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Show O UTAH VALLEY NEWS Friday, March 1, 1940 As Policy Holder Grows Older Should His Life Insurance Besnl Crow lag Contest Winners At tbs junior-senio- r dance last Arrangements ars bow com- Saturday evening prises were plete tor tbs Annual meeting of awarded for nine different of beards. Tha winners tbs Utah National Parks Connell, Boy Scouts of America, to bo held jin these events were: Lee Cannon, at tho Brigham Young university, Salt Lak City, best Saturday evening, March 2nd, an- Francis Lawlor, Picture Batts, claaal-ficatlo- A miIh of artideo will appear each week la this paper concerning life Insurance, bp Ur. Fraada W. Klrkham, written at the request of the Utah County Farm Bareaa. Dr. Klrfcham begaa hla study of life lasaiwace some SO pears ago while aa undergraduate student at the University of Michigan. With munp other citizens, he has eagerlp looked forward to the privilege of obtaining life insurance at the cost of the death loss, plus onlp the aweem rp administrative This opportaaltp has come, he declares, la the expense. organization of this Ltah Cooperative life Insurance Annotation, 885 Doolp Building, Balt Lake Citp, Vtah, sponsored and recommended bp the Utah State Farm Bureau Federation aad aump cooperatives la the State. The Vtah County Farm Bareaa haa an agency, Legrande Jarmaa of Orem la manager. Interested persona map Inquire at the office of the County Agricultural Agent la the City and County Provo, Utah. ! nounces Dr. M. W. Merrill, chalr-iT. Earl Pardos, C. J. Hart, and Roy Passey, all of Provo, who are the general committee In n; charge. Although life insurance costs more st age 60 than when you were younger, insurance agents argue that one should buy insurance at a level premium for life. They maintain that it is better to pay a higher premium to secure a paid-u-p policy in 20 years, or better still to pay a much larger amount and have an income in 20 years, and a paid-u- p policy at death. In these articles, it has years was quoted as costing maintained that tha more one $42. IS a year. After 15 yearly The Fellowship dinner, which commences at I p. m. will have a a umber of special features for Scouters, under the direction of Roy Passey, master of ceremonies. The Business meeting follows at 5 p. m. In College hall, with pedal features of District Oold tar awards. Scoutmaster Key awards, Bcouter awards, and 811-- 1 ver Beaver awards. Tbs latter for the three oustandlng Bcoutera In tho Connell during the past year. Bob Alberta, Canada, b lockets; Bayer, Idaho Falls, moat romantic; John Evans, Provo, reddest; Bill Reeve, Ogden, most artistic: Roland Jensen, Mantua, longest; Chaster Stone, Sslem, sparsest; Reg Li Ferre, Midvale, moat unique; and Bill Hansen, Orem, tbq most variegated colored beard. Two Prospective MY" Students ' la September of 1(55 there will la all probability bo two students i named Kimball and Johansen en--8 rolling at B. T. D. This forecast Is mads possible by the Messed events In tbs families of Rodney Kimball of tha athletic department and Dr. Alva Johansen of the chemistry department of our which last faculty, happened Saturday and Sunday respectively. I Dr. T. Earl Pardoe is la charge of a special play to bo presented on tho stage of College hall. The j general public Is Invited anf especially all Scouters of very;;; papa for life Insurance and tha payments, tha policy holder may District, which Includes Districts more one ha loaea cancel his policy and receive $560. and Troops. Ladles ars especially paps, tha longer In case of death. This is true While the annual payment after invited. because every dollar one paps 15 years continues at $42.95, yet, above the actual coat of protection as a matter of fact, the policy Is kept bp the Insurance company holder haa with the company $660 cost with safety, and keep your at tha death of the policy holder. of his own money, or savings separate." It is also true because onlp a part of his $1000 policy paid. Ton It Is absolutely necessary to inof