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all. If these were the facts, there could be no possible question as to the motive or good faith of the assured or his representatives. But what is the situation to-day, as indicated by the newspaper account of this transaction? Instantly a suspicion is aroused as to the good faith of the applicant, who is dead and unable to testify in his own behalf. It is the manifest duty of the company not to connive at a fraud. Hence it can not admit the claim if fraud is suspected, and even if it should be proved that the company is liable, and that the delay in the payment of the premium was due to altogether innocent causes, think of the delays, and anxieties, and annoyances, and expenses which, although unavoidable now, might all have been avoided in the beginning.

Every agent will think of thousands of other illustrations of the dangers of delay, and every agent should remember that even :f he is not prompted to collect the premium, in the beginning, on his own account, he owes it to his client to collect the prenium when the application is signed, on his client's account.

W. Alexander.

PROTECTION

THAT

PROTECTS

STRONGEST

IN THE

WORLD

THE EQUITABLE

LIFE ASSURANCE SOCIETY OF THE U. S.

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LOSS OF CONSCIENCE.

Our medical examiner recently had an amusing experience with an applicant. In asking whether he had had certain diseases, among them was enumerated "loss of consciousness." The applicant understood the doctor to say "loss of conscience." He thereupon very soberly admitted that there had been times in his life when he hadn't done the right thing always; but was sorry for it, and hoped to do better hereafter.

When the doctor corrected his misinterpretation, you can imagine that the applicant was very much relieved to find that life assurance companies, fortunately, didn't gauge a risk on such high moral grounds as lapses of conscience.

I. L. Register.

[If they did, there would only be a very few of us assured. ED.]

THE GEORGIA AGENCY.

Messrs. Perdue & Egleston, who have so long and honorably represented the Society in the State of Georgia, having resigned, we take pleasure in announcing the appointment of Mr. Robert L. Foreman as their successor, and the general agent for the Equitable in that State.

Mr. Foreman, while yet a young man, is one of the best known and most successful life assurance men in the South. He started his career in this business in 1889 with the Atlanta office of the Mutual Life, and worked his way up until he was made a superintendent of agents, which position he held for a number of years, only leaving it early in 1900 to accept the office of third vice-president and general manager of the South Atlantic Life Insurance Company, of Richmond, Va. This office he has just resigned to become general agent of the Equitable in the city where he started his business career. Mr. Foreman owes his advancement entirely to his own energy and pluck. He is a hard worker, a "pusher" and a business getter, and always masters whatever he undertakes. He is well known socially in Atlanta, and numbers among his connections some of the best and most influential families in the State. With his own high standing and extensive acquaintance, and the honorable

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ROBERT L. FOREMAN.

SAMUEL M. INMAN.

name of the Society, and his predecessors to back him, we predict a great and increasing success for our new manager for Georgia. Mr. Foreman will retain offices in the magnificent Equitable Building in Atlanta, a cut of the entrance to which we show on the opposite page.

The Atlanta Journal says, editorially, of Mr. Foreman: "It is a notable fact that many men, especially men of ability and promise, who leave Atlanta for other fields of opportunity and labor, return sooner or later to this city. A gratifying instance of this kind has recently been given.

"Mr. Robert L. Foreman a few months ago resigned an important position with a great life insurance company in this city to become one of the chief officers of a new and well backed life assurance company that has been established in Richmond, Va.

"He had there a wide and inviting field. and one which he would have cultivated well.

"He has left it, however, to return to Atlanta to take the State agency of the Equitable Life Assurance Society.

"Mr. Foreman is a Georgian well identified with Atlanta. The foundation of his business reputation was made here, and all who know him are confident that it will be still further increased by his services in

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his new and important office in this city." The Atlanta Daily News, in addition to welcoming Mr. Foreman back to Atlanta, pays a well deserved tribute to Messrs. Perdue & Egleston, to whom it refers as "this highly popular and conservative firm, which has for so many years represented the Equitable in Georgia."

THE ATLANTA DIRECTOR OF THE
SOCIETY.

