Of the many forms of business and financial relation among men,

none is more important than those included under the name of
insurance
Of the many forms of business and financial relation among men,
none is more important than those included under the name of
insurance. Insurance is a form of mutual help. By its influence
the effects of calamity are spread so widely that they cease to
be felt as calamity. The fact of death can not be set aside,
but through insurance it need not appear as economic disaster,
only as personal loss. Its essential nature is that of social
cooperation and it furnishes some of the most effective of
bonds which knit society together. As insurance has become
already an international function, its influence should be felt
continuously on the side of peace. That it is so felt is the
justification of our meeting together to-day, as underwriters
of insurance and as workers for peace. The essence of
insurance, as Professor Royce observes, is that


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