"In considering the growing interest in the insurance question among people of the outside world, we find great numbers of laboring people, and of small farmers everywhere, who are beginning to understand that it is a question of vital importance, an open gateway through which they may gain access to the broad fields of abundance. Every day, both by observation and experience, they are taught that without the aid of some special insurance, nine out of ten who start in business fail. Also, that nine farmers out of ten, who start with a meagre capital, after twenty years of constant toil, find themselves the slaves of some money lender who holds a mortgage on the farm. These mortgages are largely the result of a hopeful struggle on the farmer's part, in a last vain effort to compete with the expensive methods of syndicate and bonanza farms. "No wonder the average worker is anxious to discover some method of insurance, that will safe-guard him against the disasters which have overwhelmed so many of his predecessors! No wonder these workers come to believe it possible, that out of a given number of say one thousand men, who start in life without capital, except such as they possess in ordinary health and strength; at least fifty per cent are liable to die in the poor-house, or in some way become helpless dependents on charity! Against such an alarming proposition, the average optimist or plutocrat, cries out, impossible! No, No! In this Republic, such things could never happen! Besides, how preposterous! Don't you know, that the general prosperity of the country was never greater than now! Why the wealth of the nation is growing at a marvelous rate! Never before, were fortunes made so easily! The way is open for every industrious man; no matter how poor he may be at the start. If people come to want in the midst of such golden opportunities, they have only themselves to blame.