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TALK ON THE TRAIN. (From the Detroit Free Press.) There was but one vacant seat in the car, and the energetic traveling man dropped into it alongside the rather quiet-appearing well-dressed party who was gazing contentedly out of the window.

"Remarkable weather this,” opened up the newcomer, “warmest winter I ever saw.”

There was no answer from his fellowtraveler, and the new arrival continued: “Slow work the English are making over there in South Africa. The Boer nut is the hardest thing they've had to crack since we licked 'em in 1812.".

"Very likely," was the only response.

“Having something of a job of our own in the Philippines,” continued the first speaker. “Getting away with it in great shape, though.”

"Yes?" was the answer.

"Think it will be a red-hot campaign this year?" was the next interrogation. “Looks now as if it was going to be the McKinley and Bryan fight over again?”

“There will be time enough to get excited over a presidential contest after the nominations are made,” replied the man by the window.

"Funny how folks differ on this twentieth century question,” said the newcomer. “It's as plain as daylight to me when the new century begins."

“No doubt," replied the other.

"Wonder if they'll get that rapid transit tunnel under New York built on time?" queried the undaunted talker.

"I have no means of judging," was the answer.

"Look here," demanded the newcomer. “Is there anything under the sun you can talk about?"

"Certainly," -was the prompt reply, as the man by the window turned pleasantly toward him. “Let me show you our new plan of life assurance," and he produced a handful of handsome pamphlets. "I was rather taking this for my day off, but you are a pretty slick talker yourself, and it only seemed square to let you have your full crack at it first. Now, you are about thirty years old, and our company is issuing a daisy new policy. just what a man at your time of life needs. Being a first-class

traveling man you carry accident assurance, of course, so I ll only talk regular life," and then he gave it to him good and steady for the next ten minutes.

"Say, but you are a good one," finally gasped the man who had been so anxious to get acquainted. “Next time I try to jam my conversational oar in where it doesn't seem to be yearned for, I'll find out first if it's a life assurance man resting himself that I'm up against. You are all right, and so is your company. Just toggle me up a $10,000 application. I've been promising my wife for the past six months that if I ever had to make her a widow she shouldn't be a poverty stricken one, anyway."

STRONG OR STRONGEST. The following interesting experience is contributed by the cashier of one of the Society's large agencies in the Middle West.

"I went to deposit some money in the largest and strongest savings bank in this city one afternoon, and found the colored man closing the gate at five minutes of three. On slipping in I found a line of twenty-eight people, by count, standing ready to deposit money at the receiving teller's window, and nearly as many others sitting around the counting room waiting their turn to make deposits. This bank pays 392 per cent on its deposits; refuses to take more than $500 on deposit from any one person in any one year, and refuses to allow any one's deposit to aggregate more than $4,000. I walked down street within a square of this bank, to another one, also a large bank and considered fairly strong, and found it almost deserted, no one waiting to deposit money, although the second bank pays 4 per cent interest on deposits. The next morning I returned early to the first bank to again renew my attempt to get my money deposited, and found nearly twentyfive people waiting in line. Out of curiosity I again returned to the second bank, by no means a weak one, to find it again deserted. When busy people will wait for an hour standing in line for an opportunity to get money into the strongest bank at a less rate of interest than they can get at a bank not at all weak, does it not show that it pays to take assurance in the Strongest Life Assurance Company in the World?"

The Largest Endow

ment Ever Paid The - Life has recently paid to Mr. Thomas Dolan, of Philadelphia, President of the Manufacturers Association of the United States, $120,987.25. Theoriginal endow

ment was $95,000. The above is a copy of an advertisement recently issued by a sister company. What is the matter with the Endowment receptly paid by the Equitable, and which is reproduced on page 13?

