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
In the midst of his career there seemed a chance for his escape. It
may be supposed that many intriguing women fixed their eyes on so
desirable a match, and that many young ladies were willing to share the
fortunes, for better or for worse, of the possessor of a fine estate.
At last the hour and the woman came, and the Yorkshire squire fell
in love with a young lady of singular beauty, half friend and half
companion to a faded demirep of fashion, who, aiming at the gentleman
herself, had committed the incredible folly of placing her friend’s
charms in comparison with her own. To fall in love was to propose, to
propose was in this case to be accepted, and the marriage took place.
Immediately afterwards they left the metropolis--the squire’s income
being much reduced by his liabilities--for his Yorkshire home, dreaming
probably sweet dreams of the future, and building castles in the air,
of which moderation and amendment were the foundation. For a period he
kept them. A son, heir to the entail, was born to him, and soon after
this he again made his way to London, for some reason which does not
appear. Once more within this vortex of pleasure, his good resolutions
failed him, and he was led to the same pursuits, the same pleasures,
and the same vices. He forgot his wife in the charms of new beauties,
he forgot his child, he forgot his home. He gambled, he betted, he
hazarded his all, until one fine morning, after a deep debauch with
some of his companions, where dice and cards with closed doors marked
its character, he arose a ruined man. He had lost more than his whole
life would redeem, the only security of the winners being his annuity
bonds on the estate, and his various life assurances should he die. At
the same time, he was aroused to a sense of the wrongs he had suffered;
he saw that he had been the dupe of gentlemen sufficiently practised in
the art of play to be called sharpers, and saw also, what was doubtless
the fact, that he had been cheated to their hearts’ content. Almost
mad, burning with consuming fire, he determined to be revenged. Another
night he was resolved to try his luck, and by playing more desperately
than ever, win back, if possible, the money he had lost, and then
forswear the dangerous vice. With a desperate resolve to outwit them,
in life or in death, he met the gamesters. He had hitherto arranged
all the losses he had sustained, and his opponents were prepared to
humour him. The doors were once more closed, the shutters were down to
exclude light, refreshments were placed in an ante-chamber, and for
thirty-six hours the last game was played. The result may be guessed.
The squire had no chance with the men banded against him, and high as
his stakes were, and wildly as he played, they fooled him to the top of
his bent. Exhausted nature completed the scene, and the loser retired
to his hotel. He was ruined, wretched, and reckless. He knew that if
he lived it would be a miserable existence for himself and his wife,
Public-domain text, read in full here on John Shaqi.
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