The interior journal. [volume] (Stanford, Ky.) 1872-1881, 1873-01-31
COMMUNICATED.
Lie Ersu rance.

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\ Much has been said and written, il
the past twenty years, on life insurance
but a strong proof that il is the best in
vestment one can make is, that the lead
ing iinanciers on both continents are il.
advocates. Yet II is profoundly aston
ishing that We meet, now and then, .
man who opposes it. We know not how
TO account for this otherwise than by th,
fact that all nature is marked with yari
ETY. there are no two grains of sand OF
the vast seashore alike, nor two blade
of grass. We also conclude that no twi
minds are similar.
We now propose, first to meet tn,
popular objections To life insurance and
in the second place, to offer our reasons
for avoring it. First. by some Of thu
ovor-scrupulous it is said to be "morally
wrong; it is gambling" In answer tC
this objection we have but to say that
gambling is the getting of something fol
nothing, and in life insurance you car
not draw your policy without paying al
least one premium; hence, you do moi
get it for nothing. Thus we see il i
necessary to Discriminate between gam
bling and speculation, as life insuranc,
certainly comes under the head of The
latter. II it is gambling, the merchant
who makes twenty-five per cent. on his
goods wins that much money. The same
is true in every commercial transaction
So if it be gambling, we deem it an
honor to be called gamblers.
A second objection is, that it will
make one die sooner. This Is supcrsti
ton, and, in this enlightened age, re
quires no answer.
A third objection is in these words
81 hate to take stock in anything must
die to win." In answer to this | would
say. Father, forgive them they know
not what they do" You who brave the
warning elements, and trave, the rugged
hill of life, regardless of the storms Of
adversely, in search of wealth-pouse il
your wild career, and consider but fol
one moment: Don't you know that yor
will leave your wealth TO your family
Then why not leave them policy o.
your life in some good company? No
it is a spirit of covetousness that prompts
you to offer this objection you know !
is gooi thing, but you want to handle
the money yourself.
Then away with these groundless oh
jections, and LET the light of heaven-boru
reason be shed upon the bewildering
mind, and a feeling of charity in behalf
OF poverty-stricken humanity pcrvadC
the heart.
Life insurance is founded upon al in
fillible basis. A conhagration may
sweep over a city and render the best firC
companies insolvent; but with the mum
bers of life companies, and the bais upon
which they are established, mortality
could not become SO great as TO render
them insolvent. Again, men are more
anxious to insure their houses than their
lives and yet they are sure to die, and
their houses may never burn. This il
indeed a gross inconsistency.
The language Of inspiration as well as
reason sanctions it; for We are told that
"he that provideth not for his household
is worse than an inidel."
! II is best for the poor man, because he
can not leave a competency to his family
without it; and the man who has to labor
hardest to pay his premiums is the man
who needs life insurance most.
1t is best for the rich man, because, in
case of early death, it pays better than
any other investment; and even if his
life is prolonged beyond the expectancy,
the dividends that are declared diminish
his premiums until the policy becomes
self-sustaining, aud the dividends are
then applied TO the increase of his policy,
or paid in cash to the policy-holder. 1t
is also very evident that it brings more
money into the country than it takes
out, as we know Of thirty thousand dol
lars having been paid to our county
within the past year.
These reasons, compared with all the
reasons for life insurance, are as but a
drop Of water in the vast ocean. A
thousand more might be given if space
would admit.
II is a consolation to the dying man to
know that he leaves his otherwise help
less family an independence, and rescues
his beloved wife and children from the
cold charities of the world; aud, as the
genial rays of the day-god penetrate the
mist and gladden. all nature to the utter
most parts of Gods eternal space, so
does knowledge Of the fact that a life
policy has been left in part dispel the
gloom that hovers around the hearts Of
the bereayed family, who will forever
revere his name for raising them above
Ilv 1tl 1 DIlA