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FRED E. RICHARDS, Pres. Union Mutual Life Ins. Co.

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HERE'S a duty to the loved ones, t h at we can't aflord to shirk; It's the lea~ of a bank-account , when we have passed from work; And the chap who falls to do it, cannot plead "I didn't know," In tbese days of life-insurance, w ith the agents on tbe go. Tbeir persistence is an axiom, for the boss is up behind And a-driving like the Dickens in his labor for mankind; So, when fluent Mister Agent nails you, sitting sate at home, Don't torget It's Richards. planning for protection ot your own. He's a hurried man of business, and he pulls a lot of strings; The State of Maine's his debtor for a countless host of things. · n It's banks or bonds or railroads or just philanthropic work. He's a hustling, active factor, one who'll never try to shirk: But mid banks and bonds and railroads, as I hasten to explain, His hobby's never stabled-the "Union Mutual of Maine."