River Falls journal. [volume] (River Falls, Pierce County, Wis.) 1872-2019, 1895-01-10
The Importance of Life Insurance

There must be some very forcible
incentive TO life insurance that APP
peals irresistibly to the conscience
and judgment of prudent men. ire
spective of what may be the prevail
ing business conditions. That this is
so, is most conclusively proven by the
fact that in times of commercial
depression and business stagnation.
life insurance does not suffer loss of
patronage to anything like the eX-
tent that is experienced in all other
directions-indeed, i'm some seasons
which have been dullest in general
business and manufactures, the good
work done by the Life Insurance
Companies has continued to show a
constant gain, and it was only after
the depression became long sustained
that their business began TO eX-
perience the detrimental effects which
were so disastrous to all other
interests.
OF course, life insurance appeals to
all that is cautious, careful, and con-
sentative in business men. 1t is the
sheet anchor which is going TO give
them and their families measure of
safety if every other hope is blasted
and every business enterprise en-
pMItNh. I@llc
is such a serious thing that it is not
at all difficult TO suppose that con-
ditiOn of general business depression,
which engenders anxiety in the
minds of prudent business men, will
itself impel them to secure the addi-
tional security that life insurance
affords, and will implant in their
minds fixed determination not to
sacrifice any Of the security to their
dependent families, for which they
have heretofore been paying out their
good money.
Many of the most careful and
prudent business men will readily
justify themselves in curtailing every
other element of expenditure rather
than cut down the payment of the
life insurance premium. This is
precisely as il should be: because there
is no duty SO sacred as that of provid-
ing for the future of a dependent
family, and no time so forcibly
suggests the imperative necessity of
this provision as when other interests
are feeling the impulse of down
ward movement, and other values are
shaken and uncertain.
In adopting precisely this rule of
conduct, the most progressive business
lidll oiIOMS NildD llt 10 ltNtl-utdutu.
and that the interests Of widow and
orphan can safely be entrusted TO his
| care,
From many considerations akin to
the foregoing, we are led to the in
eyitable conclusion that in the
| judgment of that class of men whose
Judgment is most to be relied upon.
life insurance ranks not as a luxury.
but as one of the everyday necessities
Of life-a necessity which they must
make sure of providing, even if they
sacrifice other interests and many of
their own understanding so
| essential TO their own happiness.
peace of mind, and quietness of
conscience, that they would not sleep
soundly unless they knew that the
life insurance policy was safe beyond
any peradventuFe.- Guardian.
Perhaps it will be of interest to the
readers Of the JOURNAL, both insured
and uninsured, to know the amount
paid in River Falls by the Wis. Odd
Fellows Mutual Life Insurance Co.,
one of the most reliable in the
country. This company is just
closing its Goth year and during that
time has paid out losses in River
Falls as follows:
Us. McKune-died June 18th, 1877.
Insured 43 months; paid company $50;
received 81 GOO.
b. +. Pierce-died Nov 9th, 1879.
Insured ITO months; paid company
500; received $1,000.
G.. w. McKahn-died July 13, 1889.
insured 10 months; paid company S9l;
received 81 900.
Geo. Thomas-died Nov. 18th, 1892.
Insured pa months: paid company
$3.50; received $1,000.
T. f. Tubbs-died Jan. 2Sth, 1894.
Insured 246 months; paid company
$66S; received $1,000.
Mrs. G. +. Roberts-died July 9th,
1894. Insured 10 months; paid
company S4l; received 81 200.
This makes an aggregate of $4,000,
costing the insured $1,659. The pop
ularity of the company and the con-
fidence of the public in it is shown by
the rapidly increasing membership,
the month of Decem Der, 1894, showing
a large increase over the Decem Der of
several previous years.
w. =. MARSHALL,
Cpaeia1 Anf Pivar Tolls