Beneficiaries' Rights in Llx^
?asuranoe.
Owing to the clause now generally in?
corporated in life insurance policies
which renders them incontestable after
a certain period, litigation in the set?
tlement of policies is much less frequent
than formerly. Cases, however, will
arise that caunot bc avoided, and main?
ly because the true status of the bene?
ficiary was not thoroughly understood
by the insurer at the star'.
It is natural for the insured, who
takes out the policy and pays the pre?
miums ?hercoQ regularly, to suppose
that he has perfect control thereof
should he wish to surrender the same to
the company for a paid-up policy or
for cash ; this belief, however, he will
find to be fallacious unless the policy
stands absolutely in his own favor, or,
in other words, payable to his es-tate iu
the event of his death. The ruliogs
of the courts iu regard to beneficiaries.'
rights have been many and varied.
One thing, however, seems to have
been definitely settled, namelv. that
a policy issued io favor of a wife is
absolutely her property and free from
all claims cf creditors. This is as it
should be; but apart from this particu?
lar situation, there is so much uncer?
tainty in regard to the legal rights of
other beneficiaries that the companies
are compelled to be cautious in order
to protect themselves agaiust a second
claim under the same policy.
Even with the wife named as bene-,
ficiary, chere may remain a chance of
misconstruction which will destroy the
true intent of the insurer. A case io
point recently occurred in Cleveland,
Ohio, io this ?ase the insured wrote
^His application in favor of 'Olary fi.
Overbeek, wife." The husband was kill?
ed ie the Johnstown disaster, and the
Masonic Mutual Life were about to pay
- over the money to Mary H , the uamed '
beneficiary, when a second claim was
made upon it by Jennie F Overbeek, i
who claimed tobe the lawful widow.
Under the Ohio law the beneficiary
mast be the widow of the insured, aud
so the Masonic Mutual must of neces- i
sity hold on to the money, awaiting a I
decision of the court Law is not I
always common sense, although it is
supposed to be it is possible, there?
fore, that the court may decide in favor
of Jennie F , although it is plaiuiy
obvious that the insured intended the
money to go to Mary Fl The case is j
complicated, rather than simplified, i
from the fact that it is claimed that a \
divorce was granted from Jennie F.
This would give rise to the question ;
i/hether the divorce would be held \
valid io the State of Ohio. The lu-j
seranee World says, in reporting the j
/case: "Perhaps one man in ten thou- j
g sand, who insures hts life for the bene
fit of wife and family, understands that, j
at hts death, should there be no wife or :
family to be benefited, the proceeds of
the policy may go to remote relatives of
his wife " j
i Manifestly there is ample roctn for :
|L iarptfbte raen t :n regard to the wording
of policies in this respeot, if the in- i
sured is to be properly protected in his
manifest intent. Some years ago, a
policy-holder in one of our large com
panies made application to surreuder
his paid-up policy for cash. As the j
policy stood iu favor of wife, the ueces- I
sary papers were sent on to be signed !
jointly by herself and husband. It i
then appeared that the insured had |
vbtained a divorce some years before, !
and that the former wife refused to ;
sign the release Of course the com- ;
pany refused to buy the policy in view j
of possible litigation afterward. lu j
this ease it is obvious that the man in
sured hi? life in her favor because of '
ber reiation>hip to hiedas wife. When :
the court divorced him from her. ail j
ber interest in his property, real or 1
?personal, ceased ; instead of having an .
interest in his prolonged li^e, shs had
a greater interest ia his speedy death,
just the reverse to a true insurable in- \
terest. Yet by the laws of that State \
a life-policy is regarded as a direct gift \
and irrevocable, though in all other
respects the beneSciary had forfeited ali \
claims she formerly possessed
Unfortunately, the best intent of the
rDsurer may possibly result in a hard \
?hip for him thereafter at the hands of |
ibose who owe him a debt of gratitude. :
Clases have occurred where policies were
saned in favor of wife and children
tn some instances the wife had died and
be children grown to maturitv and
? mt
?ere self-supporting, voile the parent \
tad^met with reverses and needed
proey for his support. The companies, I
owever, could not buy the policy b??
fense one or more of the chiidaeu re?
used to sign a release.
