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WITH RESPECT TO INSURANCE

CONTRACTS

HEARING

BEFORE A

SUBCOMMITTEE OF THE COMMITTEE ON

THE POST OFFICE AND POST ROADS

16. Worquw. HOUSE OF REPRESENTATIVES

SEVENTY-FOURTH CONGRESS

FIRST SESSION

ON

H. R. 6452

A BILL MAKING IT UNLAWFUL TO USE THE MAILS TO
SOLICITIOR EFFECT INSURANCE OR COLLECT AND
TRANSMIT INSURANCE PREMIUMS IN ANY
STATE WITHOUT COMPLYING WITH
THE INSURANCE LAWS THEREOF

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COMMITTEE ON THE POST OFFICE AND POST ROADS

JAMES M. MEAD, New York, Chairman MILTON A. ROMJUE, Missouri

ISAAC H. DOUTRICH, Pennsylvania WILLIAM F. BRUNNER, New York

FRED A. HARTLEY, JR., New Jersey HARRY L. HAINES, Pennsylvania

PHILIP A. GOODWIN, New York THOMAS G. BURCH, Virginia

JOHN T. BUCKBEE, Illinois MARTIN L. SWEENEY, Ohio

WILLIAM D. THOMAS, New York JOHN C. TAYLOR, South Carolina

WILLIAM A. PITTENGER, Minnesota D. C. DOBBINS, Illinois

ALBERT J. ENGEL, Michigan
FRED H. HILDEBRANDT, South Dakota SAMUEL W. KING, Hawaii
A. WILLIS ROBERTSON, Virginia
WILLIAM A. ASHBROOK, Ohio
JOHN P. HIGGINS, Massachusetts
ARTHUR W. MITCHELL, Illinois
HENRY C. LUCKEY, Nebraska
B. FRANK WHELCHEL, Georgia
EDWARD W. PATTERSON, Kansas
SAM HOBBS, Alabama
GARDNER R. WITHROW, Wisconsin

SUBCOMMITTEE No. 8, OFFENSES AGAINST THE POSTAL SERVICE

WILLIAM A. ASHBROOK, Ohio, Chairman MILTON A. ROMJUE, Missouri

FRED A. HARTLEY, JR., New Jersey WILLIAM F. BRUNNER, New York

PHILIP A. GOODWIN, New York D. C. DOBBINS, Illinois

WILLIAM D. THOMAS, New York ARTHUR W. MITCHELL, Illinois

GARDNER R. WITHROW, Wisconsin
II

q OF CONGOras WAY 6 1935 OjaOCUMENTS

Page

The bill (H. R. 6452) .....

1

Report of the subcommittee---

220

Statements:

R. V. Fletcher, vice president and general counsel of the Association

of American Railroads--

2

Hon. Sam Hobbs, a Representative in Congress from the State of

Alabama

J. A. Marshall, superintendent of insurance, District of Columbia. 9, 53, 188

Bradford B. Locke, executive vice president Church Life Insurance

Corporation, and vice president and secretary Church Properties

Fire Insurance Corporation, 20 Exchange Place, New York City-- 14

John L. Milne, actuary Presbyterian Ministers' Fund, Philadelphiil,

Pa

20

Mr. R. B. Robbins, representing the Teachers' Insurance and Annuity

Association, New York---

Hon. Hubert Utterback, a Representative in Congress from the State

of Iowa.-

Hon. Edward Clayton Eicher, a Representative in Congress from the

State of Iowa.-

38

Hon. Walter M. Pierce, a Representative in Congress from the State

of Oregon

41

Hon. Theodore Christianson, a Representative in Congress from the

State of Minnesota-

42

Edward S. Brashears, representing Scarborough & Co., Chicago, Ill__ 43

A. L. Reed, attorney at law, Dallas, Tex.--

46

Henry P. Magill, representing the National Mutual Church Insurance

Co., of Chicago, Ill--

49

A. C. Charles, representing the American Institute of Marine Under-

writers_

51

Rev. Henry L. Wriston, manager Ministers' Mutual Life Insurance

Co., Boston, Mass---

53

M. W. Hobart, secretary Ministers' Life and Casualty Union, Minne-

apolis, Minn-

57

Moses G. Hubbard, Jr., of Utica, N. Y., representing International

Federation of Commercial Travelers’ Insurance Organizations. 58, 94, 210

M. J. Heineman, representing the Presbyterian Ministers' Fund Life

Insurance Association of Philadelphia, Pa..

