New-York daily tribune. [volume] (New-York [N.Y.]) 1842-1866, 1845-11-29
From the Portland Bulletin.
Life-Assurance, No. 3-By John Neal.
Objecti0ns con sidered.


Taking up all objections in the order they are
usually o!iered-the following may be supposed 10
represen; the different classes OF society and are
always among the first, 10 be answered.
We cannot afford to insure are living nor
only from hand to mouth: we can hardly manage
10 make both ends of the year meet Of-"c
cannot Law ANYTHING up. do best with the large
family We have We canHo. spare the money from
business oryve are too od--o7 TOO vel! oil
chr property is safe-and wives and children
have nothing 10 fear.
Cannot afford to insure BY this you mean that
Won cannot afford TO get insured. Can you then al
ford 10 insure yourself Insured you always are
and always must be, and whether you know Ii or
not-you cannot help yourself. and the only qqes-
ton is 1-tetler you can Gf0rd TO iRSUrs y0HrSej :
Or. in other words which is cheapest and safest
To take the risk upon your own shoulders or 10 pay
somebody e-e Tor taking it Suppose We uy the
question fairly. At how much year. would you
insure another mans life exactly OF your age IN eH
ac;lv YOUR condition CT bealth binding yourself TO
pay his family certain sum at his death, and 70 al
low them certain profits and advantages during He
Now mark me-The difference between what You
would be willing 10 take that risk Tor, and the price
you would have to pay in safe and eii'mahaseG
Insurance Company, Tor the same advantages e0'"@
he SO much clear gan 10 you ere7y year Of yo"r
Cannot afford to get your life insnred-becaHse
ven are hard pushed because You cannot lay any
thing up nor in other words, because your little
ones and their mother, your companion tor years
YOUR partner in business far iJe, your pleasant
counselor, will have nothing 10 look Tor alter your
death but bel pless and hopeless poverty!
Would YOU venture TO give such reasons for not
insurinp house or shop n little furniture, or
ANYTHING else YOU could not afford to lose yourset
And which is the more valuable, sucn properly or
YOUR l,te which is of most value to your vile and
children And how dare You as a husband and
IL
a risk upon Yourself, when you would no more think
of rsking your interest In ship at sea, or IN mousse
ashore without insurance. than you would OF haz
arding all that YOU are worth upon the turning OF
card Tor the comfort of your whole family upon
the cast OF die
But YOU canuo, spare the money from your bust
ness INDEED! So, rather than spare few dol
lars vear-a few cents a week al most-irom
YOUR business YOU will persevere IN taking FISK
upon Yourself year after year, which you cannot
afford, and which, when the loss happens,-and
happen AZ must, sooner or later-Wlll bankrupt
your whole family, scatter them far and wide, stop
their household education forever and blast all their
prospects in life And this you call prudence and
worldly wisdom
But YOU are TOO old, or too well of-your proper
" is safe, and vo,,r families have nothing 10 fear
No-not too old, unless you are more than s'rty-
seven Up to slrtY. YOU may insure any where ::
up 10 sixty.se at least in Office, the Mutual
Benefit Life Insurance Co No. II Wail-st. New
York which the writer undertakes 10 say unlteS
more advantages than any other in the world. Nor
can YOU be so we'll Off no matter how rich you are
as not to know that richer men than you have
left their families beggars. Would you have all
vour eggs in one basket? But yout property Is
safe !-your family have nothing TO fear Indeed
some of your property is in Bank stock, where
YOU are partner; some in Insurance stock, where
you are also n partner and liable for double rne
amount of your stock with certainty, that in case
of war the latter is good for nothing, and in case OF
a great fire, the former You are in the Commits
sion business, perhapsand guarantee for q per
cent, against the experience of ages. in Commercial
vicissitude You hold your houses and stores by
titles which after your death, if not before, may be
questioned You have ships at sea, in charge of
captains who deciate more or less every voyage ;
and you know nothing of what constitutes "'isea-
rorthiness so that if your vessel is lost your IN
insurance fails and you ruined in spite of yonr
insurance And this you call being safe. Look
about YOU. Call 10 mind some of the most prudent.
cautious and saving men you ever knew whose
families are now scattered. wholly dependent
upon relations and ask yourself, ii your property is
any safer.
Nothing 10 fear why, if you are in business, no
matter how prudent you are they have every thing
TO fear You can maize them safe. Stop!-lhink-
riN .you do SO, or not D. N