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NEW TRU The Oshawa Works Depart- ment recently purchased a new truck to be used to clean out the catch basins in Osh awa streets. The special truck Board To Probe Cos Of Addition To Arena The Oshawa Children's Arena CK SIMPLIFIES will be operated by only two men. The job usually was done by six men. The use of the truck will enable quicker and more economical labor. Bowmanville Boy Killed By Auto BOWMANVILLE (Staff) -- A nine-year-old Bowmanville boy, riding his bicycle home from school, was struck by a car and killed Thursday afternoon. Steven Glen Malley, eldest son of GM employee Grant (Bob) and Marion Malley, of 292 Scu- gog street, was cycling home from the Lord Elgin Public School after 3.30 p.m. The lad emerged from Frank- lin Park onto Scugog road and was hit shortly afterwards by a north-bound car driven by vet- erinarian, Dr. D. Campbell Mac- Master, of North street, Port Perry. Police investigation indicated that the boy was carried 132 feet on the hood of the car. His bicycle was dragged beneath the auto. Coroner Dr. Charles Austin pronounced the lad dead of a broken neck upon arrival in heavy rain shortly |§ The Osha Sine SECOND SECTION OSHAWA, ONTARIO, FRIDAY, SEPTEMBER 15, 1961 PAGE NINE pitai. The fatality is Bowmanville's third this year. In the previous | seven years there were no fatal accidents. Constable Donald Anderson, of the Bowmanville. Town Police Department, 'is investigating the tragedy. The remains are resting at the Morris Funeral Chapel for serv- |ice in the chapel Saturday, Sept. Rl ANIN done on when the truck was first used. The truck, completely equipp- ed, cost $14,528. --Oshawa Times Photo CATCH BASIN CLE In the picture Fred Crome, city engineer, left and Ald. Walter R. Branch, chairman of the board of works com- mittee, right, inspect work Manager Smith told the com- Commission, at its meeting| mission, in his quarterly report, | Thursday night authorized/he had completed a course in| Chairman William Kurelo and|zrena management and would | Manager William Smith to|soon receive a university degree| work out the costs of an addi-|in that subject. ! tion to the arena. It is planned a p to include washrooms and a WORK HELD UP . ded t dressing room in the proposed , NO major repairs are neede addition. for the ice-making machine this season, although the overhaul of| t Bridge Club High Scores The high scores for games played by the members of the Oshawa Duplicate Bridge Club, It would take approximately Tuésday night at Woodview eight days to prepare the ice Park Clubhouse, were: i surface for the coming season,| North and South -- Mrs. E. Mr. Smith told the commission.| Wadsworth and Mrs. M. R. Taking into account the wea-| Clarke, 123 pts.; J. Patterson ther, he hoped to have the ice and J. Miller, 122 pts.; Mr. and ready for use by Oct, 12 or 13. Mrs. Davis, 118}; pis.; This would mean that the Osh-|J, Rundle and Mrs. N. awa Minor Hockey Leagues Daniel, 115% pts; G. Adams could begin operations earlier and S. Sheridan, 109% pts. Mrs. F.|11 The subject was brought by the chairman when he re- called that Her Worship Mayor Thomas had mentioned, a' ' prvious meeting, hat it ne Walker and Ald. Hayward Mur- doch put their problem in front of city council. DISCUSSED PREVIOUSLY said. UP|the machine is held up by the |lack of some small parts. These rere only avr i'able in the Unit- d States « were being shipped from there, Mr. Smith Attendance at the arena during the summer season was down over last year's figures. Mr, Smith said the reason for this was that teenagers are find- Ald. Murdoch reminded the|ing other forms of entertain- commission that the subject had ment and that adults are re- been discussed previously, but|stricted by baby sitting prob- that was after the commission's| lems, etc. There also seemed to budget had been handed down/be a lack of organization in for the year. However, Ald. Mur-| some of the clubs using the doch said he would be prepared arena. Once these internal prob | to ask council to have plans|lems were straightened out, he| drawn up for a small concrete felt sure attendance problems block extension. would be overcome. Facts Essential To The Investor Emphasis on intelligent and|gering their financial position, wise investments in the pur-/Mr. Smith said. You should be chasing of stocks and bonds able to know the difference be- through a thorough knowledge tween absolute and relative of the market's operation was|stocks. presented by A. D. H. Smith] A thorough knowledge of mar- at a meeting of the Lakeland|gin trading must also be acquir- Chapter of the National Officeled because of its effect on the Management Association atimarket. Hotel