllzlirll. i

\\'llcn Mr. ltili'/. llllltlc his sccolid und his tllil'd :lp-

pllciltlolls the process was till: sitillup liiit the List two colillinilles were able to Ooiile toltlleir ll;-i-i.iolls with liltlc trouble. It was not lleccusil'i~_v 1`oi"‘iliuiu to wait for the i'epoi‘ts of their silcrot »=ei~v~it.'c l»lli'olllls_

The big coinpalllcs. have an elzlbiimlc systeill for rx- chlillgilig iilforllllltlon. Facts gathcrediby om- wliluli result ill thc refusal of nu llppllclltioll al'c\tul'llcil uvcl' to the others. Sometimes a cvrtniu colilpzlqy is lvlllllig to accept u risk that its conlpetltoixsl ilu iloi'=i~lll‘e lu :ls- siimc, but it lisulllly has tllc lmllciit' of the-~pt°olcl:llou and :lsslstalire ill ‘..'l\lcll :ill piil'tlt~ip:\tc. `

A curious lvrlllkle of this story is tllntrllolle of the

tlil‘ce collipzlnles cout‘lei'lled \viiuld tell io Mr. iiiliz the true rciisol\¢lol‘ lm-fllsillg Illlii. liellccllce is lllwllys practised ill sill-ll cases, possibly with :L vluw to the pence of iilllid of the ilpplicilllt.

Another siirillllig instance iii which :it leasl: tivo of

tll'e. big clllllpiliilcs tllrllell ii_\\'liy what nn mltsliler would rcgilril iii-l exec-llellt llilsiiloss ls' to bc ilrilwll from rece-lit llfo llllsilrilllce Iilstory in il Western city. Mr. Slnltli, il lllilll of large fllriulic, still young llnd;of reinarkiihlc pllyslque, lllailc lill ilpplli-iiiloli for. :l $20,000 policy ill il cuilipiilly having llcli<iqll:\l:t_er's ln New York. Iio was cxliillllicd by il colilplilw phy- sician and passed with flying colors. The p:lpui's were sent oil to thc hoilic otiice null applicant lliid ilgicilt collgrutlllatcd each olllcr. _

In due tlille Mr. Smith received n courteous com-

muulclltluli i`l‘olil the Eolnplllly. The coiilpitliy was iml-ry, but collld not llci-opt llim as il policyllnldcr. Mr. Slilltli \‘cl'_\' lillturally lviinlcd tn know wily. He bccilllic llrgi-lit and soulcwlmt heated ill his ile- mnnds for illioqllutc rt-nsoiis_ l_lri\'t-ii into llvlllg ex- plicit, the coliipillly took refuge bclillld rllc .=~-_lcliiellt that Mr. Silllth's medical cxilllllnatlon had not bt-cu satisfactory. _ _ 'Ihe Agent Indlgnant.

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But Mr. Sluitll was not the ilinii to be fobhcli oh’ lli»

that manner. _He colillteroil with ii reliiiil'kllble pro- posal. He offered to go to the home oiflco accom- panied by his own physician, pay the expenses oi' lilly specialist the company chose to iilinie and submit to the most searching examination. lf he tailed to pass with 3 paffect score his physiblun would forfeit $1,000 to the company on the spot. The company politely pegged to he excused, knowing very well that Mr. Smith could make good his boast, and Mr. Smith had to give over the attempt to force acceptance.

The agent now took lipxho cildgels. He could not

undermine iu :lie lens: \.v he ilhoald be deprived of a niie commlssléii on such palpsbly Elm!! 8l‘°\1¥1¢TP» He took the home oiice to talk on his own account. Tim-eupou ine real rellsoii was wlil_epo_re¢l into his

private our and he lubgidqdu,--»' ‘

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HE WAS EX!\l`1llI\'El.l BY .\ l_1l_l.\'lI`_`__w\' l"ll‘.`_“_".i_\f'l_

'i`llt‘ ('lillilllilly's si'-~i'l\! sol'\ lvl- liiill l'll;i-ll :l;~ llll-1‘:l:-o