Io view of such facts, which are!
eotiful in the experience of all com- j
mies, the insured may well be cautious 1
i the begicniug if be would avoid ,
o able afterward. It is only common
:nse that the man who takes out a
nicy and keeps it in force at his own
tpense should have absolute control :
fer it. As the money is only to be '
ad the beneficiary at his death, it is
ident that it is a contingent interest
d does not become a gi it abs- lure
riil that event occurs. As a man may
akvaod revoke a dozen wills in ex-;
tl~ tns^^at-e way, he should have the j
me rightSN^n(jer a policy which the
w as it novN^aods refUses.
There is, therer*^ at t\itt present ;
Eat is L '"r^^0 ?oii.,v. and
?p&f? his j
are assignment b!a-:ks from the corn
any, filUhem out in favor of whom he j
kaus, and, trithoul notifying the com
any of the assignment, file it aw;:y
lib his papers. If he does, the as
?j^nment holds good, and if he lives
Dd afterward should desire to. revoke
is first intent, he has simply to destroy
ie assignment and no one is the wi>cr.
och a plan would hold good as against
.editors if assigned to the wife, or in
?tas to any other beneficiary. pro
Sed the assignment was dated pre
iou3 to any judgment against the
isured.
Such in brief are some of the diffi- j
ilties arising from a lack of koowl- j
jge generally as to beneficiaries' in
rests. It is for the purple of aiding
e insured in protecting his own to?
asts, and avoiding the possibility of
iigatioo occurring after his death, that
,e facts cited have been thus fully dis
ssed.
mnmrnmrnm- --?- ?
Mr. R. Hay, of Darlington, has a
adstone, which has been in the pa?
ssion of his family for over oue hull?
ed years. These stones, which arc
(ten from a white deer, are said to be
ry valuable as remedies fer the bite
a mad dog. Mr. Hay's madstone
ts obtained from a deer, which was
do io Notch Carolina during thc last
tttury.
Kow the Czar was Prot ected
j The recent visit of the Czar to
Berliu caused large sums of money to
; be uselessly expended at. toe Old
; Schloss aud the palace at Potsdam for
' securiug the isolation of the Russian
monarch if he should stay at either.
I No precaution seemed to satisfy the
i Russian officials. Th-; Russiau em
! bassy was orti?ed. Six Russian arti?
sans especially attached to tho Czar's
retinue e" amiued tue walls, flooring
! and furniture of the embassy and in
! serte? ??ratiu;: barr?as nt the tops au<i
j bottoms of the chimneys. Sentries
I were also stationed t-p:-n. the roof, ap
? pareotly to prevent explosives being
i throwu down the Eues. The Bellin
; secret police assisted the Russian de
; tectives as fair as the fi DO tier, in ac?
cordance with the Czar's desire, the
i railway bridges at Neustadt, DiiWnau
and Marienburg, and all the streets of
i Dantzie were gu:?roed by troups. Until
', the moment the Czar left Dautzic even
i the officials were nut allowed to know
whether he would board the imperial
[yacht Detj;iva or make \ \\? journey by
j railroad. When the train started cia
j the Dirschau line for the f : ; ; ii t : t r orders
j were telegraphed to put 50 ??? Rus
; sian troops in motion to protect the
; lines.
_^ _
The Yaiue of Bran.