Genosha, Thursday even-' anther important factor, ing. which should be familiar with Mr. Smith, in familiarizing|the investor, is how the various his audiefice with the subject,|types of orders are placed in - briefly outlined a history of in-|broker's office and what the| vestment clubs in both the Unit- types of orders are, such as ed States and Canada. He said'day, open, stop loss and limit though there are 20,000 invest- orders. Quoted prices apply to ment clubs throughout the Unit- board lots whereas odd lots are ed States, compared with 2000| generally more costly per share. in Canada, about 500 of which/ Board prices vary with the are members of the Canadian price. of shares from 500, which Association of Investments are cheap, to the more expen- Clubs (CAIC), an optimistic ap- sive quantity of 10. proach for a nation wide in- "Increasing earnings tend to of the iods, he moved that the arena manager set up a schedule for t during the coming season. The than in previous years. This East and West -- Wm. Cox factor had in the past, been one and J, Coles, 145 pts.; R. White of the main contributing fac-|and R. Harrison, 140 pts.; Mrs. tors to the start of the hockey navies and Mrs, Medland, 135 season in Oshawa. pts.; Mrs. I. Kitchen and Mrs. Chairman Kurelo raised, ra-|R, Drew, 102 pts.; Mr. and Mrs. ther forcibly, the point of ice|R; Morris, 101 pts. time for the home and school| The next game will be played clubs. These periods usually re-|gopt 19 at Woodview Park Club sulted in almost as many adults House at 7.45 p.m. as students using the ice and, chi : : considering the charges for use ice during these per- hese clubs at an increased cost motion was adopted. ICE TIME FILLED During the meeting it was an- nounced that the schedule of ice- time for the coming season was com; i ith the excep-| "= ~ : A tion Pictely Sed with It CeP- | ship Council Thursday night. also decided that season passes _1he resolution was sent from would be issued to certain mem-| Peel County, and resolved to bers of the press, radio and city petition the federal and Ontario council. This, it was felt, would|governments to legalize the create better public relations|sweepstakes under government and interest in the activities at!jurisdiction and examination. the arena. Reasons for the resolution Installation of automatic Was given as the high cost of vending machines to replace, in building new hospitals and the On Sweeps Delay Action 16. at 2.30 p.m. In addition to the parents, two childrén, Dennis and Karen, also | survive. at Bowmanville Memorial Hos" 3 REPRESENTATIVES FROM | Nordair airline company of Montreal met with Mayor Christine Thomas and mem- bers of the Oshawa Chamber wer wi we Museum Project Plans Formulated Ex The main topic under discus- sion at the first general meet- ing of the Oshawa and District | was the forthcoming Museums| attendance record of 766 paid| Workshop to be held at Hotel admissions. In all, the atten-| Oshawa to begin Oct. 1. Genosha October 13, 14 and 15.| Mrs. G. D. Conant, president| Were 2029 and 21 groups and or-|tion supervisor of the airline ciety and general ganizations made up parties to company, was speaking to the {of the local so convener of the forthcoming| annual workshop of the Ontario Historical Society, stated that {150 people are expected to at-| [tend from all over Ontario, to-| | gether with a special party of from Manitoba. This party t a view tol |is being sent by the Government |of Manitoba with ma tario is preserving its antiqui- ties, and the possible setting-up of some similar historical as- sociation in Manitoba. OUTSTANDING SPEAKERS Dr. William Spawn, of the American Philosophical Society, will head the workshop, assist- {ed by his wife, formerly of the (Rare Books department of Philadelphia's library, and Paul Young from the Toronto Pub- lic Library. | Practical instruction in the care and repair of old documents, | prints, books, photographs| and manuscripts will be given| and a special feature will be the fact that delegates will bring A resolution on "national hos-| their damaged books or prints! pital sweepstakes" was consid-to Oshawa and work on the ered by the East Whitby Town- repairs under the professional | eye -of the three instructors. One of the headaches confront: ing the general convener is how to get running-water into the conference room so that {these practical demonstrations {can take place. Before passing on to other business, Mrs. Conant called for volunteers to man the registra- tion desks and received the House Museum during the sum- mer season from May to Sept- ember. May and June were both \Historical Society held this fall, busy months, June setting an dance figures up to September visit