The Portland daily press., 1875-12-25
REPORT.

~N5~-N
practical science in its applicability to the bust
ness of Life Insurance, and even in its relations
to medicine, there exist in the minds of those
who have not devoted to it any special atten-
ton, great doubts.
With those who have both made
it study and applied its principles there re-
mains no doubt or question of its entire adap-
liability. \
There is one great and undisputed
fact, that the small mortality ratio which this
Company has exhibited, and continues to ex-
hibit, is exciting both the wonder and astonish,
ment of insurance officials as well as of insur-
ance journalists.
We predict
with much assurance that long before this gen.
Grafton shall have passed away individuals
desiring insurance will be able to compute
the probable duration of their own lives
more accurately than any mathematical ac-
tudry can do. This company has
always claimed that there should be an al
lotment of premiums proportionate to the
risk incurred upon each indiuidual life, with
out respect to the general average dura
ton of life of all mankind of the same age
If, then, such selections can be made
by uneducated intuition, the very pertinent
question rises: Is there rot some system or
method by which what appears to be the result
of intuition can be so systematized that the
natural signs and indications of longevity, by
which naturally long and naturally short
life are indicated, can be differentiated? Here
we find the first step 10 the practical study of
R0metrV
Here seems to be the chief stumbling block
with all other life insurance companies. Their
incomplete forms of application, and want of
appreciation of the Importance of distinguish
ing the true life expectation OF individuals, each
by himself, as contra-distiDguished from the
general average death rate, constantly leads
them into the error of insuring the indifer-
ent, the bad and the good, INDISCRIMI.
NATELY, simplyS according to the saver
age" mortality of the given age of each.
That the people who
appreciate and feel the need of insurance are
becoming educated to be aware of these facts, is
daily evident to US by the number who call at
our office for some explanation of the exceed
ingly low price at which we offer to insute
''Best Grade risks. The intelligence of the
BEST Grade" risks leads them to avail them.
selves of the benefits which VS. offer fer exam.
pie; $40, 900 Assurance to BEST Grade risks
for $50 Premium. Many ashland the ques-
ton is a natural one-How can it be afforded?
Can such insurance be warranted safe? We
reply: Look at our mortality records. If these
do not average one loss per year among the
''Best Grades is not the cost merely nomi.
nal:for them? :
No assumptions are admitted into
our calculations of the cost of a life-risk, but
each indiUidual applicant Immediately becomes
a study We cannot indicate proper premi-
UNI by merely knowing the age and present
health and then looking at. a general aver
age table. We must knew al! the facts.
Our low mortality is
not mere accident, hut, as the records and An.
nual Reports show has been steadily decreasing
for several years. the experience of its officers
has succeeded in perfecting the grand princi-
PIES by :he application of which it is gov
erned. 4 y II
Again, the close of another mortality year
brings us the percentage of less than four losses
per thousand polcies-being even below that
of last year-about Clio per thousand poll
cies this year. Not one per thousand among
'Best Grade" This result is accomplished by
strictly adherng to the principles of Biome-
try. 1t is by the
application and practice of the principles of
Biometry, as applied to life insurance, that L
am able to say to you, gentlemen, that during
the four years [ have now had the honor of
holding the Office of your Surgeon-in- Chief
among all who have been insured ia that time
there have occurred but two deaths among
those insured under my supervision. We do
not yet claim perfection, but can easily foresee
that it is only in the details of our working
system that any further improvement need be
anticipated.
***For the whole Of this instructive docu-
ment and for new documents
Send If By mail send stamp to the
CENTRAL OFFICE,
Nos. 41o and 421 Broadway,
CONFER CANAL ST, NEW YORK,
u. H. COFFIN,
~ Exchange street,
AIS CONGRESS STREET,
| Commissioner for Portland md vicinity.
PARTICULAR, N. IL.
$4,000 ASSURANCE
FOR
500 PREMIUM
TO "BEST GRADEo RISKS.
(2O to So Years Of Age.)
who need Insurance.