In a number of European countries maternity insurance is a long-established fact. Italy has recently provided for government birth insurance. The recent unfavorable opinion of the Minnesota insurance commissioner is therefore of present interest. He ruled that "maternity does not present the characteristics of a thing which may properly be insured against," and refused the American Mothers' Birth Insurance Association permission to do business in the state. The Chronicle (insurance paper) thinks that this decision is not well founded in reason. Of course, there is no financial loss in maternity, but there is necessary and immediate expense to be met, and this is a proper subject for insurance. Maternity in a sense is voluntary, but only in part, and so, to at least an equal degree, are death, sickness, casualty and fire, all of which are recognized as insurable events.