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THE CHARLCTTEIUWN GUARDIAN »

‘Educaftional Congress , for Life

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Now in Progress of Great Interest to Local Insurance Men qnd the lnsuiinglliilblic""

Insurance With I i‘

Profit

Bmlde allordlng protection for your Family our policies are very profitable.

Increases in dividends for eight consecutive years. Insure with Canada's largest Company.

The Sun Life Assurance

Co., of Canada

Assets over 800.000.000.00. Insurances in force over Sl,500,000,000.00.

CONSULT OUR AGENTS 0R

J. A. Moore, Div- Manager

I - . I The Dominion Life Assurance Co.

and best wishes to the assembled lite underwriters and to the insuring public generally. May this educational congress bring w both a

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‘sincere g-

benefit.

C. M. WILLIAMS, B. Sc“ Charlottetown. B. C. JOHNSTONE, B. A., Long River. REV. J. C. MARTIN, B. A., Roseneath. W. E. BROOKS, 0'Leary_

GEO. W. MacLI-ZOD, Charlottetown.

S. K. TODD, Summcrslde.

Major J. A. MacKenzie

r1 ovincial Manager.

Bank of Nova Scot-la. Blllldilll- Charlottetown, P. B. I.

70 Prince Street,

Fool. THE” FLU

Not only do we extend heartiest good wishes to the assembled Lite Underwriters, but we hope the insuring public generally will now rulize the advisability oi‘ “Fooling the Flu" bytahing out adequate Life Insurance.

A. R. Mclnnis

DISTRICT MANAGER.

Imperial Life Assurance Company of Canada

Charlottetown, l’. I5. I

GENERAL AGENT

The Crown Life Assurance Co.

Extends to its policyholders throughout the Province Best Wishes for the New Year.

Br Roy I Holman

CIIARLOTTETOWN I

arhsonuitr mine.

itllla good a year

The EMPIRE LIFE INSURANCE co.

Gteete all n; Policy-holders anti Shlre-bolders‘ with

sincere Wish for

“A rmerllovs AND iuirrv new you" WeuoweIeraOompieteLtneofPolloytloutraota

SPLENDID DIVIDENDS

‘LOIS I T0 ‘ll.

Cone-loll IT OVIIt with:

p.12. n. McNeill

m... “w...” “was”: ""5. " by r onto ION. Minion-new Considered-

"‘ lint CHI INVESTMENT!-

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Mellon Gives , Time_l_y Advice

About Some Ways of Wasting Money Need- ed for Insurance.

The Secretary of the U. S. Trea- sury. Andrew Mellon, is the author of the following paragraphs of ad- vice: .

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l. Never buy stock in mines you know nothing about.

2.’ None but the rich can afford to trifle with oil wells. There are many good mining and oil investments, but how can you tell the good from the bad, or know the intentions of the promoters?

3. Schemers take advantage oi every important discovery or inven- tion; recently, in the wake of radio. came countless stock selling schemes. Many invested and lost.

4. Do you want to buy a swamp? ‘There are real estate pi-omoters who will sell you a swamp as "Shore Frontage?‘ if you buy property, buy near home,

5. Look out for new companies that are going to “sell by mail." No money will come in until sales are made. and sales require a good organization and time. They may never earn more than salary money, and that is paid

out first.

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

7. "Invest quick, 0r it may be m0 late.“ is a. favorite urge of the wild- cat stock salesman That should make you suspicious.

B. hook with suspicion on offers with special ‘ ucements in cash discounts or stock bonuses. Such an offer may be a trail. ind ma"? have been lured to misfortune by lt-

9. Your banker will tell yOu that "tips" on the stock market are worth- less. Those who have advance in- formation will not tell you, when they can profit themselves. '

10. The rich man can aflord to speculate. l! he loses, he has other money ln the bank. Not so the small investor, the man on a salary, with a family to support.

