The New York herald., 1845-09-22
LIFE INSURANCE AND EXTENSION OF IT'S BEsrrIrs.

LIFE INSURANCE AND EXTENSION OF ITS BkzEFIrs.
The immense strides which science Of all kinds
has taken within the last quarter of century, is in
no instance forcibly brought home to minds
than in the matter Of medical knowledge and all that
appertains TO It. The practttoner OF the present
day, enjoying he does the varied stores OF know
ledge which are showered down upon HIM by athe
collective wisdom of the medical world, through
the medium OF the journals particularly devoted TO
the writings of the most eminent physicians and
surgeons of the day, no longer gropes along in the
same unvarying round of routine practice that was
formerly the vogue, and was continued merely be-
cause their predecessors had introduced it, but his
mind enlightened by the daily discoveries that
brought by the medium of medical journals almost
within the scope OF his own experience, he is ena-
bled to practice with singular advantage TO himself
| and patient.
Medical researches, however, have lately been
carried beyond what would formerly have been
reckoned coming within their strict boundary,
and social physics, as the science Of man has been
designated, is now the subject beth of scientific and
| of popular attention. In chapter from an unpub-
| shed volume by the lamented Forty, we find many
curious statements regarding vital statistics show
ing that by the employment of mathematical analy-
sis applied TO the great questions OF population,
ality, and national health, all the phenomena of the
human frame, but more especially the physiological
acts connected with reproduction the development
OF mans faculties and mortality, when examined
and measured in great number of individuals,
| furnishes mean result equally correct with that OF
any other physical phenomena. BY the various
bles which DIR. Forty brings forward, he effectuay
proves the accuracy of this position in the OF
| Diseases and by series of tables, extending over
| period OF twelve years, he shows the undertaking
accuracy OF the proportion of deaths and recoveries
among thosewho are attackedwth disease ofa kinds,
| acute or chronic, and to such an extent have the
various researches of the modern medical men been
carried, by further set of tables, extending over
period of eight years. that find that even the con-
dtions which seem to depend wholly on accidental
| causes, have the same constant recurrence, as is
shown by reference to the table OF recrutments of
the French army, and the reports OF criminal Justice
in France, which show the remarkable constancy
of the various causes of unitness for military ser
vice on account OF bodily lnhrmites, such as deaf.
ness, blindness, epilepsy, and also regarding not
only the annual perpetraton of the crime of mur-
der, which present very nearly the same annual
number but experience further shows that even
the instruments used to accomplish the object,
bear like proportions in each year. " "Contem-
plate for moment" says DR.. Forty, the null
tiped circumstances upon which each birth,
each death from particular disease, each fatal
accident, and each murder depends, and espe-
cialy as regards the last, the concurrence of how
many tumultuous passions in man is required in
addition Yet strange to say, the moral and
physical causes in operation are SO constant, that
the annual results actually less luctuating than
the products OF the soil, or even the mean of the
temperature! And thus we see illustrated the
fundamental principle, that sc the greater number Of
individuals observed the more do individual pecu-
arities, whether physical or moral become effaced,
and leave, in prominent point of view, the general
facts, by virtue of which society exists and is
preserved"
In looking over the Fifth annual Report of the
Registrar General of Births, Deaths and Marriages
in England, for the year ls4S, we find some most
interesting tables regarding the expectation of life
among persons who die of consumption and other
incurable diseases-and the following extract will
exactly show what we wish to inform the public of
| in this article.
:" One of the most interesting applications of these
tables is to the Of the expectation of life
among persons destined to die Of different diseases
The Insurance Offices in the habit of refusing
insure the lives Of persons having edtary acc
dental tendencies to consumption other chronic
durable diseases but the lives Of such though
shorter, regulated by laws constant those
which observed in persons dying of other diseases
consumption Out not laboring under the disease he
need not be deprived of the advantages of assurance
his chance OF living can be dete rmned, and the risk
calculated"
Acting on the established data that have thus been
accumulated The Mutual Benefit Life Insurance
Company of this city, have been the first to lead
the way in offering to take risks on invalid and un-
sound lives The great benefit that will result to the
community at large from this new feature in the
theory and practice OF Life Insurance. Is incalcu-
liable. 1t would be useless for 10 devote space to
the eulogy of the beneficial effects of these compa
MES, they have hitherto existed. The hundreds
of cases where policy certain life has proved
of the most vital use to the survivors, all these are
well known and need no further praise; but the Pc
cuar plan of the organization OF this company, be-
ysnd the fact OF their nsuring invalid and unsound
lives, is one that must undoubtedly procure for it
great amount of custom. This branch of the busi-
ness is, however, not by any means the only one
they practce-sound lives also continue to be in
sured by them as equitable terms as any other
company
The charter of this Institution, authorizes it to
make all and every insurance appertaining to or
connected with life, risks of all kinds, grant annu-
ties and make endowments There is no money
stock in it, the funds capital arise from premiums
paid in when persons make insurance, and these
form the means to make payments on policies, grant
loans, pay expenses, and yield profits All persons
insured become members, and are not liable beyond
the amount of the premiums to be paid by them
The books of the company open to them, 10 see
that the sums paid by them, securities received,
are deposited or invested according to the charter,
and the nett profits, at fixed periods, are divided
among them.
These are few OF the features of this new era
IN Life Assurance, and it is well worth referring to,
as the means of providing for families, the heads OF
which at present from their invalid condition. fancy
that such resource is beyond their reach