Hi’ hilt Slllllll :illll llilii lll‘.'i~-ly.. 'Iwi lil~ .<L;l..iiiil:l- ll llilil lli.<i'o\'t-l'l‘il, illllolli; ollll-=,'_ il-l:l';'.\'_ lll.li _\ll'. .\`il1i'|l \\'ll.~l lliil pi‘iipi'lclol' lit' :i |ll;.llll' 1-".-l'll:l`illi* llfilllillillli llolisl-_ lllaiilllliiil-il for il \'.'l:.ltll_\~ vii 'l‘li;ll v,:l~ <‘lloil|.:ii. No ollo ni' lllv iill>l-l- <-oil>:<-l".'.:li\'<- <'olli|l.>lili|-< will iilslirv lllv 'lfo of il |»i‘ol`<-.-~lo.l.ll ;e.iiill‘?i‘l'. Hilti.

lli:lll_\' i=ivl\l'iilllli»l's llil\‘f- f:lili.l lil will-li:l l`i"- ill-;\ll'lil:l'i~ llli_‘l'l~l_v lair-llllsv iii' llluil' lllioiiil lillwelllll -\~ l'llo ilu-

iicllls of l’oi'lllllo.

A pl'uilril:o'll lllolillii-l‘ of iiosillilk li-ii-ll li:l_v l~l\l.»ll_\'.

willy l‘c<'0llvl_v villlll- into |io_<_-I--,».ioli rl' |il.~' p:\ll'lllli»ll_\', had ii r:ul'lolls l-ill-nlilltol' with lilo llilllolillllis ol' life ili>llll'liill'l~. Ili: si-lli iii ills ilppliliilli ~ll io :l _\`l‘\\‘ Yuri( l~ollip:\il_\» for il $.'lll,tllli\ poll.-_\-_ 'l`l;i~ :lllw lint -~-llll-/i lol sipl-i'l:ll :Lili-liiiiiii llllil llil- 4'liill|l:ill_\' \\`:llt|-ll ilillil it l'l‘~ (rc-I\'i-l1,ll_~i |il'i\':lio i'i‘poi'ls_ 'l`iil~!l lt l`1»l`ilsl-ll illi- policy

to lilo _volillq lililil.

Ile :lslii-ll ful' cxplilllilll-ills ‘ivlll lilo l'o:il|\llll_v wcllf so

fill' :ls lu i.l'i\'l- Iillll n slit-i'lll\' iill.~'\\'i\l‘ lil 1'l`|`<~i-l' il fslllil io llllll;»-»"ilili' deal- _ruling t'l~ll-llll, wo sizlllti ill lllco purolllis. \\'<~ wllllmr ull/iw _soil to :lsellllie all obliga- tion ivlllvll wo have foilliil to ill- oil( oi' pl-lipoiiioll to your llimlille, 'l`llls illlris :is ils mlilril :ls il <lov.~= _\‘oil. &`l'_. 8-1'." 'i`llo _volliig lililii \\-:ls \\'l'l=lll ill tllo llclilevo- lcllt slliifillllg, hilt llci-oiilii illilllv llo flirtliiil' lli~:l(i\l':l_\'.

’_l'lic_sccl‘et i'n:i.soil for this pal‘llolll:li' l'1-fllsnl was the

fact that the ylilllig man was iollild to be llliklfllllleil with il ynullg woman ol' the .~'i:lgl~ ivllosv ;lli`f-l-lluils tire notoriously iillstllbli-il ’_i’llci'i- illigllt llc il i1ll:ll'i'i>l uild 'the young man, hiiiilg ll-iilpriiwllllelitiil. llllglll ile-

clde \lo remove lllmsclt iierlllilllclltly i'i'nlll the posit-

bility of temptation. _

A ilcputiible coniprlny is not lllcl-ly 1: ilielirn if its

secl‘et;sel°vice rcpol-is the cllililltlillc as lil-.'<-.licii ill li serious doulestic orltalllzloiilclit. A lllnu who lllliils part olt his life ls not coilsldercii il fllll' i-lsll. lie is leavin; thc charted pn_tli. ivherc dililirera clili he rc- duced to i.'ol°muinc and poi'cenl:li;eo. illiil in cnurtllig all- 'ditloilllidllnizcrs ln which the voiiipliiir docs not wish to share. Tile nttitulio is slllllllii' lm\'ni'd li lllnn who lends it feclclelie life. No tllssliilitcd fl'equclllcl~ oi' lm- bltual revellor oi. all night haunts can obtain u lai-ye QOUCY- A

