MEDICO-ACTUARIAL MORTALITY INVESTIGATION VOLUME II INFLUENCE OF BUILD ON MORTALITY AMONG MEN CAUSES OF DEATH AMONG MEN MORTALITY AMONG WOMEN INFLUENCE OF BUILD ON MORTALITY AMONG WOMEN CAUSES OF DEATH AMONG WOMEN MORTALITY AMONG NORTH AMERICAN INDIANS NEGROES, CHINESE AND JAPANESE IN NORTH AMERICA Compiled and Published by The Association of Life Insurance Medical Directors and The Actuarial Society of America NEW YORK 1913 MEDICO-ACTUARIAL MORTALITY INVESTIGATION By The Association of Life Insurance Medical Directors and The Actuarial Society of America JOINT COMMITTEE From The Association of Life Insurance Medical Directors From The Actuarial Society of America E. W. DWIGHT OSCAR H. ROGERS EDWARD K. ROOT BRANDRETH SYMONDS HARRY TOULMIN THOMAS H. WILLARD J. M. CRAIG JOHN K. GORE, Chairman ROBERT HENDERSON ARTHUR HUNTER T. B. MACAULAY Emory McClintock E. E. RHODES A. A. WELCH D. H. WELLS SUBCOMMITTEE IN CHARGE OF INVESTIGATION E. W. DWIGHT JOHN K. GORE ARTHUR HUNTER E. E. RHODES OSCAR H. ROGERS BRANDRETH SYMONDS A. A. WELCH, Chairman THOMAS H. WILLARD CHAIRMAN CENTRAL BUREAU ARTHUR HUNTER REPORT OF THE JOINT COMMITTEE ON THE MEDICO-ACTUARIAL MORTALITY INVESTIGATION INFLUENCE OF BUILD ON MORTALITY AMONG MEN The material supplied by the Companies for the study of the influence of build on mortality consisted of- (a) General Build cards, for all policies on standard lives in the United States and Canada issued in January of the odd years and July of the even years 1885 to 1900, inclusive. (b) Special Build cards, for policies issued in the other months of these years and in all months of the years 1901 to 1908 inclusive on lives whose weight came within the groups 3, 4, 5, 7, 8 and 9 of the table adopted by the Committee for the purpose of obtaining data on over- weights and underweights (Vol. I, pp. 120-1). The Height and Weight Table contained in the instructions issued to the Companies at the beginning of the investigation is for age 37; groups 0, 1, 2 and 6 comprise those between 15% below the scale and 25% above it; groups 3, 4 and 5 those more than 25% heavier; and groups 7, 8 and 9 those more than 15% lighter than the average weight for age 37 at entry. The object in calling for the Special Build cards was to secure sufficient material among the insured who were distinctly overweight or underweight. As the table used in distinguish- ing the Special Build cases for all ages at entry was based on the weight of men aged 37, the material supplied by the Companies included a large number of cases at the younger ages less than 15% underweight, and at the old ages at entry less than 25% overweight. Both the General Build and the Special Build cards called for the height and weight of the insured, and the mortality investigations have been based upon the statistics of height and weight according to the ages of the insured at entry. Therefore, the use of a Height and Weight table based on age 37 at entry, for determining whether or not any policy should be included in the data supplied by the Companies, did not invalidate in any way the deductions drawn from the data, but had the advantage of securing additional material where it was most needed. To repeat, neither the manner of securing the material, nor the different proportion of overweights and underweights at young and old ages respectively, has had any effect on the mortality, measured according to degree of departure from the average weight, because the true average weight for age at entry has been used in classifying the cases. General Build cards for issues subsequent to 1900 were not called for, as the additional material would have been confined to entrants varying little from the average weight, and exhibiting no marked departure from normal mortality. The exclusion of these recent issues has slightly affected the results for the groups at or near the average weight. There were received, in all, the records on 812,221 policies on the lives of men, but it was deemed advisable to eliminate the cases at the extremes of height and of ages at entry. The Committee, therefore, dealt with policies on men whose ages at entry were from 20 to 62 in- clusive, and whose heights ranged from 5 feet 3 inches to 6 feet 2 inches, representing 744,672 cases, or 92% of the data submitted. With regard to the insured above age 62 at entry, it was thought that the adverse effect of self-selection by the applicants at these advanced ages on the one hand, and on the other, the greater care in selection exercised by the Companies, had 5 disturbed the normal mortality sufficiently to render any investigation into the influence of build of little value. The group insured at ages 15 to 19 was also excluded for several reasons. These ages mark the transition period from boyhood to manhood. There is a wide difference between the average weight at age 15 and the average weight at age 19, and deductions made from investigations based on a variation of 5, 10, 15, etc., pounds from the average weight in the group would be of little value. More than three-quarters of the data were on lives from 10 to 20 pounds under the average weight, and statistics for other weight-groups were too meagre to be of value. In this connection it may be explained that the average weight was derived from the General Build cards, while, as already mentioned, the present statistics include the Special Build cards, much the greater part of the latter for age-group 15-19 being on light weights. Furthermore, the methods of selecting risks at these young ages probably differed widely among the Companies. The extent of the material and the average period of exposure to risk may be seen from the following table: AVERAGE PERIOD OF EXPOSURE MEN Height 5 Feet 3 Inches to 6 Feet 2 Inches inclusive. Ages at Entry 20 to 62, inclusive Ages at Entry Number Entering Years of Exposure Average Period of Exposure in Years 20-24 152,862 948,394 6.20 25-29 175,155 1,223,743 6.99 30-34 149,016 1,093,268 7.34 35-39 109,762 805,614 7.35 40-44 73,934 537,156 7.27 45-49 44,530 312,055 7.01 50-53 20,855 142,896 6.85 54-56 9,792 67,632 6.91 57-59 5,850 39,275 6.71 60-62 2,916 19,265 6.61 Total 744,672 5,189,298 6.97 The Committee desired information on two main points: 1. The variation of the mortality according to the degree of departure from the average weight; 2. The build at which the lowest mortality was experienced for the various ages at entry. The cards under each age-group and height were first sorted into weight-groups, the unit figure 0 or 5 of the weight being the central figure in each group. For example, the weights 123, 124, 125, 126 and 127 formed one group, and the weights 128, 129, 130, 131 and 132 the next group. The 5-pound groups in which the average weights (see p. 37, Vol. I) for each age-group and height were located constitute the average-weight groups. The overweight and underweight groups were then classified as follows: METHOD OF HANDLING THE DATA UNDERWEIGHT GROUPS OVERWEIGHT GROUPS - 5 pounds -10 pounds - 15 pounds to -20 pounds - 25 pounds to -30 pounds - 35 pounds to -45 pounds - 50 pounds and more 4- 5 pounds + 10 pounds + 15 pounds to +20 pounds +25 pounds to +30 pounds +35 pounds to +45 pounds + 50 pounds to +60 pounds +65 pounds to +80 pounds + 85 pounds and more 6 The group "+5 pounds" is the next higher 5-pound group to that in which the average weight is found. Thus, if the average weight were 126 pounds, the ''average-weight group" would contain all persons of 123 to 127 pounds, and the '' + 5 pounds group" would contain all persons from 128 to 132 pounds. Similarly, if the average weight were 124 pounds, the ''aver- age-weight group" would be the group from 123 to 127 pounds, and the '' + 5 pounds group" the group containing those from 128 to 132 pounds. Consideration was given to dividing the statistics into one-pound or two-pound groups, but this was deemed inadvisable, especially in view of the considerable proportion of estimated weights, and of the fact that 60% of the stated weights of the insured ended with 0 or 5 (Vol. I, p. 16). It is believed that the plan adopted of 5-pound groups will give as accurate results as may be obtained from the statistics. The data were then combined into three sections according to height: (a) Short men-5 feet 3 inches to 5 feet 6 inches inclusive (b) Men of average height-5 feet 7 inches to 5 feet 10 inches inclusive (c) Tall men-5 feet 11 inches to 6 feet 2 inches inclusive. The expected deaths were then determined under each age-group for each of the three sections of height and according to the fifteen subdivisions already described-namely, the average-weight group, the six underweight groups, and the eight overweight groups. The expected deaths were calculated by the select table of mortality known as the M. A. Table, which appears on pages 89 and 90 of Volume I. Full details appear in Table I, pp. 63-107. Attention is especially drawn to the fact that in all the exhibits hereafter given, and in all the comparisons of actual and expected deaths the grouping is based upon the average weight according to the ages at entry. The table appearing in the Instructions, which was based on the average weight at age 37, has not been used in determining the influence of build on mortality, nor in any way other than to ascertain which entrants came within the Special Build limits. SYNOPSIS OF RESULTS In Table II, pp. 108-9, the three divisions of height are combined, the number entering, the actual and expected deaths and the ratio being given under each age-group for each weight- group. A synopsis of Table II by ages at entry and by policy years is given in Table A. In these and the succeeding tables the statistics include only the data of heights from 5 feet 3 inches to 6 feet 2 inches inclusive, at ages at entry 20 to 62 inclusive. 7 TABLE A MEN ALL POLICY YEARS COMBINED Ages at Entry Number Entering Actual Deaths Expected Deaths Ratio 20-24 . 152,862 4,982 4,362 114% 25-29 175,155 6,496 6,008 108 30-34 149,016 6,617 6,117 108 35-39 109,762 6,209 5,614 111 40-44 73,934 5,801 5,115 113 45-49 44,530 4,598 4,180 110 50-53 20,855 3,082 2,746 112 54-56 9,792 1,796 1,752 103 57-59 5,850 1,334 1,317 101 60-62 2,916 802 827 97 Total 744,672 41,717 38,038 110% Policy Years Actual Deaths Expected Deaths Ratio 1 3,258 3,214 101% 2 3,462 3,221 107 3 3,340 3,023 110 4 3,129 2,835 110 5 2,975 2,681 111 1-5 16,164 14,974 108 6-10 12,862 11,500 112 11-15 8,299 7,365 113 16-24 4,392 4,199 105 1-24 41,717 38,038 110% ALL AGES AT ENTRY COMBINED The foregoing tables show that the aggregate mortality is only 10% in excess of the ex- pected deaths by the select mortality table adopted by the Committee, the maximum varia- tion of any age-group being 14% from the standard. In view of the fact that fully one-half of the cases are more than twenty pounds over or under the average weight (see Table B), some excess of actual over tabular mortality was to be expected. The next table is a synopsis of the results according to various weight-groups for all ages and policy years combined. 8 TABLE B MEN ALL AGES AT ENTRY AND POLICY YEARS COMBINED Variation from Average Weight in Pounds Number Entering Actual Deaths Expected Deaths Ratio -50 and more 1,685 165 160 103% - 35 to -45 57,737 4,199 4,375 96 -25 to -30 207,486 9,873 9,442 105 -15 to -20 209,805 7,997 7,481 107 -10 28,894 1,574 1,637 96 -5 26,186 1,480 1,529 97 Average 24,525 1,381 1,422 97 +5 20,412 1,176 1,188 99 + 10 16,453 970 999 97 + 15 to +20 22,363 1,497 1,443 104 +25 to +30 14,520 1,267 1,122 113 +35 to +45 54,295 5,061 3,876 131 +50 to +60 46,417 3,697 2,563 144 +65 to +80 12,119 1,144 695 165 +85 and more 1,775 236 106 223 Total 744,672 41,717 38,038 110% The mortality from 10 pounds underweight to 10 pounds overweight, inclusive, is about 97% of the expected deaths, and from 20 pounds underweight to 20 pounds overweight, 102%, these percentages indicating the reliability of the M. A. Table. There is an apparent steady advance in relative mortality with increasing weight, but only a slight increase ip the mortality among underweights compared with those of average weight. It would be unwise to base con- clusions on this synopsis without further analysis, because all ages are combined and the effect of underweight at the young ages is obscured. It will be seen from Table II, pp. 108-9, that the relatively large numbers in the weight-group - 15 to -20 pounds, and in the weight-group -25 to -30 pounds, are found chiefly at the younger ages at entry, and are due to the use of a table of height and weight based on age 37 at entry in determining Special Build cases. The distribution of overweights has been affected by the same cause. EFFECT OF UNDERWEIGHT ON MORTALITY The effect of underweight on mortality will be best seen from the results in the three follow- ing weight-groups, taken from Table II: (a) - 5 to -10 pounds (6) -15 to -20 pounds (c) -25 to -45 pounds. 9 TABLE C MEN-UNDERWEIGHTS ALL POLICY YEARS COMBINED Ages at Entry Number Entering Actual Deaths Expected Deaths Ratio 20-24 13,066 479 449 107% 25-29 13,469 545 552 99 30-34 11,242 555 535 104 35-39 7,724 428 470 91 40-44 4,783 334 393 85 45-49 2,579 284 292 97 50-56 1,727 291 324 90 57-62 490 138 149 93 Total 55,080 3,054 3,164 97% - 5 to -10 Pounds Ages at Entry Number Entering Actual Deaths Expected Deaths Ratio 20-24 97,578 3,031 2,634 •15% 25-29 73,062 2,596 2,393 108 30-34 22,573 965 968 100 35-39 7,708 464 451 103 40-44 4,589 326 373 87 45-49 2,395 265 269 99 50-56 1,487 244 265 92 57-62 413 106 129 82 Total 209,805 7,997 7,482 107% - 15 to -20 Pounds - 25 to -45 Pounds Ages at Entry Number Entering Actual Deaths Expected Deaths Ratio 20-24 21,631 806 603 134% 25-29 54,457 2,092 1,804 116 30-34 73,619 3,107 2,870 108 35-39 52,344 2,601 2,556 102 40-44 31,621 2,048 2,113 97 45-49 17,241 1,393 1,559 89 50-56 11,052 1,401 1,545 91 57-62 3,258 624 767 81 Total 265,223 14,072 13,817 102% The results of Table C are brought together for convenience in the following summary: MEN-UNDERWEIGHTS ALL POLICY YEARS COMBINED RATIO OF ACTUAL TO EXPECTED DEATHS Ages at Entry Variation from Average Weight in Pounds -5 to -10 -15 to - 20 -25 to -45 20-24 107% 115% 134% 25-29 99 108 116 30-34 104 100 108 35-39 91 103 102 40-44 85 87 97 45-49 97 99 89 50-56 90 92 91 57-62 93 82 81 10 The increasing ratio of mortality with decreasing weight at the young ages at entry is note- worthy; and also the decreasing influence of underweight with the increase of the age at entry. It is well known that the percentage of declined cases increases with the degree of departure from the average weight, and this care in selection may have had some part in producing the satisfactory results among entrants at ages at entry 40 to 62 among underweights. On the other hand, as underweight has long been regarded as of serious importance at the younger ages and the presumption is that at these ages underweights have been selected with special care, emphasis is given to the somewhat unsatisfactory results disclosed; while at those ages where underweight has been least considered as a disadvantage, the good results indicate that even a considerable underweight is of itself no disadvantage in persons 40 years old and upwards. In investigations of this kind the question of the connection between the plans of insurance selected by applicants and the mortality naturally arises, and with a view to securing facts which would serve as a basis for study of that subject, the Committee asked six companies, the Phoenix Mutual, The Mutual Life, the Mutual Benefit, the Metropolitan, The Prudential and the New York Life, to give the plan of insurance on a certain proportion of their cards. The policies were divided into four kinds, Ordinary Life, Limited-Payment Life, Endow- ment and Term. As Term insurances constituted less than 1% of the total, they have been omitted from the comparisons in the following tables: Variation from Normal Number of Ordinary Limited-Payment Endowment Weight in Pounds Policies Life Plan Life Plan Insurance Plan -10 to +10 2,167 44% 40% 16% -25 to - 45 1,198 47 39 14 - 50 and more 341 39 39 22 DISTRIBUTION BY PLANS The first group represents those of average weight, 5 to 10 pounds overweight and 5 to 10 pounds underweight, combined, and may be regarded as a standard for comparison. Arranging the data contained in this standard group according to ages at entry, the following facts are obtained: Ages at Entry Number of Policies Ordinary Life Plan Limited-Payment Life Plan Endowment Insurance Plan 25-29 600 28% 56% 16% 35-39 998 40 44 16 50-53 569 68 18 14 DISTRIBUTION BY PLANS, -10 POUNDS TO +10 POUNDS INCLUSIVE The percentage of Ordinary Life policies to the total increases with advancing age at entry, while the percentage of Limited-Payment decreases as rapidly. The percentage of Endowment insurance to the total issues on all plans does not show any substantial change at the various ages at entry. The build which is of most interest in considering the influence of underweight is that 50 and more pounds underweight. Unfortunately there was not a large amount of data at these weights, and, accordingly, the statistics were divided into only two groups of ages at entry. Ages at Entry Number of Policies Ordinary Life Plan Limited-Payment Life Plan Endowment Insurance Plan 35 and younger 127 28% 45% 27% Over 35 214 46 35 19 DISTRIBUTION BY PLANS, -50 AND MORE POUNDS The trend of the foregoing table is similar to that of the group of 10 pounds underweight to 10 pounds overweight, but the percentage of Endowment insurances is distinctly greater among those 50 and more pounds underweight. A reasonable conclusion from the study of underweights is that, if great care is taken in the selection, underweight, even to a considerable degree, has no detrimental influence on mortality except at the younger ages at entry. 11 INFLUENCE OF OVERWEIGHT ON MORTALITY From Table I has been derived the following synopsis with regard to the overweight groups: TABLE D MEN-OVERWEIGHTS ALL POLICY YEARS COMBINED 4-5 to 4-10 Pounds Ages at Entry Number Entering Actual Deaths Expected Deaths Ratio 20-24 7,473 243 252 96% 25-29 8,769 316 341 93 30-34 7,446 347 350 99 35-39 5,829 347 348 100 40-44 3,559 283 301 94 45-49 2,045 246 240 103 50-56 1,382 254 248 102 57-62 362 110 108 102 Total 36,865 2,146 2,188 98% 4-15 to 4-20 Pounds Ages at Entry Number Entering Actual Deaths Expected Deaths Ratio 20-24 3,409 105 109 96% 25-29 4,646 163 181 90 30-34 4,600 191 221 86 35-39 4,035 245 242 101 40-44 2,665 241 219 110 45-49 1,611 211 193 109 50-56 1,084 236 195 121 57-62 313 105 84 125 Total 22,363 1,497 1,444 104% 4-25 to 4-45 Pounds Ages at Entry Number Entering Actual Deaths Expected Deaths Ratio 20-24 2,068 68 67 101% 25-29 5,064 212 190 112 30-34 10,533 506 424 119 35-39 13,857 877 670 131 40 44 14,774 1,298 924 140 45-49 11,084 1,238 946 131 50-56 8,781 1,452 1,174 124 57-62 2,654 677 602 112 Total 68,815 6,328 4,997 127% Ages at Entry Number Entering Actual Deaths Expected Deaths Ratio 20-24 2,367 62 60 103% 25-29 8,790 318 272 117 30-34 13,443 657 491 134 35-39 14,020 970 625 155 40-44 9,150 995 567 175 45-49 5,916 761 505 151 50-56 3,936 801 538 149 57-62 914 277 200 138 Total 58,536 4,841 3,258 149% 4-50 to 4-80 Pounds 12 For convenience the ratios of actual to expected deaths are here summarized: ALL POLICY YEARS COMBINED RATIO OF ACTUAL TO EXPECTED DEATHS MEN-OVERWEIGHTS Ages at Entry Variation from Average Weight in Pounds +5 to 4-10 4-15 to 4-20 -25 to -45 4-50 to -f-80 20-24 96% 96% 101% 103% 25-29 93 90 112 117 30-34 99 86 119 134 35-39 100 101 131 155 40-44 94 110 140 175 45-49 103 109 131 151 50-56 102 121 124 149 57-62 102 125 112 138 Overweight to a moderate degree is not a serious impairment at the young ages at entry, but has a material effect at the middle ages. For example, in the age-group 20-24 the mor- tality among those from 50 to 80 pounds overweight was 3% in excess of the standard; while in the age-group 40-44 it was 75%. At ages at entry 50 to 62 it does not appear that from 25 to 80 pounds above the average weight is as serious an impairment as at ages at entry 40 to 49. The mortality among those more than 20 pounds overweight is an increasing percentage of the normal mortality at the earlier ages at entry, reaches a maximum at the entry age- group 40-44, and at the older ages is a diminishing percentage of the normal mortality. This may be the natural course of the mortality curve for overweights, but it is probable that the decreasing percentage at the older ages of entry is partly accounted for by the greater care exercised in selecting risks that are overweight at these ages. From data, to which reference has already been made on page 11, the distribution of the policies according to plans of insurance-Ordinary Life, Limited-Payment Life and Endowment insurance-has been obtained. The proportion of business on these three plans for men from 10 pounds underweight to 10 pounds overweight has already been given, and is reproduced in the following tables, together with the distribution by plans in three groups of overweights: DISTRIBUTION BY PLANS Variation from Average Weight in Pounds Number of Policies Ordinary- Life Plan Limited-Payment Life Plan Endowment Insurance Plan -10 + 10 2,167 44% 40% 16% +25 +45 797 44 41 15 +50 +60 797 40 39 21 +65 +80 791 26 36 38 DISTRIBUTION BY PLANS, +50 AND MORE POUNDS Ages at Entry Number of Policies Ordinary Life Plan Limited-Payment Life Plan Endowment Insurance Plan 25-29 399 22% 51% 27% 35-39 396 31 40 29 50-53 400 46 21 33 Ages at Entry From 10 Pounds Underweight 50 and More Pounds to 10 Pounds Overweight Overweight 25-29 16% 27% 35-39 16 29 50-53 14 33 PROPORTION OF ENDOWMENT INSURANCES TO TOTAL ON ALL PLANS 13 The foregoing figures suggest that the companies sought to protect themselves against the results of mortality among those considerably overweight by limiting many of them to Endowment insurance. In the corresponding investigation of underweights, it was found that the proportion of Ordinary Life policies increased with the advancing age at entry, and that there was a decrease under Limited-Payment Life and Endowment policies. The tables have dealt with the ages at entry, and not with the attained ages, because: 1. The companies are dealing with applicants for insurance at certain ages at entry, and desire to know the mortality among groups of insured during the life of the policies, according to the conditions at date of medical examination; 2. The mortality by attained ages would be of limited value, because the weight is not known at any other time than at the age at entry, no record being available of the change in weight of the insured. As, however, it may be of interest to exhibit the mortality by attained ages, a table has been prepared for three subdivisions of height on three overweight groups-namely: MORTALITY AT ATTAINED AGES (a) 5 feet 3 inches to 5 feet 6 inches (b) 5 feet 7 inches to 5 feet 10 inches (c) 5 feet 11 inches to 6 feet 2 inches for (1) 35to45poundsoverweight (2) 50 to 60 pounds overweight (3) 65 to 85 pounds overweight. The experience for the first five policy years has been excluded, so as to make the data more homogeneous. To get the general effect, groupings by decennial ages have been made. Caution must be exercised in drawing deductions from these tables, as the weight is that at age at entry and not at the attained age. The average age of those 20 to 24 at entry is approximately 22, therefore the first age in the following tables is 27, as the first five policy years have been excluded. 