Juniata sentinel and Republican. [volume] (Mifflintown, Juniata County, Pa.) 1873-1955, 1890-04-16
LEE INSURANCE FOR WOMEN
c,rcum instances Whion Have Is'
CIy,na II More Attention.
r, :. regarded as 3 sign Of the t'r

r, r.rarded rs . sign OF the times
:, E,gland and of the progress to"afu
,ha sTna,ization sf the sexes that the
life assurance offices are payihf "oie
attention to the Insurance ol ieaio
I,,,as and that this branch OF thelr
r,,s,ne.s is increasing The married
wor,ap,s property act, which secures
,h.m in the enjoyment of their own
nronertv and under which they can
fisross of the sums payable at death as
tbev nIease has done = good deal 10 ae-
,,aIo, tho Insurance Of female lives, anu
IN. Increase In the number OF women
wbo earn their own living, and nave
gone in for an independent career WIFI
ont regard TO matrimony, has also
helped tie movement.
The latter class specially favor en-
dowInent policies, payable eItileI "'
death or a certain age w No't'eh M"o
have undertaken the laborlons li
sion Of nursing, for Instance, LOOK iu
ward to "A time when they they VIII ~,
set aside, and when IA lew hunIreu
pounds may be very acceptaule, anu 80
they arrange for the payment 10 iall"ts
at iifty-five years or age. ActuafIe9 va
the old school do not relish these re"
tangled notions. as they regard them,
a
ciple of insurance against death; put
insurance against life in the years oil
decay is an actual experience quite as
great a necessity. Endowment policies
are A need of the age. and life offices DO
well 10 supply il. Certainly women
who are the n own bread-wiDners ap
preciate the system.
If the extension of insurance among
ladies indicates progress toward
equality. The difference in the preml-
umns char ed proves the continued eH-
istel ce of inequality. 1t is not 10 be
supposed that Insurance Offices are III
fueuced 10y sentiment in making DIS
tinvtIon, but are led to do so by The
cold calcuIal ions of their actuarIes.
They hold that woman's life IS less
certain in the married state than the
mans, and this conclusion IS reflected
in their table of premiums. The prac-
tice of the offices varies, but some
charge women 5s. additional per an
nun for every 600 assured until they
attain 80 yeaIs of age. No rebate Is
made for the unmarried, the asSump-
tIon being that almost every healthy glrl
will enter the welded state. If The
number of women who go in for all III
! dependent vocation, however, increases
materially u VIII only De ldlr 10 uOuIlS '
! the rule, as the risks represented 10y tie
extra premium are not then run by tile
insured. The fact that the additional
| levy of 10 per cent. or so is not male
after 80, Is an admission that the sexes
are under the same conditions when OIL
| equal terms. Indeed, the female lfe
is really held TO lie the best, apart from
the period of special risk.
Taking the annuity table of the Scot
tish Widows fund as an illustration,
we find that the rate of annuity pei
cent. is slightly greater on the female
life up to "a, and then falls below ths
male life, the assumption being thai
having passed that period the woman:
life is the longer, aud more annual pay
ments will have to be made by tht
Office. y few comparative figures bring
this out very clearly: