me general walks of life_, and
of the same general financial condition. They were almost equal in
numbers to the general class and did not form a small high grade
section of the policyholding body. On the contrary, greater care was
exercised in the selection of the non-abstainers because of the less
favorable experience anticipated on them, and many borderline risks
were accepted in the abstaining class because of a feeling that
their abstinence would neutralize some unfavorable factor.

UNITED KINGDOM TEMPERANCE AND GENERAL PROVIDENT INSTITUTION OF LONDON
HEALTHY MALES--WHOLE LIFE POLICIES
1866-1910

[Illustration: graph]

EXPECTED MORTALITY________________________________________100%

NON-ABSTAINERS, RATIO ACTUAL TO EXPECTED MORTALITY........ 91%

[L]ABSTAINERS, RATIO ACTUAL TO EXPECTED MORTALITY--.--.--. 66%

MORTALITY AMONG NON-ABSTAINERS--STANDARD RISKS--37.7% HIGHER THAN AMONG
ABSTAINERS

[L] THAT IS, WHERE--ACCORDING TO THE MORTALITY TABLES UPON WHICH
PREMIUMS ARE BASED--100 WERE EXPECTED TO DIE, ONLY 66 ACTUALLY DIED.

* * * * *

SCEPTRE LIFE ASSOCIATION OF LONDON
WHOLE LIFE POLICIES
1884-1911

[Illustration: graph]

EXPECTED MORTALITY________________________________________100%

NON ABSTAINERS, RATIO ACTUAL TO EXPECTED MORTALITY........ 80%

ABSTAINERS, RATIO ACTUAL TO EXPECTED MORTALITY--.--.--.--. 52%

MORTALITY AMONG NON-ABSTAINERS--STANDARD RISKS--51.8% HIGHER THAN AMONG
ABSTAINERS

THE LIFE EXTENSION INSTITUTE, INC.

* * * * *

THE SCOTTISH TEMPERANCE LIFE ASSURANCE CO. OF GLASGOW
HEALTHY MALES--WHOLE LIFE POLICIES
1883-1912

[Illustration: graph]

EXPECTED MORTALITY________________________________________100%

NON-ABSTAINERS, RATIO ACTUAL TO EXPECTED MORTALITY........ 66%

ABSTAINERS, RATIO ACTUAL TO EXPECTED MORTALITY--.--.--.--. 48%

MORTALITY AMONG NON-ABSTAINERS--STANDARD RISKS--43.5% HIGHER THAN AMONG
ABSTAINERS

* * * * *

COMPARATIVE MORTALITY AMONG USES OF ALCOHOL 43 AMERICAN LIFE INSURANCE
COMPANIES 1885-1908

DEATH RATE AMONG INSURED LIVES GENERALLY--MEDICO ACTUARIAL TABLE
100 |||||||||||||||||||||||||

DEATH RATE AMONG POLICYHOLDERS USING 2 GLASSES OF BEER OR 1 GLASS OF
WHISKEY DAILY
118 ||||||||||||||||||||||||||||||

DEATH RATE AMONG POLICYHOLDERS GIVING HISTORY OF