The Seattle post-intelligencer. [volume] (Seattle, Wash. Terr. [Wash.]) 1888-1914, 1899-03-01

such Plans made to look desirable by vari-
Gus devices. We ask every man who has .
family to protect to carefully note what Is
the real purpose. the true motive, the true
ance, and the manner in which the Con-
necticut Mutual illustrates these things In
Its business.
The Real Purpose of and True Mo-
tive for Life Insurance.
When a man marries he makes his wife
practically helpless and dependent upon
himself His children come into the world
utterly helpless and dependent on him. He
has created, OF his own free WILL helpless
and dependent family. They depend on
him for protection against their need and
their helplessness. Society looks TO him to
protect it agains. the helpless dependence
which he has created. BY every obligation
which can appeal to unselfish affection.
honor. and conscience. he Is bound to pro-
tect his family against the helpessness
and dependence which he has imposed upon
them. and to protect society against tho
has made it. And this he does. ordinarily.
by his own productive labor. While he
lives he works and earns. and his earning
supplies the family's need and Is their pro-
lection In their heiplessnesS and depend
ence.
But his life Is not certain for an hour.
His family are under the constant risk OF
losing II and all l, does for them, and OF
being left still helpless. still dependent.
with the protection gone 1t is this con-
tinued risk which he has put upon them; II
Is this unprotected helpless dependence to
which he has exposed them; IL IL against
this which he is therefore bound to protect
them. He is bound to provide at once and
TO have always ready q sufficient substitute
for his earnings after he s gone.
There Is but one possible way TO do all
this. Thrift and saving alone cannot do II.
If he lives long enough and saves, he may
pose. But that Is as uncertain as his lv-
inc 10 earn the daily bread. The family's
risk js now, every day. The effect OF saw
ing and laying aside in ordinary ways 10
far of in the uncertain future The family
needs instant and constant and full protec-
ton against an instant and constant risk.
They can have Il in but just one WY. the
man must take OF his savings a sufficient
amount and use II as a life Insurance pre-
MUM. His small annual saving 50 usad
will provide instantly and constantly the
protection they need and which he can fur
nish in no other way. Therefore he Is bound
10 use life insurance for their protection.
That Ia the purpose OF II: that is the one
thing II can do that nothing else can
There is his only true motive in II: an ohli-
cation which has no alternative except he
denial OF duty to ttosc he has made help
less.
To the perfect accomplishment OF this
simple. single purpose and result shond
every incident Of TIE business b. adjusted:
It's every dealing with the husband and
father should be informed and Inspired by
the high motive which moves him 20 invoke
i,s indispensable aid for the instant and
effective protection OF those whom he must
but canno. otherwise protect
IF II ~ his clear duty IN use life Insurance
then II Is the clear duty OF thos. who adj
minister II 10 make that use as effective az
possible 10 its true end: to give him ts SIN
cersst simplest best help, at It's least pos
shle cost. and With an eye single to the
faw5Y's uoas corrrs'ffe protection
The Purpose and Value Of Mutuality.
Because life Insurance IL the one and only
way In which men OF moderate or small
mean. can at once provide the necessary
family protection and because II II at the
cheapest n matter Of cost and pure ex-
penso 10 him who provides II. in order to
make IL ae cheap IA possible. and 10 as
largely available az possible. 70 all who
need H. IL 81 sought to give IL TO each
policy-hoideT al It's ere. actual cost.
The cost 81 life insurance rs due 10 two
things: The death losses and the expenses.
In calculating the premium Ia be charg
both these things are assumed. "a trey can
not he exactly f0rekno~n. II the Losses are
less than was ASSUMED, a part OF that eie-
nsnt of the premium II saved II the az
peases are less tran was assumed part
Of that element OF the premium IL saved
II more interest ia earned on the reserves
than was assumed, 5tlst 50 much more OF
The premium Is savtd.
II now these three sferrg of savings are
returned 20 the poiicy-helders I'm she PRO
portion tina, each mans payments have
helped produce them. then each MAJ W ii
company. no matter wha' the ner7inai pre-
MUM on BIS policy NAV be. He gets the
most Insurance possible for his money.
That IA what mutually does. That is what
Il is for.
True Mutually.
The Connecticut Mutual aims 10 make
,ais principle effective In It's widest seoge
and 70 it's highest degree. Nor only has IL
no stockholders 10 absorb these yearly say
iras as taeir profit. bat IL has no Tont!ns.
IL sestIeni, Or other special ella ses ~ pol
Icy holders with postponed or deferred sivs~
dend periods each man hoping 10 T.a4s
speculation out q The acEuasg a ell savings
Others may have 10 leave bshlnd them by
death or lapse during the period. Its y.sr.y
savings whether from a low 4aa h rate.
high rate Of interest, or = lew rate of eg-
psnS4 10 directly back 10 It's poi cy hos3-
ers In the proportion in which each mans
payments have exceeded the cost II his
risk Ia yearly dividends So that year ~
year each man gets his INSURANCE. a; its
actual coat 30 tho company and al the low
IS cozs which, by careful selections Of
risks. geGd investment aES economy in ex-
ssenses the management L. able 30 SECURE
No policy holder gets LIE sasings made On
another mans policy. No polscy loses tls
savings because OF the death D! the in
x4sr<d Ills Gaetrga ara RAID ~ nal.