The Laurens advertiser. (Laurens, S.C.) 1885-1973, 1893-10-24
ADVICE wrTHoUr cHARoE.
Bill Arp Thinks Young Men Shout,
Insure their Lives for the Benefit O
Relatives.

Bill Arp Thinks Young BE Should
Insure their Lives b the Benefit OF
Relatives.
Atlanta Constitution.
II had my life to live over again 1
would insure 1t. / would begin at
twenty-one. l would take q life policy
for the benefit of my wife or my moth
or or my sister or somebody very near
and dear to me. II 1 was poor I would
insure for 81, 900, for that would take
only SO twice a year. Any young man
could pay that much and II he died
| young the thousand dollars would help
his mother or his wife or his sister so
much. Funerals are expensive nova
days, and q poor man can't afford to die
unless his life Is insured. II q young
man who Is getting from $50 to 800
salary does not spend anything for
whiskey or cigars he could safely take
"a policy for $4,000 and pay 1927 twice 8
year. II he was twenty-five years old
1t would cost him only $50 semi-annu-
ally-not as much as his cigars. II his
salary vas $3.50 a month he could afford
$40 of 1t each month for insurance, and
that would carry O policy of $4,000.
What a blessing that sum would be Il
the wife OK the mother or the sister. 1
know q young man Who carries $40, 600
for his father and mother. They are
old and poor. He supports them out
of his earnings, but fears he might die
before they do and then they would be
helpless. II he outlives them the policy
becomes his own.
Life insurance is the best savings
bank in the world for a young man.
He gets 1t so cheap. Now, here I am,
old and poor, and am carrying only
$1,000 on my life and 1t costs me $175 a
year and 1t Is q hard struggle to meet
the premiums. l began only five years
ago: Too late, too late, but l must
hold on until I whip the fight. I'll
whip 1t sure IL | hold on, for old Father
Time is backing me. If / had begun
at twenty-one or twenty-five the pre-
miums would nave been about $40 and
tho dividends would have paid that
long before this. Heard u man say the
other day that he paid on $40, O00. for
twenty years and now has q paid up
policy and draws dividends on it just
like it was stock in a bank. 1 wish 7
had done that when / was q young man.
Wouldn't it be glorious If I had such a
document for my wife and the girls.
But If young man seriously objects
to make money by dying for it let him
take out an endowment policy for
twenty or twenty-five years. 1t will
cost him about twice as much, but he
>can, II he lives, walk up to the cap
tain's office and call for his money and
do what he pleases with it. If he hap
pens to die before hand his wife or his
mother or his sister can draw it for
him. Every young man should take
out two policies if he can, one for life
and one on the endowment plan-one
for others and one for himself. It is q
comfortable thing for a man of forty
five to have a paid up policy that is
drawing dividends. 1t is still more
comforting for a widow or q sister or q
child to inhorit both policies if he
should die before he expected to.
I%nsuring ones life for the benefit of
others is the most unselfish act that a
young man can perform. No selfish or
thoughtless young man will dU it. 1t
is like looking death square in the
face, but few young men will do that.
1t is the ext thing to getting rolf
gion. 1t is a confession of mortality.
But death is a fact and if the young
man would stop and think, he would
take a business view of 1t and leave
the religion out of the question. Let
him ponder upon the fact that not half
of the men at twenty-five live to be
ffty-that half his life is already gone,
that the chances are against him, that
he will leave somebody behind him
who has been dependent upon him and
may suffer without him. Then if he
is a reasonable man he must admit
that he ought to insure his life, while
it costs SO little, and not wait until it
costs SO much.
Why not? For forty-four years l
have insured my house and furniture
and no fire yet. The insurance COM
pany has got all that money for good
and yet [ have taken comfort all that
time. | have slept better at home and
felt better when abroad in knowing
that if q fire did come and destroy
my dwelling tho loss , would be made
good.
That fire may never come, but here
is a case where death Is sure to come
q death which in most cases of man
hood deprives the family of one of its
yet how few of the young married men
are carrying a policy for the wife and
children. They are just going it
blind. 1t looks like defying fate for a
young man whose only income is his
wages to live a day without a policy.
He can afford to. Even the rich in
sure their lives as an investment. In
fact If l could make tho laws I would
require every young man to take a
plies for a marriage license. If he
couldn't raise $lS or $40 to protect the
girl he loved for one year he is not fit
ten to have her o fifteen to got itten.
If he begun with n policy he would be
very apt t. keep on. The ordinary
should be prohibited from issuing a
license unless the policy was produced
and approved by him. A young mar
ried man has no right to die and leave
a widow and one or two children help
less. A policy of ono or two thousand
dollars would be a good document to
court on.
Every man should pay his own
funeral expenses and not die q pauper.
There is a family pride about such
things and the parents of the widow
will sacrifice everything for the loved
ne. The doctors bills, the drug bill,
the burial case, the burial ioU, the car
riages, the hearso and the mourning
all cost money. A few months ago a
young man of our town died away from
home. His life was devoted to his
mother and his sisters, but 1t was not
insured and the express charges and
other expenses have been a grievous
burden. How easily he could have
carried q policy of 81 900, out of which
he could have been buried and left q
good sum for his widowed mother.
L wonder o many Of these travel
ing young men carry a policy for their
mother or their sisters. Filial love is
Il sweet and blessed thing and the oc-
casional visits Of the boys to their
homes is q comfort and joy, but when
death ONE untimely and unexpected
the bereaved ones can't live on sor-