There is one other form of insurance practised by level-premium companies that demands brief notice here. It would seem that to mention it would be to call down upon it public reprobation: we refer to what is called prudential or industrial insurance. The peculiarity of this form is that its patrons are found among the poorest and the lowest classes of our population, and, in the judgment of others than the writer, it appeals to the very worst instincts of those unfortunate people. The insurance is effected upon the lives of helpless infants and children to the amount of one hundred or two hundred dollars or more, ostensibly to provide for suitable burial expenses in the event of the child's death. While, doubtless, in some cases the motive is a worthy one which prompts to such insurance, one's thought shrinks with horror from a contemplation of the crimes which it must, in many cases, suggest to the minds of the low and depraved. How many children are there in our large cities whose lives are not worth even one hundred dollars! How many are there whose death would be hailed as a deliverance from an expensive and unwelcome burden! The simple suggestion is enough to carry with it a sense of obligation to lovers of humanity to see that a premium is not placed upon infanticide and kindred crimes. If such insurance is to be effected at all, which is extremely questionable, it should be under the strictest restraints of law. Another serious objection to the system is that it necessitates nearly double the cost of even regular level-premium rates, from the fact that weekly collections of five and ten cents must be made by agents employed for the purpose. Of course a large part of these collections, wrung from the poor, are absorbed in agents' fees, the balance going to the company. The lapses also must be very numerous, and but little benefit is ever realized by those who part with these pittances from their scanty earnings. It is a well-known fact that companies realize very large profits from this business, and in some instances the writer has been credibly informed the expenses of the general business are met by the profits of this branch. This article is written in no spirit of hostility to level-premium insurance; it is simply a criticism upon its defects and its abuses. Properly administered, there is an ample field for the prosecution of its business. There will always be those who will prefer to pay the larger price, for what to them may seem the better form of insurance; but there will be large numbers, as now, who will prefer assessment insurance in reliable companies.