"May I ask if he has any considerable wealth?"
"Not a cent."
"Then, of course, he must insure. No poor man can afford to neglect such an opportunity. I suppose he travels sometimes—goes about in railroad cars and other dangerous places?"
"No, he keeps very quiet."
"Man of steady habits, I s'pose?"
"Very steady."
"He is the very man I want," said Gunn. "I know I can sell him a policy."
"I don't think you can," replied Mrs. Kemper.
"Why? When will he be home? I'll call on him. I don't know of any reason why I shouldn't insure him."
"I know," replied Mrs. K.