The Educational,

' . Now in Progress of Great Interest

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to Local InsuranceMen and the Insuring Public

le rlvriters a

Insurance With ~ f Profit

"e protection for your Family's“ pollclﬂ ‘ Increases In dividends for eight consecutive years. , Insure with Canada's largest Company.

The Sun Life Assurance Co" of Canada

Assets over $400.00i\.0il0.0il. Insurances In force over $l.50||,ooo,ooo.ou_ CONSULT OUR .\t'lEN'l'S 0R

‘J. ‘A. MQQIB, Div. Mzlniliii-r

The Dominion Life Assurance Co.

wpresentstlves extend sincere greetings and best Wishes to the assembled life underwriters and to the insuring public generally. May this educational bring to both s IIIIIIIIIIIILDQIIOBL

c. m. WILLIAMS. n S0,, Charlottetown. c. c. JOIINSTONE, n. A., Long River. ' llsv. .1. c. MARTIN. n. s. Roseneatll. W. E. B80018, Olen-y

0E0. w. MacLIOD, Charlottetown.

s. n. TODD,»SdiIlm€i'slGe.

Major J. A. MacKenzie

Provincial Manager,

Banli or Nova Scotia Building, Charlottetown, P. E. I.

The Imperial Life Assurance Co. of Canada

W. M. FLYNN Charlottetown ALLAN J. lliCCABE Charlottetown THOMAS N. DONAlIOI-I Kensington JAMES N. GILLIS Klnross HAROLD J. HYNES Montague JOSEPH F. DOYLE French Village A. A. MCDONALD, B. A. Glenllnnan WM. A. REDDIN Southport

A. R. Mclnnis Imperial Life Assurance Company of Canada

70 prince skeet, C,‘ rlottctowu, P. E. I

The Crown Life Assurance Co.

Extends it its policyholders throughout the Province Met Wishes for the New Year.

B. Roy Holman

okwslssl. AGENT cllsnmrrllrowli

The EMPIRE LIFE INSURANCE co.

Greets all its Policy-holders and Share-holders with l stucco Whll iol-

a pmosnnous m» nun Nsw rims"

We" new odor {Oollllllots Linc oi Polio! Contracts”

Illisormitll BATIS. " SPLINDID orvmluos

sorts "o r0 1o.

.132; """ "i? “ﬁiii-‘lfiﬁiﬁhlﬁ-‘iiciléﬁritlt’

. _ 1A 5y . c‘! loo-now Considered-

Indinllllbl Polio " Ilrlt OlnI INVESTMENTS.

com-ran rr ovln with: R. H. McNeill ‘_ ‘ . Provlnoitl mourn; _ ~- gsglvbs clinic.

ersl pggrpetlce of

“Mary” is Potent

Insurance Aid

Sentiment Port in Determining Men to invest.

Some claim that life insurance is Purely a business proposition, there- fore, ls without sentiment. This is not the case. Life insurance in most instances ls all sentiment. It. is sug- [Zeﬁﬁd and prompted by sentiment. Men insure for "Mary," in whom all their sentiment centres. She may b“. wife, ‘mother, daughter or sister,

4 Everything,‘ however. must have its business or commercial side tn order that it may be practical. Love. liiel-rlage, homeyall of which ls uze embodiment oi sentiment, must nev- ertheless be ctlelll that thc material things also Will be provided. Charity which‘ is

prompted by sentiment. will not main» ’

tain itself; tt must be organized and put on s business. basis. While there may be no sentiment in business. there must, nevertheless be very

much of B business side to sentiment. i

In ltfe insurance, sentiment Ls ﬁrst and last, the business phase being only s. necessary adjunct or incident- al. Ii there were no dependent wom- en and children, it ls safe to say

there would be little, if any, life lrl- -

surilzlce. It would not be ln demand as an investment only, since there are many other safe and proﬁtable investments. But n9 other plan has ever been devised by which we can protect Mary. Men still take lite insurance primarily tor Mary, just a: they dtd before cash and other

surrender values were known. M0d-_

ei-n policies, with all their improve- ments, only serve to make llic tn- surancc more popular. of greater value to the insured. and caster for the agent to sell, since they serve the double purpose of protecting Mary and also the insured himself. Every man knows that life insurance is n good thing; that he ought to have 1t. and that 1t is a mistake to put it oil’; but all the investment features and policy privileges ln Christendom

commercialized w the "

p Three-Day

Congress

DR. CHAS. J. ROCKWELL

Local llfc underwriters will have nationally ' oi Dr. Rockwell, oi’ Chicago, who is

author and lecturer on life underwriting in the person

ERIC V. CHOWN

lln opportunity of hearing an inter-

to conduct three-day Congrelmes in 14

Canadian cities under the auspices of the Life Underwriters‘ Association or

Canada and the local Life Underwriters’ Assoclaii

grosses h; llt-lng held ln Chnrlottetuu accompanied on his coast t0 coast

One o! these Con- n, January 5, ‘l and 8. Dr. Rockwell is inur by Ml‘. Chown, general secretory

oi‘ the Llfc Unilcrwrlti-rs‘ Assn. Zciilon of Czlnnilll, wllo ls visiting various

association centres in the llllPYi" .

