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PRESIDENT WILSON SAYS V'jj* A MAN does not provide for his chil 11 ? dren, if he does not provide for all those dependent upon him, and if ha has not that vision of conditions to come, and that care for the days that have not jet dawned, which we sum up in the whole idea of thrift and saving, then he ha3 not opened his eyes to any adequate conception^ human life. We are in this world to provide not for ourselves, but for others, and that is the basis of economy." OUR CONTRACTS COVER EVERY CONTIN GENCY SUGGESTED. HELP TO THE HELPLESS On September 13, 1910, the Atlantic Life Insurance Co. issued Policy No. 11,609, the insured being a life insurance agent and timber estimator. On pecember 10th, he was . thrown from a buggy drawn by a runaway horse and in stantly kj'led. The policy was for ?3,000, and the claim was paid by the Company promptly upon receipt of satis factory proof of death. The insured was a widower with four children, ranging from four months to twelve years old, and they were left with absolutely nothing except the money paid by the Atlantic Life Insurance Co. The relatives are poor, and our agent writes that it would have been necessary to send the children to an orphan asylum if it had not been for this insurance. ?i i . . . This case again exemplifies the necessity and value of life insurance. The man was poor; there was only one way he "could provide for his children and that was through life insurance. He followed the plain line of duty, and, instead of leaving his children dependent upon cold charity, he left them independent of anyone's charity. Atlantic Life Insurance Co. , F. W. FELKEL, Gen. AgenL BURR?SS, J H OWENS, Dist. Agent. Special Agent. Bleckley Building,*Anderson, S. C. The State into which during the last ten years - - - - THE M?TUAL LIFE has paid in matured endow ments arid death claims alone - $1,985X?4.08 and in addition thereto has paid its living policy-holders krge sums in dividends, surrender values, etc. THE MITTDAL UFE , ; y; ;Mm*mm mmmm !.. mmm ?n M ^^rn^a | H?jd investments .in South Carolina se curities and in stocks and bonds of raii ro?dsi wholly or partly in the Slate o? South! Carolina, on December 31,1914, ,y<?f^Il,I4?,500. i^^^^^^^ ?n addition to the payments niade di rectly to policy-holders The Mu Life pays annually intp South Catalina ??iige ?ums of money in r?nt?, shanes, taxes; medical fees, etc, |feeMoiiii Life lasBraiie? ?ottipiy, of K?^ Y?rk D P. SLOAN & SON. Inc;., DistrictSuperintendents. CALHOUN HARRIS. District Superintendent. V/itson-Vandivet Bidg., Anderson, S. C. Hi For?handee Li For any man wCio haB a family and not a fortune, by far tho most Impor tant of all Investments is life insur ance. For a young man who has no family it ?B a good investment too; for he can, so to speak, inve3t his youth and health in it, und later on ,ho may '.:avo dependents when youth and health are gone. No insurable man, wlfcv wife and children who would ec deprived of their support by his death, can afford to go without life ir-buranco for a, day; In fact I belicvo it would bo a good thing to mako life insurance com pulsory for married men without for tuno. Eugenics proposes that a doctor's certificate of sound health shall be a condition precedent to tho lssuanco ot ! a marriage license. I would make Vsm prospectivo bridegroom show his life-insurancD po??cy too. If it Is to .parents have the interest of society, that only healthy parents have child- 1 ren it is equally to tho interest ot society that some provision bo made for the ci.'iid's support in case the father dies. Haere ia still a good deal of silly1 prejudice against life insurance among young, sentimental and inoxperiene- | ed women. They call lt taking blood money for a husband's'death. That j is nonsense. If every wife felt that way and every husband wore guided j by A wlfo'B feeling, there could bo ? no lifo insurance and thousands of. women and children Wf?q are now somewhat provided for would be plunged luto beggary. Life Insurance ls really the simplest and surest thing In tho world. That it io not universally so understood ls largely duo to past. chis of tho life-insurance companies them30Ives. In ' tho palmy days before tho Hy-fo explosion, when tho big companies were striving to accumulate the great est possible mass of assets, 'life-in surance agents seldom clearly explain ed tr.:o business. . Ihtead of talking straight life in surance they talked endowments, an nul I ties and various othe^ investment frills. They boasted of their cora pany*s big dividends; insisted thai the insured in their company did not have to die in order to win, and in general strove to create OA. impres sion that- a life-insurance company might be a sort of magic cornucopia out-of which the poHcy-holdors could ! take more, money than they put:in. ? As practically all life msuranco is mutual-whether the ' company be nominally mutual or one with capital otock-tho policyholders cannot. p?s-, sibly take out more than they, put In, plus accumulated interest at about itou^.pet-oent^Aandiia .?any. fontenot' straight Ufo insurance you do '.rave to die order to. win. .'