The Oklahoma Workman (Guthrie, Okla.), Vol. 10, No. 8, Ed. 1 Tuesday, August 1, 1905 Page: 4 of 8
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THE OKLAHOMA WORKMAN.
The Oklahoma Workman. M«r«i Force.
The subject of total abstinence and
guaranteed circulation 7,000 the relation it bears to insurance has
been a very live one during the past
Published Monthly by Grand Lodge of year. The "advocates of prohibition
Oklahoma A. O. U. W. have been presenting all sorts of argu-
ments and data showing that the total
S. L. JOHNSON, Editor, abstainer has a greater chance for
Okmulgee, I. T. ]onR nfe than has even the moderate
B J. CLARDY, Ass't Editor. drinker, and that, therefore, rates
shawner, oki,A. should be scheduled according to the
_ . hazard involved.
Subscription price 25c per year. Vree to Tt js true that, total abstlence is
all members of the Order alwavs preferred by insurance compan-
in Oklahoma. )es ,n appijrants and, this habit well
Entered at the postoffice at Guthrie established have an effect on se-
()klahoma, as second class matter, curing Insurance for many persons
October s. 1900. whose physical condition is along the
line which divides acceptance from re-
Important to Recorders. ,p^e have been
numerous attempts
Each month we send a PRINTED at organizing societies and companies
1,1ST to the lodge containing name to Insure only total abstainers, and at
nd addresi of each brother. Examine lower thnn ordinary rates, but none
this slip carefully, and if any correc- of these have succeeded in a marked
Hons or additions are to be made make degree. Their contention has been
<ame on the printed list and returw ta based too much upon sentiment ana
♦his office. PLEASE NOTE.—DO NOT not enough upon actual conditions
WRITE the entire membership over There, however. Is a eeneral convle-
but make all corrections necessary oa tlon that the use of alcohol in anv
the PRINTED SUP SENT. important quantity tends to shorten
life, and the Investigation of the act-
Do not report temporary suspen . ,larjPS 0f the companies have resulted
but strike from the prl"^ ® with ,n compiling nuite low rates, which
SmSmmRm 2xra™; Sr"™""" """ """
ED or UNDER SUSPENSIONS FOR n rr>nne jt will be necessarv that
THREE MONTHS. no„pIe3
so issued will contain a war-
rantr on the nart of the Insured that
officers of the qrand lodge hp will continue to absolutely abstain
of the from llnuors under nenaltv of forfeit-
ancient order united workman |nc, holier, and it cannot be denied
of oklahoma. that this provision will become a
Past Grand Master Workman strong moral force.
B J. Clardy, Shawnee, Okla Tt has been said that more lives are
Grand Master Workman vlelded un as a result of over-eating
Tohn S Allen Norman, Okla than over-drlnklncr but at the same
'j 'on ' f'rr.p 'f rsr.rsof be disputed that cver-
' "e g* Flood I awton, Okla. drinking brines in its wake more deg-
Grand' Overseer '. radation and more suffering to others
H E Rakman. Sapulpa. I T. than does over-eatin" Tf. therefore
Grand 'Recorder this aHtatlon serves the nurpose of in-
W R Welch, Guthrie, Okla crcas'n«r thp number of total abstaln-
Grand Receiver Pr,s- u cannot be denied that it will
j E sater. Stillwater ,Ok1a. have accomplished much good.
Grand Medical Examiner 7"
H. L. Share, Kingfisher. Okla Future nf Fraternal Insurance
Grand Guide There alwavs has been and there
J. E. Johnston, Alva, Okla. aiWors will be a large demand for life
Grand Inside Watchman insnr^nee at lower rates than It Is
J. C. Daniels. Cleveland, Okla. nobble to furnish it on any system
Grand Outside Watchman which combines insurance and invest-
J. S. Schmidt, Muskogee, I. T. ment. To sunnlv this demand is th«
Tn.otopc- mission of the fraternal Orders and
If true wisdom and sound business
J. F. Gates. Talihina. I. T. nrevall thev will continue to
W. N. Elliott. Purcell I. T. distribute their millions to widows and
R. W. Higgins, Hartshorne. I, T. nrphans vpnr after year, and genera-
Finance Committee: Hons vet unhor^ will arise and call
H. D. Todd. Guthrie, Okla. them blessed. A membership of over
E. H. Howell. Enid. Okla. VODO 000. $7 000 000 000 of outstanding
,T. S. Boyd, Oklahoma City, Okla. insurance In the United States and
T aw Committee- Canada and the navment of more than
™1. S1.000.000 to widows and ornhans everv
S, H. Reld. El Reno, Ikla. arp PT„n(1 an(1 irSniring results
A R Quarry, Tulsa. I. 1. forPjh1v impress unon the mind of
Dudley Maden. Tecufseh. Okla. pvf>rv tniP friend nf frnternal Orders
Sunreme T odee Representatives. ^ Rpr1m,sness nf the responsibilities
R ,T Clardv, Shawnee. a_ devolving upon all concerned with
R C Dlckensbeets. Enid. Okla. thpm
S T-. Johnson, kmulgee, 1. T. Tt is imnosslble to furnish life in-
Grand Lodge moots at u ^ snranop normanontlv. on anv nlan. for
first Tueesdav In February. 1.0 . than cost and as the amount for
