Triple Tie Advocate from Clay Center, Kansas • 3

THE TRIPLE TIE ADVOCATE. A BRIEF SYNOPSIS order, and if the full face of the certificate is paid it must create a deficiency in the funds of the order, because they have not lived and paid for their full years of expectancy. In the Triple Tie there are early deaths but no deficiencies, because a member dying the first months of membership pays exactly the same amount he would pay if he lived out his full expectancy of life. Note the Difference. In the fraternal orders which pay the full face of certificate if a member 31 years old carrying $1,000 insurance dies during the first month of membership, when only one monthly payment of $1.00 has been made there is a deficiency of $999.

The liv ing members must pay this deficiency. The order will not receive further contributions from this member. His account on the books of the order is forever closed. In the Triple Tie his certificate is charged with $284.16 and his beneficiary receives $716.48. If the $284.16 is loaned and earns W2 per cent interest per annum, it brings into the funds of the order $12.78 a greater amount than he paid while living, as this interest is received twice each year his account on the books of the Triple Tie is never closed.

If the $284.61 is loaned at 4 per cent interest, compounded annually, at the end of 37 years the account could be closed without having cost the order one cent. It requires each member to pay the actual cost of his insurance, whether dying the first month of his membership or the last month of his expectancy of life. This is the distinctive feature of the Triple Tie. Knapp, Treasurer, Mantie Daigh; Con duetress, Rhoda Mercer; Trustee, J. O.

Munden; Guard, Thomas Edwards; Sentinel, James O. Allen. ROSE B. KNAPP, Secretary. Blue Mound, Kansas, Dec.

5, 1910. Marion Webb, Supreme Secretary, Clay Center, Kansas. My dear Brother; On Tuesday evening, Nov. 29th, Blue Mound Council No. 75 held an open meeting and free entertainment in the opera house here which met with the approbation of all who attended, which was a goodly number.

The first part of the evening's program was filled by some ten musical numbers, consisting of band selections, vocal duets, a piano solo and piano duet, violin solo, cornet solo, select reading, all of which was well rendered and heartily enjoyed by the audience, judging by the vociferous applause and the repeated encores. But the real treat of the evening was the masterly address of Supreme President C. B. Griffith. He is not only a polished orator, but he has mastered the subject of his lecture, the Triple Tie Benefit Association, and is able to remove whatever prejudice exists in the minds of persons who do not understand the plans of the order and demonstrate the fact that it is built to endure.

He is likewise strong on the fraternal feature of the order, without which an organization of this kind is a failure. We expect our council to derive lasting benefits from this meeting. With the compliments of the season to all, I remain, Yours fraternally, L. C. EDGERLY, Local Sec'y.

Of The Triple Tie Plan, It's Form of Government, The Triple Tie Benefit Association of Clay Center, Kansas, is a fraternal insurance order, incorporated and authorized to transact business under the laws of the state of Kansas. It's business is conducted through local organizations called local Councils, under the direction of the Supreme Council, which meets biennially. It has a representative form of government, each Local Council having one delegate a vote for each 25 members or major fraction of 25. IT ISSUES FOUR CERTIFICATES OF DIFFERENT DENOMINATIONS. Benefit Certificates are! issued to its members in sums of $500, $1,000, $1,500 and $2,000.

Graded Payments. All payments are fixed at the date of entry, according to the age at that time, and remain the same. It issues certificates to both men and women furnishing equal protection. It is secret only as far as necessary to prevent imposition upon its members. It does not conflict with political or religious liberty.

Charge Against Certificate. All certificates are charged with the full amount which, under the monthly rate, the holder thereof would pay into the Reserve and Benefit Funds during the full period of expectancy of life, and credited with the amount actually paid into said funds. If the certificate becomes a claim by death or disability before expectancy is reached, the unpaid balance will be retained. If the member lives, to reach the age of expectancy, then his payments to the Reserve and Benefit Funds cease, he having paid the charge against his Certificate. IT COLLECTS TWELVE PAYMENTS EACH YEAR.

There are twelve payments a year, one each month, the amount collected being governed by the age of the member and amount of insurance taken as shown in the following table of rates: Table of Monthly Rates. action by the Local Council or any 1 officer thereof. If the member should' fail to make the payment on or be- fore the last day and becomes sus-, 1 pended, he may make the payment 1 at any time the following month up to and including the fifth day, provided he is in good health, without signing an application for reinstatement and health Certificate, but if the payment is made after the fifth day of the month then he must sign a health Certificate and the secretary cannot accept his payment without a health Certificate. May Pay in Advance. The payments being monthly and the amount fixed the member can pay three, six or twelve months in advance; as soon as the payment is received by the Supreme Secretary an official receipt will be mailed to the member.

THE CERTIFICATE HAS A MINIMUM AND A MAXIMUM VALUE. The certificates issued by this so-, ciety have a minimum value the amount that would be paid to the beneficiary of a deceased member if death should occur the next day after the acceptance of the certificate. They have also a maximum value, the full amount named in the certificate, which would be paid to the beneficiary if the member lived to complete his payments at the end of expectancy. The certificates are cumulative, they grow with each payment that is made by the member; the certificates are not scaled, they have a fixed value when issued and accepted; they grow each month, each year, by the amount that is paid into all the funds except the General Fund. ILLUSTRATION OF THE COST OF MEMBER 31 YEARS OLD CARRYING $1,000 TO END OF EXPECTANCY 37 YEARS.

