When a person wishes to become an "endowment" member of the society, the agent gives him a blank declaration paper, which he fills up with his name, age, occupation, residence, and the amount for which he wishes to join, and further states in writing the amount of the monthly contribution (for which he refers to the society's tables), to be paid for the same. If the proposal is made in behalf of a nominee, the age of the nominee and parentage and residence are also stated. The declaration paper is then transmitted by the agent to the secretary, who lays it before the board of directors in the district to which the agency belongs. The policy, which is issued in such cases almost as a matter of course, is filled up, signed at the board by three directors, entered in the society's register by the secretary, who numbers it, and sends it to the agent, who gives it to the new member, with a little card on which the contributions are entered. The policy recites the conditions, quoted from the rules, on which the society is to pay, and with which the member must comply under the penalty of fines or forfeiture. The contributions are to be paid bi-monthly to the agent, who does not go about among the members to collect them, but receives them at his office. No difficulty occurs, and no special commission is so much as thought of for a transaction which consists in receiving money and marking the amount on the contribution card against which the agent's initials are placed. A small fine fixed by rule secures promptness of payment, both in the case of the endowment and all other insurances made in the society.
When a person wishes to insure for sickness pay and burial money, the agent supplies him with a declaration paper which he fills up; or, if he cannot write, the agent fills it up for him. Any false statement in it vitiates all subsequent claim. The candidate states his name, age, residence, occupation, and the amount he wishes to secure in sickness and burial money, and what is to be paid for it. He answers certain questions relating to his constitution, and signs his declaration. A paper is sent to the proposer's medical attendant, containing questions of the same character, and a third paper is filled up by the agent. Evidence of age is also required, and then the case is complete for the decision of the board. About ten per cent, of the applications for sickness and burial money are declined, great care being used to take none but healthy candidates. Nor will the society grant an insurance to a labourer which would secure him an equal amount of money from its funds in sickness to that which he can earn in health. A man whose wages are 15s. a week would be allowed to insure as high as 12s. in sickness.
When sickness pay is claimed, the member sends a paper declaring "on" the funds of the society, which is guaranteed by
