Evening journal., 1901-11-09

make out special policy for him ad
iusted to the extra risk we are un-|
ming in his case, but it would be shee
folly not to insure him. | really can
understand why we were blind so long
Nov you take the problem of the|
liquor men. IL has always been con
sidered that the wholesale liquor mar
was little affected by his business andI
was usually a fair risk. The retail
dealer was. in a majority Of cases. al
bad physical and moral hazard. and the
barkeeper couldn't be written at all
That was absurd. We have a scale oil
| liquor business risks Even If a liauOrl
man passes medical examination hel
may, perhaps, be refused a regulalI
policy, burt according to the verdict oil
that medical examination and his per
sonal character, a sub-a.andard policy
may be written for him A fireman.
may be considered a bad risk, yet theI
mortality among fremen isn't phenom-
enally high. A pilCt takes big chances.
but large majority of pilots die inI
their beds
''Then look at this question OF SOL
called hereditary disease. A child NAV
inherit a tendency toward lung TROUBLED
Wen say. lit doesn't by any means fol-
low that because there has been con-
sumption in his family that a man
will have weak lungs. or, if he does
have weak lungs. he isn't necessarily
going to have consumption. We take
into consideration all circumstances.
whether one of the parents had the
disease whether the child is like that
parent or the other. the condition of
lungs and general health at the time
lOf examination. the environment and
chances for healthful living And un-
less there is a positive evidence that
the applicant already has the disease.
We give him a sub-standard policy.
We have even insured on a regular pol
icy persons whose parents died of con-
sumption. In one case two sisters ap-
piled. The mother had been con-
sumptive. One girl got regular pol
icy; the other one we couldn't insure
at all.
'As for a weak heart. every second
person has a weak heart in this daS
and generation. Few OF them die oi
it.
Jews arc good risks. One of those
lanaemic looking Jews hangs on Longer
than the average healthy Christian
They are not really well, but they dc
not get seriously i'll and they do moi
die young. You would be surprised tC
know how many of them take out lif,
insurance. They are thrifty and savinl
and fond of their families. They viii
deny themselves food to keep premiums
? paid up: and they are so particular
about what they are getting. 1t is "a
much trouble to write 81 900 over ther'
as to write 800. 600 elsewhere. but w
are glad to do the business. The mel
are a good moral hazard. They hav,
3 no bad habits. They lead temperate
e moral lives. That offsets the sanitar,
I risk
I But then. almost everybody will
lie to an insurance company It's lil1
' lying to a customs inspector. The.
think it doesn't count The funny par
5 of it is they might as well save thei
S breath. for it isn't once in a thousan
times that the lie succeeds. The medi
. cal examination tells everything. an
e. we sift everything else to the bottom
S We don't merely rely on the applicant
1 word. Every time any one is rejecte
/. he goes on the insurace black lis
< which all of the best companies inter
70 change and consult ! can tell by con
r lsulUng the list whether an applican
n has been rejected by another compan
e. and why In the old days men wen
S from company to company trying des
T. lperately to get insurace. They max
the rounds now trying to get regJ
d lar policies. Then they settle dow
l. and take out a sub-standard polio
{. wherever they can make the best term
n No two companies have just the sam
n ideas on risks. We may consider
o man a fair proposition whom anOtht
y company thinks bad risk, and we ma
lei give him better terms than they woul'
q but it is perfectly useless for him to te
Is us he hasn't applied elsewhere. W
y know perfectly whether he has, an
o il he has. what the verdict was"