A contribution to the medical statistics of life assurance, with hints on the selection of lives

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Masters, 1865 - Life expectancy - 187 pages
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Page 186 - Here lies the explanation of a fact most deplorable for the working classes of our country — that, in proportion as the people of a district are attracted to any collective in-door occupation, in such proportion, other things being equal, the district deathrate by lung diseases will be increased.
Page 183 - But ... in principle, the sanitary claim is universal. And in the interest of myriads of labouring men and women, whose lives are now needlessly afflicted and shortened by the infinite physical suffering which their mere employment engenders, I would venture to express my hope, that universally the sanitary circumstances of labour may, at least so far, be brought within appropriate provisions of law, that the effective ventilation of all indoor...
Page 184 - And in the interest of myriads of labouring men and women whose lives are now needlessly afflicted and shortened by the infinite physical suffering which their mere employment engenders, I would venture to express my hope, that universally the sanitary circumstances of labour may, at least so far, be brought within appropriate provisions of law, that the effective ventilation of all in-door workplaces may be ensured, and that in every naturally insalubrious occupation the specific health-endangering...
Page 135 - Apart from the moral objection to this kind of insurance we see there is also the commercial objection, partly from their occupation being indoors, partly from their greater liability to death from some causes which are not known to the other sex, such as parturition ; partly from the greater mortality of parturition and its immediate consequences, upon that class of females who are generally included amongst female insurers. Partly, perhaps, from the greater sensitiveness and exposure of the married...
Page 186 - ... proportion, other things being equal, the district death-rate by lung diseases will be increased. For the bad ventilation, which as a rule belongs to the place of employment, tends to develop among the workpeople a large excess of phthisis, and prob.
Page 136 - ... domi [the straitened circumstances] of domestic life. But whatever be the causes, there can be no doubt of the fact, that not only the mortality of this class from phthisis is high, but that it occurs at an earlier period of life than in the other sex, so that it is very doubtful whether joint assurances upon the lives of husband and wife should be at all encouraged.
Page 167 - ... be, not to regard one death from consumption in the family as a bar to insurance, but to regard two such deaths as a bar, unless under other specially favorable circumstances. Dr Begbie, in 1860, said this rule had been followed by the Scottish Widows' Fund for twenty-five years at least, and that " the experience of the society amply justifies its continued application, with certain exceptions hitherto acted upon, such as arise from the age, sex, constitution of the proposer, the number of his...
Page 16 - Ages : four between 50 and 60 ; two between 60 and 70 ; three between 70 and 80; three between 80 and 90.
Page 148 - In some it is comparatively good, in others exceedingly bad, and these variations are usually only local, the condition of the public health...
Page 46 - Ages: two between 30 and 40; three between 40 and 50; six between 50 and 60 ; four between 60 and 70 ; six between 70 and 80 ; seven between 80 and 90; one between 90 and 100.

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