\ A Simple Illustration. Turn, for example, to ?the vital statistics of'Massachusetts. You will find that for years the annual death :rate per thoncand has never been less than fifteen or moro than-seventeen. Suppose the state undertook to - pay one hundred dollars on' every death. T? ere would bo nothing uncertain .about its calculations, lt would say: j "Not less than fifteen oi more than seventeen people out bf eyery thou . sand will. die this'year. To bo on the safo! side-.we must provide for th? higher number; which will entail an expenditure of seventeen hundred dol lars for each thousand Inhabitant'!. So we will levy a tax of one dollar ard seventy cents-on each inhabitant, and -that will provide, a fund sufficient to pay one hundred dollars on every death." It ls astonishing bow evenly death falls on people undor modern condi tions :when- great plagues are un-: known. In any large, populous area J (St. about the sa?1? number In a thou-, sand die eac'.i year. In all civilized countries, lt is true, the death rato tend* to tall, but the decline la grad ual; and it would be perfectly prac* tlcable to insure en mass? the popu lation of any state or civilised coun try, . TAB amount of deaths benefits 'to be paid could be figu xl put With sub stantial accuracy'year's in advance. There Is a great difference,-.hoWever, in the death rato at different ages* Tahhv the whole registration aroa of the United Statca-^that- is, tho area comprised in those states which keen vital BtatL'jIcs-pearly one-fifh-ot alt tho deaths are of infants under ono year of age. More.than .twenty-s?re - ou t of every iVundred deathBvaro of children under five years ot age; ?but children from five to nlno years of age- account for. little; moro than, two emt-of every hundred deaths. Tho life-insurance actuaries. have bees ' studying those vital statistics for a century and checkiD"* un hythe exp eric nco or the companies. Thus they 'have constructed mortality:.ta'fte* that show . with substantial. accuracy th*? greatest- number of persons '^out of evory thousand ot a given age 'and living Under ordinary; conditions, thai will die in a year. |^nH[ ? ' Ot any three policyholders -jai- tho same ago and in good'health ^on -Jan uary first ono or two may die and one aurr?vO? or ail threo may die; or none may die. Of any tea ttollcyfcolders of tba same age one may die during the fear; or eine may die; or death may tako all ten, or uoh?. . But out of .t?? thousand policyholders of tho same ago the number that. TVIH die during the year may he accurately foretold . The Arithmetic of IttsamBce. : Suppose. now e hundred thousand man twenty-one years old-: should gvt together on January ?rsi &?d agreer to pay one thousand dollars : te the heir* of each ot them, who died durr lng the year. : Turning to the mbrtall ?-?..tiail?'Ah^'.iWifwW': find that seton hundred and:eighty-five waa ?':e larg ??t?nombOr that would dio in a.year; se thwy mus? provide that caniber of benefits--or seven hundred and eighty five th?iO?hd dolla?? ia eU? '-Meh'ef: them coatributes wi/on dollar? and I Man Belie fe Insuranc (Will Payne Io Saturday Evening Post eighty-five cents, thereby making up a fund that will surely pay all tVio death claims accruing during tho year, There is no guesswork or un certainty, about lt. Suppose they wish to continue the arrangement another year. Tho'death rate will be a trifle higher that sec ond year, because h ey aro older. At tho samo lime thoro will be fewer of thora to contribute to the fund, bo- . cau:e of tho dumber that died the1 first year. Consequently each one will have to contribute a little more tho aerond year than in the* first. So'in each succeeding year, aa J.e death rate mountr. and the number of survivors declines, the yearly con tribution rises higher and hihher until finally there would be a solitary sur vivor ninety-odd years old, whu would dutifully pay ono thousani dolla.'.: Into the fund at thc beginning of '.