his savings era returned to him sea the company la carrying now crease tha cost of Insurance with In case of lapsatlon of his policy. only $S40 of the insurance risk, tha age of the policy holder. Tho These two facts explain tha whereas In the first year It was total cost of Ufa insurance for (0 years, ages 5 to (5, is tho same growth of enormous reserves of carrying $1000 insurance. aa for tha five years of Infancy, life Insurance companies. Evidently during 15 years the and tha remaining ages above (5 j Overpayment for savings above cost of his Insurance haa grown j the cost of protection should be rapidly. Let ns sea what that cost years which a person may live. returned to tbs beneficiary at la after 15 years: 1. The policy This fact was proved by a re-- j, , death, and In part at least to the holder pays $42.55 annually. cent report of the State Board of policy holders at lapsatlon of 2. Ha could make 5 per cent In- Health by Dr. Dllworth Walker, their policies. Tha present Feder- terest on his $6(0 or $11. (Some statistician, and Eva W. Ramsey, al Investigation at Washington In- companies allow a Utah's divi- special agent. In which to the financial policies of life dend of about i per cent). These death rate was shown at 5.9 In insurance companies wm likely two Items total $70.95 for $140 19SI as compared to I.l in 19S8 result In just such a change. Insurance for one year, or ai for each 1,000 living persons. Once policy holders become actual rate of $20$ for $1,000 This decrease was largely in aware of tbs real source of these for oua year. communicable diseases and in intremendous reserves, they will Obviously if tho policy holder fant mortality. Only IS deaths withdraw their savings and re- had purchased a life policy In tha entire statii of Utah occurinsure In tha same companies or for $2S.$5 ho would have 1 red In 1129 from typhoid fever, others at lowest possible rates, cash available, and therefore tha small-pomeasles, scarlet fever, for protection only. They will coat of hla Insurance would be whooping eough, or dlptherla. thus secure their savings, and also lees. If he had paid only $17.65 Bat deaths from hearts disease, obtain tha protection wanted at for a whole life policy his lnsur-an- cancere, and tumors. Increased, cost would be atlll laaa. death. these deaths In tha degenerative Hence the maxim: Ia the last article of this series, "Buy in diseases of old ago, accounting an endowment policy at age IS surance for protection at loweat for one half of all deaths. Now get this picture: IS per cent of onr entire population are between ages of 5 to 65 years, and as ona half of all deaths occur during these ages, tha death rata is only 5.IS per thousand, or n net cost of $5.28 for $1000 insurance for one year, for all persona dying of all diseases in Utah in 1919. It is hard for tha aver-lag- e cltlsen to believe this, but tho State Board of Health report holds the proof. Tho death rata for children 5 years and for persona over 65 years of ago la 26.15 per 1000, which figures n net coat of $25.18 for $1000 Insurance for these ago Bend for Find out their superiority yourself. groups for one year. bend The answer is Cooperative Life until Then it splits. shingle any average with selected risks beInsurance, a TREE LIFE shingle. Note how it reaches a tween ages 5 to 65, and for burial benefit abova 65 years and below greater curve, how its strength resists splitting. 5 years. Bava your money In n and They are heavier than ordinary shingles separata fund, ao It may bo available at any time, bnt buy your the natural durability of Western Red Cedar life Insurance at lowest possible is kept In them by controlled drying processes. cost. t Remember too, that at 65 years of age, debts are paid, and tho Jatansfiag folder "A Better Red Cedar fliifls" free afaa requeit. children grown, and social security begins. Your children do not want Dad and Mother at age ITRI-STA(5 years to keep for saying TE them. They want their parents to spend their money and enjoy life. two-thir- ed . 