South Bend News-Times, Volume 37, Number 19, South Bend, St. Joseph County, 19 January 1920 — Page 3

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Carry

That's the way to put it. There used to be an old question asked of men bv their fellows and bv life insurance solicitors "Do you carrv Lite Insurance?" But that question is out of date. Nobody carries life insurance; the thing is an impossibility, for life insurance won't be in the position of being carried. It is no burden on any man's back. It is an automotive vehicle that carries everybody who invests in it. But let's not juggle with words what do we mean when we say that life insurance "carries" the man who buys it?

To begin with, the greatest burden on every decent man's mind and heart is his anxiety as to the future of his wife and children a load that is always with him and that cripples his efficiency in other things. This load life insurance assumes and carries in such a way as to absolutely relieve the man of his burden, it starts him out everv dav care free in reference to future obligations in case of his sudden death or serious illness. Again, life insurance carries you when you call at the bank and gives you a welcome with the President when you ask him for a business loan, and you would find, if you could explore the back of his mind, that that life insurance policy had carried you much farther into his good graces concerning that financial transaction than you could have imagined. Again, life insurance carries you into the possession of a sizable estate just as soon as the first premium is paid. This is a good big argument in favor of the man who invests.

Again, life insurance carries you into a firstrate habit which is hard otherwise to form, viz., a habit of systematic saving. Again, in almost every man's life there comes a time when he actually needs to be picked up and carried for a while. Something serious has happened. A big doctors bill, or an unfortunate business experience, or something of the sort, has bowled him over. At that time a life insurance policy comes along and actually puts him on his feet and starts him all over again. This, of course, is due to the loan value which life insurance policies have after the first two years of life. A life insurance policy, under all circumstances, carries a man who invests in it. So it is no longer accurate to say that you carry life insurance any more than you say you carry a United States Liberty Bond in which you have invested and which can at any time be turned into cash. Thrift is a habit it is the practice of periodic and continued saving until such practice be

comes a habit. Any institution which develops the habit of periodic and continued saving is an agency of thrift. Is there any institution in America which has done and is doing mor for thrift than life insurance? When a man contracts to pay a premium on a policy he sets out to save it yearly for life or for a definite number of years. He thus sets out deliberately to be a thrifty individual. The premiums thus saved not only make the insured thrifty, but the use of these premiums in financing farms, building homes and like enterprises make it possible for families and home builders to become thrifty, too. Insurance premiums are not idle. They are used for all kinds of economic development and thus make a thrifty nation. If the flow of premiums into farm mortgages, home purchases, and industrial enterprises were suddenly cut off, the result would mean disaster to the whole nation. Insurance "premium saving" is more than insuring; it is thrift plus economic development.

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you very seriously

Have you given life insurance the opportunity to take you along the road of success in life, releasing your energies, your time, your thought for work and for enjoyments which would be impossible if life insurance did not carrv for you the bio; liabilities to which we have referred. If life insurance does not carry you, won't you hail the first life insurance salesman you can think of just as you would call up a taxi in

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order to be carried from one place to another won't you call this man up and tell him that you want a quick trip from uncertainty to insurance; that you want to have a big load taken off your mind concerning the future of your wife and children, and in short that you want to have life insurance carrv you and vour family safelv, smoothly, to the place of financial security that will be at once economical and will give you a sense of welfare quite inexpressible.

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