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Updated: July 24, 2025
Is it not notorious that even in England it is found essential, or at least highly advantageous, to reward the officers and seamen, though fighting their own battles, not only with the full value of captured vessels of war, but even with additional premiums; and was it ever doubted that such liberal policy has mainly contributed to the surpassing magnitude of the naval power of that little island, and her consequent greatness as a nation?
The building in which Colonel Boundary had his beautiful home was of a type not uncommonly met with in the West End of London. The street floor was taken up entirely with shops, the first floor with offices and the remainder of the building was practically given over to the colonel. One by one he had ousted every tenant from the building, and practically the whole of the fourteen sets of apartments which constituted the residential portion of the building was held by him in one name or another. Some he had obtained by the payment of heavy premiums, some he had secured when the lease of the former tenant had lapsed, some he had gathered in by sub-hiring. He had tried to buy the building, since it served his purpose well, but came against a deed of trust and the Court of Chancery, and had wisely refrained from going any further into a matter which must bring him vis-
As life companies have rates dependent on the age of the insured, so fire companies regulate their premiums by the location and other circumstances of the buildings; in other words, they calculate the probabilities, and charge accordingly. There are buildings particularly subject to combustion on which American companies will not take a risk.
Premiums given by the public to artists and manufacturers, who excel in their particular occupations, are not liable to the same objections as bounties.
Peace and plenty are certainly causes of human increase, and so is recklessness; and this, I take it, is the impulse in the instance of the English manufacturer, the Irish peasant, and the negro slave. Indeed here it is more than recklessness, for there are certain indirect premiums held out to obey the early commandment of replenishing the earth, which do not fail to have their full effect.
During the two last-mentioned wars, annuities, either for terms of years or for lives, were seldom granted, but as premiums to the subscribers of a new loan, over and above the redeemable annuity or interest, upon the credit of which the loan was supposed to be made. They were granted, not as the proper fund upon which the money was borrowed, but as an additional encouragement to the lender.
A Dominican striding back and forth, ascetic and serene of face, two nuns buried in their hoods, telling their beads on long rosaries which measured their time of waiting, priests from the diocese of Lyon, recognizable from the shape of their hats, and other persons of stern and meditative mien seated by the great table of black wood which stood in the centre of the room, and turning the leaves of some of those edifying periodicals which are printed on the hill of Fourvières, the Echoes from Purgatory, or Marie's Rose-bush, and which give as premiums to yearly subscribers papal indulgences, absolution for future sins.
The annuities for lives, too, which had been granted as premiums to the subscribers to the new loans in 1757, estimated at fourteen years purchase, were valued at £472,500; and the annuities for long terms of years, granted as premiums likewise, in 1761 and 1762, estimated at twenty-seven and a-half years purchase, were valued at £6,826,875.
The old ferryman at Bandjermasin has been so successful in the conduct of his curious avocation that, so the Dutch Resident assured me, he has several hundred policy holders who pay him their premiums with punctilious regularity, thereby giving him a very comfortable income. The method pursued by the crocodile hunters of Borneo is as effective as it is ingenious.
He watched them standing in queues at the wickets while inside someone counted; so many francs, so many centimes. It bored him to see this useless, tiresome waiting. It is abolished. Now at the end of each week the worker goes to a window under the initial of his name, and is handed a card on which these items have been entered: Balance from last week. So many hours at so much. Premiums.
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