Oshawa's little museum. popular of Commerce at a luncheon | Thursday at Hotel Genosha. | The purpose of the meeting | was to discuss the inclusion of Oshawa in the company's |AIR SERVICE "Use it or lose it," was the advice of Terry Coghlan of Nor- dair on the airline service to Mr. Coghlan, who is opera- Oshawa Chamber of Commerce in a luncheon meeting at Hotel king a report on how On-| These 21 groups had their in-|Genosha Thursday. terest aroused in the Henry| The company appreciates the House by Mrs. Gower herself,| fact the flight schedule leaves a who spoke last winter to 43|lot to be desired, but it is in different groups on the work|business to make a profit, he |being done by the Oshawa and said. To do this, people must District Historical Society. Al-| make use of the services it ready a number of new groups| provides. have approached the busy Cur- ator with requests for the com-| DISSATISFACTION VOICED ing season and Mrs. Gower has| Mayor Christine Thomas had agreed to fulfill these speaking| previously expressed council's engagements. Since these talks|dissatisfaction with the flight "Seaway Route" as of Oct. 1. Left to right are: Douglas Fisher, Chamber general man- ager; William Hart, president; Gerald Cooper, Nordair traffic representative for southern | | | convinced the potential for a profitable air service is here, she said, but it is here if peo ple will support and make use of the airline. Because businesses cannot al- ways anticipate a profit in the first few months of operation, it will take about a year to see if the enterprise is successful, Mayor Thomas stated. It is the intent of council to co-operate with Nordair, but at the same time, the company should give the type of service its customers want in order to make a profit, she said. The mayor's main criticism (was that a passenger cannot Ontario; Mayor Thomas, and Terry Coughlan, Nordair oper ation supervisor and spokes man for the company at the meeting. ~Oshawa Times Photo Air Service Schedule plained At Dinner Montreal daily at 6.50 am. Eastern Daylight Time and ar- rive in Oshawa t 9.05 am. B® then goes on to Windsor, arrive ing there at 10.50 a.m. Eastern Standard Time. Another plane leaves Windsor daily at 5.50 a.m. EST and af- rive in Oshawa at 9.05 am. It EDT, arriving in Montreal at 1145 a.m. EDT. These times will have to be adjusted slightly with the return of standard time. The first major change in the time-table will be made when Nordair introduces its new tur boprop-powered Dart Herald, which will replace the DC-3 return from his destination the same day as his flight FLIGHT SCHEDULE presently used over the "Sear way Route". The plane is exs pected near the end of this take up a great deal of time|schedule. Nordair is still not A plane is scheduled to leave | year. a very sincere vote of thanks was offered Mrs. Gower by all| members present who are cog- nizant of the fact that such talks are invaluable publicity for the | Henry House Museum. Underwr MUCH TO BE DESIRED Mr. Coghlan admitted that having Oshawa added to its routes "confounded" the come pany, as they had to revise their schedules to include it. iters part, the present canteen facili- fact the majority of hospitals ties, was discussed and the|are hard pressed for space and idea endorsed. Manager Smith have an inadequate number of was authorized to start nego- beds : tiations regarding this matter The matter was discussed and, prize draw were Mrs. R. Owen as soon as possible. tabled for a vote at the next'and Earl Hann. names of L. R. Barrand, Rev. Dr. G. Telford and Mrs. E. C. H. Jury. Volunteers for the door -------- [regular council meeting. 5. C. Cornelius gave A letter from the Ontario De- treasurer's report ot] Accused Must partment of Highways approv-ied a $10 donation to the so- ing the contract for construc-|ciety's funds from the Con- tion of Rahme Bridge on Con- sumer Gas Company in grati-| Pay Poll Tax cession 6 by Mel-Ron Construc- tude for the loan of one of Tom | tion was noted and filed. Bouckley's popular photographs! Charged with non-payment of | Jeeve Nell Fin signed a of old Oshawa. vv John|statement authorizing applica- the I Ps Hing +t rection to the department of high. TOUR APPRECIATED east, was placed on suspended Ways on statutory grant on Letters were read from the sentence, by Magistrate R. B.