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Life Insurai An Econ? (By OrvUlo Thorn. Before N. A. l>. U. at San Francisco.) Economics relate? lo weulth, and -wealth pertains to valu?* which aro transferable. The three primary agents in tho production of wealth are land, labor and capital. In every enterprise there is a fun damental principle which ls vital to its existence. The attainment of pow er is the high aim of thc Individual. No mau eau attain bis maximum pow er until he makes use of tho prin ciple of economy. Every mon who produces more than ii? column)..; has a life of monetary value to some one oise. Ilegal reserve life insurance offers to tho young man un opportunity to manage wita frugality the earning va lue of his life. By enabling bim to do things, otherwise Impossible, it gives hin. the nucleus for tlie build ing of an estate for himself. By virtue of this ownership ho becomes a better cltiz.cn, looking forward to larger business interests. Starting in life with the firm financial founda tion which the possession of n sub stantial life insurance policy gives bim, the young man caa, withstand financial stress aud financial storms, because he is well grounded on a fi nancial rock. i since the entire business and social fabric of our people depends ultimate ly, for finance, upon the young man, be umist bu started early In life on the road to success and be helped to en- , large, and tsrenther. his earning abili ty. It becomes a strong economic force In the Hie of the young man when for unselfish reasons, primarily, he lays aside a definite sum for future contingencies. The payment of his | first premium ls the beginntag of thc ! ? ri angelia nt of his work toward a de- ' finite purposo. This knowlege and ' the conviction that he Is building safo j bulwarks for himself, gives his con- j fidence, self-respect, initiative to dare i further, and serves gencially to ?nuke j him a Btronger producer. The forming of an caTly habit of ? systematic saving, inch the mainte nance of a life insurance policy re quires, is an imnortant clement in the coservation of tbiO products of labir. j This habit will prove to bc a veritable 1 asset in lator years, assuring self- . support In old ego. Thc hab't of BSV- ' ing is itself an economic force. "It fosters every Mirtna teaches sclf-dc- '. nial, cultivates tba sense of order, trains to forethought, and so broadens tho mind.." Man's lifo valuo is frequently tho eq.'dvalent, of large capital, but con sidered alone, it is not in a f.?rm to rcrider him any service, or to assist him in producing greater wealth. NO R The FARM We ar? If the pric< If you tice As amie Force Hero life Insurance is of muc:i assis tance. For iUBtance, a ?ian :i.r> year? uf age with an earning capneity of ^2,000.00 per year above family ex penses, baving -.ni expectancy of 'M year? according to the American Ex pel lenco table, on an n&mmed inter est rate of 5 per cent, has a life value of $:!1.184.O0. But he can't utilize a dollar of this future life value to ausist him in creating additional woalth. or obtaining credit from the bank or the individual lender. The chance of dentil destroys the entire security BU J reduces a valuable asset to an uncer tainty. Today his life value is worth $.11,184.00. Tomorrow Jt may be but a memory. With life insurance, this intangible value becomea concrete, for the In sured has ineomporatcd his life, capl etal into a life? value stock company with all the stock issued, fully paid and non-asaessahle. With such de sirable security, he can borrow mon ey, from new Hues ol business, and contract obi!, ations for future matur ity. The haz.-.rdous element is elimi nated from his life. Ile goes forward with new spirit, is clothed with great er power hecause he has added to bis labor, capital, the result of which is increased wealth. When under contract, men will meet obligations which, otherwdse, might bo obligations whilic, otherwise, might be disregarded. Most honest men ure plan well but execute poorly. Then, he who really provides for the future of t?B family is tho noni who places himself under contract aufllcient to safeguard ita equity in his lifo. Eco nomically, lie preserves to lils family the value of his earning ability. Legal reservo lifo insurance inspires faith nnd confidenco on the part of the insured because it in void of specula tion, being constructed on a scien tific plan. Since every phase of Hie business is conducted along safe and conservative lines, aud every provis ion ol' its contracts is based upon un questionable facts, it stands for solid ity and permanency. Being aggres sive, yet conservative, and absolute ly safe, it is profitable to the 'nsur cd. High In ita aims, true u, its standards, extensive in its benefits, exalted in its very nature, its influ ence for good citizenship, besides tho porsoual gain to tho individual, is far reaching. Lifo becomes a driving, pulsating, irrcBtiblo force which leads him to create products of value. His mission broaelcns