Saturday press. [volume] (Honolulu, H.I.) 1880-1885, 1884-04-26

siHsFirsa sRa ssrrisH temperance Greats
The lse vt averages, a. exhibited in the cs
ptHrnce " lie assurance eompauir. during IA,
h.i iotty ycats, has unee to- all triumphant,
iu,ntol The temperance principle NJ total ah
stinence, Among sctinu, AMI thoourhly we'll
lptormcl person, debate Is Over on thi, miiict
Nes nv, msouou' fienii yes, m, mol-,ai,
dnnkcr in the pulpiu VOW are markell men,
leau., htui.hicl aud h,hicl When Wa.
in London ! took much pains to a.tc,tair
exactly the fact, O, to the experience VI British
lie Assurance vocictic. in making distinction
between mulrat, drinkers and total alslaiueu
Fvcy ono Know, "a, ought lo know that iu
u,ifly hall century now many ofihc best
lie assurance soeirtics oi England have insutcj
@Nleiaic drinkers and total nlrtainrrs in sep
tmlc sections. and that . 1srnf t.ii hip tija
. a. eatss' s'a6 ~ rfhiai aloa1gaa d
'tsa, hWys'V, vvpfns, ami, ~ 'o,gs ab,0
y fuHp Mv 81 amt, s,yr flaS alta "A,
eNhss 81 gl.,isnih a,tBls,y,
Here atc few commercial facts ot III,
hWest phihnihppie significance. have in
nv possession an original letter ~ one " The
h,rmosi societies ior lie assurance in London,
and the statement is contained in Il that iot
fifteen years the society has been accustomed
10 pay every five years bonuses tn It's lwu
sections that IS, to the total ahstainers ON the
ens hand, aud to the moderate drinkers on III,
other and that tho result has been during III,
past sixteen years that there have hccn issue,
o, ils policies on the lives VI moderate drinkers
that Is VI those, who ate not strictly aluincn
in the use of alcoholic liquors. aud I, 900 on tn,
lives 81 total alstainefs. OF the former SEA
have diei. hut 81 only OF the latter, OF les.
than hall the propouinnaic number, which, 81
ccurse, would be TOO. Less than one.hali the
humber Of abstaincIs have dNl, conipaIei with
the nunbctthaidicd among nonals,nincrs whc
we've strictly temperate, and this in an OK
pefiencc OF sixteen ye,rsl | hold in my hand
the circulars Of very celebrated life assurance
society. which | shall not name, for fear yot
will say ! wish to advertise IL, although 1t i,
not an American society, and read in thi,
Official document that in 1874, 1875 and 1873 III,
bonus 20 the temperance section was fourteen
mcn, while the bonus for 1854 y the ten
pefance section Is twcnty.threc pei cent
higher will name a single one OF tho grca
life assurance companies in England becaus,
its fepuiaiionIswell established, aud can no
be suspected OF having any improper motiv,
ior giving It's career publicity. | refer to tn,
United Kingdom Temperance and Genera
frovideni Institution. In England its ex
pedcnec is often cited to show the superior
value OF ieeioIal lives as compared with thos,
otmcderate drinkers. The institution insure
members in two sections-one in which all tn
members arc total abstaincrs, in the o,he
moderate drinkers; all incorporate person
being, oi course, excluded. The two section
are exactly alike in every other respect. abou
10000 lives being insured in the general section
and loo. in ,hc.,cmperancs section. Returns
of the expected aud actual claims in boil
SECTIONS for fifteen years. from 1904 to 1875
NO" mat m the general section $3.50 deaths
were expected and that 3.I4; took place
whereas, in the Temperance section, tn,
expected deaths were 400, and the aciua
d>a,hs only i,45s. During the year 1879 tn,
expected claims in the Temperance section wer
los for Zao,Sla; the actual claims were 10.
Tor L,s,6oo. In the general section so
were expected for JS6i,345, the actual hnvnl
been $40 for L74,o5o The quinpuennia
bonuses in the Temperance section have bee
seventeen and one-hslf per cent. create
than those in the general section.
To summarize details, which might easil
make voluminous, the experience OF nearl
forty years and the insurance OF more tha
100000 lives in societies making distinctio
between temperate non-abS,ainers and toia
abSiainers, have proved that under the law q
averages bonus Of from seventeen To twenty
three per cent. mus, be paid to the sections c
total ahstainers
Where is the church, where Is wealth
society, where arc our circles OF culture an
advanced thought, where are our serious an
iniellieen, young men iha, Shey are no, awak
10 these stern facts OF mere businessp | hay
been citing to you not Temperance document
but the repoits of life assurance socie,ie
They are not faniati al organizations; they 81
no; goyernedby this OF that pet theory as to ten
pefance reform. Here is cool. stern busine
sagaei,y applied to one Of the most complicai,
commercial matters and the outcome we ha'
in ihisgreat proposition, sustained hy the mo
exact application of the law Of averages, tn
nearly twenty-five per cent. bonus must
paid To total al,siainers above what is paid
moderate drinkers. OF course. many Of the
total absIainers have not been such ior alltht
lives Their health may have been injured
many eases by early indulgence. by and b
when these socistiss come TO have scotio
filled by men who have been total abs,aine
iIom birth, the averages Of bonuses will
higher to the temperance section. You Dug
sisoio keep In mind constantly that the seo,i'
aioiai by al,siaining is no, a section 81 drum
ards. hut section Of those who are mere
moderate drinkers. respectable men, mos,
1 them only wine dnnlers-
~ one IegAm this state conccring the Ia
of averages In life assurance societies a. all
ge;hrr The mos, inci,iye argument thai C
iea now be named in support OF The prineiI
1 Of total abstinence. J have in my pnssess
original letters from secretaries u life assuran
I in the npnhe and southern hemisphcses.
Iel,ain ilom ei,in "a single American life ASST
anos company. lr,nse | will not weaken Il
aigu'nen, ~ allowing you To suspect iha
have been asked to publish these facts.
hex you 10 investigate this matter carefully
yourselves. The law u averages in lie ASA
ance societies i nov the pedestal ~ a,lama
on which ,ianlS triumphant for luiore ia
in The asme OF science, the abused and on
even hAmliiiel principle 81 total al,s,inens
British and American temperance melho
anil eres,ls d,nsf sonr~i.ai 10 enthusiastically
undoaiis,ily Nc have lrned The legal ren