|I0ads and bridges expenditures sewing group of the Golden Age| Dnieper here Thursday, on the from Jan. 1, 1961 to Aug. 31,|Club thanking the society for| provision that he pays the tax 1961. Total cost was stated as|the enjoyable trip to the Henry| plus $1.50 costs within 30 days. $41,656.41. House Museum, and from Mr. | RESEARCH WORK Mrs. Conant expressed the hope that Mrs. Oscar G. Mills would continue her good work in the research department. She remarked how wonderfully interesting the resulting histori- cal bulletin "The Lanthorn" was and how enthusiastically it had been received by the mem- |bers. It was sugegsted that a {copy of this splendid pamphlet be distributed to all delegates at the forthcoming Museums' Workshop. Speaker for the evening was {Mrs. N. Gower who gave a |brisk and interesting report on the 1961 Ontario Historic Socie- ty's Convention at Vineland last June, and a vivid word picture of some of the fine pioneer kit- chen utensils that had been on Hear Addresses About 200 life insurance men gathered today in Oshawa for a regional conference sponsored by the life underwriters asso- ciation of Oshawa, and the Life Underwriters Association of Canada. A delegation of life un- derwriters was on hand from Peterborough and the Simcoe Muskoka Association. Well - known life insurance speakers from Canada were [here to discuss the latest me- 'thod of life insurance market- ling - and service. 'These con- ventions are held annually," said Ted Hutton, president of the Oshawa Association. "They are one part of our national as- sociation's program of life un- derwriter education and train- ing." display there. One especially ori- ginal touch she noted, was that| one of the special speakers who| talked on Pennsylvania Dutch| and German food had actually| baked and brought along these) mouth-watering goodies from very old, original recipes. Mrs. Gower assured her audience that our forefathers ate ex- tremely well! | The meeting closed as usual) with coffee and cookies (1961 variety) being served by Mrs. G. McKay and her com-| mitee. THREE SPEAKERS Speakers at the meeting were Gelindo D.. DeRe, Associate CLU, of Empire Life, Kingston, David Donaldson, CLU, London Life and Murrough "Pat" O'Brien, CLU, of Northern Life Assurance. The Life Underwriters Asso- ciation of Canada represents more than 10,000 life underwrit- ers in 76 communities across the country. It sponsors the two- year Life Underwriters Associa- tion Training Course (LUATC) and the advanced three-year course leading to the designa- | lows you to put them to work for you." POSITIVE ATTITUDE : The main ingredient in a posi- tive mental attitude, Mr. De Re stated, was benevolence -- en- joying doing things for people. "If you don't enjoy helping peo- ple, then quit selling life in- surance," he said. "For that matter, quit selling anything." Summing up his talks, Mr. De Re said, "To whom much is given, much more is expect- ed, I never look down at anyone with less talents than myself. Rather, I envy them. They have so much less to account for. I know I have been given much, and I am grateful. But some- times I wish I had not been so {richly endowed because it keeps me hopping trying to balance my account, But I'll let you in on a secret: although it keeps me busy. it also keeps me happy -- happy because I am busy, because I am getting things done, because I am ful- filling my obligations. "And I have found out one more thing, too. Whether you are a superintendent of agen- cies, or a branch manager, or an agent, you are doing the work of God when you help another human being lead a more abun- dant life. No matter how you do being lead a more abundant it, if you help another human] The schedule leaves much to be desired, he said, but it is difficult to satisfy everyone. During the question period, Mr. Coghlan told the assembly limousine service from down- town Oshawa to the airport is being arranged. Reservations will be available from any trav- el agency, he said, and the line will link up with other lines. FARE SCHEDULE One-way fares as indicated on the schedule Mr. Coghlan dis- tributed are as follows: between Oshawa and: Montreal, $20; Windsor, $16; Sarnia, $15; To- ronto, $6; Kingston, $12; Fro- bisher Bay, North West Territor- jes, $135; Forth Chimo, P.Q., $115; Great Whale, P.Q., $86 Children up to the age of 12 will be charged half fare. Failed To Renew | Insurance Books An Oshawa employer was fined $25 and costs or 10 days in jail in magistrate's court here Thursday for having failed to re- new his Unemployment 'Insur- ance books within the time pre- scribed under the Unemploy- ment Insurance regulatiens. This was the second such of- fence of which William A. Mc- crease may soon be realized as a vigorous program is expected to be formulated next year SPEAKER PANELS "A speaker panel js being set up in a majority of towns and cities and speakers will be trained to be better versed on the subject. In two years, mem- ber clubs are expected to reach the 1,000 mark throughout the Dominion of Canada Continuing his talk, Mr Smith emphasized the impor- good for the purpose