PUBLISHED MONTHLY BY MITCHELL KENNERLEY VOLUME LIII NUMBER FOUR PRICE 25 CENTS Life-insurance reform-its friends (others) A T the time of the Hughes insurance investigation, a distinguished writer in the conservative Atlantic Monthly said: "The elimination of the agent is the great reform needed." That very year (1905) the Postal Life Insurance Company, following the lead of three well-known British companies, began to do business without agents and has so continued ever since. It is now a National institution under the jurisdiction of the Postal Authorities and District Courts of the United States everywhere and under the supervision of the Insurance Department of the State of New York. The Postal Life has, indeed, accomplished a "great reform " but there has been the usual opposition and by this time its friends (and others) are pretty clearly lined up as follows: Its Friends 1. Thoughtful people in every State who are looking for sound insurance - protection at low net cost, turn to the Postal Life. 2. Those who do not want to be bothered, misled, persuaded, or driven by agents, but prefer to arrange their insurance direct, simply write to the Postal Life. 3. Leading magazines and newspapers throughout the country champion the Postal Life and the reform it has worked out. 4. Students of economics and efficiency experts approve of the Postal Life because they see in its non-agency method the way to save for the insuring public the more than $100,000,000 annually which other companies pay to agents as commissions and also the more than $12,000,000 exacted each year from policyholders of agency companies by the different States throughout the Union. The Others 1. The 258 agency companies throughout the country did not believe at first in the idea of getting business without agents, and are, of course, surprised, and some of them not well pleased to see the Postal Life prove that it can be successfully done. 2. The more than 20,000 life-insurance agents bent on earning commissions, don't like the Postal Life because they can't meet its low cost and can't match its other advantages and benefits made possible through its non-agency saving. 3. Certain easily-influenced lifeinsurance periodicals, printed to be sold to insurance agents, don't like the Postal Life because their friends, the agents, don't like it. 4. Some State insurance super intendents bent on fees and other revenues, are unfriendly to the Postal Life because it transacts business by mail (interstate) and therefore is not subject to the exactions of forty odd States. Be Your Own Agent and Save Money When arranging insurance, don't bother with an agent, for his commission will come out of your pocket, and don't be misled or disturbed by what certain life-insurance periodicals print or by what a few unfriendly State insurance superintendents may say. Simply write to the Postal Life and you will receive official information based on reports regularly filed with the New York State Insurance Department under whose strict supervision the Company does business. Just say: "Mail insurance particulars as per THE FORUM for April, 1915" And to find out how much you save, be sure to give: No agent will be sent to visit you. The benefit of his HAR The Postal Life Insurance Company WM. R. MALONE, Precident POSTAL LIFE BUILDING 35 Nassau Street New York City STRONG POSTAL POINTS First: Standard policy reserves, now more than $9,000,000. Insurance in force, more than $44,000,000. Second: Old-line legal reserve insurance-not fraternal or assessment. Third: Standard policy provisions, approved by the New York State Insurance Department. Fourth: Operates under strict New York State requirements and subject to the United States Postal Authorities. Fifth: High medical standards in the sei tion of risks. Sixth : Polscy he Health Bureau pr one free medica e tion each year, il d ها Press of J. J. Little & Ives Co., New York THE FORUM FOR APRIL 1915 T BY GRACE OF BATTLE FRANK ERNEST HILL I HE oak, the sweep of hill, the early stars The dimming globes of cloud above the stars, The smell of earth, The bird-calls, and the wonder things should lie Too near to God, too wonderful to die- II The oak, the sweep of hill, the stars, the clouds, And shattered trunks that have no eyes to lift, |