Fort Worth gazette. [volume] (Fort Worth, Tex.) 1891-1898, 1891-06-21
LIFE INSURANCE.
ITS GROWTH HERE COMPARED
WITH OTHER COUNTRIES.
Hard Work is the Only Key Which Opens
the Door of Success to the Life In
surance Solicitor.

Life insurance is protection against
financial loss by death, and it is based upon
the productiveness of the person insured
present or prospective-and the absolute
certainty that he will die. A healthy body,
strong viii, an active brain, and q natural
aptness Tor business are the most produc-
i've property in the world. 1t has been
said that when time was young, only two
human beings lived on this earth. They
lived IN garden and fig leaves were their
clothing. There were no business blocks,
no railroads, no banks, no palatial resi-
dences. no trade, no commerce, no money.
All OF these have since been produced by
the brain of man. One generation after
another has lived and passed away, each
contributing something to what now con-
stltutes the wealth of the world; 100 years
hence, every man, woman and child now
living will be dead. The exceptions only
prove the rule. Man is truly very produc-
tive, and there is nothing more certain
than that he will die. Your annual income
on that business block is $4,000 more or
less. You keep it well insured. You even
have the rental insured. Not because if it
were to burn your family would be pau
pers, or that you would experience other
than slight inconvenience from it. 1t is
productive property liable to burn, and it
IS buslness-like to protect such property.
Ii you owned 1000 such blocks you could as
sumo such risks yourself; but you own but
the one block, and you can no more afford
to carry the risk on one block than you can
afford to carry one letter to San Francisco
for 9 cents.
The companies can carry the risk because
they are carrying the same kind of risks on
thousands of other blocks, and their re-
celpts from all pay the losses on the few
that burn and there is still margin left
for profit. Your block earns handsome
income You produce the block. Which is
the more valuable property, you or the
block2 Which is the most liable to perish,
the block by fire or you by deathl
Which would be attended by the
financial sense, the destruction of the block
by fire, or you by death in the next thirty
days. Would the destruction of the block
uninsured impair or cucumber the value of
your other property? With no insurance on
yourself would not your death within the
next thirty days impair the value of your
estate at least 25 to 80 per cent?
The average duration of class of lives is
certain, but there is no certainty of the
duration of one life. When you have your
buildings and merchandise insured, you
protect your family against what may oc-
cur, but when you have Yourself insured,
you protect your family against what must
occur. Fire insurance is protection against
a possible certainty, but life insurance is
protection against an absolutely certain
One may possess those rare and indetina-
BILE qualities of mind that always insure
success. Everything he touches changes to
gold dollars and great many of them.
When he purchases stocks they are at the |
lowest, and when he sells, they are as mys- |
at the the highest. Under his |
magic touch his wealth increases, he |
hardly knows how, so natural is it for him |
to control the wealth-producing elements |
that surround him. When his plans ripen |
they stand out in bold relief and are en-
phatically his own and are tenaciously car
ried out to generally successful ISSUE He |
seems to be impelled by force which he
has no power or inclination to resist He |
owes to watch the mental machinery with
IN, working so admirably, and, with rare
exception, accomplishing desired results.
But this valuable machinery will not al
ways last. His grasp on the lever will
De gradually loosened. He will trust to
others what he once thought could only be
lone by himself, and he thought rightly.
At this juncture, men of princely fortunes,
'y one single misstep have lost all Some
II our wealthiest men, conscious of this |
approaching epoch, have ''hedged'' by in
resting largely in life assurance. There
re other younger business men, whose |
ortunes are not yet made, and who, utiliz-
ng the experiences of others, have in
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outlines, semi-tontines" and other forms Of
life assurance, paying for them during the
present. productive periods of life.
These assurances, in the event of prema-
ure death, will constitute an estate, to-
ether with other accumulations as large,
as if they had lived their full
Measure of days. These young men have
cared that men die in the full strength of
manhood, when their prospects are bright
st, before their. well matured plans have
ad time to work out expected results, and
lst when they have reached the threshold
+ success. They have seen that such un-
lmely deaths bring financial loss, and some
ines utter ruin to bereaved families. It
1as like the freighted ship sinking in full |
lew OF the safe harbor, or the costly build
lg going up in smoke and cinders.
The representatives of American enter
rise are hopeful. for they have reason to
e, but there still remains period of un-
ertainty between hope and accomplished
asults and they have thus bridged it over
Y the only method known and approved by l -,
he best intelligence of the nineteenth CEN :
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