Insurance Life And Accident a Paper Read Before the Worlds Congress Auxiliary

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Never- theless, the conditions of life, and the needs of insur- ants are so various, that many forms are needed to meet the numerous exigencies known to the present, and possible to the future.
Life Insurance is an ever present necessity to the great majority of mankind, and yet the percentage of the insured to the uninsured is miserably small. Very many do not insure because they do not understand 1O the subject ; others, because they look upon it as a game of chance, in which they have to die
..., if they would win. They look at their own chance of winning through one end of the telescope, and at the Company's through the other. Some do not need it for them- selves, and are indifferent to the necessities of those who do. There are those also, who have no ambition to be independent of their neighbors, and have no shame that their grave will be digged at the expense of another.
Eighteen dollars per annum, or $1. 50 per month, will provide a man at age 30, with an insurance for $r, ooo, payable at death, and $10.


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