and his character is remolded and tempered by tho influ ence of tho distinctive qualities and cconrrinlc principles of life insurance. Great achievements ol individuals may bc traced to the foundation source of family soundness, and tho EASON ER ought to get a z prepare? COUNT of th 3 continues below tl the marl wish to avail y some of th? ZENS. Nr J Austrian Oil 1 wealth of nations ls founded around j tho hearthstone of nure and noble domesticity. Thu broad winner ami ! the bread-saver are thc two pillars upon which rests tho real responsibili ty of family existence. Thc benefits of life insurance accruing '.o them serve as an economic force, the bound less result;: of which it would be dif ficult tf) estimate. Tho family unit and nome aro vir tually synonymous In social progress. Manifestly, it is better for the family that it owns tho house in which it dwolls. "A man's house is his cas tle." Ownership of the homestead means much .toward tao well-being ol' the family. Persona! inter..:t ls fal tered and home ties are strengthened tlie result of which U greater lovo and affection in thc home. However, in many cases, ?ince it wou!:! bc neith er safe nor wiso lo create u debt lu order to own a homestead, thc hus band must depend upon accunrulatins BufHcient capital, saved from, his in couic. to buy lt. This frequently necessitates a long delay willoh operates against family efiiciency. Uut, life insurance helps him tb change uncertainty into corr talntyT Hy it?i uso ho can saf-.'.y create a debt against his future earn ings, for this much needed asset. The purchase eau be made and a mortgage given to secure th ct obligation which can be paid out of thc husband's fu ture Income. Should he die before al! payments are made, the Insurance money will complete his contract am! retire tho debt. This makes lt possl i hie for the homo provided to achieve TO Si Wai for his < and we d to loan IP enough eir 1915 ie cost of productio: :et With thik idea ourself of our i officers of thc ITIONAL . H. ANDERSON, Pres MEMBER fair price Wells Fired by Rut Bv??v\ ? 'V-,.1-' .,. ,' .that which ia vital to tho houri ol every citizen, a permanent hoinoateaJ for hi.-, family. In the same bene'kial way. the fariner? and jjtock raisers throughout our country can, and need lo. employ lifo insurance to assist them in buy ing and improving farms. The foun dation of a nucleus for making a fam ily independent or a home perniancut, results In conteutmci.t fostered hy an absence of fear, and intn pidity born of a sense of protection, which trains fpr hotter, more usii'u! ami beneficial citizenship for tho community, the tinte and tho world. Tho desire to make th" world bettor, wii'.i loss of sorrow and distress and more happiness, for his having lived, is the groat human forte that ?3 en couraging mau to protest his Inco?is with life Insurance. Quality is the warn in the cloth of lifo. 1; is the culture, refinement and worth in character. Its attainment forms one of tho definite clements in our contribution lo humanity. In the evolution of our race, it determines whether or not wo have been failures, lenving behind ua trails of disappoint ment, sorrow, nothingness. Through tho operation of lifo in surance, the" complex prob'emu of child welfare, child labor and juvenile health, mental, mor;:l ami physical, are being materially untangled. Voting life 1B shielded and bereaved mothers are enabled to maintain the family units, thus perm\tin<; the young lives to develop normality. A r?cent census cf the pnupem in ono Philadelphia almshouse showed r or no ^ cotton. We have b are glad to annoui L the FA] L money to cotton ere n, we do not think tl in view we have pre services we wc ? bank whenev BANK ( ?dent J. 1 FEDERAL ?IESEE mans on Retreat hat out of 1,110 rases there were on y three w iio had boen beneficiarle.? >f life Insurance, and these, through inprovidence, had lost all. In auolb ?r like institution. of l'.IO eases ob icrved, lhere wert! none, if, through life Insurance, tliese publie lnstftu ions ari tinnily eliminated, not only will there have been saved to the ?talo large funds tor progressive do rel?pmcnf, but the .standards and al.us jf citizenship will be rulsed to sturdy Independent advancement. I'ndei these conditions the aggressive thru :y, productive man will no longer' isvo hJ?j earnings taxed to maintain public almshouses and to protect obit Serious contracted by others. Inusmuch as the Intellectual lifo nt \ nation ls tho acumen which \ivlflcs Its Individual and International un ler lakings, which inspires Us several ac complishments, und secures Hs pro lier place in history, it 's paramount that her children, her lu? nc ci Lite ns, receive every advantage Willoh educa tion can give them. It is only Just that they shout 1 enjoy ti;;; bciuttlos, science und life, it ls their right to know and becauso they know to do, and because they do, to bc something in the wopld. It is the euligal cued mind which sccs clearly, judges truly, and executes surely, that