Verhovayak Lapja, 1949 (32. évfolyam, 1-12. szám)
1949 / Verhovay Journal
- GE 10______________________________________________________________________________________________ Verhovay WHY TALK FUNERAL INSURANCE? WE NEED INSURANCE FOR LIFE! — Man’s real worth is revealed after his death, in the fate of his widow and children. — Journal__________________________September 21, 1949 “LAPSE D” The above caption has hausecfmany to retrograde, when they had originally started out to build an estate and planned to build a safe road for those who were dependent upon them, in the event some misfortune caused the insured to lose his life. Some lapse without reason, some lapse because of carelessness, some lapse because they just don’t care. In times and moments of discouragement many fail to pay their premiums and allow their insurance to lapse. It is not good judgment to lapse a policy, when your policy provides for the protection of your loved ones and that protection was no doubt the first, yes, the very first consideration when the policy was applied for; therefore, every effort should be made to keep your life insurance in force even though some sacrifice and economy in other respects may be necessary to that end. Do not give up your most valuable possession, for to accomplish what you would like before you pass on depends on you, as you are the one upon whom, you must rely. Relatives, friends, and acquaintances naturally wish you well, but if you have ambition and the will to succeed it is well to remember that the real and big things you desire to do depend upon you, remembering also that your loved ones depend upon you most. Each day may we signify by our actions that our part in life is not built on cynicism, but rather built on love and may we express our love in deeds and terms that tend to human helpfulness. No other course in life leads to a happier or more useful existence. We must not retrograde, but have and hold, remembering that a lapsed policy is a discarded estate, an admitted defeat. — North American Union News. Fair Warning “Nobody who has not sat where I have sat, can appreciate the tragedy in the words — no Life Insurance,” says District Judge Joseph E. Meyer of the domestic relations court of Polk County, Iowa. “Invariably when a woman applies for a widow’s pension, it is the same old story — no Life Insurance, or a very inadequate amount. “Of the last 111 applications, 43 report their deceased husbands carried no Life Insurance; 11 were left from $1,- 000 to $2,000 of insurance; 10 were left from $2,000 to $3,000; only 18 got more than $3,000 each. The rest (29) got under a $1,000. “The applications show that even larger amounts of insurance often fail, especially when the widow is left with a mortgaged home. “I believe if every husband and father could visualize his widow and children dependent upon public charity, he would provide protection at any sacrifice.” Of course, the Judge is right. Unfortunately, most husbands and fathers can’t visualize the fate awaiting their widows and children if they should die before their time. In fact, most husbands and fathers simply refuse to consider the possibility that they may die. And as far as sacrifices are concerned, well, let’s be frank and admit that lots of people will rather sacrifice their life insurance savings than forego something that they can enjoy right now. A DECENT BURIAL True, most people today are quite aware of the importance of life insurance. Nearly every breadwinner makes an effort to keep at least one policy in force — even at a sacrifice — in order that, in the event of his death, he may be provided a “decent burial.” As if the widow would get any benefit from being able to give her late husband a “decent burial!” Why so many people think of life insurance as merely a burial fund is a mystery. Life insurance is needed FOR LIFE rather than for burial. The costs of dying are an incidental item in the life insurance program of any sensible person. We are not in the business of furnishing burial insurance, we offer LIFE insurance that guarantees food, home, clothes, in other words LIFE, to the survivors of the insured. What kind of husband is it who provides for his wife, as a reward of her many years of toil and labor in the family’s service, merely enough to provide him with a decent burial? Could he be called a loving husband or would selfloving be the more factual description? Quite often we have heard men say: “It’s not a good idea to leave too much insurance to the wife.” Pray, why not? Or is it a better idea to leave her too little just so she can enjoy dependency on public charity to the greater glory of her doting husband’s blessed memory? Is that the standard of living and of human dignity that a man would think his wife deserves? PURPOSE OF FRATERNALISM From the very beginning, it has been the main purpose of fraternal societies to save the survivors of the working man, the small wage earner, from becoming dependent on public charity. The