Minnesota weekly times. [volume] (St. Paul, Minn.) 1854-1859, 1854-06-20
LIFE INSURANCE.

agitated in this country, to US the subject was OF
the most repulsive nature, but time and expert
ence have dissipated those false notions, and to-
day we look upon Life Insurance, as not only per-
fectly proper but highly beneficial to the human
race. How many are there, who though highly
worthy in every respect, cut down in the prime
of life leaving behind them family of little ones
to buffet with the angry waves of the cold world
In such a case the money which might have made
them comfortable, derived from the insurance on
the husbands life, is not to be had, and they are
obliged to 60 out into the great pathways OF ex-
istence and seek livelihood. Now we hold that
the first duty of the husband and father should
be to provide for his wife and family in case OF
his death, and if he finds that at certain period
of his life, fortune does not smile upon him, he
should avail himself of the last resOrt-an insu-
rance on his life. To-day he may be enjoying
good health, tomorrow sleeping beneath the sod.
From an address by DR.. Geo. F. Foote, before
the Batavia Lyceum, on the benefits of Life In
surance, extract the following:
EVILS OF NOT INsURINc.-Do not complain that
we are too severe. But 60 with us among the
poor of our large towns and cities-yes, go with
us among the poor in our very midst. Behold the
widows and orphans suffering for the want of the
most common necessaries Of life, made so from a
neglect to effect an insurance upon their only pro-
pcrty, their only resources, now entirely and for
ever cut off, viz: the life of husband and father
Behold the misery, the want, the suffering, the
cold and cherries prospects, the excessive toll,
the deficiency of food, clothing, and comforts Of
life. Hank! he those dear ones, who once had
fond father to caress them, now crying for bread
Witness the p,ng that shoots TIN ough that anxious
and care worn mothers breast, as she raises her
eyes to heaven, and with broken heart and sup
plant tone ple d., for her innocent offspring. She
mlrmurs not but she.feels that her burthen is
more than she can bear.
Witness all the horrors of poverty attendant
upon a neglected widow, whose greatest exertons
are remunerated only with a miserable pittance,
surrounded, she may be, with her helpless
chldren-suffering for the necessares Of life; and
then, but for a moment reflect that our own fam
lilies, our own wife, and dear ones, are daily ex-
posed to the same sad fate, so long as we live
without providing certainty against their future
want.
This is not an overdrawn picture. In the ca
pacity of a physician for the last fourteen years,
we have witnessed numerous instances of families
reduced to penury and want by the death of a
husband and father, whose former circumstances
were in every respect as cool as many Of ours.
WHEN OUGHT AN Insurance TO BE Effected? p
Now. First, because it is less expensive than it
will be when YOU get older. Second, because, if
in health, you will pass medical examination
and be accepted. Third, life is uncertain, and
delays are dangerous.
In proof of the first, we have only to state that
the premium rates, per year, are Increasing as
you grow older, so long you remain uninsured.
Whereas, when insured, you continue to pay,
during your natural life, the rates per year that
are chargeabe at the age YOU make the first pay
ment.
A man at 43 years of age pays much per
year for policy of $1,000, as one at 20 pays for
policy OF $4,000; and at so, as much for So
600 as one at 20 does for $500. This, with the
accumulations made to each person insured in the
form of diridends, alone offers great inducements
to insuring young.
In regard to the second, no Insurance Company
will take a risk where the person applying is not
in sound health, with fair prospect of long l:fe.
Hence it behooves all who think of insuring, to
avail themselves Of it's advantages before the raw
ages of disease have marked them, and rendered
their chances of acceptance doubtful.
Third, and lastly. What greater evidence do
we want, to prove the uncertainty Of life and the
dangers of delay, than moments reflection !;
during which our own observations and past ex-
perience shall occupy our mind. How many can
each one of us call to remembrance of mothers,
orphans, and dependent parents, victims Of the
uncertainty of life and this dangerous delay
How many, but for it, would have enjoyed COM
Portable livelihood, who now suffer in abject pow
erty and want. Do not our innermost feelings
respond to the defamation that delays are dam
gerous
Go, then, and get your life insured, and if you
should be called away in an unexpected moment,
you can look down from your ETHEREAL home in the
sky, with feelings of satisf icton that you had
provided for the partner Of your bosom and the
little ones of your household.
CCBA.-Various reports are in circulat. on re-
spccting this Island. In addition to that which
we published a short time ago to the effect that
the Slaves were all to be liberated, it is now re-
ported that the Captain General is Sc raising black
troops, and has issued an address, in which he
says that the banner of Spain shall continue to
wave on tho Island at all hazards" This is prob
ably re-hash of the old report, and although
there may be some foundation for it, vet we think
not sufficient to demand serious considerations
That the propagandists of Slavery are anxious to
procure Cuba, Slaves and all, there is but little
doubt, but that they uu procure them there is con-
siderable doubt. The play is going on. We shall
soon see what star actor comes next on to the
stage. The scenes have all been painted, and
it only needs but the rolling up of the curtain to
behold the paraphanalia of the celebrated tragedy
of Nebraska and Slavery, written and illustrated
by S. A. Douglas. Light the foot hampshire
us the music-let the performance commence.
c. Douglas has been serenaded in New York
by the Democratic Union men. He made speech,
and in that speech he stated that the principles of
the Nebraska Bill must not only be acquiesced in,
in the admission of Nebraska, but also in the adj
mission of every new State, whether it be Oregon,
Mexico, Cuba or the Sandwich Islands. (Enthu-
siastic cheering, and cries of that's it," 20 it
Douglas.")
Comment is unnecessary. The Judge continu-
cd and ended with the followino sentence