194 
THE GARDEN 
MAGAZINE 
NovEMBER, 1906 
and to that nurture and training which a 
mother’s love prompts her to give with the 
most anxious solicitude. When the day’s 
work is done, and when the father is seated 
by the fireside surrounded by those whom he 
loves, the future sometimes rises before his 
mind. In vision he sees his family bereft 
of his care and his earnings. He sees his 
wife haggard and worn with work. She is 
struggling for bread, raiment, and_ shelter 
for herself and her little ones. He hears 
the cry of the youngest for that care which 
the mother finds it impossible to give. 
The older children are kept from school 
because they must either take charge of the 
dependent ones while the mother is at work, 
or they must themselves engage in the fierce 
struggle for existence. The shadowy fore- 
cast of an always possible future should drive 
him to make the provision 
which is rendered possible 
by life insurance in some 
one of the companies which 
have shown by years of 
careful management that 
they deserve the confidence 
of the public. 
“Take no thought for 
the morrow,’’ was the text 
selected for a sermon in 
favor of life insurance. At 
first sight it seemed a 
strange text, but in the Re- 
vised Version the language 
is, ‘‘Be not anxious for the 
morrow,” and a life insur- 
ance policy in some com- 
pany which has shown the 
strength of Gibraltar is one 
of the best means to drive 
away anxious thought for 
the future. Thus, when 
rightly interpreted, this pas- 
sage from the Sermon on 
the Mount becomes a most 
cogent argument in favor 
of life insurance. 
Time was when the most 
a good citizen and loving 
parent could do for his 
family, if the fear for their 
future distressed him, was 
to work a little harder, to 
strain himself under a heavier load, to add 
a trifle more each week to that little store 
of savings which were accumulating so 
slowly. It was ten, perhaps twenty, years 
before his savings could amount to enough 
to make even a meager provision for those 
he loves. At any time the failure of a 
savings bank, the collapse of a_ building 
and loan association, or an ill-advised in- 
vestment of his own might sweep away the 
hard-earned savings of years, and destroy 
at one stroke the fruit of past and present 
labors and the foundation of future hopes. 
There are teachers and clerks who have a 
fixed income. As soon as they see a way to 
secure the maintenance of their home and 
the education of their children they lose no 
time in making the necessary provision. 
What keeps them from taking the necessary 
step is not heartlessness nor thoughtlessness, 
but the seeming hopelessness of being able 
to make adequate provision out of small 
earnings. Such need not despair. To them 
the various forms of life insurance are of 
supreme interest and importance. Worry 
is worse than overwork, and they can escape 
both by adopting the plan of insurance best 
adapted to their circumstances and_ their 
income. 
Let us descend from the general to partic- 
ulars. I prefer to take my illustrations from 
the old-line companies, whose premiums are 
fixed by contract, and cannot be increased at 
a time when one’s power to pay has begun to 
wane. In passing I may say that an agent 
came to our town to organize a lodge with an 
insurance provision as one of its features; he 
EIRRALTAR 
left on the next train, saying, ‘‘Those fellows 
know too much.” It was shown him by a 
simple calculation that if the assessments 
were not to be increased in the coming years, 
every member participating in the plan would 
have to live, on the average, more than 140 
years. Moreover, I prefer to take my illus- 
trations from some company in which I have 
no personal interest. My life insurance, for 
the benefit of my wife and children, was taken 
in other old-line companies, to the limit of 
my ability to pay the premiums, before my 
attention was drawn to this particular com- 
pany. I refer to The Prudential of New 
ark, N. J., which has been likened to the rock 
ot Gibraltar by reason of its solidity and its 
conservati' > methods of doing business. 
One of th. policies is known as the Child’s 
Tue GARDEN MAGAZINE Advertiser 
Endowment Policy. In one of the announce- 
ments the founder and President of the Com- 
pany, U. S. Senator John F. Dryden, says: 
“This form of policy furnishes an excellent 
means of securing on the installment plan a 
fund wherewith to pay the expenses of a child 
through college, or while preparing for a 
profession, or during the period spent in 
acquiring the technical knowledge demanded 
in certain employments. Under other con- 
ditions, the fund secured through the policy 
may be used to give the child a start in busi- 
ness, or, in the case of a daughter, a dowry at 
marriage. Policies may be taken out at the 
birth of a child or at any age thereafter up to 
and including age fifteen, to mature upon the 
anniversary of the policy at ages eighteen, 
twenty-one, or twenty-five, and will be issued 
for sums from $500 to $5,000. When the 
endowment matures, the 
amount of the policy with 
profits (or dividends) added 
thereto, will be paid to the 
child insured or to the parent 
or guardian.” Not only is 
the amount of the policy 
with profits payable at the 
age stated in the contract, 
but in the event of previous 
death all premiums are re- 
turned with three per cent. 
compound interest. The 
very fact that the possibility 
of a higher or professional 
education isin store for him 
serves as a wonderful incen- 
tive to the boy while on 
his way through the public 
schools. If it be true that 
aspirations make the man, 
then surely the plan of in- 
surance which fills the heart 
with aspirations is desery- 
ing of attention and careful 
study. Let us assume that 
a man says to himself: “If 
only I had a few thousand 
dollars laid aside for the 
wife and babies, I could 
work cheerfully and rest 
easily without fear of the 
future. But how can I 
hope to leave them even a 
few hundreds? All I can possibly save out 
of my earnings is $2 each week. It seems 
utterly hopeless to dream of building up a 
fund to maintain and educate my children 
on such slender savings.’”’ And such a case 
would be hopeless except that right here 
comes The Prudential Insurance Company, 
and says that $2 a week entrusted to them 
will give the family $5,000 of protection. 
Taking the age of the insured, for instance, 
at thirty years as a basis, the Company 
says: ‘‘Pay me $98.85 per annum, some- 
what less than $2 per week savings, and 
I will guarantee you $5,000 for your family, 
payable to-morrow in the event of death, 
if your first premium has been fully paid.” 
It would take the man over thirty years to 
accumulate $5,000 by any ordinary plan of 