20-p- x, ce TREE LIFE bo-lo- w CectarShingles! LUMBERS HELPFUL SERVICE 590 So. UniY. AveJ Phene: 20 Y AT ANNUAL DINNER Increase in Cost? ' Doings at SCOOTERS TO GATHER TIRE REPAIRING See Us Now U. 8. TIRES BATTERIES IN YOUR HOUR OF NEED you will fled this organisation competent to help yon. Wo will handle ovary detail In tha dignified manner ao characteristic of tho highest ethics of tha BRIMHALL BROS. Ill Worn 1 North Phoae ISO i mnmne: Prom Committee Chairman Announces Band Ted Beck's Band from tbs Palomar hall In Spanish Fork will furnish the music for tho Junior Prom on March 15, announces Marvin Smith, Provo, chairman of tho publicity committee. Meanwhile tickets for tha event have been on aalo this week and ars going fast. Tho decorations have arrived and tha decorations committee have been working on them for several days. Slum Stall Smil 'Quist Bam Park of the stste labor funeral jf(ome JOHN B. QUIST Registered Funeral Director and Embalmsr N. Unlv. Phone HORSES WANTED Old and Useless Animals Highest Price Guaranteed SEE YERGENSEN'S Phone FOX 038-J-- 4 FARM ... Sitting (right to left) Lazell Rabbins, president; Orland E. Pyne, second counselor; standing (left to right) Reed E. Gappmeyer, first counselor; June to delight the Spring Shopper Framption Collins, secretary. The above four elders are the new presidency of the Second Elders Quorum In the Sharon stake, following the release of Philo T. Edwards former president who was selected at a recent conference aa one of tha new presidents of the 123rd Quorum of Seventies. Elder Robbins, former first counselor to Elder. Edwards, became the new president, and he chose Elders Pyne and Gappmeyer for his counselors, while they chose Elder Collins as the new secretary, replacing Elder Gappmeyer, former secretary. This energetic group of priesthood workers invite all members of the Second quorum to their weekly quorum meetings. Topmost Prints A strictly fast color fabric in beautiful patterns, for House Coats and Dresses. Per Yard 19c Wash Fabrics Embossed Organdies in white and pastel colors. Just the thing you will want for your formal. Per Yard 49c FT Band Box Dimities and Muslins that Also Flock dot Voiles dance frocks. Per Yard will make lovely 21c and 29c Spun, Rayons in Pastel colors Per Yard and Floral prints. 49c French Crepes A new popular fabric that ia going over big. Comes in pastels and most attractive floral designs. Per Yard .59c Smart Bags price, only $1.00 Free Kail ting Instructions afternoons by Mrs. LaVolr EXPERT HOBE MENDING IfAllred USED i ' USED DAYBED and MATTRESS .. 2.50 10.95 USED .. 8.75 KITCHEN CABINET, (Unit) 6.95 7.95 USED KITCHEN CUPBOARD USED Furniture Exchange W. Center SL Phone 24 "WHERE YOU SAVE" TOP QUALITY ey- HAY Wffl Meet Any Price HAROLD MAAG HEINDSELMAN Optical ft Jewelry Cot, reporter) Wednesday evening. The Ward Relief Society held a octal In honor of Mra. Wanda Johnson at the home of bar mother-in-laMra. Jennie Johu-so- n Friday afternoon. Game were played and rafraehmeaU served. Wanda haa served second counsellor In Relief Society to Mrs. Sarah E. Hooley for tho past thrae ysars and haa resigned because tha Johnson family are leaving to make thalr homo In Montana. Mrs. Johnson was presented with a beautiful magazine rack as a token of appreciation for her loyal services In tha Relief Society presidency. B. Johnson was Dr. G. H. Heindselm&n About Yonr Eyes Our glasses stop hssdschs, ys strain and (Absoluts BmsMs GssrsBtosi) your vision. dsar ..Salt Lakes Newest Hotel .. removed Ha la much improved in health. Tha many friends of Lynn Gordon will ho pleased to learn ha ia much Improved In health after hla severs Illness for tho past three months. W. Dean Glllman, son of Mr. and Mrs. Raymond Glllman was baptised 8unday afternoon and confirmed a member of tho L.D.B. church Sunday evening at Sacrament meeting by hie grandfather, Ray Glllman. Mr. and Mra. Lalala Kirk and daughter Melba have left onr community to make their home OPPOSITE GREAT 900 Rooms 200 Baths Ilk In Montana. Mra. Marvel Walker entertained Friday afternoon In honor of tha ninth birthday anniversary of her son Don. Games were played and refreshments served to the many llttls guests present. The Sunahlne committee held a octal In honor of Mrs. Carrie Kirk, at her home Wednesday Mra. Nellie York aad Mra. 975 CHIFFONIER with mirror . 