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44 Counties Ready 

 I To Sell Quotas In 

 ' A uta Ins urance Co. 



Thje Illinois Agricultural Association RECORD 



January, 1927 



Fire and Ifheft Policy Proves 

 iVery Popular. 



By y. VANIMAN. 



THE lUinofis Agrricultural Mutual 

 Insurant Company, organized 

 to provide ajuto insurance at cost, 

 has a new name 

 among farm bu- 

 r e a u members. 

 They call it "Our 

 Company." 



The farm ba- 

 re a u presidents 

 and the Execu- 

 t i V e Committei' 

 of the I. A. A. 

 planned well and 

 thought straight 

 in setting up the 

 company. No 

 constructive sur- 

 riestions ha|e been made to date 

 Sor improving the plan. 



Forty-f ou - farm bureaus already 

 have orgar ized to secure their 

 quota of chirter members equal to 

 20 per cen ; of the present farm 

 bureau membership. The organ- 

 ization in <ach county consists of 

 a county wi de insurance committee 

 <>f five meii and a local township 

 Committee, including a chairman 

 and four men from each township. 

 All these rien meet in a one-day 

 esssion anc school themselves on 

 auto insurs nee so they can give 

 their felloM farm bureau members 

 accurate in: ormation about auto in- 

 surance. 



PI in Is Popular. 

 The writing of what is termed 

 a "No value policy" for fire and 

 theft is n:eeting with unanimous 

 approval, [n case of loss of car by 

 fire or thelt the company pays the 

 msured the actual value of the car 

 at the time of the loss. Of cars of 

 the same make and age one may be 

 worth twicj as much as the other 

 one, depe iding upon care and 

 usage, con: lequently the basis of a 

 stated depi eciation per month does 

 not agree with the reasoning fac- 

 ulties of F irm Bureau members. 



company 

 per cent 

 damage. 



Public 



Collulon Coverage Broad. 



Collisioi 1 coverage is to reim- 

 burse the insured for damage done 

 to his cai and the policy not only 

 provides p rotection against collision 

 with moving objects but also with 

 stationary objects in case of avoid- 

 ing collisi]n with a moving object. 

 There aie no deductibles. The 

 will pay the insured 80 

 of the collision loss or 



Liability and Property 

 Damage. 



Public Liability and Property 

 Damage insurance is to protect the 

 insured against the liability imposed 

 by law for personal injury or dam- 

 age the car does to persons or prop- 

 erty. Tie insured is protected up 

 to $5,00(1 for personal injury or 

 death to one person and with that 

 limit per person $10,000 for any 

 single aci ident. On property dam- 

 age up tc $1,000 for any single aC' 

 eident One Farm Bureau member 

 reasoned that based on law of aver- 

 ages he could not ^ord tp gamble 

 $5 or $19 against $5,000 that his 

 car migh ; not injure some one or 

 cause a fatal accident during the 

 year. 



Illinois Commission Orders Tax Cut 



Left to right above are Llamea D. Telford, Wm. H. Malone, and 

 Chas. R. Francis, members of j the Illinois Tax Commission who upheld 

 the county farm bureaus of l^ane, Peoria, Franklin, and Clay and the 

 Illinois Agricultural Association recently wlien they ordered a revalu- 

 ation of farm property in the four counties. 



Wm. H. Malone, chairmaU of the Commission is seen signing the 

 order. 



The order for a revaluation follows four years of consistent and 

 painstaking effort on behalf L>f the Farm Bureaus and the I. A. A. 

 during' which statistics and data were collected to show that farm 

 property was bearing an une<^ual portion of the tax burden. 



When the necessary adjustments are made, farmers in the counties 

 affected will save approximatily $200,000 or $20.50 per farm. 



Plan Simple. 



The auto owner can hav* any 

 one of the four optional forns of 

 coverage, namely. Class I, File and 

 Theft, Collision, Public Liability 

 and Property Damage. Tliis is 

 what is termed full coverage; Class 



II, Fire and Theft and Publi: Lia- 

 bility and Property Damage; Qlass 



III, Public Liability and Property 

 Damage or Class IV, Fini and 

 Theft 



Cost of Insurance. 

 The company does not operate 

 for profit. It is just to rend !r ,one 

 more service to farm bureau mem- 

 bers. Each car will pay it i pro- 

 portionate share of the losaes ac- 

 cording to the form of coverage 

 carried, plus the proportionate 

 share of the operating expense of 

 the company. No money paid until 

 company starts operation. 



The initial payment for each car 

 or truck is as follows: 



Policy Fee $ 5 



Premium Deposit 10 



Surplus Share _. 10 



Total $ !5 



The above amount is fcr life. 