is the hope of the nation. Here, again is tho institution of life insurance a boon to humanity. It aids In providing education through funds left by deceased parents, being used in tho schooling * ot bereaved children. By tho use of Ms life in surance policy a? collateral security. CE YO een working on tl ace that EIMERS ? prevent ; >p at 6 pei he farmer should b jpared ourselves to mid be glad to er it is conven )F ANDI I SHUMATE, Cashier :VE BANK From Galicia WlWHHH.il I Ilium1 IIB 'WHMfWELI : --rr-rr-; many a youth, strong physically, lian Loon obie lo borrow nouoy for a high er education. Hy pledging endow ments to educational institutions and thou Insuring their lives in order to make the gifts secure, many public benefactors have been enabled to per petuate ilia usefulness of colleges and universities. Ppr 21 rears, parents mid state spend much monoy in providing for and educating \ man. l!ut what if lie should die? Tue value of tills life would be destroyed. The partnership finn of family and state would loso itu investment. Though at tho cost of much personal sacrifice and money, they developed this gr'.'ut value, yet it is now controlled hy tho young mau, and they cannot, without his consent prevent the hazard of its loss. Hut ho, by insuring ilia life equal to his lifo value, cnn pr?vido against this loss, lt is clearly his duty to protect his benefactors slnco he OWCB them a debt or both money .aud gratitude. While capital und credit aro noces t.ary lo tho success of guy iUislne>ss, by far tho most important factors are good managers and loyal, skilled workmen. Tho pcr.*o<iul o?cment in every successful h'rm an endeavor, ii of gront value. Manage ra,1 bearii* of depnrtment* and superintendents of labor become BO deeply engrossed in tho very lifo of a business that they acid t!:e blisintiss boepmo practically one. T ie vnluo or mich service adds wealth <o the enterprise. Theso nlon generally become financially Intcrest ,vl in tim organization. Often their 'amlliofi depend upon t'nlB interest for ES UR CO ?Ul?uWlllIMtmiH'MII ? 1 lis proposition for of ANDI a. sacrifice r cent e forced to put his help you. have you conf ient to you. ?RS0N, ? iiipport. Whatever a (Tocia tho fin? viii iiccc?sarily affect them. Tho ives of such mea cannot bo replaced n the v.<>i',: without great loa?. The liusfjiess,, deprived of t|:<r knowl )dge and counsel, sutters. Tho firm, >y insuring these valuable HVCB In Its 'avor, con and should avert possible OHS i brough their death. About 10 years ago a very aggres sive, far-seeing man organized a ^rioting und olllce supply company, ile becumo tile life and motive pow r In the business. About two years igo. lie applied for and received poli llos ot life Insurance aggregating Mii2.000.00, payable to lils company. K'.'ccntly a serious illness resulted in ile death, lt was u great loss to tho luisincsB. The amount of the policies was paid into tho treasury of'the coni .? ?nv. All obligations were liquldat ?M? and tho business continued, Today lt ls prosperous and is u large asset Lo thc man's estate. Savings banks, truat and loan com panies furnish much needed capital for the activo demands of modern bus iness and agriculture, but by far the larger amount ls supplied by life In surance companies. Therefore, while the individual and the family, primar ily, ure thc recipients of Us benefits, the great agricultural and business world ls vitally concerned In Ita oper ation. There aro approximately x?, 000,000 policies providing Insurance of $.10,000,000.00 in forco hi the Unit ed States. Claims amounting to over $.?(;;?,000,000.00 are paid annually. As sets of $5,690,000.00 aro held by sill the companies against total outstand ing Insurance. Tais extracrdlnnry amount of money invested for Ameri can policyholders has become a pow er in tho accumulation of wealth and In solving the financial and economic problems of our American people. Tho lifo companies now hold real estato und far mmortgage loans amounting, approximately, to $1,750,000.00. und at least $2,000.000.000.00 in corporato stocks and bonds. As a business, lifo insurance shows greater progress during the pust quar ter of a century than any other Amer ican industry. lt ls reaching tho hearts and minds of tho people It is, therefore, of great economic value to our national life. The very princi ples upon which lt is constructed and operates, are of themselves economic. It strikes the heart of our national bolng. lt stimulates a sooner appre ciation and a Ix'Uer understanding of the universal economic and moral forces, which are so vital to tho pro gress and welfare of our people, our states and our nation. A Perfect Hight, A woman mounted tho stops of tho elevated station carrying an umbrella like a reversed saber. An attendant touched her lightly, saying: "Excuse mo, madam, but you are likely to put out thc oyo ot tho man [behind you." I "Well, ho's my husband!" she snap 'pcd.-Chicago Herald. TT O N i some time, 2RSON \ cotton on er with L C. i