Elaborate legal statements which few can understand are attached to a policy which intimidates those who see them, from wishing to incur such unfathomable obligation. A few plain words in plain type would be sufficient for the guidance of the insured and the protection of the company. The uncertainty comes from permitting questions of popular interest to be stated by a member of the legal profession. If the terms of eternal salvation had been drawn up by a lawyer, not a single soul would be saveable, and the judgment day would be involved in everlasting litigation. An office known to me had judges among its directors, from which it was inferred by the insured that the office was straight. The holder of a policy in it, making a will, his solicitor on inquiry found that the office did not admit his birth. They had received premiums for forty years, still reserving this point for possible dispute after the policy-holder was dead, never informing him of it. When the insurance was effected, they saw the holder of it and could judge his age to a year. They saw the certificate of his birth, but gave him no assurance that they admitted it and it had to be presented again. In another case within my knowledge, the owner of a policy obtained a loan upon it, from a well-known lawyer in the City of London, who gave the office, as is usual, notice of it. When the loan was repaid he again wrote to the office saying he had executed a deed of release of his claim on the policy. That the office was not satisfied with this assurance was never communicated to the policyholder, and when many years later, the lawyer who advanced the loan was dead, and his son who succeeded him was dead, it transpired that the office did not believe the assurances they had received. They admitted having received the letter by the loan maker, but required to see the deeds relating to the advance and release and repayment of the loan; and they gave the policyholder to understand that he had better keep those deeds, as his executors might be required to produce them at his death. It was a miracle they were not destroyed. As the office had been legally notified that the claim on the policy had ceased, it was never imagined that deeds which did not relate to the office could be required by it. Under this intimidation the deeds have now been kept. They are fifty years old. This Scotland Yard practice of treating an insurer as a thief, detracts from the fascination of thrift. Another instance was that of a policy-holder who applied to the office for a loan, for which 1 per cent, more interest was demanded than his banker asked, and a rise of 1 per cent, in case of delay in paying the interest, and a charge was to be made for the office lawyer investigating the validity of their own policy, upon which the office had received premiums for forty-seven years.