Evening star. [volume] (Washington, D.C.) 1854-1972, 1931-02-05
BACHELOR GIRLS CONSIDERED
GOOD RISKS FOR INSURANCE
Confidential Bulletin Gives Rules of Com
panies Engaged in Non-Medical Bust
ness-45 Years Age Limit.

Gentlemen may perfer blondes. bu
life insurance underwriters are strong
for bachelor girls with any color of
hair.
This is one Of the secrets dug out
of q confidential bulletin on the prac-
tice and experience of insurance COM
panieB operating in the non.fnedical
field which the American Life Con-
vention recently sent to the companies
that are members Of the organization.
The American Life Convention men,
bers were pioneers in the field Of non.
medical underwriting of life Insurance
risks. The confidential bulletin Is the
most complete thing of its kind on
non-medical life insurance ever COM
piled and, naturally, it contained much
specific information regarding COM
panies' experience and practices IN
non-medical underwriting which is
available only TO the companies that
received the special bulletin. This is
especially true OF individual company
practice, etc.
As Years Age Limit.
However, there are some matters of
general interest to not only ell COM
panieS selling life insurance, but to
men and women who purchase in
surance as well. The fact that I'M
married women are preferred by under
writing gentlemen is just one OF the
bits Of Information contained in the
bulletin.
Another fact that is somewhat alarm
ing is that the age As years is gen
orally accepted as the very limit at
which either men or women can be
safely sold life insurance without a
rigid medical examination. But in the
consideration of non-medical risks 1t is
known that practically all of the Amer
lean Life Convention companies de-
pend for protection on the conflden-
tial reports obtained by the trained
investigators of the American Service
Bureau, which serves only life IN
surance companies that are members
of the convention. These inspection
reports give the underwriting depart
ment of the insurance company accu-
rate data on the financial responsible
ity, personal habits and diversions OF
the insurance applicant.
In the confidential bulletin the ex'
perience of 115 companies writing non
medical risks Is analysed. However, on!
of the companies confines YloEl-InedicA
policies to juvenile lives.
Regarding their experience with non
medical business 80 companies reported
favorable" Three volunteered the In
formation their experience was more
favorable than with applications &C.
cepted after q medical examination ant
two others said they had received nj
claims on non-medical policies. One o.
these companies started writing nom
medical insurance in 1927 and thu
other entered the field in 1880. Ont
company furnished the very interesting
sidellght that its experience with non
medical business in Canada was much
more favorable than in the United
States. One company stated that il
had discontinued writing non-medica
business after three years experience
but it had confined its operations to 9
limited metropolitan field.
Experience "ToO New"
Seven companies explained their ek.
pefienee with Ilensfnedieal underwriting
was too new to venture an opinion.
Only Ave Of the companies writing
non-medical conf1ne their operations x
male risks But on the other hanc
only So of the remaining 100 inSurins
adult lives non medical are willing Il
accept both single ana married wonaef
on The same basis 40 men, and Of Thu
number four place restrictions on WON
en- as to either disability waiver Of
premium or income disability coverage
Two of these confine such limitations
to married women, one places restric.
ton on single women only as to income
disability, while the fourth company
doesn't restrict employed unmarried
women in regards to either disability