The Kansas City sun. (Kansas City, Mo.) 1908-1924, 1915-12-18
THE PROPER AMOUNT OF LIFE
INSURANCE YOU SHOULD
HAVE

Nearly every colored man in Ameri-
ca carries a weekly policy. Fully TWO
thirds of the men over 81 are mem
bers of some secret order whose death
benefits are from SIS OTTO $500. There
are a very few hundred colored men
who have over $4,000 life insurance
in legal reserve life insurance COM
panies.
In fact, one insurance publication
said: THE amount of life insurance
carried by Negroes is SO negligible
that it is left out of all consideration
in this book"
This, too, despite the fact that the
total amount of insurance carried in
America amounts to billions of dol
lars, and every year the life insur-
ance companies of America pay to the
heirs of deceased Americans millions
of dollars in good current United
States money.
Even the average white nan who
dies leaves his family in better con
dition. Whatever else he has neg
lected he has been thoughtful of his
life insurance. On the other hand,
many well-to-do colored men die and
leave their families poorer than when
they lived. The average white mans
life insurance is $500. The average
colord mans is $3.50. The white man
begins to buy a home for $4,000; he
protects that obligation by taking out
the amount of life so that if he dies
before he finishes payment his fam
lily will not lose the place, nor will
they be forced to sacrifice everything
to complete payment on that home.
The usual colored man beings to buy
a home and Immediately declares he
is unable to carry any life insurance.
Then when the interest has accumu-
lated on his notes and it is really a
burden for him to pay these notes with
all his efforts while he lives, he dies
and leaves his family to pay them as
best they can, with no means left be-
hind with which to pay.
Somebody remarked there are very
few dead rich Negroes You know es-
tates crumble. You know how surprised
you have been when So-and-so died
and left nothing but a lot of debts.
Everybody thought he was rich while
he lived. His family lived and dressed
well. Apparently he had lots of money
and property. When he died it took
all his money and property to pay his
debts. He failed to PROTECT HIS
ESTATE WITH LIFE INSURANCE.
/ He rniohf haun Eanf On hafnn nrngnAr-
Gus if he had lived, but he failed to
leave anything in his place at death.
A few thousand dollars in immediate
cash, such as a life insurance policy
provides, would have saved to his wife
and family the estate of many a man
who was rated as rich while he lived.
You know of such a case in your
own community. Have you ever
stopped and seriously thought OF
YOUR own affairs? Are you as well
protected as you should be? Today
you are sound and well. Tomorrow
accidents are frequent and deadly. How
would your affairs look if put under
the microscope of the administrator
or receiver? George w. Vanderbilt in
sured his life for $1,OO0,000 when he
first began building his famous Balti
more estate. He was a rich man, but
he wanted if he died that there should
be no lack of funds to complete tbs
project. The Great Boston store o.
Chicago is the result of the half mil
lion Charles Netcher left in life in
surance.
You need every dollar in life insur
ance you a carry. We a protec
you, no matter where you live, IL
amounts from $3.50 to $4,000. The cos
is negligible compared with the protec
ton.
STANDARD INSURANCE CO.,
T. A. ROSS, Supt.
1907 East 18th St., Kansas City. Mo.