New-York tribune. [volume] (New York [N.Y.]) 1866-1924, 1897-09-26
LONGEVITY or WOMEN.
WHY THE DISABILITIES IN POLICIES FOR
THEM HAVE BEEN REMOVED.
From The st. Louis Star.

From The st. Louis Star
Perhaps no bette. example Of the constantly
increasing and recognized Importance OF woman
in the business world could be cited tnan Inc
absolutely changed attitude OF all leading m
sur.,iiCc com 3ancs toward her interests ChtiI
quite recently women were considered h'tcn
less desira Die risk than men, and the marred
woman, enjoying the shelter and protection o'
4 home, was for perfectly obvious reasons
thought to represent a much less good CndilC1
than The single woman. who feels heraell op'!seu
To go to business in all extremes Of weather a.id
all conditions of health.
1t is the experience of Insurance companies,
however. that the mortality among women IS
not greater than that among men. Indeed a!t'r
the age Of forty-egh; women live longer on me
average than men, ara 1t IS NOT apSulutt'S
proved that even before that age the mortaiy
is larger That is st q matter OF CONJECTURE
and the companies are watching anu comPar-
ing statistics with ;he greatest Interest ara care,
However. with tho average after forty-eght $"
decidedly in her favor. the best companies nave
felt themselves justified in evelling all dlsiinc-
tions so that, instead Of paying - more premium
a year than a man, as formerly woman 81 any
age married or unmarried can now TAX" pdt
all the insurance that she can pay FOR at eX-
l.ilv IN. same rates and under the same cohdI-
,ions as a man In the inspection a clrcu,h-
stances there Is. however, this difference. II d
woman irsurcs her life in favor Of her huSoahu
she is obliged to answer a lSt OF SUI ~. ,
oiI, =tinns." AZ to whether his NE IS lhSui'u,
r.h,t his income is etc, ard both his business
and moral records are thoroughly inNeslGated.
Tho connection between rich and poWeriui
other restrictions as To occupations. manner ot
death etc as well as to the adoption 81 certain.
nav. features very much to the advantage Oh
,hosr who wish To provide either for their own
nld age or for those who shall come after them
f,r while life insurance formerly meant eA-
cIusivolv money To be paid over - some one e'Se
oftor ito insurer died. it's most popular FORM
to-day is that which. while providing ior inns
contingency also offers several different "ppor-
tunitins for Guaranteeing future income WIN
ont any possibility Of loss 10 old age" "neh ti'r
chance or inclination to work has some IN Ia't'
tho LEADING companies OF to day operate eXactF
ike n great savings bank that, besides pd!'hS
a good rate Of interest on the money lh'estcu,
offers the additional advantage ol pay ihS oNci
fixed sum to any named benehciaiy 10 a.. en-
on,'s death For instance, for from sd 10 Fo
| = xrar according 10 the age. a woman may take
ont an endowment policy for twenty years at
the end Of which time she viii nave some
| like 81 800 paid over to her. ana Shouiu s''' u'
in tho mean time the 81 900 vii he phld to any
| I,rcnd.nt relative whom she may have CHOSEN.
In act has been recently adopted 10 90 away
with what has always been the most ohJ' non,
| ,tt. feature Of insurance for both men ana
women the one ing that mas houpticS' w.
! t.rr.d mare Utoy!r from insurinS their iEeS
| man any other consideration. The companies
! havc decided 10 themselves proVIde aSaiiis' ,h:
| harJ necessity % an individual losing all thit
! M. has mt in perhaps at great sacrifice -"i, q
| ,..,u, ~ being unable through some sudden
! ,,i-f,riilu- 10 pay rs premium Wh'h que. ny
/ h,yr established n sort of loan ihauiul!oh'
| whereby the insurer may h"rro" lI''h 'hc Co''.
a,,., ,,ith his policy security. an amount ~.
! ',tt cnIal ~ what n has paid in. AZ a rate ~
I interest loss than Ia" legal rate, pay ms Pi
! ,,iurn and perhaps cNtricatc hIHnsrII from MS
,,6,.lltics and tntn pay back the amount 10 ~
| any other creditor.