Iron County record. [volume] (Cedar City, Utah) 1893-1982, 1910-10-14

en- years, total abstainers only we're
being accepted and II was observed
that the mortality occurring annually
was considerably more favorable than
that Of any OF the other companies
Progress, however, was slow and IL
was decided that a general section
should be added In which such sels ct
risks would be accepted as INDUCED
In the use of alcoholics to the extent
permissible by the other companies.
In this manner only could the Gem
paratlve mortality occurring In each
OF the sections be determined and the
vexed question Of the influence Of al
cohol, 90 far at least as the question
of mortality 10 concerned. be clearly
established.
1t was not. however, until 1903,
more than sixty years after the for.
nation of the parent Organization,
and ABOUT fifty three years after the
establishment OF the general section,
tina, q sufficient amount OF data had
been accumulated to enable the com.
pany to present the results OF Its ex-
perience, based upon the comparative
mortality occurring In the two SEQ
tions aud upon sufficiently large
} mum bers to be reliable.
IL has since been learned, Through
communication with the compspy's
3 Actuary, Sir Roderiok Moors,) that
Q the data has been brought down to
March, 1904. And IL confirms In ev.
cry particular, that which had been
demonstrated by their previous ex
I perience. For he drst time, there
a fore, In the history OF statistical In
quiry OF this sort IL is clearly shown
, that the mortality occurring annually
a among abstainers is persistently lesi
than that occurring among non alb
stainers.
A system was slso adopted whereby
y any Of the insured 10 either section
~ could be transferred to the other, un
der certain restrictions, for example
/. persons insured In the total abstin
enoe section who became unwillin
|. for sentimental reasons to be thu
classified. could be transferred to tn
4. non. abstainers section upon apple,
'. tlon on the other hand, non abstain
n ers not iufrequently discontinued th
I use OF alcoholics of all kinds. an
a thus become eligible tn be tran'
ar ferred to the abstainers class after
"A full years probation. TransfeII
be however, could not be made to eiths
be section during Ill health or after th
q attainment of the age of seventy.
or An equitable adjustment havin
b thus been made. 1t soon became az
ly parent that the mortality occuriu
b. among the insured In the non al
H.. stainers section was, as stated, In o,
1T cess OF that among abstainers. II
n deed, so manifest was the increase
he average longevity OF abstainers tn
en- many applicants possessing somewh
ira defective personal or family histo
to les, or who because OF occupatio
IT. environment or other cause had US
ed ally been either rated to a high
ere premium or fatty rejected, were n
is quently accepted In the temperan
section at ordinary rates. Thus
ed will be observed that an adverse {
yas lection was actually going on agair
At abstainers, but as counter balanci
al influence 1t was maintained that
The tai abstainers were a contented, {
ter Der, careful and methodical class
Is) people, circumstances which In the
by selves tended to lengthen life.
re. any rate aud notw outstanding I
per probability that there may have be
In some truth In this contention the q
periority Of sbstainers as life inst
So ance risks was marked as oompar
nre With the average of those accepted
was ordinary rates. 1t would thereto
q a appear manifest that total abstineu