At an antique show a few years ago my wife Carolyn bought a letter signed by Calvin Coolidge while he 
governor of Massachusetts.

It now hangs on my Office wall as a fitting reminder of why the life insurance industry exists. It reads:

• There are certain obligations that every man owes to his family, his business, and his country.
• He owes it to his family that they shall not be left dependent upon charity.
• He owes it to his business associates not to allow the business to collapse by the loss of his personal attentlon.
• He owes it fo his country that the government shall not be deprived of its supporting taxes
  through the shrinkage of his estate.
• There is one way in which all men can fulfill each of these duties.
• That is by life insurance.
• In this day and generation, it would seem there is no greater blessing to prepare us against the future than life insurance.
• I believe in it sincerely and feel that no man can fail to take advantage of its proven benefits.

1992 - SOA - Meeting life insurance needs: 1970-1990, By Christian J. DesRochers, Society of Actuaries - 3p