( e year, which sum his heirs would re ?oive when tardy Nature finally re moved him. Nobody likes an arrangement under which ho pays more und more every year. So the actuaries equate the payments tho average life would make and spread ti:em evenly year by year. Thus-allowing interest at tho rate of throo per cent, which ls disre garded In thc preceding -paragraphs a mon aged twenty-one Is entitled to a thousand doJlarB insurance for that year on contributing seven dollars and sixty-two cents to the fund; but twen ty years later, when he is forty-one. he must contribute nine dollars and seventy-one cents-in another ten yearB fourteen dollars and eleven centB-in anob.-Vr decade twenty-eight dollars and Vuvtso cents. However If at twenty-ono ho begins by paying; fourteon dollars and seven ty-two cents he may continuo paying thAt same, sum-neither moro nor less-every year. At first, BO to Bpeak he pays too m?ch; but as he gets oid or he pays too little, and the accumu lated over payments or his carly years make up ,..the.'-.deficits of hl3 older years. I nave taken ; (ll :e figures of tho American Experience Table of Mortali ty, which ls commonly used by life insurance companies, and-have disre garded expensesfikad fraction?;. There aro other . tables . yiel ding somewhat different premiums; but tho ;: main point Is that insuring lives ls. perfect-' ly simulo and certain, because out of a largo,humber of people tho pro portion thai;Wil?*.Hle in shy. given year can be foretold with uubstantlal ac curacy;-'and to, how much. cacO .One should cohtrlbutp in order Co meet thu dc-.itlr?:. if mr, that will accrue In.,any1 y.?ar^'?fct^.in' any number ot years Is n-merei^batt^-nfarithmetic. Thoilfo-insdraqce company is mere ly tho custodian <o?th? fund ?ita policy holders niake up, in order to pay ono another's death lelalms. These con tributions to. ti.e fund aro called pre miums. Asa matter "of fact all conservative ly, managed companies base their pre miums on a death rate considerably higher than thou actual ono. ; They want to bo onibe'safQ, side., Also'.they ?dd to'the premVum A certahv "lo?dr la?" to cover expenses; and th|3 load ing ls rather' more than expenses ac tually come to.. Tn short tt/*>y collect from their pollcyholders^overy year moro' than' Is really, ncceatary to ineot tho death claims and psy expenses. And-ino next year they hand back this over charge, together with interost, in a ??bate that is miscalled a dividend. This rebate .lins, in fact, no reBem-. bianco to a real dividend, but is mere-, ly an overcharge, cblleotcd In ordor io keep' on .the e^fc side which ia handed bock .when the year's business has shown that lt was not needed*. ,TnlB is straight life insurance, to .whi?i'. however, a gr?ait many invest ment features* may no added. Oar hundred thousand/young mon, referr ed, to above, find that seven dollars and eighty-five cents-~>r seven dollars sad slxtv-two cents if interest at three per cont bo allowed-will croate a ?(ind , nu ni cien t to pay one thousand collars to -tire heirs pf each of them who dies during the year. "But/* they say, "wo want sometfiing left over ai. tho emi of tho year.V . So each of them-pays in two dol lars more, mid at thc end of the year, besides meeting all death claims, they have a fund ?1 two hundred and six thousand dollars, supposing the bank In wilki v the. fund ls deposited, allows them three per cent- interest. In tho same way tho lire-insurance company fIrids Out from tts mortality tables how much you must pay in or der to carry straight , insurance on your life. ' Then, if yo? want the com pany to pay you a thousand dollars In cash at the end dt^twenty yearsf-o t^j#fher sum at Uro end Of any other pert?dr-?i.'will figure Out how milch,'. ia addition to <iie straight' life prcm.j lum, you must pay in order.to crea'tp th? athone >' jrex want io re?oive in the specified time. ^.:^..<>-!l.?oa Only Know .5; Or, if ;? you, want tot . stop paying premium"*, Ot the end of fen or twenty' years, tho company can onsily calcu late How much more you must pay each year, in Order to accumulate la ten, or twenty payments a trim equal toy what' you would nave VpaWVln }t you (had, continued; paying every' year during, your expectancy of lire. AU th?se things are simply invents me?t tenures added to straight life Insurance; and straight lite insurance is nothing more or less, than a mutual '?g^mwi.' among ,tb?: ?^llcyho >9 ,contribute in just proportions, established by mortuary stetietics, . i fund that will surely me? t the va rions death claims accruing against lt. /?