Spirit of Jefferson. [volume] (Charles Town, Va. [W. Va.]) 1844-1948, 1850-04-09

.zz Zz=l#5t..5z s. Il Il = Il Il .zA i b Il
. Ia SO % 1891 Al I25.0o 90 Ill.79t 30 $3.50
i 5O.76 % 37.SG 40 l23.o2 q 1923 " 3.59
s Isl .25 2G i37l4 ~ j23.l7I % 1923 e. 3.4I
Il i5ll1 81 .36.Il l3 $50 SO 90 80 1928
I $3.50 . i35.69 40 t2I. ~ 9l9i u 90
3 50 - 80 X 81 81 E20.3g 20 SIG % 345
10 li3.S9 81 '33GS 81 Il9.GS - I.l2 " 3.13
~ IjSO3 20 80 O3i 80 1881 II 7.33I % 1853
II t4G.5i 81 !3l CS 10 I7.5S 7G G69i 81 3.23
II I45,25 Ks 81 56 lose II G.i0. 90 3.O7
- IT, sc 70 2oI 81 Ii6.2i 73 612 % 2.77
iG !4J o. 81 o9G5I 53 tl5.b5 10 $50; 1901 2.2S
~ i3.57 50 i28 100 50 Hl4.92 80 5.5l l0l l.79
i s$ s$i 2 2 & s s$S s sS5 g IS5 s.
il will he seen from this Table that an indI
vidual at the second dcccmnial (2o) period, (wc
arp'y the expectations OF life only to illustrated
hns an expectation of life for future existence
(LesiGes the 90 wears of actual ll!e) OF 1l.46,
which, If verified by an actual existence, would
be to period in such a PERSONS living Gl
from his birth 10 his death, and so from each
year or pcriod 10 the three score gears and len"
-7O-the limit of Holy Writ, 0 years and 10 100
or at utmost 70 years and l9l0O or nearly 80,
the " our.score" toucllingly described as but
labor and sorrow SO soon passcth 1t away and
We are gone" Pursuing the idea of scripture,
these. facts may incidentally aid us not only "io
9nDiv our hearts unto wisdom, but also so To i've
as we may not have the SIN Of mprcvidency laid
to our other offences of commission, by leaving
those committed to our support in a state ot de-
nendeucy wien we are gone hence, by failure
TO provide for them whentall other means are at
an end, through, tie benign agency ot Lille AS
suranCc.
The practical bearing OF The Carlisle Table
on the operations Of fLifeA4surance in determining
the expectations Of Life nj different periods, are
ms fellows: 1t is now agreed by accomplished
Actuaries, learned in the practice and theory OF
Life Probabilities, that no Life Assurance lnst!-
tution can he considered as doing SAFE busi'
ness, without it has large capital, Until II mas
at least sc, 900 policies on their books, smaller
number than this will not give The correct aVe:-
age, it may be they will lose more some years
than the average, and perhaps less. The latter
often happens, ye: tile contingency must be pro-
vded for, and according TO the Carlisle Table it
must come sooner or lRier and in justice to policy
holders the greatest care must he observed IN
Welding strict obedience 10 Life Tables reguiat-
ing the action of the Institution adopting them.
1t is also affirmed as a fixed fact, by those
learned in Life Assurance, that the following
law must rule the financial workings of such In
sttu,ions: Before a Dividend can be decreed-n
It's strict commercial meantng-ffty. FIVE per cent
Of the whole amount of money received by the
Institution from premiums, must be set aside on
interes-necer TO be iOueRed UlldcF any COhStHeIu
tiOn-dS Sinking Fnnd, for Ibis is the rule tctich
all lime has sho,cn to be correct and any dsUiatton
from is unsafe, unjust, and stupid in the extreme
II must be remembered, then, If an Assurance
Institution is wise and Just, il must, in no in-
stance, deyiate from the first laws OF Lie Proba
bities for ii is still fresh n the memory otmauy,
that the most trying periodsot financial suffer-
ing in our country, was produced by the unnatu
raj and vicious expansion OF The currency, the
consequerits of reputation and bankruptcy. II.
Sin conhexion with the Table gwen above arc certain
facts o;n 10 show as the world grows older there is
crcasing longevity. Professor atchc ot the Ecceuc
Medical Institutes Cincinnati taking an extended view
of facts furnished by history and statistics and showing
that from the time of the Roman Empire down 70 our
own lav progressive aclioation in the condition of
and an increase Of average longevity had been TAX
ing place. on Of IN industrial
suits, the comforts and security OF lie He traced tne
oratin al these causes Great Britain; producing an
average longevity at present nsay twice as great q
the days Of fe heptachy5 and the subsequent
anteror 10 the estabsh ohe rights of the people
T attrmte the increase of longevity the abors the
medical profession, he considered contradictory 70 s
whole festir6ny of history II wond be far more ra
tionaI he thought to attTibnte the Lo 'e
steam engine the printing press The Magma e
any other of the great ~ lch
progress Of civilization
BFHiNp, ,rHs AsE.--A Among all her seaward
looking cliffs Spain has not q single lighthouse
from the Pyrenees 10 point tiufopa-- !, has no
raiIroads mo canals-.no telegra phs--and lately
M "a fcty ftlfst travellers on the high.