of invest. from the armed forces in 1945, tance of an intelligent approach| ment instruction, should be ob-|{but has been staying there full- in making investments in this|{ained at libraries along with time for about three weeks. capacity. He pointed out that people <hould at first be famil. iar with the financial "alpha- bet" which consists of knowing the definition of shares, rights, warrants convertible security. "Financial tools must be ac- quired," Mr. Smith continued. "You must know the price earn- ings ratio and the payout per- centage in dividends of compan- ies and what a dividend is and its origin. You should also know what depreciation and depletion is, its effects on stock and bond yields, and what prime inferest is. FUNDED DEBT The operation of a .funded debt must also be thoroughly understood for this reason. Peo- ple who buy these stocks with- out the proper knowledge of their 'security, will be endan. an Other reports included one on W. H. Cranston, Chairman of the [tion 'Chartered life Under- Arthur, owner of TV Enter- debenture, put stocks up over a period of time," Mr. Smith said. "The end of a rights issue also tends to increase stock prices. How- ever, impending rights issues tend to bring down the price of stocks," he continued. 'Inflation has robbed us by approximately four per cent per year since the turn of the cen: tury" SUGGESTED LITERATURE Suggested literature, which is various reputable financial pap- ers. The objective of the CAIC is to assist and encourage Cana- dians into becoming intelligent investors for the benefit of themselves and their country. Mr. Smith is no stranger to Oshawa as he estimates this to |be approximately his 450th visit | here. Joining J. R. Mooney and Co. Lid. he became a custom- ers man in 1955 and was elected as director of CAIC from 1959 and was re-elected in 1960 and 1961. Mr. Smith's activities with the CAIC include speaking at 50 investment club meetings in 1960, editing the Monthly News Letter for a year and helping to organize investment clubs. | Robert Malcolmson was pre- fsomted with a plaque in appre- ciation for outstanding service as president during the last year. ! {Fractional Master Puints The accused, who admitted being a resident of Oshawa dur- ling 1961, told the court he is an aircraft worker. building permits issued up to Aug. 31, 1961, total value of which was $169,325. Current . taxes collected to Sept, 12, 1961, Mr. Charleton told court he is were reported $129,935.82. Ar. an aircraft fabric worker, and rcars of taxes as of Sept. 13 has to move his residence were $632.95 for 1958 and {with his frequent change of jobis1 602.01 for 1959. Direct relief |locations. He is presently work-|issued during August amounted ing at Malton and lives with his|to $95.50 to five persons. {father at 1105 King street east, he said. He has lived there off and on since he was discharged, 30 Carpenters Go On Strike TORONTO (CP)--Thirty car- Charleton | Penters went on strike Thursday "In the last six years, I have | spent less than half of any one year in Oshawa," said. at a north Toronto project .on _ the ground there had been too much delay in settlement of a jurisdictional dispute in which they were involved. The workers, members of the United Brotherhood of Carpent- Fernhill Bridge Club Results or an oner: Co) spa The winners and high scores|board two weeks ago, protesting in the games played by the|that lathers on the project were members of the duplicate|doing work normally given to bridge club al Fernhill P a r k|carpenters Clubhouse Monday night were:| The case was turned over to John Miller and F. S. Patter.|the Ontario Jurisdictional Dis. Ey ri (lari | PUtes Commission ays ago, Son: Sake but Chairman Herbert Orliffe {and Mrs. Nelson, 20 points. The asked the parties Friday for | o {more details. Rowell System was useq. Mr. Orliffe said Thursday An added attraction ne xt|night he has received no replies Monday will be the play for the but will call a meeting to reach an interim defjsion. Archaelogical and Historic Sites {Board of the Province of On- tario, remarking how much he enjoyed heing present at the un-| {veiling of the plaque to com-| |memorate the McLaughlin Car- riage Works site at Tyrone. Mr. Cranston's letter also congratu- {lated the Oshawa and District | Historical Society on the excel- lent progress it has made in the short time it has been operating. Mrs. N. Gower reported on the attendance at the Henry PLAN RECEPTION (FOR VIPONDS Dr. and Mrs. Claude Vipond will be guests of honor at a reception being held at Hotel Genosha at 8 p.m. Tuesday, Sept. 19. Dr. and Mrs. Vipond leave next month for Malaya where Dr. Vipond will engage in med- ical work under the Columbo Plan. The