would say, then if there was no premiums at all to pay the business would fall over itself piling up. It sounds funny I guess, but that is the very secret of the new company I am organizing."
Anybody can see that Henry Wigfall is nobody's fool. The name of his new company he is going to call " The hireside Home Mutual Non-Premium Life Insurance Co." Henry has got the actuary books to prove all he says and when people get to know what sure chances against themselves there is in the old systems maybe he won't pull 'em iii ! For instance, according to their own books, a young man 21 years old, in good plowing health, has got 40 years and some months to live. And they charge accordingly. making it as high as they can in the high-priced cos. so as not to bleed a beginner to death, and shooting in calls in assessment cos. as fast as they dare. No agent ever tells a young man of 21 that he is sure to live 40 years in round numbers. Just the contrary, he tries to make him believe that death is waiting around the corner with a sandbag for him. More men are scared into life insurance than led into it by business reasons. Then, when you are in, the pestering with premium and assessment calls begins and is kept up until the man is drove out of all patience and quits. Then he gets a " paid-up." A paid-up is about
as satisfactory as the politeness you get from the sheriff after election. The paid up lives out your 40 years in the asset parlor whilst you are scuffling around in the cold for hog's meat and moderate corn bread. We are not arguing against life insurance when properly con-