91 JO to 4J0 Hotel Temple Square Suit Imho OMy, Utah AH Wart Kzj Afar a Coated HIGHLY RBGOMMEUDED afternoon. Todays Best Furniture Buys SANITARY COUCH Ferry Nielson . The Linden ward Primary presented a show at tha ward chapel hrey. a sense of smartness. They come in combination aa well as in plain colors and the Easy Terms (Mrs. J. Fabric Gloves Gloves of quality, Gloves for style, .Gloves that give you 6 WINDSOR ' from tho American Fork hospital Saturday to tha home of hla daughter, Mrs. Janet S. Hump- You will marvel when you see the exquisite designs, trims and fabrics in our Dollar Bags. They are individuality PLUS. 310-31- Mrs; Bernice Chrlatenaen, accompanied by Mra. Zola Malone; a aklt, "Troth or Right," Primary officer; wise cracks, Mra. Kealah Pyne, Comic debate: "Reaolved that woman should ba prevented froS using cosmetics" Raymond Bran-- , son, Leallo Neves, Frank Newman, Dale Fugale, Wallace Hall and nil of Pleasant Tyler Rogers, Grove; poem, Mrs. Dorothy Elder and a aklt by tho mutual under the direction of Lyls McDonald. Dainty refreshments were served to the largo crowd. re- To see is to want to own , Members of tho Sharon ward met la tha ward house Thursday evening whore they enjoyed ward reanlon. William Vernon acted aa maatar of earemoaiaa and conducted tho following program: Song, "A Flag Without a Stain" by Verd Washburn; trumpet solo, Leo Varaon; remarks. Bishop Twltchall; trio, Mra. Malba Colder, Mrs. Nina Stratum and lations hoard ware the speakers. USED aamsssm Reunion Enjoyed At Sharon Ward Many new member joined the Workers Alliance Saturday night, following the meeting of Provo local 0150 in tho Labor Templo, at which standing room was at a premium, reports Mrs. Florence M. Keel, secretary. Arthur D. Coleman, secretary of the state employe union, A. F of L. William Zobell of tha steel workers committee, C. I. O., and New Arrivals 39-In- ch Aaroa-l- e Priesthood Sunday morning and outlined tho roqulromaats for tho church Merit Award for tho Aaronie Priesthood qaornms. Dr. Allan, from tha State Training school at American Fork will apeak to the Eldars Saturday 4 evening at tha chareh home os "Social Welfare Problems of Utah." of Elders' Presidency Workers Alliance Gets New Members DRESSER, (Walnut) OHatch Qim Harold Walker of tho High Connell mat with the No Interest Lu-11- a Walker entertained Saturday afternoon at tha York homo In Mra. honor of their sister-in-laGames were Orrin Bwensen. played after which dainty refreshments wars served to 16 present Mrs. Emma Nlcholoa waa tha gnsat fo honor at a shower, given at bar homa Monday afternoon. An enjoyable afternoon was spent and many dainty and naefnl gifts were received by the gneet Mrs. Lula Backus entertained at a shower Wednesday afternoon In honor of Mrs. Joy Marriott at bar horns. Games and social chat filled la the entertainment for the afternoon after which refreshments were served. Mra. Marriott received many beantlfnl gifts. The Daughters of tha Utah Pioneers of the Windsor camp held their monthly meeting and social at tha homo of Mra. Mary Jarman Thursday afternoon. The meeting for March will be held t the home of Mrs. Vsrtha Keetch. Kenneth Lowe returned to California Saturday after spend-la- g the past week visiting his parents, Mr. and Mrs. A. H. Lows. Mr. and Mrs. Arthur Peterson and daughter and Mrs. Joe Ernest and daughter of Bingham spent 8unday with their parents, Mr. and Mrs. Archie Maxflald. he Voice of (Bentral 'fcttah Presents News by TMsmSsI . . I I I Through tho farlltt lee of radio's world-winet, XOVO gives Central Utah velopmenta of EVERT de world FASTER! ! workl's mos service! Foe em nlng account of to Central Utah to tho ends of earth, keep (used to tho radio newscasts from XOVO! tho I 1210 ZfCilocycle& |