Over 120 years ago, in 1893, a young, 19-year-old dry goods clerk in Ohio purchased a $1000 whole life policy for himself. Joseph Kopf had no wife or children and made it payable upon death to his estate. But growing up in a family with five brothers and two sisters, he must have planned to start a large family of his own. He also clearly understood that untimely death can happen. He lost one brother in a train accident and another to diphtheria. With the help of our general agent in Ohio, he turned to Phoenix for savings and protection benefits.