_ _ l ' ’ . ° 1 ‘ _ _ fi' if _ .~\; -,

_ ' / \ . ~ ' 0" ‘,1_-`~ " _, i ,

‘ ' ' “ . The ceee of Mr. Ruiz. _ - V

‘ - '. ' i___o~ ‘._, ' _,l .l l, _V ~, . i _

` There 'lives in New York a Spanish-American who / ` _.,»_.';\"» __l§£3`r #_ lf" i, ff_!3'¢_li,§ i_f£l.’;_.,‘;._,,i_i,f_;._'._;:_‘_ _ »_'\ °~;__'\.\ f -- -~ _ owns a wholesale importing business ivorill lily half ,` §_ »`f_1“\_.,» _ -, ` " ‘ Vi ll _ `

li flllliou dollars. He is li uiuu in luidlill- llre, ii. |..-.i-- / `°~'.‘il.f/'___.,“<'i-‘lf-.~l‘$\' _ _ " ,gf ‘- » _ 4 |,,ll,;.g . ,z-‘M-;,,,_'-.-_-.=._ l ;l. '~,~.§\

/ ~-'=i.-v--?~~'_l~.'»\\-~ _ ._» _ ».. |il=»,»~ ri " ‘ ' ~’ Mi ~

. = i .» / _._.,.~/fr _ _ = = lfu. ,o_ l., ~ -» li ._

tree from all unusual worries. His iirlu is :llisllluli-l_V' _ ‘-' . ...af ’/ if imiyi _‘ l " ` iliiéi ‘*'.'i J' 1 ’ 11' ‘ `

stable, dealing with products that Involve no cliillice _ ` " /#_ ____-_ _ _ ' ‘ \’

of sudden depreciation. His name is not Ruiz, but 1 ,1-e _('33 ';_'°fl‘i5_

, - _ , 1 at

lil ollior cases tho sei-rot sci'\'.lrr= mn_r not he =nii=-

ht-ll ill l'l‘;::ll~il lo llll- ollilillriilli-'.~i Illlslils-.ss lli`l':lil‘~' 'l`lll-ro lil:ly lil: .silllle l~l'i_-l.~» |wlldlllg_ the tilrillll-ol' ~=oliii‘ i':~i:l~'li~o}\lil=_ 'l`lil- cnillpiilly ulily l'l»:lll_v lioclile lll:ll llli- ill:lll'.~' iiicnllli* lilies lloi \v:il'l':lllt lllu |\:i_\'lllulll of ii ‘_:ll'ul- |»l~l-illiillli. ol' fill- lulsllivss lil lvlilcll lil- i< cil- ;::i_;r‘tl'|ll:l_v iw l~nll.~'iili-rvli lun ll:\z:ll'rlllli.=. .-\l\\':i_\'- tili- l'oill|»;llly \:illl~_< i`l'lglll :ll illl_\' volllllillili l'olllo|ol_\' .~'ll'.r- gl-.<lli:~,: li po.<.s.ibilli`_\' of sul(-iile. tho llllglw:il‘ of lllsur- alloc.

Cannot B: Insured.

'i`liei'e are ii few liilrd and fiisi rules ,frovorlllllg llie

l‘L‘i'll<lil llf pl»lll~i<\.\' on illi_v i~i>li<lllloll.<. .-\l'<'tlc :lllll _\.i’|'i- 1-lin l-x|\ll\ri~l~s olillnot ‘lie insllrl-il. 'i`|ll-rv are i-i-riillii [eil-is oi' i~Zlil~o|lv :lllll the I<}:i.=t wlllirli the dciilli l':lii- l_- so lligll :ls lo flirliiil tlli- lvriilll,-; ol’ |lollcli>.~‘. liv- jxullil llli< llii-l'l\ is lllliitllul' 1-lass of l'l.~‘k.~' \\‘|lii‘ll will oiily ln- :li-~o;iil-il oil 'l l':liili-_: lip of the llislii'vil-ill:ll is by ills p:l.j:lllr'ill of il prculliilll rl l‘l~i'lillil lllllllllvl' 0!