One of the most prominent members of the Board of Directors of the Equitable Life Assurance Society of the United States is Samuel M. Inman, Esq., of Atlanta, Ga. His likeness will be found on page 4. There is no man in the entire region of the Southeastern States who is more generally respected, and who could more appropriately be considered a representative man.

Mr. Inman has spent his life in Atlanta; was educated at Princeton University, and has for many years been the head of one of the most important commercial businesses in the country. His high character and social position, coupled with his rare talents and force as a man of affairs, his large charities, and his great influence among the people, have made him deservedly eminent.

Mr. Inman has always been an enthusiastic patron of life assurance,

setting an example in a practical way by his own acts. He is at the present time one of the members of the committee on agencies of the Equitable, which has under its charge the entire producing business of the Society.

The Equitable is exceedingly fortunate in having on its board a man so thoroughly known and appreciated throughout the Southern States, as well as in the State of New York, and it is one of the sources of pride to all who are interested in the Equitable, that its large Board of Directors, composed of fifty-two members. is made up of just this class of men.

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ENTRANCE TO THE EQUITABLE BUILDING, ATLANTA.

THE POINT OF VIEW.

Here are some communications recently received by the editor. "You pays your money and you takes your choice." The EQUITABLE NEWS, we think, is surely "it."

Unfriendly criticisms we have heard are "nit,"

No numbers issued "dry" that we have seen as yet.

Hold on, we do not mean, that those we've seen were "wet,"

And yet, for a yearling, we started out to say,

You have right well attended to your "making hay." W. H. S. W.

[It's mighty little "hay" we've made, and we think W. H. S. W. is pretty old for a year. ling.-ED.]

Mr. Nuse "I'm raising money to buy land on which to build a home for poor editors."

Mr. R. E. Kord-"Well, if you're going to buy land for a home for poor editors, I guess you'll have to buy two or three States." L. C. W.

[If "poor editor" refers to poor in pocket, we're "it."-ED.]

Jones-"Why do they speak of poets as burning the midnight oil?"

Brown-"Because they're ashamed to write the stuff in daylight, I suppose." [Not guilty.-ED.]

Another manager uses his "hammer," as follows:

"One of my lady policy holders was in to pay her premium the other day, and said to me, 'I am always glad to receive the Record, the covers are so pretty.'" [Tough on the inside.-ED.]

COST HIM $40,000.

ERIE, Pa., Jan. 8-Special.-A telephone call cost the heirs of Joseph P. Metcalf, a wealthy Erie manufacturer, $40,000. Just before his last illness began Mr. Metcalf, then in perfect health, was arranging for a life assurance policy of that amount.

An urgent business call by telephone obliged him to excuse himself and have the writing of the policy postponed until the next morning. The same night he was taken ill with pneumonia and four days later he was dead.

A TWENTIETH CENTURY CIRCULAR. Wisdom & Levy sent out an enthusiastic circular to their representatives on the first day of the century, in which they were both retrospective and prophetic. After calling attention to, and congratulating their agents and themselves on, the great success of the agency during the past ten years, they wound up in these rousing words:

We wish to indelibly impress upon the mind of each of you, that the lustre this agency has gained during the past ten years will not be allowed to tarnish; it must be maintained in all its brilliancy. and that means work, systematic, intelligent work, work born of a determination that knows no goal but success.

In starting the work for the year 1901 you do so under many advantages that were not yours ten years ago. True, the financial advantages of the Equitable for many years past have been as manifest as they are to-day; it is, however, gratifying. indeed, to know that during the past few years, a period in which many of the life companies have deviated from safe principles and conservative actuarial teachings, in their mad rush to produce a large volume of business, the grand old Equitable has steadfastly refused to indulge in such unwise measures; nevertheless, the officers of the Society have found room well within the bounds of safe life underwriting to so liberalize and improve the policy contract as to enable its corps of field men to successfully meet competition. The Equitable in the assurance world has become a synonym of security. After all, security is the issue; in importance it overshadows all others, but when, as in the case of the Equitable, it goes hand in hand with a policy as attractive and liberal as safe life underwriting justifies, then, indeed, is the Equitable field man so fortified for his work as to make him go forth with that unconquerable feeling of victory assured.

