Samuel Smiles：Thrift, Excerpt 240

Life assurance may be described as a joint-stock plan for securing widows, and children from want. It is an arrangement by means of which a large number of persons agree to lay by certain small sums called "premiums," yearly, to accumulate at interest, as in a savings bank, against the contingency of the assurer's death,--when the amount of the sum subscribed for is forthwith handed over to his survivors. By this means, persons possessed of but little capital, though enjoying regular wages or salaries, however small, may at once form a fund for the benefit of their family at death.

Source： https://www.gutenberg.org/ebooks/14418
Locator：Excerpt 240 · Verified：2026-10-19 · Verification：Short excerpt

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