a person wishes to insure while young and the
premiums are low, and at the same time is desir-
ous of deferring the full payment until his income
is so improved that he can better afford it.
This system is carried still further by an in-
surer only paying half the premium during his
lifetime, the other half being accumulated until
his death, and then, with interest added, de-
ducted from the amount payable in respect of
the insurance policy.

Having chosen the insurance office or com-
pany which best suits his purpose, the proposer
applies to its nearest agent and makes known
his desire to insure his life. A form containing
printed queries somewhat like the following
(though offices differ somewhat in details) will
be placed before him and the blank spaces filled
in either by the agent or himself.

---------------------------------------------------------------------------------------------------------------------------------
| PROPOSAL FOR LIFE ASSURANCE |
|-------------------------------------------------------------------------------------------------------------------------------|
| | Full Name _____________________________________________________ |
| | Profession or Occupation ______________________________________ |
| 1. Life proposed to be Assured | Business Address ______________________________________________ |
| | Residence _____________________________________________________ |
| | Married or Single _____________________________________________ |
| ------------------------------------------------------------------------------------------------------------------|
| 2. Age next Birthday ________ years. Born at _________________________________________________________ |