The St. Louis Republic. [volume] (St. Louis, Mo.) 1888-1919, 1904-09-04
Life Insurance Man Makes the
Lowest Rates for Those Who
Are Abstemious.
THEIR YEARS THE LONGEST.
English Companies Are Glad to
Pay q Ten Per Cent Bonus
to Obtain Teetota-
lers.

n II Q cur1ous fact that the prohibition
movement In England vas drst organized
through the refusal In 1870 OF q life In
sursncs company to accept q total alb
stainer a. its ordinary advertised rates
says an English paper.
The medical adviser Of the company
held that total abstention not only sub
Sected its professor TO unusual risks Of in
lection. but also implied such Q peculiar
character. 90 different from that Of the
average man on which their statistics
were based. that these could not b relied
upon In Determining the risk
This man was Robert Warner. . bell
founder. Of London He was y years OF
age. total abstainer. and Quaker. He
Immediately set about forming an insur-
ance company Of his own. and with the
assistance OF ether total abstainers and
members Of tho Society Of Friends soon
succeeded IN establishing the United
Kingdom Total AsstainerS Life -Associa-
uon- In which Warner took out the arst
policy.
In nfs . new department was ADDED to
the company. to which Misunderstanding
members we're admitted However. only
those who used alcohol in such modera-
en s' 20 s'Gn . from - :s S:s could ne ?:
eame OF the society was changed to the
United Kingdom Temperance and Genera
rrovident Institution: From 1855 to 1901
burIns this shirty-s,. years IN the mod.
crate drinking division there occurred H..
~ deaths. with claims amounting to si2.-
ee9.Sa. In the temperance division thcr"
we're 800 deaths. with claims Of 0.24s.1.
Aecordlns 70 ealcuatIons based on the
tuaries. there should have occurred II. III
and 60 deaths respectively The deaths
omons the moderate drinkers we're - Iess
those among the total abstainsn Wsre g.
the prohibitionisis
INSURANCE PREMIUM Low.
According to Doctor J. simms Wood.
head. . prominent physician. the position
Of the English companies II nov exactly
reversed and they are elsd to pay . 10 per
cent bonus to total abstsirera
During the last year thcre has been an
unusual amount OF discussion By leading
physicians In Dnsisnd and France on the
IA beverage. There has thus been put
.-1he.t scientific character. free from the
~ ohibitionist literature. The conclusions
justified By the experiences Of the majority
Of these men may 10 summed up ~ foI-
In certain bodily conditions and when
carefully Administered. alcohol II . vaiu.
ebis drug. but II Is at present used much
Use as a daily beyerage. In any form !.
iiiastrsiion Of iis msdieinaI u.s' Dir sam
sei Wilkes cites the following Csc:
asct q heart ' disease is " lad an.i i' ssen
forced to take to her bed. and Doctor
Wilkes was called IN consultation. II was
z matter OF Formally. a. she was thought
"ehs was lying In bed gaspins. with =
eutterins heart and an almost iTnpercept-
=: ". ssins psS with ao brandy n oeS.i
Who We're present d,d no, percsivs that
they were poisoning her. but nevertheless
Spirit met her . short time Afterwards
walking In the street"
As 70 the daily drinking Of some form
against t. several physicians had OBJ
served no III elects from its U.s. In mod
grafton IN tnemseives or their patisnte.
calls attention to the Significant fact that
when the body II being trained Tor any
unusual exertion the use Of alcohol u
strictly prohibited.
ATHLETES eHUN LIQUOR
Speaking Of his athletic career q Che
University Of Edinburgh, hs saysi
Il was early IMPRESSED By the tact that
aeariy every athIsts Who vas not already
IN abstainer became practically . tee
totaIer during his period Of strict train
Ing. and In some cases had % to alter
his routine of life that he found % al
most impossible to do anything but keep
band, who were teetotaIefs had 10 alter
our daily routipe Of living comparatively
little: We could continue our work tn the
classes. and Il was not necessary for NJ
70 refuse dances Or dinners-
1T vas not the dancing. the dining o.
the working that upset men. Il was get
ting rid Of the alcohol ! may say most
eessfui sthietic years did my best olass
-xwork. and during the whole Of that time
do not know that I had to refuse q
single invitation on account Of trimming"