WCP102

[1]

Broadstone, Wimborne

Jan^y. 25^th. 1905

My dear Will

I really cannot give an opinion about these two Insurance Companies. Both seem to me very unsatisfactory inasmuch as they insure against special diseases & not illness in general. Influenza for example is omitted in both and I dare say many others I can’t remember at the moment. Now considering the obscurity of different diseases & how doctors often differed, & how easy it is for them to exaggerate certain symptoms & not say that the disease is not one of those insured against, the [2] whole thing seems to me almost useless. I see the "Car" have a Department for "Sickness" — why not insure in that? — I presume "accidents" includes everything that is not disease. Perhaps if you were robbed with violence & temp^tn. incapacitated that would not be an "accident"? Does "carelessness" make an accident void?

I think I should insure in nothing that was not wholly inclusive — that is, to include disablement or death from any cause, as an ordinary "life insurance" does. [3] The reasons for all these limitations seem to me to be that the terms are arranged so as to deprive many persons from any benefits though incapacitated by disease illness or accident.

Yours very truly | and your affect. Pa! | Alfred R. Wallace [signature]

P.S. Have you no information about my "wipers" yet?

A.R.W [signature]