University of Manitoba - Brown and Gold Yearbook (Winnipeg, Manitoba Canada)

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XXX, Zigi f'S AR 89

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Why I Own Life insuranc FROM my earliest earnings I purchased a Life Insurance policy and in recent years have purchased annuity policies that will become operative after I have ceased to be able to carry on my active duties. I believe in life insurance and my faith has ex- pressed itself in works. From my own experience and observation I find valid reasons why any earner should, if possible, own life in- surance. CID The most obvious and commonplace reason is that it is well even to be forced to save, to have a small margin of receipts on expenditure. Dickens through his Mr. Micawber, puts the case admir- ably: Annual income, twenty pounds: annual ex- penditure, nineteen pounds, nineteen shillings and six pence-result, happiness. Annual income, twen- ty pounds, annual expenditure, twenty pounds, ought and six pence--result, miseryfl One is forced to deny himself something he may want in order to lay by the necessary premium for his policy. It is good to learn in youth to pay as you go and when you can't pay, not to go. Perhaps this virtue of saving is not much in fashion today. Public policies of taxation rather tend to discour- age it: but it is a good practice, nonetheless. C25 Insurance may enable a man to meet an unexpected crisis or a planned development in his affairs. A short term policy may be so timed as to provide for special expenditures such as the educa- tion of his children. My own Hrst policy was a ten- 'I H. J. CODY, M.A., LL.D., D.D.. President, University of Toronto. in INSURANCE AND FINANCIAL REVIEW., 'A' pay life, which gave me protec- tion against certain eventualities which happily did not arise. Now it is a good asset for my estate. C33 It gives throughout life a certain feeling of independence and security. I have observed that one of the most haunting fears of mankind is the fear of being unprovided for in illness or in age. Freedom from worry in- creases usefulness, brings good health, and prolongs life. One company expresses this idea by its motto: Sic vita vitalis- So is life liveablef' C45 All through a man's busy years, it is a help to him to have a specialized organization, like an Insurance Company, invest his savings. He is de- livered from the temptation to play the markets. to get in on a sure thing or to be a shareholder in a company sure to earn fabulous dividends. A modest sum, safely invested and not lost, has a strange fashion of becoming large. C55 Ownership of insurance makes a man feel that he is a partner in one of the great financial institutions whose resources in turn are used in the development of the material wealth of the country and whose conservative management helps to stab- ilize our national business policy. Small sums from many partners produce much capital, Perhaps that is the meaning of the motto of another great com- pany: Concordia res parvae crescunt. These are some of the reasons why I am glad to 'A' Published by THE own a little life insurance. ME'!A!:.,,. EEE Established 1869 HOME OFFICE - WATERLOO, ONT. BRANCH OFFICE 711-1 FLOOR SOMERSET BLDG., W1NN1PEc, MAN. 91