Payment into Benefit Fund is 54 cents a month, $64.8 a year, at end of expectancy (37 years) amounts to $239.76, which is the full amount charged for the Benefit Fund, and when expectancy is reached it is paid in full and payments cease Payment into the Reserve Fund is 10 cents a month $1,20 a year at end of expectancy (37 years) amounts to the full amount charged for the fund, and when expectancy is reached the payments for this fund cease. The member will be 68 years old; if death should occur at this time the beneficiary would receive $1,000. If the member lives beyond expectancy, he will pay 16 cents per month into General Fund during life time, but the payments for the Benefit and Reserve Funds cease at the age of expectancy. The actual value of this certificate the day of issue is $715.84. The weak point in fraternal life insurance has always been the short risks or early deaths in its membership, many members die within a few months, before they have paid scarcely any money into the funds of the order, and under the plan of paying the full face of the Certificate many orders have paid out $1,000 for which they received only $1.00 to $2.00.

A number of deaths of this kind would cause great deficiencies in their funds and have worked hardships later. In all orders a large number of members die before they have contributed much to the funds of the AGE DISABILIAY CLAIMS. The following1 claims were paid in November 1910. No. 28.

Second payment. Smith K. Arnold of Blue Rapids Council No. 11 of Blue Rapids, Kansas; certificate No. 841 for $1500; amount paid, $99.07.

No. 29. Second payment. William P. Taylor of Yates Center Council No.

26 of Yates Center, Kansas; certificate No. 1543 for amount paid, $97.90. No. 30. Second payment.

Simon Harris of Transient Council No. 5 of Clay Center, Kansas; certificate No. 1890 for amount paid, $66.59. No. 55.

First payment. William H. McClure of Iola Council No. 22 of Iola, Kansas; certificate No. 1196 for amount paid, $87.92.

No. 56. First payment. William H. McMullen, of Hartford Council No.

8 of Hartford, Kansas; certificate 709 for amount paid, $90.09. CORRESPONDENCE. Iola, Kansas, Dec. 10, 1910. Triple Tie Advocate, Clay Center, Kansas.

Although Iola Council No. 22, Iola, Kansas, has been inactive, and has received very little mention. Still we are in existence, and have been enjoying an unusual wave of prosperity. Our meetings are well attended, as is always the case, where the feeling of good fellowship is truly exemplified. Our past officers have been competent and enthusiastic, have put forth every effort to further the good of th order, and the Supreme session of the Council, which, meets in Iola in 1912, may rest assured of a most cordial and royal welcome to our city.

Early in the year we decided we must do something to increase our membership. In response to our solicitation, Bro. Griffith, our able Supreme President came to our rescue and sent Sister Mable Colaw, Supreme Chaplain to assist us. That this confidence in her ability, was not misplaced, has been shown by our remarkable gain in membership. Since coming to Iola three weeks ago, Sister Colaw, by her charming personality and zealousness, has made very many warm friends as is evidenced by the large increase of membership, she having secured 26 candidates, 22 of whom were initiated at.

our last meeting. After the initiation and election of officers for the ensuing year, supper was served, consisting of oysters, celery, pickles, sandwiches and coffee. The following officers were elected, President, Dr. H. R.

Goshorn; Past-President, T. M. Clark; Chaplain, Mrs. Hattie Clark; Secretary, Rose B. Age of Rate Rate Rate Rate members on on on on $500 $1000 $1500 $2000 1821 .30 .60 .90 1.20 2224 .33 .65 1.00 1.30 2527 .35 .70 1.05 1.40 2829 .40 .75 1.15 1.50 3031 .40 .80 1.20 1.60 3233 .45 .85 1.30 1.70 34 .45 .90 1.35 1.80 35 .50 .95 1.45 1.90 36 .50 1.00 1.50 2.00 37 .55 1.05 1.60 2.10 38 .55 1.10 1.65 2.20 39 .60 1.15 1.75 2.30 40 .60 1.20 1.80 2.40 41 .65 1.30 1.95 2.60 42 .70 1.40 2.10 2.80 43 .75 1.45 2.20 2.90 44 .75 1.50 2.25 3.00 45 .80 1.55 2.35 3.10 46 .80 1.60 2.40 3.20 47 .85 1.70 2.55 3.40 48 .90 1.75 2.65 3.50 49 .95 1.85 2.80 3.70 EXPLANATION.

The settlement of the death claim of Weeden A. Arnold of Burlington Council No. 24 appeared in last month's Advocate showing that the beneficiary received $456.40. Several letters have been received by this office inquiring why the amount was so small. Hence this explanation: Weeden A.

Arnold arrived at the age of seventy years in January 1908. Three age disability payments had been paid him before his death leaving seven payments due his beneficiary at the time of death. These seven payments amounted to $436.40, the amount paid. This table includes all costs of every kind and nature except Local Council dues which must not be less than ten cents per month and may be as much more as the members of the Local Council may determine to be necessary. The monthly payment is due on the first day of each month and must be paid on or before the last day or suspension will occur at midnight of the last day without any.