14 TABLE E MEN 5 FEET 3 INCHES TO 5 FEET 6 INCHES EXPERIENCE OF FIRST 5 POLICY YEARS EXCLUDED +35 to +45 Pounds Attained Ages Exposed to Risk Actual Deaths Expected Deaths Ratio 27-36 3069 15 15 100% 37-46 17314 148 111 133 47-56 20148 364 235 155 57-66 7009 310 181 171 67 and over 1025 70 61 115 Total 48565 907 603 150% +50 to +60 Pounds Attained Ages Exposed to Risk Actual Deaths Expected Deaths Ratio 27-36 2595 11 13 85% 37-46 7068 82 44 186 47-56 5705 129 66 195 57-66 1814 89 46 193 67 and over 212 23 12 192 Total 17394 334 181 185% +65 to +80 Pounds Attained Ages Exposed to Risk Actual Deaths Expected Deaths Ratio 27-36 532 1 3 33% 37-46 1399 18 9 200 47-56 1193 36 14 257 57-66 345 12 9 133 67 and over 44 6 2 300 Total 3513 73 37 197% 15 TABLE E (Continued) MEN 5 FEET 7 INCHES TO 5 FEET 10 INCHES EXPERIENCE OF FIRST 5 POLICY YEARS EXCLUDED Attained Ages Exposed to Risk Actual Deaths Expected Deaths Ratio 27-36 3666 22 18 122% 37-46 27420 234 176 133 47-56 41750 745 498 150 57-66 19054 724 504 144 67 and over 3053 247 183 135 Total 94943 1972 1379 143% + 35 to +45 Pounds +50 to +60 Pounds Attained Ages Exposed to Risk Actual Deaths Expected Deaths Ratio 27-36 9723 58 49 118% 37-46 34359 304 217 140 47-56 27078 587 316 186 57-66 8733 388 223 174 67 and over 1031 79 62 127 Total 80924 1416 867 163% +65 to +80 Pounds Attained Ages Exposed to Risk Actual Deaths Expected Deaths Ratio 27-36 2870 10 14 71% 37-46 9687 115 61 189 47-56 7265 169 84 201 57-66 2285 87 59 147 67 and over 229 19 13 146 Total 22336 400 231 173% 16 TABLE E (Concluded) MEN 5 FEET 11 INCHES TO 6 FEET 2 INCHES EXPERIENCE OF FIRST 5 POLICY YEARS EXCLUDED +35 to +45 Pounds Attained Ages Exposed to Risk Actual Deaths Expected Deaths Ratio 27-36 1484 10 7 143% 37-46 5124 43 33 130 47-56 9471 204 115 177 57-66 5057 192 133 144 67 and over 728 60 44 136 Total 21864 509 332 153% +50 to +60 Pounds Attained Ages Exposed to Risk l Actual Deaths Expected Deaths Ratio 27-36 2798 11 14 79% 37-46 16963 176 108 163 47-56 14691 319 170 188 57-66 5093 209 132 158 67 and over 518 48 30 160 Total 40063 763 454 168% +65 to +80 Pounds Attained Ages Exposed to Risk Actual Deaths Expected Deaths Ratio 27-36 2079 11 10 110% 37-46 5844 67 37 181 47-56 4644 128 54 237 57-66 1583 94 41 229 67 and over 187 19 11 173 Total 14337 319 153 208% 17 The ratio of actual to expected deaths follows the same lines by attained ages as by ages at entry, excluding from the statistics the first five policy years. A similar investigation was not made of the underweights as it was not deemed of sufficient value. To determine the build at which the lowest mortality is experienced the following additional table has been prepared. INCIDENCE OF LOWEST MORTALITY TABLE F MEN ALL POLICY YEARS COMBINED Ages at Entry Number Entering Actual Deaths Expected Deaths Ratio 20-24 5,132 182 184 99% 25-29 6,551 247 265 93 30-34 5,014 251 237 106 35-39 3,555 205 214 96 40-44 2,148 177 178 99 45-49 1,127 130 130 100 50-56 782 129 147 88 57-62 216 60 65 92 Total 24,525 1,381 1,420 97% Average Weight The ratios of actual to expected deaths derived from the foregoing table, from Tables C and D and from Table II, pp. 108-9, are: MEN ALL POLICY YEARS COMBINED Ages at Entry -15 to -20 Pounds -5 to -10 Pounds Average +5 to +10 Pounds + 15 to +20 Pounds +25 to +30 Pounds 20 24 115% 107% 99% 96% 96% 105% 25-29 108 99 93 93 90 113 30-34 100 104 106 99 86 127 35-39 103 91 96 100 101 118 40-44 87 85 99 94 110 116 45-49 99 97 100 103 109 112 50-56 92 90 88 102 121 109 57-62 82 93 92 102 125 100 Ratio of Actual to Expected Deaths The foregoing synopsis clearly shows that for ages at entry 20 to 34 the insured who are from 5 to 10 pounds more than the average weight are better lives than those 5 to 10 pounds less than the average weight, the reverse holding true for age 35 and above. The point of lowest mortality for ages at entry 20 to 34 lies in group 15 to 20 pounds above the average weight and for ages at entry 35 to 49 in the group 5 to 10 pounds under the average weight. For ages 50 and over the indications are that the lowest relative mortality is in the underweight groups. In general it may be said that the lowest mortality is experienced among those insured who are somewhat above the average weight at the younger ages at entry and who are below the average weight at the older ages at entry. 18 In the foregoing tables, the relative mortality is exhibited according to the number of pounds over or under weight. It would doubtless have been of interest to present these facts expressed in percentages over or under the average weight, but it has not been thought neces- sary in this series of tables, which is intended solely to show the general trend of the mortality. In the final table the percentage of departure from the average weight will be employed. MORTALITY ACCORDING TO POLICY YEARS In the previous exhibits all policy years have been combined, because further subdivisions would have made many of the groups too small to give trustworthy results. In the same way, in studying the mortality by policy years the subdivisions according to age and to weight had to be made broad enough to avoid serious fluctuations. Accordingly an exhibit (Table III, p. 110) has been prepared of the mortality in four divisions of weight, subdivided into three age-groups. The divisions by weight are: (a) 25 pounds and more underweight; (b) from 20 pounds underweight to 20 pounds overweight; (c) from 25 pounds to 45 pounds overweight; (J) 50 pounds and more overweight. As the influence of underweight is seen most at the young ages at entry, and of overweight at the middle and old ages at entry, the age-groups were made to consist of (1) 20 to 29; (2) 30 to 49; and (3) 50 to 62. The ratios for the above weight-groups, extracted from Table III, are given below. MEN 25 POUNDS AND MORE UNDERWEIGHT Ratio of Actual to Expected Deaths Policy Years Ages at Entry 20-29 Ages at Entry 30-49 Ages at Entry 50-62 1 118% 96% 97% 2 122 112 94 3 123 113 83 4 129 113 95 5 124 116 85 1-5 123 110 91 6-10 122 103 91 11-15 120 93 82 16-24 104 82 78 1-24 120 101 88 In each of the three age-groups the lowest relative mortality appears in the 16th to the 24th policy year. This was to be expected, as the ratio of actual to expected mortality decreases with advancing age at entry for underweights. 19 MEN FROM 20 POUNDS UNDERWEIGHT TO 20 POUNDS OVERWEIGHT Policy Years Ages at Entry 20 29 Ages at Entry 30-49 Ages at Entry 50-62 1 104% 104% 99% 2 113 101 85 3 117 97 103 4 109 106 100 5 107 94 93 1-5 110 101 96 6-10 106 98 96 11-15 106 99 101 16-24 101 90 99 1-24 107 98 98 Ratio of Actual to Expected Deaths The foregoing table evidences the substantial correctness of the standard, the M. A. Table. MEN FROM 25 TO 45 POUNDS OVERWEIGHT Policy Years Ages at Entry 20 29 Ages at Entry 30 49 Ages at Entry 50-62 1 102% 97% 89% 2 100 90 104 3 76 115 113 4 97 118 108 5 123 119 110 1-5 99 107 105 6-10 109 137 125 11-15 106 153 137 16-24 156 167 133 1-24 109 132 120 Ratio of Actual to Expected Deaths Ill the first age-group, 20-29, the amoun| of the data is small, the number of deaths, for example, in the third policy year being only 16, and, for that reason, the ratio of actual to ex- pected deaths of 76% should be disregarded. There is evidence in this table that the mortality among overweights in the early policy years is not so high relatively as in the later policy years. In the group 30-49 at entry, for ex- ample, the mortality for the first five years is 107%, and for the 6th to the 24th year 148%; in the age-group 50-62 the mortality for the first five policy years is 105%, and for the 6th to the 24th policy year 130%. A similar result may be seen in the next table of still heavier weights: 20 MEN 50 POUNDS AND MORE OVERWEIGHT Policy Years Ages at Entry 20-29 Ages at Entry 30-49 Ages at Entry 50-62 1 108% 99% 117% 2 91 114 105 3 66 117 136 4 70 113 121 5 146 140 155 1-5 95 116 127 6-10 95 171 159 11-15 182 199 165 16-24 166 207 160 1-24 114 158 147 Ratio of Actual to Expected Deaths The ratios of actual to expected deaths for the first five policy years were 95%, 116% and 127% respectively for the age groups 20-29, 30-49 and 50-62, while they were 131%, 186% and 161% for the 6th to the 24th policy years for the same ages at entry, Both the foregoing exhibits bring out the same feature as is shown in Table D-namely, that the ratio of actual to expected deaths among overweights is generally higher at ages at entry 30-49 than at ages at entry 50-62. The mortality for all policy years at 25 to 45 pounds over the average weight was 132% at ages at entry 30-49, and 120% at ages at entry 50-62, while at 50 and more pounds overweight the mortality for these two groups of ages at entry was 158% and 147% respectively. Corresponding results appear in the sixth and succeeding policy years. The ratios of actual to expected deaths for the various ages at entry (all policy years combined) should not be accepted as necessarily applicable to the whole of life, because the average period of exposure of the cases entering into the investigation was but 7 years and the maximum time under observation of any of the lives but 24 years. In the case of impairments with the relative mortality increasing with the duration of the insurance, as generally occurs in connection with overweight, the ratio of actual to expected deaths as a whole is too low for policies carried throughout the whole of life and may be too high for short-term Endowment insurances. In comparing the results of different experiences in which the impair- ments are such as to cause a rapidly increasing or decreasing addition to the mortality the comparison can safely be made only by individual policy years or by groups of corresponding policy years, e. g., it would be manifestly incorrect to compare the mortality in a group of overweights under observation during the first five policy years with a similar group where the observations covered a period from the 1st to the 20th policy year. In order to determine whether or not the height of the insured had any influence on mor- tality, the data were arranged in three divisions of heights, the average height of all insured lives being the centre of the middle group. (1) 5 feet 3 inches to 5 feet 6 inches, inclusive (2) 5 feet 7 inches to 5 feet 10 inches, inclusive (3) 5 feet 11 inches to 6 feet 2 inches, inclusive. Table IV, pp. 111-120, gives the statistics for the three divisions of height by groups of ages at entry, according to the variation from the average weight. As the data in a number of these INFLUENCE OF HEIGHT ON MORTALITY 21 subdivisions are meagre, a synopsis (Table V, p. 121) was prepared for only six classes of weight and for decennial groups of ages at entry, in order to obtain fairly reliable results. The ratios from Table V appear in the following: TABLE G MEN EFFECT OF HEIGHT ON MORTALITY ALL POLICY YEARS COMBINED Ratio of Actual to Expected Deaths Ages at Entry VARIATION FROM AVERAGE WEIGHT IN POUNDS - 25 to -45 -10 to -20 -5 to +5 5 ft. 3 in. to 5 ft. 6 in. 5 ft. 7 in. to 5 ft. 10 in. 5 ft. 11 in. to 6 ft. 2 in. 5 ft. 3 in. to 5 ft. 6 in. 5 ft. 7 in. to 5 ft. 10 in. 5 ft. 11 in. to 6 ft. 2 in. 5 ft. 3 in. to 5 ft. 6 in. 5 ft. 7 in. to 5 ft. 10 in. 5 ft. 11 in. to 6 ft. 2 in. 20-29 107% 117% 129% 96% 111% 119% 86%. 101% 110% 30-39 100 105 108 96 103 102 106 97 99 40 49 88 95 95 81 92 94 107 88 106 50-59 89 91 81 99 88 *84 100 92 *89 + 10 to +20 4-25 to 4-45 +50 to +85 20-29 *84% 92% 109% *103% 103% *133% *98% 114% 122% 30-39 88 93 96 124 128 127 161 146 151 40 49 116 103 115 129 136 147 175 155 185 50-59 127 115 *101 116 127 117 164 150 142 *Groups with less than 100 deaths In five of the six weight-groups at ages 20 to 29 at entry, the insured from 5 feet 3 inches to 5 feet 6 inches were better risks than those from 5 feet 7 inches to 5 feet 10 inches, while the insured in the latter height-group showed a lower mortality in each of the weight-groups than those 5 feet 11 inches to 6 feet 2 inches. For the two decennial groups of ages at entry 30 to 39 and 40 to 49, it is difficult to draw any satisfactory conclusions; but it is apparent that for the ages at entry 50 to 59 the reverse of the condition found at ages 20 to 29 is generally true. Combining all the policies, irrespective of the weight of the insured, and considering only the height, the following is the result: MEN ALL POLICY YEARS COMBINED Ages at Issue Height 5 ft. 3 in. to 5 ft. 6 in. Height 5 ft. 7 in. to 5 ft. 10 in. Height 5 ft. 11 in. to 6 ft. 2 in. 20-29 96% 110% 122% 30-39 107 109 113 40-49 110 109 120 50-59 108 109 101 Ratio of Actual to Expected Deaths At the younger ages tall men have proved less desirable risks than short men; at the older ages the short and medium-sized men have been slightly worse risks than tall men. 22 GRADUATION OF PERCENTAGES OF ACTUAL TO EXPECTED DEATHS In order to render Table II of more practical value, percentages of actual to expected deaths were graduated as shown in the following table. The extreme weight-groups have been excluded because of insufficient data. GRADUATED PERCENTAGES-ACTUAL DEATHS OF EXPECTED BY M. A. TABLE ACCORDING TO NUMBER Of POUNDS VARIATION FROM AVERAGE WEIGHT Ages at Entry VARIATION FROM AVERAGE WEIGHT IN POUNDS -35 to -45 -25 to -30 -15 to -20 -10 -5 Average +5 + 10 +15 to +20 +25 to +30 +35 to +45 +50 to +60 +65 to + 80 20-24 135. 127. 115.5 107. 105.5 104. 102. 99. 97. 102. 104. 110. 125. 25-29 122. 116. 108.5 102. 101. 100. 99. 97.5 96.5' 104. 108. 116. 132. 30-34 112.5 108. 102.5 98. 97.5 97. 96.5 96. 97. 109. 118.5 131. 149. 35-39 105. 101. 97.5 94.5 95. 95. 96. 96.5 101. 112.5 133. 151. 172. 40-44 99. 95.5 93. 91.5 93. 94. 96.5 97. 108. 115. 141. 157. 181. 45-49 93.5 91. 89.5 89.5 91.5 93.5 97.5 100. 112. 116.5 139. 155. 178. 50-53 88.5 88. 87. 88.5 90.5 94.5 99. 102. 112.5 116.5 132. 150.5 172. 54-56 86. 86. 86. 88. 90.5 95.5 99.5 102.5 112. 116. 122. 142. 162. 57-59 86. 86. 86. 88. 90.5 95.5 99.5 102. 111.5 114.5 117.5 134. 153. 60-62 86. 86. 86. 88. 90. 95. 98.5 101. 110.5 112.5 114. 130. 148. A test of the graduation is given in the following comparison of the actual deaths with the expected by the graduated ratios: EXPECTED DEATHS CALCULATED BY GRADUATED PERCENTAGES OF M. A. TABLE (1) ALL AGES AT ENTRY COMBINED COMPARISON OF ACTUAL WITH EXPECTED DEATHS Variation from Average Weight in Pounds Actual Deaths Expected Deaths Deviation Accumulated Deviation - 35 to -45 4199 4227 +28 +28 -25 to -30 9873 9860 -13 + 15 -15 to -20 7997 7998 + 1 + 16 -10 1574 1580 + 6 +22 - 5 1480 1477 - 3 + 19 Average 1381 1382 + 1 +20 + 5 1176 1164 -12 + 8 +10 970 982 + 12 +20 + 15 to +20 1497 1503 + 6 +26 +25 to +30 1267 1267 +26 +35 to +45 5061 5061 +26 +50 to +60 3697 3703 + 6 +32 +65 to +80 1144 1140 - 4 + 28 Total 41316 41344 + 28 23 COMPARISON OF ACTUAL WITH EXPECTED DEATHS (Concluded) EXPECTED DEATHS CALCULATED BY GRADUATED PERCENTAGES OF M. A. TABLE (2) ALL WEIGHTS COMBINED Ages at Entry Actual Deaths Expected Deaths Deviation Accumulated Deviation 20-24 4976 4977 + 1 + 1 25-29 6489 6562 + 73 + 74 30-34 6579 6567 -12 +62 35-39 6137 6102 -35 + 27 40-44 5702 5639 -63 -36 45-49 4528 4594 +66 +30 50-53 3047 2961 -86 -56 54-56 1761 1806 +45 -11 57-59 1309 1319 + 10 - 1 60-62 788 817 +29 +28 Total 41316 41344 +28 In using the above graduated ratios, it must not be forgotten that the data for all heights have been combined, and that a given departure from average weight is a larger percentage of such average in the case of a short than of a tall man. A more important point is that the ratios do not represent the normal relative mortality among light, medium and heavy weights, as the light and heavy weights have been selected with greater care than the medium weights. This is specially important in the case of light weights at the young, and heavyweights at the old entry ages, in both of which sections less care in selection would unquestionably have been followed by more unfavorable results than those here presented. The foregoing graduated ratios proceed according to the number of pounds over or under the average weight. A table showing the variation in mortality according to percentage de- partures from average weight has also been prepared, based on the graduated ratios: GRADUATED PERCENTAGES-ACTUAL DEATHS OF EXPECTED BY M. A. TABLE ACCORDING TO PERCENTAGE VARIATION FROM AVERAGE WEIGHT Ages at Entry PERCENTAGE VARIATION FROM AVERAGE WEIGHT -30 -25 -20 -15 -10 -5 Ave. +5 + 10 + 15 +20 +25 +30 +35 + 40 +45 +50 20-24 141 134 127 120 113 107 104 100 99 100 101 103 106 109 113 119 126 25-29 128 122 117 112 106 102 100 98 97 100 104 107 111 115 121 128 135 30-34 117 113 109 105 101 98 97 96 97 104 111 117 124 131 139 148 157 35-39 108 105 102 99 97 95 95 96 100 109 121 133 143 152 162 171 181 40-44 101 99 97 95 93 92 94 97 105 113 126 140 150 160 170 182 193 45-49 96 94 92 90 89 89 93 99 109 116 126 139 149 159 169 180 192 50-53 90 89 88 88 87 89 94 101 111 115 123 134 144 153 163 174 184 54-56 86 86 86 86 87 89 95 102 110 114 118 125 135 145 155 164 174 57-59 86 86 86 86 87 89 95 102 109 114 116 119 128 137 146 155 164 60-62 86 86 86 86 87 89 95 100 108 112 113 115 123 132 141 150 159 24 This latter table is less exact than that according to number of pounds departure, because the percentage of excess or defect is taken on the average weight of men of all heights combined. Thus, at ages 20-24 the average weight for all heights is 148 pounds, that for men 5 feet 3 inches high is 127 pounds and for men 6 feet 2 inches high 173 pounds. Thirty per cent departure therefore may correspond to thirty-five per cent, or twenty-six per cent, accord- ing as a very short or very tall man is in question. Table C, p. 22, shows that, at the younger ages, the mortality among tall men was generally greater and among short men less than the average. It follows that if the above table were used as it stands, for men of all heights, an excess mortality, already too small for a departure of twenty-six per cent, would be treated as applying to thirty per cent departure, the two errors thus being of cumulative effect, with the result that the importance of underweight in a tall, young applicant would be understated. In the same way, the effect of underweight in a short, young applicant would be overstated. The necessity for taking into consideration the height, as well as the departure from normal weight, of the younger applicants is manifest. 