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Vital Statistics in Relation to Life Insurance: Paper Read Before Subsection B, Section VIII, "Public Health and Medical Science," of the Second ... December 30, 1915 (Classic Reprint)

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Vital Statistics in Relation to Life Insurance: Paper Read Before Subsection B, Section VIII, "Public Health and Medical Science," of the Second ... December 30, 1915 (Classic Reprint)

4.85 67,581 ratings · 4,206 reviews
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Overview: Excerpt from Vital Statistics in Relation to Life Insurance: Paper Read Before Subsection B, Section VIII, "Public Health and Medical Science," of the Second Pan-American Scientific Congress, Washington, December 30, 1915Life insurance companies provide protection against the economic losses resulting from death. Consequently they must have, as guides for making their premium rates, the facts as to the mortality of their possible membership. The data of mortality must be analyzed for each year of age and for such distinctions as color, sex, and the general economic and social condition of the insured. This is the basis of the life insurance companies' interest in vital statistics, and, just as they have been dependent on this science for their safety and growth, so they have been, in turn, a very potent influence in its progress. In England, where modern life insurance first took definite form, and where it has attained the widest exten sion, vital statistics has likewise found its highest development. In other countries of Europe we find, with the growth of insur ance systems, a simultaneous advancement of vital statistics to serve the ends of insurance and of other social activities.The history of vital statistics and of life insurance in America likewise points to a most intimate and profitable interrelation. One need only recall contributions so basically important as the reports of Elizur Wright, 1859-1867, who, as first Com missioner of Insurance in 'massachusetts, gave direction to the evolution of insurance mortality experience; the American Experience Table of Mortality, first published in its present form by Sheppard Homans of the Mutual Life Insurance Company, in 1868; the report of Levi Meech, 1881, covering the mortality experience of thirty American life companies for geo graphic divisions of the country and for certain of the more important causes of death; and the report of E. J. Marsh of the Mutual Life Insurance Company, 1896, which continued further the analysis, by causes, of the mortality of persons insured under the old line plan. For many years the reports of the Actuarial Society of America have been replete withvaluable material for the statistical investigator. Mention should be made of the Specialized Mortality Investigation of 1904 by this Society, and more recently of the report made in conjunction with the Association of Life Insurance Medical Directors under the title, medico-actuarial Mortality Investi gation. These volumes have thrown a flood of light on the mortality of large groups of our population as influenced by sex, by occupation, by physique, by conjugal condition, and by habits of life; they constitute most important contributions to the vital statistics of this country.About the PublisherForgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.comThis book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.

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Louis I. Dublin is a writer and avid reader based in the Pacific Northwest. Before pursuing writing full-time, they spent over a decade working in education. When not working on their next book, Louis I. Dublin can usually be found hiking with their dog or trying out new coffee shops in their neighborhood.

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Kevin Turner
Kevin Turner September 07, 2025
A profoundly satisfying read. The prose is exquisite. It’s accessible yet undeniably sophisticated. I will undoubtedly revisit this masterpiece.
Richard  Parker
Richard Parker April 28, 2025
Took a moment to build, but the payoff was spectacular. The protagonist was compelling, though some subplots felt slightly overshadowed. Quite impressive overall.
Kenneth King
Kenneth King November 06, 2025
I was completely blown away. I adored how the story unfolded. It kept me captivated without sacrificing elegance. I will undoubtedly revisit this masterpiece.
Thomas Taylor
Thomas Taylor March 31, 2025
Masterpiece from start to finish. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I am now a lifelong fan of this author.
George Baker
George Baker December 08, 2024
A profoundly satisfying read. The prose is exquisite. It’s accessible yet undeniably sophisticated. An effortless 5 stars.
Cynthia Rivera
Cynthia Rivera September 15, 2025
Such a rich narrative. I adored how the story unfolded. It kept me captivated without sacrificing elegance. Worth every moment spent reading.
Michelle Lewis
Michelle Lewis April 19, 2024
Exceeded all my expectations. I became deeply invested in the protagonist's journey. A masterclass in storytelling. An absolute must-read for connoisseurs of the genre.
Kimberly Hill
Kimberly Hill April 22, 2025
Absolutely brilliant. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. Worth every moment spent reading.
Betty Phillips
Betty Phillips April 29, 2025
Excellent, though slightly flawed. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. A solid 4 stars from me.
Betty Phillips
Betty Phillips January 07, 2024
Honestly one of the most premium reading experiences lately. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. A true literary gem.
Anthony Thompson
Anthony Thompson November 23, 2025
I was completely blown away. I became deeply invested in the protagonist's journey. A masterclass in storytelling. I am now a lifelong fan of this author.
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