Am  May!'i9(5arm"  [  The  Importance  of  Insurance.  229 
should  increase  at  every  available  opportunity.  If  he  has  a  poor 
widowed  mother  or  invalid  sister  he  should,  as  soon  as  he  is  able, 
make  some  provision  in  the  form  of  a  life  insurance  policy  for  their 
support  after  he  is  gone,  so  that  they  will  not  be  left  in  poverty  and 
distress. 
This,  of  course,  is  not  obligatory,  but  the  natural  promptings  of 
humanity  and  a  good  kind  heart  should  make  it  so.  The  provision 
for  your  immediate  family,  however,  should  be  secured  at  the  earli- 
est possible  moment,  for  you  know  not  when  the  fatal  hour  may 
come,  and  because  the  premium  in  life  insurance  up  to  30  or  35 
years  of  age  is  small.  Therefore,  if  you  are  doing  only  a  moderately 
fair  business  you  can  take  out  a  policy  for  a  few  thousand  dollars 
and  you  will  hardly  feel  the  payment  of  premiums,  as  you  can  have 
them  made  payable  quarterly,  half-yearly  or  annually.  While  your 
means  are  limited  I  would  advise  you  to  take  out  a  policy  on  the 
life  plan,  as  in  this  form  your  premium  will  be  lighter.  Endowment 
policies  are  much  more  expensive,  but  one  of  these  can  be  taken 
out  later  when  it  won't  draw  so  hard  upon  your  exchequer. 
There  is  hardly  anything  in  which  you  can  invest  your  money 
that  will  be  more  secure  or  that  will  pay  you  a  better  interest  than 
life  insurance.  Besides,  you  will  experience  much  peace  of  mind 
and  comfort  in  knowing  that  in  case  of  your  untimely  death  your 
wife  and  family  are  provided  for,  although  you  may  not  have  an  ad- 
ditional dollar  in  savings  to  leave  them. 
After  you  have  liberally  provided  yourself  with  life  insurance  you 
can  enjoy  life  better  and  be  happier,  and  you  and  your  family  can 
indulge  a  little  more  freely  in  life's  pleasures.  Whereas,  if  you  are 
not  insured  you  may  have  to  exercise  the  most  rigorous  and  even 
painful  economy,  and  often  be  obliged  to  deprive  yourselves  of  neces- 
sities at  the  table  and  in  dress,  and  also  many  little  pleasures  and 
enjoyments,  in  order  to  save  as  much  as  possible  for  the  future. 
While  you  are  young  and  premiums  are  low  in  life  insurance,  and 
you  are  still  in  such  condition  of  health  as  to  give  you  ready  accept- 
ance into  the  best  companies,  and  you  have  been  in  business  a  few 
years  with  fairly  easy  circumstances,  and  are  able  to  afford  it,  I 
would  then  advise  you  by  all  means  to  take  out  a  ten-  or  fifteen- 
year  endowment  policy.  The  premium  on  this  will  greatly  exceed 
your  life  policy,  but  you  will  now  be  better  able  to  pay  it.  You 
should  make  the  amount  of  your  policy  as  large  as  you  feel  able  to 
