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


The Law Of averages, as exhibited in the ,
rctirncr u lic assurance ccmpanir, durinr 4
a. "tiy years. has once 70, al tiunphsn,
inHihci the temperance principle IL total /,
Niuoncv, Amonr srtious ami thorourhl, wei
informed person, dclolc is over on ibi. natt,
Ne,, my luxurious ldend, YES. m, mosl,,a
dnnkcf IN the pulpit, yuu are marked mel
bte'ase h'nightcl anal hcla,e,l. When ~.
IN LONDON ! inok much pains tn asce,isi
cNactl The facts a, 90 the experience if tlriti.
I've assurance soeiciic' in making di.,in,tio
l'eiWecp moderate drnkers and total al,,,,ineu
fee'y otto knows OF ought Ia know that 4.
ncifly hall century now many Of The b,,
li'e assurance societies Of England have insure
~Nlrfair drinkers anil total al,,iainer, In .,,
a'aie sections. and tho, as,at tg, Nh, ~,
:" ~ i't'saf .itd a. 81 k,'.ii ab,isisfrs
icseH. Nifttv, avyHfffn, ss3. Il, ,sr,, ,,,,.
Tfsr1tt fl'yf e-r Amt. esvr flaf g.igb, "a
attas ~ s's&,g,1s R,in&s,s.
liere arr a few commercial facts Of ia,
hG,ei phil'nihropie significance. have il
nv possession an original letter Of onc Of IN,
b'cmo'i societies for lie assurance in London
and the statement Is contained In Il thu, 10,
hiiccn years the society has been accustomed
10 pay every five years bonuses to its iw,
sections that Is. 10 the total ahsiainers ON IN,
ono hand, aud to the moderate drinkers on the
o'het-and thu, the result has been durinr IN,
past sixteen years thai there have been issued
9,S4s policies on the lives 81 moderate ,lrinkrrs.
that Is Of those, who arc not strictly al,stincnt
IN the use u alcoholic liquors. and I. 100 on the
h'es OF total ahsiainefs. OF the fotmer s,a
have died. hut OF only Of the latter. or les,
Than halt the Propcriionaic number. wbirh. 81
course, would be 100. Less than onc.h,lf IN.
number Of absaincrS have died, compared with
the nnnhet,hii died among non .al,staincrs who
"eie SiHeily temperate, and this in an ex.
pefienee OF sixteen yearsl hold in my hand
the circulars OF n very celebrated life assurance
soeieiy. which ] shall not name. for fear yn,,
viii say ! wish to advertise il. although /, is
not an American society, aud read in this
ohoai document that in 1872, 1875 and iS-S the
Bonus to the Temperance section was E,ur,rcp
Per cent. hiEhet than in the general dcuar,.
meni, while the bonus for 1851 4 The lem.
Perance section is tweniy.three ~, cen,
h'shef. viii name single one the great
h'e assurance companies in England because
IFS repuiaiionlsweil established. and can M,
b, suspected OF having any improper motive
ipf giving its career Publicity. | refer To the |
tnitsd Kingdom Temperance and General
'r'V'deai Institution. In England its ex |
fenence Is often cited to show the super;or
value OF iee,otal lives as compared with ,bose
Of moderate drinkers. The institution inspt.s
members IN two sections in which all The
members are total abstainers. in the o,b.,
moderate drinkers; all Incorporate persons
beng, OF course, excluded. The two sections
arc eNacriy alike in every other respect; al,ou,
ao'o"o lives being insured in the general section
and Too, in ihe.temperancc section. Returns
OF the expected aud actual claims in both
sections for fifteen years. from 1904 TO 1873.
show that in the general section $3.50 deaths
were expected and that 3,44; took place;
whereas, in the temperance section, the
expected deaths were 2,oo2 and the actual
deaths only I,45i. During tho year 1879 the
expected claims in the Temperance section were
los for G4o,Sl4: the actual claims were I64
Tor J[,s,69o. In the general section sos
were expected lor G6,,5I5. the actual having
been $50 for E74,9So. The quinpucnnial
bonuses in the Temperance section have been
seventeen and one-half per cent. greater
than those in the general section.
To summarize details, which might easily !
make volumiuous, the experience Of nearly I
forty years and the insurance Of more than !
100000 lives in societies making distinction
between temperate non -aliS,ainers and total
al,Siainers, have proved that under the law OF
averages bonus Of from seventeen to twenty
three per cent. mus, be paid to the sections Of
total abslainers
Where is the church. where is wealthy
society, where are Our circles OF culture and
advanced thought, where are our serious and
intelligent young men that they are not awake
to these stern facts Of mere businessl have
been citing 10 you not temperance documents,
bu, the repoits Of life assurance societies.
They are not fan,ati al organizations they are
no: goyernedhy this oi lha, pet theory as to tenn
peranee reform. Here is cool. stern business
sagacity applied 10 one OF the nloSi complicated
commercial matters. and the outcome We have
in this grea, proposition, sustained " the mos,
exact application Of the law Of averages, that
nearly twenty-five per cent. bonus must he
paid TO total al,stainers above what is paid 10
moderate drinkers. OF course, many OF these
total ahsiainers have no, been such for alftheii
lives. Their health may have been injured IL
many cases by early indulgence. by and by,
~hrn these societies come TO have sections
filed by men who have been total ahstainef'
from birth, the averages Of bonuses will bs
higher TO the temperance section You ought
also 20 keep in mind constantly that the section
ma total iy al,siainingi Is not section Of drunk
arls, La, section 81 lboze who are merely
n,a.lrraie drinkers, respectable men, mos, q
,he,n oply wine-drinlers.
n. one regard this state conccring The la'
II ayeIlgcs in life assu rance societies A. alto
pesher the most inei.ise argumen, that ca
,aa now he namci in sappo', OF the pFineipl
Of ,a,al abstinence. I have in nay ios'essio
original letters fr1m secretaries oi lie ssslfane
10 the nos,he , ani southern hempphsses-
sedain l,o, eiiin "a single American life asst
anee company, he sase viii not weaken III
aieumrnl ~ sllosing you 10 suspect that
have lesn asked lo publish these facts.
irg ,ou 70 .nseaigsie this matter eaieiully &
,,sfeises. The Law ~ ase,ages 10 life assu
snre ,ecsiies Is now the pedestal 4 a'la'oai
% .heA stands triumphant fos ! isiute tia
IN III sasne u scirBer, the ai,ass>i and on
even hanlliaei I.'incipie u total al's'iasne
lisiii.h AMI Anefiean Temperance me'he-
anil cfecls digsf konr~l.al 70 oufdisadyaniae
Ui.i,.i4slly nc hare irrrd lbs LEGAL feni