The Salt Lake herald. [volume] (Salt Lake City [Utah]) 1870-1909, 1907-08-16
WOMEN OUTLINE
THE STEINER SEX
! INSURANCE Companies Make
the Fair Ones Pay Consider
able More for AnnuitieS.
STATEMENT AMPLY PROVEN
RECORDS OF KNIGHTS AND La
DIES OF HONOR.

Women live longer than men, as rule,
says the Boston Herald. The insurance
companies say SO, and you can't fool
them as TO when people are going to die
and when they are not. Besides, they
not only say so, but they do what is far
more practical-they make the women
pay larger amounts for annuities, as
there is every chance that the females,
as the insurance companies call ladies,
en- masse. will Outlive the males
In general way, everyone is willing
TO admit this embarrassing fact.
Yes, that's true" said Samuel Hatha
way, grand secretary of the Knights and
Ladies of Honor. Women do live longer
than men, and the insurance companies
recognize it. In our membership there
are about 300 more women than men,
and still the death rate each year is
greater for the men than for the wo-
men"
The records of the order more than
bear out this statement. Beginning with
1885. the deaths of men were $40, of wo-
men AS. Thus, in As, 900 people, the men,
bership Of the organization at that time,
101 more men than women went to
what is popularity called the better land"
In 1856 the women who died numbered
z96 and the men 5fd, and in 1897 the pro-
portion was about the same, 496 men dy-
ing TO 4G7 women. During 1888 il was 1SS
men and 4S0 women.
More Men Than Women Dying.
Taking the total deaths in this organ
ization for the whole six years we have
Sl2 more men than women dying in this
time out of about 49 600 members. The
figures are not quite SO appalling as they
might be, but they count just the same.
II anyone can fix his or her mind on
the following formidable array of figures,
it will readily be seen that the situation
is a dangerous one:
Boston has a population of about 10000
people. The membership Of the Knights
and f,ades of Honor during the six years
previously mentioned IS equivalent 10
about One-thiTteenth of the population OF
Boston. Now, as good old arithmetieians
say, il in six years 3l2 more men than wo-
men depart this life, in one year, 80 more
men than women are laid under the sod;
and if this applies TO one-thirteenth of
the population of Boston, why among the
whole thiFteen-thirteenths there will be
times %. or 675. That is the CHASTITY fact
that figures, which never lie. present
to US.
There are three women to each poor
Boston man now, and yet an excess Of
676 of these precious men is lost to the
world each year, which, if you care to
look at it that way, leaves three times
&c, or 202S women, desolate. When one
thinks of it, il seems strange that there
are no more widows and old maids in
Boston ti>an there really are. The only
reason is, probably, that the roll Of
knights and Ladies of Honor, on which
these estimates are based. consists OF
grown persons, and the population of BOs-
ton includes children and boys and girls.
The death rate among young people is
not the same as in the case of elder per-
sons, for in some Insurance schedules
girls are labeled as less likely TO grow up
than boys.
The National Life Insurance company
expresses what it thinks of the compare
tive longevity of women and men in its
annuity tables. If any female wants an
annuity of 500 a year, she must pay 81,
1l46-20 for it, but if male of the same
age wants one he pays only S2.05f.50. as il
is not expected that he VIII need the an
nT4itKv the of time thar
the woman will.
-- At 30 years of age the man can get
one for Sl.S9770, but his wife, sweetheart
or sister must pay 81 9S4. 80, for the risk
is greater with her The proportion Is
the same up to s.. Even at that age, the
woman pays S4S7 for her annuity, whiie
the man has only TO pay S454 The Ma
tiOn3l Life Insurance company is not do
ing this for the sake of argument 1t
has fixed this schedule because the well
known fact that men are more likely 10
die than women has been carefully
worked down to square business proDo-
sitiOn.
Herbert B. Dow. actuary of the New
England Mutual Life Insurance company,
got down an aTmful of hefty volumes
when The Herald reporter asked him
what his experience had been with the
relative longevity Of men and women.
Women do live longer" he admitted,
perhaps sadly, land there are a great
many mortality tables accentuating that
fact. In insuring men and women we
but nearly all the companies charge
women a larger rate for annuities.'
Farr's Figures.
He then opened one of the volumes and
turned to the ssExperience Mortality
Table of William Farr. NJ. D.. F. R. S,
D c. l., chief of the statistical depart
ment of the English registry general 5
office, Somerset house, England, a gen
tleman who evidently had fine head for
figures.
Starting with 100000 men at 20 years of
age DR.. Farr found out as nearly as
possible how many OF these men would
be living at p, how many at p and so
on TO the ripe old age of IS. Then he did
the same thing with 100000 women.
Taking the 10000 males and the 10000
females at birth. when he got TO 20 the
number had dwindled down to 1923 men
and "a, 219 women. At 80 there We're S9,S65
men and S5,31S women; at 40, S2.2S4 men
and 75.l2 women, and at 90 72,126 men
Now this shows that the women had
died off faster than the men. but this
state of affairs ended at that age. AT
20 there remained S,l24 men and 5S,154
women. which shows that he females
come out ahead at the finish, anyway
DR.. Fairs mortality table also gives
the expectation of life for people of a
certain age. For instance, at he age of
20 q man is expected to live 4206 years
longer, a woman 40.8. At q II is man
33H woman, 1890, but at 40 the expec-
woman She does not catch up again un-
til 60. after which age her expectation OF
life is longer than that of a man.
Different Ratios at Different Ages.
A committee OF actuaries reported In
1888 that the average duration of male
life under Sc years is better than female
life; from Sc to 81 is better for females
and after 81 better for males. Their fig
ures for expectation of life put a woman
of 20 as likely to live 40.H years longer
and a man of the same age 39.SS years.
In another of Mr.. BOWS pOnderous
to~-es there is a table which shows the
relative ages of men and women at the
time of death Taking the usual 1905
TO start with. it is discovered by cir
cuitous figures that men have less chance
OF dying than women up to the age OF
90 and then they die off much more
quickly than women The situation IS
therefore not as serious as it sounded II
the first instance.
OF course. il is a shame. If the actu
aries report is true, that men have t.
die off faster than women from the age
OF S. to 81. This is time of life wheT
old maids are made or unmade. Nc
woman. losing a man in Boston where
men are so hard to get. would evel
have the courage to try and capture an