La Fayette, Ind., Oct. 13, 1895. To the Editor: —... Both the Equitable and the New York Life Insurance Companies have lately adopted the graded scale of fees to local medical examiners, thus: For three thousand dollars or less of insurance . . . $3. For from three to twenty-five thousand. . . . . . . 5. To be brief and plain, I inclose the blank just received from the New York Life Insurance Company; it explains itself. By the examination of the books of one of our oldest and most reliable life insurance agents in La Fayette, I find that nine out of ten applications for policies are for a less sum than $3,000 insurance showing that this graded scale of fees means a cut of about 40 per cent, from old and established rates. I do not believe that the doctors throughout the country appreciate this, and I wish most earnestly that you would write one of