The Detroit times. [volume] (Detroit, Mich.) 1903-1920, 1913-10-03
Putting Lite Into
Lite Insurance


meet his engagement with the Ma
tional Association OF Underwriters al
Atlantic City, In September. on &C
count of illness, but he sent on his
address to be read. Mr.. Hawkins sub
ject was Putting life into life insur
ance."
1t Is apparent from the impression
the paper made upon the underwrit
ers that the author put plenty Of life
and originality into his theme.
After Dramatically touching up the
association for the archaic methods
OF insurance advertising and sales
manship now In vogue, Mr.. Hawkins
closed in striking homiletical strain
as follows:
| In every life insurance there are tvs
risks-one Is on the man: the other IL
\ on his life
A man may be physically all RICH,
| and yet not be a good risk, because
| otherwise he Is all wrong.
When a man Is wrong the chances
are against his living out the number
| insurance tables.
| A building may be absolutely fire.
proof in itself, and therefore a most
excellent risk: but the tenant In this
| building may he engaged in manufac'
/ turing an article that Is highly IN
fiammable or explosive. and so the
risk as a whole ts rendered very un-
desirable one.
The human body Is not unlike a
building or a house.
| There is tenant inside.
The body, that Is the house. may be
all right. but the tenant occupying tho
house may have some careless or per
haps vicious habits which are con-
| stant menace to the body. and which
render the Insurance on his life poor
| risk.
/ When IL comes to insuring the body
the house In which we live-almos
/ tlemen represent Will, for proper
yearly premium. take the risk and
issue the policy.
to write up Insurance on the tenant
who lives inside this human house.
Yet you do not ignore this moral
hazard.
The fact is-the tenant In eaef
| human body must and should carry III,
own individual insurance.
He must take out policy by him.
self: with himself and on himself
This kind OF individual life insur-
ance is as old as the race.
! II began with Adam. and 1t will END
/ In Eternity.
The Ten Commandments. the Lord.
Prayer and the Sermon on the Mount
/ contain all the law that can be found
in library of FIVE thousand volumes
state or any other-political civil. OF
criminal--the genesis and inspiration
of which cannot be found in the Bible
! 1t has been well said that The man
| the Ten Commandments will acquire
| an uprightness of character and stead
fastness OF purpose attainable in no
! The Lords Prayer contains in its
| cry sentence something that refers
TO human experience and meets human
! needs.
In the Introduction to the Sermon
on the Mount, I'VE are taught humil.
ity. sobriety mercifulness. and pur'
ity." In the rest Of the Masters grea'
of the moral law expounded and illus
trated. and by its use we are enabled
to understand more fully the meanini
| OF the Ten Commandments
The Ten Commandments. then. wer,
really the first laws ever enacted will
respect to insurance OF life.
They are written into every polio,
He does not play the true part VIII
does not know this to be true.
The best policy. therefore, that
out with himself. based on the Mosai,
self-insurance plan.
The Decalogue suggests the ques
in9 as =" eaTefuiiy ASK and ns tsnthfniw n,
though he were filing out an applica
ton for a million dollar policy In one
OF the largest companies.
He should take out this policy know
ing that II ne violates any Of Its
terms or provisions. there is an auto
matte cancellation without notice. an
against his family, as In fire insurance
-as a matter Of fact. many Of us from
our habits Of living. would seem tc
need policy Carrying a fire clause a
a NJ oh 80 - ov, IL 80 Co. 4, ~
after.
Some Of the questions suggested I,
he answered In an application for tn
What Is first In his life?
What Is the right way to live each
What are. the gods of this man.
How much time does the tenant ir
this body give to the Improvement Of
7 10 ne spending all his time ant
which ne lives. and nesIecting the
moral, mental and spiritual health?
ls he clean in thought and life--is N
honest. truthful and charitable?
and that Of othersr
Some OF the special features of thI,
policy are az follows:
as they are due they will be charged
dren.
Il Tney Will nave TO settle, Unto the
| third and fourth generations.-
They will be all their lives paying
your neglected obligations.
II you keep up your premiums Of
right thinking, right doing and righ
| living. your children will receive a
priceless endowment in the form OF
sound mind In a healthy body and the,
| annuity in the form Of an inspiring
influence from the memory Of life
well spent.
This self-insurance policy also hal
! endowment features:
| You will reap many benefits In a
peaceful and well stored mind and
a healthy body before the end of
your life.
| The fact is--this kind of a policy
always combines the endowment with
/ the straight life.
| There IL another feature In this
L policy NOT to he 0Yerl00k Adj haa