Evening star. [volume] (Washington, D.C.) 1854-1972, 1906-10-07

| mad an armful. And L went carefully
through it, booklet after booklet, with
occasional side-fights into Mr.. Smiles
and his Thrift"
For a first confident matter, I dis
covered that Life Insurance has been
| brought to a science. Every chance has
been measured and accounted for; every
last possibility eliminated of the company
breaking down. The process of Life
Insurance, as practised by The Prudential
| for example, is mathematically exact,
| and as certain in its results as two and
two are of making four. Given a policy
plus death, the death-loss is paid, and that
promptly.
True, my doubtful friend all things of
this world are liable to fail or to fade.
Crowns rust, thrones decay, and the
sponge of time wipes nations from the
map. And yet, as men use the word, such
companies as The Prudential are sure;
since they found themselves on invest
ments that are as the blood and sinew
of the country The government must
fall before they fall and the policies
they issue, and the promises they make,
have all the vital enduring qualities
of a government bond.
In broad way, the thought behind
Life insurance. found this out as l
read my 1iterature-is readily compre-
hended. had seen the Hanlons in their
daring flights, over the heads of theatre
audience, from one swing to another.
In its raw stage, the "act" lay wide
open to peril. The flying Hanlon might
fail to connect; he might miss his clutch
at the swing, and come tumbling, to
break his back on the orchestra seats.
AS closing this door of death, the Han
Ions always did their ''act" over a net;
then, should a Hanlon fall, his safety
was made sure.
Life Insurance was the Hanlon idea
over again, with the policy acting as the
net. The natural risks of existence
make every man Hanlon, with the added
drawback that, in his flights from swing
to swing, he must take wife and childrcl
with him. His risk is bound to be their
risk. And SO, being a prudent Hanlon,
owning enough of loving forethought to
bear the welfare of his family on his daily
slope of thought, he takes out Life In
surance, and spreads that net of safety
between those he loves and a poverty
that might destroy them.
beng by thlS time thoroughly con-
verified to Life Insurance as theory of
good, began to read over what proffers
were made by the Prudential to the
would-be policy getter. There were,
found, the whole Life Policy" the
" Limited Payment Policy" the 'Endow-
ment Policy" the intermediate Policy"
the Guaranteed five per cent. twenty
year Insurance Endowment Bond" and
the Five per cent. Gold Insurance
Bond Policy" These policies, being one
and all of the sort termed straight Life
Insurance, were aside from that Industrial
Insurance which the company offered, and
of which it conducted a larger business.
This Industrial Insurance, by the way,
is most important, as opening path of
safety to the wage-earner.
Running these proffers over in my
mind, from the Whole Life Policy
which is the old-fashioned, heel-and-toe
method of insurance, whereby one pays
his premium of SO much per year while
he lives, and his family receives the face
of the policy when he dies-to the Five
per cent. Gold Bond " plan-which latter
struck me as an admirable Savings-bank