" which thev nrp Insured is all that the
PRICE TJST OF STTPPLTES prpnt majority of the members of fra-
Tbe following Is a list of supplies ternal Orders will leave their widows
. In ♦ ,« rirand Recorders "id orphans it is of vital imnorfanpe
kept on hand In the Orsnd Recorder ^ nrovlsion should be made
offlee, rlso prices on the same ^ pjjvment of every claim in full
These supplies will not be sent out when it falls due. and no Order which
unless the cash accompanies the order. does not do so is worthy of confidenee
So remember In the future when order- The experiences of life Insurance
. i„ _( >, companies and fraternal orders show
In supplies, please send the price with pWlv th?t (hp
safest and most ponu-
the order and It will receive prompt at- lar wf)v to a^npt a table of rates
tentlon. which enables the comr>"nv or Orde-
Rltuals. each *100 to carrv th< insured at a maximum an-
1 manciers Receipt Book, each .. 25 nual cost duriue his life time. Hav-
^eceivers Receipt Book, each .. 25 inEr no obligations other than the pav-
Recorders Warrant Book. each.. 25 ment of death losses to provide for
Receivers Record each 75 and a saviutr of about 90 ner cpnt in
Receivers Cash Book, each 75 pyroses and management, fraternal
Application Cards, per 100 50 Orders can safelv furnish life insur-
Semi annual P. WT Book, each . 1.00 ance companies, but the rates should
Mounthly Report Book, each .. 100 he sufficient to nrovide for the nav-
Buttons per dozen 60 ment of death losses in full, without
Medical Examiners blanks, free increasing as age advances. This is
Clearance Cards each 1° not only the most nonular, but it is
Ode Cards each "2 also the safest and least exnensive
Officers Bonds, each 05 nlan members: they get
Constitution and Bv-laws. each .. .10 the benefit of the amount over the
Traveling Cards, each .. ®5 cost of insurance, contributed by those
Tsntern and 81ldes each $25 06 who discontinue —J. Thompson Pater-
w B w*lcb 0 R nvtbrlf. Ofam.^Json. Consulting Actuary, New York
Fraternal Societies Stronger
Than Old Line Companies.
The press dispatches from New
York are full of information concern-
ing gigantic frauds perpetrated upon
the largest old line insurance compan-
ies of the country.
In scores of cas<38 Insurance was is-
sued upon old and dying men. In
most instances, a young and healthy
man presented himself to the exam-
ining surgeon and impersonated the
aged man.
Many bodies have been exhumed
and where the insured was supposed to
be a youth or young person, the corpse
was found to be that of a very old
person.
There is an object lesson In this
exposure of these stupendous raids
upon the old line comnanies. and by
means of which they have been de-
frauded out of hudreds of thousands
of dollars. Such a state of affairs
could not occur in a properly managed
fraternal beneficiary society.
Here Is where the safe guards of a
lodge system, an Investigating com-
mittee and a ballot upon all applica-
tions. come in as a watchdog upon the
treasury.
Everv member of the local lodere
is a nartner and stockholder, and everv
application for benefit memhprshin
must run the eauntlet and nass the in-
spection of the entire local member-
shin.
Do you sunpose a man etehtv years
old. and sick unto death could come
into a fraternal beneficial ord®*-'' Not
in a thousand vears- and vet. this has
lust occurred in manv pases in New
York cltv. where the old linp insur-
ance comnanies havinsr issued noliev
after policv, and worse tban that, hav-
- _ : -j iv. -
~
The Widow of Next Year.
Who can answer the question: v«ao
will be the widows of next year? It
is reasonable to say that during the
year 1905 there will be many hundreds
of deaths from the membership of the
Order Who will be these unfortunate
ones, and what will be their financial
condition? No one can tell until the
record is made. If your wife or mine
should be in the list, will everything
be done for their future support that
can be done? Will there be enough
ready cash to pay the bills without
sacrificing property at a forced sale?
The wife of today is much different
from the wife of next year. The wife
is likely to treat insurance with in-
difference, and if she does not advise
her husband to drop it, she is likely
to be indifferent, and often allow the
Certificate to stand suspended for a
time, but the widow is never indiffer-
ent. She always needs the one or
two thousand dollars named in the
certificate, and often she will go to the
expense of suing the association for
benefits when there are no benefits
due her on account of - neglecting to
pay on time or disregard for tne laws
of the Order in some other way.
where the mutual co-onpratlon and
enual intprest of the pntlre member-
ship with the lod^P system, demon-
strates the security there is in a fra-
ternal order.