yi~:lr~z l_»o_\'oiili his :l;:i‘. _\l:lii_v occiiplltlolls are l'liii\ll llp lliill l~l~sl<ll~lli_< ill parts oi' llolilslalln. 'l`l‘xns. .\l'llilll- s:l~= :iiiil oilivl' _Stlllius llilvc to |li\_\' lilr-i'l‘:isc'fl pl-eilllu|lis_

lilll llii- i_-olllpalllil-s .irc \'ci".' qillqli to go oulsllls lill

rilloii zllllli ri-grllllillolls to si-ok l'l~ilsoll.~l for rcfilslug ;-ol~ l<-ies. ’l`lioll' volilll»il.s, ii<l\'l.-l-ll ily lllu secrtft .~cl°°,lcli l'<-pol~i.<_ :irc i-vol' zllvrt lo exli-ci-c po\\'vl~ :rt ilii- leri"i lll'<‘:llll ol' ll .<ll_~‘|»l~i.>il l!l.ir t1li~c:llilll<ililt- woiilil l'.l\'ol\'e all illl\\-oll'l:lili- i'i~ll. li`l'vl;llellil_\'. it sllollld be s:\lii. thi-_v do not iii. so fill' :ls to ilislillss lilo :l|»pll<_-:illr :illoi:ctlll r 'l`liv_\' lil.l_\' ill-l-lilo tllllt they uru sulilclcllily proiccleil il' lilo pi;ll<~_\' is rnti-ii lip

llolv _si-il~'ill\'|~ il i-oli\n'lis_\' iliil_v solllerlillvs im is llllls~

ll':l|cil h_\' il _~'tol'_\' tolli hy l\lr_ lin\v:lr(`l Slliilfx il llrolli-r ill _\‘o_ 2.1 firoilii .<ll"_-ol. -'i`\\'lellly-il'\'e yt-iil'.\i :lilo _\lr. t'-hull- l\'l'lilc il pollt-_\‘ t’-lr il liilslllesfi llillll for li lilrgv :\ilioulll_ aiilil ili'li‘l' cx.lilllllulloll the ilpplicillloll was ll'-:_-l-plvll. 'i`lll- lllilil lillll paid lil ills tirsl prclillunl wllvll lilo cliill|iillly slliltii-lily :loililcd .\lr_ Slliille lo rc- tllrli lllv iiiollvy lllld oliirllil the sllrl'l\lliler of llie _ol- li~_\'_ _\li'_ Slliilli -'.ibi_»,veii rllll lillideéillqiilrles as to the i~:lilsc. Ili- foiilill lli-it llltllougli the colllpaliys 'i y- sic-lzlil llilll |lll.~'scrl lilo ilplllivallt as ll good ri.~lf the t-llillpilll_v had l'i\ll lifyllll of il '.'rlg\lh l'llllior that :~'o':lle~ \\'lii-rr-_ snillo lliliv, some illlysirliln *had said ihll( (hcl: was solllnilllilg ilu- illzliti-r with the lnlin`s lleart. The lilllll is llniv illorc lliilii se\'ent_\' years old, hole .url lli~zirl_\', hill with nn lnslil'nnri> policy in his safe.

Ailnlliiii' cx|\i\l'lellcv of Mr. SlildP’s throws some

light oil tho reiisoli for such tlmllllly. Lust November lie wrote ii pullc,\' for ll well knewn New York lnwyel' who was sixty-novell _vellrs old. The appllcllllt panned li »l‘l‘cct pl_i_rslvnl oxnllllniltlon. but the coinpniiy. *di luis ii_eadqiial'terli in.Colinecilcut. .was bacil- iviird llecalisc of his nge. Mr.. Slade received word lhnl Qlc colnpiiily ivoillil have an examination by lla ovrll lliecilvul dlwctor before tnklniz action.

Tile lliedlcill direl-tor camo. examined the nilpllcmit

and prnlloilnred hllli one of the best risks he had ever seen. The policy arrived the day befoni’ illhlluligglr- llin and bil-_ .Slade delivered it in mason. Qu the. day n_i‘ler Tliiillluigivlng Mr. Blade'read in his Hansen ililit till- lawyer bmi ciropped rioedfon an elevated- nail- roaii platform oi' heart tllllurc. _ , ._ .