25 CAUSES OF DEATH AMONG MEN Tables of the proportions of deaths due to various causes ip a group of standard lives have been prepared for comparison with similar tables based on the lives of those engaged in hazard- ous occupations or showing medical impairments. Material for this tabulation was at hand in the statistics on standard lives of the issues of January of the odd years and July of the even years 1885 to 1908 inclusive, most of the Companies having stated the causes of death. For various reasons there were available only 17,792 deaths of the 20,222 submitted by the con- tributing companies (see Vol. I, page 97). In the following tables the proportions from each cause are shown in two ways: (a) Percentage from each cause to the total number of deaths from all causes, (b) Ratio from each cause per 10,000 exposed to risk. A comparison by (b) is of more value than by {a} when there is a considerable difference in the mortality among the classes compared. As there were ninety-four causes of death in the code (see Vol. I, pages 126-128), detailed results were too numerous for publication. Moreover, many of the causes were individually responsible for very few deaths. Accordingly tables have been prepared for all policy years com- bined in respect of forty of the principal causes of death, accounting for 92% of the total deaths. The deaths are tabulated under three groups of entry ages-15 to 29, 30 to 44, and 45 and over. 26 TABLE H MEN DEATHS BY GAUSE AMONG STANDARD LIVES Ages at Entry 15 to 29 Code No. Cause of Death Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk 1 Typhoid Fever 650 14.2 6.7 3 Malaria 40 .9 .4 5 Influenza 33 .7 .3 14 Purulent Infection and Septicaemia 25 .5 .3 17 Tuberculosis of the Lungs 1026 22.5 10.6 18 Other varieties of Tuberculosis 101 2.2 1.1 21 Cancer and other Malignant Tumors 95 2.1 1.0 22 Acute Articular Rheumatism 18 .4 .2 24 Diabetes 57 1.2 .6 25 Anaemia and Chlorosis 13 .3 .1 26 Other General Diseases 29 .6 .3 30 Inflammation of the Brain and its Membranes 91 2.0 1.0 31 Locomotor Ataxia 13 .3 .1 32 Other Diseases of the Spinal Cord 18 .4 .2 33 Cerebral Hemorrhage and Apoplexy 94 2.1 1.0 34 Softening of the Brain 9 .2 .1 35 Paralysis without specified cause 27 .6 .3 36 General Paralysis of the Insane 22 .5 .2 37 Other forms of Mental Alienation 29 .6 .3 39 Other Diseases of the Nervous System 30 .7 .3 42 Pericarditis and Acute Endocarditis 32 .7 .3 43 Organic Diseases of the Heart 137 3.0 1.4 44 Angina Pectoris 15 .3 .2 45 Diseases of the Arteries, Atheroma, Aneurism, etc 13 .3 .1 51 Pneumonia 349 7.6 3.6 52 Pleurisy 22 .5 .2 54 Other Diseases of the Respiratory System, Tuberculosis ex- cepted 31 .7 .3 55 Ulcer of the Stomach 8 .2 .1 56 Other Diseases of the Stomach, Mouth, Pharynx, CEsopha- pus 33 .7 .3 G 57 Diarrhoea and Enteritis 28 .6 .3 60 Appendicitis and Typhlitis 151 3.3 1.6 61 Hernia, Intestinal Obstruction 19 .4 .2 63 Cirrhosis of the Liver 33 .7 .3 64 Biliary Calculi 8 .2 .1 65 Other Diseases of the Liver 31 .7 .3 66 Simple Peritonitis, non-Puerperal 55 1.2 .6 67 Other Diseases of the Digestive System, Cancer and Tuber- culosis excepted 8 .2 .1 68 Nephritis and Bright's Disease 187 4.1 1.9 81 Suicide 141 3.1 1.5 82-91 Accident 554 12.1 5.7 All other causes 291 6.4 3.0 Total 4566 100.0 47.2 27 TABLE H (Continued) MEN DEATHS BY CAUSE AMONG STANDARD LIVES Ages at Entry 30 to 44 Code No. . Cause of Death N umber of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk 1 Typhoid Fever 540 6.8 4.6 3 Malaria 84 1.1 .7 .6 .4 5 Influenza 66 .8 14 Purulent Infection and Septicaemia 46 .6 17 Tuberculosis of the Lungs 965 12.3 8.2 18 Other varieties of Tuberculosis 107 1.4 .9 21 Cancer and other Malignant Tumors 377 4.8 3.2 22 Acute Articular Rheumatism 36 .5 .3 24 Diabetes 137 1.7 1.2 .5 25 Anaemia and Chlorosis 62 .8 26 Other General Diseases 55 .7 .5 30 Inflammation of the Brain and its Membranes 120 1.5 1.0 31 Locomotor Ataxia 45 .6 .4 32 Other Diseases of the Spinal Cord 42 .5 .4 33 Cerebral Hemorrhage and Apoplexy 486 6.2 4.1 34 Softening of the Brain 39 .5 .3 35 Paralysis without specified cause 79 1.0 .7 36 General Paralysis of the Insane 91 1.2 .8 37 Other forms of Mental Alienation 65 .8 .6 39 Other Diseases of the Nervous System 38 .5 .3 42 Pericarditis and Acute Endocarditis 75 1.0 .7 43 Organic Diseases of the Heart 469 5.9 4.0 44 Angina Pectoris 93 1.2 .8 45 Diseases of the Arteries, Atheroma, Aneurism, etc 73 .9 .6 51 Pneumonia 739 9 4 6.3 .3 52 Pleurisy 35 .4 54 Other Diseases of the Respiratory System, Tuberculosis ex- cepted 58 .7 5 55 Ulcer of the Stomach 41 .5 .3 56 Other Diseases of the Stomach, Mouth, Pharynx, (Esopha- gus 100 1.3 .9 .6 57 Diarrhoea and Enteritis 66 .8 60 Appendicitis and Typhlitis 167 2.1 1.4 61 Hernia, Intestinal Obstruction 52 .7 .4 63 Cirrhosis of the Liver 112 1.4 1.0 64 Biliary Calculi 27 .3 .2 65 Other Diseases of the Liver 87 1.1 .7 66 Simple Peritonitis, non-Puerperal 50 .6 .4 67 Other Diseases of the Digestive System, Cancer and Tuber- culosis excepted 26 .3 .2 68 Nephritis and Bright's Disease 577 7.3 4.9 81 Suicide 324 4.1 2 8 82-91 Accident 645 8.2 5.5 All other causes 590 7.5 5.0 Total 7886 100.0 67.2 28 TABLE H {Concluded} MEN DEATHS BY CAUSE AMONG STANDARD LIVES Ages at Entry 45 and over Code No. Cause of Death Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk 1 Typhoid Fever 107 2.0 3 7 3 Malaria 38 .7 1 3 5 Influenza 81 1.5 2 8 14 Purulent Infection and Septicaemia 31 .6 1 1 17 Tuberculosis of the Lungs 239 4.5 8 4 18 Other varieties of Tuberculosis 25 .5 .9 21 Cancer and other Malignant Tumors 411 7.7 14 4 22 Acute Articular Rheumatism 25 .5 .9 24 Diabetes 81 1.5 2.8 25 Anaemia and Chlorosis 37 .7 1.3 26 Other General Diseases 29 .5 1.0 30 Inflammation of the Brain and its Membranes 57 1.1 2.0 31 Locomotor Ataxia 25 .5 .9 32 Other Diseases of the Spinal Cord 21 .4 .7 33 Cerebral Hemorrhage and Apoplexy 604 11.3 21.2 34 Softening of the Brain 39 .7 1.4 35 Paralysis without specified cause 108 2.0 3.8 36 General Paralysis of the Insane 36 .7 1.3 37 Other forms of Mental Alienation 25 .5 .9 39 Other Diseases of the Nervous System 33 .6 1.2 42 Pericarditis and Acute Endocarditis 58 1.1 2.0 43 Organic Diseases of the Heart 568 10.6 19.9 44 Angina Pectoris 138 2.6 4.8 45 Diseases of the Arteries, Atheroma, Aneurism, etc 102 1.9 3.6 51 Pneumonia 451 8.4 15.8 52 Pleurisy 32 .6 1.1 54 Other Diseases of the Respiratory System, Tuberculosis ex- cepted 51 1.0 1.8 55 Ulcer of the Stomach 22 .4 .8 56 Other Diseases of the Stomach, Mouth, Pharynx, CEsopha- g-us 80 1.5 2.8 57 Diarrhoea and Enteritis 51 1.0 1.8 60 Appendicitis and Typhlitis 54 1.0 1.9 61 Hernia, Intestinal Obstruction 42 .8 1.5 63 Cirrhosis of the Liver 93 1.7 3.3 64 Biliary Calculi 24 .4 .8 65 Other Diseases of the Liver 61 1.1 2.1 66 Simple Peritonitis, non-Puerperal 26 .5 .9 67 Other Diseases of the Digestive System, Cancer and Tuber- culosis excepted 13 .2 .5 68 Nephritis and Bright's Disease 510 9.6 17.9 81 Suicide 136 2.5 4.8 82-91 Accident 254 4.8 8.9 All other causes 522 9.8 18.2 Total 5340 100.0 187.2 29 While the foregoing tables are of interest, they include many causes of death which are not of material value to the student of mortality. A synopsis of the percentages of total deaths and of the ratios per 10,000 exposed to risk for the twelve most common causes appears in Table J. TABLE J MEN MOST COMMON CAUSES OF DEATH Code No. Cause of Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk Ages at Entry Ages at Entry 15-29 30-44 45 and over 15-29 30-44 45 and over 1 Typhoid Fever 14.2 6.8 2.0 6.7 4.6 3.7 17 Tuberculosis of the Lungs... . 22.5 12.3 4.5 10.6 8.2 8.4 21 Cancer and other Malignant Tumors 2.1 4.8 7.7 1.0 3.2 14.4 24 Diabetes 1.2 1.7 1.5 .6 1.2 2.8 33 Cerebral Hemorrhage and Apoplexy 2.1 6.2 11.3 1.0 4.1 21.2 43 Organic Diseases of the Heart 3.0 5.9 10.6 1.4 4.0 19.9 51 Pneumonia 7.6 9.4 8.4 3.6 6.3 15.8 60 Appendicitis and Typhlitis.. . 3.3 2.1 1.0 1.6 1.4 1.9 63 Cirrhosis of the Liver .7 1.4 1.7 .3 1.0 3.3 68 Nephritis and Bright's Disease 4.1 7.3 9.6 1.9 4.9 17.9 81 Suicide 3.1 4.1 2.5 1.5 2.8 4.8 82-91 Accident 12.1 8.2 4.8 5.7 5.5 8.9 All other causes 24.0 29.8 34.4 11.3 20.0 64.2 Total 100.0 100.0 100.0 47.2 67.2 187.2 The following diseases result in an increasing death rate (ratio per 10,000 exposed to risk) with advancing age at entry: Cancer and other malignant tumors Cerebral hemorrhage and apoplexy Organic diseases of the heart Cirrhosis of the liver Nephritis and Bright's disease while there is a decreasing death rate from the following causes: Typhoid fever Tuberculosis of the lungs. It may be noted that in the case of diabetes, pneumonia, and suicide, there is a marked increase with advancing age at entry in the ratio per 10,000 exposed to risk, while the propor- tion of total deaths does not show any important changes. Furthermore, the percentage of deaths from accident decreased steadily with advancing entry age, while the ratio per 10,000 exposed to risk is greatest at the oldest entry age. 30 This investigation of causes of death would not be complete without some comparisons of deaths according to policy years. The following tables have therefore been prepared show- ing the distribution of deaths from the nine most common causes in the 1st, 2d, 3d to 5th, 6th to 10th, and 11th to 24th policy years, according to the usual distribution of entry ages. TABLE K MEN DEATHS BY CAUSE AMONG STANDARD LIVES Policy Years TYPHOID FEVER Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk Ages at Entry Ages at Entry Ages at Entry 15-29 30-44 45 and over 15-29 30-44 45 and over 15-29 30-44 45 and over 1 167 113 18 26.7 16.2 4.2 10.0 6.2 3.8 2 107 70 18 19.5 10.0 4.0 9.3 5.2 5.2 3-5 178 151 30 14.2 8.2 2.4 6.7 4.8 3.7 6-10 123 123 27 10.3 5.5 1.6 4.8 3.8 3.4 11-24 75 83 14 8.0 3.5 .9 4.5 3.8 3.2 Total 650 540 107 14.2 6.8 2.0 6.7 4.6 3.7 Policy Years TUBERCULOSIS OF THE LUNGS Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk Ages at Entry Ages at Entry Ages at Entry 15-29 30-44 45 and over 15-29 30-44 45 and over 15-29 30-44 45 and over 1 72 55 11 11.5 7.9 2.6 4.3 3.0 2.3 2 130 121 25 23.6 17.4 5.6 11.3 9.0 7.2 3-5 363 299 65 29.0 16.3 5.2 13.7 9.5 8.0 6-10 319 299 81 26.6 13.3 4.9 12.6 9.3 10.3 11-24 142 191 57 15.1 7.9 3.7 8.5 8.7 13.1 Total 1026 965 239 22.5 12.3 4.5 10.6 8.2 8.4 Policy Years CANCER AND OTHER MALIGNANT TUMORS Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk Ages at Entry Ages at Entry Ages at Entry 15-29 30-44 45 and over 15-29 30-44 45 and over 15-29 30-44 45 and over 1 4 7 15 .6 1.0 3.5 .2 .4 3.2 2 4 25 42 .7 3.6 9.4 .3 1.9 12.0 3-5 18 72 111 1.4 3.9 8.9 .7 2.3 13.6 6-10 30 105 129 2.5 4.7 7.8 1.2 3.3 16.4 11-24 39 168 114 4.1 7.0 7.3 2.3 7.6 26.3 Total 95 377 411 2.1 4.8 7.7 1.0 3.2 14.4 31 TABLE K (Continued) MEN DEATHS BY CAUSE AMONG STANDARD LIVES Policy Years CEREBRAL HEMORRHAGE AND APOPLEXY Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk Ages at Entry Ages at Entry Ages at Entry 15-29 30-44 45 and over 15-29 30-44 45 and over 15-29 30-44 45 and over 1 8 33 53 1.3 4.7 12.4 .5 1.8 11.3 2 3 27 45 .5 3.9 10.1 .3 2.0 12.9 3-5 9 87 121 .7 4.7 9.7 .3 2.8 14.9 6-10 26 126 192 2.2 5.6 11.6 1.0 3.9 24.4 11-24 48 213 193 5.1 8.9 12.4 2.9 9.7 44.5 Total 94 486 604 2.1 6.2 11.3 1.0 4.1 21.2 Policy Years ORGANIC DISEASES OF THE HEART Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk Ages at Entry Ages at Entry Ages at Entry 15-29 30-44 45 and over 15-29 30-44 45 and over 15-29 30-44 45 and over 1 11 22 24 1.8 3.2 5.6 .7 1.2 5.1 2 5 17 30 .9 2.4 6.7 .4 1.3 8.6 3-5 18 93 115 1.4 5.1 9.2 .7 3.0 14.1 6-10 39 120 200 3.3 5.3 12.0 1.5 3.7 25.4 11-24 64 217 199 6.8 9.0 12.8 3.8 9.8 45.9 Total 137 469 568 3.0 5.9 10.6 1.4 4.0 19.9 Policy Years PNEUMONIA Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk Ages at Entry Ages at Entry Ages at Entry 15-29 30-44 45 and over 15-29 30-44 45 and over 15-29 30-44 45 and over 1 46 86 58 7.4 12.3 13.6 2.8 4.7 12.4 2 38 57 46 6.9 8.2 10.3 3.3 4.3 13.2 3-5 85 211 96 6.8 11.5 7.7 3.2 6.7 11.8 6-10 104 213 142 8.7 9.4 8.5 4.1 6.7 18.0 11-24 76 172 109 8.1 7.2 7.0 4.5 7.8 25.1 Total 349 739 451 7.6 9.4 8.4 3.6 6.3 15.8 Policy Years NEPHRITIS AND BRIGHT'S DISEASE Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk Ages at Entry Ages at Entry Ages at Entry 15-29 30-44 45 and over 15-29 30-44 45 and over 15-29 30-44 45 and over 1 11 27 25 1.8 3.9 5.9 .7 1.5 5.3 2 16 27 25 2.9 3.9 5.6 1.4 2.0 7.2 3-5 42 105 115 3.4 5.7 9.2 1.6 3.3 14.1 6-10 59 162 189 4.9 7.2 11.4 2.3 5.1 24.0 11-24 59 256 156 6.3 10.6 10.0 3.5 11.6 36.0 Total 187 577 510 4.1 7.3 9.6 1.9 4.9 17.9 32 TABLE K {Concluded) MEN DEATHS BY CAUSE AMONG STANDARD LIVES Policy Years SUICIDE Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk Ages at Entry Ages at Entry Ages at Entry 15-29 30-44 45 and over 15-29 30-44 45 and over 15-29 30-44 45 and over 1 15 41 29 2.4 5.9 6.8 .9 2.2 6.2 2 19 24 12 3.5 3.4 2.7 1.6 1.8 3.4 3-5 34 63 34 2.7 3.4 2.7 1.3 2.0 4.2 6-10 35 113 38 2.9 5.0 2.3 1.4 3.5 4.8 11-24 38 83 23 4.0 3.5 1.5 2.3 3.8 5.3 Total 141 324 136 3.1 4.1 2.5 1.5 2.8 4.8 Policy Years ACCIDENT Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk Ages at Entry Ages at Entry Ages at Entry 15-29 30-44 45 and over 15-29 30-44 45 and over 15-29 30-44 45 and over 1 125 97 51 20.0 13.9 11.9 7.5 5.3 10.9 2 78 81 25 14.2 11.6 5.6 6.8 6.1 7.2 3-5 140 151 70 11.2 8.2 5.6 5.3 4.8 8.6 6-10 126 181 68 10.5 8.0 4.1 5.0 5.7 8.6 11-24 85 135 40 9.0 5.6 2.6 5.1 6.1 9.2 Total 554 645 254 12.1 8.2 4.8 5.7 5.5 8.9 Among the nine causes there are four under which the death rate increased with the dura- tion of the policy, namely, cancer and other malignant tumors, cerebral hemorrhage and apoplexy, organic diseases of the heart, nephritis and Bright's disease. This is probably due to the increase in the age of the insured. In the case of typhoid fever, the death rate decreased with the duration of the policy, increasing age apparently accounting for the diminution. The death rate from tuberculosis of the lungs is very low in the first policy year, exhibiting the effect of medical selection on a cause of death, the rate from which generally decreases with advancing age. CAUSES OF DEATH AMONG OVERWEIGHTS AND UNDERWEIGHTS For the purposes of comparison with the foregoing, tables of the causes of death among overweights and underweights have been prepared. The twelve most common causes of death have been taken and the results tabulated for two weight-groups: (a) 50 and more pounds above the average weight, (b) 25 and more pounds under the average weight. 33 TABLE L MEN DEATHS BY CAUSE-ACCORDING TO BUILD AGES AT ENTRY 15 TO 29 Overweight 50 Pounds and more Standard Lives Underweight 25 Pounds and more Code No. Cause of Death Number of Deaths Percent- age of Total Ratio per 10,000 Exposed to Risk Number of Deaths Percent- age of Total Ratio per 10,000 Exposed to Risk Number of Deaths Percent- age of Total Ratio per 10,000 Exposed to Risk 1 Typhoid Fever 59 16.3 8.9 650 14.2 6.7 258 9.2 5.3 17 Tuberculosis of the Lungs 15 4.1 2.3 1026 22.5 10.6 1055 37.5 21.5 21 Cancer and other Malignant Tumors 6 1.7 .9 95 2.1 1.0 39 1.4 .8 24 Diabetes ' 10 2.8 1.5 57 1.2 .6 32 1.1 .7 33 Cerebral Hemorrhage and Apoplexy 17 4.7 2.6 94 2.1 1.0 36 1.3 .7 43 Organic Diseases of the Heart 33 9.1 4.9 137 3.0 1.4 72 2.6 1.5 51 Pneumonia 30 8.3 4.5 349 7.6 3.6 211 7.5 4.3 60 Appendicitis and Typhlitis 6 1.7 .9 151 3.3 1.6 66 2.3 1.3 63 Cirrhosis of the Liver 9 2.5 1.3 33 .7 .3 7 .2 .1 68 Nephritis and Bright's Disease 42 11.6 6.3 187 4.1 1.9 80 2.8 1.6 81 Suicide 10 2.8 1.5 141 3.1 1.5 98 3.5 2.0 82-91 Accident 31 8.6 4.7 554 12.1 5.7 200 7.1 4.1 All other causes 93 25.8 13.9 1092 24.0 11.3 660 23.5 13.5 Total 361 100.0 54.2 4566 100.0 47.2 2814 100.0 57.4 Overweight 50 Pounds and more Standard Lives Underweight 25 Pounds and more Code No. Cause of Death Number of Deaths Percent- age of Total Ratio per 10,000 Exposed to Risk Number of Deaths Percent- age of Total Ratio per 10,000 Exposed to Risk Number of Deaths Percent- age of Total Ratio per 10,000 Exposed to Risk 1 Typhoid Fever 141 5.4 5.9 540 6.8 4.6 413 5.8 4.1 17 Tuberculosis of the Lungs 43 1.7 1.8 965 12.3 8.2 1678 23.5 16.5 21 Cancer and other Malignant Tumors 87 3.4 3.7 377 4.8 3.2 242 3.4 2.4 24 Diabetes 139 5.4 5.9 137 1.7 1.2 51 .7 .5 33 Cerebral Hemorrhage and Apoplexy 271 10.4 11.4 486 6.2 4.1 233 3.3 2.3 43 Organic Diseases of the Heart 280 10.8 11.8 469 5.9 4.0 292 4.1 2.9 51 Pneumonia 199 7.7 8.4 739 9.4 6.3 868 12.2 8.5 60 Appendicitis and Typhlitis 53 2.0 2.2 167 2.1 1.4 137 1.9 1.3 63 Cirrhosis of the Liver 89 3.4 3.8 112 1.4 1.0 35 .5 .3 68 Nephritis and Bright's Disease 385 14.8 16.2 577 7.3 4.9 308 4.3 3.0 81 Suicide 64 2.5 2.7 324 4.1 2.8 261 3.6 2.6 82-91 Accident 130 5.0 5.5 645 8.2 5.5 501 7.0 4.9 All other causes 713 27.5 30.1 2348 29.8 20.0 2119 29.7 20.9 Total 2594 100.0 109.4 7886 100.0 67.2 7138 100.0 70.2 AGES AT ENTRY 30 TO 44 AGES AT ENTRY 45 AND OVER Overweight 50 Pounds and more Standard Lives Underweight 25 Pounds and more Code No. Cause of Death Number of Deaths Percent- age of Total Ratio per 10,000 Exposed to Risk Number of Deaths Percent- age of Total Ratio per 10,000 Exposed to Risk Number of Deaths Percent- age of Total Ratio per 10,000 Exposed to Risk 1 Typhoid Fever 31 1.8 4.5 107 2.0 3.7 72 2.4 4.0 17 Tuberculosis of the Lungs 16 .9 2.3 239 4.5 8.4 351 11.9 19.5 21 Cancer and other Malignant Tumors 107 6.0 15.6 411 7.7 14.4 216 7.3 12.0 24 Diabetes 93 5.3 13.6 81 1.5 2.8 11 .4 .6 33 Cerebral Hemorrhage and Apoplexy 272 15.4 39.7 604 11.3 21.2 201 6.8 11.2 43 Organic Diseases of the Heart 263 14.8 38.4 568 10.6 19.9 230 7.8 12.8 51 Pneumonia 103 5.8 15.1 451 8.4 15.8 362 12.2 20.1 60 Appendicitis and Typhlitis 25 1.4 3.7 54 1.0 1.9 22 .7 1.2 63 Cirrhosis of the Liver 46 2.6 6.7 93 1.7 3.3 17.9 22 .7 5.9 1.2 9.7 68 Nephritis and Bright's Disease 256 14.4 37.4 510 9.6 175 81 Suicide 25 1.4 3.7 136 2.5 4.8 64 2.2 3.6 82-91 Accident 50 2.8 7.3 254 4.8 8.9 156 5.3 8.7 All other causes 486 27.4 71.0 1832 34.4 64.2 1077 36.4 59.8 Total 1773 100.0 259.0 5340 100.0 187.2 2959 100.0 164.4 34 Many interesting conclusions may be drawn from the foregoing tables. At ages at entry 30 to 44, the death rate from tuberculosis of the lungs is very much less among the overweights than among the underweights, the ratio per 10,000 exposed to risk being 1.8 among the former, and 16.5 among the latter. From diabetes, nephritis and Bright's disease, heart disease, cirrhosis of liver, and cerebral hemorrhage and apoplexy, the death rate is much heavier among the overweights than among the underweights, the latter in each case showing lower rates than the standard lives. The death rates from suicide, accident, and typhoid fever do not materially differ in the three build-groups. Tables H, J, and K are applicable to the years of issue 1885 to 1908 inclusive, and may not be suitable for determining the normal proportions by cause of death during other years. It is questionable, for example, whether the same proportions would hold good for the years 1903 to 1912 as for the years 1885 to 1908, because of the advances in sanitation and medical knowledge. The death rate among the general population from consumption has decreased in recent years, while that from suicide has increased, and this may have been reflected in the death losses of the insurance companies. There is reason to believe that this shifting in the incidence of mortality will continue in the future with reference to these and other causes of death. Furthermore, in making comparisons between various experiences, the average period exposed to risk should be considered. Comparison of this experience with another of an average policy duration considerably greater or less could be validly made only by policy years. 35 Until a few years ago it was the custom of the companies to charge an extra premium to women, or to place them in a special class as to dividends. This custom was justified by the statistics then available, which showed a relatively higher mortality among insured women than among insured men. Two years ago a large company published a synopsis of its experience which showed that the mortality among women, taken on the same terms as men, during a period of ten years had been as satisfactory as among men, and had been lower than when women were accepted in relatively small numbers and either charged an extra premium, or placed in a special dividend class. The experience of that company, and of other companies whose mortality is known to members of the Committee, indicates that, provided adequate care is exercised in eliminating undesirable types, the mortality is lower when insurance on the lives of women is actively canvassed for, and the same rates charged as for men, than under the above mentioned restrictions where applicants voluntarily seeking insurance form a considerable proportion of those accepted. The Committee thought that the mortality among women would be as satisfactory as among men if due care were exercised in accepting risks, and it was therefore more desirous of obtaining the relative mortality among various classes of women than among women as a whole compared with men. The companies were accordingly asked to fur- nish their records of policies issued to women during the years 1885 to 1908 inclusive, sub- divided into four classes, according to conditions at the time the insurance was effected. The four classes were: (a) Spinsters (b) Married women, beneficiary husband (c) Married women, beneficiary other than husband (d) Widows and divorced. Cases which had been treated in any respect as underaverage, impaired or substandard were omitted. The great majority of the risks had been accepted under modern conditions, one-eighth only of the policies having been more than ten years in force, and less than one-half more than five years in force. The extent of the material appears in the following table: MORTALITY AMONG WOMEN WOMEN Ages at Entry Number Entering Years of Exposure Average Period of Exposure in Years 15-19 11,300 45,511 4.03 20-24 62,025 277,505 4.47 25-29 87,760 444,852 5.07 30-34 80,124 433,372 5.41 35-39 61,646 339,052 5.50 40-44 40,276 222,532 5.53 45-49 25,067 141,271 5.64 50-53 12,769 77,885 6.10 54-56 5,996 37,465 6.25 57-59 3,525 22,874 6.49 60-62 1,639 10,088 6.15 63-65 700 4,059 5.80 66-68 173 948 5.48 69-70 32 156 4.88 All Ages 393,032 2,057,570 5.24 36 MORTALITY AMONG WOMEN-all classes COMBINED The experience of the four classes combined appears in Table VI, pp. 122-3, the expected deaths in that and in the following tables having been calculated by the M. A. Table. The main features of the mortality are shown by means of short exhibits, the first of which refers to ages at entry: ALL POLICY YEARS COMBINED Ages at Entry Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths 15-29 3,975 3,481.34 114% 30-39 4,438 4,258.40 104 40-49 3,431 3,498.22 98 50-59 3,040 3,034.41 100 60 and over 623 699.04 89 Total 15,507 14,971.41 104% The mortality among women is higher than among men at the young ages at entry, and lower at ages at entry 60 and above. Considering the experience by insurance years, the following is the result: ALL AGES AT ENTRY COMBINED Policy Years Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths 1 1,978 1,749.69 113% 2 1,907 1,759.97 108 3 1,738 1,655.90 105 4 5 3,014 2,862.96 105 1-5 8,637 8,028.52 108 6-10 4,337 4,386.19 99 11-15 1,833 1,841.85 100 16-24 700 714.85 98 Total 15,507 14,971.41 104% From the sixth to the twenty-fourth policy years for all ages at entry combined, the ratio of actual to expected deaths is 99%. The difference between the mortality among men and women for the first five policy years may be seen in the following table: FIRST FIVE POLICY YEARS Ages at Entry Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths 15-19 160 137.40 116% 20-24 1,033 835.49 124 25-29 1,508 1,323.35 114 30-34 1,439 1,311.73 110 35-39 1,266 1,122.66 113 40-44 918 920.62 100 45-49 819 783.42 105 50-53 575 592.95 97 54-56 395 379.37 104 57 and over 524 621.53 84 Total 8,637 8,028.52 108% 37 The evidence is clear that the mortality is distinctly heavier in the early policy years at ages at entry 15 to 39 than among men. The force of adverse selection is felt by the companies most in the first policy year, and the ratio of actual to expected deaths for that year is now given: FIRST POLICY YEAR Ages at Entry Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths 15-19 44 35.03 126% 20-24 250 204.68 122 25-29 408 307.16 133 30-34 310 296.47 105 35-39 324 252.75 128 40-44 202 189.30 107 45-49 157 160.42 98 50-53 113 116.20 97 54-56 77 73.16 105 57 and over 93 114.52 81 Total 1,978 1,749.69 113% The following table shows the number of entrants in each class in the entire experience, and the actual and expected deaths. MORTALITY ACCORDING TO CONJUGAL CONDITION AT ENTRY CLASS Number Entering Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths Spinsters 149,519 94,813 82,973 65,727 3,557 3,235 4,403 4,312 4,412 2,566 3,869 4,124 81% 126 Married women, beneficiary husband Married women, beneficiary other than husband 114 Widows and divorced 105 Total 393,032 15,507 14,971 104% The details of the foregoing appear in Tables VII to X, pp. 124-131. The following synopsis of the ratios of actual to expected deaths is given in order to bring out the principal results of the investigation: SPINSTERS Policy Years Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths 1 458 561.26 82% 2 426 590.23 72 3 446 551.91 81 4-5 791 935.55 85 6-10 1,035 1,273.23 81 11-24 401 500.44 80 Total 3,557 4,412.62 81% ALL AGES AT ENTRY COMBINED Ages at Entry Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths 15-24 988 987.47 100% 25-29 886 1,068.92 83 30-39 1,090 1,500.16 73 40-49 438 624.22 70 50-62 151 222.32 68 ALL POLICY YEARS COMBINED 38 In this and in several of the following tables the data for ages above 62 have been omitted as the material is meagre. Three deductions regarding spinsters may be drawm from the foregoing: 1. The mortality has been much more favorable than among men; 2. There has been no greater adverse selection than among men; 3. Compared with men the relative mortality decreases with advancing age at entry. MARRIED WOMEN The statistics of the two classes, "Married women, beneficiary husband," and "Married women, beneficiary other than husband," are given in Tables VIII and IX, pp. 126-129. The following synopsis of the ratio of actual to expected deaths is presented: Policy Years Husband Beneficiary Other Beneficiary Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths 1 564 386.32 146% 534 396.84 135% 2 525 367.92 143 525 394.89 133 3 426 331.28 129 439 376.09 117 4-5 691 545.24 127 773 672.98 115 6-10 719 649.75 111 1,255 1,183.41 106 11-24 310 285.90 108 877 844.44 104 Total 3,235 2,566.41 126% 4,403 3,868.65 114% ALL AGES AT ENTRY COMBINED ALL POLICY YEARS COMBINED Ages at Entry Husband Beneficiary Other Beneficiary Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths 15-24 376 249.84 150% 250 158.58 158% 25-29 700 475.79 147 566 392.46 144 30-39 1,233 958.21 129 1,372 1,116.51 123 40-49 664 610.69 109 1,141 1,116.36 102 50-62 261 267.63 98 1,031 1,029.74 100 From the foregoing synopsis the following deductions regarding married women may be made: 1. The mortality has been distinctly higher than among men; 2. Compared with men the relative mortality decreases with advancing age at entry; 3. The class who insured as married women show a much higher mortality than those who insured as spinsters; 4. A well marked selection against the companies is indicated by the heavier ratio of actual to expected deaths in the first and second policy years; 5. The companies' aggregate experience has been slightly less favorable among married women with husband beneficiary than with another beneficiary. The difference in the ratios of actual to expected deaths by policy years for the two classes of married women in the aggregate is, however, misleading, as may be seen by referring to the groups according to age at entry. The difference in the total experience of the two classes is in large measure due to the different distribution of the policies at the various ages at entry. 