OCR Interpretation

The day book. (Chicago, Ill.) 1911-1917, May 02, 1916, NOON EDITION, Image 14

Image and text provided by University of Illinois at Urbana-Champaign Library, Urbana, IL

Persistent link: http://chroniclingamerica.loc.gov/lccn/sn83045487/1916-05-02/ed-1/seq-14/

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write me queer, unhappy letters,
can't you see you have everything
worth living for?
Why do you reach out into the un
known world? I have paid for every
phase of my experience. I want to
save you as much of that price as I
can. .
And, if you can't life-saved by my
advice, let your pride save you, on
this ground; That no genius ever
earned the title by aping others.
Genius is something that burns
in your own soul, so, until you find
yourself which means until you
discover what you are best fitted for
you cannot strike out on the ge
nius trail. And remember, even after
you have started, that there is no
royal road to the dazzling goal that
has such a radiant halo about it.
Do not imitate. Do not flatter. Be
yourself. And tell the truth.
Above all, do not imitate or flatter
me. When you write to me tell me
things that will make me feel that ,
I am helping you to accomplish some- x
thing worth while. Letters like that
will make me happy. The others dis
tress me.
"A few days ago I threw a $20,000
policy request into the waste bas
ket because the man's morals proved
.to be rotten.
"The public doesn't realize how
much business life insurance compa
nies reject for this reason hundreds
of dollars annually.
"From our standpoint it pays to
live a clean life. Indeed; it is im
perative." Insurance companies agree that
the "scarlet road" is one of the most
perilous hazards a man or woman
can take. Examining physicians,
agents and detectives in their employ
are constantly admonished to ascer
tain the applicant's possible secret
In the category of high moral
hazard come not alone love piracy,
but drinking and gambling.
"Plunging heavy speculation,"
added Boynes, "is very dangerous
from our standpoint The man who
plunges is quite apt to overstep, face
ruin and kill himself.
"It ought to be apparent why life
insurance companies, cannot accept
the high chances of death involved
in loose living.
"In the first place we could not
impose upon the morally clean the
high premium necessary if we should
Seattle, Wash., May 2. Guilty
affections are as dangerous as dyna
mite, in the estimation of life insur
ance companies.
None of the established concerns
are willing to accept the risk on the
love philanderer or the violator of
the seventh commandment
Death by violence, say the coldly
calvulating actuaries, is too prob
able. It is the commercial world's trib
ute to clean living.
"We regard the moral hazard as
equally important with the physical
condition of an applicant," said
Rob't S. Boynes, for 15 years with
one of the big insurance companies,
and former president of the Com
mercial club here.
"Illicit affections are a bar sinsis
ter. Policies are not issued to per
sons whose private life will not bear
the moral spotlight
"And every applicant, whether he
knows it or not," continued Boynes,
"is secretly investigated on this
"In every large city a corps of
special investigators is maintained
for that purpose. They keep tab on
the private affairs of policy holders
as well as applicants.

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