Frostburg mining journal. [volume] (Frostburg, Md.) 1871-1913, 1873-12-06

Que of the mutual life insurance or
carnations of the world is 1.-The
United Kingdom Temperance and Gen
eral Provident Institution OF London,
England, of which Mr.. William Twee-
die, the eminent temperance publisher,
and other leading temperance men OF
England are the directors. The com
pany is thirty-two years i'll eXistence-a
long experience-the experience of a
whole generation.
The system of the company is now to
insure all classes of the community who
are sound in health and addicted to no
bad habits or pursuits. At first it
only insured absolute teetotalers. 1t
now insures very moderate drinkers as
well. But it still keeps the two classes
separate i'll different ledgers. All pay
the same premiums for the insurance,
but the dividends are divided according
to the results in each ledger account
teetotalers distinct from moderate
drinkers.
This is the very best test, we take
leave to say, and can be applied, as to
the effects of even the moderate use of
alcohol liquors, on health and
longevity.
Here are healthy men introduced by
the same agents, examined by the same
doctors, the applications for insurance
carefully scrutinized by the same board
of teetotalers as directors, and what is
the experience of the company?
The Actuary of the Temperance
Provident is Mr.. Samuel Bener, of
worldwide fame in his profession. He
is not, himself, teetotaler, but he is a
mathematician, and figures don't err.
Hehas just reported to the directors
the results of their last years business.
According to the Carlisle tables of
mortality, there ought to have been 1877
deaths among the lives of the tectotalcrs
insured in the books of the company.
There We're only 80 deaths-47 less i'll
1877 than the tables calculated for. The
amount which ought to have been paya-
bic to the widows and orphans of the
deceased teetotalers was $l3O, 800, i'll
gold. The actual amount payable was
only 500, O25. The saving i'll the tenn
perance section, from low mortality, was,
therefore, no less than 500, 2G5 out OF
S13O, $50. The mortality claims among
the teetotalers did not fully come to 81
per cent of the amount calculated
upon.
On the same laws of calculations, by
the Carlisle tables of mortality, the
death-rate among the moderate drinkers
ought to have been just 244 persons
The actual mortality VASES individuals,
being IS i'll excess of the tables
This is an enormous percentage be.
yond the dcath-rate of the tectotalcrs.
The amount Of claims ought to have
been $244, AS, gold. The actual claims
for the moderate drinkers came to $252,
S75, being IS, $40 in excess of the sun
calculated for in the tables. This shows
n fearful per centage in excess of the
claims in the temperance section.
The result of this is that the teeto
talers insured in the United Kingdom
Temperance receive from 30 to so pei
cent. higher dividends than the moder
ate drinkers insured in the same insti
tuition on the same terms. We, person
ally, receive those dividends, being fol
several years now insured in the United
Kingdom Temperance and Genera
Provident Institution, and, therefore
write of what is within our own knowl
-PHreHoio9ic0i /Ouy2a0l.