cl’ illc ﬂﬁrllfltlllﬁll work.

will aim 111mm ‘lmlure hmi H‘- lﬂi- " ‘11li>‘-‘\‘1‘»"K3~'"*- l“? tort v. Invesinlclvxs: M:- ‘w 311i. liéll: l\‘ \.|\:.:‘r un_v'i1;ur-_ bu; tins = In)‘ 1...~ o ~"I‘ '

lnsur-sncv. l‘ 2S only‘

p FROM THE zwsw

Insurance Called Ideal Investment for Worker, l/Vho Creates Estate and Cains Security -—Buys a Share in Countryl

The numerous annual statements b91118 Issued every day now by insur- "199 1101111383188 should indicate to policyholders and holders oi insurance stocks how intimately these ﬁnancial Orsﬂhizatlvvs are connected with the growth‘ and development oi the coun- ry.

Few business organisations have such excellent statements to exhibit to those interested. and it ls a cause

o! deep wonder that the general pub-_

lic has not: long ago seen the value cl insurance as a pure investment aside from its protective feature. Insurance ls sn investment. It ls probably the satest lilvestlnent in the world. in fact, we know oi none sister For that mat class of huddle-class workenend lol- the working classes insurance oﬂers is better investment than sny other ln existence today.

Small Savings Create Large Estate

The small salaried msn can get through insurance an estate that he can never hope to attain through sav- ings. ‘For instance, on a savings ol about 810 per week, he can create on estate of $25,000, and sitar he has pltld this amount into the insurance company for more than two yesm hc can borrow a certain portion of ll back it’ he‘ should suddenly need it.

He may borrow up to the full loan value of the policy at a rate of 6 pcr cent and still retain the policy ln iorce. If he should die before he polo back the loan his estate is paid the lull amount oi the Policy less the smolmt of the loan»

It.’ he leaves his dividends with the insurance compsny he ls guaranteed aliilnterest income of from 3 to 31,-’.- per t-snd is. through the 891% most insurance companies, paid 4 or even 5 ‘per cent. in some instances.

Suppose every wage corner should

iivs UnA1y’cE I

BY GEORG

eys are perhaps the best trained lin- ancisl minds in the world today. The larger companies oiten invest as much as s. million dollars per day. They must know their business. A glance at any of the printed lists 0t the hold- ings of any o! the larger life, ﬁre, casualty, or surety companies will show how nearly they have their 1n- vestnlenta scattered so as to cover the entire country. and in some tnstaw-es the entire worlds '

E A. MILLER. .

The investment list of a Kfeﬂt in- surance company comprises the musl- complete and fundamental investment trust conceivable.

When a man buys an insurance policy he is buying into s. portion o1 all the securities that the lnsufﬂﬂw company owns. He is Betting a share oi the proﬁts of all the u ‘

scattered throughout the land. WhY should he not rather trust his moneys to the hands of eXDﬂYH. than "Y W

\f- . A ~\:§\\*\ AN¢EQQITIP3H "was. "

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put all his saviﬂls and n. , funds into insurance. What would it benefit him and how-would it beneﬁt .58 coimtry etlorlel

‘~ . u.

l-‘lnsliclsl Leaders Invest liilnds.

First end foremost it would Diner ,

funds into tbs-hands oi the most skill-

iui ﬁnancial minds ln the country. ‘

The men who invest insurance mon-

1 Is the Strong Arm of

LIFE izvsumncs ' Protecting YOUR Family?

pcat stock salesman.

Mellon Gives l Timely Advice About_Some Ways of Wasting Money Need.

ed for insurance.

The Secretary o! the U. s. Trea~ Burl’. Andrew Mellon. 1s the author giicethe following paragraphs 0i ad-

1. Never buy stock :n mules you know nothing about.

2. None but the rich can aﬂord to triﬂe with oil wells. There are many 800d mining and oil investments, but how can Wu tell the Rood from the had, or know the intentions of the promoters?

3. Schelners take advantage o: Merv important discovery or inven- ‘Pm: recently, in the wake of radio. came countless Stock selling schemes. Many invested and lost.