At Three-Day

Congress l

DR. CHAS. J. ROCKWELL

ERIC V. CROWN

Local llfc underwriters will have an opportunity oi‘ hearing an intcr- nationally famous author and lecturer on life underwriting in the person of Dr. Rockwell, of Chicago, who ls to conduct three-dayl Congresses in 14 Canadian cities under the auspices of the Life Underwriters‘ Association of Calnada and the local Life Underwriters’ Association. One of these Con- ZICSSQ» is being held in Charlottetown, January 5, ‘l and 8. Dr. Rockwell is accompanied on his coast to coast tour by Mr. Uhown, general secretary of the Life Underwriters‘ Association of Canada, who is visiting various

association centres in the interest of the association work.

To be Broadcast from Station

C.F.C.Y.

In the banquet room of the Victoria Hotel Dr. Rockwell will deliver an alter-dinner speech which will be oi’ great interest to the insuring pub- lic, as well as to the representatives oi life ’ surancc gathered round the '

festive board, on the with; nigh

f tit: Congress; so tune in on C1‘ CY

between 6 and 7 I’. M. on Tuesday. and hear this excellent speaker,

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‘Mary?’ is Potent Insurance Aid »

Sentiment Plays Partsin Determining Men to Invest.

Some clalmcthat life insurance is purely a business DIOPOEIUOII. ma?‘ fore, is without sentiment. This is not the case. Life insurance in most instances is all sentiment. It is sus- gestcd and p: mptcd by “Mimi-ml- Mcn insure for "Mary," in whom all their sentiment centres. She may be wile, mother, daughter or sister.

\ Everything, however. must have its business or commercial side in order that it may be practical. hove. marriage, home, all of which is the embodiment ofsentlment, must nev- ertheless be comme ‘ lized w the extent that the nlaterial thinlls B150 will be provided. Charity which ls prompted by sentiment will not main- tain itscli; it must be organized and puton a business basis. While there may be no sentiment in business. there must, nevertheless be very much of a business side to sentiment. In life insurance, sentiment l5 first and last, the business phase being only a necessary adjunct or incident- al. If there were no dependent wom- en and children, it is safe to say there would be little, if any, life in- surance. It would not be izvdemand as an investment only, , slncc there

are many other safe and profitable ‘

investments. But no other plan has ever been devised by which we can protect Mary. Men still take life insurance primarily for Mary. lust as they did before cash and other surrender values were known. Mod- em policies, with all their unprove- ments, only serve to make llie in- surance more popular. of greater value to the insured, and easier for the agent w sell, since they serve the _ double purpose of protecting Mary and also the insured ‘nlnfself. Every man knows that life insurance is a good thing; that he ought to have it, and that it is a mistake to put it off; but l the investment features and polic privileges in Christendom will not alone induce him m take it today. Investments can be had at any time, but this is not true of life insurance. It isonly the fear that Mary may be left unprovided for that will induce a mm to insure now. Mary ls the "lock, stock and , barrel" in life insurance. '-

FROM THE NEW YORK EVENING POST, ~JANUARY24, 19é8 ~ . INSURANCE

Insurance "Called Ideal Investment for Worker, Who Creates Estate and Cains Security —Buys a Share in Country

The numerous annual statements being issued every day now by insur- ance companies should indicate to policyholders and holders of insurance stocks bow intimately these financial organizations are connected with the growth and development of the coun- try,

Few business organizations have such excellent tatcments to exhibit to those interested, and it is a cause of deep wonder that the general pub- lic ‘nus not long ago seen the value of insurance as a pure investment aside from its protective fclture.

Insurance is an investment. It ls probably the safest investment in the world. In fact’, we know of none safer For that great class of huddle-class _w0rker and for the working classes insurance oflers a better investment than any other in existence today.

Small Savings Create Large Estate

The small salaried man can get through insurance an estate that he can never hope to attain through sav- ings. Flor instance, on a savings o! about $10 per week, he can create an eatatc o! $35,000, and after he has

id this amount into the insurance company for more than two years he can borrow a. certain portion of it back l! he should suddenly need it.

