CHAPTER ONE
INTRODUCTION
1.1 Background to the study
The moral tents, which are accepted as right and good are in the first place economic principle, which if over looked will certainly retained the comfort and advancement of any civilized community and if followed will benefit all concerned. Take one of the common maxis namely, Help one another which is usually interpreted as meaning that it is proper to help those who need help. It implied that most of us are selfish and perhaps thoughtless especially in our youth. We should learn not to think exclusively of ourselves, but encourage sympathy and kind feeling toward others.
We can view the concept of insurance as being found on recognized need by a community to enlighten the burden of its individual members in periods of adversity though co-operation efforts. Here, is the justification for the existence of age grades, friendly societies, social clubs and the like which survive til the present day. All these are industry true and of moral import but there is a further aspect if we do not help one another, we shall quickly Detroiter in the scoop of civilization and shall liable to encounter trouble and accident and it should be recognized that the more expeditiously and effectively. This misfortunes can be surmounted to the better, it is not only for the one helped but for the community to which the suffer belongs in the early civilization, these were always many people who honestly tried to help those in trouble as there certainly are now but their effort could have many people suffered through disastrous made good by charity and kindly help. The dread of disastrous loss must certainly have restricted the opportunity of numerable trade but the whole mankind suffered to an extend which it is impossible to measure.
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