-.;' Asuessment insurance ia exactly the same Sort of mutukl5a*reehient in a crurte form.. As wfjtfci&f^:^f& if our hundred thousand yourig men adopted assessment insurance, and ad :e Valuable .) mitt cd no young uowcomora to their ranks, their payments would Btoadlly increase year by year, until finally ono hoary Burvhbr paid in tho whole amount of his policy. Generally speaking lt may bo said that assessment insurance is good for tho time being, and a man who can not moot the higher payments of old Hue Insurance should certainly take assessment insurance^ but tho insur ance o.'.'at is based squarely on fae experience cs! mortality and which does not depend on the taking in ot young members is best. You may insure today and die to morrow, in which case thc company will pay you a great deal more thun it received from you-or you may insure today, at tho ago of twentyono, and live to be ninety-five, in which case you will hove paid tho company moro thau lt pays your beneficiary; but lt 1B absolutely Immaterial to the com pany wi.ether you die the day arter you insuro or livo to bo ninoty-five, be cause out of all its policyholders on ly a certain number will die In a given year and only a certain number will live to be nincty-fivo. .It gets the average. : If, beginning ut twenty-one-or any other age-you reach Just tho aver ago length of life you will have paid in OB much as your beneficiary re ceives-interest considered. If you knew you were going to reach Just the average length of life you would bo aa I well off to put your premiums in a savings bank; -tut you do not know. Hence the noco3sity of lifo iusu'r ?ance. RICH MEN ll BIG IN8?BK POLICIES The Shrewdest and Ablest of the Big Financiers. Tho late Joseph T. Carew, faead of I the Mabloy & Carew company of Cln* ! clnnatl, lett an estate of Ute consid erably more than ono million dollars. A part of this estate, disposed of In Mr. Carow's will, consisted of eleven policies in the Mutual Lifo of New York. Tho oldest of tkeBo policies was taken out in 1884, thirty-two years ago, and tho lust was taken in 1904, the total insurance lu forco at tho.time of his doatw being $222,000. I Tho popular.snppositioik'.ls that men of wealth do not need lifo insurance; yet many of the shrewdest of our great financiers and successful business men find it to their advantage to car ry insuranco in largo amounts. Thoy may'not need lifo Insurance in the ordinary sense, us in tho case of the average man who, but for his lifo in wrance, would probably leave no pro vision at all for ills dependants; but men. of largo means nevertheless know tho ?'. Impertanco of corresponding amount ot ready funds for the pro tection .of their estates at the time of ?their death.- If rich men 'died only when tholr affairs, were,in the mest prosperous condition, and w> en gen eral financial conditions wcro . fav orable, so that pro*>erty and securi ties could bo disposed of tb good ad vantage lin the settlement of tho. es tate, a largo amount of ready funds would not bo so essential. Dut death often comes Just when conditions are the reverse of this, when ready money ! cannot b? had savo at a tremendous sacrifice of securities, real estate, j or other property. Tho man of wealth is usually Interested in many enter prises and projects which aro in an uncompleted state at tr.-J timo of his death. Undertakings .raich could have, been handled and brought to a successful Issue had ho lived may end in great loss in the event of lils untimely death. It is thoo that large nu:oun ts of ready money are needed to save; tho estate from disaster. Haere is another point for the mau ot wealth to consider. Rich and prosperous'today, his family-would be amply provided for in o>\s? of his death; but no maa can say what his condition may bo a few years hones. It ls no burden upon the rich man to make certain provisions against tho, .contingency of -alB death when re verses ?have come. This certain pro vision be may make from bis presen; -"?bunrlapco by'paying the premium on a goodly amount of Ufo Insurance. The insurance' will likewise be a pro vision for his own old age, should fortune desert him in his declining yeara. If, on 'the other hand, pros perity attends him through all'., bis' days, as In- Mr. Carew's case, it is. probable that no part of bis estate Will ?how a better return than his invest ment tn life insurance.~-!?ducatcv Monthly. , ] Leaves Sure Estate. Loewenhers, Columbus, Ga., insured for $35,000; "I consider policies is^ .sued by first class old-line companies tn? only-safe and absomto?y ?suiro ?state a man may leave to' his family after death' '..