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PICTORIAL MISCELLANY. 



Life Insurance. 



THERE are many intelligent and pious individuals who do not 

 think themselves justified in speculating- upon the events of Provi- 

 dence by getting their lives insured. At the first thought it does 

 seem that there may be something wrong about it. Yet a little 

 reflection will generally clear away all difficulty, and all question of 

 wrong, and the number of those who question the benefits of life- 

 insurance is daily growing less. 



Life-insurance is precisely similar to any other kind of insurance. 

 If a person builds a house or a factory, you know there is more or 

 less risk that it will be burned up within a year. If situated among 

 other buildings the risk would be greater than if it stood alone, for 

 some of them may get on fire and communicate the flames to it 

 before it could be prevented. The person knows that his property 

 perhaps it may be all he possesses in the world is in danger, 

 and it troubles him. But the agent of an insurance company comes 

 to him and says, " Sir, if you will pay us ten dollars, we will insure 

 your house one year. It is worth a thousand dollars. Pay us ten 

 dollars [called the PREMIUM] -- and if your building should burn 

 down within a year we will pay you for it." And so general has 

 this system of insurance come into practice, that none but an im- 

 prudent person will let a building stand uninsured a single day. 



If a person owns a ship, and has filled her with a valuable cargo 



