The Minneapolis journal. [volume] (Minneapolis, Minn.) 1888-1939, 1905-12-23
Some Of the Arguments that Men
Employ Against Taking Out
Policies for the Protection Of
Their Families in the Future.
- ~ ~ -. III . q. 80 ~
AS A RULE, BASED UPON
MOST ABSURD FALI.ACIES
Why the System Of Life Insurance
Offers the Most Absolute Pro-
lection When Other Forms of
Investment Are Uncertain.
az HERBERT vANDERHooF.

It is an experience that every life in
surance solicitor IS at some time or an
other called upon to undergo that the
men Of the best intelligence on business
matters and affairs in general display the
greatest ignorance and denseness when
it comes to the question Of life insur-
ance. LII
If this ignorance was Of the passive
form, as rule, the lot Of the solicitor
would not be as hard a one as it gen
class of persons is, however, that their
lack Of knowledge upon any topic takes
the combative phase-they will attempt
to prove their perfect aequalntant;c nee, WI" IN
absolute ignorance; Of the person with
whom they may be arguing.
These are bard men to insure, and the
frequency with which they are induced
the good temper and ability Of the So
licitors One of the stock arguments Of
this unthinking class is: ~ -.- w.. -
why should I take out policy
Why should I pay life insurance COM
pany a, certain sum every year to insure
my life? If the company can afford
to take this risk and: make money, as
they all do, can afford to take the
same risk and at the same time have
the use of my own money. I am fully
as able to take care of my money as the
insurance company is, and If live TWEEN
ty years, which is what your company
lis willing to take a risk that do, I'll
have as much money as If I had taken
out policy" .a. a.. e..-..'
sons is that they look upon the business
of view. They assume that the business
is a gamble pure and simple, and that
the only way they, can beat the game
is by dying, But even by their own
Ia f1@nxy M ~,
entirely eliminate the element of chance
as regards them selves, and base their
opinion upon their own infallibility ro1
Judgment - .-.
Most Sacred Of Obligations.
never be entered upon money max
ing proposition. It is one OF the most
sacred obligations that rest upon every
| man to take care that those he loves
are not LETT destitute after his death
No man can afford to ignore the fact
that death is liable to come at any mo.
ment The strong, healthy man is just
MeaR a s9 be Gecnta
In the second place. no man can afford
to insure his own life unless he is many
times millionaire and even then i
IS a bad proposition Riches are APP
llonaire Of one week is the poor man o.
the next If he has been wise in hi.
days of prosperity, he has placed the
future Of his family beyond all vicissitude
by. the insurance he has taken out, ant
can then afford to take; his reverse
philosophically. ,>- ~ ~ .
But no man can afford to take Thu
| risk upon his own life simply becaus,
the life insurance company can do s.
| and thrive. Life insurance IS scienc
! which has been built up to its presen
magnificent proportions by years Of eA
perienee. An insurance company does no
insure one man and bet that he is goin
to- live so many years. It docs know
however, from its experience, what tn
average duration Of life is going to b
among a thousand men. and its premium
rates are based upon this average NOR
tality. A certain percentage of this thou
sand will die every year, but 1t is beyon
the power of human agency to say VIII
will be the Victims
In the third place, how many me
are there who are capable Of investin
their own money and not making rn
fortunate Investments? Not one man !
} a thousand Even il they leave thei
: money in a savings bank where 1t wi
have nothing to do but gradually increas
: through compound interest, who is goin
to assure the stability Of the bank? FIo'
often is it that the savings bank goe
under and with it the accumulated sax
ings of thousands of people? How muc
is ever realized from such wrecks
Very little. 49, ,"*@',' .