39 The statistics regarding widows and divorced appear in Table X, pp. 130-131. The following is a synopsis of the ratios of actual to expected deaths: WIDOWS AND DIVORCED ALL AGES AT ENTRY COMBINED Policy Years Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths 1 422 405.27 104% 2 431 406.93 106 3 427 396.62 108 4-5 759 709.19 107 6-10 1,328 1,279.80 104 11-24 945 925.92 102 Total 4,312 4,123.73 105% ALL POLICY YEARS COMBINED Ages at Entry Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths 15-24 47 22.33 210% 25-29 162 125.95 129 30-39 743 683.52 109 40-49 1,188 1,146.95 104 50-62 1,992 1,934.03 103 From these tables the following deductions regarding widows and divorced women may be drawn: 1. The mortality is between that of spinsters and of married women; 2. The progression of the mortality by policy years is of the same nature as among spinsters; 3. There is apparently no more selection against the companies than among men; 4. The mortality according to ages at entry is the same in its general characteristics as in the other three groups of women, the ratio of actual to expected deaths decreasing as the age at entry advances. (The data at ages 15 to 24 are very scanty.) SUMMARY OF RESULTS The general results of the investigation are shown in convenient form in the following tables: Ratio of Actual to Expected Deaths by M. A. Table ALL AGES AT ENTRY COMBINED Policy Years Spinsters Married Women Beneficiary Husband Married Women, Beneficiary other than Husband Widows and Divorced 1 82% 146% 135% 104% 2 72 143 133 106 3 81 129 117 108 4-5 85 127 115 107 6-10 81 111 106 104 11-24 80 108 104 102 Ages at Entry Spinsters Married Women Beneficiary Husband Married Women, Beneficiary other than Husband Widows and Divorced 15-24 100% 150% 158% 210%* 25-29 83 147 144 129 30-39 73 129 123 109 40-49 70 109 102 104 50-62 68 98 100 103 ALL POLICY YEARS COMBINED * Less than 50 deaths. 40 In comparing the mortality of the four classes, it should be remembered that the lives are classified according to the condition at the date of issue of the policies, that a certain percentage of spinsters and widows marry, that some married women become widows, and that there is more incentive for the best type of spinsters to take insurance than for the corresponding type of married women. The hazard of child-bearing has a material influence on the mortality at the young ages at entry, as will be shown in dealing with the causes of death. MORTALITY AT YOUNG AGES A further analysis of the mortality in the early policy years at the young ages at entry was deemed necessary because the ratios of actual to expected deaths are highest and the greatest divergences exist among the classes at these ages. The following synopsis is accordingly pre- sented to show the experience of the first five policy years for the earlier groups of entry ages: FIRST FIVE POLICY YEARS AGES AT ENTRY 15-19 Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths Spinsters 135 120.62 112% Married women, beneficiary husband 13 11.69 111 Married women, beneficiary other than husband 11 4.68 235 Widows and divorced 1 .41 244 Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths Spinsters 561 554.07 101% Married women, beneficiary husband 295 175.59 168 Married women, beneficiary other than husband 151 90.82 166 Widows and divorced 26 15.01 173 AGES AT ENTRY 20-24 AGES AT ENTRY 25-29 Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths Spinsters 529 680 02 78% 153 Married women, beneficiary husband 516 337.24 Married women, beneficiary other than husband 348 226.23 154 Widows and divorced 115 79.86 144 Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths Spinsters 346 510.64 68% 134 Married women, beneficiary husband 460 343.56 Married women, beneficiary other than husband 438 295.55 148 Widows and divorced 195 161.98 120 AGES AT ENTRY 30-34 At ages at entry 15-19 the number of married women is too small to justify any definite conclusions. At these ages there is a fair number of single women and it appears that the mortality does not vary materially from the standard. So far as concerns the entrants at ages 20-24, the mortality among married women is 65% greater than among spinsters. It may be mentioned that for the sixth to the twenty-fourth policy year the mortality among married women at ages at entty 20-24 was 121% of the standard, while among spinsters it was 91%. 41 MORTALITY BY PLANS OF INSURANCE The question was raised whether the difference between the mortality among spinsters and among married women coincided with the more frequent selection of Endowment insurance by spinsters. It is well known that in the case of men, those taking Ordinary Life policies are as a whole worse risks than those taking Endowment insurances. In order to investigate the aggregate mortality of each class according to plan the policies were divided into- (a) Ordinary Life (b) Limited-Payment Life (c) Endowment Insurance (d) All other plans than Ordinary Life, Limited-Payment Life and Endowment Insurance. As (<7) represents less than 6% of the total, the statistics of that class have been omitted. Some of the companies did not furnish the plan of insurance, and accordingly the material available was about 55% of the total data under the four classes of women. MORTALITY BY PLANS ALL AGES AT ISSUE AND ALL POLICY YEARS COMBINED ORDINARY LIFE Number Entering Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths Spinsters . 11,602 353 329.9 107% Married women, beneficiary husband 16,405 638 455.7 140 Married women, beneficiary other than husband 20,898 1,484 1,175.6 126 Widows and divorced 16,815 1,544 1,355.8 114 Number Entering Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths Spinsters 31,044 669 835.1 80% Married women, beneficiary husband 19,896 576 466.5 123 Married women, beneficiary other than husband 19^870 832 748.5 111 Widows and divorced 12,382 487 516.0 94 LIMITED-PAYMENT LIFE ENDOWMENT INSURANCE Number Entering Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths Spinsters 50,069 1,120 1,479.0 76% Married women, beneficiary husband 12,018 412 359.9 114 Married women, beneficiary other than husband 14,564 589 596.2 99 Widows and divorced 9,733 452 455.3 99 It is clear that the mortality among married women is much higher than among spinsters insured on the same plan; also that the relative mortality among the four classes of women under each plan differs little from the aggregate experience. The difference in the mortality by plans for the four classes of women combined are shown in the following table: FOUR CLASSES OF WOMEN, ALL AGES AT ENTRY AND ALL POLICY YEARS COMBINED PLAN OF INSURANCE Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths Ordinary Life 4,019 2,564 2,573 3,317 2,566 2,890 121% 100 Limited-Payment Life Endowment Insurance 89 42 It should not be assumed without qualification that these ratios express the relative differences in the mortality by plans of insurance among women as a whole, because they depend partly on the proportion of the four classes of women in the total. It is interesting to note the difference between the percentages of Endowment insurance on spinsters and on married women, and the following table has accordingly been prepared, combining the statistics for the two classes of married women: DISTRIBUTION BY PLANS OF INSURANCE Ordinary- Life Limited- Payment Life Endowment Insurance Spinsters 13% 33% 54% Married women 36 38 26 Widows and divorced 43 32 25 There is not a material difference between married women and widows in the distribution by plan of insurance, but the difference between these classes and spinsters is very marked. It does not follow from the high mortality among married women that the companies should not insure them, or that it is impossible to select married women so as to obtain a favor- able mortality among them. With greater knowledge, the companies should be able to obtain as favorable mortality as among men, if not better. It may be stated that one company which investigated its experience (T. A. S. A., XI, 446) found that the married women who paid the premiums out of their own incomes and whose children were the beneficiaries under the policies showed a mortality of 90% of the standard employed in that investigation, while married women who had no children and whose husbands paid the premiums and were the beneficiaries, had a mortality of 126%. At first sight it might appear a correct deduction from the foregoing tables that in the general population the mortality among spinsters would be much better than among married women or widows. While such may be the case, the statistics of the Committee do not prove it. The spinsters insured by the companies have generally been in receipt of good incomes and as a class have not been engaged in occupations requiring very long hours or heavy work. It is likely that only a very small proportion of them were employed as saleswomen in the stores, or were engaged in factory work. The great majority probably w'ere teachers, stenographers, librarians, doctors, and other similarly favorable types. 43 INFLUENCE OF BUILD ON MORTALITY AMONG WOMEN There were two sets of statistics on women collected from the companies: (a) Data intended to be the basis of the height and weight table. (t) Data for the study of the four classes of women. The cards for the former contained the height and weight in each case, but did not differ- entiate among spinsters, married women and widows; while the cards for the latter did not give the height and weight. The investigation into the four classes of women showed that there was a substantial difference in the mortality between spinsters and married women; but, in the hope that something of value would be obtained towards determining the influence of build on mortality, the Committee thought it advisable to make an investigation of the data on the cards under (a) together with additional homogeneous data supplied by four repre- sentative companies. The cases were divided into three height-groups: (1) 4 feet 11 inches to 5 feet 2 inches, inclusive (2) 5 feet 3 inches to 5 feet 6 inches, inclusive (3) 5 feet 7 inches to 5 feet 10 inches, inclusive. These divisions were selected because the average height of the women was found to be 5 feet 4^4 inches. All women shorter than 4 feet 11 inches or taller than 5 feet 10 inches were excluded; and also those under age 20 or over age 62 at entry, irrespective of height. The average weight is taken from the table given in Vol. I, p. 66, based on the weight of women at the various ages at entry. The treatment of all weight-groups is the same as for men (see p. 7). In Table XI, pp. 132-3, appears a synopsis of the results for the various groups of ages at entry for all policy years combined. The percentages of actual to expected deaths are irregular, and do not exhibit any decided tendency. To ascertain whether a further grouping might show the trend of the mortality, the following exhibit was prepared: WOMEN HEIGHT 4 FEET 11 INCHES TO 5 FEET 10 INCHES INCLUSIVE ALL POLICY YEARS COMBINED Variation from Average Weight in Pounds Ages at Entry 20 to 29 Inclusive Ages at Entry 30 to 39 Inclusive Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths -15 to -30 742 647.36 115% 953 920.25 104% -10 to +10 826 733.10 113 474 507.99 93 + 15 to +30 142 114.38 124 154 168.18 92 +35 to +60 33 35.68 92 145 117.10 124 Total 1743 1530.52 114% 1726 1713.52 101% 44 WOMEN (Continued) HEIGHT 4 FEET 11 INCHES TO 5 FEET 10 INCHES INCLUSIVE ALL POLICY YEARS COMBINED Variation from Average Weight in Pounds Ages at Entry 40 to 49 Inclusive Ages at Entry 50 to 62 Inclusive Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths - 15 to -30 393 474.61 83% 273 267.09 102% -10 to +10 296 311.21 95 264 240.61 110 + 15 to +30 174 152.53 114 205 165.88 124 +35 to +60 214 183.68 117 222 168.05 132 Total 1077 1122.03 96% 964 841.63 115% Variation from Average Weight in Pounds Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths -15 to -30 2361 2,309.31 102% -10 to 4-10 1860 1,792.91 104 4-15 to 4-30 675 600.97 112 4-35 to 4-60 614 504.51 122 Total 5510 5207.70 106% TOTAL In interpreting these results and for purposes of comparison it should be remembered that the relative mortality in the four classes of women combined was 114% of the M. A. Table for ages at entry 20 to 29, 104% for ages 30 to 39, 98% for ages 40 to 49 and 99% for ages 50 to 62. A comparison of these percentages for women with those of weight-group from 10 pounds underweight to 10 pounds overweight follows: RATIO OF ACTUAL TO EXPECTED DEATHS Ages at Entry 50-62 20-29 30-39 40-49 - 10 pounds to +10 pounds .... 113% 93% 95% no% All women 114 104 98 99 The differences at ages 30-39 and 50-62 appear to indicate that the data are not free from accidental fluctuations. At ages 20 to 29 the ratio of actual to expected deaths for those from 10 pounds under- weight to 10 pounds overweight is 113% of the M. A. Table, while for those from 15 to 60 pounds overweight the ratio is only 117%. At ages at entry 30 to 39 the lowest mortality is among those from 10 pounds underweight to 30 pounds overweight. For ages at entry 40 to 49 there is a gradual increase with increased weight in the ratio of actual to expected deaths, the most favorable group being those from 15 to 30 pounds underweight. At the oldest ages at entry the mortality is probably lowest with those markedly underweight. 45 There is evidently little reliable information regarding the influence of build on longevity that can be obtained from the foregoing table, and accordingly another table has been prepared of more comprehensive groupings. WOMEN HEIGHT 4 FEET 11 INCHES TO 5 FEET 10 INCHES INCLUSIVE ALL POLICY YEARS COMBINED Variation from Average Weight in Pounds Ages at Entry 20 to 39 Inclusive Ages at Entry 40 to 62 Inclusive Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths -25 to -30 459 455.83 101% 433 497.76 87% -15 to -20 1236 1111.78 111 233 243.94 96 -10 to +10 1300 1241.09 105 560 551.82 101 + 15 to +30 296 282.56 105 379 318.41 119 +35 to +60 178 152.78 117 436 351.73 124 Total 3469 3244.04 107% 2041 1963.66 104% TOTAL Variation from Average Weight in Pounds Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths - 25 to -30 892 953.59 94% -15 to -20 1469 1355.72 108 -10 to +10 1860 1792.91 104 + 15 to +30 675 600.97 112 +35 to +60 614 504.51 122 Total 5510 5207.70 106% The foregoing table brings out more clearly the markedly better quality of the distinctly underweight risks at the older ages at entry but in other respects does not afford any conclusive results. A brief synopsis is given of the subdivision of the statistics into three sections by height, and as the results were exceedingly irregular when narrow groups by weight were employed, the following table contains only those from 20 pounds underweight to 20 pounds overweight, inclusive. EFFECT OF HEIGHT ON MORTALITY 46 WOMEN EFFECT OF HEIGHT ON MORTALITY From 20 Pounds Underweight to 20 Pounds Overweight Inclusive Ages at Entry Height 4 Feet 11 In. to 5 Feet 2 In. Height 5 Feet 3 In. to 5 Feet 6 In. Height 5 Feet 7 In. to 5 Feet 10 In. Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths 20-29 399 328 122% 893 820 109% 225 195 115% 30-39 324 305 106 756 745 101 138 144 96 40-49 141 149 95 337 349 97 70 62 113 50-59 140 119 118 229 221 104 37 27 137 It is evident that no satisfactory deductions can be drawn from the foregoing table. In the investigations of the four classes of women it was shown that the mortality among married women was about 50% greater than among spinsters, and it would therefore be quite possible to have a lower mortality among a group of spinsters greatly overweight than among a group of married women of average weight. The statistics on build were of a heterogeneous nature on account of the variation in the mortality of the four classes. As already pointed out, the mortality under Endowment policies was very much lower than under Ordinary Life, and the proportion of Endowment insurance was twice as great among spinsters as among married women. On account of the large amount of labor involved, and the problematical value of the results, the Committee did not deem it advisable to investigate separately the influence of build on the mortality of spinsters or of married women. While the statistics on the influence of build on mortality of women have enabled the Com- mittee to deduce little of substantial value, the following conclusions are suggested by the synoptical tables: 1. The effect of underweight or overweight, particularly at the younger ages, is less than among men, though exhibiting the same general tendencies. 2. At the older ages, underweight to the extent of at least 30 pounds (below which weight statistics are too meagre to draw conclusions from) is an advantage, and overweight is a disad- vantage, increasing with the degree of overweight. CONCLUSION 47 CAUSES OF DEATH AMONG WOMEN Tabulations of the normal proportion of deaths among women by causes were prepared from the statistics supplied by the companies. These cover the four classes of women: 1. Spinsters; 2. Married women, beneficiary husband; 3. Married women, beneficiary other than husband; 4. Widows and divorced. The deaths by causes were calculated (a) as percentages of the total deaths, and (b) as ratios per 10,000 exposed to risk of death. In the data for the investigation of the mortality in the four classes of women there were 15,507 deaths, but as two companies did not supply the information regarding the causes of death, the total number of deaths in this study is 14,274. The principal causes of death were selected, and subdivisions were made according to three en,try age-groups: (a) ages at entry 15 to 29, (b) 30 to 44, (c) 45 and older. The following tables exhibit the deaths from the principal causes: 48 TABLE M WOMEN DEATHS BY GAUSE AMONG STANDARD LIVES Ages at Entry 15 to 29 Code No. Cause of Death Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk 1 Typhoid Fever 234 6.3 3.3 3 Malaria 47 1.3 .7 5 Influenza 28 .8 .4 14 Purulent Infection and Septicaemia 31 .8 .4 17 Tuberculosis of the Lungs 1005 27.2 14.1 18 Other varieties of Tuberculosis 68 1.8 1.0 21 Cancer and other Malignant Tumors 98 2.7 1.4 22 Acute Articular Rheumatism 14 .4 .2 24 Diabetes 25 .7 .4 25 Anaemia and Chlorosis 12 .3 .2 26 Other General Diseases 44 1.2 .6 30 Inflammation of the Brain and its Membranes 56 1.5 .8 31 Locomotor Ataxia 2 .1 32 Other Diseases of the Spinal Cord 12 .3 .2 33 Cerebral Hemorrhage and Apoplexy 54 1.5 .8 34 Softening of the Brain 3 .1 35 Paralysis without specified cause 7 .2 1 36 General Paralysis of the Insane 5 .1 .1 37 Other forms of Mental Alienation 21 .6 3 39 Other Diseases of the Nervous System 26 .7 4 42 Pericarditis and Acute Endocarditis 18 .5 3 43 Organic Diseases of the Heart 123 3.3 1 7 44 Angina Pectoris 4 .1 .1 45 Diseases of the Arteries, Atheroma, Aneurism, etc 1 51 Pneumonia 226 6.1 3 2 52 Pleurisy 13 .3 .2 54 Other Diseases of the Respiratory System, Tuberculosis ex- cepted 21 .6 .3 55 Ulcer of the Stomach 17 .4 .2 56 Other Diseases of the Stomach, Mouth, Pharynx, CEsopha- gus 45 1.2 .6 57 Diarrhoea and Enteritis 38 1 0 5 60 Appendicitis and Typhlitis 84 2.3 1.2 61 Hernia, Intestinal Obstruction 34 9 .5 .2 .1 .4 1.4 63 Cirrhosis of the Liver 15 .4 64 Biliary Calculi 6 9 65 Other Diseases of the Liver 25 7 66 Simple Peritonitis, non-Puerperal 102 ? 