63

Hon. W. 1. Nolan, of Minneapolis, Minn., representing Minnesota

Commercial Men's Association ---

64

D. J. Needham, representing the American Bankers' Association... 64

James E. Baum, representing the American Bankers' Association.

R. M. Redmond, insurance broker, Chicago, Ill_-

76

E. H. Trevvett, treasurer Commercial Travelers' Mutual Accident

Association of America, Utica, N. Y.

80

Edward A. Zimmerman, of Zane, Morse, Zimmerman & Norman,

Chicago, Ill-

82

L. W. De Gast, general secretary Y. M. C. A., Washington. D. C... 84

Earl C. Mills, Iowa State Traveling Men's Association, Des Moines,

Iowa-----

84

Hon. William A. Ekwall, a Representative in Congress from the

State of Oregon---

91

Harlow V. Holt, vice president, National Mutual Church Insurance

Co., Chicago Ill__

93

Hon. Fred J. Sisson, a Representative in Congress from the State

of New York----

99

Hays Kennedy, Health and Accident Underwriters Conference,

Chicago, Ill..

100

Statements Continued

Page
Herbert M. Lautmann, Chicago, Ill., representing the All-State Fire
Insurance Co., and others.

103, 152
E. T. Williams, representing the Railway Express Agency, Inc., and
Expressmen's Mutual Benefit Association.

107
Hon. Numa F. Montet, a Representative in Congress from the State
of Louisiana_

144
Hon. Jared Y. Sanders, Jr., a Representative Congress from the
State of Louisiana -

146
Dudley J. LeBlanc, president, Thibodaux Benevolent Association of
Lafayette, La----

147
C. J. Bourg, of Louisiana..

150
Francis Williams, of New Orleans, La----

151
Mr. Moser, of the All-State Fire Insurance Co., and others, Chi-
cago, Ill.---

161
A. V. Gruhn, general manager, American Mutual Alliance, Chi-
cago,
Ill.

162, 203
Calvin W. Hassell, assistant to the solicitor, Post Office Depart-
mento

191
Gordon Dean, Department of Justice----

196
Walter H. Bennett, National Association of Insurance Agents_-- 199
H. H. Ramm, representing the American Express Co., New York
City, N. Y.--

203

Letters and telegrams:

Ernest Palmer, director of insurance, Springfield, Ill---

11

Robert L. Bowen, superintendent of insurance, department of Com-

merce, State of Ohio..

13

George L. Willets, First Presbyterian Church, Columbus, Ohio.--- 26

Wm. H. Evans, president, The Dime Savings Bank, Akron, Ohio---- 26

Beaver Portland Cement Co. and Ross Island Sand & Gravel Co.,

Portland, Oreg----

26

Teachers Insurance and Annuity Association of America, New York,

N. Y.--

27

Andrew Miller, secretary, California Bankers Association, San Fran-

cisco, Calif.

27

Maclin F. Smith, chairman, committee on legislation, Alabama

Bankers Association, Birmingham, Ala--

28

T. P. Cramer, Jr., secretary, Oregon Bankers Association, Port-

land, Oreg---

28

A. H. Coate, secretary, New Jersey Bankers Association, Moorestown,

N. J.----

28

George V. McLaughlin, chairman, committee on Federal legislation,

New York State Bankers Association, New York, N. Y---

28

Branford B. Locke, executive vice president, the Church Pension

Fund, 20 Exchange Place, New York, N. Y.