<.. A man using all of his capital in' his bu si noss,- it. Ia duo to his family to pr?vido sufficient Ufe in ks u ran ce to protect them from want. Kany business concerns wound up alter death l?avt? the widow and chil dren" penniless. 1 consider policies held in first class old-lino companies, in addition to fte Insurance feature, firctclass paying investments. Ma tured polic?as held hy nts hava, :*o, proved themselves. . Every man ?hou?d carry some msora?ce."-The ?peetar tor. . .'y.''/'-; SomO mon say. they wUl ?be govern*' ed by your advice-bat you kino*. Whet King David said all mon were. INSURE WITH THE SOUTHEASTERN LIFE You're a perfect man physically THAT'S PLEASANT. You hope to remain so- ? THAT'S NATURAL. You may be disappointed THAT'S POSSIBLE. Better stand an examination today THAi'S SENSE. You want thc best policy your money will buy- . - THAT'S RIGHT. Every living person is sure to die THAT'S APPALLING. Delays arc dangerous THAT'S CERTAIN. "SOUTHEASTERN LIFE" THAT'S THE COMPANY. The best policv for you THAT'S OURS. . Act TODAY. / THATS BUSINESS. . You would be surprised to kiow how little money would be necessary to protect your family or estate. If you would like to know without committing yourself, Till these blank spaces and mail to Southeastern Life Insurance Company HORACE J. McGEE, General Agent or GEO. W. SPEER, . C C. GRIBBLE, Special Agent Local ?gent; . Anderson, S. C. My f?ll name is..:............... Occupation ....".. . ... Town.... .-Y.... . . State.. .-. I was born on.... ?.day of. . . . .. .. . 191. . . INSURANCE Insurance of any Hind distributes losses so thal tho full Weight does not fall upon.one person. A. man .Insures bis house.. lt burns. He. collects twenty times more than he has ???ld. Bul (hose who havo paid premiums f?r years and years, wi'.liout collect ing, really ay .toe loss: Any man. can thus enjoy the bohellt or h ol j) from his more'fo'/unate fellows. Tho wonder is that ibero are men. wjhs do ?ot avir-.uicnieeiYCB of this tienent; that there are; men who foolishly bear all tho risk themselves when hundreds and thousands would cheerfully share lt with-them. Whtiu you analyzo ft that ts what all Insurance ls-collective effort, all Kelping in time of need. - . But there is moro need to urge life ln<iuranct> ?ban fire^naurf,', ance. ; .Many men see the immediate need of fire insurance,' whoV think little ot providing for their familles by means of policies pay* able at;their death. This has recently been doeply impressed up on us hy the death of a brilliant mas whose family 1B today depend ent upon hts brother for dally bread. A few dollars a month, a .lew dollars a year may stand between a man's widow and want, Today she is a. cherished wife, with tho comforts of homo and an unfailing provision of food and clothing; tomorrow a sorrowing .Widow, /without homo, Income, or opportunity, Some provident men buy land, or mako other investment, against tho posslblo day of need, when tho breadwinner ls no more, arid tho mother and cbildreu are left to taco tho storm without a pilot. . But ; if the land was bought'on time what provision wan made for pay-, menta coming due and accrning interest? ?f none? then perhaps all. that was paid of rooney from the toil of lils body may be lost and the family in as dire want an though no thought had been talton for. the. morrow. If, however, that thoughtful man had mingled; intelligence with his industry he-would have made such provision' of insurance that the payments on the land might be made from tho lifo policy. We write of tLis tor lt is tue commonest experience of life and ono too often unprovided for. We are not in tho insurance business and it dees net concern es whether our readers Insure with a. company in Atlanta, Columbia, Sumter. Manning, or Now York, but it,behooves eVery inan, single, or married, to get insurance for the salt? ot thone who ft?.ve a right, or may have a right to expect or him that superior-buViiness for?:- ? sight that becomes a man:-Editorial, "The Herald," Manning, S. C., October 21st, 1916. lt the same of ihe "brilliant man whoso family ls today depend ent open his brother for dally bread9 and tho facts In connect hm with the ease were.published.they weald hardly be believed. jj ' If l'?U were to die today would your widow be "without home. Income or opportunity P THE MUTUAL BENEFIT LIFE INSURANCE COMPANY M. M, Ma.ttisoii, General Agent ; C. W. WEBB, District Agent." '^m$m J* ii Trowbridge, C. E. Tribbl??; W. R? Osborne, Special Agents. BlecWftjfeEhilding Anderson, S. ?Mm i rr booklet ?The Story of the little ?ray gMulrrel," rJf lif?restlnj? "Bcd Ttae Tales for little Polka'*