8 67 Other Diseases of the Digestive System, Cancer and Tuber- culosis excepted 6 .2 .1 68 Nephritis and Bright's Disease 155 4.2 2 2 72- -75 Diseases of the Uterus, Ovaries, etc 79 2 2 1.1 6 5 76 Diseases of Pregnancy and the Puerperal State 466 12.6 81 Suicide 76 2 1 1.1 2.0 2.9 82- -91 Accident 144 3 7 All other causes 206 5.6 Total 3696 100.0 52.2 49 TABLE M (Continued) WOMEN DEATHS BY CAUSE AMONG STANDARD LIVES Ages at Entry 30 to 44 Code No. Cause of Death Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk 1 Typhoid Fever 244 4.3 2.7 .6 .7 .5 8.6 .7 7.3 .3 .6 .5 .7 .8 .1 .3 2.4 .1 .5 .1 .3 .4 .4 3.3 .3 .1 4.7 .4 .6 .3 1.2 .6 1.0 .8 .5 .3 .7 1.5 .1 4.0 2.0 3.4 .9 2.4 4.3 3 Malaria 59 1.0 5 Influenza 60 1.1 14 Purulent Infection and Septicaemia 49 .9 17 Tuberculosis of the Lungs 785 13.9 18 Other varieties of Tuberculosis 63 1.1 21 Cancer and other Malignant Tumors 668 11.8 22 Acute Articular Rheumatism 31 .6 24 Diabetes 54 .9 25 Anaemia and Chlorosis 50 .9 26 Other General Diseases 67 1.2 30 Inflammation of the Brain and its Membranes 76 1.4 31 Locomotor Ataxia 7 .1 32 Other Diseases of the Spinal Cord 27 .5 33 Cerebral Hemorrhage and Apoplexy 221 3 9 34 Softening of the Brain 9 .2 35 Paralysis without specified cause 42 .7 36 General Paralysis of the Insane 7 .1 37 Other forms of Mental Alienation 29 5 39 Other Diseases of the Nervous System 35 .6 42 Pericarditis and Acute Endocarditis 39 .7 43 Organic Diseases of the Heart 299 5.3 .4 .2 44 Angina Pectoris 24 45 Diseases of the Arteries, Atheroma, Aneurism etc 10 51 Pneumonia 426 7.5 .6 .9 .5 1.9 .9 1 5 52 Pleurisy 34 51 54 Other Diseases of the Respiratory System, Tuberculosis ex- cepted 55 Ulcer of the Stomach 28 56 Other Diseases of the Stomach, Mouth, Pharynx, CEsopha- gus 106 54 57 Diarrhoea and Enteritis 60 Appendicitis and Typhlitis 88 61 Hernia, Intestinal Obstruction 74 1.3 .8 .5 1.1 2 4 63 Cirrhosis of the Liver 44 64 Biliary Calculi 29 64 65 Other Diseases of the Liver 66 Simple Peritonitis, non-Puerperal 133 67 Other Diseases of the Digestive System, Cancer and Tuber- culosis excepted 13 .2 6 4 68 Nephritis and Bright's Disease 362 72-75 Diseases of the Uterus, Ovaries, etc 187 3.3 5.6 76 Diseases of Pregnancy and the Puerperal State.... 315 81 Suicide 82 224 392 1.4 4.0 6.9 82-91 Accident All other causes Total 5661 100.0 62.0 50 TABLE M {Concluded) WOMEN DEATHS BY GAUSE AMONG STANDARD LIVES Code No. Cause of Death Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk 1 Typhoid Fever 62 1.3 2.3 3 Malaria 48 1.0 1.8 5 Influenza 120 2.4 4.5 14 Purulent Infection and Septicaemia 15 .3 .6 17 Tuberculosis of the Lungs 196 4.0 7.3 18 Other varieties of Tuberculosis 28 .6 1.0 21 Cancer and other Malignant Tumors 654 13.3 24.3 22 Acute Articular Rheumatism 24 .5 .9 24 Diabetes 88 1.8 3.3 25 Anaemia and Chlorosis 56 1.1 2.1 26 Other General Diseases 32 .7 1.2 30 Inflammation of the Brain and its Membranes 38 .8 1.4 31 Locomotor Ataxia 8 .2 .3 32 Other Diseases of the Spinal Cord 17 .3 .6 33 Cerebral Hemorrhage and Apoplexy 504 10.3 18.7 34 Softening of the Brain 23 .5 .9 35 Paralysis without specified cause 108 2.2 4.0 36 General Paralysis of the Insane 20 .4 .7 37 39 Other forms of Mental Alienation Other Diseases of the Nervous System 21 28 .4 .6 .8 1.0 42 43 44 Pericarditis and Acute Endocarditis Organic Diseases of the Heart Angina Pectoris 55 527 35 1.1 10.7 .7 2.0 19.6 1.3 45 51 Diseases of the Arteries, Atheroma, Aneurism, etc Pneumonia 46 525 .9 10.7 1.7 19.5 52 Pleurisy 12 .2 .4 54 Other Diseases of the Respiratory System, Tuberculosis ex- cepted 49 1.0 1.8 55 Ulcer of the Stomach 16 .3 .6 56 Other Diseases of the Stomach, Mouth, Pharynx, CEsopha- gus 108 2.2 4.0 57 Diarrhoea and Enteritis 77 1.6 2.9 60 Appendicitis and Typhlitis 16 .3 .6 61 Hernia, Intestinal Obstruction 57 1.2 2.1 63 Cirrhosis of the Liver 49 1.0 1.8 64 Biliary Calculi 26 .5 1.0 65 Other Diseases of the Liver 70 1.4 2.6 66 Simple Peritonitis, non-Puerperal 51 1.0 1.9 67 Other Diseases of the Digestive System, Cancer and Tuber- culosis excepted 13 .3 .5 68 Nephritis and Bright's Disease 365 7.4 13.6 72- -75 Diseases of the Uterus, Ovaries, etc 47 1.0 1.7 76 Diseases of Pregnancy and the Puerperal State 1 81 Suicide 26 .5 1.0 82- -91 Accident 130 2.6 4.8 All other causes 526 10.7 19.5 Total 4917 100.0 182.6 Ages at Entry 45 and over 51 From the foregoing tables have been selected the fourteen most common causes of death, and the proportions of deaths from these causes appear in the following table: TABLE N WOMEN MOST COMMON CAUSES OF DEATH Code Number Cause of Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk Ages at Entry Ages at Entry 15-29 30-44 45 and over 15-29 30-44 45 and over 1 Typhoid Fever 6.3 4.3 1.3 3.3 2.7 2.3 17 Tuberculosis of the Lungs. .. 27.2 13.9 4.0 14.1 8.6 7.3 21 Cancer and other Malignant Tumors 2.7 11.8 13.3 1.4 7.3 24.3 24 Diabetes .7 .9 1.8 .4 .6 3.3 33 Cerebral Hemorrhage and Apoplexy 1.5 3.9 10.3 .8 2.4 18.7 43 Organic Diseases of the Heart 3.3 5.3 10.7 1.7 3.3 19.6 51 Pneumonia 6.1 7.5 10.7 3.2 4.7 19.5 60 Appendicitis and Typhlitis. . 2.3 1.5 .3 1.2 1.0 .6 63 Cirrhosis of the Liver .4 .8 1.0 .2 .5 1.8 68 NephritisandBright'sDisease 4.2 6.4 7.4 2.2 4.0 13.6 72-75 Diseases of the Uterus, etc.. . 2.2 3.3 1.0 1.1 2.0 1.7 76 Diseases of Pregnancy and the Puerperal State 12.6 5.6 6.5 3.4 81 Suicide 2.1 1.4 .5 1.1 .9 1.0 82-91 Accident 3.7 4.0 2.6 2.0 2.4 4.8 All other causes 24.7 29.4 35.1 13.0 18.2 64.1 Total 100.0 100.0 100.0 52.2 62.0 182.6 The following diseases show an increasing proportion of deaths with advancing age at entry: Cancer and other malignant tumors Diabetes Cerebral hemorrhage and apoplexy Organic diseases of the heart Pneumonia Cirrhosis of liver Nephritis and Bright's disease; while there is a decreasing proportion from the following causes: Typhoid fever Tuberculosis of the lungs Appendicitis and typhlitis Diseases of pregnancy. The deaths from the twelve most common causes, tabulated by policy years, appear in the following table: 52 TABLE O WOMEN DEATHS BY CAUSE AMONG STANDARD LIVES Policy Years TYPHOID FEVER Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk Ages at Entry Ages at Entry Ages at Entry 15-29 30-44 45 and over 15-29 30-44 45 and over 15-29 30-44 45 and over 1 63 52 11 9.6 6.7 2.7 4.2 3.1 2.4 2 50 41 6 8.5 5.4 1.5 4.6 3.2 1.7 3-5 76 92 23 5.9 5.1 1.8 3.2 3.1 2.8 6-10 38 47 14 4.4 3.1 .9 2.3 2.0 1.9 11-24 7 12 8 2.2 1.5 .7 1.4 1.5 2.6 Total 234 244 62 6.3 4.3 1.3 3.3 2.7 2.3 Policy Years TUBERCULOSIS OF THE LUNGS Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk Ages at Entry Ages at Entry Ages at Entry 15-29 30-44 45 and over 15-29 30-44 45 and over 15-29 30-44 45 and over 1 108 68 8 16.4 8.8 2.0 7.2 4.0 1.8 2 179 127 19 30.5 16.8 4.7 16.5 9.8 5.4 3-5 419 312 80 32.7 17.2 6.2 17.5 10.4 9.6 6-10 243 210 64 28.4 13.7 4.0 14.9 9.0 8.7 11-24 56 68 25 17.9 8.7 2.1 11.1 8.3 8.0 Total 1005 785 196 27.2 13.9 4.0 14.1 8.6 7.3 Policy Years CANCER AND OTHER MALIGNANT TUMORS Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk Ages at Entry Ages at Entry Ages at Entry 15-29 30-44 45 and over 15-29 30-44 45 and over 15-29 30-44 45 and over 1 7 50 55 1.1 6.4 13.6 .5 3.0 12.1 2 5 52 64 .9 6.9 15.8 .5 4.0 18.1 3-5 24 199 196 1.9 11.0 15.2 1.0 6.6 23.5 6-10 26 240 212 3.0 15.6 13.1 1.6 10.3 28.8 11-24 36 127 127 11.5 16.3 10.5 7.2 15.4 40.7 Total 98 668 654 2.7 11.8 13.3 1.4 7.3 24.3 Policy Years CEREBRAL HEMORRHAGE AND APOPLEXY Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk Ages at Entry Ages at Entry Ages at Entry 15-29 30-44 45 and over 15-29 30-44 45 and over 15-29 30-44 45 and over 1 4 29 33 .6 3.7 8.2 .3 1.7 7.2 2 11 24 39 1.9 3.2 9.6 1.0 1.9 11.1 3-5 11 54 116 .9 3.0 9.0 .5 1.8 13.9 6-10 21 62 165 2.5 4.0 10.2 1.3 2.7 22.4 11-24 7 52 151 2.2 6.7 12.5 1.4 6.3 48.4 Total 54 221 504 1.5 3.9 10.3 .8 2.4 18.7 53 TABLE O (^Continued} WOMEN DEATHS BY CAUSE AMONG STANDARD LIVES Policy Years ORGANIC DISEASES OF THE HEART Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk Ages at Entry Ages at Entry Ages at Entry 15-29 30-44 45 and over 15-29 30-44 45 and over 15-29 30-44 45 and over 1 14 25 34 2.1 3.2 8.4 .9 1.5 7.5 2 12 29 34 2.0 3.8 8.4 1.1 2.2 9.6 3-5 42 91 117 3.3 5.0 9.1 1.8 3.0 14.0 6-10 38 74 192 4.4 4.8 11.9 2.3 3.2 26.1 11-24 17 80 150 5.4 10.2 12.5 3.4 9.7 48.1 Total 123 299 527 3.3 5.3 10.7 1.7 3.3 19.6 Policy Years PNEUMONIA Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk Ages at Entry Ages at Entry Ages at Entry 15-29 30-44 45 and over 15-29 30-44 45 and over 15-29 30-44 45 and over 1 57 79 52 8.7 10.2 12.9 3.8 4.7 11.4 2 29 50 37 4.9 6.6 9.1 2.7 3.9 10.5 3-5 75 136 136 5.9 7.5 10.1 3.1 4.5 16.3 6-10 41 102 157 4.8 6.6 9.7 2.5 4.4 21.3 11-24 24 59 143 7.7 7.6 11.9 4.8 7.2 45.8 Total 226 426 525 6.1 7.5 10.7 3.2 4.7 19.5 Policy Years APPENDICITIS AND TYPHLITIS Numberof Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk Ages at Entry Ages at Entry Ages at Entry 15-29 30-44 45 and over 15-29 30-44 45 and over 15-29 30-44 45 and over 1 23 16 2 3.5 2.1 .5 1.5 .9 .4 2 11 12 1 1.9 1.6 .2 1.0 .9 .3 3-5 21 24 5 1.6 1.3 .4 .9 .8 .6 6-10 20 27 4 2.3 1.8 .2 1.2 1.2 .5 11-24 9 9 4 2.9 1.2 .3 1.8 1.1 1.3 Total 84 88 16 2.3 1.5 .3 1.2 1.0 .6 Policy Years NEPHRITIS AND BRIGHT'S DISEASE Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk Ages at Entry Ages at Entry Ages at Entry 15-29 30-44 45 and over 15-29 30-44 45 and over 15-29 30-44 45 and over 1 22 31 23 3.3 4.0 5.7 1.5 1.8 5.0 2 20 38 21 3.4 5.0 5.2 1.8 2.9 6.0 3 5 47 111 97 3.7 6.1 7.5 2.0 3.7 11.6 6-10 48 110 122 5.6 7.2 7.6 2.9 4.7 16.6 11-24 18 72 102 5.8 9.2 8.5 3.6 8.8 32.7 Total 155 362 365 4.2 6.4 7.4 2.2 4.0 13.6 54 TABLE O (Concluded) WOMEN DEATHS BY CAUSE AMONG STANDARD LIVES Policy Years DISEASES OF THE UTERUS, OVARIES, ETC. Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk Ages at Entry Ages at Entry Ages at Entry 15-29 30-44 45 and over 15-29 30-44 45 and over 15-29 30-44 45 and over 1 15 31 10 2.3 4.0 2.5 1.0 1.8 2.2 2 8 30 8 1.4 4.0 2.0 .7 2.3 2.3 3-5 30 61 14 2.3 3.4 1.1 1.3 2.0 1.7 6-10 18 48 9 2.1 3.1 .6 1.1 2.1 1.2 11-24 8 17 6 2.6 2.2 .5 1.6 2.1 1.9 Total 79 187 47 2.2 3.3 1.0 1.1 2.0 1.7 Policy Years DISEASES OF PREGNANCY AND THE PUERPERAL STATE Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk Ages at Entry Ages at Entry Ages at Entry 15-29 30-44 45 and over 15-29 30-44 45 and over 15-29 30-44 45 and over 1 89 72 1 13.5 9.3 .2 5.9 4.3 .2 2 69 72 11.8 9.5 6.4 5.6 3-5 168 115 13.1 6.4 7.0 3.8 6-10 111 52 13.0 3.4 6.8 2.2 11-24 29 4 9.3 .5 5.8 .5 Total 466 315 1 12.6 5.6 .0 6.5 3.4 .0 Policy Years SUICIDE Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk Ages at Entry Ages at Entry Ages at Entry 15-29 30-44 45 and over 15-29 30-44 45 and over 15-29 30-44 45 and over 1 16 13 4 2.4 1.7 1.0 1.1 .8 .9 2 12 14 2 2.0 1.9 .5 1.1 1.1 .6 3-5 23 28 12 1.8 1.5 .9 1.0 .9 1.4 6-10 18 22 6 2.1 1.4 .4 1.1 .9 .8 11-24 7 5 2 2.2 .6 .2 1.4 .6 .6 Total 76 82 26 2.1 1.4 .5 1.1 .9 1.0 Policy Years ACCIDENT Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk Ages at Entry Ages at Entry Ages at Entry 15-29 30-44 45 and over 15-29 30-44 45 and over 15-29 30-44 45 and over 1 54 45 17 8.2 5.8 4.2 3.6 2.7 3.7 2 9 25 7 1.5 3.3 1.7 .8 1.9 2.0 3-5 40 73 35 3.1 4.0 2.7 1.7 2.4 4.2 6-10 31 52 53 3.6 3.4 3.3 1.9 2.2 7.2 11-24 10 29 18 3.2 3.7 1.5 2.0 3.5 5.8 Total 144 224 130 3.7 4.0 2.6 2.0 2.4 4.8 55 There are four causes under which the proportion increases with the duration of the policy, doubtless largely because of the advancing age of the insured, namely: Cancer and other malignant tumors, Cerebral hemorrhage and apoplexy, Organic diseases of the heart, Nephritis and Bright's disease. The mortality from suicide is not materially higher in the first than in the second or third policy year, but that from accident is distinctly higher in the first than in the second policy year. In the case of tuberculosis, the proportion of deaths in the first policy year i^ comparatively low, increases to a maximum between the third and fifth year, and then decreases. In the following tables are exhibited the most common causes of death for the four classes of women: TABLE P SPINSTERS MOST COMMON CAUSES OF DEATH Code No. Cause of Death Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk Ages at Entry Ages at Entry Ages at Entry 15-29 30-44 45and over 15-29 30-44 45and over 15-29 30-44 45and over 1 Typhoid Fever 119 60 8 7.0 5.0 2.7 2 9 2 1 2 9 17 Tuberculosis of the Lungs 513 174 14 30.2 14 4 4 7 12 4 6 0 5 0 21 Cancer and other Malignant Tumors 37 151 43 2.2 12.5 14 5 9 5 2 15 4 24 Diabetes 10 15 7 .6 1.2 2.4 .2 5 2 5 33 Cerebral Hemorrhage and Apoplexy 26 44 31 1.5 3.6 10.5 .6 1.5 11.1 43 Organic Diseases of the Heart 49 58 23 2.9 4.8 7.8 1 2 2 0 8 2 51 Pneumonia 93 76 27 5.4 6.3 9 1 2 2 2 6 9 7 60 Appendicitis and Typhlitis 54 32 2 3.2 2.6 .7 1.3 1.1 .7 63 Cirrhosis of the Liver 8 7 4 .5 .6 1.3 .2 2 1 4 68 Nephritis and Bright's Disease 66 66 24 3.9 5.4 8.1 1.6 2.3 8.6 72-75 Diseases of the Uterus, Ovaries, etc 37 49 7 2.2 4.0 2.4 9 1 7 2.5 76 Diseases of Pregnancy and the Puerperal State 146 46 8.6 3.8 3.5 1.6 81 Suicide 44 15 1 2.6 1.2 .3 1 1 5 4 82-91 Accident 70 73 13 4.1 6.0 4 4 1 7 2 5 4 7 All other causes 426 346 92 25.1 28.6 31.1 10.2 11.8 32.8 Total 1698 1212 296 100.0 100.0 100.0 40.9 41.6 105.9 MARRIED WOMEN, BENEFICIARY HUSBAND MOST COMMON CAUSES OF DEATH Code No. Cause of Death Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk Ages at Entry Ages at Entry Ages at Entry 15-29 30-44 45andover 15-29 30-44 45and over 15-29 30-44 45and over 1 Typhoid Fever 57 69 13 5 5 4 5 2 6 3 6 3 2 3 8 17 Tuberculosis of the Lungs 248 245 28 23.8 15.8 5 6 15 9 11 3 8 1 21 Cancer and other Malignant Tumors 24 154 72 2.3 10.0 14 4 1 5 7 1 20 9 24 Diabetes 8 10 10 .8 .6 2 0 5 5 2 9 33 Cerebral Hemorrhage and Apoplexv 11 51 44 1.0 3.3 8.8 .7 2.4 12 8 43 Organic Diseases of the Heart 35 80 50 3.4 5.2 10 0 2 2 3 7 14 5 51 Pneumonia 69 122 38 6.6 7 9 7 6 4 4 5 6 11 0 60 Appendicitis and Typhlitis 17 14 1 1.6 .9 .2 1 1 7 3 63 Cirrhosis of the Liver 5 8 5 .5 .5 1 0 3 4 1 5 68 Nephritis and Bright's Disease 43 105 45 4.1 6.8 9 0 2.8 4 9 13 0 72-75 Diseases of the Uterus, Ovaries, etc 28 57 6 2.7 3.7 1.2 1 8 2 6 1.7 76 Diseases of Pregnancy and the Puerperal State 196 136 18.8 8.8 12.5 6.3 81 Suicide 13 17 2 1.2 1 1 4 8 8 6 82-91 Accident 32 40 14 3 1 2 6 2 8 2 1 1 9 4 1 All other causes 257 438 172 24.6 28.3 34.4 16.5 20.1 49.7 Total 1043 1546 500 100.0 100.0 100.0 66.7 71.5 144.9 56 TABLE P {Concluded) MARRIED WOMEN, BENEFICIARY OTHER THAN HUSBAND MOST COMMON CAUSES OF DEATH Code No. Cause of Death Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk Ages at Entry Ages at Entry Ages at Entry 15-29 30-44 45andover 15-29 30-44 45andover 15-29 30-44 45and over 1 Typhoid Fever 46 69 20 6 0 3 8 1 3 4 2 2 9 2 4 17 Tuberculosis of the Lungs 191 216 60 25.1 12.1 3.9 17.3 9.0 7.2 21 Cancer and other Malignant Tumors 32 192 220 4.2 10.7 14.4 2.9 8.0 26.4 24 Diabetes 5 21 27 .7 1 2 1 8 .5 9 3 2 33 Cerebral Hemorrhage and Apoplexy 14 76 148 1.8 4.3 9.7 1.3 3.2 17.8 43 Organic Diseases of the Heart 30 94 183 3.9 5.2 12 0 2.7 3.9 22 0 51 Pneumonia 55 139 169 7 2 7 8 11 1 5 0 5 8 20 3 60 Appendicitis and Typhlitis 10 26 8 1.3 1.5 .5 9 1.1 1 0 63 Cirrhosis of the Liver 2 16 17 .3 .9 1 1 .2 .7 2 0 68 Nephritis and Bright's Disease 41 125 101 5.4 7.0 6.6 3.7 5.2 12.1 72-75 Diseases of the Uterus, Ovaries, etc 10 49 15 1.3 2.7 1.0 .9 2.0 1.8 76 Diseases of Pregnancy and the Puerperal State 112 113 1 14.7 6.3 .1 10.1 4.7 .1 81 Suicide 12 28 8 1.6 1.6 5 1.1 1 2 1 0 82-91 Accident 30 66 31 3.9 3 7 2.0 2 7 2 8 3 7 All other causes 172 558 519 22.6 31.2 34.0 15.4 23.0 62.5 Total 762 1788 1527 100.0 100.0 100.0 68.9 74.4 183.5 MOST COMMON CAUSES OF DEATH WIDOWS AND DIVORCED Code No. Cause of Death Number of Policies Terminated by Death Percentage of Total Deaths Ratio per 10,000 Exposed to Risk Ages at Entry Ages at Entry Ages at Entry 15-29 30-44 45andover 15-29 30-44 45andover 15-29 30-44 45and over 1 Typhoid Fever 12 46 21 6.2 4.1 .8 4.0 2.8 1.7 17 Tuberculosis of the Lungs 53 150 94 27.5 13.5 3.6 17.8 9.0 7.6 21 Cancer and other Malignant Tumors 5 171 319 2.6 15.3 12.3 1.7 10.3 25.9 24 Diabetes 2 8 44 1.0 .7 1.7 .7 .5 3 6 33 Cerebral Hemorrhage and Apoplexy 3 50 281 1.5 4.5 10.8 1.0 3.0 22.8 43 Organic Diseases of the Heart 9 67 271 4.7 6.0 10.5 3.0 4.0 22.0 51 Pneumonia 9 89 291 4.7 8.0 11.2 3.0 5.4 23.6 60 Appendicitis and Typhlitis 3 16 5 1.5 1.4 .2 1.0 1.0 .4 63 Cirrhosis of the Liver 13 23 1.2 .9 .8 1.9 68 Nephritis and Bright's Disease 5 66 195 2.6 5.9 7.5 1.7 4.0 15.8 72-75 Diseases of the Uterus, Ovaries, etc 4 32 19 2.1 2.9 .7 1.3 1.9 1.5 76 Diseases of Pregnancy and the Puerperal State 12 20 6.2 1.8 4.0 1.2 81 Suicide 7 22 15 3.6 2.0 .6 2.4 1.3 1.2 82-91 Accident 12 45 72 6.2 4.0 2.8 4.0 2.7 5.8 All other causes 57 320 944 29.6 28.7 36.4 19.1 19.2 76.4 Total 193 1115 2594 100.0 100.0 100.0 64.7 67.1 210.2 The foregoing tables do not reveal any important difference in the relative mortality among the four classes of women, with the following exceptions: Spinsters insured by the Companies show a distihctly lower mortality than any of the other three classes from the following causes: Tuberculosis of the lungs, Pneumonia, Nephritis and Bright's disease, Cancer, Cerebral hemorrhage and apoplexy, Organic diseases of the heart. From these tables it may be inferred that typhoid fever is not a disease of youth alone, and that tuberculosis of the lungs continues to be of considerable moment at age 45 and above. It is desirable to qualify these conclusions by pointing out that (1) the distribution by ages at entry, in the large age-groups selected, probably affects the results, and (2) that the differences are in no way connected with the conjugal condition as such. In the United States, married women among the general population show a decidedly lower rate of mortality from tuberculosis than do spinsters. (12th Census Vol. Ill, p. clxxix.) 57 A very important cause of death is that appearing under No. 76 of the Code (Diseases of pregnancy and the puerperal state). The following table is given to bring out the differences among the four groups of women: DISEASES OF PREGNANCY AND THE PUERPERAL STATE CLASS Ages at Entry 15-29 Ages at Entry 30-44 Number of Policies Termi- nated by Death Percent- age of Total Deaths Ratio per 10,000 Exposed to Risk N umber of Policies Termi- nated by Death Percent- age of Total Deaths Ratio per 10.000 Exposed to Risk Spinsters 146 8.6 3.5 46 3.8 1.6 Married women, beneficiary husband 196 18.8 12.5 136 8.8 6.3 Married women, beneficiary other than husband.. . . 112 14.7 10.1 113 6.3 4.7 Widows and divorced 12 6.2 4.0 20 1.8 1.2 The foregoing table indicates that many who insure as spinsters afterwards marry, and proves that childbirth has an important influence on the mortality of married women. COMPARISON OF GAUSES OF DEATH AMONG MEN WITH THOSE AMONG WOMEN As the causes of death have been tabulated for both men and women, a comparison may readily be made. The percentage of deaths to total deaths and the ratio per 10,000 exposed to risk are given in the following table for twelve of the most common causes of death: TABLE 0 MEN AND WOMEN-DEATHS BY CAUSE Code No. Cause of Death Ages at Entry Ages at Entry Ages at Entry 15-29 30-44 45 and over Men Women Men Women Men Women 1 Typhoid Fever 14.2 6.3 6.8 4.3 2.0 1.3 17 Tuberculosis of the Lungs 22.5 27.2 12.3 13.9 4.5 4.0 21 Cancer and other Malignant Tumors 2.1 2.7 4.8 11.8 7.7 13.3 24 Diabetes 1.2 .7 1.7 .9 1.5 1.8 33 Cerebral Hemorrhage and Apoplexy 2.1 1.5 6.2 3.9 11.3 10.3 43 Organic Diseases of the Heart 3.0 3.3 5.9 5.3 10.6 10.7 51 Pneumonia 7.6 6.1 9.4 7.5 8.4 10.7 60 Appendicitis and Typhlitis 3.3 2.3 2.1 1.5 1.0 .3 63 Cirrhosis of the Liver .7 .4 1.4 .8 1.7 1.0 68 Nephritis and Bright's Disease 4.1 4.2 7.3 6.4 9.6 7.4 81 Suicide 3.1 2.1 4.1 1.4 2.5 .5 82-91 Accident 12.1 3.7 8.2 4.0 4.8 2.6 All other causes 24.0 39.5 29.8 38.3 34.4 36.1 PERCENTAGES OF TOTAL DEATHS 58 TABLE Q (Concluded) MEN AND WOMEN-DEATHS BY CAUSE RATIOS PER 10,000 EXPOSED TO RISK Code No. Cause of Death Ages at Entry Ages at Entry Ages at Entry 15-29 30-44 45 and over Men Women Men Women Men Women 1 Typhoid Fever 6.7 3.3 4.6 2.7 3.7 2.3 17 Tuberculosis of the Lungs 10.6 14.1 8.2 8.6 8.4 7.3 21 Cancer and other Malignant Tumors 1.0 1.4 3.2 7.3 14.4 24.3 24 Diabetes .6 .4 1.2 .6 2.8 3.3 33 Cerebral Hemorrhage and Apoplexy 1.0 .8 4.1 2.4 21.2 18.7 43 Organic Diseases of the Heart 1.4 1.7 4.0 3.3 19.9 19.6 51 Pneumonia 3.6 3.2 6.3 4.7 15.8 19.5 60 Appendicitis and Typhlitis 1.6 1.2 1.4 1.0 1.9 .6 63 Cirrhosis of the Liver .3 .2 1.0 .5 3.3 1.8 68 Nephritis and Bright's Disease 1.9 2.2 4.9 4.0 17.9 13.6 81 Suicide 1.5 1.1 2.8 .9 4.8 1.0 82-91 Accident 5.7 2.0 5.5 2.4 8.9 4.8 All other causes 11.3 20.5 20.0 23.7 64.2 66.0 It is apparent that the percentage of deaths and the death rate from the following causes are greater among men than among women: Typhoid fever Appendicitis and typhlitis Cirrhosis of the liver Suicide Accident, while there is a greater proportion from cancer and other malignant tumors among women than among men. These comparisons are of all policy years combined, and are therefore not wholly satis- factory for the reason that the average period of exposure is nearly two years shorter for women than for men. 59 MORTALITY AMONG CERTAIN RACES NORTH AMERICAN INDIANS In Table XII, pp. 134-5, appear the statistics on North American Indians. The mor- tality has not been satisfactory, although the companies are known to have exercised great care in selection. A synopsis is as follows: NORTH AMERICAN INDIANS Number Entering 1,402 Actual Deaths 47 Expected Deaths 37.9 Ratio of Actual to Expected Deaths 124% CHINESE The companies insured so few Chinese resident in the United States and Canada that it did not seem worth while to publish the statistics in detail. The following is a summary: Number Entering 454 CHINESE RESIDENT IN THE UNITED STATES AND CANADA Exposed to Risk 1,563 Actual Deaths 17 Expected Deaths 8.74 Ratio of Actual to Expected Deaths 195% JAPANESE There were very few Japanese insured by the companies prior to 1909. The statistics are so meagre as to be of little value. JAPANESE RESIDENT IN THE UNITED STATES AND CANADA Number Entering 198 Exposed to Risk 836 Actual Deaths 5 Expected Deaths 5.05 Ratio of Actual to Expected Deaths 99% NEGROES The Negroes were divided into two classes: (a) Teachers and other professional men, (b) All other colored men. The results appear in Tables XIII and XIV, pp. 136-9. The following is a synopsis of the results: Number Entering Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths Ministers, Teachers and other professional men 4,503 202 147.4 137% All other colored men 17,296 792 540.0 147 NEGROES Iii the Specialized Mortality Investigation there were 223.7 expected, and 242 actual deaths, a ratio of actual to expected of 108%; but if the expected deaths had been determined by the present standard the ratio would have been about 130%. The volume of present statis- tics is four times that of the Specialized. 