Evening journal., 1916-02-02


Fund, and that in any instance the
insurance that might be placed with
such a fund should be limited to the
minimum only He added:
j Moreover, the educational effect Of
compulsion applied to our millions
of wage -earners will be many times
greater than all the efforts OF edu-
cation by insurance statesmen. COM
panies, newspapers. associations,
schools, and universities combined
The initial required amount OF in
surance will cause the policyholder to
realize its benefits, thus bringing him
into the market for additional insur-
ance which will rebound to the bene-
4 fit or statesmen and companies. The
plan would. in the course OF two dec
AIDES, treble the present amount Of life
insurance carried by the companies.
The plan Is also warranted in that, If
life insurance is required of all work
ers with dependents. the present levei
of wages must automatically rise to
pay FOR said required amount, thus
placing the insured in as favorable a
position for additional life insurance
as he previously was when he carried
no insurance at all. Industrial in
surance is clear proof OF the great
educational value OF insurance among
lwage-earners since the evidence
clearly shows that many who carried
merely burial insurance come into
the market for ordinary insurance as
soon as conditions permit. AT the
lpresent time the wage level is such
as not to regard life insurance as an
item in the family budget. yet It is as
essential as house, food, fuel or
clothing"
Executive Committee Reports.
W. W. Knox. OF the executive COM
mittee. reported as follows at the
business meeting Of the association;
"The-Executivo Committee reported
that among the notable achievements
OF the year 1916 was the beginning OF
addresses and lectures on life insur-
ance concerning which the Commit
tee on Education and Conservation
will report more in detail.
"The adoption OF a bill by the Del
aware Legislature omitting from tax
) alton that portion Of premiums re-
turned as dividends. was noteworthy
advance
"The association was interested In
4 anti-rebate legislation and bill au'
thorizing the insurance commission
n TO pass upon applications for agents
= licenses. II did not give It's approya
r. 10 these acts, however, on the GROUND
that too drastic, and they were, no
q passed
y "The association contributed $50 t
- the national association for the Cam
o paign Of Education and Conservation
70 "The committee urged that al
e members send in statements Of theii
{ financial experiences as insurance
statesmen 10 the National Committed
{ on Salesmanship. which comprises
D Ernest J. Clark, Millard W. Mack anf
e j. J. Jackson The object of this
= study is to ascertain where success
Q full insurance agents come from. Any
s one acquainted with the problem o.
2 building up an agency force Will rea
Y lize how invaluable such information
r will be il It will simplify that preb-
e lem
r For the ensuing year the commit
tee urged the increase in membership
s sought by National President Edward
r. A. Woods Let every member worl
G to bring into our fold every STANDARD
r agent in the field, for this would lea'
,, to the inevitable result OF a bette
d professional spirit among the agent
and better service to our clients tn
+ public.
8 conservation and Education.
d Messrs. Palmer, Sheppard an
= Hughes. comprising the committee o.
Il Conservation and Education, reporte
7 as follows:
'f "The Committee on Conservation
e and Education. or to use a shorte
II form. on Publicity. reports that th
n efforts OF the association TO have lee
4 lures and addresses on insuranc
l. presented in educational institution
y finally bore fruit in the year 1913. ;
m many months elapsed between on
s. first knocks on one OF the education'
N doors and the opening Of that ponder
{ Gus thing that we had almost despair
IS ed OF a favorable response TO GU
le knocks When finally we were ac
D. mitted and our speaker addressed a
Ir interested body of students on tn
te principles OF life insurance. we al
Of prehend that there was surprise ths
a. we had not attempted toN sell theI
sd all policies. The head Of tho inst
at tuition spoke to me as If II was
ed real treat
40 "The incident illustrates the i'm
r portance of making our educaton'
es purpose clear when we propose
nt violate venerable traditions.
op 'sThe activities OF the committee 81
r cured an address by Frank Sheppar
* at the high school. on March 20. an
G. lectures at Delaware College. Apr
d 23 and 80. the speakers being Pro
to 5. $. Huebner. on "The Family an
e, Business Uses OF Life Insurance
,h and Ernest J. Clark. on "The Fiel
Is. and the Agent" I'm connection wit
H. the lectures. Mr.. Palmer. OF the con
IL mittee. gave a preliminary tax b'
NJ fore the students.
no "Ail these addresses were givel
n soodlv space in the newspapers, wi
have been most liberal in their trea
O. ment OF the association. The con
fe mittee takes this occasion to than
n them for the excellent public spir
ie inns displayed towards popularizir
i'm tho great institution OF life insuranc
nc ain the course OF the year, NJ
IL Hughes. of the committee. gave az
is dresses on insurance before sever
C. organizations.
is Another phase OF the publicity h'
IL been the use by our newspapers