ifty,
and in 1894 further differentiated applicants so that those under forty
years of age might secure $4500, those under forty-five years of age
might obtain $3000, and all over forty-five and under fifty years of
age, $1500.[73] Even now the Switchmen and the Trainmen offer equal
amounts to members of all ages at the same rate.

[Footnote 70: Constitution, 1886 (Terre Haute, n.d.), sec. 71.]

[Footnote 71: Constitution, 1887, Arts. 12-13, in the Railroad
Telegrapher, Vol. 2.]

[Footnote 72: Constitution, 1888, second edition (Rochester, 1890), p.
38.]

[Footnote 73: Constitution, 1894 (Peoria, 1895).]

The Maintenance-of-Way Employees and the Letter Carriers not only limit
the age of the insured but also grade the charge per $1000 according to
age. In the case of the former, members from eighteen to thirty-five
years of age pay $1 monthly per $1000 of insurance; those from
thirty-five to forty, $1.25; from forty to fifty, $1.50. Insurance rates
in the Letter Carriers' Mutual Benefit Department have, with the
exception of the first year of operation, been graded according to age.
The minimum and maximum age limits are twenty-one and fifty-five years.
The monthly rates vary according to age from 77 cents per $1000 of
insurance at twenty-one years to $2.06 at fifty years.

The following table shows the regulations as to the amount and rate of
insurance issued according to ages:

Amount of Insurance
Organization. Age Classes. Issued.

Engineers ............. Under 40 years. $4500
40 and under 45. 3000
45 and under 50. 1500

Conductors ............ Under 35 years. 3000
35 and under 45. 2000
45 to 50. 1000

Firemen ............... Under 45 years. 3000
45 and over. 1500

Trainmen .............. No age restriction. 1350

Telegraphers .......... 18 and under 45. 1000
45 and under 50. 500
50 and under 60. 300

Switchmen ............. No age restriction. 1200

Maintenance-of-Way
Employees ........... 18 and under 45 at
graded rates. 1000

Letter Carriers ....... 21 to 55 at graded rates. 1000 to 3000

The ne