60 In a table given by a large Industrial company in 1904 (see proceedings of Fourth Interna- national Congress of Actuaries, p. 136), the ratio of the Negro to the White mortality for ages attained 20 to 59 averaged 140%, being at some ages as high as 155%, and at no ages lower than 120%. This is in accord with the present results. As one company found a much heavier relative mortality among Negroes in the later than in the earlier policy years, the above statistics are summarized into (a) 1st to 5th policy years, and (b) 6th and succeeding policy years. NEGROES Policy Years Ministers, Teachers and other Professional Men All other Colored Men Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths 1-5 118 83.5 141% 461 324.4 142 6-24 84 63.9 131 331 215.6 154 The trend of the mortality by ages at entry may be seen from the following exhibit, in which the two classes of Negroes have been combined: Ages at Entry Actual Deaths Expected Deaths Ratio of Actual to Expected Deaths 15-29 160 94.1 170% 30-39 334 222.6 150 40-49 342 226.6 151 50-59 149 134.3 111 The above exhibit indicates that the mortality among the Negroes insured by the com- panies was heavier at all ages than among Whites, but was relatively highest at ages at entry under 30. 61 TABLE I MEN INFLUENCE OF BUILD ON MORTALITY Height 5 Feet 3 Inches to 5 Feet 6 Inches Inclusive. Weight -50 and more Pounds Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 1 .00 7 .03 5 .02 1 2 1 .00 5 .03 5 .03 2 3 4 .02 5 .03 3 4 2 .01 5 .04 4 5 2 .01 5 .04 5 6 1 .01 5 .04 6 7 1 .01 5 .05 7 8 5 .05 8 9 5 .05 9 10 5 .06 10 11 5 .06 11 12 5 .07 12 13 4 1 .06 13 14 3 .05 14 15 3 .05 15 16 3 .06 16 17 3 .06 17 18 3 .07 18 19 3 .07 19 20 3 .08 20 21 1 .03 21 22 1 .03 22 23 23 24 • • 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 23 .15 3 .03 1 .01 1 .02 1 2 20 1 .18 2 .03 1 .02 1 .02 2 3 15 .14 2 .03 1 .02 1 .02 3 4 11 .11 2 .03 1 .02 1 .03 4 5 11 .12 1 .02 1 .02 1 .03 5 6 11 1 .13 1 .02 1 .02 1 .03 6 7 10 .13 1 .02 1 .03 1 .04 7 8 7 .10 1 .02 1 .03 1 .04 8 9 6 .09 1 .02 1 .03 1 .04 9 10 5 .08 1 1 .02 1 .04 1 .05 10 11 3 .05 1 .04 1 .05 11 12 3 .06 1 .04 12 13 2 .04 13 14 2 .05 14 15 2 .05 15 16 2 .06 16 17 2 .06 17 18 2 .07 18 19 2 .08 19 20 2 .08 20 21 1 .05 • • 21 22 1 .05 22 23 23 24 24 63 TABLE I (Continued) MEN Height 5 Feet 3 Inches to 5 Feet 6 Inches Inclusive. Weight -35 to -45 Pounds INFLUENCE OF BUILD ON MORTALITY Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 100 .33 195 1 .68 378 1 1.40 998 5 4.09 651 2 3.06 1 2 72 .32 147 1 .68 313 2 1.50 802 5 4.17 538 6 3.44 2 3 63 .29 133 .63 272 3 1.33 731 5 3.95 483 2 3.33 3 4 58 .27 126 • . .60 242 3 1.21 650 3 3.71 443 4 3.32 4 5 50 .24 103 1 .50 219 2 1.14 570 3 3.36 396 5 3.17 5 6 42 .20 92 1 .45 197 1 1.04 519 1 3.22 356 2 3.03 6 7 37 .18 83 .42 175 2 .95 469 2 3.10 313 6 2.85 7 8 34 .17 79 .40 152 2 .84 422 5 2.95 285 • . 2.79 8 9 30 .15 74 .38 135 .77 373 6 2.80 266 3 2.82 9 10 28 .14 69 .36 121 .71 341 4 2.73 235 1 2.70 10 11 23 .12 54 .29 102 .63 296 4 2.52 192 1 2.40 11 12 18 .09 51 .28 91 .60 266 5 2.42 175 1 2.36 12 13 12 .06 40 .22 74 .52 222 2 2.18 147 1 2.15 13 14 11 .06 35 .20 68 2 .51 200 2 2.12 134 4 2.12 14 15 7 .04 28 .17 56 .45 168 2 1.93 118 5 2.02 15 16 6 .03 26 .16 49 .42 129 1 1.61 85 1 1.57 16 17 6 .03 23 .15 38 .35 104 1 1.40 75 1.51 17 18 6 .03 19 1 .13 34 .33 95 1 1.39 68 2 1.49 18 19 4 .02 13 .10 23 .24 74 2 1.17 54 1 1.30 19 20 3 .02 10 .08 19 .22 53 1 .91 43 1.14 20 21 1 .01 4 .03 8 .10 30 .56 19 .55 21 22 1 .01 2 .02 8 .11 23 2 .46 15 .48 22 23 1 .01 1 .01 4 .06 15 .33 10 .35 23 24 1 .01 1 .01 3 .05 6 .14 5 .20 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 1355 12 8.67 594 4 5.41 279 6 3.40 166 3 2.66 82 2 1.68 1 2 1094 9 9.63 473 1 5.91 228 3 3.60 136 4 2.77 64 5 1.76 2 3 976 8 9.27 419 5 5.78 204 3 3.73 115 3 2.76 54 1.73 3 4 864 14 8.99 370 5 5.55 182 1 3.66 99 4 2.61 46 2 1.63 4 5 759 3 8.58 319 3 5.20 159 2 3.48 86 6 2.50 41 1.60 5 6 673 7 8.21 282 5 4.94 146 2 3.50 66 2 2.12 38 2 1.63 6 7 619 6 8.17 246 3 4.67 130 5 3.43 55 1 1.95 34 3 1.60 7 8 539 7 7.71 221 1 4.55 112 5 3.26 49 1 1.91 29 2 1.50 8 9 480 4 7.39 194 6 4.37 99 6 3.18 44 1 1.89 26 2 1.47 9 10 433 6 7.23 170 6 4.20 86 1 3.04 37 2 1.74 23 1.42 10 11 350 4 6.34 131 3 3.56 68 3 2.65 24 1.24 18 1 1.20 11 12 306 5 6.00 113 • • 3.39 55 2.36 18 1.02 16 1 1.16 12 13 267 3 5.71 95 1 3.14 48 3 2.26 14 .86 15 1 1.17 13 14 236 6 5.52 85 1 3.10 40 6 2.06 13 .87 13 1 1.10 14 15 189 4 4.86 72 2 2.89 27 1.53 11 1 .80 10 1 .92 15 16 126 3 3.57 52 2 2.30 23 1 1.42 4 1 .31 4 .40 16 17 100 4 3.12 43 2.09 18 1 1.20 1 .08 4 2 .43 17 18 82 3 2.82 39 1 2.07 15 1.08 2 - . .23 18 19 64 2.43 33 • • 1.92 11 .86 1 .13 19 20 45 1.88 24 1.52 9 1 .76 1 1 .14 20 21 27 1.24 13 1 .89 8 1 .74 21 22 18 .91 9 .67 5 .50 22 23 12 .66 7 .56 5 2 .54 23 24 6 .36 3 • • .26 1 1 .12 . . • . 24 64 TABLE I (Continued) MEN Height 5 Feet 3 Inches to 5 Feet 6 Inches Inclusive. Weight -25 to -30 Pounds INFLUENCE OF BUILD ON MORTALITY Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 2538 7 8.38 4264 9 14.92 5961 11 22.06 5789 19 23.73 3532 22 16.60 1 2 1875 7 8.44 3271 13 15.05 4684 21 22.48 4540 24 23.61 2719 10 17.40 2 3 1612 7 7.42 2889 15 13.58 4153 26 20.35 4032 16 21.77 2442 22 16.85 3 4 1438 6 6.76 2586 14 12.41 3704 23 18.52 3598 23 20.51 2184 25 16.38 4 5 1240 9 5.95 2307 13 11.30 3321 21 17.27 3206 26 18.92 1943 23 15.54 5 6 1087 6 5.22 2039 17 9.99 3005 18 15.93 2872 16 17.81 1761 9 14.97 6 7 938 5 4.60 1825 14 9.13 2669 14 14.41 2587 15 17.07 1578 14 14.36 7 8 820 5 4.02 1641 11 8.21 2409 15 13.25 2347 12 16.43 1404 4 13.76 8 9 714 1 3.50 1483 5 7.56 2146 12 12.23 2162 14 16.22 1271 7 13.47 9 10 629 4 3.08 1324 8 6.88 1939 17 11.44 1964 11 15.71 1143 14 13.14 10 11 514 4 2.57 1115 4 5.91 1638 7 10.16 1692 6 14.38 967 13 12.09 11 12 436 4 2.18 968 7 5.23 1414 7 9.33 1504 15 13.69 819 12 11.06 12 13 362 3 1.85 826 3 4.54 1249 7 8.74 1329 12 13.02 705 10 10.29 13 14 327 2 1.70 738 5 4.21 1111 11 8.33 1174 16 12.44 622 4 9.83 14 15 266 3 1.41 625 6 3.69 982 10 7.86 1018 17 11.71 553 6 9.46 15 16 213 1 1.15 485 8 3.01 789 11 6.71 786 10 9.83 424 6 7.84 16 17 168 1 .92 395 2.61 663 10 6.03 633 5 8.55 343 6 6.89 17 18 131 .73 313 2 2.19 556 6 5.45 519 6 7.58 278 8 6.09 18 19 102 .59 265 1 1.99 439 5 4.65 432 2 6.83 228 7 5.47 19 20 81 1 .49 204 2 1.63 334 5 3.84 330 6 5.64 172 4 4.54 20 21 38 .24 81 2 .69 139 1 1.74 154 4 2.85 80 2.33 21 22 28 .19 56 1 .51 93 2 1.26 97 1 1.95 56 • • 1.80 22 23 17 .12 35 .34 57 1 .83 58 • • 1.27 32 1.13 23 24 7 .05 14 1 .15 27 .43 31 .74 15 3 .59 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 1352 5 8.65 632 8 5.75 309 11 3.77 145 • • 2.32 78 4 1.60 1 2 1048 11 9.22 499 7 6.24 247 4 3.90 120 2 2.45 60 2 1.65 2 3 946 3 8.99 443 4 6.11 212 3.88 109 1 2.62 53 1.70 3 4 850 8 8.84 397 5 5.96 184 3 3.70 95 2 2.51 45 1 1.59 4 5 758 7 8.57 362 3 5.90 160 2 3.50 81 3 2.36 41 1.60 5 6 676 8 8.25 325 7 5.69 146 3 3.50 71 2 2.28 36 2 1.54 6 7 606 7 8.00 293 7 5.57 134 3 3.54 65 2.30 30 1.41 7 8 534 10 7.64 270 6 5.56 120 2 3.49 56 3 2.18 29 5 1.50 8 9 481 7 7.41 243 3 5.47 107 5 3.43 47 2 2.02 23 2 1.30 9 10 415 6 6.93 219 2 5.41 91 3 3.22 40 2 1.88 14 .86 10 11 336 2 6.08 175 9 4.76 69 3 2.69 28 1 1.44 11 .73 11 12 284 3 5.57 144 4 4.32 58 3 2.49 20 1 1.13 10 .72 12 13 248 5 5.31 120 4 3.97 44 2.07 16 1 .99 10 1 .78 13 14 210 4 4.91 106 4 3.87 38 2 1.96 12 .80 5 .42 14 15 178 1 4.57 85 3 3.42 31 1 1.75 10 .72 4 .37 15 16 128 3 3.62 51 2.25 19 2 1.17 7 .55 3 1 .30 16 17 112 2 3.49 46 1 2.23 15 1 1.00 5 3 .42 2 .22 17 18 86 1 2.96 35 5 1.86 11 1 .80 2 .18 2 1 .23 18 19 70 2.65 22 1.28 9 1 .70 2 .20 1 • . .13 19 20 48 3 2.00 17 2 1.07 7 1 .59 2 1 .22 1 .14 20 21 20 1 .92 5 .34 1 .09 • . 1 • . .15 21 22 13 .65 2 1 .15 1 .10 1 .16 22 23 6 .33 1 1 .11 • . 1 .17 23 24 2 .12 • • • • • • 1 .19 24 65 TABLE I (Continued) MEN Height 5 Feet 3 Inches to 5 Feet 6 Inches Inclusive. Weight -15 to -20 Pounds INFLUENCE OF BUILD ON MORTALITY Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 13106 41 43.25 11790 31 41.27 6088 19 22.53 1871 7 7.67 985 2 4.63 1 2 9453 44 42.54 8877 39 40.83 4718 25 22.65 1428 9 7.43 780 5 4.99 2 3 8269 28 38.04 7893 35 37.10 4191 13 20.54 1302 4 7.03 730 2 5.04 3 4 7093 22 33.34 6932 43 33.27 3729 20 18.65 1160 5 6.61 671 2 5.03 4 5 6244 23 29.97 6213 40 30.44 3403 8 17.70 1064 11 6.28 632 3 5.06 5 6 5439 25 26.11 5574 37 27.31 3089 16 16.37 978 5 6.06 598 3 5.08 6 7 4728 22 23.17 4971 23 24.86 2831 16 15.29 928 4 6.12 570 3 5.19 7 8 4126 19 20.22 4458 23 22.29 2568 12 14.12 899 6 6.29 548 6 5.37 8 9 3654 12 17.90 4016 16 20.48 2364 16 13.47 863 3 6.47 522 6 5.53 9 10 3127 15 15.32 3547 21 18.44 2111 14 12.45 765 10 6.12 458 5 5.27 10 11 2584 15 12.92 2989 10 15.84 1789 16 11.09 643 7 5.47 372 8 4.65 11 12 2192 13 10.96 2588 22 13.98 1550 8 10.23 556 5 5.06 323 3 4.36 12 13 1838 7 9.37 2242 14 12.33 1391 12 9.74 479 4 4.69 275 5 4.02 13 14 1546 7 8.04 1946 11 11.09 1220 7 9.15 410 7 4.35 241 4 3.81 14 15 1284 7 6.81 1692 15 9.98 1063 4 8.50 350 4 4.03 205 5 3.51 15 16 985 3 5.32 1350 9 8.37 858 5 7.29 256 7 3.20 157 3 2.90 16 17 799 3 4.39 1118 8 7.38 714 4 6.50 211 2 2.85 134 2.69 17 18 631 3 3.53 922 5 6.45 590 7 5.78 172 1 2.51 107 2.34 18 19 498 1 2.89 755 7 5.66 479 3 5.08 141 3 2.23 90 2 2.16 19 20 367 7 2.24 554 4 4.43 356 1 4.09 91 1 1.56 66 1.74 20 21 154 1 .99 260 5 2.21 151 1.89 38 .70 28 2 .81 21 22 109 .74 168 2 1.53 95 3 1.28 26 2 .52 12 .39 22 23 75 .55 88 .86 55 1 .80 13 .28 6 .21 23 24 31 .24 35 1 .37 22 .35 4 .10 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 518 4 3.32 223 2.03 105 1.28 73 1.17 30 .62 1 2 408 4 3.59 167 5 2.09 88 1 1.39 57 1 1.16 26 2 .72 2 3 374 7 3.55 149 4 2.06 82 1 1.50 54 2 1.30 22 .71 3 4 347 2 3.61 136 3 2.04 78 1 1.57 48 1.27 20 .71 4 5 336 3 3.80 125 1 2.04 76 2 1.66 47 1.37 20 1 .78 5 6 318 3 3.88 121 1 2.12 74 2 1.78 44 1 1.41 18 2 .77 6 7 304 6 4.01 117 4 2.22 71 3 1.87 42 2 1.49 15 1 .71 7 8 294 4 4.20 112 2 2.31 67 1 1.95 40 1 1.56 13 .67 8 9 285 3 4.39 106 1 2.39 65 2.09 38 2 1.63 12 1 .68 9 10 256 2 4.28 92 5 2.27 60 1 2.12 31 1 1.46 8 .49 10 11 214 3 3.87 70 1 1.90 45 4 1.76 28 1.44 7 2 .47 11 12 179 1 3.51 54 5 1.62 32 3 1.37 24 1 1.36 5 .36 12 13 156 2 3.34 42 1.39 23 1.08 20 1 1.23 5 .39 13 14 128 3.00 34 1 1.24 21 2 1.08 15 2 1.00 3 .25 14 15 115 2 2.96 29 2 1.17 16 .91 11 .80 2 2 .18 15 16 79 2 2.24 17 1 .75 8 1 .49 6 1 .47 16 17 57 1 1.78 8 .39 6 .40 5 .42 17 18 46 1.58 8 .42 5 • . .36 5 1 .46 18 19 32 1.21 5 .29 5 1 .39 4 .40 19 20 24 2 1.00 3 .19 3 1 .25 4 .43 20 21 14 1 .64 1 .07 2 .18 4 3 .47 21 22 8 .40 1 1 .10 1 .13 22 23 6 • . .33 • • 1 .14 23 24 2 .12 •. 24 66 TABLE I (Continued) MEN INFLUENCE OF BUILD ON MORTALITY Height 5 Feet 3 Inches to 5 Feet 6 Inches Inclusive. Weight -10 Pounds Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 2128 9 7.02 1311 1 4.59 1188 2 4.40 898 5 3.68 545 3 2.56 1 2 1535 8 6.91 1000 4 4.60 895 2 4.30 666 7 3.46 427 1 2.73 2 3 1368 9 6.29 920 2 4.32 830 3 4.07 604 3 3.26 393 6 2.71 3 4 1231 7 5.79 843 3 4.05 770 12 3.85 558 3 3.18 358 6 2.69 4 5 1114 5 5.35 801 1 3.92 726 6 3.78 523 6 3.09 337 2 2.70 5 6 1009 5 4.84 767 3 3.76 685 4 3.63 493 4 3.06 322 3 2.74 6 7 942 3 4.62 738 3 3.69 668 5 3.61 471 1 3.11 305 3 2.78 7 8 875 3 4.29 717 1 3.59 649 6 3.57 457 3 3.20 290 2.84 8 9 823 3 4.03 703 6 3.59 631 4 3.60 447 3 3.35 284 1 3.01 9 10 706 4 3.46 626 1 3.26 551 2 3.25 403 4 3.22 252 2 2.90 10 11 579 4 2.90 537 4 2.85 446 3 2.77 337 4 2.86 205 2.56 11 12 499 1 2.50 464 1 2.51 386 2 2.55 294 2 2.68 185 1 2.50 12 13 436 3 2.22 410 3 2.26 344 2 2.41 265 1 2.60 165 2 2.41 13 14 376 1 1.96 350 1 2.00 293 2 2.20 229 1 2.43 136 1 2.15 14 15 301 2 1.60 301 1 1.78 260 1 2.08 201 1 2.31 126 2.15 15 16 223 2 1.20 229 2 1.42 202 1 1.72 152 1.90 90 2 1.67 16 17 178 .98 188 1.24 168 1 1.53 126 1.70 75 1.51 17 18 136 1 .76 151 1.06 136 3 1.33 98 1.43 56 1.23 18 19 107 2 .62 124 1 .93 111 1.18 85 1 1.34 47 1.13 19 20 79 .48 94 1 .75 82 .94 71 1.21 33 .87 20 21 25 .16 38 .32 31 .39 32 .59 14 .41 21 22 16 .11 21 .19 18 .24 22 2 .44 10 .32 22 23 10 .07 13 .13 10 1 .15 11 • . .24 8 .28 23 24 3 .02 3 .03 4 .06 6 .14 5 .20 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 282 3 1.80 141 4 1.28 75 .92 47 1 .75 26 1 .53 1 2 202 2 1.78 113 1.41 63 1 1.00 35 .71 22 1 .61 2 3 191 1 1.81 106 1.46 60 1.10 34 .82 20 .64 3 4 175 2 1.82 101 2 1.52 57 1 1.15 33 .87 19 .67 4 5 165 1.86 94 1.53 54 1.18 32 1 .93 18 .70 5 6 161 4 1.96 88 1 1.54 52 4 1.25 31 1 1.00 18 1 .77 6 7 154 2 2.03 81 2 1.54 46 1 1.21 30 1 1.06 16 1 .75 7 8 149 1 2.13 76 6 1.57 44 1 1.28 28 1.09 15 1 .77 8 9 145 2 2.23 68 1.53 43 1 1.38 27 3 1.16 14 1 .79 9 10 124 2.07 57 2 1.41 35 1 1.24 22 1.04 11 .68 10 11 97 1.76 41 1.12 28 1 1.09 19 1 .98 9 1 .60 11 12 83 1.63 35 2 1.05 23 1 .99 14 1 .79 8 1 .58 12 13 72 2 1.54 29 1 .96 19 3 .89 11 .68 5 1 .39 13 14 61 2 1.43 25 1 .91 13 .67 6 .40 4 2 .34 14 15 53 2 1.36 23 1 .92 11 .62 6 1 .43 o 1 .18 15 16 33 1 .93 17 .75 8 .49 4 1 .31 1 .10 16 17 27 1 .84 13 .63 8 .53 2 .17 1 1 .11 17 18 19 1 .65 12 .64 6 .43 2 .18 18 19 14 1 .53 11 1 .64 4 .31 2 1 .20 19 20 12 2 .50 6 1 .38 3 1 .25 1 .11 20 21 4 1 .18 4 .27 2 .18 1 .12 21 22 1 .05 2 1 .15 2 .20 1 .13 22 23 1 .06 1 .08 1 .11 1 .14 23 24 1 .06 24 67 TABLE I (Continued) MEN INFLUENCE OF BUILD ON MORTALITY Height 5 Feet 3 Inches to 5 Feet 6 Inches Inclusive. Weight -5 Pounds Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Insur- Year to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths Year 1 1166 2 3.85 1506 5 5.27 1239 4 4.58 818 4 3.35 532 2 2.50 1 2 831 3 3.74 1080 4 4.97 917 4 4.40 621 4 3.23 410 3 2.62 2 3 752 7 3.46 985 6 4.63 838 5 4.11 563 2 3.04 384 4 2.65 3 4 692 4 3.25 908 2 4.36 765 1 3.83 517 4 2.95 350 2 2.63 4 5 654 3 3.14 858 3 4.20 724 2 3.76 497 1 2.93 337 5 2.70 5 6 621 3 2.98 819 2 4.01 687 6 3.64 477 2.96 317 6 2.69 6 7 590 1 2.89 792 5 3.96 655 3 3.54 460 4 3.04 299 5 2.72 7 8 573 2.81 771 1 3.86 638 3 3.51 438 2 3.07 288 2 2.82 8 9 565 3 2.77 753 5 3.84 627 4 3.57 428 3 3.21 281 3 2.98 9 10 497 2.44 669 9 3.48 554 5 3.27 388 4 3.10 254 1 2.92 10 11 410 1 2.05 543 1 2.88 451 2 2.80 320 6 2.72 211 2 2.64 11 12 337 1.69 476 2.57 404 2 2.67 278 1 2.53 189 3 2.55 12 13 297 2 1.51 418 3 2.30 342 1 2.39 251 1 2.46 165 1 2.41 13 14 246 1 1.28 364 3 2.07 279 1 2.09 207 2.19 139 2 2.20 14 15 208 2 1.10 314 1 1.85 247 4 1.98 174 2 2.00 122 4 2.09 15 16 163 3 .88 254 1.57 177 1.50 130 1 1.63 79 1.46 16 17 126 1 .69 221 1 1.46 151 1.37 110 2 1.49 68 1 1.37 17 18 91 1 .51 173 2 1.21 117 1.15 78 1.14 49 1.07 18 19 73 .42 135 1.01 92 .98 57 .90 44 1.06 19 20 56 .34 96 1 .77 71 .82 48 .82 31 .82 20 21 24 .15 36 1 .31 32 .40 26 .48 12 .35 21 22 21 .14 25 .23 24 .32 18 .36 10 .32 22 23 16 .12 13 1 .13 14 .20 11 .24 1 .04 23 24 9 .07 5 . . .05 7 .11 6 .14 • • 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 323 1 2.07 137 1.25 59 1 .72 41 1 .66 17 1 .35 1 2 249 6 . 2.19 119 2 1.49 45 1 .71 33 .67 15 .41 2 3 234 4 2.22 109 1.50 42 .77 29 .70 13 .42 3 4 211 2.19 103 2 1.55 39 .78 28 .74 13 1 .46 4 5 198 3 2.24 98 1 1.60 39 1 .85 27 .79 12 .47 5 6 190 1 2.32 94 1.65 35 1 .84 27 .87 12 2 .51 6 7 184 2 2.43 94 2 1.79 33 3 .87 26 .92 10 .47 7 8 176 4 2.52 90 2 1.85 30 2 .87 26 1.01 10 .52 8 9 169 1 2.60 87 2 1.96 27 1 .87 24 1 1.03 10 .57 9 10 144 4 2.40 77 1 1.90 22 2 .78 21 2 .99 8 .49 10 11 120 6 2.17 58 1 1.58 14 4 .55 17 3 .88 6 .40 11 12 98 2 1.92 52 1.56 9 .39 12 .68 2 .14 12 13 87 3 1.86 44 1 1.46 9 .42 11 .68 2 .16 13 14 72 1 1.68 37 1 1.35 7 .36 9 1 .60 2 .17 14 15 60 4 1.54 33 3 1.33 7 .40 8 1 .58 2 .18 15 16 35 • • .99 21 2 .93 4 1 .25 4 1 .31 1 .10 16 17 27 3 .84 18 1 .87 3 1 .20 3 .25 1 .11 17 18 18 1 .62 15 1 .80 2 .14 2 .18 18 19 11 1 .42 13 .76 2 .16 2 .20 19 20 10 1 .42 12 .76 1 .08 2 .22 20 21 4 1 .18 8 2 .55 1 .09 2 .23 21 22 3 .15 6 .44 1 .10 2 .25 22 23 1 .06 5 .40 1 .11 2 .27 23 24 .. • . 2 • . .17 •. 1 .15 24 68 TABLE I (Continued) MEN INFLUENCE OF BUILD ON MORTALITY Height 5 Feet 3 Inches to 5 Feet 6 Inches Inclusive. Average Weight Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Insur- Year to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths Year 1 1216 • . 4.01 1459 5 5.11 1116 9 4.13 768 8 3.15 517 3 2.43 1 2 889 1 4.00 1060 5 4.88 799 3 3.84 568 2 2.95 386 3 2.47 2 3 809 3 3.72 990 9 4.65 744 2 3.65 519 3 2.80 360 2 2.48 3 4 744 3 3.50 910 7 4.37 683 6 3.42 488 4 2.78 329 3 2.47 4 5 696 4 3.34 859 7 4.21 645 3 3.35 450 4 2.66 311 5 2.49 5 6 660 2 3.17 821 2 4.02 620 4 3.29 425 6 2.64 292 2.48 6 7 633 2 3.10 789 6 3.95 602 4 3.25 403 1 2.66 284 1 2.58 7 8 619 3 3.03 764 3 3.82 585 1 3.22 392 5 2.74 278 7 2.72 8 9 610 1 2.99 747 5 3.81 575 6 3.28 383 4 2.87 262 1 2.78 9 10 526 2 2.58 663 4 3.45 518 8 3.06 332 1 2.66 225 3 2.59 10 11 418 1 2.09 537 1 2.85 423 4 2.62 286 5 2.43 186 1 2.33 11 12 356 4 1.78 475 2 2.57 361 2 2.38 246 1 2.24 161 1 2.17 12 13 305 1 1.56 416 1 2.29 307 2.15 222 3 2.18 139 3 2.03 13 14 252 1 1.31 359 2 2.05 260 1 1.95 193 1 2.05 110 2 1.74 14 15 220 3 1.17 300 1 1.77 222 2 1.78 159 1 1.83 97 4 1.66 15 16 169 .91 234 1.45 171 1 1.45 125 2 1.56 66 1.22 16 17 128 .70 195 1.29 136 2 1.24 99 3 1.34 54 1.09 17 18 94 .53 151 2 1.06 103 1 1.01 76 1.11 45 1 .99 18 19 70 .41 112 1 .84 83 .88 61 .96 37 .89 19 20 57 .35 79 .63 62 .71 39 .67 23 1 .61 20 21 21 .13 34 .29 30 1 .38 16 1 .30 8 .23 21 22 12 .08 26 .24 16 .22 10 .20 6 1 .19 22 23 10 .07 16 .16 8 .12 8 .18 3 .11 23 24 7 .05 8 .08 6 .09 4 .10 1 .04 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 244 4 1.56 126 1 1.15 58 1 .71 35 .56 20 .41 1 2 179 2 1.58 102 3 1.28 46 .73 28 .57 17 1 .47 2 3 173 2 1.64 98 4 1.35 • 40 .73 27 1 .65 14 1 .45 3 4 157 2 1.63 90 2 1.35 39 1 .78 23 .61 12 .42 4 5 146 4 1.65 86 1 1.40 34 1 .74 23 .67 12 2 .47 5 6 137 1 1.67 83 3 1.45 32 .77 23 .74 10 .43 6 7 133 2 1.76 77 3 1.46 30 1 .79 23 .81 10 2 .47 7 8 127 1 1.82 74 1.52 29 1 .84 22 .86 8 .41 8 9 125 1 1.93 72 1 1.62 26 .83 22 1 .94 8 .45 9 10 110 1 1.84 63 1 1.56 23 1 .81 19 1 .89 8 1 .49 10 11 89 1.61 53 1 1.44 17 .66 17 .88 3 .20 11 12 69 3 1.35 44 1 1.32 16 .69 14 1 .79 3 1 .22 12 13 59 2 1.26 38 1.26 15 1 .71 11 .68 2 .16 13 14 50 1 1.17 30 1.10 14 .72 11 .73 2 1 .17 14 15 44 3 1.13 26 1 1.05 13 .74 9 1 .65 1 .09 15 16 25 1 .71 17 2 .75 7 .43 6 .47 1 .10 16 17 20 1 .62 12 1 .58 7 .47 6 .51 1 1 .11 17 18 16 1 .55 9 1 .48 7 .51 4 .37 18 19 14 1 .53 7 .41 5 1 .39 4 .40 19 20 9 1 .38 5 .32 4 .34 4 .43 20 21 3 .14 4 1 .27 4 .37 3 .35 21 22 1 .05 3 1 .22 3 1 .30 3 .38 22 23 1 .06 2 .16 2 1 .22 2 .27 23 24 . . 24 69 TABLE I (Continued) MEN INFLUENCE OF BUILD ON MORTALITY Height 5 Feet 3 Inches to 5 Feet 6 Inches Inclusive. Weight +5 Pounds Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 885 1 2.92 1070 2 3.75 959 2 3.55 623 3 2.55 420 4 1.97 1 2 570 2 2.57 755 1 3.47 708 3 3.40 467 4 2.43 304 1 1.95 2 3 512 2 2.36 692 1 3.25 654 1 3.20 433 2 2.34 290 2.00 3 4 454 2.13 639 1 3.07 598 1 2.99 396 6 2.26 273 3 2.05 4 5 429 1 2.06 614 3 3.01 572 2 2.97 366 3 2.16 251 2.01 5 6 410 1 1.97 587 2 2.88 544 4 2.88 349 5 2.16 246 2 2.09 6 7 395 4 1.94 565 1 2.83 520 6 2.81 334 2.20 240 2 2.18 7 8 378 4 1.85 553 2 2.77 504 4 2.77 326 3 2.28 234 1 2.29 8 9 369 1 1.81 541 2 2.76 486 3 2.77 311 1 2.33 229 2 2.43 9 10 329 1.61 479 2.49 437 2 2.58 282 3 2.26 205 2 2.36 10 11 258 1 1.29 414 2 2.19 362 4 2.24 234 5 1.99 178 3 2.23 11 12 221 1 1.11 359 2 1.94 314 2 2.07 189 1 1.72 143 5 1.93 12 13 189 1 .96 312 2 1.72 270 1.89 164 2 1.61 128 1 1.87 13 14 160 1 .83 264 2 1.50 230 2 1.73 138 2 1.46 107 2 1.69 14 15 133 .70 230 3 1.36 199 4 1.59 119 2 1.37 90 2 1.54 15 16 107 2 .58 183 2 1.13 151 1.28 92 3 1.15 59 1.09 16 17 81 .45 138 .91 117 2 1.06 70 1 .95 48 .96 17 18 65 1 .36 112 1 .78 83 1 .81 56 1 .82 42 1 .92 18 19 46 .27 85 1 .64 68 .72 41 2 .65 33 .79 19 20 31 .19 67 .54 48 2 .55 26 .44 22 1 .58 20 21 10 .06 29 .25 20 .25 12 .22 8 .23 21 22 7 .05 19 • . .17 16 2 .22 7 .14 8 .26 22 23 4 .03 10 1 .10 8 1 .12 6 1 .13 6 .21 23 24 1 .01 3 .03 5 .08 2 .05 2 .08 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 216 2 1.38 116 2 1.06 58 .71 34 3 .54 20 .41 1 2 169 1.49 96 2 1.20 46 3 .73 29 .59 18 .50 2 3 159 3 1.51 85 4 1.17 41 1 .75 26 .62 18 .58 3 4 148 2 1.54 75 4 1.13 39 1 .78 25 1 .66 18 .64 4 5 142 1 1.60 68 2 1.11 37 1 .81 22 1 .64 18 .70 5 6 137 2 1.67 63 1 1.10 35 1 .84 19 1 .61 18 .77 6 7 132 1 1.74 62 1 1.18 32 1 .84 18 .64 18 .85 7 8 125 3 1.79 58 3 1.19 31 1 .90 18 2 .70 18 2 .93 8 9 121 1 1.86 55 3 1.24 30 .96 15 .64 15 .85 9 10 105 1 1.75 44 1.09 23 1 .81 14 .66 15 .93 10 11 82 1.48 33 .90 19 .74 9 .46 11 1 .73 11 12 68 2 1.33 27 .81 15 1 .64 7 1 .40 5 .36 12 13 60 1 1.28 22 1 .73 11 .52 5 .31 5 .39 13 14 52 2 1.22 17 .62 9 .46 5 .33 4 1 .34 14 15 39 1 1.00 14 1 .56 7 .40 4 .29 3 .28 15 16 34 .96 10 .44 6 2 .37 4 .31 2 1 .20 16 17 26 .81 7 .34 3 .20 2 1 .17 1 .11 17 18 21 .72 6 • . .32 3 .22 1 1 .09 1 .12 18 19 19 .72 4 .23 2 .16 1 .13 19 20 16 .67 3 .19 1 .08 . - 20 21 9 .41 2 .14 1 .09 21 22 6 2 .30 1 1 .07 1 .10 22 23 2 • . .11 1 .11 23 24 1 • • .06 • • •. . • • • • • 24 70 TABLE I (Continued) MEN Height 5 Feet 3 Inches to 5 Feet 6 Inches Inclusive. Weight 4-10 Pounds INFLUENCE OF BUILD ON MORTALITY Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 638 2 2.11 848 3 2.97 702 1 2.60 508 1 2.08 372 1 1.75 1 2 423 2 1.90 606 6 2.79 527 2 2.53 396 2 2.06 304 3 1.95 2 3 389 1 1.79 551 2.59 480 2 2.35 368 1 1.99 287 3 1.98 3 4 336 1 1.58 493 2 2.37 440 1 2.20 339 1 1.93 259 4 1.94 4 5 320 3 1.54 460 1 2.25 418 3 2.17 329 1.94 246 1 1.97 5 6 306 1 1.47 444 2 2.18 404 2 2.14 315 4 1.95 231 3 1.96 6 7 293 1 1.44 428 1 2.14 385 2.08 302 2 1.99 222 1 2.02 7 8 282 2 1.38 415 1 2.08 379 3 2.08 292 2 2.04 219 1 2.15 8 9 273 1.34 406 2.07 367 2 2.09 288 3 2.16 212 2 2.25 9 10 237 1 1.16 367 2 1.91 319 2 1.88 255 3 2.04 180 1 2.07 10 11 177 .89 302 1 1.60 261 1 1.62 207 2 1.76 144 5 1.80 11 12 156 .78 254 1 1.37 226 1 1.49 182 2 1.66 123 2 1.66 12 13 135 2 .69 225 2 1.24 195 1.37 152 1 1.49 111 3 1.62 13 14 115 1 .60 195 1 1.11 167 2 1.25 127 1.35 99 1 1.56 14 15 96 .51 166 1 .98 143 1 1.14 109 2 1.25 88 2 1.50 15 16 69 .37 129 1 .80 112 1 .95 81 1 1.01 64 1 1.18 16 17 49 .27 100 .66 92 1 .84 65 .88 55 3 1.11 17 18 38 .21 77 .54 76 .74 58 1 .85 41 .90 18 19 27 .16 58 1 .44 61 .65 51 .81 32 1 .77 19 20 19 .12 48 .38 46 .53 33 1 .56 26 1 .69 20 21 5 .03 20 .17 16 .20 14 .26 12 .35 21 22 4 .03 12 • . .11 11 .15 9 1 .18 8 .26 22 23 4 .03 8 .08 9 .13 7 .15 5 .18 23 24 2 .02 3 .03 3 .05 1 1 .04 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 207 2 1.32 101 1 .92 44 .54 19 3 .30 9 .18 1 2 161 3 1.42 79 2 .99 36 1 .57 12 .24 8 .22 2 3 147 1.40 75 1 1.04 33 .60 11 .26 6 .19 3 4 138 1 1.44 73 2 1.10 30 .60 11 1 .29 6 .21 4 5 130 2 1.47 68 3 1.11 30 .66 10 .29 6 .23 5 6 118 4 1.44 63 1 1.10 30 .72 10 .32 6 .26 6 7 113 2 1.49 60 1 1.14 30 .79 10 .35 6 1 .28 7 8 107 1 1.53 58 1 1.19 29 1 .84 10 1 .39 5 1 .26 8 9 106 2 1.63 55 2 1.24 27 .87 9 .39 4 .23 9 10 95 2 1.59 43 1 1.06 25 .89 8 .38 3 .19 10 11 74 5 1.34 29 1 .79 14 1 .55 4 .21 2 .13 11 12 61 4 1.20 24 .72 9 .39 3 .17 2 .14 12 13 47 1.01 21 .70 7 .33 3 .19 2 .16 13 14 32 .75 17 1 .62 7 1 .36 2 2 .13 1 1 .08 14 15 31 1 .80 13 1 .52 6 .34 15 16 20 2 .57 8 .35 3 .19 16 17 12 .37 6 .29 3 .20 17 18 9 .31 4 .21 3 .22 18 19 7 1 .27 4 .23 2 1 .16 19 20 4 . - .17 4 .25 20 21 1 .05 3 .21 21 22 1 .05 3 .22 22 23 1 - - .06 2 1 .16 23 24 1 1 .06 . . • . 