The applicant for insurance was nervous and ill at ease, but that alone
was not sufficient to make Dave Murray suspicious. A man taking out his
first policy is very often nervous--he dreads the physical examination in
many instances. He may think he is all right, but he fears the
possibility of some serious latent trouble. If there is anything
radically and incurably wrong with the average man, he prefers not to
know it. He may not say so, but he does. He goes before the medical
examiner with the fear that he may learn something disagreeable.
"I'm fairly contented now," he says to himself, if he happens to be
practical enough to put his thoughts into words, "but life will be a
haunting hell to me if I learn that I am not a good risk. That will mean
at least the probability of an early death. It will not change
conditions, but it will seem to bring death nearer."
These thoughts do not come to the very young man, but they do come to
the man who has passed, or is passing, the optimism of youth. In the
words of Dave Murray, "One of the great annoyances of the life insurance
business is that the very young man is too well and strong to want to be
insured, and the man of middle age is afraid of learning that he is not
as well and strong as he thinks he is. We have to fight optimism first
and cowardice later. Theoretically, the 'risk' ought to be caught young,
but, practically, it is easier to catch him when he has begun to
appreciate the responsibilities of life. The optimism is more difficult
to overcome than the cowardice."
Nevertheless, the man who has neglected to take out insurance when he
could get the best rate is likely to be nervous when he applies for it
later, however hard he may try to conceal the fact. And Elmer Harkness
was nervous. He was a year short of forty, apparently in the best
physical condition, but he was unusually nervous. He hesitated over his
answers to the most ordinary questions, he corrected himself once or
twice, and he betrayed a strong desire to get through with the ordeal in
the quickest possible time. When, at last, he was able to leave, the
physician having completed his examination, he gave a very audible sigh
of relief.
"There's something about this I don't like," commented Murray a little
later.
"What?" asked the doctor.
"That's the trouble," returned Murray. "I can't say exactly what it is,
but I have a feeling that something is wrong. We've had nervous men here
before. Remember the fellow who was brought up by his wife and who would
have ducked and run if he could have got the chance? He was nervous
enough, but not in the same way. He was afraid he would find he was
going to die next week, but this fellow was shifty. How does he stand
physically, doctor?"
"Fine," answered the doctor. "You couldn't ask a better risk."
"Well, he doesn't get the policy until I've made a pretty thorough
investigation, in addition to the usual investigation from
headquarters," announced Murray.
It took a good deal really to disturb Murray, but this case disturbed
him before he got through with it. His first discovery was that Elmer
Harkness had been refused insurance by another company some years
previous. This information came from the home office, which had secured
it through the "clearing-house."
"The risk was refused," said the report, "on the advice of the company's
physician."
"Must be another Harkness," said the doctor, when Murray told him about
it. "This man was in splendid physical condition."
"The Elmer Harkness refused," said Murray, consulting the papers before
him, "was born at Madison, Indiana, January twentieth, 1866, and that is
the place and date of birth given by the man who applied to us. You
don't suppose there were twins, do you?"
"Might look it up," suggested the doctor.
"Of course, I'll look it up," returned Murray. "It's mighty funny that a
man who was refused on physical grounds five years ago should be a
superb risk now."
"There's one satisfaction," remarked the doctor. "With the safeguards
thrown around the business in these modern days, a man can't very well
beat us."
"There's no game that can't be beaten," asserted Murray emphatically.
"There is no burglar-proof safe. With improvements in safes there has
come a corresponding improvement in cracksmen's methods. No man is so
much superior to all other men that he can devise a thing so perfect
that some other can not find the flaw that makes it temporarily
worthless. The burglar-proof safes have to be watched to keep burglars
away from them. The insurance system is as good as we now know how to
make it, but it has to be watched to keep swindlers from punching holes
in it. When we further improve the system they will further improve
their methods, and we'll have to keep on watching. The business concern
that thinks it has an infallible system to protect itself from loss is
then in the greatest danger."
"Do you think this case a swindle?" asked the doctor.
"It's better to get facts before reaching conclusions," replied Murray.
"It may be only an extraordinary coincidence. The man who was refused
insurance was not then living where the man who applied to us is now
living. That's worth considering."
