The Fargo forum and daily republican. [volume] (Fargo, N.D.) 1894-1957, 1914-06-29

life insurance agent. They need to be
old more about the business, and
they need to be. educated through the
medium Of an institutional article
which is entirely ~educative, and not a
selling campaign reading between the
lines.
Pride and independence must be
rsckoned with in every human being.
The people of the United States are
more interested in education and
training for efficiency to the end that
they may be Of value to themselves
and to the state, than they are in any
scheme of outside help which does not
call for the exercise OF their own brain
and muscle to make them self-sup-
porting.
The people are more interested in
opportunity for industrial freedom and
the exercise of equal business rights
and in earned rewards through bonus,
or proht-sharing system, and old age
incomes from the ource for which
they have labored than they are in
any paternalisttc plan on the part OF
the state or through the medium Of
swollen fortunes. The people of the
country, as a whole, are anxious, in
fact their pride demands, that there
be a direct connection between the
sweat of their brows and their sup
port, including old g when active
employment nus cease.
THE people, all the people, should
be taught the pleasure of creating
something of value, and of earning
their W support through habits of
industry n directly applied energy.
They should be shown the wisdom
or habits of saving and the necessity
of providing for unforeseen events and
their old age.
The people of the United States
waste SO much each year that any es-
innate Of the amount. measured in
dollars, would be only guesswork.
However, the waste, including time
wasted, probably equals or exceeds the
total value of their production. The
principal sources Of causes of waste
are loss of time. unscientitc methods,
waste Of raw material and finished
product, extravagant expenditures,
Jack of conservation of natural re-
sources, lack of conservation of hu-
man life through inadequate safe
guards against accident and in rre-
ventton of disease, and finally, the
lack OF conservation of human life In
not carrying an adequate amount of
ire insurance as an offset against loss
oy deatn, or as a substitute for the
cessation Of earning power at the be-
ginning of old age.
"The most important co~nservat ion
problem before the American people
is h conservation of human life,
There are some phases of the conSer-
Walton of human life not embraced nv
or connected with sound life insur-
ance, but there are a great many more
important things involved in life in
surance which are fundamental in the
realize.
This bureau is an institutional
movement Prompted by legitimate.
practical business motives and an al
truistlc, desire by the leading agents
of The country to render more eficient
service to the public at large, and Ia
create a better spirit of understand
ing between the people on one side
n NE insurance on the other.
Life insurance has not been prop
erly understood in its economic and
oeneficent relation to the people. 1t is
IN reality the conservation Of human
life. The public, and all too MANY
agents. have not understood that an
individual commercially speaking, is
In reality only a human machine, and
rrail one at that, and as such has q
dennlte put perishable value which
must be insured against loss by death
or wearing o in old age.
To small a percentage Of life in
surance agents themselves recognize
that they are called to a work Of large
Import and have the opportunity I'd
render a great service to humanity. "A
life insurance agent who does not un-
derstand the economic application 81
what he is doing, and rise to its pro-
fessional attainments, is a positive
~detfinent to the business. The life In.
%surance companies are as babes II
the woods In the method of appointfna
and training agents, and the state
are equally as lax and u%nscientific IN
licensing the agents whom the compa.
MES appoint. The proper and ADEQUATE
purchase of a life Insurance. policy Z,
the care and selection of an indiyidu.
ual's insurance over a term of year.
lcalls for a professional service. per.
sonally rendered by a trained individ,
ual possessing integrity and intelli.
gence of the highest order.
There should be a uniform stat,
law requiring an examination to ties
the knowledge and fitness of every an
plicant for a license to- transact TIL
life insurance business.
"A tax upon life insurance, aboy
the cost of state supervision, is a ia,
upon thrift and economy, and q direc
discrimination against funds intende,
for widows and orphans, and Is not
tax uron a corporation. but upon tn
individual who pays the premiums. o
! his beneaciaries,