--In any case, however, there is reason for fearing that the business of life insurance has in the main long been rotten, even when it has not been deliberately corrupt. Professedly and originally a benevolent contrivance by which men of moderate incomes could year by year make provision for wives and children who might otherwise be left destitute, it was reasonable and right to expect that the business of life insurance would be conducted upon the most economical principles and in the simplest and most unpretending fashion; that there would have been only as much expenditure as was absolutely necessary for the proper conduct of the business; and that safety for the insured would have been the first if not the only ruling motive with the insurers. And such indeed was life insurance in the beginning. But by and by it was found that there was "money in it," and the sleek, snug hypocrites that prey upon society under the guise of philanthropy and religion began to swarm around it. Life insurance companies began to have a host of officers; they had "actuaries," whatever they may be, who, by whatever motives they were actuated, contrived and put forth statements which to the common mind were equally plausible and bewildering; they entered into bitter rivalry with each other in their philanthropic careers; they had agents who went abroad over the land in swarms, smooth-speaking, shameless creatures who would say anything, promise anything so long as they got their commissions; they published gorgeous pamphlets, tumid and splendid with self-praise, and filled with tabular statements that justified and illustrated the denying that there is nothing so untrustworthy as facts, except figures; they contrived the "mutual" plan, by which they made it appear to some men that they could insure their own lives--which is much like a man's trying to hoist himself over a fence by the straps of his boots--and yet these mutual officers, benevolent creatures, were as eager to get business and as ready to pay large commissions as if, poor, simple-minded souls, they had expected to get rich by life insuring; and then they put up huge and enormously expensive buildings, more like palaces than any others known to our country. And all this came out of the pockets of those who are, with cruel mockery, called the insured. It is the old story: ten cents to the beneficiary and ninety cents to the agent through whose hands the money passes. Is it not plain, merely from the grand scale and the large pretence on which this life insurance business has been carried on of late years, that it is rotten? It is a scheme for making money. Now, making money is right enough; but when it is carried on under philanthropic and benevolent pretences its tendency must naturally be, as we have seen that it has been, to gross corruption and the most heartless fraud. * * * * * The point of honor has been deemed of use To teach good manners and to curb abuse.