WITH RESPECT TO INSURANCE

CONTRACTS

HEARING

BEFORE A

SUBCOMMITTEE OF THE COMMITTEE ON

THE POST OFFICE AND POST ROADS

M. Congress. HOUSE OF REPRESENTATIVES

Y..

SEVENTY-FOURTH CONGRESS

FIRST SESSION

ON

H. R. 6452

コ

A BILL MAKING IT UNLAWFUL TO USE THE MAILS TO
SOLICIT OR EFFECT INSURANCE OR COLLECT AND
TRANSMIT INSURANCE PREMIUMS IN ANY

STATE WITHOUT COMPLYING WITH

THE INSURANCE LAWS THEREOF

The bill (H. R. 6452).

Report of the subcommittee__

Statements:

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

of American Railroads____

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

Alabama

1

220

2

4. 178

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.

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

Pa

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--

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

of Oregon

Hon. Theodore Christianson, a Representative in Congress from the

State of Minnesota----

Edward S. Brashears, representing Scarborough & Co., Chicago, Ill.

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

Henry P. Magill, representing the National Mutual Church Insurance

Co., of Chicago, Ill__.

36

38

41

42

43

46

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----

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

Commercial Men's Association_.

D. J. Needham, representing the American Bankers' Association_

James E. Baum, representing the American Bankers' Association_

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

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

Association of America, Utica, N. Y_____

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

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

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

Iowa.

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

State of Oregon---

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

Co., Chicago Ill___

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

of New York.

Hays Kennedy, Health and Accident Underwriters Conference,

Chicago, Ill_.

100

III

Statements-Continued

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

Page

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 in 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‒‒‒‒

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

151

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

161

162, 203

Calvin W. Hassell, assistant to the solicitor, Post Office Depart-
ment

191

196

199

203

11

13

Gordon Dean, Department of Justice___

Walter H. Bennett, National Association of Insurance Agents_

H. H. Ramm, representing the American Express Co., New York

City, N. Y____

Letters and telegrams:

Ernest Palmer, director of insurance, Springfield, Ill.

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

merce, State of Ohio__

George L. Willets, First Presbyterian Church, Columbus, Ohio___.

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

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

Portland, Oreg‒‒‒‒‒

Teachers Insurance and Annuity Association of America, New York,

N. Y

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

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

Bankers Association, Birmingham, Ala----

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

land, Oreg-

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

N. J

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

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

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

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

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) --

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

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

Norwood, Ohio.

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

chester, Ohio

John Kellogg Co., Chicago, Ill___

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

and Illinois Traveling Men's Health Association, Chicago, Ill__-.

A. V. Gruhn, American Mutual Alliance, Chicago, Ill__

B. B. Servies, Chicago, Ill.

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.

Ernest Palmer, director of insurance, Springfield, Ill

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

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

34

35

T. B. A. office force, T. B. A. Associations, Lafayette, La..
B. B. Paddock, Central Assurance Co., Columbus, Ohio----
Hon. Charles A. Halleck, a representative in Congress from the
State of Indiana--.

Letters and telegrams-Continued

U. A. Gentry, insurance commissioner, Little Rock, Ark__.

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

Hugh A. Martin, Portland, Oreg‒‒‒‒

Minnesota Commercial Men's Association, Minneapolis, Minn.
Rev. G. Hale Bucher, Harrisburg, Pa‒‒‒‒

H. C. Hausman, Illinois Bankers Association, Chicago, Ill_.
Harold R. Gordon, Health and Accident Underwriters Conference,
Chicago, Ill____

W. E. Beckner, president Expressmen's Mutual Benefit Association__

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

Omaha, Nebr__

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

Ind

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

retarial Alliance, Cincinnati, Ohio___.

114

114, 121

Dudley J. LeBlanc, American Benefit Association, Lafayette, La____

H. E. Trevvett, secretary Commercial Travelers Mutual Accident

Association of America, Utica, N. Y____.

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

114

115

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.

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

of Michigan____

118

118

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

Ypsilanti, Mich..

118

Association of Insurance Agents, Ann Arbor, Mich.

118

Hon. Ralph O. 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----

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

120

120

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

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

tanooga, Tenn

120

121

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

121