24 71 TABLE I (Continued) MEN INFLUENCE OF BUILD ON MORTALITY Height 5 Feet 3 Inches to 5 Feet 6 Inches Inclusive. Weight 4-15 to 4-20 Pounds Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Insur- a iicc. Year to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths Year 1 627 2 2.07 891 10 3.12 893 3.30 790 5 3.24 592 2.78 1 2 410 1 1.85 654 2 3.01 676 3 3.24 637 3 3.31 466 3 2.98 2 3 372 2 1.71 597 3 2.81 632 2 3.10 592 1 3.20 435 1 3.00 3 4 329 2 1.55 541 2.60 599 2 3.00 551 2 3.14 407 1 3.05 4 5 312 1.50 515 3 2.52 568 2 2.95 518 3 3.06 389 2 3.11 5 6 300 1 1.44 480 • . 2.35 550 2 2.92 503 3 3.12 372 3 3.16 6 7 292 2 1.43 465 2 2.33 528 3 2.85 485 6 3.20 355 4 3.23 7 8 281 1 1.38 451 3 2.26 511 3 2.81 473 1 3.31 346 7 3.39 8 9 276 1.35 440 1 2.24 494 2.82 464 5 3.48 332 3 3.52 9 10 239 1 1.17 391 2 2.03 444 2.62 406 3 3.25 292 3 3.36 10 11 190 1 .95 330 1 1.75 362 3 2.24 340 2 2.89 223 2 2.79 11 12 163 .82 291 2 1.57 319 1 2.11 303 2 2.76 192 4 2.59 12 13 135 2 .69 244 1 1.34 277 1.94 261 4 2.56 157 4 2.29 13 14 110 .57 213 1 1.21 221 3 1.66 206 4 2.18 132 3 2.09 14 15 95 1 .50 172 1 1.01 183 2 1.46 164 1 1.89 108 1.85 15 16 73 .39 121 .75 135 1 1.15 119 2 1.49 83 2 1.54 16 17 64 .35 96 .63 112 2 1.02 96 1 1.30 70 3 1.41 17 18 47 .26 76 .53 89 1 .87 76 1.11 54 2 1.18 18 19 34 .20 60 .45 71 2 .75 56 1 .88 48 2 1.15 19 20 22 .13 49 .39 44 .51 41 2 .70 33 3 .87 20 21 11 .07 22 1 .19 14 .18 15 .28 13 1 .38 21 22 6 .04 9 .08 12 .16 10 1 .20 7 .22 22 23 4 .03 6 .06 5 .07 8 1 .18 3 .11 23 24 2 • • .02 3 .03 2 .03 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 295 1 1.89 149 1 1.36 91 3 1.11 51 1 .82 21 .43 1 2 241 1 2.12 119 • . 1.49 73 1 1.15 40 1 .82 17 .47 2 3 222 2 2.11 111 1 1.53 68 2 1.24 38 • . .91 16 2 .51 3 4 208 . • 2.16 103 1 1.55 61 1.23 38 2 1.00 14 1 .50 4 5 198 4 2.24 95 1 1.55 61 1.34 35 5 1.02 11 1 .43 5 6 186 1 2.27 91 1 1.59 58 3 1.39 28 2 .90 10 • . .43 6 7 180 3 2.38 88 6 1.67 55 3 1.45 24 2 .85 9 1 .42 7 8 176 2 2.52 82 3 1.69 52 3 1.51 22 .86 7 1 .36 8 9 173 2 2.66 78 2 1.76 49 5 1.57 21 2 .90 5 .28 9 10 151 2 2.52 69 3 1.70 40 1.42 17 1 .80 5 .31 10 11 120 6 2.17 51 2 1.39 32 1 1.25 12 2 .62 5 .33 11 12 100 1.96 40 1.20 23 1 .99 8 .45 5 1 .36 12 13 86 1.84 35 3 1.16 17 1 .80 6 .37 4 .31 13 14 76 4 1.78 27 .99 15 3 .77 4 .27 3 .25 14 15 59 3 1.52 21 3 .84 11 1 .62 4 .29 3 .28 15 16 37 1 1.05 10 .44 8 .49 2 .16 1 .10 16 17 27 3 .84 9 .44 8 2 .53 2 1 .17 1 .11 17 18 19 1 .65 5 .27 6 .43 1 .09 1 .12 18 19 13 1 .49 5 .29 3 1 .23 1 .10 1 .13 19 20 7 .29 4 .25 2 .17 1 .11 1 1 .14 20 21 4 .18 3 1 .21 1 .09 1 .12 - . 21 22 3 . .15 1 • . .07 1 • . .10 - . 22 23 1 .06 1 • • .08 23 24 1 .06 • . . . . . • • 24 72 TABLE I (Continued) MEN INFLUENCE OF BUILD ON MORTALITY Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 190 .63 412 2 1.44 483 1.79 403 1.65 364 1 1.71 1 2 122 1 .55 306 1 1.41 371 1.78 310 1 1.61 282 2 1.80 2 3 112 1 .52 281 3 1.32 343 3 1.68 292 1.58 266 2 1.84 3 4 99 .47 260 3 1.25 316 2 1.58 269 2 1.53 243 1 1.82 4 5 93 2 .45 245 1.20 299 2 1.55 252 3 1.49 230 3 1.84 5 6 89 2 .43 240 2 1.18 280 2 1.48 236 1 1.46 218 1 1.85 6 7 84 .41 233 1 1.17 267 2 1.44 232 1 1.53 211 1.92 7 8 83 .41 226 1 1.13 255 2 1.40 219 1.53 206 2 2.02 8 9 76 .37 219 1 1.12 247 1 1.41 211 1.58 202 3 2.14 9 10 65 .32 197 4 1.02 222 1.31 185 1 1.48 179 1 2.06 10 11 56 .28 158 .84 183 1.13 147 2 1.25 150 2 1.88 11 12 46 .23 143 2 .77 158 3 1.04 122 1 1.11 125 3 1.69 12 13 38 .19 118 .65 140 .98 110 2 1.08 109 2 1.59 13 14 34 .18 100 .57 120 1 .90 93 4 .99 87 2 1.37 14 15 31 .16 86 .51 98 1 .78 77 .89 75 1 1.28 15 16 22 .12 69 .43 75 2 .64 59 1 .74 59 1 1.09 16 17 17 .09 51 2 .34 63 1 .57 43 .58 44 2 .88 17 18 14 .08 42 .29 50 3 .49 32 2 .47 36 .79 18 19 11 .06 36 .27 36 .38 25 1 .40 27 1 .65 19 20 10 .06 30 1 .24 27 1 .31 18 1 .31 23 .61 20 21 1 .01 12 .10 15 .19 8 .15 11 .32 21 22 • . 9 .08 12 .16 6 .12 6 .19 22 23 • • 6 .06 8 1 .12 4 .09 6 .21 23 24 . . 3 .03 3 .05 2 .05 2 1 .08 24 Height 5 Feet 3 Inches to 5 Feet 6 Inches Inclusive. Weight 4-25 to 4-30 Pounds Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Insur- Year to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths Year 1 1070 5 6.85 585 7 5.32 288 4 3.51 161 4 2.58 71 1 1.46 1 2 840 6 7.39 462 6 5.78 226 4 3.57 128 5 2.61 58 4 1.60 2 3 751 12 7.13 419 4 5.78 206 4 3.77 114 2.74 49 1.57 3 4 665 10 6.92 375 6 5.63 192 5 3.86 101 2.67 46 2 1.63 4 5 590 7 6.67 344 5 5.61 173 6 3.79 90 2 2.62 43 1 1.68 5 6 529 6 6.45 303 10 5.30 156 5 3.74 82 2 2.63 39 2 1.67 6 7 477 7 6.30 269 4 5.11 142 1 3.75 76 4 2.69 35 2 1.65 7 8 411 3 5.88 235 8 4.84 126 2 3.67 69 3 2.69 31 2 1.60 8 9 369 6 5.68 205 1 4.61 113 6 3.63 64 3 2.75 23 1 1.30 9 10 323 5 5.39 179 6 4.42 101 3 3.58 53 2 2.50 21 1.30 10 11 261 8 4.72 137 4 3.73 77 2 3.00 39 1 2.01 14 2 .94 11 12 217 3 4.25 110 3 3.30 51 5 2.19 25 1.42 8 1 .58 12 13 195 3 4.17 90 3 2.98 39 5 1.84 23 1 1.42 6 .47 13 14 168 4 3.93 74 1 2.70 30 3 1.55 21 1.40 5 .42 14 15 152 2 3.91 65 4 2.61 26 3 1.47 14 1 1.01 5 .46 15 16 105 6 2.97 41 2 1.81 13 2 .80 10 1 .78 4 1 .40 16 17 92 3 2.87 30 1 1.46 11 .73 8 .68 3 .32 17 18 65 6 2.24 26 2 1.38 7 .51 5 .46 2 .23 18 19 49 3 1.86 23 1.34 6 .47 4 1 .40 2 .25 19 20 41 3 1.71 19 3 1.20 4 .34 3 1 .32 2 .27 20 21 16 2 .73 6 .41 2 • . .18 2 2 .23 1 .15 21 22 11 .55 2 • . .15 2 1 .20 1 .16 22 23 8 • . .44 2 • . .16 • . • . • . 1 .17 23 24 1 1 .06 • • • • • • • • 24 73 TABLE I (Continued) MEN INFLUENCE OF BUILD ON MORTALITY Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 270 .89 1312 2 4.59 2804 6 10.37 4016 14 16.47 3591 26 16.88 1 2 192 1 .86 926 1 4.26 2136 4 10.25 3070 13 15.96 2727 10 17.45 2 3 170 2 .78 805 1 3.78 1900 4 9.31 2730 21 14.74 2447 15 16.88 3 4 148 1 .70 697 3 3.35 1687 3 8.44 2411 21 13.74 2150 17 16.13 4 5 134 1 .64 626 3 3.07 1524 6 7.92 2178 11 12.85 1932 19 15.46 5 6 118 1 .57 559 2 2.74 1346 7 7.13 1915 14 11.87 1718 14 14.60 6 7 109 .53 517 1 2.59 1212 10 6.54 1721 17 11.36 1556 24 14.16 7 8 100 .49 459 3 2.30 1064 9 5.85 1517 11 10.62 1354 15 13.27 8 9 93 .46 421 3 2.15 978 13 5.57 1371 11 10.28 1214 23 12.87 9 10 85 .42 356 3 1.85 851 6 5.02 1200 9 9.60 1039 17 11.95 10 11 71 1 .36 297 2 1.57 704 7 4.36 1012 17 8.60 855 12 10.69 11 12 58 .29 237 1.28 590 4 3.89 841 12 7.65 691 19 9.33 12 13 49 .25 208 1 1.14 503 3 3.52 728 11 7.13 580 10 8.47 13 14 43 1 .22 178 4 1.01 431 7 3.23 613 14 6.50 481 17 7.60 14 15 31 .16 151 .89 364 8 2.91 522 12 6.00 416 9 7.11 15 16 22 .12 117 1 .73 274 5 2.33 366 7 4.58 282 11 5.22 16 17 20 .11 102 .67 221 2 2.01 305 5 4.12 237 8 4.76 17 18 16 1 .09 78 1 .55 169 5 1.66 227 9 3.31 183 5 4.01 18 19 10 1 .06 61 1 .46 135 4 1.43 183 4 2.89 141 6 3.38 19 20 7 .04 39 .31 82 3 .94 141 3 2.41 105 8 2.77 20 21 1 .01 16 1 .14 26 2 .33 61 4 1.13 53 4 1.54 21 22 1 .01 11 1 .10 12 .16 31 2 .62 35 2 1.12 22 23 1 .01 5 .05 7 .10 18 2 .39 16 2 .57 23 24 1 .01 1 .01 4 .06 3 .07 6 1 .23 24 Height 5 Feet 3 Inches to 5 Feet 6 Inches Inclusive. Weight +35 to +45 Pounds Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Insur- Year to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths Year 1 2029 4 12.99 1062 8 9.66 509 5 6.21 322 1 5.15 152 6 3.12 1 2 1595 8 14.04 849 18 10.61 419 5 6.62 268 7 5.47 122 2 3.36 2 3 1405 14 13.35 770 11 10.63 384 2 7.03 232 5 5.57 116 5 3.72 3 4 1219 22 12.68 669 10 10.04 332 4 6.67 200 11 5.28 101 6 3.58 4 5 1086 12 12.27 599 9 9.76 289 2 6.33 171 9 4.98 84 3 3.28 5 6 960 22 11.71 517 15 9.05 261 7 6.26 128 5 4.11 74 6 3.17 6 7 863 10 11.39 464 16 8.82 231 5 6.10 111 4 3.93 63 1 2.97 7 8 759 9 10.85 381 16 7.85 198 8 5.76 91 2 3.55 61 1 3.15 8 9 668 17 10.29 323 15 7.27 174 7 5.59 81 1 3.47 54 2 3.06 9 10 576 14 9.62 257 5 6.35 144 10 5.10 68 2 3.20 49 5 3.02 10 11 484 27 8.76 202 8 5.49 105 3 4.10 53 6 2.73 33 3 2.20 11 12 371 8 7.27 165 10 4.95 91 8 3.90 42 2 2.38 25 2 1.81 12 13 302 19 6.46 132 9 4.37 70 5 3.30 34 3 2.10 16 1 1.25 13 14 236 9 5.52 96 7 3.50 57 4 2.94 26 1 1.74 14 2 1.19 14 15 198 9 5.09 81 4 3.26 47 6 2.66 21 2 1.52 10 .92 15 16 129 5 3.65 38 1 1.68 26 1 1.60 6 .47 5 2 .50 16 17 113 9 3.53 33 3 1.60 21 1 1.40 6 .51 3 1 .32 17 18 75 7 2.58 20 1.06 17 1.23 4 1 .37 2 1 .23 18 19 59 4 2.24 17 2 .99 11 1 .86 2 .20 1 1 .13 19 20 43 1 1.79 9 .57 10 2 .85 2 .22 20 21 23 1.05 6 .41 5 1 .46 2 .23 21 22 17 .86 5 .37 1 .10 2 .25 22 23 13 .72 4 2 .32 2 .27 23 24 5 2 .30 . • . . • • • • 2 1 .30 24 74 TABLE I (Continued) MEN INFLUENCE OF BUILD ON MORTALITY Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Insur- Year to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths Year 1 395 1 1.30 1066 6 3.73 1379 3 5.10 1135 4 4.65 991 5 4.66 1 2 267 1.20 749 2 3.45 1045 4 5.02 842 4 4.38 774 6 4.95 2 3 231 3 1.06 668 3.14 944 3 4.63 754 4 4.07 694 4 4.79 3 4 192 .90 578 1 2.77 825 6 4.13 639 10 3.64 621 6 4.66 4 5 171 1 .82 521 4 2.55 741 3 3.85 564 2 3.33 571 9 4.57 5 6 147 .71 466 3 2.28 664 11 3.52 494 4 3.06 516 6 4.39 6 7 129 .63 409 2 2.05 599 4 3.23 449 3 2.96 461 5 4.20 7 8 105 1 .51 364 3 1.82 518 9 2.85 392 1 2.74 409 7 4.01 8 9 98 2 .48 329 1.68 468 5 2.67 357 7 2.68 377 12 4.00 9 10 73 .36 284 1.48 408 3 2.41 298 7 2.38 335 14 3.85 10 11 59 .30 229 4 1.21 345 4 2.14 249 3 2.12 268 8 3.35 11 12 47 .24 190 1 1.03 289 3 1.91 211 4 1.92 227 2 3.06 12 13 35 .18 160 2 .88 251 5 1.76 175 2 1.72 185 3 2.70 13 14 28 .15 132 1 .75 204 2 1.53 149 3 1.58 159 2 2.51 14 15 22 .12 115 1 .68 172 2 1.38 129 6 1.48 133 6 2.27 15 16 15 .08 87 1 .54 128 3 1.09 75 2 .94 94 1.74 16 17 11 .06 73 .48 105 2 .96 64 3 .86 82 8 1.65 17 18 7 .04 53 .37 85 3 .83 47 3 .69 58 1 1.27 18 19 7 .04 43 .32 68 .72 32 1 .51 52 3 1.25 19 20 6 .04 31 2 .25 49 1 .56 23 .39 38 2 1.00 20 21 1 .01 12 .10 25 .31 12 1 .22 18 1 .52 21 22 • . 4 • . .04 13 2 .18 7 1 .14 12 2 .39 22 23 2 .02 7 .10 4 .09 6 3 .21 23 24 2 1 .05 1 .04 24 Height 5 Feet 3 Inches to 5 Feet 6 Inches Inclusive. Weight 4-50 to 4-60 Pounds Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 403 1 2.58 229 4 2.08 111 1 1.35 55 1 .88 32 • . .66 1 2 326 2 2.87 186 2.33 94 1 1.49 46 .94 26 .72 2 3 298 1 2.83 169 2 2.33 85 2 1.56 42 1.01 25 2 .80 3 4 271 5 2.82 153 2.30 75 1 1.51 39 2 1.03 22 .78 4 5 247 4 2.79 148 4 2.41 73 5 1.60 35 2 1.02 22 .86 5 6 215 7 2.62 121 4 2.12 63 3 1.51 29 .93 21 .90 6 7 193 3 2.55 114 3 2.17 53 1.40 26 .92 20 1 .94 7 8 164 4 2.35 100 2 2.06 51 3 1.48 23 1 .90 18 2 .93 8 9 153 4 2.36 89 9 2.00 39 6 1.25 20 .86 16 • . .91 9 10 137 4 2.29 72 5 1.78 25 3 .89 18 4 .85 16 1 .99 10 11 114 1 2.06 51 3 1.39 17 .66 9 1 .46 11 .73 11 12 100 5 1.96 40 2 1.20 15 .64 6 .34 9 1 .65 12 13 82 1 1.75 32 1 1.06 12 2 .57 4 .25 8 .63 13 14 61 2 1.43 25 3 .91 9 .46 3 1 .20 4 .34 14 15 50 2 1.29 22 3 .88 9 .51 2 1 .14 4 2 .37 15 16 27 1 .76 12 1 .53 3 1 .19 1 1 .08 16 17 19 1 .59 8 1 .39 2 1 .13 17 18 16 3 .55 7 .37 1 .07 18 19 13 2 .49 4 1 .23 19 20 7 .29 3 2 .19 20 21 2 .09 1 - . .07 21 22 1 .05 1 .07 22 23 - - - - - - - . - - 23 24 • • 24 75 TABLE I (Continued) MEN INFLUENCE OF BUILD ON MORTALITY Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 64 .21 173 .61 259 1 .96 177 1 .73 179 3 .84 1 2 45 .20 130 .60 193 1 .93 144 1 .75 143 1 .92 2 3 37 .17 118 .55 174 .85 129 .70 136 4 .94 3 4 29 1 .14 106 .51 149 1 .75 120 2 .68 119 1 .89 4 5 27 .13 93 .46 135 .70 109 2 .64 113 1 .90 5 6 26 .12 88 1 .43 125 1 .66 93 2 .58 106 3 .90 6 7 22 .11 79 .40 112 1 .60 83 1 .55 94 1 .86 7 8 21 .10 77 .39 95 .52 78 .55 85 2 .83 8 9 18 .09 71 .36 87 1 .50 75 2 .56 77 3 .82 9 10 13 .06 64 .33 77 2 . .45 62 1 .50 67 1 .77 10 11 12 .06 55 1 .29 63 .39 54 .46 54 3 .68 11 12 12 .06 45 1 .24 56 1 .37 48 3 .44 42 2 .57 12 13 11 .06 37 1 .20 46 1 .32 39 .38 36 3 .53 13 14 10 .05 30 .17 38 1 .29 30 .32 31 3 .49 14 15 8 .04 25 .15 35 .28 25 1 .29 25 1 .43 15 16 6 .03 18 .11 28 1 .24 17 .21 12 .22 16 17 6 .03 15 .10 23 1 .21 14 .19 10 .20 17 18 6 .03 9 H .06 15 1 .15 13 .19 8 .18 18 19 4 1 .02 9 .07 11 .12 11 .17 7 1 .17 19 20 2 .01 7 .06 8 .09 8 .14 3 .08 20 21 2 .02 1 .01 3 .06 2 .06 21 22 1 • • .01 1 .02 2 .06 22 23 • . • • . 1 .01 1 .02 1 1 .04 23 24 • • • • 1 .02 24 Height 5 Feet 3 Inches to 5 Feet 6 Inches Inclusive. Weight 4-65 to 4-80 Pounds Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 92 1 .59 49 1 .45 19 .23 11 2 .18 5 .10 1 2 69 1 .61 42 1 .53 17 .27 7 .14 5 .14 2 3 65 .62 35 2 .48 15 .27 6 .14 5 2 .16 3 4 56 .58 31 1 .47 13 .26 4 .11 3 1 .11 4 5 54 1 .61 30 2 .49 13 .28 4 .12 2 .08 5 6 48 .59 26 2 .46 11 .26 4 1 .13 2 .09 6 7 46 2 .61 23 .44 10 .26 3 .11 2 .09 7 8 42 1 .60 21 1 .43 10 .29 3 .12 1 .05 8 9 36 • . .55 17 1 .38 10 1 .32 3 .13 1 1 .06 9 10 28 2 .47 13 * .32 9 .32 3 .14 10 11 24 1 .43 10 .27 8 .31 3 .15 11 12 19 .37 9 1 .27 8 .34 2 .11 12 13 17 .36 8 .26 7 .33 1 1 .06 13 14 16 1 .37 6 .22 7 .36 14 15 11 .28 5 .20 7 .40 15 16 5 2 .14 1 .04 2 1 .12 16 17 3 1 .09 1 1 .05 1 .07 17 18 2 .07 ■ 1 .07 18 19 2 .08 1 1 .08 19 20 2 .08 20 21 2 .09 • • 21 22 1 .05 22 23 1 1 .06 23 24 * • 24 76 TABLE I (Continued) MEN INFLUENCE OF BUILD ON MORTALITY Height 5 Feet 3 Inches to 5 Feet 6 Inches Inclusive. Weight -f-85 and more Pounds Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 12 1 .04 26 .09 39 .14 27 .11 27 .13 1 2 9 .04 21 .10 31 .15 22 .11 19 .12 2 3 9 .04 20 .09 28 1 .14 20 .11 19 .13 3 4 8 1 .04 19 .09 23 .12 16 .09 17 .13 4 5 7 .03 17 .08 22 1 .11 16 .09 15 1 .12 5 6 7 .03 16 .08 20 .11 16 1 .10 14 .12 6 7 6 .03 13 .07 20 .11 14 .09 13 1 .12 7 8 5 .02 13 .07 19 .10 12 .08 10 .10 8 9 4 .02 11 .06 17 .10 10 .08 8 1 .08 9 10 4 .02 9 .05 16 .09 9 1 .07 7 .08 10 11 4 .02 7 .04 13 .08 7 .06 6 .08 11 12 4 .02 6 .03 9 .06 5 .05 4 .05 12 13 3 .02 3 .02 9 .06 4 .04 4 .06 13 14 3 .02 2 .01 8 .06 3 .03 1 .02 14 15 2 .01 2 .01 8 .06 3 .03 1 .02 15 16 1 .01 2 .01 6 .05 3 1 .04 1 .02 16 17 1 .01 2 .01 5 .05 2 1 .03 1 .02 17 18 1 .01 3 .03 1 .01 18 19 2 .02 1 .02 19 20 1 .01 1 .02 20 21 1 .01 1 1 .02 21 22 1 .01 22 23 1 .01 23 24 • . 1 .02 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 13 1 .08 7 .06 2 .02 1 2 12 .11 6 .08 2 1 .03 2 3 10 .10 6 .08 1 .02 3 4 8 .08 6 .09 1 .02 4 5 8 1 .09 4 .07 1 .02 5 6 7 .09 3 .05 1 .02 6 7 7 .09 3 .06 1 .03 7 8 5 .07 3 .06 1 .03 8 9 5 .08 2 1 .05 1 .03 9 10 5 .08 1 .02 1 .04 10 11 4 .07 11 12 4 .08 12 13 3 .06 13 14 3 1 .07 14 15 2 .05 15 16 16 17 17 18 18 19 19 20 20 21 21 22 22 23 23 24 24 77 TABLE I (Continued) MEN INFLUENCE OF BUILD ON MORTALITY Height 5 Feet 7 Inches to 5 Feet 10 Inches Inclusive. Weight -50 and more Pounds Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 11 .04 19 .07 39 .14 43 .18 111 1 .52 1 2 7 .03 13 .06 25 .12 30 .16 87 .55 2 3 7 .03 12 .06 23 .11 28 .15 77 .53 3 4 6 .03 10 .05 21 .11 26 .15 72 1 .55 4 5 5 .02 9 .04 20 .10 25 1 .15 65 1 .52 5 6 5 .02 5 .02 17 .09 21 .13 56 .48 6 7 4 .02 4 .02 16 .09 20 .14 51 .47 7 8 4 .02 4 .02 15 .08 17 .12 46 1 .45 8 9 3 .01 4 .02 15 .09 14 .11 43 2 .46 9 10 3 .01 3 .02 11 .06 14 .11 40 .46 10 11 2 .01 2 1 .01 7 .04 11 .09 37 1 .46 11 12 1 .01 1 .01 5 .03 10 .09 33 3 .44 12 13 1 .01 5 .04 8 .08 22 .32 13 14 1 .01 4 .03 8 .08 20 2 .32 14 15 2 .02 8 .09 14 .24 15 16 1 .01 7 .09 12 .22 16 17 1 .01 7 .09 8 1 .16 17 18 1 .01 3 .04 6 .13 18 19 1 .01 3 .05 5 .12 19 20 1 .01 3 .05 3 .08 20 21 • • • • 2 .04 2 .06 21 22 2 .04 1 .03 22 23 • • 1 .02 1 .04 23 24 • • • • • • 1 .02 1 .04 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 57 2 .36 57 • • .52 75 .92 42 .68 18 .37 1 2 43 .38 40 .50 63 1 1.00 33 1 .67 13 .36 2 3 38 .36 33 1 .45 57 1 1.04 28 2 .67 11 .35 3 4 33 1 .34 29 .44 51 1.03 24 .64 11 .39 4 5 28 2 .32 28 .46 49 3 1.07 21 1 .61 8 .31 5 6 24 .29 27 1 .48 45 4 1.08 18 . - .58 7 .30 6 7 22 .29 25 1 .48 38 2 1.00 16 .57 6 .28 7 8 21 .30 22 1 .45 31 .90 15 .59 6 .31 8 9 19 .30 19 2 .43 29 .93 15 1 .64 6 .34 9 10 18 1 .30 16 1 .39 28 .99 14 .66 6 .37 10 11 14 .25 11 .30 24 .94 13 2 .67 4 .27 11 12 14 1 .27 10 .30 19 2 .82 9 1 .51 4 .29 12 13 12 • • .26 8 .26 13 2 .61 8 1 .49 4 1 .31 13 14 12 1 .28 8 .29 11 2 .57 6 .40 3 .25 14 15 11 .28 7 .28 9 • . .51 5 .36 3 .28 15 16 4 .11 7 .31 6 1 .37 3 .24 2 .20 16 17 4 .12 6 1 .29 4 1 .27 2 .17 1 .11 17 18 4 .14 5 .27 3 .22 2 .18 1 .12 18 19 2 .08 5 .29 3 .23 2 .20 19 20 1 • • .04 5 .32 2 .17 2 .22 20 21 1 • • .05 3 .21 2 .18 2 .23 21 22 •. • . • . 1 .07 1 .10 2 .25 22 23 • • • • 1 .08 1 .11 23 24 • • 1 .09 24 78 TABLE I (Continued) MEN Height 5 Feet 7 Inches to 5 Feet 10 Inches Inclusive. Weight -35 to -45 Pounds INFLUENCE OF BUILD ON MORTALITY Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 435 1.44 2129 10 7.45 4140 12 15.32 3693 11 15.14 7172 31 33.71 1 2 347 1 1.56 1659 5 7.63 3345 16 16.06 2976 15 15.48 5579 40 35.71 2 3 301 1 1.38 1441 11 6.77 2960 16 14.50 2660 12 14.36 4993 27 34.45 3 4 260 3 1.22 1264 5 6r.07 2658 20 13.29 2378 11 13.55 4461 42 33.46 4 5 224 1 1.08 1111 9 5.44 2372 15 12.33 2112 18 12.46 3967 31 31.74 5 6 201 1 .96 1004 7 4.92 2149 12 11.39 1920 17 11.90 3599 28 30.59 6 7 168 1 .82 882 3 4.41 1883 13 10.17 1719 24 11.35 3198 28 29.10 7 8 144 .71 795 8 3.98 1714 11 9.43 1550 11 10.85 2901 25 28.43 8 9 125 1 .61 708 3 3.61 1533 10 8.74 1378 6 10.34 2556 35 27.09 9 10 109 .53 647 6 3.36 1397 10 8.24 1267 10 10.14 2277 27 26.19 10 11 85 .43 541 3 2.87 1202 3 7.45 1077 13 9.15 1870 31 23.38 11 12 71 .36 482 4 2.60 1068 3 7.05 978 18 8.90 1646 17 22.22 12 13 59 .30 410 2 2.26 936 9 6.55 829 9 8.12 1392 20 20.32 13 14 48 .25 370 2 2.11 841 7 6.31 733 4 7.77 1238 17 19.56 14 15 42 .22 325 1 1.92 730 5 5.84 642 6 7.38 1064 11 18.19 15 16 34 .18 260 2 1.61 607 2 5.16 508 7 6.35 840 10 15.54 16 17 21 .12 213 1 1.41 515 7 4.69 411 4 5.55 682 12 13.71 17 18 16 .09 183 1 1.28 430 3 4.21 342 5 4.99 573 10 12.55 18 19 15 .09 155 1.16 340 5 3.60 266 4 4.20 463 10 11.11 19 20 12 .07 126 1 1.01 273 2 3.14 219 3 3.74 372 5 9.82 20 21 4 .03 46 .39 113 1.41 98 4 1.81 180 6 5.24 21 22 2 .01 32 .29 84 1.13 67 2 1.35 125 4 4.01 22 23 1 .01 21 .21 47 .69 36 1 .79 73 1 2.58 23 24 9 .10 24 1 .38 16 1 .38 40 1 1.56 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 3847 27 24.62 2687 26 24.45 1760 20 21.47 1190 16 19.04 595 5 12.20 1 2 2992 40 26.33 2062 21 25.78 1363 23 21.54 949 17 19.36 493 11 13.56 2 3 2607 34 24.77 1831 29 25.27 1215 26 22.23 833 12 19.99 445 11 14.28 3 4 2282 20 23.73 1603 29 24.05 1070 20 21.51 739 22 19.51 386 10 13.66 4 5 1985 21 22.43 1406 20 22.92 951 26 20.83 618 14 17.98 335 12 13.07 5 6 1777 15 21.68 1284 21 22.47 842 11 20.21 554 13 17.78 298 13 12.78 6 7 1579 19 20.84 1127 22 21.41 722 16 19.06 488 12 17.28 251 6 11.82 7 8 1400 19 20.02 1007 27 20.74 633 17 18.42 434 5 16.93 219 10 11.30 8 9 1230 16 18.94 891 24 20.05 543 17 17.43 386 17 16.56 189 7 10.70 9 10 1116 31 18.64 784 20 19.36 473 6 16.74 330 13 15.54 162 5 10.00 10 11 887 13 16.05 611 11 16.62 362 9 14.12 241 7 12.44 116 2 7.75 11 12 792 18 15.52 528 12 15.84 292 13 12.53 201 12 11.38 91 6 6.58 12 13 646 23 13.82 445 8 14.73 232 15 10.93 165 7 10.18 72 7 5.64 13 14 564 9 13.20 377 19 13.76 193 4 9.96 138 11 9.22 57 1 4.83 14 15 482 9 12.39 303 11 12.18 169 4 9.57 107 8 7.74 49 3 4.50 15 16 344 5 9.74 203 7 8.97 113 7 6.97 72 6 5.64 29 2.89 16 17 277 8 8.64 172 7 8.34 89 4 5.95 58 2 4.92 27 4 2.91 17 18 227 7 7.81 142 5 7.54 73 3 5.28 50 2 4.60 19 3 2.22 18 19 168 6 6.37 113 12 6.57 53 1 4.15 35 3 3.48 11 3 1.39 19 20 125 3 5.21 81 8 5.12 41 1 3.48 26 1 2.81 7 1 .96 20 21 65 1 2.98 41 2.81 24 2 2.21 14 1 1.64 6 1 .89 21 22 40 3 2.01 25 1 1.85 17 1.69 8 1 1.01 4 .64 22 23 25 2 1.38 14 1 1.12 11 1.19 6 .82 2 1 .35 23 24 9 .54 3 .26 6 2 .70 2 .30 1 .19 24 79 TABLE I {Continued) MEN INFLUENCE OF BUILD ON MORTALITY Height 5 Feet 7 Inches to 5 Feet 10 Inches Inclusive. Weight -25 to -30 Pounds Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 9654 50 31.86 27877 100 97.57 38063 134 140.83 27116 106 111.18 11653 53 54.77 1 2 7183 43 32.32 21244 115 97.72 29538 158 141.78 20804 125 108.18 8873 65 56.79 2 3 6191 27 28.48 18687 118 87.83 26056 169 127.67 18408 122 99.40 7871 52 54.31 3 4 5404 39 25.40 16686 91 80.09 23102 147 115.51 16310 105 92.97 7017 56 52.63 4 5 4706 38 22.59 14904 84 73.03 20576 119 107.00 14527 105 85.71 6287 49 50.30 5 6 4131 20 19.83 13383 65 65.58 18566 112 98.40 13146 104 81.51 5699 52 48.44 6 7 3547 30 17.38 11790 61 58.95 16411 90 88.62 11595 79 76.53 5084 45 46.26 7 8 3121 19 15.29 10499 58 52.50 14721 93 80.97 10411 76 72.88 4575 45 44.84 8 9 2721 18 13.33 9258 54 47.22 13112 73 74.74 9295 65 69.71 4067 34 43.11 9 10 2386 12 11.69 8294 44 43.13 11761 78 69.39 8390 61 67.12 3626 47 41.70 10 11 2001 14 10.01 6967 39 36.93 9904 51 61.40 7129 47 60.60 3008 46 37.60 11 12 1721 19 8.61 6133 48 33.12 8739 63 57.68 6295 52 57.28 2593 37 35.01 12 13 1448 8 7.38 5263 25 28.95 7648 62 53.54 5465 51 53.56 2203 26 32.16 13 14 1268 12 6.59 4670 25 26.62 6835 49 51.26 4843 45 51.34 1924 13 30.40 14 15 1073 6 5.69 3976 28 23.46 5964 36 47.71 4141 28 47.62 1692 29 28.93 15 16 863 5 4.66 3242 16 20.10 4878 39 41.46 3291 40 41.14 1296 14 23.98 16 17 690 4 3.80 2725 16 17.99 4097 39 37.28 2743 24 37.03 1083 20 21.77 17 18 576 5 3.23 2263 18 15.84 3342 37 32.75 2262 34 33.03 877 16 19.21 18 19 437 3 2.53 1780 16 13.35 2631 21 27.89 1801 29 28.46 689 6 16.54 19 20 328 2 2.00 1401 6 11.21 2001 17 23.01 1403 22 23.99 519 14 13.70 20 21 134 2 .86 594 7 5.05 864 6 10.80 657 13 12.15 241 4 7.01 21 22 88 3 .60 398 8 3.62 593 9 8.01 443 6 8.90 168 3 5.39 22 23 43 .31 226 5 2.21 345 2 5.04 250 7 5.48 108 2 3.82 23 24 20 .16 104 2 1.10 153 4 2.42 121 2 2.90 44 2 1.72 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Insur- Year to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths Year 1 6032 30 38.60 1652 24 15.03 260 7 3.17 130 2.08 82 1 1.68 1 2 4567 45 40.19 1219 12 15.24 209 2 3.30 104 3 2.12 66 6 1.82 2 3 4074 42 38.70 1094 16 15.10 187 2 3.42 96 3 2.30 58 1.86 3 4 3626 35 37.71 957 18 14.36 170 2 3.42 88 2 2.32 54 3 1.91 4 5 3220 38 36.39 841 10 13.71 160 3.50 82 1 2.39 49 1 1.91 5 6 2861 32 34.90 778 17 13.62 153 2 3.67 78 3 2.50 41 2 1.76 6 7 2539 29 33.51 676 15 12.84 141 2 3.72 73 1 2.58 37 1 1.74 7 8 2298 30 32.86 597 12 12.30 135 4 3.93 69 2 2.69 35 1.81 8 9 2052 30 31.60 535 13 12.04 129 2 4.14 64 2 2.75 33 2 1.87 9 10 1809 25 30.21 464 19 11.46 104 1 3.68 56 2.64 22 1 1.36 10 11 1503 21 27.20 368 9 10.01 83 6 3.24 49 4 2.53 15 2 1.00 11 12 1309 21 25.66 308 8 9.24 69 2 2.96 37 3 2.09 13 2 .94 12 13 1104 23 23.63 251 2 8.31 56 4 2.64 29 4 1.79 11 1 .86 13 14 946 21 22.14 232 10 8.47 47 6 2.43 20 1.34 7 .59 14 15 798 16 20.51 192 6 7.72 36 1 2.04 18 3 1.30 5 .46 15 16 555 10 15.71 128 4 5.66 25 1 1.54 11 1 .86 3 1 .30 16 17 451 11 14.07 100 3 4.85 15 1 1.00 9 1 .76 2 .22 17 18 357 5 12.28 78 2 4.14 9 2 .65 7 1 .64 2 .23 18 19 288 11 10.92 61 4 3.54 5 .39 3 .30 2 .25 19 20 221 5 9.22 44 • . 