The New York herald., 1845-09-01

The steam ship Mamora, Capt. Page, will leave
to-day for Liverpool and Constantinope. The let
ter bags will close AT noon precisely.
New and Interesting Movement In the Sci |
ence OF Life Insurance.
We have recently obtained some exceedingly |
interesting statistics and other valuable information
relative to the science OF life insurance. The great
point established by the data TO which we refer, is
that the application OF life invalids
be established on more secure and equitable basis
than to persons in health. As this subject is one
obviously of great interest and the investigations
which have been instituted with reference to it,
have been productive OF much valuable and novel
information, we believe that we will perform an ac-
ceptable service to the public in presenting careful
analysis of the elaborate details before us,
The oldest tables in use for life insurance are
the Northampton, formed by DR.. Price, from the
bills of mortality kept in the parish of All Saints,
Northampton, England. During the years 1875 TO
$780, this parish contained little more than one half
the humber of inhabitants of that small town, and
formed on so narrow basis, is of itself inappcabe
to determine the chances of mortality in the general
population OF large country-yet, this is the table
adopted IN most of the assurance offices, and de-
pended on to lives. The next table, or set OF
tables, called the Swedish, was constructed in
very satisfactory manner upon returns carefully col
leced in the years 1875 l776 from the whole popu-
lation of Sweden and Finland. These tables have
been corrected by others, officially compiled during
the years from ITS to 1875, and from 1901 TO 1905
and'show an accurate exhibit of the chances of NOR
tality amongst the whole population OF two coun-
tries, but the relative chances among the differ
ent classes OF that population but the climate OF
those countries, the severe and rapid changes OF
the seasons, and other circumstances affecting the
duration Of life, differ much from mider re-
gon, as to render this set of tables nsutcient,or In
a)plcable for the determination OF the average NOR
taity in large part of the United States amongst
so much greater population. The third table was
formed in France by Mr.. Pareux, mostly during
the years from 1863 10 1885, and taken from the re-
gsters of deaths among the monks of four monastic
orders in Paris, to men and for female life, from
the registered deaths of the nuns in Paris, and thus
taken from select lives, differently circumstanced
from the general population of France, and, there
fore, bad data for showing the mortality IN general
population. The fourth, called the Carlisle table was
formed during the years from l779 to l7s7 upon po
puation Of 5000 in that town; the facts collect
ed byDoct. Heysham,and the calculations formed on
applicable to whole country and during the above
period OF nine years. the health of the inhabitants
might have been better or worse than usual and the
period too short for making correct average. In
the year 1926 there was committee Of the British
House of Parliament appointed 10 inquire into this
subject; they found in favor of these (Carsle) ia
bles, that they corresponded with each other
though formed independently of each other
fab1 - H. l.
greater number OF the assurance offices IN England,
and was strongly recommended to the committee OF
the British Parliament, the best adapted TO show
the average mortality among whole population; it
being on the safe side, and taken from among the
aboring classes, and not representing the duration
of life too favorably as TO call for premiums
low TO the risks incurred too low to insure
the stability and prosperity OF the companies The
table corrected by Doct Price, by information
collected from other towns, and ts general applica
bilify has been confirmed by subsequent experience
But this applicability contested because the du
ration of life was found to hav, increased since the
time the Northampton tables were formed, a differ
ence Of 10 years This increased duration of life
has subsequently gained ground, as well from vacci
nation, as temperance societies the better medical
treatment better nursing Of children, and cleanliness
in houses and persons, and thereby healthiness OF
persons The position of Dr. Price is, that mortality
is always proportonate to the of it, and great
provement having taken place In the general mode
of living among people within the last 20 years, so
has longevity increased. The vice of intemperance
in eating and drinking has greatly disappeared, and
the physical condition Of mankind much improved
in consequence. When people may have provision
IN life insurance, to which they with certainty
have resort in Of death and infirmities Of old
age, by taking something from their present earn
ings. instead Of wasting money in excessive eating
and drinking, and other pleasures Of life often des
tructive of health, they have inducement to pre-
their health, by avoiding Irregularities OF life,
and enjoy a comfort of mind and heartfelt satisfac-
ton, superior to all sensual qualifications, especially
sense OF performing christian duty.
With respect to the duration of life, Mr.. G. Davies
Actuary Of the Guardian" Company, procured
complete series OF the reports Of Mr. Morgan, Actua
ry of the Equitable" company, and theorised the
facts upon the subject in that order and form TO draw
good practical rules and Doct Mitchell calculated
table from them, according TO the rules used in the
Equitable for insuring lives the Northampton Ia
bles The probable duration ofle at 20 yearss 33-i3
years longer but according to the facts from the
results. it's duration has extended TO 4l-05. life
at 80 years, according to the Equitable, is 1927 but
according the results OF the reports OF that Office
1t is 1897 years. life, according to Doct Price,
Northampton tables OF 40 years, has 23-0S years
yet OF duration but facts prove 27-l0 years. Mr..
Babbage and Mr. Gomperts went over nearly the
same facts, and, Tar they went, confirmed the
correctness Of Mr. Davies theory. In the evidence
before the Committee of Parliament respecting fe-
male life, Messrs. Glenny, Bailey and Nor
gan severay stated no essential difference, still in
favor OF woman over man. Mr.. Finlalson, Actuary
Of the National Debt Office Of Great Britain, proved
the superiority OF the lives of females over rnales to
be very considerable. This gentleman also stated