 There is no additional payment to 

 the insured except the payment of 

 his share of the losses and e: :penses 

 at the end of the six montl 's per- 

 iod which restores the premium de- 

 posit and renevrs the insuraice for 

 another six months' period. Thus 

 the policy never expires except 

 through cancellation. The iiember 

 can have his policy transfe -red to 

 another car by paying a transfer 

 fee of $1. 



Retain Surplus Share 

 The surplus share is eacli mem- 

 ber's contribution to the suri lus and 

 each member is credited vith his 

 share of the surplus earning > on his 

 surplus share. 



Both the surplus share and the 

 premium deposit are returned to 

 the member upon cancellation of 

 his policy, thus the assets of the 

 member in the company are $20. 



It is understood, of course, 

 the assessment is not paid 



end of the six months' period it is 



that if 

 at the 



deposit 

 to the 

 surplus 



taken out of the premium 

 and the balance returned 

 member together with the 

 share. 



No Money Paid. 

 In order to cut the overhead cost 

 of operation to a minimum and also 

 to provide the necessary free sur- 

 plus required by law, 5,000 appli- 

 cations for auto insurance must be 

 secured. On making appliiation a 

 check or checks should be njade out 

 to the Illinois Agricultural 

 Insurance Company, 

 them. 



Mutual 



Plan I. If you want insurance 

 to go into force when company 

 starts, make one check for $25 and 

 attach to application. This will be 

 dated and cashed ten days before 

 company starts. 



Plan II. If you have other in- 

 surance in force, make one check 

 for $15, which will consist of pol- 

 icy fee and surplus share. Do not 

 date it. This check will be cashed 

 when company starts. Make an- 

 other check for $10 which is for the 

 premium deposit. 



By making application for ante 

 insurance and being a charter mem- 

 ber you will have had a part in 

 laying the foundation for a. broad 

 insurance program for farm bureau 

 members. Plans are already being 

 formulated for life insurance as 

 another service for farm bureau 

 members. Your enrollment as a 

 charter member on auto insurance 

 will hasten the establishment of the 

 company. See your Farm Bureau 

 or write direct to the Illinois Agri- 

 cultural Mutual Insurance Com- 

 pany, 608 S. Dearborn St., Chicago, 

 Illinois. 



15 Farm Bureau Men 

 Awarded Gold Medals 

 As Merit Recognition 



Prairie Farmer Awards Mas- 

 ter Fanner Insiynias To 

 Highest Scoring Candidates. 



Howard B. Hancock, president of 

 the New Jersey Farm Bureau Fed- 

 eration went out single-handed in 

 his home county of Cumberland and 

 signed up 90 per cent of all the 

 farm families in his township. In 

 his first 24 interviews he signed 22. 



FIFTEEN farm bureau members 

 from various sections of Illinois 

 were honored at the second annual 

 Master Farmers banquet given by 

 Prairie Farmer at the Sherman Ho- 

 tel during the week of the Inter- 

 national Live Stock Exposition in 

 Chicago. 



The following men were so hon- 

 ored and were presented with gold 

 medals by Burridge D. Butler, pub- 

 lisher of Prairie Farmer: George T. 

 Harris, Rock Island County; Albert 

 Hayes, Peoria County; E. D. Law- 

 rence, McLean County; Martin 

 Linn, Fulton County; W. G. Mc- 

 Cormick, Douglas County ; J. L. Mc- 

 Keighan, J. E. Main, and Jones Mc- 

 Bride, all of Knox county, Charles 

 E. Mies, Livingston County; Fred 

 C. Parks, Woodford County; Wm. 

 C. Rebhan, Montgomery County, 

 Edward Schrock, Tazewell County; 

 Carl Sargeant, Schuyler County; 

 George Shuman, Woodford County 

 and Clarence Watson, McDonough 

 County. 



Good Neighbors and Citizens. 



"To these men, because they are 

 good farmers, good neighbors, and 

 good citizens, Prairie Farmer is 

 awarding the degree of Master 

 Farmer, and presenting each with a 

 gold medal as a token," said editor 

 C. V. Gregory, who acted as toast- 

 master. 



William R. Dawes, President of 

 the Chicago Association of Com- 

 merce, was the speaker of the eve- 

 ning. He told why the Middle West 

 should have a deep waterway to the 

 sea. 



Knox County with three men had 

 the honor of producing the largest 

 number of Master Farmers this 

 year. Woodford County produced 

 two, and the other counties one 

 each. In their speeches of accept- 

 ance the honored men paid glowing 

 tribute to Dr. Cyril G. Hopkins, who 

 instituted the Illinois system of 

 Permanent Soil Fertility. 



