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
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.
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![Difference in Mortality between Whole- Life and Endowment Assurances. Owing to the variations in age distribution this warning against the use of percentages of totals is also required m a modified degree in making comparisons between the sub-groups for the same class of assurance. The percentages of totals are useful for comparing the figures within the group to which the totals refer, but cannot be relied upon for other purposes, and comparisons between the different classes of risk should be made, as far as possible, by means of the percentages for corresponding age-groups. The first point that attracts attention is the great difference between the mortality in the two classes of assurance. From Table XI it will be seen that in years of assurance 0 to 4 the mortality in the whole- life class is, approximately, double that in the endow- ment assurance class, and even for years 5 to 9 there is a difference of about 40 in the percentages, whilst much greater differences are shown in Table XII. As will be seen later on, this feature is not peculiar to the Combined Table, but appears in every sub- group, and is throughout more marked amongst female than male lives. Nor is it confined only to the first ten years of assurance, as it is just as clearly a feature of the ultimate experience given in Table XIII. Again, it will be noted that the whole-life male experience follows the 0[M] mortality fairly closely after the first five years of assurance, whilst the endow- ment assurances for ages at entry under 38 follow that of the 0[EMJ. Above that age the endowment assurances show more favourable results, and in the “Ultimate” experience the mor- tality is lighter than that of the 0[RM1. That endowment assurances should show such light rates after the first five years is somewhat unexpected, and we suggest, as an explanation, that the selection exercised by the assiued is a most potent factor and practically of equal importance to the medical selection. No doubt, had it been possible to distinguish between the various terms of years for which the endowment assurances were effected, the mortality would have shown results corresponding to such terms. One thing seems obvious: that in the assessment of risks there should be a differentiation in practice as between whole-life and endowment assurances. Another feature of these Tables is the lighter rate of Monauty em*e mortality experienced by female lives than by male compared. . 1 J lives. This feature is brought out clearly by](https://iiif.wellcomecollection.org/image/b22439651_0023.jp2/full/800%2C/0/default.jpg)
