Annals, Anecdotes and Legends: A Chronicle of Life AssuranceFrancis, John, of the Bank of England
History
Annals, Anecdotes and Legends: A Chronicle of Life Assurance
Francis, John, of the Bank of England
Life insurance
Many years had passed since the above facts occurred, when the
secretary of an insurance office at the west end of the town, asked
the actuary who had elicited the above facts, whether his office
was disposed to take a fourth part of 10,000_l._ on the life of a
gentleman just proposed by a lady in connection with some marriage
settlements. An affirmative answer was given, an appointment was made,
and on the following day the lady and her lover met the officials at
the office. The former was a person of great personal attraction,
elegantly dressed, and elaborately ornamented; the latter had nothing
against him as a life, excepting perhaps that he appeared a most
inordinate fool. But the face of the lady, though changed by the lapse
of time, was strangely like that of her who years before had quitted
England so abruptly; and the resemblance, at first deemed ideal, grew
so positive that suspicion ripened almost into certainty. Nothing
occurred, however, on the part of the actuary to indicate it, and when
the cause of the insurance was demanded, a marriage settlement was
mentioned by the lady, who, with a smile and a simper, pointed to the
gentleman by her side as the happy man. To the health of the applicant
there was no objection; and as he was by no means overburdened with
brains, a private interview was sought with him, that he might, to
use an expressive phrase, be well pumped. This was easily done. When
he was asked whether he had any property of his own, he said No; and
it soon appeared that he had acted as agent or traveller for some
wholesale house in the City, and that his knowledge of the lady had
arisen from the introduction of a military gentleman, who thought it
would be a good match for him; and that on this they had proceeded to
some Zadkiel of the day, who had predicted their union. All this gave
no clue to an insurable interest, and when he was asked what reason
there was to believe in her great possessions, he pointed to her gay
dress, and expatiated on her rich jewellery. Such a fool was scarcely
worth a thought, so the place where the lady lodged was applied to;
but no information could be procured, excepting that she was supposed
to be “very respectable,” as she had an abigail and footman. It is
strange that, notwithstanding the difficulties of the case, the woman
succeeded in obtaining the insurance. Before the policies were duly
made out, she wedded the gentleman who wished to better his condition,
and “all went merry as a marriage bell!” One fine morning, however,
the woman where they and their servants lodged, came down in a hurry
to the office to say that on the previous night they had all got tipsy
together; that there had been a violent quarrel among them; and that
the servant had been overheard to accuse her mistress of prompting her
to marry a man to whom she was engaged, to induce him then to insure
his life, and afterwards to go to France, where they could easily make
away with him, and receive the insurance money.
Public-domain text, read in full here on John Shaqi.
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