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NoveEMBER, 1906 
THE 
GARDEN 
MAGAZINE 
193 
A Trust Fund for the Maintenance and Education of Children 
By Dr. Nathan C. Schaeffer 
President National Educators Association and Superintendent Public Instruction of the Commonwealth of Pennsylvania 
On February 17, 1905, upon the occasion 
of the unveiling of the statue of Frances E. 
Willard in the Capitol at Washington, the 
Hon. Albert J. Beveridge, of Indiana, paid 
a glowing tribute, not only to this great 
woman, but also to womanhood in general. In 
the course of his beautiful and eloquent re- 
marks upon the career and character of Miss 
Willard he said: ‘‘To make the homes of the 
millions pure, to render sweet and strong 
those human relations 
which constitute the family 
—this was her mission and 
her work. And there can- 
not be a wiser method of 
mankind’s upliftment than 
this, no better way to make 
a nation noble and endur- 
ing; for the hearthstoneis 
the foundation whereon the 
State is built. The family 
is the social and natural 
unit. Spencer wrote 
learnedly of ‘the individual 
and the State’; but he 
wrote words merely. The 
individual is not the im- 
portant factor in nature or 
the nation. Nature destroys 
the individual. Nature 
cares only for the pair, 
knows in some form noth- 
ing but the family. And 
so, by the deep reasoning 
of Nature itself, Frances E. 
Willard’s work was justi- 
fied.” 
It isat this point that life 
insurance helps to reinforce 
the work of Frances E. 
Willard. Life insurance 
helps to sustain and per- 
petuate the family by saving 
the widowed mother from 
poverty and by creating a 
trust fund for the mainte- 
mance and education of 
children. It encourages 
sobriety, industry, and thrift 
by the periodic payments 
which constitute an essen- 
tial part in almost every 
scheme of life insurance. 
Money that would be spent 
upon drink or other need- 
less luxuries must be saved 
for the payment of pre- 
miums if the insurance 
shall not lapse or at least 
lose a part of its value. 
This is a powerful stimulus to the young 
man eyen before others are dependent upon 
him. After he attains the dignity of father- 
hood, the duty of providing for the present 
and future needs of his family becomes a 
powerful motive for industry, economy, and 
temperance; and a life insurance policy 
helps to strengthen this motive and to 
develop habits of thrift. 
Since the family is the foundation of the 
U. S. SENATOR JOHN F. DRYDEN 
President of the Prudential Insurance Co. of America 
THE GARDEN MAGAZINE Advertiser 
State, life insurance may be regarded as a 
patriotic duty. For it is the duty of the 
parent to prepare his children for citizen- 
ship, and this implies that he must give them 
a suitable education. Public and private 
schools of all grades and kinds, from the 
kindergarten to the university, have been 
liberally provided and lavishly equipped for 
the benefit of the rising generation; but when 
the father is called away in the prime of life, 
the children must often- 
times leave school as soon 
as the law allows them to 
go to work, and their time 
and strength are exhausted 
in the mere struggle for 
bread. A life insurance 
policy would have enabled 
them to remain at school 
and to secure for themselves 
all that an education means 
in the way of future earning 
power and future useful- 
ness. A nation’s progress 
depends upon the proper 
education of its future 
citizens. Not the bank 
withits stored millions, nor 
the fortress with its frown- 
ing guns, but “the little 
red schoolhouse on the 
hill,” is the real symbol of 
the strength and perpetuity 
of American institutions. 
“The best is not too good 
for my children,” said a 
clergyman not long ago; 
“and life insurance will 
help me to give them the 
best education that they 
will take.” Policies which 
mature in ten, fifteen, or 
twenty years serve to pro- 
vide the money for a course 
at college or at some techni- 
cal or professional school. 
The parent’s love for his 
children should prompt him 
to make adequate provision 
for them in the event of 
his death. For the wage- 
earner and for the man who 
is dependent upon a salary 
this is a difficult problem. 
While his strength and his 
power to earn money last, 
he can provide for their 
needs, whilst his wife de- 
votes her time and energy 
to the care of the home 
