that is, additions made by the gains of the office
from time to time. If insurance be made in this
manner, for which a slightly higher rate of pre-
mium is paid, it will be found that, however long
a person might live, more would accrue at death
by insurance than by saving.

There are in active existence so many insur-
ance companies of good repute and undoubted
stability that no difficulty need be experienced
in making a judicious selection. Of course, the
intelligent insurer would prefer an office whose
system would best suit his own requirements.
There are two kinds of Insurance Companies,
one known as a "Mutual" office, in which _all_ the
profits which may be earned are periodically
added to the amount insured, the other in the
form of a Joint-Stock Company, in which a small
proportion of the profits are distributed amongst
the Shareholders and the remainder added to
the Insurances. The Mutual Office dividing the
whole of its profits amongst the insured would
appear to be the more advantageous of the two,
and undoubtedly it is, all other things being
equal; but insurances may be effected which do
not share in the profits, at lower rate of pre-
mium, and in that case one system is as good as
the other. The intending insurer would do well
to obtain the prospectuses of several offices,
which he can easily do by writing for them