Life insurance -- Fiction; Life insurance agents -- Fiction; Short stories
In the afternoon he put in an application and suggested that, as a
matter of business convenience, he would like to be examined at once.
Two days later he was politely informed that the company, on the advice
of its physician, felt constrained to decline the risk. But the man who
is condemned to death does not give up hope: he appeals to a higher
court, holding to the last that an error of law or of fact will be
discovered. Wentworth appealed his case, but the verdict of the
specialist he consulted was the same: he might live many years, but he
might die at any moment.
“I would advise you,” said the physician, “to give up active business
and to get your financial affairs in the best possible shape. If you are
to live, you must take unusual precautions to avoid excitement and
worry.”
Avoid worry! What a mockery, when he was deprived of the opportunities
to make proper provision for the little woman and the baby! He was
well-to-do, but only so long as he continued to live and make money.
Some investments he had, but they were neither numerous nor large, and
not of a character that would be considered absolutely safe. He had
invested to make money rather than to save it in most instances, so the
amount that he had in really first-class securities was comparatively
trifling.
“If I continue in business, how long can I expect to live, Doctor?” he
asked.
“It is problematical,” was the reply. “Frankly, I don’t think I would
give you more than two or three years of active business life, with the
possibility of death at any moment during that time. Still, if you are
careful, you ought to last two years.”
Wentworth shuddered. He had told the physician to speak frankly, but it
was horrible to have the limit of life set in this way.
“Retire from business,” the doctor added, “go to some quiet place, and
you _may_ live as long as any other.”
“But I can’t!” cried Wentworth. “I haven’t the money, and I must provide
for the little woman and the baby. My God! how helpless they would be
without me!”
Wentworth went from the doctor’s office to the safe-deposit vaults where
he kept his securities. He was a desperate man now—a man who had
deliberately decided to sacrifice his life for those he loved. He would
continue in business another year—two years, if necessary and the Lord
permitted—and he would bend every energy to making provision for his
little family. It might—nay, probably would—kill him, but what matter?
To buy life at the expense of their future would be supremely selfish.
And he might succeed before the fatal summons came: he might get his
affairs in such shape in a year that he could retire with almost as good
a chance of life as he had now—if he could stand the strain so long. But
in his heart he felt he was pronouncing his own doom. He might put the
optimistic view of the situation in words, but he did not believe the
words. A great fear—a fear that was almost a certainty—gripped hard at
his heart.
Public-domain text, read in full here on John Shaqi.
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