But investigation only made the case the more puzzling. From Madison,
Indiana, a report was received that Elmer Harkness was born there on the
date given, and that nothing was known of any second Elmer Harkness. The
father of the Elmer born at Madison had been Abner Harkness, who was now
dead. The name of the father of the man who had applied to Murray was
given as Abner, and that also was the name of the father of the man
whose application had been previously refused. Elmer, after the death of
his parents, had left Madison, and nothing had been heard of him since,
although he was supposed to be in Chicago.
"Strange!" commented Murray. "This Madison Harkness is our Harkness,
beyond question, and he also corresponds, except physically, to the
Harkness who was refused."
So far as was known at Madison, Harkness was physically sound and well.
He certainly had been considered a strong, healthy man.
"That," said Murray, "answers the description of the man who was here,
but it really means nothing, as far as the other refusal is concerned.
Heart trouble was the cause of that refusal, and there hardly would have
been any indication of that to the casual observer. This Madison
Harkness may well have been the man who was refused or the man who
applied to us, but he can hardly be both--unless you have made a mistake,
Doctor."
"I'll examine him again," said the doctor.
So he sent for Harkness again, on the plea that he had mislaid the
record of the previous examination, and this time he gave particular
attention to the heart.
"Normal and strong," he reported. "No trouble there. It's possible he
had some slight temporary affection when he was examined for the other
company. The heart is sometimes most deceptive, and there are
occasionally apparent evidences of a serious malady where none really
exists. In some cases I've discovered symptoms of heart trouble at one
examination and found them absolutely lacking a little later. This man
is all right."
Nevertheless, Murray questioned Harkness closely.
"Are you sure," he asked, the question having been previously answered
when the application was made, "that you never were refused by any other
company?"
"I never applied for insurance before," replied Harkness, but there was
the same shifty look in his eyes.
"Did you ever know another Harkness at Madison, Indiana?"
Harkness looked frightened, but he answered promptly in the negative.
"Where have you been since you left Madison?"
Harkness told briefly of his movements.
"Did you ever live at 1176 Wabash Avenue?"
"No."
The case became even more mystifying. There was a record of only one
Elmer Harkness at Madison, but it was evident that two had applied for
insurance, for the Harkness who had been refused had given his address
as 1176 Wabash Avenue.
"I am tempted," said Murray later, "to make a strong adverse report. At
the same time I don't want to do an injustice and refuse a man who is
rightfully entitled to insurance. My refusal, coupled with the
mystifying record, would make it practically impossible to get insurance
anywhere at any time, and he may be all right."
"If there's a fraud in it anywhere," remarked the doctor, "there are
some clever and experienced people behind it."
"Quite the contrary," returned Murray. "The experienced people are the
people we catch, because they do things the way one naturally expects.
As a general thing, you will find that the police are fooled, not by the
professional criminal, but by the novice who is ignorant of the ways of
the crook, and the same rule applies to insurance swindles. If there is
anything wrong here our difficulty lies in the fact that this fellow and
those behind him are not experienced and are not going at the thing the
way an experienced swindler would."
An attempt to identify the Harkness who had applied for insurance as the
Harkness who had lived at 1176 Wabash Avenue failed utterly, owing to
the fact that the woman who had formerly conducted a boarding-house at
that number had moved and it was impossible to find her. It was a simple
matter, however, to verify other statements made by Harkness. He was now
living at 2313 Wesson Street, and was employed by a large wholesale
grocery firm. His employer spoke highly of him, but knew nothing of his
personal affairs. He might or might not be married. The employer had
been under the impression that he was a bachelor, but could not recall
that Harkness ever had said so. This confusion was partly explained at
the Wesson Street boarding-house, for Harkness had recently told the
landlady that he expected his wife to join him soon. He explained that
she had been visiting relatives during the six months he had been at
this house, but that they were planning to take a small flat. They had
previously had a flat, the address of which he gave, and the agent for
the building remembered that Elmer Harkness had been among his tenants
for two years. He knew very little about them, except that Harkness had
paid his rent promptly and had been a model tenant.
"And there you are!" grumbled Murray. "He's all right, and I wouldn't
hesitate a minute, except for this other Harkness who hailed from the
same place, lived in Wabash Avenue, and was refused insurance. Who was
he? How can there be two Elmers from a town that produced only one?"