I
( The value of bran for feeding all
j kinds of farm stock renders it a de
: strahle article of purchase. But its
j lightness aod bulkiness greatly increase
i the cost of transporting it from the
j great flour manufactories iu the West to
I those localities in the East where it is
\ most ivanted A method nf compress
j ing it into cakes,similar l '- the ordinary
oil cakes, has long been in use in Ku
j rope, and the cakes form a large part of
[ the sub.-istence of the cavalry horses of
i the armies. Bran is one o? the most
! nutritious parts of tile grain. It con
I tains a well balanced proportion of the
different elements of food. viz. lo to
lo per cent, of fiesh-forming substance i
5U to 59 per cent, of heat, and fat pro
ducing matters, and 3 J- to 4 per cent. !
i of fat. Ali thc fat of the grain is i ii tts.?
bran, contained in minute cells in one
. of the layers of which it is made up.
It also has the mineral matter needed
lime potash, and phosphoric acid Of
j the latter a ton of it contains sixty-five
} pounds, so that an animal could live
I healthfully for a considerable time on
! brau alone, if it were not for the toe
i chanical action on the intestines of its
j indigestible matter. It is interesting,
! therefore, to learn that an establishment
for the pressing of bran into portable
j cakes is proposed in the We^s?, through
I which its u<5c will be mach encouraged.
j -Neto York Times.
P EOPI.E EV KI? Y W H Kit E.
! Confirm our statement when we say thatAckcrs
? Itngtisb KcrnC'Iy is in every way superior tn
I any ami all ?tfier preparations fur the Throat
j and Lungs, in VToooping Cough anil Croup
? ii is magic nm! relieves at once. We ifT.r you
! a s ample bottle free. tteuiem?>er. this Itetbedv
. is sold on a positive guarantee hy J. F. W.
De Lorine.
: FALL AND WINTER
\ MILLINERY.
\ MISS McELHOSE,
? Plaving recently returned from the North,
; where she i^s been for the purpose of pur
j chasing her stock, would announce to her cas
j lomers a:id the public generally, that she is
j now prepared to exhibit same. She has on
j hand a complete line of
Hats and Bonnets,
; in Felt. Velvet and Straw, in all the leading
Shapes and Colors, besides an end?
less variety of
LONG FEATHERS. TIPS, HIRDS, FANCY
WINGS, ETC.
Ornaments for the hair, Collarettes, Ruch
ings, Ladies' Collars and Cuffs at all prices.
An assortment of Children's
CAPS AND SACQ?ES
alw:;vs on lund Special attention given to
the selection of CORSKTS, the most popular
ot'which .ire the '.Silvia." Thompson's Glove
Fitting. ar:d Dr Warner's celebrated "Health"
Corset and many other styles at prices which
drfy competition
? full line of Bustles tn all the leading
shapes.
Promut attention given to country orders.
Oct 9"
I-ii .li . m J M HMM m ] .Il" MM I lilli? .
JIO.VT BEAD TH
The. summer is past Harvest time is upon us. A good crop
has been made and cotton is bringing better prices than for years.
BTJLTMAN & BRO.,
PROPRIETORS OF
"The Sumter Shoe Store"
inform us that the yield ia the Shoe crop this season is IMMENSE, but in prices
(unlike cotton) they arc cheaper than ever
before. If you will drep in and look at
their stock, and let them quote prices, you
will he impressed with the idea that
"SH033 MUST GEGW ON TESES.',
This old firm dors not need any intro?
duction to the old residents of our City and
County, but the population and business
houses having increased so rapidly they deemed it wise to use a small space here
to inform people tbat they have not been cr-nr?'-d ont, but are thoroughly pre?
pared to meet all competition in the BOOT AND SHOE TRADE at wholesale
or'retail. They sell the I/c' t I i u c ". n 2:
W Iii re Sewing' ^JTacl?ne
on easy terms, and keep always in stock a complete assortment of
Trunks, Valises anet Traveling Bags.
BULT3?AN & BRO.,
Oct 2 Opposite North side of Court House Square.
POR THE LADIES.
NEW MILLINERY STORE IN SUMTER.
Misses IT. 0. L0HSE and M. T. DAVIS
Announce that they hare opened a Millinery Business on Liberty Street, sc-end
door west of Main, where they display a carefully selected stock of
"EX^LrPS AlM'D BOr/lVESTS
in all the newest styles and most poplar material."1.
