AT a Board Meeting of the Royal Unicorn Life Insurance Company, specially convened, the Chairman had to make a communication of a very remarkable character.

“Gentlemen,” he said, “I call upon the Secretary, without further introduction, to read a letter, to consider which you are called together this day.”

“The letter,” the Secretary began, “is simply headed ‘Paris,’ dated two days ago.”

“Only two days ago,” said the Chairman, mysteriously. “But, of course, that means nothing. There has been plenty of time for him to change his residence. I dare say he may be in London at our very elbow. Go on, if you please.”

“Gentlemen”— the Secretary proceeded to read the letter. “It is now three months since a claim was sent in to you by the firm of Erskine, Mansfield, Denham & Co., solicitors of Lincoln’s Inn Fields, for the sum of 15,000 pounds due to the heirs of Lord Harry Norland in respect of an insurance effected upon his life.”

“The claim, gentlemen,” said the Chairman, “was duly acknowledged and paid some weeks later. It was a heavy loss; but these things will occur, and there seemed no reason to doubt the facts alleged, or to dispute the claim.”

“I write this letter,” the Secretary continued reading, “in order to inform you that the claim was fraudulent, inasmuch as Lord Harry Norland was at the time, and is still, actually living.”

Fraudulent! The man still living! At this point there was a sudden awakening. Everybody sat up and listened with all their ears.

“I may tell you, gentlemen,” the Chairman explained, “that the writer of this remarkable letter is none other than Lord Harry Norland himself. We will now proceed without further interruption.”

“In conjunction with another person, I devised and carried out successfully a plan by which I was enabled to touch at once, and without the disagreeable necessity of previously expiring and being buried, the whole of the money for which I was insured. Other people have attempted the same design, I believe, but the thing has hitherto been managed clumsily. In my own case, it has been managed with great dexterity and artistic skill. As you will naturally be curious on a subject which interests you so closely I have no objection to reveal the method. It is not enough to write to your office and state that a certain person is dead. One must be prepared with proofs of the death should any doubt arise. No proof of death is quite satisfactory without evidence as to the disposal of the dead body. With that object, we procured from the Hotel Dieu a patient apparently in an advanced state of consumption. My accomplice, being a medical man, highly recommended, was able to do this without suspicion. We nursed him ostentatiously. During the latter part of the illness he was nursed under the name of Lord Harry Norland. He died. His name was entered in the official register as Lord Harry Norland. He was buried in the cemetery at Auteuil, near Paris, as Lord Harry Norland. A headstone marks his grave, which is purchased in perpetuity. The doctor certified the cause of his death, and communicated the fact to the deceased’s brother, Lord Malven, and to the deceased’s solicitors. The death was also announced to the papers. The difficulties attendant on the successful conduct of the business are so great that you need not fear a repetition. Nobody, in order to assist a fraud, will consent to die and lend his own body. It is seldom, indeed, that a sick man can be found — a foreigner and friendless — whose death will cause no curiosity and raise no questions. Add to this, it is extremely difficult, as I have now experienced, to find the necessary assistance without encountering the objections of conscience.”

“Upon my word!” cried one of the Directors, “this is a most wonderful letter. I beg your pardon. Pray go on.”

“We began very well. We buried our man under the name of Lord Harry Norland, as I have said. The difficulty then arose as to the presentation of the claim. It was most desirable that the claim should be made by the person who would most naturally be the deceased’s heir and after proving his will and by his own solicitor.

“I am married. I have no children. I have not lived on good terms with my family. It was, therefore, quite reasonable to expect that I should leave my wife sole heir and executrix. It was also natural that she should go to my solicitors — the family solicitors — and ask them to manage her affairs.

“With this object I confessed to my wife as much of the conspiracy as was necessary. Like many women, she possesses, in addition to every virtue, a blessed devotion to her husband. Where he is concerned she is easily led even from the paths of honour. I practised on that devotion; I used all the arguments and persuasions based on that devotion necessary to convert a woman of honour into the accomplice of a conspiracy. In brief, I made my wife join in the fraud. She consented to act for me, persuaded that if she did not the conspiracy would be discovered. The business has, therefore been carried through with the greatest success. You have paid the claim in full without question. For me there was left the very comfortable provision of 15,000 pounds, with the consciousness of a daring and successful swindle. Unfortunately, my wife has now discovered that her conscience will give her no peace or rest until full restitution of the money has been made. She has informed me of her intention to send back without delay that part of it which lies at her bank in her own name — that is to say, five thousand pounds.

“I do not suppose that, as gentlemen, you would be disposed to subject a woman who thus desires to repair a wrong to the degradation of a public prosecution. No useful end, in fact, will be served in so doing. It is, in fact, in the conviction that you will take no proceedings that I write this letter.

“Further, as I wish my wife’s scruples of conscience to be completely set at rest, I am prepared, on an assurance that the matter will be allowed to drop, to forward to you the remainder of the money, less two thousand pounds, which I have reason to believe will be sent to you in course of time. I am also prepared to instruct my wife, as my heir, in the event of my death to make no claim on the Company; and I have requested my solicitor to cease paying the annual premium. The Company will, therefore, be the gainers of the whole premiums which have been paid — namely, 300 pounds a year for ten years: that is to say, 3,000 pounds.

“As for myself, I will take the necessary steps as soon as you have given me that letter of assurance. As regards the other principal in the Conspiracy, it is hardly worth your while to search after him. I shall be obliged if you will be so good as to acknowledge this letter without delay, with any assurance which you may be able to make as regards the person whom I have dragged into the affair. I send you an address where a letter will find me. You may wish to watch the house. I assure you beforehand that it is useless. I shall not go there.— I remain, Gentlemen,

“Your obedient servant,

“HARRY NORLAND.”

“Perhaps,” said the Secretary, “it is in connection with this letter that I have this day received a packet of bank-notes amounting in all to the sum of five thousand pounds. The packet is endorsed ‘Restitution money.’”

“Bank-notes, gentlemen,” said the Chairman significantly, “may be traced if necessary.”

The Directors looked at each other. This was, indeed, a very remarkable story, and one never before brought to the notice of any Board.

“Gentlemen,” said the Chairman, “you have heard the letter; you now have the case before you. I should like to hear your views.”

“We are likely to get most of our money back,” said one of the Directors, “it seems to me, by holding our tongues. That is the main thing.”

“If we could get Lord Harry himself,” said another, “I should say: Go for him, but not for his wife. I wonder we ever took his life at all. If all stories are true about him he is as bad as they make ’em. He ran away when he was a boy, and went to sea: he was a strolling actor after that: he went out to the States and was reported to have been seen in the West: he has been a ship’s steward: he has been on the turf. What has he not been?”

“We have got the money,” said another; “that is the great thing. We must remember that we should never have found out the thing unless —”

“The Company must not compound a felony,” said the Chairman.

“Certainly not. By no means. At the same time, would any good purpose be served by public scandal in connection with a noble House?”

“The noble House,” said another Director, who was Radical, “may very well take care of itself. Question is, Would it do any good to anybody if we ran in the wife?”

“Who is she?”

“You would expect a ruffian like Lord Harry to marry a woman like himself. Not at all. He married a most charming creature named Henl............