4- Dc you want Lo buy s swamp’! There are real estate promoters who will sell you a swamp as "snore Frontage?’ if you buy property, buy

The Great West Life

Hyndman e 00.1411

. Assurance Co. -

ESTABLISHED 1332

PROVIDING ‘SERVICE T0 POLICYIIOLDERS"

Special Representatives:

JAMES B. HUGHES, HAROLD M. STEWART. ALYRE ARSENAULT .

MANAGERS FOR. PRINCE EDWARD ISLAND CHARLOTIETOWN

near home.

5. Look out for new companies that are going to “sell by mall." No money will come in until soles are made, and sales require u good nrqsnizstinn and time. They may never earn more than salary money, and that ls Paid out ﬁrst,

6. New manuioctilrlng methods should always be personally checked and investigated.

'7. "Invest quick, or lt may be too lsic," ls a favorite urge of the wild- That‘ should make you suspicious.

8. Look with suspicion on offers with special inducements" in cash discounts or stock bonuses. Such on offer may be a trap. and many have hcon lured to misfortune by it

9. Your banker will tell you that "tum" rm the 510"}: market are worth- less. Those who how advance ni- formation will not toll you, when they "an proﬁt Tl"(‘lll§0l\'i\s‘.

l0. Tim rich iiluii in: mun If l-l m

Life Underwriters of P. E. I.

libel-stions will be beneﬁcial not only to yourselves but your policyholders as well. ' ,

In Congress

We welcome you to Charlottetown and trust your de-

Confederation Life Association

SINCE 187i

W, G, Hogg, 0.1.0.

Provincial Iilzlllaui-r.

increase his mere Pit/WWI’- bY 51154118 blue 51G’. sure things, that DB? 7 3nd a per cent. and centrally so his“

has always taken a. leading part in education oi‘ the Life Insurance Agent, and enthusiastically endorses the Dr. Rockwell Congress.

CANADA LIFE

Elli! bettcr technical

K. S. Rogers

PROVINCIAL MANAGER

50mg years ago dllflilg ﬁll!) blltklli shnp scandal, intervlcwinz Charles m. Mitchell, president o! the largest bank in the United Stem. the writer asked him why the American , ,‘ were ‘ . “' it'll-PPM“ sellers oi blue sky and bucketsho- operators. Bis answer was that the Amid-lean people had no lcspﬂtt 101' established institutions.

Public Respects Insurance

Today they are btslnnlng to hlvt! more srld more respect for established institutions. That is seen in me enormous purchases oi insurance. Yesterday it was announced that they had purchased something like $16.- 100,000,000 last your, making the total in force equal to 887.000.000.000-

If they can be further educated w trust their funds to the insurance companies this total will soon be sev- eral hundred billions.

It is the duty of insurance agents t0 sell the idea to the public that titty can get an absolutely safe return from

North American Life

77w"

Assurance Co.

Extend to all The Season's Greetings

c. s. STEVENSON s. n McLABEN users McLEAN

HENRY LAPTIIOBNE W. G. SPENCER I. W. TURNER

their funds in insurance. Beisty is better than insecurity. Speed in 0b- inlnlng a loan on e DOllcy ls cqllllﬂi by no other ﬁnancial institution. The writer has btained loans from his policy within twenty-foul- hours otter the I .,uest.

The advantage of insurance com- pony handling the investment iunds of the small earner ls that the insur- ance company oﬂiclals have a better judgment of investments and will buy into those that will have greater vnluc to the country than will the small earner, who ls often tcnlpted to em- bark his small savings into n finalists] ship (‘summed by piraticsl crew 0! ﬁnimcilil _i'lll.l,l‘ll‘(lii.l,S. _

There rlrc mlmvroils policiv. nov: obtainable which can take mire c. almost. I“\0T_'\' need one can (“\lltf(‘l\'l‘ of, and il tho insured Wallis l'i"‘.ll fin- ilnitlsl ﬁlflllllLy for the lutlzic mm wants tn fV-‘l-li, hllnself by hrlplilc the .:ountry llS fl whole to grow steadily; ha can ﬁnd no better wnv than by pur- chasing insurance to "river his laricus needs.

Cameron Block

“The Maritime Life

The Home Company ~ T. W. Bentley -

MANAGER -'

Charlottetown, P. E. L

RliPItlJSldNTATIVIIB:-_ i r

J. J. IIORNISY, Charlottetown.

l). M. MORTON, Charlottetown.

E. KEITH CAMERON. Bummer-side. HEATH I’. CAMPBELL 1011; ‘Iver. JOHN SIMPRON, Illtllllihn.

“Ne;