"Possibly it is the same Elmer," suggested the doctor. "Possibly he was
refused owing to some temporary trouble that deceived the first
physician. Possibly he did live at the Wabash Avenue place, but thought
his chance of getting insurance would be better if he denied that he
ever had been refused, and, having once told that story, he has had to
stick to it. Of course, he had no means of knowing our facilities for
getting information."
"I don't see," returned Murray, "that our facilities have succeeded in
doing more than confuse us in this case. However, I'll submit the whole
matter to the home office."
After taking some time for consideration, the home office decided that
there was no reason for refusing the risk.
"If you are sure this man is physically all right," was the reply
received, "and that he is the man he represents himself to be, there
would seem to be no reason for refusing the risk. There may have been
some attempt at fraud, with which he had nothing to do, in the other
case, and none in this. In any event, if the man who applied to you is a
good risk physically, and a man of good reputation, as your report
indicates, we are willing to give him the policy."
In these circumstances there was no reason for refusal. Harkness was a
man of good reputation. Because of the other apparently mythical
Harkness, he had been investigated more thoroughly than was usually
deemed necessary, and his references had proved to be good. The
inquiries had been made cautiously and circumspectly, to avoid giving
offense, and the replies had been generally satisfactory. Nevertheless,
Murray had another talk with him before delivering the policy.
Harkness told whom and when he married, and the truthfulness of this
statement was capable of easy verification. His wife, he said, had been
away for some time, but was now returning.
"We shall take a small flat again," he explained. "I have already
selected one in Englewood--on Sixty-fourth Street. A fellow can get more
for his money out there than he can nearer the city."
Then Harkness got his policy, and a little later he notified the company
that he had moved to the Sixty-fourth Street flat. Murray puzzled his
head a little over the mysterious Harkness, and once took the trouble to
learn that the Harkness he had insured was still employed by the
wholesale grocery firm. Then other matters claimed his attention, and
the Harkness case was forgotten. There seemed to be no doubt that it was
a good risk, even if there was a mystery back of it somewhere.
It was six months later that he was notified of the sudden death at the
Sixty-fourth Street flat of Elmer Harkness, who had a policy in his
company. Instantly the details of the case, and his misgivings at the
time, returned to him. Yet the proof of death, signed by a reputable and
well-known physician, was flawless. A latent heart trouble had developed
suddenly, and Harkness had died within forty-eight hours after he was
stricken. The physician who had attended him never had been called for
Harkness before, but he had been at the flat a number of times to
prescribe for the trifling ailments of Mrs. Harkness, and he had become
well acquainted with the husband. They had moved into the neighborhood
about six months before.
"It all fits in with what we know of the case," commented Murray,
"except the heart trouble. That sounds like the mysterious Harkness.
Could you have possibly made any mistake in your examination, Doctor?"
"Certainly I could," admitted the company's physician ruefully. "None of
us is infallible, but I'll swear there were no indications of any heart
trouble when I examined him. Still, the heart is a mighty deceptive
organ. There may be trouble without any indications of it and there may
be indications without any trouble. I once knew of a man whose heart
seemed to skip a beat once in so often, but the best of medical talent
was unable to discover the cause of it, and the man lived to a good old
age. I don't claim infallibility, but I never examined a man who seemed
freer from any indications of heart trouble."
"I wonder," said Murray thoughtfully, "if Harkness' employer has heard
of his death."
An insurance company is merciless in following up evidence of attempted
fraud, but, lacking such evidence, it is wise to conduct investigations
with extreme delicacy. A reputation for unnecessary intrusion or
harshness, for a lack of sympathy with the bereaved, for any action that
implies a suspicion of dishonesty when the proof is lacking, may do a
great deal of harm. Every reputable company is anxious to pay all honest
claims with as little inconvenience to the beneficiaries as is
compatible with safety. Such investigation as may be necessary in some
exceptional case is conducted as unobtrusively as possible.
