Evening journal., 1915-04-24
PICTURES benefits
OF LIFE Insurance
Professor HuebDer Lectures
to Students on Its Family
and Business Uses
WOULD ASSIST BOYS
THROUGH COLLEGE

THE Family and Business Uses Of
Life Insurance was the subject ably
presented in Delaware College ora
tory, at Newark, last night, by Pro-
fessor S. s. Huebner of the Univer-
sity of Pennsylvania. AS the guest
of the Delaware Association OF Life
Underwriters, DR.. Huebner had been
entertained at dinner at tho Hotel
dupont. in this city, and the trip to
Newark was made by automobile. In
the Wilmington party was President
William w. Knox, Vice-President
Frank c. Hughes. Treasurer r. Blair
Ely and Secretary Charles B. Palmer
of the Delaware Association; George
b. Bishop, Aubrey Vandever, George
ID. Kelley, Jr., Fred c. Mccall, James
L. Todd. John j. Dougherty, Frank
Sheppard. Arthur WilmOt. James C..
NanTrump and others.
Dr. Huebner was introduced by
Professor S. c. McCue, of the Della
ware College faculty. and won the
deep interest of his hearers by his
exposition. In considering the family
uses of life insurance he announced
the principle that life insurance is the
only known method by which the
value OF a human life can be capital
| lied. Thus in the event of death life
insurance perpetuates the earning
capacity of the life for the benefit OF
! those dependent upon il. In the ma
/ iority of instances life insurance is
! the only recourse open to the man of
moderate means who finds Il difficult
or impossible to accumulate a savings
fund for those dependents who may
outliye him. So life insurance
changes uncertainty into certainty
and is the opposite of gambling Tie
who does not insure CANDLES with
the greatest OF all chances, and, if d
loser. makes those dearest to him pay
the forfeit
The speaker considered that life in
surance is an indirect force in the
production of wealth, in that II re
lieves the pOlicyholder holder of wOrr!
and thereby increases his efficiency
He was satisfied that in his own eX
perience his life insurance had re
suited in tangible increase i'm his in
come. through the elimination o.
worry The average policyhcldor vii
eat better. sleep better feel bette
and as a result work better, on ac
count of having insurance.
Life insurance was also shown Il
be one of the best ways of n,aknl
saving possible. Dr. Heuhner mex
presented the aspect of the bushes
uses of life insurance. showing, how
ever. that there is a close relation be
tween family and business insurance
as the owner OF a business conduct
1t primarily with a view 10 supportin
a home.
The advantages of family insurance
such as freedom from worry. increas
i'm initiative, and so forth. viii pre-
dUce a very wholesome effect upo
the welfare of the insured's business
and business success means. as a rul,
family happiness and contontmont.
The function of life Insurance &
indemnify against loss through tn
! death of officials and valuable EN-
ployes was emphasized. as was ais
its use in hedging bond issues. On
Of his most important points was it
> use in assisting boys through colleg,
: his suggestion being that the neces
sary money for this object be borrow
ed from a patron who would be Pre-
tccted by a life insurance policy. Hi
deemed this far superior TO the pra,
tice of boys working TO support then
selves while in college. because the
D we're unable to get the full benefit {
, the college course if their time wa
: divided