The Newberry herald and news. (Newberry, S.C.) 1884-1903, 1893-10-25
ADVICE FROM ARP.
Young Men Should Insure Their Lives and
Every Man Should Pay His Own
Funeral Expenses.
From the Atlanta Constitution

From the Atlanta constitutional
III had my life to live over again I
would insure it. I would begin at
twenty-one. I would take a life policy
for the benefit ofmy wife or my mother
or my sister or somebody very near and
dear TO me. If was poor I would in
sure for 81 ,0G0, for that would take only
50 twice year. Any young man could
pay that much and if he died young
the thousand dollars would help his
mother or his wife or his sister so
much. Funerals are expensive nova
days, and a poor man can't afford to
die unless his life is insured.
Ifa young man who is getting from
$50 to 500 salary does not spend any
thing for whisky or cigars he could
safely take policy for $1,000 and pay
S27 twice a year. If he was twenty
five years old it would cost him only
$50 semi-annually-not as much as his
cigars. If his salary was $3.50 a month
he could afford $40 of it each month
for insurance, and that would carry
policy of $4,000. What a blessing that
sum would be to the wife or the mother
or the sister. I know a young man who
carries $40, 900 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. If he outlives them
the policy becomes his own.
Life insurance is the best savings
bank in the world for a young man.
He gets it 50 cheap. Now, here I am,
old and poor, and am carrying only
$4,000 on my life and it costs me $175
year, and it is hard struggle to meet
the premiums. I began only five years
ago. Too late, too late, but must hold
on until 1 whip the fight. III whip it
sure if hold on, for old Father Time
is backing ME. If I had begun at
twenty-one or twenty-five the premi-
ums would have been about $40 and
the dividends would have paid that
long before this. Heard man say the
other day that he paid on $4,000 for
twenty years and now has paid up
policy and draws dividends on it just
like it was stock in bank. I wish I
had done that when I was a young
man. Wouldent it be glorious if I had
such a document for my wife and the
girls.
But if a young man seriously objects
to make money by dying for it let him
take out an endowment policy for
twenty or twenty-five years. It will
cost him about twice as much, butshe
can, if he lives, walk up to the esp
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 be can, one for life
and QUE on the endowment plan-one
for others and one for himself. It is q
comfortable thing for a man of forty
f7e to have paid-up policy that is
drawing dividends. 1t is still more
comforting for widow or sister or
child to inherit both policies if he
should die before he expected to.
Insuring ones life for the benefit of
others is the most unselfsh act that a
young man can perform. No selfish or
thoughtless young man will do it. It
is like looking death square in the face,
but few young men will do that. tits
the next thing to getting religion. It is
a confession of mortality. But death
is fact and if the young man would
stop and think, be would take busi-
ness view of it 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, aad 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
reasonable man he must admit that he
ought to insure his life, while it costs
so little, and not " ait until it costs so
much.
Why not? For forty-four years
have insured my house and furniture
and no fire yet. The insurance COM
pany has got all that money for good
and yet I have taken comfort all that
time. I have slept better at home and
felt better when abroad in knowing
that if fire did come and destroy my
dwelling the loss would be made good.
That fire may never come, but here
is case where death is sure to come
death which in most cases of man
hood deprives the family of one of its
pillars-perhaps its chief support, and
yet how few of the young married men
are carrying policy for the wife and
children. They are just going it blind.
1t looks like defying fate for young
man whose only income is his wages,
to live day without policy. He can't
afford tc. Even the rich insure their
lives as an investment. In fact it I
could make the laws I would require
every young man to take policy for
at least $1,000 when he applies for a
marriage license, If he couldn't raise
SIS Or s2o to protect the girl he loved
for one year, he is not ftten to have
her, nor fitten to get ftten. If be be-
gun with policy be would be very apt
to keep on. The ordinary should be
prohibited from issuinga license unless
the policy was produced and was ap-
proved by him. A young married maa
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