He may borrow up to the full loan value ot the policy at a rate of 6 per cent and still retain the policy in force. If he should dle before he paid hock the loan his estate is Plld he full amount of the policy less e amount of the loan.

If he leaves his dividends with the insurance company he is guaranteed an interest income of 1mm S to 3% per cent. ' is. through the cen- aral prectce of molt insurance companies, paid 4 or even- 5 P01‘ cant. in some instances. -

Suppose every wale eerner should put all h]; lnvlnflilnd investment funds into lnnirance. What would ll

. beuellt him and hbw would it benefit

tneoouakyatlnrgef Ihmaehllnedenlnveutranl. First and foremost it would place

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BY GEORGE A. MILLER.

funds into the hands of the most skill- ful financial minds in the country. The men who invest insurance mon- eys are perhaps the best trained fin- ancial minds in the world today. The larger companies often invest as much as a million dollars per day. They ‘must know their business. A glance at any of the printed lists of the hold- ings of any of the larger life, fire. casualty, or surety companies will show how nearly they have their in- vestments scattered so as to cover the entire country, and in some instances the entire world.

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

When a man buys an insurance D0116)’ hie is buying into a portion of all the securities that the insurance company owns. He is getting a share of the profits of all the investments scattered throughout the land, why should he not rather trust his moneys to the hands of experts, than try to increase his mere pittance by buying blue sky, sure things; that pay 7 and 8 per cent, and generally g0 broke,

a’ ‘I - IKJ:.IIf/P_~~ é, t‘; . _ W» . 4 .

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‘ will‘ llfg: ~W/"milligidiiiiw"' I

,1” QIXK sUR/‘illa? l)“

.13 the Strong of Life; Insurance

a Protecting i YOIIR

,._,.,.,>, anyhow 1-‘... 4.».

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Family ?

Some years ago during the bucket shop scandal, while interviewing Charles E. Mitchell, president of the largest bank in the United States, the writer asked him why the American people were always getting trapped by sellers of blue sky and bucketshop operators. His answer was that the American people had no respect for established institutions. i

Public Respects » insurance

Today they are beginning to have more and more respect for established institutions. That» is seen in the enormous purchases (of insurance. Yesterday it was announced that they had purchased something like $16.- 700.000.000 last year, making the total in force equal to 087.000.000.000.

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

' It is the duty of insurance agents w \ sell the idea w the public that; they can get an absolutely safe return from their funds in insurance. Safety is better than insecurity. Speed in ob- taining a loan on a policy ls equaled by no other financial institution. The

wrltelahas obtained loam from his _

policy within twenty-four hour; arm: the request.

The advantage of insurance com-

s E i i 2 l 3

The Great West Life Assurance Co. I

ESTABLISHED 1892

PROVIDING "SERVICE 1'0 POLICYIIOLDEBB"

Special Representative:

JAMES n. HUGHES, IIAIIOLDIM. STEWART. ALYRE ARSENAIIIII‘

HyndmanifélCoh Ltd MANAGERS ron rumor: EDWARD ISLAND CIIABLOITETQWN ~

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Life Underwriters of 1?. E. I. In Congress

We welcome you to Charlottetown and trust your dc- lll‘ tlons will lit! beneficial not till] to YDIIIGHVQI bill your policyholders u: well; 1

Confederation Life I Association

( SINCE 1871 I

W. (L-Hogg, one.

Provincial Manager.

Established ,

‘CANADA LIFE

b“ always Mien a leading part 1h the better technical education of the Life Insurance Agent, and enthusiastically endorses the Dr. Rockwell Congress. '

K. S. ‘Rogers

PROVINCIAL MANAGER

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The North American Life Assurance Co. Extends m all The Seasons Greetings

iilzmtv LAPTIIOIINE w. c. art-men .r. w. TURNER i

1.. s. srsvsusou g s. b. ‘mounts neon MeLEAN

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' The I.ife

77w 11°15", Company