A WORTHY EXAMPLE, At the time of the death of Mr. Hobart, Vice-President of the United States, many of the New York papers contained an item that Mr. Hobart carried considerable assurance, $100,000 of which was in the Equitable. Some few days afterwards a young man came into my office and said he had read the item referred to, and it led him to think that he ought to carry assurance on his own life. After a little conversation he gave his application for $50,000, which was issued and paid for. Limited Payment G. C. V. W. E. Taylor.

HIS HEART. "I bear no costly gifts,” he said,

"I bring no wealth to thee, As others might, but still I pray

That you will smile on me.”

“There is one gem," the maiden said,

"One gift that I demand From him who comes to win my love

Ere he shall claim my hand.

"I do not ask for worldly wealth

From him that I would wed, But he must have a heart that's good,"

The gentle maiden said.

He clasped her in a fond embrace;

"My heart's all right,” said he; "A life insurance firm has just Assumed a risk on me."

S. E. Kiser in Chicago Times-Herald.

INSTALMENT ASSURANCE. I was told to-day by the president of one of our large trust companies that his company employs no fewer than thirty-five women, all of whom are ladies of culture, and whose fathers and grandfathers stood high in business as well as in social circles. The grandfather of one was at one tiine the president of a very prominent bank. As far as I could learn, there is not one of these women whose parents were not well able to carry plenty of life assurance for their protection, and an instalment policy such as we now issue (and such as their fathers could easily have carried) would have relieved these ladies from all necessity of work.

I. L. Register. In connection with the above interesting contribution by Mr. Register, the following facts seem very pertinent for publication in this place:

On May the 18th, 1898, Mr. Lyman D. Warren of Chicago took out continuous instalment policy No. 868,289, for $25,000, in favor of his wife. The annual premium was $659.25. Mr. Warren paid two such premiums, and on December the oth, 1899, died after a very short illness. The instalment bond was immediately issued to his widow, which guarantees to her $1,250 a year as long as she lives, and, moreover, guaranteeing in the event of her death before twenty such instalments have been paid that the remainder shall be paid to her heirs.

Thus a payment of $1,318.50 secured to his widow almost as large an amount to be paid every year as long as she lives.

The Maiden not yet satisfied,
The policy wished to see
To learn before she "ratified"
How valuable it might be.

With sweetest glances on the maid, Of which he was capable, “The company is,” he proudly said, “The grand old Equit-able.”

No longer hesitated she
-This prudent, worldly miss-
The contract seemed so heavenly,

She sealed it with a kiss.
Perpetrator of last three verses still at large.


An Agents' Journal.

should take assurance at all. The publication of such a series would be very effective.



The editor would like to receive any circular or other letter sent to a prospective assurer or assurers, which has met with success in the matter of bringing replies. It does not matter what form of policy it treats of. What we want is a letter that has been successful in attaining the object for which it was intended.

Thank you, one and all, for the many kind words sent to this office regarding the “Equitable News." Thank you also for the way you have started in to help us get out a paper that will be interesting and instructive. If we can only keep this little paper up to a level deserving of half the commendation which has been said about it, we feel sure that the “Equitable News" will not have been published in vain.

We shall be glad to receive suggestions at any time regarding items to be published in these columns. Of course, we cannot promise that all suggestions will be carried out, but we can promise that tliey will be given every consideration and will not be consigned to the depths of the waste paper basket until it has been decided that they are entirely impracticable.

THANKS. On January 22d the Buffalo agency met, and the resolution quoted below was handed to A. F. Aird, manager of that branch:

“We, the undersigned representatives of the Buffalo Agency, wish to express to the Society, through you as manager, our appreciation of 'our' journal, the 'Equitable News,' and the change made in the 'Equitable Record,' both as to form and the plan of sending it direct to the assured. The former cannot but be interesting and helpful, while the latter, we believe, will create a new interest in the Society among its policyholders, and be a means of keeping many policies upon our books which would otherwise lapse through lack of proper nourishment.