Aside from lncreliilllig coil|orvail1in.lll the iquiauce

of llisiliwuce the coiupanieli have uirlied to protect their policy lloliiorlr by nlniiy rvformrln mciliod. No lo ilnlilo company will allow a policy to la sc.

~ pl though ill_l»f was oacn resorted to rather freely- _rl u

..._ ‘is i. _ ' A __ _ W

in . . 'WI i _°' r_“ . _ " *_ ' '

_--- `"""" ` - _ V _,__ _L

policy bolder felled to pay hh premhm-.within .a cer- tain time after it was due lt waswlthlpwp Md he lost all he had paid in.* ft was only neco»\a.l'ylt.|_>,gp- veliiently overlook the sending out of notices hi ll' niueh pront for the discerning company. Alpfzli ii' a policy holdegfails to meet a pnymhit he mi' X , opportunity to restore it and is liutomado Irb- lvcted by the prelnluins he has paid for I lim Ol years. ` ~ _

“Twisting” Is Barredf i

No reputable company will permit its agents, ¢0_

“twist” ii policy-that in, to induce any' one in ¢l'Nf\'l'P _ li policy in another company. _ Nor are aganl niiowld to rebate or sliilre thi-lr commission with the inalril as an induccinent Nor may either policies or “Qi-

ciltions be “dated back," as was once the custom _‘A premium is figured from the applicnnt'| nearest bii‘$\- dily, and no favors are showil. ` ,’

lr is worthy of note rlillt the men engaged in \lte_.liUf

insurance business nou~ilil:i_vs are intelligent, highly trained and hoilornblin Ll,fe ilisllrance is n prohi-

slon. Most agents llllvc ii loynlly in lllélr colnpaniill

iilld their calling illat ~lipersedes their personal 366'!- esls, .\ir. Tholnlis' Wilsoil. nl’ the Eqllilzlhle_ related 'la incident that indicates the attitude of the high class

aizcut. _

Nr. ’;corge A. Mound, of the Equitable ltliifl. intgr-

vlliivvll ii illvliilliloiit lllv.'_vel' about li your 5,10 on 'tht sulijcci of lllslllwllif-l-_ The l;l\\'_vel' was scarcely lalii illlildlt- nge :lllll had ii llirgiv pl'>\cllce_ and ivifiifl Nil' Mound gaiiioli his collsellt io il 540.000 policy he rl-:le-lon to fl-ol .-ailslii-ll. After n s:itlafnctor_v'vxli.mii‘H- tloli Mr. _iiollod lil-ollgllt thi- policy lo the l0,l\'yu'l¢fl oii’ll'o_ bill till* ll\\v_\'er was not qllilc randy wfhv 'two

proillliilll :lliil pill liilll oil'_ This u‘il_s lviieallgid l_lr\‘@1‘l¥l, lliili-s. 'i`lloll, after llli illlei'\'ul. .\il'. .\i4luiid ririrdvnd \\'ol'd to call at lllc lzl\\'yl>l"u'llollle with the policy."

A lilelilbol' of lllv i';iilllly illei lillll :ll ills door ahh(

ofiercll to |ili_\' the |il'i>illiiilll on the spot. ‘h’li'. Mahal lvt`ll>'o<l illlll :islwll to soo llll- lilivyer. Wllll ogiio

i`i:'illl_\' ho gzilllcll :il-ross lo illv. l:iw_\'c-r'n room _y hllil lil lil-il, ivllll "ilisl ii liclii cold." Hr il' _aiiufod to |i:l_v lilo pri-nlllllrl_ .igliili Mr. _\ionod i‘u£uAr4.- For lil". Moiiod lvolilll ll:l\'i~ lieell pi>i~t'e<-ll_\ii\'ithl_li hh v)l_S_|l|

