15 
State, would be a material advantage. The general public would be 
more easily convinced of the soundness and real value of these com- 
panies as a class. The approval and support of the insurance depart- 
ment of the State would be more easily secured than is sometimes the 
case under present conditions. Financial institutions which lend 
money to farmers would more readily accept the policies of these 
companies as collateral, and lastly the companies themselves would 
find it easier to cooperate with one another in matters of reinsurance 
or joint insurance, as well as in meeting other problems that arise. 