J. L. McKeighan of Yates City is 

 vice-director and secretary of the 

 farm bureau in Salem Township, 

 Knox County. McKeighan has been 

 a prominent seed com grower and 

 breeder of Hampshire sheep for 

 many years. He was crowned com 

 king at the State show at Urbana 

 in 1923 and 1924. McKeighan aided 

 the farm bureau in arranging for 

 the first state utility corn show held 

 in Galesburg in 1921. 



James McBride of Oneida, Knox 

 County, was formerly director of 

 the Farm Bureau from Lynn Town 

 ship and has served as vice-director 

 and secretary of Ontario Township 

 since moving to his present home. 

 He was active in establishing the 

 Ontario Parish Experimental Plot, 



Knox County's Champion Team 



From left to right above are E. R. Bowman, Edd Holmes, Zina 

 Crane, and J. W. Asplund, all from Knox county. These men com- 

 prise Knox county's championship sign-up team. They signed 30 mem- 

 Do I ot date I bers in the southeast quarter of Ontario Township during the recent 

 ' drive of the Knox County Farm Bureau. 



W. E. Hedfcock 



Soys' and Girls' Club v.V 

 Champion Guests of 

 I. A. A. at Breakfast 



"Gee kids, look at all the eats. 

 Isn't this a swell room." These and 

 many similar remarks, by the state 

 and county club 

 champions repre- 

 senting the 13,- 

 000 boy and girl 

 club members of 

 Illinois, were 

 heard at the Illi- 

 nois Agricultural 

 Association club 

 breakfast on 

 Wednesday 

 morning, Decem- 

 ber first. 



More than 209^ | 

 boys' and girls' 

 club leaders, 

 farm advisers, 



and other ofiicials were guests of 

 the I. A. A. in the Crystal Room of 

 the Great Northern Hotel during 

 International week. 



Matthew Reichert, 14, champion 

 calf club boy from Pulaski County 

 claimed the long distance record 

 among the Illinois club members at 

 the International. Matthew made 

 the trip of nearly 400 miles unac- 

 companied. He had the honor of 

 being the first club member ever to 

 represent his county at this national 

 club gathering. 



Seven boys and girls were 

 awarded gold medals. Six of the 

 medal winners were members of the 

 champion livestock and dairy judg- 

 ing teams as follows: 



Champion Livestock Judging Team: 



Raymond Benbone, Iroquois 



County. 

 Baymond Callahan, Iroquois 



County. 

 Harold Hixon, Iroquois County. 



Champion Dairy Judging Team: 



Bernard Montgomery, Bureau 

 County. 



Rudolph May, Bureau County. 



Harold McDonald, Bureau 

 County. 



Speeches were made by Dean H. 

 W. Mumford of the Illinois College 

 of Agriculture, Earl C. Smith, presi. 

 dent of the Illinois Agricultural As- 

 sociation, and E. I. Pilchard, state 

 club leader. W. E. Hedgcock of the 

 Illinois Agricultural Association 

 awarded the medals. 



sponsored by the Ontario Hen's 

 Club, of which he is a member. 



Grows Big Crops. 



J. E. Main of Altona has been an 

 active worker for the Farm Bureau 

 in Walnut Grove Township ever 

 since the organization was started. 

 He has put into practice the meth- 

 ods of improving soil and crop yields 

 as recommended by the Farm Bu- 

 reau. He has further increased 

 yields through the introduction of 

 new varieties of seed oats and dis- 

 ease free seed corn introduced by 

 the Farm Bureau. He has a record 

 of producing 108 bushels of Iowa 

 oats per acre on an 80 acre field. 



Fred C. Parks of Minonk is vice- 

 president of the Woodford County 

 Farm Bureau and has been an ac- 

 tive co-operator since its formation. 

 He is just finishing his eleventh year 

 as a co-operator in the farm man- 

 agement project. He is president of 

 the Minonk High school board and 

 is very active in community and 

 church affairs. 



A Charter Member. 



George Shuman is also a charter 

 member of the Woodford County 

 Farm Bureau and is an active co- 

 operator and is also completing his 

 eleventh year in the farm manage- 

 ment project. He as well as Mr. 

 Parks has been very successful in 

 his farm enterprises and especially 

 so in swine production. 



E. D. Lawrence of McLean 

 County was on the board of direc- 

 tors of the Farm Bureau for four 

 years, acting as secretary for three 

 years. Lawrence farms around 500 

 acres of land. He is a graduate of 

 the University of Illinois and is an 

 active worker in community enter- 

 prises. 



(Continued next month.) 



He that would catch the fish must 

 venture his bait.— Franklin. 



Iowa finished the year 1926 with 

 the largest paid farm bureau mem- 

 bership. Illinois was a close second. 

 New York state made a gain of 4112 

 members. 



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