if hp hm; ,,,,,.,l|iicli lllv luouoy and llvtivvireti tli_e_plil}cpj.. 'i‘lli- <»olllplln_v llnrlni-vvplild the vlllli. 'i_‘ller_0 l'tl\l`h»§lU\\ lloillllli: but the flll'ill:ili|_v of fieiivory. §n_(‘UOiI§l llilvi- tlllzvll llls vlll-ck -llul pine his wily Mjeirfw. l‘»lil ill- llltl liol, 'mil :i lvl-ek l.-ilei' el-is lgvyer was illlllll. .,, '

ill _~']ll~:llcill:: iii' this lil'-llll'li of llli- llllslllnss May Wi-

sllll sllill l'i-1 i-liil_\':'- _ _,» '_

"\\'llilil illl- - \li`l`i~l‘i»il ll_r .uis'.il'illll‘ ¢Qld.|_nli§l

\\'i~l'¢- foil' :lull sililple llo ;;l~iult -iapnclg ei-_ iviis' rl>i|illl‘l=ll oi' ilirlr :li.:oui<_ hlnllyqno-ei hoodia lil* lil.-liiwilli-1' ‘|:<‘li|- In-l-iiiiso they lolfl fnilvl Al »'Nl»_}_J, iliiilg: i~l~'i- l`|ioil' ‘l\'nl':l_l_fi- wil vrr] 'uw allffiilo MC- fi~,~-‘.~'i<-ii -.\':l_~' lllirli'-fl llinlli irilll &sfrlri'." _ '

"lint lll'i~ lii.~1lll‘:ll;|~l~ iii |i:i_r is : ack-lime-#iii df ~~llsi l::tl'll»:lii- zlllil llllill<iilt'oi` #clk-llrirr ilf1lo_|!ll|»i_ .kept pilot- \\'l|ll liiis lleroloplilenl ‘l.'¢\ir&t"i`ndo!,P_;'g lllill to ho il .~'|~.l-<'i:ill.<i, rzlllivl' 'lull ll iiiriuriof of _' '_ '_ ' lloilils :liiil lirl-_ .ll-<~llIi‘lll :lliil li.fP'ilui]v.i_e:‘_,.é§“_Q§;o“_ liiori- llll- wllrll of lilo large rulalyulliuu lil build; ' _ y iilvll lIi~\'r»lvil \\'Ililll_\' ru tilt- llln»:'cs|_~' of on .\llil l!li_» slzillllilril llnlilltililll-ll by the t~el,ll|m\»ies hill v'l>'iiii t-uol'llloli.~°l_v." ’ _ -

.A RsFoRi\iA'rloN. '_

-:Bw i‘4»i»lii_ eq* ` jf-

HEY lr-ll llll~' .~'lnr_v :lluulf filil 'in Efl$lI_ill

T¢lrilil'l:i-i-|.l~l' :li illo l`l':\llll Sqllilil will-r si:l¢$0n _§

ilellsl l'\vl\ill_\'-.<~-willll .~ri'i-vi. !\`e\r York. 3nrn,_il

the only pollli-illilll lil tile- iil"p;il':ll:cill who ovtls lolig. \\‘llili» lie-:ii'i'l_ llllil io rlullxl illv llhiiQ`l'S$slil_ \\l.~ili's ll flilll-1* llllll long:-i' illl.l »\'ll.ii~r llluil any >‘.i-li;iioi- uno llioi- llri-.i. ll shollltl be »\3ded__|ilil|°-_'ic l.~'_siill :lx .<pl'_\‘ :ls .i (':ll. "` “

.\¢_-uoi'lllil;; lo lllls \-_l-rlivloiis lull-_ Slim fran on. poet

for l.lli~ |il'.~:i lillii- ill :l lloll' ilrolrilll-I in vl_'hi_t‘_l_i

bi-ull ll'alllsl`l-l'l-oil. \\'lli~il iii- dl|~t‘u\'el'ei.l a do , "l~i'nps" callin- iii pl~o;,:i‘l~ss The place clloe"eu '

_- ._ \. ..

illllyors was lliv ilildilli- of ai block xlizuillaii li- _

lllus illl`oi'il__ili;; _st-\l»l'ili :lvclliles ol' cslnipe. jill ,

uqllzll lo lilo sllillillnii. lie ore-pl l‘ul'r>uxh In

lots. pl:lf~i~<l :l ii:ll'l‘ul llciil‘ tile felive and if

_ . , d

iii- had l'vlllo\'i\il his unlult-t ill lllls cipcrnhi ' wllcil he i~l':|lled his lil-lid over iliu Iollcu it 1\'l§,U§ti io tlli' lm-l»7.i1.s _, _ ' '_

