The Red Cloud chief., 1894-01-19

CdlluiN '1lNs ~ N'flllS w hIt lltIt
ought to he IA pUUrhUuso soInowhIro on
the outskirts f heaven, whore these
guilty of such i:nprovid,ncc should be
kept for awhile on thin soup and gristle
instead of sitting down ut the Kings
banquet. II is said that the CHI 5h is
a divine institution, and ! believe 1t.
Just as certainly are the savings banks
and the life insurance companies divine
institutions. As out of evil good often
comes so out of the doctrine of proba-
bilities, calculated by Professor Hugcns
and Professor Pascal for games Of
chance. came the calculation of the
probabilities of human life as used Ivy
lite insurance companies, aud no bust
ness on earth is more stable or honor.
able, and no mightior mercy for tho
human race has been born since Christ
was born. Bored beyond endurance for
my signature TO papers of all sorts,
thero-is one style of paper that | always
sign with "a feeling Of gladness and
triumph, and that Is a paper which the
life insurance company requires from
the clergyman after II doceasc in his
congregation, in order to the payment
Of the policy to the bereft household. 1
always write my name then 50 they can
read it. l cannot help but say to my
self: Good for that man to have look
ed after his wife and children after
earthly departure. May he have of
tho best seats in heaven!" Young
man. The day before or tho day after
you get married, go to a life insurance
company of established reputation and
get tho medical examiner to put the
stethoscopo to your lungs and his ear
close up to your heart with your vest
off, and have signed, sealed and deliv-
cred to you n document that will, III the
case of your sudden departure, make
for that lovely girl the difference be.
tween u queen and a pauper.
l have known men who have had an
income Of $4,000, $4,000, $1,000, n
year, who did not leave one farthing TO
tho surviving household. Now, that
mans death is u defalcation, IN out.
rage. u swindle. Ho did not die; he
absconded. There arc 100, 900 people in
America today a-hungered through the
sin of improvidepce. But, say some.
my income is SO small l cannot afford
to pay tho premium on a life insur.
ance." Are you sure about that? II
you are sure, then you have u right to
depend on the promise in jeremiah
xix, II, Leave thy fatherless chill
dren, l will preserve them alive, and
let thy widows trust in me-" But If
you are able to, remember you have no
right to ask God to do for your house
hold that which you can do for them
yourself.
For tho benefit of those young men
excuse a practical personality. Begin
ming my life's work ON the muniticent
salary Of $500 u year and a parsonage,
and when the call was placed in my
hands l did not know how in the world
I would ever DO able to spend that
amount Of money, and ] remember in
dulging in u devQut wish that l might
not DO led into worldliness and prodi-
gality by such an overplus Of resources,
and ut u time when articles Of food and
clothing wcrO higher than they are
now, l felt it a religious duty to get my
life insured, and / presented myself at
an Office of one of the great companies,
and l stood pale and rvo lest tho
medical examiner might havo TO de-
clare that / had consumption and heart
disease and a half dozen mortal all
ments, but when l got the document,
which ! have yet in full force, l felt a
sense of manliness and confidence and
| quietude and reinforcement, which is a
| good thing for any young man to have.
For tho lack of that feeling there are
thousands of men today in Greenwood
and Laurel Hill and Mount Auburn
who might as well have been alive and
well and supporting their families.
They got a little sick, and they were
SO worried about what would become
of their households in case Of their de-
misc that their agitations Overcame the
skill Of the physicians, and they died
for fear Of dying. l have for many
years been such IN ardent advocate Of
life insurance, and my sermon on THE
Crime of Not Insuring" has been so
long used on both sides of the sea by
the chief life insurance companies that
somo people have supposed that l re-
ceived monetary compensation for what
I have said and written. Not a penny.
I will give any man 800 for every pen
ny l have received from any life insnr-
anco company. What / have said and
written on the subject has resulted
from the conviction that these institu-
tions arc u benediction to the human
race. But, alas, for the widespread i'm
providence! You are now in your char
tiles helping to support the families of
men who had moro income than You
now have, or over have had, or over
will have, and you al depend on the
im%providence Of many for tho truth of
my text in all times and in all places,
"Yo have the poor always with you"
LACK OF MENTAL BALANCE.
Another fact that you may depend
upon for perpetual poverty is the in
capacity of many to achieve q liveli-
hood. You can 60 through any COM
munity and find good people with more
than usual mental caliber, who never
have been able to support themselves
and their households, They are a Inys-