In this instance, the ordinary proof of death would have been accepted
without question were it not for the mystery of the "heart trouble" that
was supposed not to exist. This, combined with the report on the other
Harkness, was annoying, and, to satisfy himself, Murray sent a man to
the wholesale house where Harkness had been employed. The result was
reassuring, so far as any question of fraud was concerned. The other
clerks were then taking up a subscription to send some flowers to the
funeral, and his illness and death had been reported promptly to the
head of the department in which Harkness had worked. Furthermore, he was
registered as living at the Sixty-fourth Street flat, to which place he
had moved from 2313 Wesson Street.
"It seems to be all right," remarked Murray. "This is the man we insured
on the strength of your report, Doctor, and I guess the only thing we
can do is to charge you up with an error of judgment. Fortunately, it's
only a three-thousand-dollar policy."
"I don't understand it," said the doctor gloomily. "I wish we could
demand an autopsy."
"Hardly justifiable, in view of the circumstances," returned Murray. "We
have the affidavit of a first-class physician, and we know that it's the
same man, so the autopsy would be only to satisfy your curiosity. My own
curiosity deals with the Wabash Avenue man who was refused. I wish we
could locate him, although I don't see that it would have any bearing on
this case. He seems to have disappeared utterly. Perhaps he's dead."
Before dismissing the matter from his mind, Murray reviewed the facts
carefully. There had been an application to another company from a man
living at 1176 Wabash Avenue, which had been refused because of heart
trouble, but the city directory for that year gave no Harkness at that
address. It did give an Elmer Harkness at another address, however,
which coincided with the story told by the Harkness he had insured.
"Somebody," mused Murray, "must have been trying to beat the other
company. That's the best I can make out of it, although I can't see why
he should have assumed this Elmer's name and antecedents. It's a most
extraordinary case."
The latest city directory gave Elmer Harkness as living at 2313 Wesson
Street, which certainly was his address at the time the directory was
issued. So much Murray had looked up before. Now, further to satisfy
himself, he went through all the directories for the interval between
the two years, and he was rewarded by finding the name of Elmer Harkness
twice in one of them. Both were clerks, the addresses of the employers
not being given, and the residence of one of them was put down as the
address of the Harkness who had secured insurance.
"Then there are, or at least there were, two," thought Murray, "but only
one came from Madison. And what has become of the missing Harkness? Why
is he in only one directory? The fact that there were two helps to clear
up the record of the one I insured, so far as that Wabash Avenue address
is concerned, but how did both happen to give the same place and date of
birth? And did both have heart trouble?"
Murray straightened up suddenly and sent for the clerk who had made the
previous inquiries for him.
"Harry," he said, "I want you to go to the funeral of Elmer Harkness
to-morrow. Go early, and get a look at him, if possible. If not, get a
description of him from some of the neighbors."
Murray reproached himself for not having searched all the directories
before, although it would have made little difference. The fact that
another Harkness had lived in Chicago would have had no bearing on the
case, so long as the record of the one who applied for insurance was
clear. In fact, it would have explained everything, except the
coincidence of the alleged birth records. Still, it would have given a
new line of investigation, which might have cleared up the mystery.
Harry reported promptly the next day, and almost his first words aroused
Murray.
"I couldn't get a glimpse of the late lamented," he said flippantly,
"for the casket was closed, but I learned that he had hair slightly
tinged with gray and--"
"Gray!" exclaimed Murray. "Does a man get gray hair in six months? The
man we insured hadn't a gray hair in his head."
"He was rather stout--"
"Our man was not."
"I couldn't learn much else--"
"You've learned enough."
"--except that when he was stricken his wife's first thought seemed to be
to get a message to some mysterious man, who responded in person, had a
short talk with the wife, and then disappeared. A neighbor who had come
in was somewhat impressed by this, because she called him 'Elmer,' which
was her husband's name."
"What!" cried Murray, startled out of his usual imperturbability by the
evidence thus unexpectedly accumulating. Then, more calmly, "Harry, you
didn't get the address to which she sent, did you?"
"The messenger," said Harry, proud of his success, "was a neighbor's
boy. I found him. Here is the address."
Murray took the slip of paper, looked at the address, and then sent for
the company's physician.
"We'll make identification sure," he said, "for we both know the man,
and we'll take an officer and a warrant along with us."
Elmer Harkness was sitting on his trunk, waiting for an expressman, when
the party appeared at the door of his room in a little out-of-the-way
boarding-house.
