An investigation into the effects of family and personal history upon the rates of mortality experienced in various classes of life assurance risks : with special reference to tuberculosis / by Edward A. Rusher and Charles William Kenchington.

  • Rusher, Edward A.
Date:
1913
Catalogue details

Licence: In copyright

Credit: An investigation into the effects of family and personal history upon the rates of mortality experienced in various classes of life assurance risks : with special reference to tuberculosis / by Edward A. Rusher and Charles William Kenchington. Source: Wellcome Collection.

Provider: This material has been provided by The Royal College of Surgeons of England. The original may be consulted at The Royal College of Surgeons of England.

    15/96 (page 13)
    not be maintained, seeing that endowment assurances have to a large extent replaced whole-life assurances in modern practice. The same feature is, however, observed in such a marked degree in the present investigation that we are inclined to think that it is of a more permanent character than has been generally believed to be the case. Thus, whilst the 01M| has, for the sake of convenience, been retained throughout as the standard of comparison, a sufficiently accurate estimate of the effect of employing the British Offices’ endowment assurance experience as a standard may be obtained by taking the expected deaths as three-fourths of those tabulated, or the percentages of actual deaths to those expected as increased by one-third. Table VIII. Comparison of Actual Deaths in the British Offices’ Endowment Assurance Experience (1863-1893) {Males), with those expected according to OlM] Table. (a) First 10 gears of assurance. (New Assurances only). Years of Assurance Ages at Entry 0-4 5-9 0-9 Expected Deaths Actual Deaths Per- centage Expected Deaths Actual Deaths Per- centage Expected Deaths Actual Deaths Per- centage 0) (■-) (3) (41 (5) («) (7) (8) (9) (10) -37 38-52 2008-2 523’5 1506 393 75-0 75-1 1452-1 421-3 1088 302 74-9 71-7 34603 944-8 2594 695 75-0 73-6 Total 2531-7 1899 75-0 1873-4 1390 74-2 4405 1 3289 74-7 (b) Ultimate Table, excluding first, 10 years of assurance. {Combined Old and New Assurances). Central Age i Attained 0) Expected Deaths by CHM1 Ultimate. (2) Actual Deaths (3) Percentage (4) 35 281-0 201 71-5 40 498-0 391 78-5 45 641-2 532 83-0 50 632-5 526 83-2 55 5161 ) 408) 79-1) 60 255-7 ( 826-3 229 [ 681 89-6 [- 82-5 05 53-5 ) 44) 82-2 ) 2331 81-0