182



LAYMEN'S RESPONSIBILITY

The people have seen to it, through legisla-
tion, Hiat they had reasonable protection in
regard to those practitioners who were ad-
mitted to the practice of law or medicine cfr
who were allowed to do other things of less
importance. They are equally interested and
should exercise similar precautionary meas-
m*es in securing the passage of such laws as
would make it impossible for any one to sell
or attempt to sell them Life Insurance
whose license to do this very important thing
was not predicated upon educational fitness
through standards laid down by the States
themselves,

A lack of understanding and co-operation
or recognition of the true nature of the prin-
ciples and practice of interdependence as
between employer and employee or between
the people, the State and any world move-
ment, or, in very fact, between nations and
peoples themselves, is responsible for a vast
nia j ority of all the troubles and evils of man-
kind.
With this fact in mind and considering the

133



1



LIFE INSURANCE

ramifying importance of sound Life Insur-
ance, there can be no reason other than short-
sighted supineness for the people in the

.United States not exercising a far greater
spirit of interest and co-operation in so re-
markable an institution, interwoven as it is in
both their home and business Uf e.
Finally, every policyholder should ever
keep in mind that the one best option in a
life insurance contract to exercise is carry-
ing the policy through to the end and without
ever passing a premium or borrowing money
on the policy. That the chief function and
all-important one to the insured is the select-
ing of his agent by the same standards em-
ployed in choosing a lawyer or a doctor.