"I thought you were dead," said Murray.
"I wish I was," said Harkness. He had almost fainted at the first sight
of Murray, but had recovered himself quickly, and, having once decided
that the case was hopeless, he resigned himself to the inevitable and
spoke with a frank carelessness that had been entirely lacking when he
was playing a part and trying to stick to the details of a prepared
story.
"Any weapons?" asked the policeman, making a quick search.
"No weapons," replied Harkness. "I'm not that kind."
"I don't see," said Murray, "why you waited here to be arrested."
"Why, I had a little interest in that insurance," explained Harkness,
"and I rather wanted to get it before leaving. However, waiting here was
a little trying to the nerves, even if everything did seem to be going
all right, and I was just about to slip up to Milwaukee until the case
was settled. I ought to have gone the day Elmer was stricken."
"What Elmer?" demanded Murray.
"Elmer Harkness, my cousin," the other replied promptly.
"And who are you?"
"I'm Elmer Harkness, his cousin," he returned with equal promptness.
"Which of you was born at Madison, Indiana?" pursued Murray.
"He was," replied Harkness, and added, "I was born at Matteson,
Illinois."
"There's a nice pair of names for a tangle," commented Murray as the
possibilities of the situation began to dawn on him. "No wonder my
inquiries failed to untangle it. Would you mind telling me how you
happened to try this thing?"
"No trouble at all," returned Harkness. "It was my cousin's scheme. He
had tried to get insurance when he was living on Wabash Avenue and had
failed. He had a heart trouble that was likely to culminate fatally
almost any time. Still, I don't think it occurred to him to try to beat
an insurance company until we happened to be thrown together about a
year ago. We were cousins, although we never had met before, and the
similarity of names seemed to make a great impression on him. He had
just returned to Chicago after a year or more in St. Louis, and he
already had had one heart attack, with a warning from his doctor that
the next would almost certainly be fatal. He was also told that the next
was not likely to be long delayed. Now, I suppose you'll think I'm
lying, but I did not take kindly to his scheme, and the money alone
would not have tempted me to go into it. I was sorry for his wife. He
had been able to make only a bare living; he could leave her absolutely
nothing. She never had had to support herself and there seemed to be
mighty little chance that she could do it. I finally agreed to go into
it for her sake. It looked easy and I was glad to make the try on her
account."
"But you wouldn't refuse a little something for yourself on the side, so
to speak," suggested Murray sarcastically.
"No, I wouldn't," Harkness frankly admitted. "To carry out the plan it
would be necessary for me to give up my job, change my name and make a
fresh start somewhere else. The job was not such an all-fired good one,
but it might be some time before I got another as good, and I would need
something for expenses while I was losing myself. I was to get five
hundred of the three thousand dollars insurance. The rest was to go to
the widow."
"That wouldn't last her very long," remarked Murray.
"It would help a little," said Harkness, "and we thought we would stand
a better chance if we didn't ask for too big a sum."
"An insurance company," said Murray, "has to be as particular with a
small risk as with a large one, and it will follow up a suspicious case
as closely in one instance as in the other. It's a matter of principle."
"I think I understand that now," remarked Harkness regretfully.
"But I am curious to know," persisted Murray, "how in the world you
arranged such a mystifying record."
"It was easy," replied Harkness. "I gave you my cousin's place and date
of birth, his parents, his marriage and his life up to the time he left
Madison. Then I gave you my record up to the finish, with the exception
of one year, when he was in the Chicago directory. We put that year in
so you could get trace of the wife in case you made any investigation. I
have no wife, and it was rather important, of course, that there should
be a record of a wife somewhere."
"It was a wise provision," admitted Murray. "We got trace of the wife at
that flat."
"It was after leaving there," Harkness continued, "that my cousin went
to St. Louis. When he returned we met and a little later fixed up the
job. As soon as I got the policy I rented the Sixty-fourth Street flat,
and my cousin and his wife moved in. That's all, I think, except that
you ought to be a little easy on me, I think, for giving you such an
entertaining story."
Murray turned to the doctor with a pardonable air of triumph.
"Was I right, Doctor," he asked, "in saying that it takes the novice to
devise the really confusing scheme?"
"You were right," said the doctor.