"Oh yes, sir. Mr. Procter, will you attend to this gentleman?"
Mr. Halliburton was marshalled to an inner room, where a gentlemanly man received him. He explained his business in detail, stated his age, and the sum he wished to insure for. Every information was politely afforded him; and a paper, with certain printed questions, was given him to fill up at his leisure, and then to be returned.
Mr. Halliburton glanced over it. "You require a certificate of my birth from the parish register where I was baptized, I perceive," he remarked. "Why so? In stating my age, I have stated it correctly."
The gentleman smiled. "Of that I make no doubt," he said, "for you look younger than the age you have given me. Our office makes it a rule in most cases to require the certificate from the register. All applicants are not scrupulous about telling the truth, and we have been obliged to adopt it in self-defence. We have had cases, we have indeed, sir, where we have insured a life, and then found—though perhaps not until the actual death has taken place—that the insurer was ten years older than he asserted. Therefore we demand a certificate. It does occasionally happen that applicants can bring well-known men to testify to their age, and then we do not mind dispensing with it."
Mr. Halliburton sent his thoughts round in a circle. There was no one in London who knew his age of their own positive knowledge; so it was useless to think of that. "There will be no difficulty in the matter," he said aloud. "I can get the certificate up from Devonshire in the course of two or three days by writing for it. My father was rector of the church where I was christened. This will be all, then? To fill up this paper and bring you the certificate."
"All; with the exception of being examined by our physician."
"What! is it necessary to be examined by a physician?" exclaimed Mr. Halliburton. "The paper states that I must hand in a report from my ordinary medical attendant. He will not give you a bad report of me," he added, smiling, "for it is little enough I have troubled him. I believe the worst thing he has attended me for has been a bad cold."
"So much the better," remarked the gentleman. "You do not look very strong."
"Very strong I don't think I am. I am too hard worked; get too little rest and recreation. It was suspecting that I am not so strong as I might be that set me thinking it might be well to insure my life for the sake of my wife and children," he ingenuously added, in his straightforward manner. "If I could count upon living and working on until I am an old man, I should not do so."
Again the gentleman smiled. "Looks are deceitful," he observed. "Nothing more so. Sometimes those who look the most delicate live the longest."