Before closing this circular, we are prompted to again thank you, one and all, for your hearty and continued co-operation during the years that have passed, and to bespeak for the future a continuance, with renewed energy, of your united efforts to keep the Louisiana agency of the Equitable to the front.

We must continue to lead, and never be content to follow. With such determination we need have no fear for the future.

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APPROPRIATE ADVERTISEMENTS. Mr. Edwin S. Naley, of Greensburg, Pa., has sent us a number of programmes, etc., in which he has advertised the Society, and in which he has very cleverly adapted his advertisement to the character of the medium. For example, in the programme of a Sunday-School convention, he says: "While looking after the spiritual needs of your neighbors' children, have you attended properly to the temporal needs of your own in the only ab solutely safe way-a life assurance policy?" etc.

In the programme of a concert appears the following:

"The sweetest music has a discordant note if you are worying about the future. An Equitable policy," etc.

George F. Kribbs, of Clarion, Pa., has also been making good use of the newspapers in advertising the very prompt payment of a claim in that district.

THE STORY OF A POLICY.

Mr. L. Samuel, of Portland, Ore., is making good use of the settlement of policy No. 227.547 on the life of Mr. John W. Goss. He has issued a little pamphlet giving, on different pages, photographic reproductions of various documents, which tell the story of the policy. These documents are as follows:

1. The face of the policy itself dated Dec. 16, 1880.

2. The back of the policy showing the options at the end of the accumulation period.

3. Actuary's letter of Nov. 1, 1900, giving the results of the policy.

4. Receipt signed by Mr. Goss for amount of the surplus, the policy remaining in force.

5. Letter from Mr. Goss expressing his entire satisfaction with the results.

In addition to this, Mr. Samuel has inserted a three-column advertisement in the Portland newspapers. This advertisement is a facsimile reproduction of Mr. Goss's letter of satisfaction, and will be found reproduced in miniature on page 13 of this issue.

DERR GETS A WATCH.

(From the Aledo Democrat)

C. M. Derr is now the possessor of a handsome gold watch. He is agent for the Equitable, and connected with the agency of Countyman & Erickson, who offered this watch as a prize for the largest business. Derr won it, and it came to him Saturday. Charlie will show it to you, if you ask him.

DINNER BY MANAGER HAZELTON.

(From the Bangor News.)

One of the most delightful occasions of the sort given in Bangor for a long time was a dinner by General Manager F. H. Hazelton, of Portland, of the Equitable Life Assurance Society to twenty-five of the eastern Maine agents at the Bangor House Friday noon. The party sat down to the tables in the private dining-room at 1.30 p. m., and for more than two hours they enjoyed themselves. Mr. Hazelton addressed the party in his usual interesting manner upon the work of the Equitable in this country and Maine during the year 1900. He said that the Equitable had written $205,000,000 in assurance in that period, and the Maine agents had contributed $2,205,000 to the grand total. He spoke of the many good qualities of the men under his charge in Maine, and upon taking his seat he was loudly applauded. Others made remarks of an interesting nature, including N. S. Harlow, of Bangor.

The Bangor agents present were: Paul D. Luce, Harry M. Smith, N. S. Harlow, W. A. Royal, A. S. Bickford, N. S. Hodgkins and W. A. Danforth. The out-of-town men were, in addition to Mr. Hazelton, Howard Gould, Portland; W. W. Pennell, Brunswick; Arthur S. Luce, Portland; E. S. Turner, Augusta; H. A. M. Rush, Millinocket; W. F. Dutch, Milo; W. D. Crockett, Guilford; Arthur Lewis, South Brewer; W. A. Shaw, Caribou; A. R. Burton, Hartland; J. W. Whitcomb, Waterville, and Victor H. Mutty, South Brewer.

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