“I don’t understand much about the matter; and my very ignorance makes me fearful,” replied Mr. Lincoln.
“It must be plain to you, on reflection,” said I, “that, in a matter so important as the fixing of a man’s eternal state by death, the divine wisdom and mercy of the Lord must be exercised in a most perfect manner, so to speak. That, in fact, no one is called to pass from a natural into a spiritual state of existence, except at the time when such a change will be best for him. The mere circumstance of making an insurance upon the life, with a view to providing for those left behind, who would, perhaps, suffer great evils but for such a provision, could not precipitate this time; for the act could not foreclose a man’s state and prevent his further regeneration.”
Lincoln admitted that there was some force in this view, but said he could not see the subject clearly, and was afraid to act in the matter.
Six months afterward, on meeting my neighbor, his serious face induced me to ask after the cause of his trouble.
“Worried about my affairs, as usual,” said he. “The fact is, I have but little peace of mind. Every thing is so uncertain. By this time I ought to have had a neat little property laid up, but am not worth a copper. My family has increased so rapidly, that it has taken every thing I could make to feed and clothe them. If I were certain of living, I would not feel troubled; for I can earn a comfortable support. But no man has a lease of his life. It makes me heart-sick to think of the consequences if I were to die. What would become of my wife and children! I have not a cent to leave them.”
“Why don’t you get your life insured? Take out a policy of five thousand dollars, for, say seven years. It will cost you only about ninety dollars a year; and you can easily save that much from your income by a little extra economy. Your mind would then be comparatively easy.”
“Five thousand dollars would be a nice little sum to leave,” said Mr. Lincoln, “and would help a great deal.”
“You could pay the premium easily enough?”
“I have thought of it several times since we conversed on the subject; but some how or other have put it off from time to time. I must do so no longer. My doubts as to the propriety of life insurance, which I expressed some time ago, I do not feel as strongly as then. I thought a good deal of what you said, and came to the conclusion that your views were pretty nearly correct.”