On the mortality among publicans and other persons engaged in the sale of intoxicating liquors : being the experience of the Scottish Amicable Life Assurance Society, 1826-76 / [by John Stott].

  • Stott, John
Date:
[1876]
Catalogue details

Licence: Public Domain Mark

Credit: On the mortality among publicans and other persons engaged in the sale of intoxicating liquors : being the experience of the Scottish Amicable Life Assurance Society, 1826-76 / [by John Stott]. Source: Wellcome Collection.

Provider: This material has been provided by The University of Glasgow Library. The original may be consulted at The University of Glasgow Library.

    18/24 page 14
    ment of skill and industry. The deviation in other occu- pations is perhaps not so great as to justify the suggestion of such a course. Still in the class of lives now under review It IS obvious that the marked excess in the mortality proves the necessity for a higher rate of premium than is adopted for the general body of the community. The Publican class is undoubtedly the lowest in the scale of vitality, and con- sequently the most disadvantageously placed in relation to the value of life. The figures of the Scottish Amicable Society, it is thought, afford the means of determining, at least approximately, the proper rate of extra to be imposed. The result of the first rough estimate, as explained, agrees almost exactly with the more scientific investigation there- after made, and proves that the mortality in the Publican class is just about 50 per cent, above that of the English Life Table, or the general male population of England above the age of 15. Consequently, applying the figures, we have 102-68-524 — X 100 = -048 3529 showing that an extra rate of premium, amounting to 19s. per cent, per annum, is necessary to cover the extra risk attaching to the class. It may be added, that the Scottish Amicable for a number of years past has been in the habit of imposing an extra of £1 per cent, per annum in all such cases, and it is therefore satisfactory to know that this load- ing so closely meets the extra risk now indicated by its actual experience of half a century. HELL AND liAIN, PRINTERS, GLASGOW.
    digitised image 1
    digitised image 2
    digitised image 3