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The year was 1859. An ox and a passenger train collided just outside Johnson Creek, Wisconsin, and two of our policyowners were killed in the wreck. The claims totaled $3,500, which was $1,500 more than our two-year-old company had on hand. Then President Samuel S. Daggett and his fellow trustees personally borrowed the money to settle the claims, proving that our dedication to our clients is as old as the company itself.