RIBBONS, FEATHERS, FLOWERS. LACES, RUCHINGS, AND EVERYTHING PER?
TAINING To A FIRST CLASS MILLINERY ESTABLISHMENT.
An examination of stock and prices is solicited, which we think will compare
with thar of a?;y other market.
Careful attention piv< n to orders. Oct '1
M
N
T
st sa
K *' n
f
J
13
Ul AIN STREET, CORNER (ANAL,
SUMTER, S. C.
9
H-ivinjr purchased an unusually Lar?e, weil lectt-d s'ock, ivf are now o?Vrin" to the neo- !
de of Sumter --t titi surrounding coan irv thc bi?rg.--s? m .? :.. ; ;;..... ur.vs.t vt nil kinds of house- '
io:d furniture ever opened in t iii s city, whu:> we guarantee w iii be sold ?..'.
^^iformly Low Prices Tliroixghout. .
I>oo^^||jj|^^ see our eoods ?nd prias. We ?iii give inducements that cannot be '
parlor Suits. BeT^^^^^ Vvood or mande-top, Wardrohes, Bureaus, Washstands :
R. dsn-ads Chairs .. Marr.-.,-?, Sp: i:r? 5, in fact even th.ng to he had !
at a firs' e!?ss r uriiiture SaTT^|A ?
If you want ^'-^^^^^f^^^H^ Ourain Pole?, Chromes, (ni Painting, kc, j '
Our l ii(IoHa!^ |
U full and complete, emhracin^a?l ^^^^?^^um ""1 tine Burial Cases j
Calls attended any hour-day or night, pru-- r.-. ' <v- ^ -^un?.
' ?mm wau .t\t) 7ifc??'
A
.
Is Head quart ors for
*S FOR THE SUMTER GRADFD r
-ALSO-?
All the School Books adopted by the State Board for the Pub?
lic Schools always on band. Teachers and Parents will
gave money by giving him a call before going
elsewhere. School Hooks greatly re?
duced in prices. Also,
LARGE ASSORTMENT OE IO CENTS MUSIC AND CHEAP
AND POPULAR NOVELS.
Cali and see for yourself. A ? -*
. BEST AN?; CU KA PEST.
; ALL GOODS GUARANTEED.
Estimates fumisheu by return Mai].
LARGE STOCK. PROMPT SHIPMENTS.
jin, IL Teni & co,
j' MANUFACTURERS CF AND WHOLE?
SALE DEALERS IN
DOOKS, SM, fMDS,
MOULDING-,
-AND-;
GENERAL BUILDING MATERIAL.
Office un.i Sa!esrO( ins, 10 and 12 H ay ne St ,
C ll A li LEST?N 5 S. C.
Jan 25
Th? largest and most complete establishment South
GEO. S. HACKER & SON,
I ?s?Pij J j ! I Hm.
Mauutacturers or
Boors, Sash, BM, Mill
AND BUILDING MATERIAL.
OFFICE AN:> WAREROOMS,
King, opposite Cannon Street.
CHARLESTON, S. C.
Jan 1 o
gsa !-} F""S F"* pf?
s 11III
1
C. 0. BROWN i Biifl.,
COLUMBIA, S. C.
ID O O IFL
SAS?? k BLINDS.
LATHS, LIME,
CEMENT, PLASTER,
AND HAIR. I
Frencli aa? Aaaricaii ?Mow Kass, |
PAINTS, OILS I
AND VARNISHES.
C?RTER WHITE LEAD,
The Bes? VA the Market.
Special Attention Gleen to Orders
hy Mail.
C. 0. BROWN & BRO,
Opposite Post Office,
COLUMBIA, S. C.
Oct 5-n
C. WTJLBEEM & CO.,
WHOLESALE GROCERS,
AND DE ALK RS IN
Provisions, Lipers, Totes, &r.