29

Charles F. Zimmerman, secretary, Pennsylvania Bankers Associ-

ation, Huntingdon, Pa----

30

M. W. Hobart, secretary, Ministers Life and Casualty Union of

Minneapolis, Minn. (filed by Hon. Theodore Christianson, a Rep-

resentative at Large in Congress from the State of Minnesota)- 30

Kerr Gifford & Co., Inc., Portland, Oreg----

30

Louis F. Kispert, cashier the Norwood-Hyde Park Bank & Trust Co.,

Norwood, Ohio

31

W. J. Moore, president, the Canal Winchester Bank, Canal Win-

chester, Ohio

31

John Kellogg Co., Chicago, Ill_-

31

R. A. Cavanaugh, secretary Illinois Commercial Men's Association,

and Illinois Traveling Men's Health Association, Chicago, Ill_-- 32

A. V. Gruhn, American Mutual Alliance, Chicago, Ill-

32

B. B. Servies, Chicago, Ill--

32

H. C. Hausman, in charge of field activities, Illinois Bankers Asso-

ciation, Chicago, Ill-

33-34

J. H. Sharpe, president La Salle National Bank & Trust Co., La

Salle, Ill_---

34

Ernest Palmer, director of insurance, Springfield, Ill_

35

Rev. R. G. Schell, Second Baptist Church of Chicago, Chicago, Ill. 35

Bishop F. A. McElwain, Episcopal Church, Evanston, Ill_-

35

Letters and telegrams—Continued

Page

U. A. Gentry, insurance commissioner, Little Rock, Ark.---

36

H. E. Rex, secretary Iowa State Traveling Men's Association, Des

Moines, Iowa----

36, 39

Hugh A. Martin, Portland, Oreg---

41

Minnesota Commercial Men's Association, Minneapolis, Minn.

12

Rev. G. Hale Bucher, Harrisburg, Pa----

43

H. C. Hausman, Illinois Bankers Association, Chicago, Ill..

75

Harold R. Gordon, Health and Accident Underwriters Conference,

Chicago, Ill---

100, 112

W. E. Beckner, president Expressmen's Mutual Benefit Association.- 108

E. E. Elliott, secretary Physicians Casualty Association of America,

Omaha, Nebr.

110

T. B. A. office force, T. B. A. Associations, Lafayette, La----

111

B. B. Paddock, Central Assurance Co., Columbus, Ohio-

111

Hon. Charles A. Halleck, a representative in Congress from the

State of Indiana----

113

J. F. Irish, secretary, American Travelers Association, Indianapolis,

Ind

114

Judson J. McKim, chairman executive committee, Y. M. C. A. Sec-

retarial Alliance, Cincinnati, Ohio.--.

114, 121

Dudley J. LeBlanc, American Benefit Association, Lafayette, La---- 114

H. E. Trevvett, secretary Commercial Travelers Mutual Accident

Association of America, Utica, N. Y----

115

Braniff Airways, Inc., Oklahoma City, Okla---

115

Robert A. Ridgway, president National Protective Insurance Co.,

Kansas City, Mo----

115

Oliver J. LeBlanc, Lafayette, La.

115

Hon. Paul H. Maloney, a Representative in Congress from the State

of Louisiana_

116, 117

Calhoun & Barnes, Inc., New Orleans, La---

116

Ledbetter-Page Insurance Agency, Inc., New Orleans, La---.

116

Henry Van Hummell, general manager, Federal Postal Employees

Association, Denver, Colo----

117, 140

Chris Nungesser, New Orleans, La-----

117

Hon. William J. Sears, a Representative at Large in Congress from

the State of Florida.-

117

Harry E. James, Jacksonville, Fla---

117

Hon. Frederick R. Lehlbach, a Representative in Congress from the

State of New Jersey---

118

J. D. Ennis, vice president, Taylor-Ennis Agency, Inc., Newark, N. J- 118

Hon. Earl C. Michener, a Representative in Congress from the State

of Michigan.---

118

J. H. Hopkins, secretary, Ypsilanti Association of Insurance Agents,

Ypsilanti, Mich--

118

Association of Insurance Agents, Ann Arbor, Mich.

118

Hon. Ralph 0. Brewster, a Representative in Congress from the

State of Maine----

118

Louis Kirstein & Sons (Maine) -_-

119

Hon. Edwin M. Schaefer, a Representative in Congress from the

State of Illinois.--

119

Holsinger Theis & Co., Granite City, Ill--

119

Hon. Charles A. Plumley, a Representative at Large in Congress

from the State of Vermont--

119

Charles E. Rose, of Frankel-Rose Co., Chicago, Ill_

119

R. D. Harrod, National Benefit Accident Association, Des Moines,

Iowa----

120

H. H. Gunn, Secretary American Republic Insurance Co., Des

Moines, Iowa---

120

F. W. Mueller, superintendent church extension department board,

Home Missions, Methodist Episcopal Church, Roanoke, Va---- 120

E. T. Hickman, Des Moines, Iowa----

120

Norman Ettinger, the Truckers Agency, Des Moines, Iowa..

120

Watson Powell, the Provident Life & Accident Insurance Co., Chat-

tanooga, Tenn

121

L. J. Cowen, Casualty Research Bureau, Ltd., Des Moines, Iowa---- 121

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