A careful study of the prospectuses of the leading life offices discloses so great a variety of practice in minor details that the question naturally arises whether something cannot be done to secure uniformity. I propose in the following pages to discuss a few illustrations of this diversity of practice with a view to showing that the requisite combination on our part could not fail to exercise a beneficial influence by the simplification of a naturally complex branch of business, by the withdrawal of unnecessary and vexatious restrictions, as well as by the resistance which could be offered to the demands for unwise concessions.