AGRICULTURAL SOCIETIES 341 



class, a policy is written for a term of one, three or 

 five years and the premium is paid in advance. In 

 this class are received all types of property permis- 

 sible under the Act of 1919, the company confining 

 its membership to the Grange; and, in order that 

 insurance might be continued, it was required that 

 members' dues be paid in the subordinate Grange. 

 The same requirement now obtains for classes 1 and 

 2. Only members of the company have a vote in its 

 affairs, although formed imder the auspices of the 

 Michigan State Grange. In April, 1921, this com- 

 pany reported some $24,000,000 of insurance in 

 force, and losses were running at the rate of about 

 $50,000 annually. On December 31, 1920, 8,130 

 policies were in force. 



The Ancient Order of Gleaners has been operat- 

 ing in Michigan for upwards of thirty years, and in 

 1921 it had eighty thousand members in Michigan, 

 Ohio, Indiana and Illinois. The organization's life 

 insurance department has paid out some seven million 

 dollars in benefits and reported assets in April, 1921, 

 of $1,347,680. Its Cooperative Mutual Fire Insur- 

 ance Company, conducted as are other mutual in- 

 surance companies, carried risks of twenty-four mil- 

 lion dollars. In April, 1921, there were reported 990 

 local "arbors" in Michigan. The counties having the 

 largest number of members were then Tuscola, Sani- 

 lac, Huron, Lapeer, St. Clair, Genesee, Saginaw, 

 Isabella, Montcalm, Gratiot, Oakland, Midland, Liv- 

 ingston, Shiawassee and Mecosta. 



The Gleaner Clearing House Association is or- 