10 7 a n (I 16 9 Ea st- Bay,
CHAR LESION, S. C.
Dec. 2 6
WHOLESALE
And Liquor Dealer.
OFFICE AND SALESROOM :
1S3 East Bay, Charleston, S. C,
Nov. 7 o
li i, eiFFsi mi
Estai lishe*. IS J7.
WHOLES ALI: G2 C GEES,
Auction and Commission Mcrchan's
and Liquor Dealers.
AG KN "S FOR
The Pi.iii:? liest Br?wini* Co., Milwaukee J
I:? *r. atol the '"B?*st" Tonic, a concentrated j
hqtiid extrart of M tit ?tu: ! i "fa
The P*'es? Rri-wing Co , Milwaukee Reer, j
19"; EAST CAY AND 50 AND STATE STS.
(Auction Room State Street,)
CHARLESTON. S. C.
?&- Consignments Solicited.
"THE PAL?GI SLOQI"
11
rte
ft.. P. LEVY & CO, Proprietors,
(Sncn ?sors ?o Rosendoif ? Co l
*/ c always have a complete ?ir;'1 of im- j
ported and I domestic
(frises. Liquors ai]d GigarsJ
and desire t<> caJI esp* ri il :i:r? inion i<> our !
Pi?KK KOKT?! ?'. U,lX A
?'Of S S WilISE?IKS, ?
specially si-ier?K? foe Medicinal purposes, i
A cox)) plc tc linc of
IHKVVlXi; AND SM?VKlXt? TO j
BACH), PU'KS, ?c.
iiffiP ' ' ;i^' ?? Ss "*sc ?
>S?^IMIIU>J^v'1I'S? "i S:tt?ll?lcs. ri,.gaaiples, ? .
XiSCi. VtTf. r. ? 1 ?e- : y-. Wi k-j.t i
WRIG?-KT'S HOTEL, !
CO ?A: M IMA. S. 0.
rpH-IS NEW AND E DEC ANT BOUSE,
I with *)! tuod^rii improvenieote, ie now j
oui :i for tue " i:t-}>?ion ol f.n*>'
S. L V?' RIGHT A St?N, :
TO SELL Gr O O T) S CHEAP
GALL OX
S | fla
5
IF YOU WANT BARGAINS.
Ile has on hand a well selected stock of
DRY G-OODS, NOTIONS, GROCERIES,
SHOES AND HATS, CLOTHING,
And other articles too numerous to mention. Ile will net be
undersold by anyone.
Oct. IG.
E. E HEM BERT.
P. P. GAILLAKD.
rn r ?
liff5 fifi fl S Ti PS?'
LISTED!
Hardware Can Now be Bought at Prices Within the Reach
of Kvery!;ody.
Amorjij our complote assortment the housewife can find everything she
needs. The farmer his implements and the carpenter his tools.
Having secured the agency for the following goods we are prepared to off r
them at figures that will astonish YOU.
DOORS, SASHES AND BUNDS,
Studebaker Wagons, Carts, Budgies
AXD
D?YIS TURBINE WATERWHEEL.
THE CELEBRATED DuPOXT'3 POWDER.
Sporting Goods a Specialty.
A Full Line of Hardware, Cutlery, Guns.
3*
? g.
CD ^
Ready Made Wheels, g3^
CD
HOLLOWARE,
HUBS. RIMS. SPOKES.
BELTING,
MACHINISTS' AND MILL
SUPPLIES.
i
O P
CD
VARNISHES,
SADDLERY. HARNESS,
Tinware.
WOODEN WARE.
POT WARE, Etc.
Wc will always be glad to order out for our customers su-.-h goods ns we
m:iy not have iu stock. Call and examine. You will not complain about
prices.
E?^lWP1^ePfF Mr PO
October l?