Would a lopal Investlcating commit-
tee accent, repommend and certifv to
nroofs of death for a nprson eighty
vears old. and swear to his Indentitv
as a nerson of thirtv vears of atre''
Certainly such a thing could not hap-
pen.
Tn a Michigan citv the wife of a
prominent man was examined bv thp
chief medical director of an old line
company and accented for S10 000
Everybody in the citv where she lived
knew she had consuntion. and 1t
would have been an imnossibilitv for
her to h°ve been elected to benefit
memborshin bv the local lodge in any
fraternal societv. Tn one year she was
dead.
Members of the frnternal societies do
not belittle the value of vour nrotec-
ton. The fraternal system has no war-
fare to make unon old line or anv
other svstem of insurance. But a cer-
tificate in a fraternal order has ad-
vantages. benefits «nd guarantees far
and beyond that triven in the policy of
the best old line insurance in the
world.
Do not anolo?ize for the fact that
vou carry nrotection in a fraternal or-
der.
Point with nride to the button vou
wear. Tt means that ,rou belong to a
brotherhood and sisterhood united to-
enther to heln one another. Tt means
that vou are affiliatpd with the crand-
ost movement for the nroteetion of the
home th"t evpr existed in anv court--
ann in anv century since the creanon
of thp world.
Did you ever hear of an old line life
insurance comnanv sendine 0 of
coal to the home of a sick and unfor-
tunate noliev holder? Did you ever
know of an old line insuranee com-
pany sending a nurse or a watch to the
dving bed of a p'olicv holder or te
place a wreath upon the casket of the
dead? No. such acts of kindness, such
exhibitions of humanity, brotherly
love and svmpathy have no place in
the cold-blooded corporations.
Tt remains for the fraternities to
practice what thev teach, and to scat
ter kind words and practical acts of
benevolence along the pathway of the
afflicted and distressed, and the fra-
ternal system will live forever, and
become the greatest factor for good
in all the business and commercjfl] im
stifut)on« of the world,
Brothers, look over your certificate
of insurance and see if you have made
the same to those you wish payment to
be made. Changes may have come, by
death or otherwise, that necessitates a
different disposition of your insurance
money. And while you are alive is
the most opportune time to make that
change . Don't leave It to wranele
over bv those who may not have the
right thereto. And provide for those
who need your protection. Remember
that you can make your dependent
ones independent by changing your
-•ertif'.-ates. o-jvfns to csch norfforv
of same as vou may select. We have
seen several cases of such neglect or
failure to so change, that have wrought
ill with loved ones of deceased bro-
thers. Look over your certificates,
and if changes should be made, do
so before you close your eyes in s/im-
her.
Manv young peonle think because
they have not a wife or family of their
own. thev do not need any life pro-
tection. This is a mistake.' The ma-
jority of unmarried men and wom«n
either are dependent upon sompone else
to a certain extent or have others de-
pendent upon them to a certain degree
For example: how often have von seen
a vonng man, earning more salarv
'han his father ever got and apparent-
ly independent of evervhodv. become
sick, lose his nosition and have to eo
home to his father and mother, who.
if hp dies, receive onlv a legacy of un-
paid doctors bills and other exnenses
attendant upon a long sickness, to set-
tle. The same Is true of voung wo-
men who are supporting themselvtv,
At such times a membtrship In a fra-
ternal benefit society mieht save a fa-
ther or mother's home from a mort-
gage.
The man who does not insure his life
is not a model citizen because he takes
the risk of leaving his family to be-
come a charee upon the state he re-
fuses to unite with other men in a
perfectly feasible method of preventing
it. He is not a model husband be-
cause he is not doing all he can to
love, cherish and protect the one wo-
man who cave up her liberty for hf«
sake, accepting the lot which comes to
her as his wife and the mother of his
children. He is not a model father
because he is not doing the best to
make sure of the support, education
and social nosition of his children. He
is risking their future upon his chance
of living until thev are grown: if he
dies prematurely they will be the los-
ers of what he might have secured to
them by life insurance.
l et your conduct and vour conversa-
tion be such that others will take them
as evidence of the value of the Frater-
nity which your society professes to
teach.
\
Men who are really kind hearted
have no time to waste in fault-finding
and bitterness. They make their own
lives hapnier in the effort to eontrj.
bute to the hapines* of others
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Johnson, S. L. The Oklahoma Workman (Guthrie, Okla.), Vol. 10, No. 8, Ed. 1 Tuesday, August 1, 1905, newspaper, August 1, 1905; Guthrie, Oklahoma. (https://gateway.okhistory.org/ark:/67531/metadc273739/m1/4/: accessed March 19, 2024), The Gateway to Oklahoma History, https://gateway.okhistory.org; crediting Oklahoma Historical Society.