governments of the various states and of the Union always have looked with approval upon the fraternal societies built by foreign born immigrants because they knew that without these societies tens of thousands of immigrants’ survivors would have become dependent on public charities. These societies, including the Verhovay, have relieved the nation of an immense burden. By educating* the great masses of immigrants in the proper understanding of the value and importance of life insurance, these societies have rendered invaluable service to the economy of our nation. Fraternal societies had an important mission in this land, a mission that no one else would have discharged, because the commercial insurance companies have become interested in the average American citizen, the small wage earner, only during the last few decades. It was the success of' the fraternal societies that awakened the commercial insurers to the fact that the everage American citizen, the small wage earner, is a good risk and to insure him is good business. Then competition started in the field that was discovered, developed and faithfully served by the fraternal societies. Let’s not get -the idea, however, that the availability of commercial insurance to the small wage earner has made the fraternal societies superfluous, an outdated remnant of oldfashioned practices that cannot keep up with the ad-Frank J. Cher Assumes Management Of Both Trenton Branches — OFFICIAL ANNOUNCEMENT — As reported in the previous edition, Field Supervisor Frank J. Cher was elected Manager by Branch 417 in the first step of the establishment of an organizing district. At the meeting of Branch 13 in August, Mr. Eugene Szamosszegi resigned from the management of the Branch and, subsequently, the membership unanimously elected Field Supervisor Frank J. Cher as District Manager who, as of September 1st, 1949, handles all matters pertaining to the business of the Association for branches 13 and 417. Field Supervisor and District Manager Frank J. Cher has his office at 1041 Broad Street, Trenton, N. J. All members of branch 13 and 417 are requested to pay dues and report claims at the District Office. vances of our times. The words of Judge Meyer quoted above prove that the fraternals still have a great mission. When out of 111 applicants for widows’ pensions 43 report that their husbands had left them no insurance at all and 29 testify that their husbands left them less than a thousand dol- Jars, then it is obvious, that there still is very much room for insurance education, as furnished only by fraternals. Especially today, when changed economic conditions have created entirely new life situations that require adjustments even on the part of insurance conscious people. Due to the high costs of living, workers feel justified in demanding wage increases, but few remember that for the same reason the widows and children of deceased workers also are entitled to increased insurance protection. Today our Association has the same mission it had half a century ago: to arouse the sleeping consciences of fathers and husbands and to make them realize that they are risking the lives of their wives and children by being content with funeral insurance. It is our mission to make them realize that in life insurance they Two trucks met on a country road just wide enough for one. Truck driver No. 1, a scrawny, frail little man, leaned out of his cab. “Turn out, you,” he shouted. “If ya don’t, I’ll do to you what I did to the last guy who wouldn’t turn out for me.” Two-hundred-pound muscular driver No. 2, not caring to have trouble, pulled out. But as the other truck rumbled by, he yelled: “What’d ya do to that other guy?” “Turned out for him,” said No. 1. SEASONING Teacher: “Sammy, name the four seasons.” Sammy: “Salt, mustard, vinegar and pepper.” Tourist: “Is it far to the next town ?” are given an opportunity to assure their wives and children of a living even if death should deprive them of the breadwinner and that, given this opportunity, it is their sacred obligation to use it — at any sacrifice. It’s worth the sacrifice. Only he can close his eyes in peace who knows that he has provided the means for continued life for his wife and children, to the best of his ability. The guilt of him who has failed to do so will not be wiped out by the futile gesture of a “decent burial.” The reproach of the subsequent fate of his wife and children will survive the wreaths and flowers put on his grave by his friends. No one can be expected to exceed his abilities or to do more than is warranted by his circumstances. But that much he must do if he wants to be remembered by society as a man who has known and discharged his duty. Let there be no man among the acquaintances of our members whose wife and children must depend some day on public charity because he had no Life Insurance, or a very inadequate amount. THE HOME OFFICE. Native: “Well, it seems further than it is, but you’ll find out it ain’t.”