SOMETHING NEW UNDER
nDTIT" ?3 WT
A GENUINE SLAUGHTER SALE TO BE
INAUGURATED THIS SEASON,
A THING YOU OFTEN READ OF BUT"
SELDOM SEE PERFORMED
V\e were fortunate enough to be present at a recent bank?
rupt sale holt! in Nev? York, at which goods were sacrificed afc
OlSi ?j~f?ALF tho cost of production to buyers with the"
neve to tackle tho immense quantities of each lot offered- Wc
promptly bid for the best bargains, regardless cf quantities and*
propose to give tho people of Slimier the advantage of eur pur?
chase. We can therefore conscientiously sav
This will bs a Slaughter Sale.
S-?fr?fe PA ill MEN'S HEAVY WOOL PANTS at $1.25.
%3 %P worlh fully ?2 so
QjAA MES-'3 HEAVY BLUE- CHINCHILLA DO?
BLE-BREASTED AND BOUND OVERCOATS"
at ?3.50, worth fully $6.50.
K$% MEN'S ALL WOOL STORM ULSTERS, (Lars*
T Collars) at worlh ?12.00.
61 fi- DOZEN MEN'S FINE FUR- ii ATS at $1.00,
^ ,vorlh $2.00.
TA ?h?h DOZEN MEN'S REINFORCED LINEN BOSOS*
iL WW gHIltTS, (iinkundried) at 50c, worth 75c.
DOZEN GENTS7 UNDERSHIRTS, in White;.
<^ w Gray-Mined, Brown-Mixed, and Red and White-*
Striped, at 50 cts. : sold everywhere at 65 cts.
?9 & DOZEN MISSES7 SOLID COLORED RIBBED*
^ ? HOSE at 2-5 cts., word? at least 50 cts.
UR SHOES STFOCIBL
TH tlie cheapest found anywhere. Oar LADIES' SHOES at $1 25, ?? 50:an^
SI 75 arc elegant gauds, warranted ali^pure learbe* and of good shapes and fit.
Our MEN'S goods at %\ -?, gi.50, ?175 aud $2 00 css't be equalled in ?W
City. ID our
Crockery asa*! Glassware Bepartine??
voa will find many bargains. Y?>u ought to see what an elegaut 7-inch plate we*
are se : i i r? z for 35 cts. per set. Cup* and Saucers from 3o c?s. tc 75 cts. These
are fine We are selling ar; elegant 7-inch S'and Limp complete for 35 cts. ;:
0-inch complete 50 cents; 12 inch Fancy Lamp for 75 cts.
We p^re offering 5 Dozen, full size, decorated
Heavy Tin Toilet Sets, (3 pieces) for
$1.25, sold everywhere for $1.75.
We are, as usual, ahead ia toe
F^ZSTCY GEOCERY LINK
Wc kerr- the best -roods and SPII at the lowest prices. Give ns a call abd ge?
prices before placing your orders;
Wc are sellia-?: a good Cigar tor Si 25 per 100: a fine Cigar for ?17-5 tici*
100, and an elogani smoke for $2 00 per 100.
Don?c forget to call and examine our stock. It will pay you.
KI.WCrllAll ? UV*
i i
selected wi?li emre t? meei the wants
all our
?iiid as good a line
Tine stock consists ?fall ilse leading s*j*^,
ni low priced goods
m eyer bronsltt fey me to this market* Piece floods.
Caps,
ores,
SMrtSj Fine and lleilliiiM Underwear, Hats,
Uinferelias, Socks, Jieckwear, Suspenders, ?
a nd k ere ii I ?k fs a ii ?
All Kinds of Overcoats for Men, Youths and Boys.
j f
We call special attention of our lady friends to the number one line of Boys%
Youths5 and Children's Clothing; for every dav and dress wear.
ft FWe propose to sci! the iroods at extremely low figures, and when you
.onie to Sumter don't fail to come and see us.
"PULL THEM IS OUR MOTTO."
^D\\S\ patronage, 8 remain very truly yours.
li ll
fed li
?5 ?l? Pli