The true northerner. [volume] (Paw Paw, Mich.) 1855-1920, 1873-11-14

Life Insurance and Moderate DrtsEiss.
By A. MowArF.
One Of the best mutual life insurance or
carnations Of the world TO-DAY, Is I" The Unit
ed Kingdom Temperance and General Provi-
dent Institution" Of London, England, OF
which Mr.. William Tweedie, the eminent
Temperance publisher, and other leading Tenn
perance men OF England are the directors
The company Is thirty-two years in existence
"a long experence-the experience Of whole
generation-older than the Mutual Life Co., OF
New York.
The system OF the now companyis to insure
all classes Of the community who are sound in
health and addicted to no bad habits or pur-
suits. At first it only insured absolute teetotal-
ers. 1t now insures very moderate drinkers.
But it still keeps the two classes separate In
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 alcoholic liquors. on
health and longevity.
Here are healthy men introduced by the same
agents, examined by the same doctors, the ap-
plications for insurance carefully scrutinKed by
the same board Of teetotalers % 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, a teetotaler
but he Is mathematician, and figures don't
err. He has 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 teetotalers insured in the books
OF the company. There were only 80 deaths
~ less in 1877 than the tables calculated for.
The amount which ought to have been payable
to the widows and orphans Of the deceased
teetotalers was $13O,29O, in gold. The actual
amount payable was only S65,025. The saving
in the Temperance section, from low morta lily,
was, therefore, no less than $50, 265 out Of
s130,29O. The mortality claims among the tee
totalers did not fully come to so 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
was 2S2 individuals, being 3S in excess OF the
| tables
This is an enormous per centage beyond the
death-rate Of the teetotalers. The amount Of
claims ought TO have:been s244, AIS, gold. The
actual claims for the moderate drinkers came
to 1882, s75, being $500 in excess OF the sum
calculated for in the tables. This shows q fear
full per centage in excess OF the claims In the
Temperance section.
The result Of this is, that the teetotalers in
sured in the L. X. Temperance receive from
80 to so per cent. higher dividends than the
moderate drinkers insured in the same institu-
ton on the same terms. We. personally, re-
ceive those dividends, being for several year 8
now insured in the [. X. Temperance and
General Provident Institution, and, therefore,
write Of what is within our own knowledge.
When DR.. George W. Beard asserted in
Stimulants and Narcotics" that We have no
statistics to prove that teetotalers are healthier
or live longer, than moderate drinkers, he only
wrote in utter ignorance OF the thirty-two years
experience OF this Temperance life insurance
institution, and Of the equally satisfactory ex
perence of the Wilmington Life Insurance
Co., of London the Victoria Assurance Soci
ETY.; the Sceptre Life Assurance Co.; the
Emperor Life Assurance Co. and other life
companies of England, that insure the lives OF
teetotalers in distinct section. The Rechabite
Friendly Benefit Society (teetotal), which ha;
many thousands OF members in the L. King
dom and Australia, and which ssures for sicl
allowances. weekly, aud sum at death, hal
just experienced the same results arising from
the .eetotalism Of the members. The sickness
and mortality among them has never been a:
high as among kindred societies which are non
teetotal, as the Odd elbows. the Forresters
and the Druids of England and Ireland.
Here are facts and statistics. as to the NOR
tally of teetotalers and moderate drinkers re
spectively, which cannot be gainsayed nor re
futed. We commend them to the readers o
this JOURNAL as proof positive of the advan
tages Of total abstinence from all that intox
Gates. chronological Journal.
l.. A,~.aI 1oe+ NJ NJ Do,ooro- I'D u..