The evening times., 1896-10-07
INsURING AGAINST TWINS.
Novel Risks Taken by n London Az
surance Association.
Mar YorI. Herald
Ne1c York Herald.

Accidents and too many youngsters oeihs
regarded in the light or family caiafniues
over in England, the Law, Guarantee anu
Trust Society of London issues policies
upon the contingent birth OF twins Inc
premium is $40. and II the catastrophe
bappens the policy holder recoyeTs 81 600
upon the presentation OF proper prOoI. Ibls
sort of policy is highly useful. The iirst
family TO insure recovered its 81 900, and
is happy, eiated and numerous. Inc COLL
pauy must, of course, proceed Witn Tue
greatest caution, as twins are often beredi-
tary. To begin with, the agent approaches
the heads OF families with due Difference
II he doesn't be surely should IL is
subielt on W niCh there should he no trIllng.
sir he generally begins, or is sup
posed to begin, do You carry any SeIninai
insurance. IL not, sir, why not! AS tue
father of family, sir. you must know thilt
the birth OF one more child ordinarily
entails a prodigious expense? IL means
an additional outlay for clothes, baby
carriages cribs, and nursing bottles. 1t
means, also. much annoyance. You must
tell everybody there are two. As the
wears advance the similarity of form
and face of twin offspring attracts un-
due notoriety and attention. Suppose,
sir, that these twins are girls You VIII
have hard work getting them marned'
for the eligible young men can scarcely
usIeEIitnt WIN ""iNh
love.
Each twin must have the same adyan-
tayes of education and training. too. To
meet these excessive requirements SIT,
the president Of our company, a genuine
benefactor OF his race, has devised q new
scheme OF geminai insurance. thereby
placing himself oD q par with the great
Tonu. Permit me, Sir TO write you
policy
And this agent does write policy He
doesn't do that of course, until after you
have answered certain questions l nave
been unable to obtain the exact worus OIL
the application, yet II must DE something
along this line: First. you must be sois'nhiy
sworn and declare that you are not twin
and have never been such. You must an
swer injuries as TO whether or not your
grandmother, your paternal grandfather
and YOUR greatuncle were twins or the
fathers or mothers of the same. III your
family has been populous one the higher
the rate of insurance will be. The $50
pertains only to ordinary cases, and Is
purely a basis of negotiation
Inc twin table, it Is saiG, runs some
thing like this:
t-gra nClmothcr. twins. -S20.0 90
Grandfather. II twin... = %
Yourself, twin --.-..-.-.........--- -o:oU ~
Yourself. .tripietS. ..--.-......--.--.' 3o.uo
Yourself, quadrupiets. ..-.-..-----... o'-oo
Iue itSt iutStiuh, spu wan HNN' - h-
tically prol,ibitivc.
Proof of the necessity of granting the
ST 900 may be made as 5000 as the chii-
drcu are officially registered and Dap
TIED Agents Of the company VINO ADJUST
the claims have, it is said. gained such
expcrtuess that they can tell by the gen
cral appearance OF worry and solicitude on
the face OF the parentthat trouble has Come
to his household in a double guise. Ere
oucntly tbese agents, so prompt is the COM
pauy in the payment OF Its claims, nave
come within half block Of the house, and
unou hearing two childish voices how'll
in unison have gone away satisfied that
the mouey should be paid
The president of the company. lis bruited
about, will extend the scope OF his organ
lzation to this country / heard only re-
Gently that one of his emissaries had beer
seen in the East Side. but at the time OF
this paper going to press it was impossible
to verify this rumor,