“Again expressing our appreciation of the efforts made in our behalf, and pledging our hearty cooperation, we are,

“Very truly yours, “Mason B. Crary,

D. H. Decbecker, "Louis A. Ward,

E. H. Coffey, “Mary L. Danforth,

C. E. Schofield, “R. J. Ball,

H. V. Hucker, "A. N. Van Deman,

W. G. Oxley, “Frederick Brinck,

W. M. Hamilton, “N. S. Ernest,

W. S. Wright, "P. A. Spofford,

A. J. Robertson, "S. L. Beckwith,

P. B. Seymour."

We would particularly ask that subagents co-operate in making this paper successful. The “Equitable News” is not an organ of the Home Office or of the managers. It should be the organ of the whole brotherhood of Equitable workers, and to make it such we ask the co-operation of all.

Don't omit to send us a copy of any attractive advertisement you may publish, for reproduction in this paper.

One of our most successful managers sends the following:

“I think it would be a good thing for the 'Equitable News' to get from different managers and agents throughout the country carefully prepared papers which they have presented and which have been successful in obtaining applications. I presume it is the custom of many of our best agents to do this, showing the advantages of the plan and presenting it in various lights, sometimes, as we do here, preparing a brief memorandum of reasons why they

IT DOESN'T PAY TO EXAGGERATE.. A Scotchman went to London for a holiday. Walking along one of the streets he noticed a bald-headed chemist standing at his shop door, and inquired if he had any hair restorer. "Yes, sir,” said the chemist; “step inside, please. There's an article I can recommend. Testimonials from great men who have used it. It makes the hair grow in twenty-four hours.” “Aweel,” said the Scot, "ye can gie the top o' yer heid a bit rub wi't, and I'll look back the morn and see if ye're tellin' the truth.” The chemist returned the bottle to the shelf, and kicked the errand boy for laughing.

Medical Standard.

PERTINENT PARAGRAPHS. We offer no apologies for reproducing the following paragraphs from the President's New Year circular. They are good not only for January the ist, but for July the 4th, or any other time, either now or in the future:

“The Equitable's preliminary building is done and now our chief aim must be to maintain, and guard, and render lasting and imperishable this great organization, so that its policyholders shall enjoy the utmost security, be guarded by the most absolute protection, and obtain the utmost advantage which can be secured for them under a wise and conservative administration.

“The agent will find his work materially lightened if he can quickly secure the confidence of those with whom he talks, and there is no way of securing public confidence so readily as to be able to point to a righteous, conscientious, successful, progressive mangement-a management which has secured, and maintains the confidence of its existing members.

"Nothing in the experience of the officers of the Equitable Society has given them greater pleasure and encouragement than your loyalty and enthusiasm in connection with this reform-a reform the far reaching consequences of which all of you may not have seen clearly in the beginning. This gratification has been due chiefly to the fact that your action has proved your confidence in the management of the Society; it has shown that you clearly recognize that whenever a change is made by us, it is made for the benefit and advantage of the business, and consequently designed to aid and benefit the agent. Of one thing you may be certain, and that is that with such a history as ours behind us, the officers of the Equitable will never consent to any retrograde movement in connection with any point in which principle is involved; that, with a reputation second to none for conducting the business on the highest plane of strict mutuality, the officers of the Society will never seek to gain temporary applause at the expense of solidity and consistency, and true permanent prosperity.

"Never lose sight of the fact that the Equitable is in every fibre a mutual organization. This explains the fact that what

is to the interest of the Society is to the interest of the policyholder, and what is to the interest of the policyholder is in the long run necessarily to the interest of the agent. It is one of our proudest boasts that in the early days the Equitable came to be known as the “Agents' Company,' for the same principles which have constrained the management of the Society to guard and protect the interests of its policyholders have induced it to guard and protect the interests of its agents, not in a superficial way, but after looking into the future and carefully determining what measures will be best in the long run for those who work for us, so that the motto of the Equitable agent may be the motto of the Equitable Society-Not for a day but for all time.'