reception is sponsored by the Oshawa Liberal Asso- ciation, It is expected that | all sections of Oshawa and Ontario ridings will be rep- resented and that a number of visitors from other sec- tions of the province will attend. | | | | | Impound Auto Three Months Not many men would agree they are lucky to go to jail for 30 days, have their driving li- cence suspended for two years and their car impounded for three months. Nevertheless, that is what Magistrate R. B. Dnieper told Ivan Rayner, 22, of 283 Thomas street, Oshawa, in magistrate's court here Thursday. "You are the luckiest man on earth to be here this morning," he said. "Going through that stop is certain death." Rayner was charged with driv- ing while drunk. Police testified he was picked up at the CPR tracks on Ritson road Wednes- day, Sept. 13, at 8.50 p.m. The officer said the accused appear- ed drunk and it seemed he had crashed through the railway crossing gates when they were |down to indicate a train was | going by. After hearing Rayner's record involving convictions on charges of drunkenness, Magistrate Dnieper asked if Rayner had a liquor problem. The reply was In reply, the magistrate said: "You've been paying fines, but you've never been in jail." The accused was then given the 30 | writer" -- more commonly known as CLU -- which is ad-| | ministered by the University of Toronto and Laval University] in Quebec. AGENTS EXAMINED Gelindo D. De Re, associate |CLU, superintendent of agen: | cies, The Empire Life Insurance |Company, Kingston, spoke twice. His talks were entitled "Anatomy of an Agent" and | "The Ingredients of a Positive {Mental Attitude". Mr. De Ke, a graduate of |Queen's University, Kingston, {and of the University of Toronto, |directed Chartered Life Under- {writer course of study, broke the anatomy of a life under- writer into five parts: selling ability, prospecting - ability, work habits, knowledge and mental attitude. Acknowledging the impor- tance of each part, neverthe- less Mr. De Re stressed that a positive mental attitude is the most important, most neces- sary part of a life underwrit- er's anatomy. 'You can get by without any one of these component parts, possibly even achieve great success without one of them. But the life under- writer without a positive men- {tal attitude is like a furnace | without fuel. A positive mental| attitude complements the tech-| |days, plus the other penalties. [nical areas of your ability, al-| Many life insudance salesmen life, you are doing the work of God. And I congratulate you on how you can do just that by selling them appropriate amounts of life insurance." CITES EXAMPLES Murrough. "Pat" O'Brien, CLU, manager, Northern Life Assurance Company, London, Ont., spoke on an address en- titled "As Seen rom The Ivory Tower", Mr. O'Brien illustrated true cases of agents who started out in the life insurance business with the same background, en- thusiasm etc. and went on to explain why some succeed and others fail. GROUP INSURANCE David A. Donaldson, CLU, partner, Elder, Donaldson and Crofts, Toronto, (which firm is| licensed with the London Life Insurance Company), in his ad- dress entitled "Our Shrinking Market -- Fact or Myth?" re- ferred to the tremendous amounts of group life insurance put into force during the past decade, Group life insurance, he explained, is usually issued without medical examination on a group of persons under a mas- ter policy. It is usually issued to an employer for the benefit of employees and the individual members o the group hold certi- ficates as evidence of their in- surance. 4 prizes, 253 Drew street, has {been convicted. The last convic- |tion was March 24. An inspector of the Unemploy- ment Insurance Commission told the court he had requested in writing that Mr. McArthur re- turn the books, but that the |books were not returned. Mr.. McArthur testified his bookkeeper had assured him the |books would be returned as re- quired. have been heard to express the opinion that the larger amounts of group life insurance now available to Canada's working {force will have a detrimental effect on the amount of individ. ual life insurance they can or will sell in the future. Mr. Donaldson assured his audience that this was in fact a myth and that if a life under writer were prepared to inte. grate group life insurance bene. fits into their clients' program they would find that there are still substantial areas of insur- ance need which havé not been covered. He was quite confident that most policyholders would be only too willing to consider additional personal life insure ance purchases once they were convinced that their group life insurance could be integrated into an overall family 'security program, i