[To THE EDITOR or THE " SPECTATOR.") Sne—Re the letter
in the Spectator of October 19th, "The Inade- quacy of Officers' Widows' Pensions," officers of the Army and Navy should be encouraged to insure with (Government approved) insur- ance companies calculated at peace-time and home•service rates. Premiums should be paid by Government and deducted from officers' pay. Under these favourable conditions to the insurance companies, the officers should be insured at a specially low rate. When premiums are increased, due to the country being at war, or officers being sent abroad on public service, or other canoe, the Government should pay the increase, not the officer. In this way officers would be able to make proper provision for those who were dependent on them. The Government would fix the maximum amount an officer could insure for.—I am, Sir, &c.,
(Admiral) W. II. B. Gamut.
Army and Navy Club, Pall Mall, S.W. 1.
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