The sun. [volume] (New York [N.Y.]) 1833-1916, 1901-09-22
EASIER NOW TO GET INSURED.
ONLY THE tBvtRINE DU Err
~ FLtTLY BaRRED.
the iHc Companies Have Great, Altered
Their Views Relative 30 Glasses of
Persons ina Were Hitherto Consid-
cred To he Extra.IIsyardous Risks.

There - a saving currcn, in life insurance
circles 20 tho effect that nothing hut an
autopsy makc- n man Ineligible for life
insurance TO-DAY. Only a few years ago
the lri 81 the ineligible was a long one
and n host Of occupations shut men out
from Insurance. while hereditary disease
or symptoms ~ serious chronic ailment
were ir~surmouniable Lar Now. there
j. just one profession to whose followers
an Insurance policy @, inevitably denied,
even 10y the mos, liberal companies. The
submarine diver must 20 uninsured. He
enjoys tho rather depressing distinction
~ belonging 90 the only profession which
- considered too hazardous for even The
most elastic sub standard risk
Before is9s. hc had plenty ~ company
Now fr-mcn. harhor pilots. policemen.
engineers. glassblowerr. men, in the life
aving service. bnrtenders. all those who
lead the strenuous life and court an untim.ly
end. are taken, hgiratively speaking.
Ia tho bosom of he insurance companies
Naturally. the terms ~ their policies differ
a. the problematical danger Of their occu-
pations varies. In several Of the larger
companies. the electrical linenan II cons.d-
erred the biggest riHk for whom a policy
is written. but. II he h willing 20 agree
to the company terms. he can get his
Insurance
Tn" scale upon which these terms are
adjusted differ IN 'he various companies
The Company which vas the first 60 adopt
tho S~ub-standard policy. and l. now the
most far reaching ~ the carrying ont ~
that policy adjusts tho extra risk penalty
by means Of a lien on the policy The
man insured pays ~ larger premium than
he would under ordinary circumstances.
but the agreement into which he enters
provides that, II he dies within n year.
the amount Of his policy IL cut down by
The amount which represents the extra
rusk in hrs case. II he lives two years.
le-s Is suhtr acted When he has, - 20
speak. outlived the amount Of tho lien. his
disa bility Is wiped out and he has his full
policy a. regular rates Other companies
arrange the matter bv writing the policy
NJ the risk rate u "A certain considerable
advance In years.
In the matter 81 physical disability. things
have changed a. radically A. IN the matter
~ professional disability The medical
examination u a. severe As ever. and 10
Obtain n regular policy a man must pass
this examination, but a physical cundi-
ton which, five years ago would have
mad" " impossible for a man 10 obtain
insurance now merely means hat he must
VI ~ ~ ~ IfAN W.
get hi- insurance II he L. willing 20 pay
Hteralls for the extra risk the company
l. taking OF cour~e there ~ a limit 10
this possibility Men over NJ years 81 age
are seldom insured unless conditions are
exceptional and the thing IL considered
a gilt edged risk Men ia the most adj
vanct-d stages Of chrome disease, whose
lease 81 life ran h. definitely determined
a. short. are. Of course. deharred from
Insurance But serious chronic disease
tV ta anN1tAW a aR.aa As-a NOT nNAan satRN-
ton
The insurance companies studied sta
tistic- I'm regard TO disease and mortality
until they satisfied themselves that they
we're turning away good money on an
illogical assumption. They found that
a man may have weak lungs OF kidney
trouble or a troublesome heart al IS and
die ~ mumps or measles AZ ~. Statistics
for a certain number ~ years showed that
the number Of deaths among the rejected
was not 50 large In proportion A. the mum
her among the acceptfd.
1t ISN'T the sick men who die, aid a
prominent official Of QUE Of the NeN York
Insurance companies to a Srs reporter
There never was anything truer than The
old saving that a creaking door L. long on
it, hinges The man who has something
wrong with him usually takes better car.
81 himself than the man With a fine consti-
tuition does lie isn't taking chances, and
unless his disease IL one bound To progress
hNhh " : ANFAN ~ 49, ~ wv
have to make out a special policy for him
adjusted To the extra risk W. are running
In his ca-e. hut u would no sheer folly not
90 insure him | really cant understand
why We wer" blind 50 long
Now YOU take tho problem 81 the liquor
mel. II has always h+en considered that
the wholesale liquor man was little affected
10y his business and was usually n fair risk.
Tho retail dealer was in n majority Of cases
n bad physical and moral hazard. and tho
- Il. AAtNllVff IN RVaff.Nn m a all InuF
was absurd We have q scale ~ liquor
business risks Even II r liquor man pa sses
medical examination no may perhaps be
refused n regular policy, hut according
60 the verdict ~ that medical examination
aud hi- personal character a sub-standard
policy may H. written for him A fireman
NAV he considered a had risk. yet the NOR
talitv among hremen isn't phenomcnallv
high. 4 pilot takes big chances, but a
largr majority Of pilots die in their beds.
Then look n this question ~ so-called
hereditary discuss A child may inherit a
tendency toward lung trouble, We'll say.
II doesn't by any means follow that he
caus. there has been consumption In his
family q mar will have weak lungs, or. II
he does Ia We weak lungs. he isn't necessarily
Coins 10 have consumption. We take
into consideration all the circumstances.
whether one of the parents had the disease.
whether the child ~ like that parent or
the other. the condition ~ lungs and gen
eral health ~ Inc fime Ot examination,
the environment, and chanccs for health
ful living And unless there j. a positive
.videncr hat the applicant already has
the disease, We give him a sub-standard
policy We nave even insured on a regular
policy persons whose parents died OF Cuu-
sumption In one case two sisters APP
piled The mother had been constructive.
One girl got n regular policy, the other
on" We Couldn insure al all
~ for a weak heart every second per-
son has a weak heart In this day and genera
ton Pow ~ them die ~ u.
We do an Immense business ON tho
lnwcr East Sidc Now Won would think
ih. risks would 10 great over there The
life j. 80 unsanitary The people look
anrnic and hollow eyed. but YOU cant
tell ANYTHING hy that. The Jews arr good
risks One 81 tho-a ans'mic looking Fast
side Jews will hang M longer than III"
average healthy Christian. They ara not
really well. hut they do not get seriously
IN and hey do not die Young You would
L.. s1upriscd 70 know how many uf them
take utt life insurance They arr thrifty
and saving and fond Of their families. They
will DENY themselves food 10 keep prem
iums paid up. and they are - particular
about what they am getting " i a. mech
,rpuhl" 10 write 81 on over th"nr a. 60 write
si1 an el-sN here, hmt We arr glad 60 do
~. hti-inc~s In" men are n gusd moral
la-arI IbgN haVa mn lad habits They