ultimately intended. The writer once found
amongst some old papers a life policy in the
name of a man who had been dead for many
years. On enquiry at the office it was found
that the amount which was payable at his death
had, by some neglect, never been claimed.
The company of course at once paid the money,
and a needy sister was very much benefited.

Thirty days' grace are usually allowed for
subsequent payments of premium. It is custo-
mary for insurance offices to forward to each
policy holder a reminder, from one to four weeks
before the periodical payments for premium
become due, but the absence of any such notice
will not be accepted as an excuse for non-pay-
ment, and if the premium be not paid before the
thirty days' grace allowed have expired, the
policy becomes void. It may, however, be re-
vived upon paying a fine and producing a
medical certificate of health.

Should the proposal be declined the fact will
be notified to the proposer, but he will not be
informed of the reason. Proposals are rejected
because of something wrong being discovered by
the medical examiner, or because of intemperate
habits, or that the history of his near relations
in regard to health and longevity is unfavour-
able; anything in short that indicated that the