"l evo you illl=rc." nniiollncod Slliu. ,_ '_ ' ‘i`llo |»lli_\-<-rs looked up ill siirprise ro Kind exlhbnpf

func iglurllliz dowll at tllvnl from the tqp G

\ .

posi¢=l‘. "Soir you see us. non-’d you I1=o_\to'f*.’ “ h0\'u'~‘\,

your tlcket':"~and "Pipe who-has :lrrlvs~\"l’? -wo _'l`¢`~i*l¢ ot' tilt- \vltt|clsllle |il'o\'»oLed by his ill!e¢l'up_il!gi 'Lib gllllle pl‘llci><'di-il dllrillg these plcns¢inll'l¢\"lnri"l’il§ "bones" were rolleli again right ulldel' i:ilu'l NUM!

llose I0 the plnlllllvl- slllgseiug of the |ho9tur,""fJ0§¥." you Big Dirk. lilllly needs .|h9eu." , A _ __ ,U _' |;‘¥_l_,__

"i`o\l'i'o all pliii-lied," sliollled H iiaff 1" ` ‘ "Ah. lm." "l.i-live us ;.;o this .' "Wlf\W»,’i" M

hutilll' ill t'or'_*" onine the lllisiverl. _ - [_-; __,'_ `_\,(" lt llnwiled upon Slim rllur, sin eonqpg, -1.'

showillg excepl his pnlrlal-ch:ll_ facade. th# '

no idea that they were controllied with thi, of till- law. 'l‘ul~: dist-overey tickled tlllii laul he grinned. _ " ,wr _ ‘,'-'g_ '

"l'nl givllr you tile strrilght tia.‘boy_|,¢'

“You'l'e golli' to he raidtil in about two Magi two of you, liiiyivny; are goin’ to he a ` '*f2:‘ "'~ _ After u lnollleill's anxiety tllo yolR:.f=*l_“""`» 3

renseuredby lookout: despatched tothe cil‘x` reported no dilligei' ill sig t. begun illllr #Wil " ' ments niil.-elllore. Sam took it ARUQ. -~ » f i

"Now lookllero. \'nil're a lot of lwlft epoch, shift

you? _Whoumiils to bet lg lil" _ `

"l'll so rv" n <lsr\i'ici-,' vulullieered ii claib non.--1

lad. holding lip :l coin impatiently. '

"l'll go you." aotd Bam. He made li sill ig g ig

0\'ni‘ the (ence and lulo the group. He mid?-gnu

pluycr who lielli tilolillcc with one ani: are sun! uoudiled with lllcntuer. 'rue rect mil rec-rw

_“Y_i\ll-t_‘Q`l\~kaQ the :quarrel-. sea," mg,-. _ Twoouvq and or iilm A maine » em QQ files wife, all~.ala_poctlm, be held ni hu.

of sinolliciiilitg/e. _ ~ _.,. - .. . --'rliue limi =lolo».ali.i goin' no me hair* ._ » li lu ii clecilon oo: 'r=gom»vi'llere_ i be V T i _

cops ilefore. hui when - [ily ll @ 0le_w| hrs gone the lllllrclt Wh g _*__ -

' il"`I| l~ Vfail' *H -;|-'vu l » -, Y'

f .- - - ~<

__ ~-_ .i ¢»-‘i -yi 1;. i ..

#Hi

.llmif lr , _ ¢ '_ `_

~ !\.

i ` ` \

l ' t

il izws ,irons or on ui l. lit _

-_,_

5__~_ _

.___

H. ` A l _ - 'i ' ~l'_iyryl -~ ~-~.r- wire ¢v=- i »~- ,e_t\,.».».l_.`,,..._1'|

_ . . , / _ _ -

_ - ‘ii ~. ,

~ ~_.

--1 i

--;_ .\

_ ` _ _\_\_.`_

t ~.

' ‘_ 55- `§~`~‘_

.ir 1’ V

\.~

~ \ \_ ,_

\_ e `.`.

.___