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reciprocal insurance

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noun

insurance in which members of a reciprocal exchange, acting through an attorney-in-fact, insure themselves and each other.

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Based on the Random House Dictionary, © Random House, Inc. 2012.
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"We shall make mistakes, but they must never be mistakes which result from faintness of heart or abandonment of moral principles. I remember that my old school master Dr. Peabody said in days that seemed to us then to be secure and untroubled, he said things in life will not always run smoothly, sometimes we will be rising toward the heights and all will seem to reverse itself and start downward. The great thing to remember is that the trend of civilization itself is forever upward."

-Franklin D. Roosevelt

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