The Cairo bulletin. (Cairo, Ill.) 1???-1928, 1906-12-27
To The Field Force:
GENTLEMEN

It is to address you each at the time Of or
annual Superiatendents Convention Usually this held about
the middle of the topic of he Bulletin is naturally
the Statement of the Company This the Supern
tendents meet in convention the middle of December and o.
vously the record Of the is not made and it would
be premature 10 set forth the progress Of the Company in ~
something plea ant
you accomp shed
but our immediate object is tell you about err plans for next
year.
Industrial Department.
You from addresses, both oral and
part business will witness that treat
men Of The pocholders has been progressive beay
since the administration Of the Company began
The very year its incumbency Paidup pocestheret
fore unknown Idu, trial insurance in this an
and every year something
for industrial poicyholde beyond promise made in The
ties its date and since then the successive have been
marked by progressive fits and benefits offered pocyho
Of about millions of dollars in voluntary dividends
unpromsed dividends twelve years about ten
millions of dollars to Industrial pocyholders in the form OF
dividends premiums dividends on death claims and increases
of benefits upon existing policies.
We have been enabled TO accomplish this work all these
years by steady improvements u business methods BY steady
extensions business territory by steady addors to insurance
in force by waehfuness writing and taking of business
resulting in decreasing death rate deceas ne lapse rate and
decreasing rate Thee Improvements we have an
iacthei gradual steady progressiyenesyou have failed to
their full significance Yet by have told you
policies distribute the surplus that each
larger proporonate could be returned to pocholder
and smaller proporonae amount used in expenses
Within the last few disbursements for death
claims have continuously markedly
ton ratio of shown
steady improvement that thought the time had
scientific speak, of the technical tea
of the business We have made investigations into our
drawn off into various periods experience OF
mortality The mortality tables which our presen
taken the experience OF 1S90S9
this with tables taken from the experience
other periods shown steady improvement in mortality
children the result really startling Take for
two birthday Our table shows 49,
per table S9G905 shows but $685. three
figures pecvely 50 and 243: five 16 and 9S
age 49, this improvement through the In
fantie table As TO also marked improvement
These facts convince that the time has come to
sct founded upoa experience Of
l905: confirmed in conviction by the fact
table from the l9o1-l905 shows better
the full decade. And 1t TO ms
tables the experience of white lives;
benefits based the improvement which we eeI
this improvement Is Illus
figures comparing the table which our
present based with table of white lives for the
Deaths thousand; two next birthday
three - 225; orr 2l5 TO 49,
SIS S4 twenty los to IL; age
thirty Ill; forty 1913 to 13 The other element be-
mortality Involved in table of benefits is OF course the
expense know ratio of expense to premium in
been falling for this year the reduction
phenomenal and will reach think by the end OF
year. cent? This alone saving OF nearly
a half millions of dollars! We shall show lower
expense than has been experienced by any
Industrial company in the world.
other element into the construction Of tables OF
up present table convinced that public
enamoured Industrial has
years. you know mainly upon Endowment