"The Equitable does not seek to attract to its ranks the superficial, inconstant, ephemeral agents that are floating everywhere on the surface of the community, and who, having no permanent interest in the business they transact, are the men to sell the policies of the character referred to above, but we desire to attract to the Equitable those who have selected life assurance as a permanent business; who can appreciate the advantage of working for a company whose officers dare to do right no matter what the consequences may be; agents who recognize the advantage of representing that company which has the greatest strength and are ready to co-operate in so conducting its affairs that it shall continue always to be the 'strongest in the world.'”

SURPLUS. Not long ago the Superintendent of Banks wrote the following letter about a financial institution regarding which some rumors were afloat:

"Dear Sir.-In order that the public may get no false impressions as to the standing and the affairs of the

Trust Company, I wish to state that I find it in an entirely solvent condition, having a surplus of at least $1,000,000. Very truly yours,

"F. D. KILBURN, Superintendent of Banks." This was published in the papers and the public were instantly satisfied. Observe that this letter contains no further information than that the company had a million dollars of Surplus. The Bank Examiner knew what the public wanted to know, and there he let the matter rest.


be paid sooner or later. How soon is one

of the great uncertainties. II. The Dog and the Shadow.

ABOUT NORFOLK, VA. “What are you going to do with that

One of our correspondents writes as folpiece of meat?" said the Wolf.

lows: "I am taking it home to my wife and

I spent a few days in Norfolk not long ago, children,” replied the Dog.

stopping at the “Monticello," one of the newest “Large family?"

and finest hotels in America. I had the good

fortune to meet there your courteous and accom“Yes," answered the Dog, with a sigh.

plished manager, Major Myers, who initiated me "Well, in that case," said the Wolf, confi

into the attractive mysteries of the Lynnhaven dentially, “I don't mind doing you a service. oyster, cooked in a chafing dish and seasoned If you will look into

with his own hand. The

Major is a good specimen the brook as you cross

of the sort of men who the foot-bridge, you

represent your company, will see a very much

He is full of the Equitable larger and finer piece

spirit, for which your field

officers are famous. Every of meat floating in the

man, woman and child in water.”

the place knows him; he is universally popular, and everyone who knows Major

Myers knows the Equit. That afternoon a

able. As we walked through Farmer's Boy saw a

the streets he told me the Wolf stealing through

names of all the men who the woods, whose coat

passed, and he placed in

one of the following cate was wet (for, seem

gories nearly every man ingly, he had been

thus identified: "He has taking a bath) and in

ten, or twenty, or fifty his mouth he carried a

thousand in the Equite

able;" or, "He has $5,000, heavy piece of juicy

but he ought to carry $50,meat.

000, and I shall keep after MORAL.

him about assuring, and I

expect to get him. At all Life agents follow a

events he has promised me dignified calling, but

that whenever he takes as. now and then a man

surance it will be in the gets into the business


He introduced me to a who does not scruple

number of the prominent to disgrace his pro

citizens of Norfolk, and fession by the per

always finished up the innicious practice of

troduction by saying that MR. WOLF GIVES MR. DOG A STRÀIGHT TIP. they were either policy. "twisting" policies.

holders already, or would Honorable agents should warn the in be before he got through with them. tended victims of such "wolves,” of the real His son, Mr. Henry L. Myers, is an agent of motives of those who advise

the Equitable, of course, and is a chip of the

old block. He whispered to me that when his them to give up the substance

father failed to close an application he always set for the shadow.

him to work on the case, and between the two

very few ever escaped. CERTAINTY.

“To know That every life assurance policy, in a

That which lies before us in daily life, sound company, will, if kept in force, be

Is the prime wisdom.”

MILTON paid sometime, is one of the certainties in To know that which lies before us is to this world of uncertainties.

be conscious that any day may be our last. Policies insuring property are paid in but Prime wisdom, therefore, would suggest comparatively few instances, as payment providing for those dependent on us only follows disaster. Every life policy must against any emergency.

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