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
About 1730, two persons resided in the then obscure suburbs of St.
Giles’s, one of whom was a woman of about twenty, the other a man
whose age would have allowed him to be the woman’s father, and who was
generally understood to bear that relation. Their position hovered on
the debatable ground between poverty and competence, or might even be
characterised by the modern term of shabby genteel. They interfered
with no one, and they encouraged no one to interfere with them. No
specific personal description is recorded of them, beyond the fact that
the man was tall and middle aged, bearing a semi-military aspect, and
that the woman, though young and attractive in person, was apparently
haughty and frigid in her manner. On a sudden, at night time, the
latter was taken very ill. The man sought the wife of his nearest
neighbour for assistance, informing her that his daughter had been
seized with sudden and great pain at the heart. They returned together,
and found her in the utmost apparent agony, shrinking from the approach
of all, and dreading the slightest touch. The leech was sent for; but
before he could arrive she seemed insensible, and he only entered the
room in time to see her die. The father appeared in great distress,
the doctor felt her pulse, placed his hand on her heart, shook his
head as he intimated all was over, and went his way. The searchers
came, for those birds of ill-omen were then the ordinary haunters of
the death-bed, and the coffin with its contents was committed to the
ground. Almost immediately after this the bereaved father claimed from
the underwriters some money which was insured on his daughter’s life,
left the locality, and the story was forgotten.
Not very long after, the neighbourhood of Queen Square, then a
fashionable place, shook its head at the somewhat unequivocal
connection which existed between one of the inmates of a house in
that locality, and a lady who resided with him. The gentleman wore
moustaches, and though not young, affected what was then known as the
macaroni style. The lady accompanied him everywhere. The captain,
for such was the almost indefinite title he assumed, was a visitor
at Ranelagh, was an _habitué_ of the Coffee-houses, and being an
apparently wealthy person, riding good horses and keeping an attractive
mistress, he attained a certain position among the _mauvais sujets_ of
the day. Like many others at that period, he was, or seemed to be, a
dabbler in the funds, was frequently seen at Lloyd’s and in the Alley;
lounged occasionally at Garraway’s; but appeared more particularly to
affect the company of those who dealt in life assurances.
Public-domain text, read in full here on John Shaqi.
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