Our bachelor friend of forty wants to reap just as badly as you, but his
fields will be waste while yours will be growing. When you get your
life insured at twenty-one they charge you about ten times what the risk
really is. Why? Because, although they have not the least idea that you
are going to die now, they know the mortgage is on your life, and the
dues, when you pass fifty, would, in justice, be higher than mortal man
would pay. Therefore they even it up.