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In general, it was evident that some of the investigators were thoroughly disappointed with the lack of evidence of anything but a healthy condition in the life insurance business. The Chairman of the Congressional Committee, after the conclusion of the hearings, commented: “The business has come through with flying colors.” The investigation as a whole unquestionably left the public with a sense of assurance that the business was being conducted soundly and conscientiously, in the interest of policyholders.

This was fully demonstrated the year immediately following, the most satisfactory in American life insurance history. Confidence was especially marked in the case of the Metropolitan, which in 1941 reached the total of more than $25,000,000,000 of different types of life insurance in force, issued more business than in several preceding years, and achieved the lowest lapse rates on record in both its ordinary and industrial departments.

Despite the bias which was displayed during parts of the hearings, the results proved to be a source of satisfaction to the institution of life Insurance as a whole and to the Metropolitan in particular. From the point of view of public relations, the outcome was gratifying. The good will and respect of the public is a vital thing for the industry. The T.N.E.C. inquiry in 1939 proved an opportunity to confirm in the public mind the soundness and integrity of the industry in which it put its trust.

Another fact—and an important one—in the company’s relations to the public was the makeup of its agency force. From the beginning the Ecker-Lincoln administration had placed a new emphasis on the selection of the field workers. Managers were urged to exercise more and more care in the choice of company representatives; and in September 1931 the announcement was made of the establishment at the home office of a separate and well staffed division exclusively devoted to field training, sales promotion, and thinking of new ways that life insurance could be offered, such as no exam term life insurance.

Every new agent was expected to be thoroughly familiar with the plans and programs of the company. Managers, even those with long service, were brought to New York for “refresher” courses. Field representatives were encouraged to take instruction leading to the Chartered Life Underwriter (C.L.U.) designation and to take insurance courses at colleges and commercial schools. Life insurance salesmanship in the Metro­politan has thus become increasingly a professional career attracting men of higher qualifications.

At the same time the public has been informed, through a long series of advertisements in magazines of nationwide circulation, of the functions of the agent and how these representatives can render service in working out the most desirable form of insurance for each individual. Better trained agents, with their clients welfare increasingly in mind, have been an effective means of providing better service to policyholders and greater economy of operation.

In March 1936 the Board of Directors established the office of Chairman of the Board, and Mr. Ecker was advanced from the Presidency to fill this position. Mr. Lincoln, who had been Vice President and General Counsel, was elected to succeed him in the Presidency. This change was made in response to Mr. Ecker’s desire to share with his colleague more of the exacting burdens of administration, particularly those pertaining to the work in the life insurance field.

For Mr. Lincoln the previous 18 years of service in the company were an invaluable preparation for the administrative responsibility of his new office. At the same meeting of the Board a group of younger executives were advanced to ranking positions in the company.

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Bunk beds are really fun to have but they can also be dangerous if not used properly.  If you are thinking about getting a bunk bed, then check out these tips first. 

First, print off the federal bunk bed safety guidelines and.  They change every so often and sometimes retailers will want you to think that the model they are showing you is up to date with all bunk bed safety features.  Just because a salesman says it is doesn’t mean that it is.  They can be very helpful but they don’t always know the most recent information about the product they are selling.

If you have young children, ones that are younger than the teenage years, get bunk bed guard rails.  Make sure that they are really good and sturdy and will support your child if she rolls a lot during the night.  If your child has a history of rolling off the bed, get them guard rails too, even if they are older.

Make sure that the bunk bed is pushed all the way to the wall.  Children have gotten caught in between the bed, in normal beds too, and have died.  Put guard rails up on both sides if it makes you feel more comfortable.  Most bunk beds only come with one but you can always buy more. 

Sometimes the mattress foundation comes off.  It is usually caused by someone kicking the bottom of the top bunk mattress from the bottom bunk.  Tell your children that kicking the mattress is not allowed and explain why.  Check the bed every night to make sure that the mattress and the support beams are in place. 

When you are getting a new mattress for the bunk bed, make sure that the mattress is going to be the perfect fit.  Most manufacturers sell replacement mattresses for the bunk beds so try buying one from them.  The mattresses have to be a specific size or there will be too much of a gap in between the bed and mattress.  It can cause suffocation. 

Children love jumping off the bed and that is especially true for bunk beds.  Make sure that you buy a bunk bed that has a ladder and that your children know to climb up and down when getting into bed.  It will save a lot of injuries and from your children hurting themselves.  Most bunk beds come with ladders, but if yours doesn’t then make sure you buy one or you can even make one by getting some materials from your local hardware store.  Have your child help and he will even want to use the ladder. 

When you buy a bunk bed you have to be very careful.  They are really fun for children and it makes them feel more adventurous.  Just make sure that you warn them and tell them that any disobeying of the rules will not be tolerated.  You have to warn them because there are dangers that they might not realize or think would really harm them.  Just use these bunk bed safety tips when buying your next bunk bed. 

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