Chapter 9
"Because, were you to insure your life, to pay the yearly premium, and our home expenses, would necessitate your working as hard as you do now."
"Well?" said he. "Of course it would."
"In any case, our expenses shall be much reduced; of that I am determined," she went on somewhat dreamily, more it seemed in soliloquy than to her husband. "But, with this premium to pay in addition----"
"Jane," he interrupted, "there's not the least necessity for my relaxing my labours. I shall not think of doing it. I may not be very strong, but I am not ill. As to reducing our expenses, I see no help for that, inasmuch as I must draw from them for the premium."
"If you only can keep your health, Edgar, it is certainly what ought to be done--to insure your life. The thought has often crossed me."
"Why did you never suggest it?"
"I scarcely know. I believe I did not like to do so. And I really did not see how the premium was to be paid. How much shall you insure it for?"
"I thought of two thousand pounds. Could we afford more?"
"I think not. What would be the yearly premium for that sum?"
"I don't know. I will ascertain all particulars. What are you sighing about, Jane?"
Jane was sighing heavily. A weight seemed to have fallen upon her. "To talk of life-insurance puts me too much in mind of death," she murmured.
"Now, Jane, you are never going to turn goose!" he gaily said. "I have heard of persons who will not make a will, because it brings them a fancy they must be going to die. Insuring my life will not bring death any the quicker to me: I hope I shall be here many a year yet. Why, Jane, I may live to pay the insurance over and over again in annual premiums! Better that I had put by the money in a bank, I shall think then."
"The worst of putting by money in a bank, or in any other way, is, that you are not _compelled_ to put it," observed Jane, looking up a little from her depression. "What ought to be put by--what is intended to be put by--too often goes in present wants, and putting by ends in name only: whereas, in life-a.s.surance, the premium _must_ be paid. Edgar,"
she added, pa.s.sing to a different subject, "I wonder what we shall make of our boys?"
Mr. Halliburton's cheek flushed. "_They_ shall go to college, please G.o.d--though I have not been able to get there myself."
"Oh, I hope so! One or two of them, at any rate."
Little difficulty did there appear to be in the plan to Mr. Halliburton.
His boys should enter the University, although he had not done so: the future of our children appears hopeful and easy to most of us. William and Frank were in the school attached to King's College: of which you hear Mr. Halliburton was now a professor. Edgar--never called anything but "Gar"--went to a private school, but he would soon be entered at King's College. Remarkably well-educated boys for their years, were the young Halliburtons. Mr. Halliburton and Jane had taken care of that.
Home teaching was more efficient than school: both combined had rendered them unusually intelligent and advanced. Naturally intellectual, gifted with excellent qualities of mind and heart, Mrs. Halliburton had not failed to do her duty by them. She spared
"Jane, I wonder which office will be the best to insure in?"
Jane began to recall the names of some that were familiar to her.
"The Phoenix?" suggested she.
Mr. Halliburton laughed. "I think that's only for fire, Jane. I am not sure, though." In truth, he knew little about insurance offices himself.
"There's the Sun; and the Atlas; and the Argus--oh, and ever so many more," continued Jane.
"I'll inquire all about it to-day," said he.
"I wonder if the premium will take a hundred a year, Edgar?"
He could not tell. He feared it might. "I wish Jane," he observed, "that I had insured my life when I first married. The premium would have been small then, and we might have managed to spare it."
"Ay," she answered. "Sometimes I look back to things that I might have done in the past years: and I did not do them. Now, the time has gone by!"
"Well, it has not gone by for insuring," said Mr. Halliburton, rising from the breakfast-table and speaking in gay tones. "Half-past eight!"
he cried, looking at his watch. "Good-bye, Jane," said he, bending to kiss her. "Wish me luck."
"A weighty insurance and a small premium," she said, laughing. "But you are not going about it now?"
"Of course not. The offices would not be open. I shall take an opportunity of doing so in the course of the day."
Mr. Halliburton departed on his usual duties. It was a warm day in April. His first attendance was King's College, and there he remained for the morning. Then he proceeded to gain information about the various offices and their respective merits: finally fixed upon the one he should apply to, and bent his steps towards it.
It was situated in the heart of the City, in a very busy part of it. The office also appeared to be busy, for several people were in it when Mr.
Halliburton entered. A young man came forward to know his business.
"I wish to insure my life," said Mr. Halliburton. "How must I proceed about it?"
"Oh yes, sir. Mr. Procter, will you attend to this gentleman?"
Mr. Halliburton was marshalled to an inner room, where a gentlemanly man received him. He explained his business in detail, stated his age, and the sum he wished to insure for. Every information was politely afforded him; and a paper, with certain printed questions, was given him to fill up at his leisure, and then to be returned.
Mr. Halliburton glanced over it. "You require a certificate of my birth from the parish register where I was baptized, I perceive," he remarked.
"Why so? In stating my age, I have stated it correctly."
The gentleman smiled. "Of that I make no doubt," he said, "for you look younger than the age you have given me. Our office makes it a rule in most cases to require the certificate from the register. All applicants are not scrupulous about telling the truth, and we have been obliged to adopt it in self-defence. We have had cases, we have indeed, sir, where we have insured a life, and then found--though perhaps not until the actual death has taken place--that the insurer was ten years older than he a.s.serted. Therefore we demand a certificate. It does occasionally happen that applicants can bring well-known men to testify to their age, and then we do not mind dispensing with it."
Mr. Halliburton sent his thoughts round in a circle. There was no one in London who knew his age of their own positive knowledge; so it was useless to think of that. "There will be no difficulty in the matter,"
he said aloud. "I can get the certificate up from Devons.h.i.+re in the course of two or three days by writing for it. My father was rector of the church where I was christened. This will be all, then? To fill up this paper and bring you the certificate."
"All; with the exception of being examined by our physician."
"What! is it necessary to be examined by a physician?" exclaimed Mr.
Halliburton. "The paper states that I must hand in a report from my ordinary medical attendant. _He_ will not give you a bad report of me,"
he added, smiling, "for it is little enough I have troubled him. I believe the worst thing he has attended me for has been a bad cold."
"So much the better," remarked the gentleman. "You do not look very strong."
"Very strong I don't think I am. I am too hard worked; get too little rest and recreation. It was suspecting that I am not so strong as I might be that set me thinking it might be well to insure my life for the sake of my wife and children," he ingenuously added, in his straightforward manner. "If I could count upon living and working on until I am an old man, I should not do so."
Again the gentleman smiled. "Looks are deceitful," he observed. "Nothing more so. Sometimes those who look the most delicate live the longest."
"You cannot say I look delicate," returned Mr. Halliburton.
"I did not say it. I consider that you do not look robust; but that is not saying that you look delicate. You may be a perfectly healthy man for all I can say to the contrary."
He ran his eyes over Mr. Halliburton as he spoke; over his tall, fine form, his dark hair, amidst which not a streak of grey mingled, his clearly-cut features, and his complexion, bright as a woman's. Was there suspicion in that complexion? "A handsome man, at any rate," thought the gazer, "if not a robust one."