2.78 4 .34 2 .22 2 1 .27 20 21 121 2 5.54 29 1.99 2 .18 2 .23 21 22 80 1 4.02 16 1.19 1 .10 1 .13 22 23 48 3 2.64 10 2 .80 1 .11 23 24 19 1.14 5 1 .43 1 .12 24 80 TABLE I (Continued) MEN Height 5 Feet 7 Inches to 5 Feet 10 Inches Inclusive. Weight -15 to -20 Pounds INFLUENCE OF BUILD ON MORTALITY Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur ance Year 1 58462 211 192.92 44429 161 155.50 14722 56 54.47 4593 19 18.83 2795 12 13.14 1 2 42185 234 189.83 33192 164 152.68 11129 50 53.42 3528 17 18.35 2069 16 13.24 2 3 36282 216 166.90 29119 166 136.86 9984 56 48.92 3235 21 17.47 1917 13 13.23 3 4 31494 165 148.02 25801 140 123.84 8974 54 44.87 2945 23 16.79 1761 15 13.21 4 5 27565 139 132.31 23000 121 112.70 8159 45 42.43 2762 15 16.30 1666 16 13.33 5 6 24222 166 116.27 20620 117 101.04 7454 27 39.51 2599 14 16.11 1573 16 13.37 6 7 20806 111 101.95 18392 87 91.96 6856 36 37.02 2487 20 16.41 1498 14 13.63 7 8 18281 88 89.58 16550 108 82.75 6350 48 34.93 2379 11 16.65 1436 13 14.07 8 9 15899 87 77.91 14835 78 75.66 5884 49 33.54 2307 15 17.30 1401 15 14.85 9 10 13885 72 68.04 13126 79 68.26 5249 45 30.97 2083 14 16.66 1225 8 14.09 10 11 11342 73 56.71 10916 67 57.85 4411 33 27.35 1718 16 14.60 994 7 12.43 11 12 9716 62 48.58 9494 50 51.27 3902 18 25.75 1488 19 13.54 859 6 11.60 12 13 8117 42 41.40 8121 51 44.67 3461 22 24.23 1275 11 12.50 745 13 10.88 13 14 6981 40 36.30 7084 41 40.38 3040 32 22.80 1093 7 11.59 622 12 9.83 14 15 5860 29 31.06 6024 38 35.54 2618 24 20.94 955 16 10.98 525 8 8.98 15 16 4584 36 24.75 4933 38 30.58 2134 14 18.14 724 10 9.05 402 7 7.44 16 17 3674 26 20.21 4123 26 27.21 1764 14 16.05 604 14 8.15 326 6 6.55 17 18 2939 11 16.46 3359 24 23.51 1451 6 14.22 483 4 7.05 266 4 5.83 18 19 2262 18 13.12 2688 16 20.16 1148 10 12.17 381 6.02 208 5 4.99 19 20 1644 11 10.03 2087 16 16.70 865 6 9.95 293 2 5.01 146 1 3.85 20 21 687 • . 4.40 975 2 8.29 378 3 4.73 115 4 2.13 60 1.75 21 22 453 5 3.08 650 2 5.92 252 3.40 77 1.55 40 1.28 22 23 265 3 1.93 398 4 3.90 149 5 2.18 50 1.10 28 .99 23 24 130 1 1.01 178 1.89 54 1 .85 19 1 .46 13 .51 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Insur- Year to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths Year 1 1430 9 9.15 585 4 5.32 305 5 3.72 166 5 2.66 73 1.50 1 2 1078 12 9.49 445 2 5.56 217 3 3.43 134 2 2.73 59 1 1.62 2 3 996 11 9.46 411 7 5.67 206 1 3.77 128 2 3.07 50 5 1.61 3 4 911 11 9.47 371 6 5.57 192 2 3.86 118 4 3.12 43 1.52 4 5 857 10 9.68 345 4 5.62 182 2 3.99 112 1 3.26 43 1 1.68 5 6 804 16 9.81 332 2 5.81 176 8 4.22 108 3 3.47 42 1 1.80 6 7 763 11 10.07 319 7 6.06 163 8 4.30 101 3 3.58 41 1.93 7 8 732 4 10.47 300 2 6.18 153 4 4.45 93 3 3.63 41 1 2.12 8 9 714 13 11.00 296 6 6.66 146 4 4.69 87 3.73 39 2.21 9 10 612 6 10.22 266 8 6.57 122 4 4.32 80 3 3.77 33 1 2.04 10 11 498 10 9.01 205 6 5.58 92 6 3.59 51 3 2.63 23 3 1.54 11 12 439 12 8.60 173 8 5.19 71 2 3.05 44 1 2.49 15 2 1.08 12 13 367 7 7.85 138 2 4.57 58 3 2.73 38 1 2.34 10 .78 13 14 302 5 7.07 120 4 4.38 50 2 2.58 30 2.00 10 .85 14 15 250 5 6.43 94 4 3.78 41 1 2.32 28 1 2.02 9 1 .83 15 16 175 3 4.95 68 2 3.01 28 1 1.73 22 1 1.72 6 .60 16 17 144 3 4.49 58 1 2.81 25 2 1.67 19 2 1.61 6 .65 17 18 110 4 3.78 45 1 2.39 20 3 1.45 10 1 .92 6 .70 18 19 85 2 3.22 36 2 2.09 15 1.17 9 1 .90 6 3 .76 19 20 66 1 2.75 24 2 1.52 12 1 1.02 7 .76 3 1 .41 20 21 32 1 1.47 13 .89 5 .46 6 1 .70 21 22 17 .86 12 1 .89 1 .10 3 .38 22 23 7 1 .39 8 .64 2 .27 23 24 5 .30 3 .26 24 81 TABLE I (Continued) MEN Height 5 Feet 7 Inches to 5 Feet 10 Inches Inclusive. Weight -10 Pounds INFLUENCE OF BUILD ON MORTALITY Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 4592 17 15.15 4130 9 14.46 3500 16 12.95 2332 9 9.56 1451 9 6.82 1 2 3365 16 15.14 3114 13 14.32 2595 14 12.46 1762 12 9.16 1087 7 6.96 2 3 3011 16 13.85 2851 17 13.40 2376 15 11.64 1634 11 8.82 1011 4 6.98 3 4 2709 12 12.73 2595 10 12.46 2170 13 10.85 1521 7 8.67 923 5 6.92 4 5 2473 15 11.87 2466 11 12.08 2059 13 10.71 1449 5 8.55 870 3 6.96 5 6 2264 10 10.87 2351 9 11.52 1940 13 10.28 1387 9 8.60 830 9 7.06 6 7 2073 10 10.16 2278 16 11.39 1872 9 10.11 1322 4 8.73 799 8 7.27 7 8 1946 7 9.54 2214 12 11.07 1810 11 9.96 1293 12 9.05 766 5 7.51 8 9 1838 12 9.01 2156 9 11.00 1769 6 10.08 1252 9 9.39 745 8 7.90 9 10 1605 9 7.86 1946 5 10.12 1578 10 9.31 1123 10 8.98 663 2 7.62 10 11 1329 10 6.65 1560 11 8.27 1319 9 8.18 919 9 7.81 539 3 6.74 11 12 1114 2 5.57 1361 8 7.35 1164 9 7.68 802 11 7.30 462 6 6.24 12 13 955 6 4.87 1187 2 6.53 1013 6 7.09 706 7 6.92 404 7 5.90 13 14 812 4 4.22 1002 3 5.71 888 3 6.66 612 4 6.49 347 4 5.48 14 15 669 2 3.55 860 8 5.07 758 5 6.06 517 4 5.95 291 5 4.98 15 16 516 2 2.79 678 3 4.20 590 5 5.02 392 2 4.90 219 5 4.05 16 17 399 4 2.19 574 3 3.79 458 6 4.17 333 2 4.50 176 3.54 17 18 309 4 1.73 480 4 3.36 356 4 3.49 274 3 4.00 144 3 3.15 18 19 235 3 1.36 382 3 2.87 279 5 2.96 220 4 3.48 121 1 2.90 19 20 181 2 1.10 280 2.24 209 2 2.40 161 5 2.75 87 2 2.30 20 21 76 .49 107 2 .91 88 2 1.10 56 3 1.04 33 1 .96 21 22 54 .37 70 .64 58 2 .78 35 • . .70 20 .64 22 23 40 1 .29 53 1 .52 35 1 .51 22 1 .48 10 2 .35 23 24 19 .15 16 1 .17 13 .21 7 • • .17 2 .08 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 745 4 4.77 362 3 3.29 160 1.95 100 3 1.60 50 1.03 1 2 563 6 4.95 291 2 3.64 126 1 1.99 82 3 1.67 44 1 1.21 2 3 518 4 4.92 274 7 3.78 122 3 2.23 77 1 1.85 39 1.25 3 4 474 1 4.93 241 3 3.62 115 2 2.31 68 1 1.80 37 1 1.31 4 5 454 8 5.13 227 5 3.70 111 3 2.43 66 2 1.92 36 1 1.40 5 6 430 6 5.25 214 3 3.75 107 • . 2.57 61 2 1.96 33 1 1.42 6 7 413 3 5.45 207 3 3.93 103 5 2.72 59 1 2.09 30 1 1.41 7 8 397 5 5.68 200 1 4.12 96 2 2.79 55 2 2.15 27 1 1.39 8 9 383 5 5.90 192 4 4.32 94 3 3.02 49 3 2.10 26 2 1.47 9 10 344 6 5.74 172 4.25 85 • . 3.01 38 6 1.79 22 1.36 10 11 281 1 5.09 127 4 3.45 66 2 2.57 21 3 1.08 18 1 1.20 11 12 242 8 4.74 109 2 3.27 51 1 2.19 14 .79 15 1.08 12 13 205 2 4.39 92 1 3.05 45 3 2.12 10 1 .62 15 1.17 13 14 171 3 4.00 75 3 2.74 38 3 1.96 9 1 .60 13 1.10 14 15 137 2 3.52 60 1 2.41 30 1 1.70 8 .58 12 2 1.10 15 16 83 3 2.35 40 2 1.77 20 1 1.23 5 .39 8 .80 16 17 69 6 2.15 31 2 1.50 17 1 1.14 4 .34 7 .76 17 18 54 2 1.86 26 4 1.38 15 2 1.08 4 .37 7 1 .82 18 19 42 1 1.59 20 1 1.16 9 1 .70 4 .40 3 .38 19 20 27 1.13 16 1.01 8 2 .68 4 .43 2 .27 20 21 16 1 .73 10 .69 4 .37 2 .23 . - 21 22 9 2 .45 6 .44 4 1 .40 2 .25 22 23 6 1 .33 4 .32 1 .11 23 24 4 .24 2 .17 • . 24 82 TABLE I (Continued) MEN Height 5 Feet 7 Inches to 5 Feet 10 Inches Inclusive. Weight -5 Pounds INFLUENCE OF BUILD ON MORTALITY Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 3328 14 10.98 4032 15 14.11 3176 11 11.75 2284 3 9.36 1397 9 6.57 1 2 2400 17 10.80 2937 23 13.51 2400 10 11.52 1741 11 9.05 1022 3 6.54 2 3 2198 13 10.11 2674 10 12.57 2218 10 10.87 1618 5 8.74 952 3 6.57 3 4 1973 12 9.27 2477 13 11.89 2048 11 10.24 1516 10 8.64 866 12 6.50 4 5 1877 7 9.01 2339 28 11.46 1932 8 10.05 1422 7 8.39 814 7 6.51 5 6 1780 15 8.54 2209 10 10.82 1833 18 9.71 1365 7 8.46 772 8 6.56 6 7 1703 9 8.34 2128 12 10.64 1759 8 9.50 1307 8 8.63 739 7 6.72 7 8 1651 10 8.09 2059 7 10.30 1717 7 9.44 1269 11 8.88 710 5 6.96 8 9 1602 8 7.85 2020 10 10.30 1676 9 9.55 1222 4 9.17 693 12 7.35 9 10 1435 9 7.03 1787 6 9.29 1505 9 8.88 1093 4 8.74 611 7.03 10 11 1161 8 5.81 1473 11 7.81 1233 10 7.64 925 6 7.86 511 6 6.39 11 12 985 1 4.93 1278 9 6.90 1114 5 7.35 809 3 7.36 450 2 6.08 12 13 853 7 4.35 1109 5 6.10 983 13 6.88 719 12 7.05 404 5 5.90 13 14 705 3 3.67 941 3 5.36 828 5 6.21 601 6 6.37 355 2 5.61 14 15 570 1 3.02 810 3 4.78 705 3 5.64 502 7 5.77 298 5 5.10 15 16 445 2 2.40 640 5 3.97 567 8 4.82 383 2 4.79 225 1 4.16 16 17 354 3 1.95 524 5 3.46 458 4 4.17 312 6 4.21 182 1 3.66 17 18 268 1 1.50 418 2 2.93 355 3 3.48 243 3 3.55 149 2 3.26 18 19 190 1.10 327 2 2.45 282 5 2.99 196 • . 3.10 117 2 2.81 19 20 141 2 .86 246 2 1.97 198 4 2.28 157 4 2.68 79 2 2.09 20 21 47 .30 99 .84 83 1.04 67 2 1.24 36 1 1.05 21 22 31 .21 67 .61 57 1 .77 42 .84 27 , • .87 22 23 20 .15 44 1 .43 33 .48 29 1 .64 16 .57 23 24 6 .05 20 .21 16 .25 16 .38 6 1 .23 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual • Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 754 9 4.83 324 3 2.95 153 1.87 93 3 1.49 41 2 .84 1 2 580 2 5.10 256 3 3.20 126 1.99 67 1 1.37 33 2 .91 2 3 527 3 5.01 234 1 3.23 122 3 2.23 64 • . 1.54 29 2 .93 3 4 493 4 5.13 223 2 3.35 105 4 2.11 62 1 1.64 25 1 .89 4 5 467 4 5.28 213 2 3.47 98 1 2.15 60 1 1.75 24 .94 5 6 448 6 5.47 205 7 3.59 93 2.23 55 1 1.77 23 .99 6 7 434 6 5.73 192 7 3.65 91 2.40 53 4 1.88 22 1 1.04 7 8 420 4 6.01 181 1 3.73 90 3 2.62 49 1 1.91 19 .98 8 9 407 5 6.27 175 3 3.94 84 1 2.70 48 2 2.06 18 1 1.02 9 10 349 6 5.83 151 5 3.73 74 2 2.62 43 2 2.03 13 1 .80 10 11 284 4 5.14 123 2 3.35 53 2 2.07 29 4 1.50 10 .67 11 12 241 2 4.72 107 5 3.21 41 2 1.76 21 1 1.19 8 .58 12 13 215 5 4.60 85 4 2.81 36 1 1.70 18 2 1.11 7 .55 13 14 178 2 4.17 70 3 2.56 32 2 1.65 16 1 1.07 7 .59 14 15 149 3 3.83 60 2.41 28 2 1.58 15 1.08 6 .55 15 16 98 2 2.77 43 2 1.90 17 1.05 12 1 .94 5 .50 16 17 79 4 2.46 30 1 1.46 12 1 .80 8 1 .68 3 .32 17 18 61 1 2.10 24 1.27 9 2 .65 3 .28 1 .12 18 19 49 1 1.86 23 2 1.34 5 1 .39 2 .20 1 1 .13 19 20 37 1 1.54 14 1 .88 2 .17 2 .22 20 21 11 .50 6 .41 1 .09 1 .12 21 22 8 1 .40 5 .37 1 .10 1 .13 22 23 5 .28 2 .16 23 24 3 .18 24 83 TABLE I (Continued) MEN INFLUENCE OF BUILD ON MORTALITY Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 3000 9 9.90 3863 12 13.52 2962 13 10.96 2121 11 8.70 1220 4 5.73 1 2 2148 11 9.67 2799 10 12.88 2203 12 10.57 1610 10 8.37 926 8 5.93 2 3 1949 11 8.97 2562 13 12.04 2034 10 9.97 1497 7 8.08 857 9 5.91 3 4 1778 8 8.36 2342 11 11.24 1864 10 9.32 1361 5 7.76 776 2 5.82 4 5 1664 10 7.99 2204 11 10.80 1760 10 9.15 1289 6 7.61 741 3 5.93 5 6 1578 11 7.57 2100 5 10.29 1681 9 8.91 1223 7 7.58 708 4 6.02 6 7 1520 5 7.45 2016 9 10.08 1624 7 8.77 1187 8 7.83 685 4 6.23 7 8 1476 6 7.23 1959 9 9.80 1580 11 8.69 1143 9 8.00 662 10 6.49 8 9 1438 7 7.05 1918 8 9.78 1540 10 8.78 1107 8 8.30 643 4 6.82 9 10 1244 8 6.10 1737 6 9.03 1374 9 8.11 981 4 7.85 579 7 6.66 10 11 1009 1 5.05 1426 6 7.56 1120 7 6.94 818 9 6.95 478 10 5.98 11 12 872 5 4.36 1242 5 6.71 973 5 6.42 726 7 6.61 410 6 5.54 12 13 736 1 3.75 1066 3 5.86 851 4 5.96 628 4 6.15 362 7 5.29 13 14 621 3.23 933 6 5.32 755 4 5.66 532 6 5.64 310 3 4.90 14 15 522 2 2.77 774 5 4.57 638 4 5.10 451 4 5.19 265 6 4.53 15 16 395 3 2.13 627 3.89 520 3 4.42 354 4 4.43 184 2 3.40 16 17 314 2 1.73 510 6 3.37 430 3.91 288 4 3.89 148 2.97 17 18 260 3 1.46 404 1 2.83 359 4 3.52 239 1 3.49 111 2 2.43 18 19 194 1 1.13 328 2 2.46 280 4 2.97 179 2 2.83 94 1 2.26 19 20 135 2 .82 254 2 2.03 208 3 2.39 130 1 2.22 73 1 1.93 20 21 53 .34 105 .89 79 1 .99 59 1.09 30 1 .87 21 22 36 1 .24 68 1 .62 43 1 .58 38 .76 18 .58 22 23 25 .18 40 .39 25 .37 29 .64 11 .39 23 24 7 .05 20 .21 9 .14 14 .34 5 .20 24 Height 5 Feet 7 Inches to 5 Feet 10 Inches Inclusive. Average Weight Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Insur- Year to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths Year 1 685 5 4.38 306 2.78 137 1 1.67 97 1 1.55 35 1 .72 1 2 512 1 4.51 251 7 3.14 111 1.75 82 1 1.67 23 .63 2 3 489 8 4.65 228 6 3.15 102 1 1.87 78 3 1.87 23 1 .74 3 4 445 5 4.63 209 3 3.14 94 1 1.89 69 1.82 20 .71 4 5 416 6 4.70 194 6 3.16 89 3 1.95 67 2 1.95 19 1 .74 5 6 400 3 4.88 184 4 3.22 83 1 1.99 60 1.93 18 .77 6 7 381 6 5.03 169 3 3.21 82 1 2.16 60 1 2.12 17 1 .80 7 8 365 8 5.22 162 1 3.34 80 2.33 59 5 2.30 15 1 .77 8 9 353 2 5.44 158 4 3.56 80 2.57 54 2.32 14 .79 9 10 309 10 5.16 137 4 3.38 70 1 2.48 47 3 2.21 13 1 .80 10 11 248 7 4.49 110 2 2.99 56 1 2.18 31 1 1.60 10 .67 11 12 219 1 4.29 91 4 2.73 47 4 2.02 27 1 1.53 6 .43 12 13 185 2 3.96 78 2.58 38 1.79 23 4 1.42 6 1 .47 13 14 151 3.53 65 3 2.37 33 2 1.70 17 4 1.14 5 1 .42 14 15 129 4 3.32 58 2 2.33 27 3 1.53 12 .87 4 .37 15 16 90 2.55 35 1 1.55 17 1.05 8 1 .63 3 .30 16 17 75 2 2.34 25 1 1.21 16 1 1.07 5 1 .42 3 .32 17 18 55 2 1.89 20 1.06 11 .80 3 .28 2 .23 18 19 41 1.55 18 1.05 8 1 .63 2 1 .20 2 .25 19 20 35 1 1.46 11 .70 4 .34 1 .11 2 .27 20 21 18 .82 8 .55 3 .28 1 .12 21 22 11 1 .55 6 .44 2 1 .20 1 .13 22 23 6 • . .33 4 .32 1 .11 1 .14 23 24 1 .06 2 1 .17 1 .15 • . 24 84 TABLE I (Continued) MEN INFLUENCE OF BUILD ON MORTALITY Height 5 Feet 7 Inches to 5 Feet 10 Inches Inclusive. Weight +5 Pounds Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 2643 8 8.72 2971 9 10.40 2524 7 9.34 1903 9 7.80 1142 7 5.37 1 2 1818 9 8.18 2143 10 9.86 1830 9 8.78 1419 9 7.38 909 10 5.82 2 3 1646 10 7.57 1949 12 9.16 1680 11 8.23 1320 7 7.13 827 7 5.71 3 4 1498 6 7.04 1762 5 8.46 1556 9 7.78 1217 7 6.94 745 2 5.59 4 5 1422 7 6.83 1661 10 8.14 1481 3 7.70 1143 4 6.74 709 5 5.67 5 6 1352 9 6.49 1585 2 7.77 1418 6 7.52 1098 8 6.81 675 2 5.74 6 7 1297 4 6.36 1523 5 7.62 1376 6 7.43 1056 12 6.97 650 2 5.92 7 8 1252 6 6.13 1482 3 7.41 1334 6 7.34 1019 11 7.13 637 2 6.24 8 9 1220 6 5.98 1448 7 7.38 1306 11 7.44 984 12 7.38 627 7 6.65 9 10 1078 4 5.28 1293 6 6.72 1170 3 6.90 895 8 7.16 548 2 6.30 10 11 871 7 4.36 1039 5 5.51 967 9 6.00 725 3 6.16 447 1 5.59 11 12 754 2 3.77 927 5 5.01 842 7 5.56 623 5 5.67 389 9 5.25 12 13 645 3 3.29 805 5 4.43 735 8 5.15 543 4 5.32 343 4 5.01 13 14 544 3 2.83 670 6 3.82 631 5 4.73 479 9 5.08 299 3 4.72 14 15 453 2 2.40 547 2 3.23 528 6 4.22 400 3 4.60 247 3 4.22 15 16 355 2 1.92 422 2.62 414 3 3.52 301 3.76 193 6 3.57 16 17 280 2 1.54 335 5 2.21 331 3 3.01 244 2 3.29 153 4 3.08 17 18 211 3 1.18 267 1 1.87 247 1 2.42 196 2 2.86 120 6 2.63 18 19 161 .93 200 2 1.50 194 2 2.06 157 2 2.48 96 2.30 19 20 131 .80 151 2 1.21 128 1 1.47 117 2 2.00 72 1.90 20 21 41 1 .26 49 .42 54 .68 43 .80 35 1 1.02 21 22 30 1 .20 32 .29 37 1 .50 22 2 .44 17 .55 22 23 20 .15 19 .19 21 .31 12 2 .26 8 1 .28 23 24 8 .06 7 .07 4 .06 2 1 .05 2 .08 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 630 5 4.03 270 4 2.46 132 2 1.61 81 2 1.30 43 .88 1 2 464 6 4.08 204 2 2.55 110 1.74 66 3 1.35 38 1 1.05 2 3 426 1 4.05 185 2 2.55 109 1 1.99 60 1 1.44 37 1 1.19 3 4 388 6 4.04 175 3 2.63 99 2 1.99 54 2 1.43 31 3 1.10 4 5 367 3 4.15 163 3 2.66 93 5 2.04 50 1 1.46 28 1.09 5 6 348 2 4.25 156 4 2.73 84 3 2.02 49 1.57 27 1 1.16 6 7 332 1 4.38 144 4 2.74 78 2.06 48 2 1.70 26 1.22 7 8 328 5 4.69 138 2 2.84 74 5 2.15 44 1 1.72 24 2 1.24 8 9 317 7 4.88 133 1 2.99 69 1 2.21 42 1.80 22 1.25 9 10 281 5 4.69 120 2 2.96 57 2 2.02 36 2 1.70 21 1.30 10 11 224 5 4.05 89 1 2.42 36 1 1.40 29 1 1.50 12 .80 11 12 192 3 3.76 79 5 2.37 30 1 1.29 22 1.25 11 .80 12 13 172 3 3.68 63 3 2.09 27 1 1.27 18 2 1.11 9 3 .70 13 14 142 3 3.32 58 1 2.12 23 1.19 12 1 .80 4 1 .34 14 15 121 2 3.11 49 1 1.97 18 1 1.02 10 .72 2 1 .18 15 16 81 2 2.29 31 1.37 10 1 .62 6 1 .47 1 1 .10 16 17 70 2 2.18 26 2 1.26 8 .53 5 .42 17 18 52 3 1.79 19 2 1.01 8 1 .58 2 .18 18 19 38 1 1.44 12 .70 4 1 .31 2 1 .20 19 20 30 1 1.25 9 1 .57 3 .25 1 .11 20 21 17 .78 4 .27 2 1 .18 1 - - .12 21 22 10 .50 3 1 .22 1 .13 22 23 5 .28 2 .16 1 .14 23 24 3 •. .18 1 .09 24 85 TABLE I (Continued) MEN Height 5 Feet 7 Inches to 5 Feet 10 Inches Inclusive. Weight +10 Pounds INFLUENCE OF BUILD ON MORTALITY Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 2020 8 6.67 2262 8 7.92 1886 4 6.98 1707 5 7.00 928 1 4.36 1 2 1340 12 6.03 1599 7 7.36 1389 10 6.67 1326 5 6.90 715 4 4.58 2 3 1209 6 5.56 1464 3 6.88 1269 7 6.22 1225 6 6.62 672 3 4.64 3 4 1091 4 5.13 1335 5 6.41 1162 5 5.81 1129 8 6.44 613 5 4.60 4 5 1029 1 4.94 1249 5 6.12 1119 7 5.82 1069 3 6.31 575 5 4.60 5 6 971 6 4.66 1197 6 5.87 1058 8 5.61 1029 7 6.38 543 1 4.62 6 7 932 1 4.57 1142 8 5.71 1013 8 5.47 1003 8 6.62 532 5 4.84 7 8 907 8 4.44 1099 3 5.50 985 4 5.42 972 5 6.80 518 3 5.08 8 9 879 4.31 1069 6 5.45 964 5 5.49 954 9 7.16 505 6 5.35 9 10 790 3 3.87 960 7 4.99 874 3 5.16 844 6 6.75 453 3 5.21 10 11 645 3 3.23 789 5 4.18 708 5 4.39 682 6 5.80 355 5 4.44 11 12 576 5 2.88 677 3 3.66 617 3 4.07 593 3 5.40 307 4 4.14 12 13 462 2.36 583 2 3.21 536 1 3.75 501 6 4.91 266 3 3.88 13 14 390 2 2.03 493 3 2.81 469 4 3.52 410 4 4.35 231 2 3.65 14 15 324 1 1.72 413 4 2.44 402 3 3.22 341 2 3.92 188 4 3.21 15 16 243 2 1.31 329 3 2.04 308 3 2.62 255 3 3.19 132 3 2.44 16 17 193 1 1.06 268 1.77 249 2 2.27 202 2 2.73 109 3 2.19 17 18 152 .85 220 2 1.54 199 4 1.95 153 1 2.23 91 2 1.99 18 19 102 .59 160 3 1.20 149 1 1.58 111 2 1.75 72 5 1.73 19 20 78 1 .48 111 2 .89 106 2 1.22 84 1.44 54 1.43 20 21 29 .19 54 2 .46 44 .55 33 .61 24 1 .70 21 22 16 .11 35 .32 36 .49 20 .40 16 2 .51 22 23 11 • . .08 21 • . .21 24 • • .35 13 1 .28 10 1 .35 23 24 6 .05 12 .13 11 • . .17 6 .14 3 1 .12 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 597 4 3.82 279 5 2.54 130 1 1.59 54 .86 31 1 .64 1 2 472 2 4.15 210 1 2.63 103 3 1.63 45 .92 26 .72 2 3 445 6 4.23 195 2 2.69 96 1 1.76 40 2 .96 24 .77 3 4 402 5 4.18 181 3 2.72 85 2 1.71 37 2 .98 23 1 .81 4 5 383 3 4.33 170 6 2.77 81 1 1.77 34 1 .99 20 .78 5 6 364 4.44 156 2.73 78 1.87 32 1.03 18 .77 6 7 356 1 4.70 154 3 2.93 78 2.06 32 1 1.13 18 .85 7 8 345 1 4.93 148 7 3.05 78 3 2.27 31 1 1.21 18 2 .93 8 9 336 9 5.17 140 7 3.15 74 5 2.38 30 2 1.29 16 2 .91 9 10 296 6 4.94 119 3 2.94 59 1 2.09 27 2 1.27 12 1 .74 10 11 225 2 4.07 88 2.39 50 2 1.95 20 1.03 8 .53 11 12 197 7 3.86 73 2.19 38 2 1.63 18 2 1.02 7 1 .51 12 13 167 3 3.57 61 1 2.02 30 1 1.41 13 1 .80 5 .39 13 14 150 4 3.51 54 4 1.97 25 1 1.29 11 .73 5 1 .42 14 15 128 2 3.29 46 2 1.85 19 1.08 9 1 .65 4 1 .37 15 16 83 3 2.35 29 1.28 14 .86 3 .23 2 1 .20 16 17 71 2 2.22 26 1.26 13 3 .87 3 2 .25 1 .11 17 18 60 5 2.06 22 1 1.17 7 .51 1 .09 1 .12 18 19 49 3 1.86 18 1 1.05 6 .47 1 .13 19 20 36 1 1.50 14 .88 6 .51 1 .14 20 21 20 1 .92 8 1 .55 3 1 .28 21 22 13 1 .65 7 .52 - . 22 23 7 .39 5 .40 • . - . 23 24 3 .18 • • • • • • • . • . • ■ . . 24 86 TABLE I (Continued) MEN Height 5 Feet 7 Inches to 5 Feet 10 Inches Inclusive. Weight 4-15 to 4-20 Pounds INFLUENCE OF BUILD ON MORTALITY Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 2143 3 7.07 2834 13 9.92 2844 7 10.52 2411 11 9.89 1553 7 7.30 1 2 1386 6.24 2010 5 9.25 2105 8 10.10 1831 3 9.52 1209 6 7.74 2 3 1264 9 5.81 1865 5 8.77 1932 4 9.47 1686 13 9.10 1133 7 7.82 3 4 1128 7 5.30 1704 10 8.18 1808 8 9.04 1542 3 8.79 1040 14 7.80 4 5 1054 7 5.06 1597 7 7.83 1717 2 8.93 1475 5 8.70 981 7 7.85 5 6 1002 3 4.81 1517 4 7.43 1646 6 8.72 1410 9 8.74 938 7 7.97 6 7 954 5 4.67 1458 2 7.29 1584 3 8.55 1345 5 8.88 896 4 8.15 7 8 921 5 4.51 1410 9 7.05 1536 11 8.45 1309 8 9.16 874 10 8.57 8 9 892 6 4.37 1374 3 7.01 1496 7 8.53 1268 15 9.51 849 8 9.00 9 10 798 2 3.91 1223 5 6.36 1332 11 7.86 1123 12 8.98 730 11 8.40 10 11 601 2 3.01 992 9 5.26 1093 8 6.78 892 11 7.58 570 11 7.13 11 12 530 3 2.65 846 5 4.57 947 5 6.25 774 3 7.04 487 15 6.57 12 13 441 3 2.25 720 1 3.96 835 10 5.85 666 10 6.53 409 4 5.97 13 14 385 1 2.00 616 3.51 709 2 5.32 570 7 6.04 346 5 5.47 14 15 311 1.65 532 2 3.14 613 8 4.90 457 10 5.26 297 6 5.08 15 16 253 1.37 419 2 2.60 479 2 4.07 348 10 4.35 217 4 4.01 16 17 191 2 1.05 335 4 2.21 396 3 3.60 266 1 3.59 183 5 3.68 17 18 153 2 .86 272 2 1.90 325 2 3.19 208 3 3.04 142 5 3.11 18 19 110 1 .64 214 1 1.61 250 3 2.65 168 2 2.65 98 1 2.35 19 20 85 .52 162 1 1.30 185 2 2.13 115 1 1.97 74 3 1.95 20 21 31 1 .20 58 2 .49 57 .71 47 1 .87 32 1 .93 21 22 20 .14 37 .34 31 .42 28 1 .56 15 1 .48 22 23 12 .09 22 1 .22 20 2 .29 14 1 .31 6 .21 23 24 5 .04 12 .13 7 .11 6 • . .14 4 • . .16 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Insur- Year to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths Year 1 1018 6 6.52 433 5 3.94 202 3 2.46 124 2 1.98 57 1 1.17 1 2 808 4 7.11 332 3 4.15 177 2.80 96 7 1.96 48 1.32 2 3 756 15 7.18 305 10 4.21 167 3 3.06 86 4 2.06 44 2 1.41 3 4 690 6 7.18 270 8 4.05 156 3 3.14 76 4 2.01 40 2 1.42 4 5 659 10 7.45 253 4 4.12 146 3 3.20 70 3 2.04 37 3 1.44 5 6 616 7 7.52 243 7 4.25 140 3 3.36 66 3 2.12 33 4 1.42 6 7 590 12 7.79 230 8 4.37 133 3 3.51 62 1 2.19 27 1.27 7 8 567 10 8.11 217 4 4.47 126 8 3.67 61 1 2.38 27 1.39 8 9 544 7 8.38 211 4 4.75 114 6 3.66 58 3 2.49 27 1 1.53 9 10 495 4 8.27 172 1 4.25 97 6 3.43 49 2 2.31 22 2 1.36 10 11 385 5 6.97 137 5 3.73 76 1 2.96 39 1 2.01 12 2 .80 11 12 340 8 6.66 115 6 3.45 61 1 2.62 30 1 1.70 8 .58 12 13 296 5 6.33 94 6 3.11 50 3 2.36 22 3 1.36 8 .63 13 14 254 5 5.94 74 3 2.70 40 1 2.06 14 1 .94 8 .68 14 15 218 11 5.60 63 2 2.53 36 6 2.04 9 .65 7 .64 15 16 138 5 3.91 35 1.55 19 2 1.17 5 1 .39 5 .50 16 17 108 3 3.37 33 2 1.60 15 1 1.00 3 .25 3 .32 17 18 85 2.92 24 2 1.27 13 2 .94 2 .18 3 2 .35 18 19 71 3 2.69 22 2 1.28 10 3 .78 2 .20 1 .13 19 20 49 3 2.04 12 .76 5 .42 2 .22 20 21 21 2 .96 10 1 .69 2 .18 2 1 .23 21 22 16 .80 4 .30 2 .20 • . 22 23 13 1 .72 1 .11 23 24 5 .30 .. 24 87 TABLE I (Continued) MEN Height 5 Feet 7 Inches to 5 Feet 10 Inches Inclusive. Weight +25 to +30 Pounds INFLUENCE OF BUILD ON MORTALITY Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 878 5 2.90 1402 6 4.91 1638 6 6.06 1515 5 6.21 908 2 4.27 1 2 581 4 2.61 998 3 4.59 1275 5 6.12 1175 3 6.11 701 4 4.49 2 3 519 1 2.39 928 1 4.36 1192 7 5.84 1102 5 5.95 655 6 4.52 3 4 473 2.22 853 3 4.09 1074 4 5.37 1017 5 5.80 605 3 4.54 4 5 449 5 2.16 811 5 3.97 1010 10 5.25 973 7 5.74 578 4 4.62 5 6 436 2 2.09 778 3 3.81 956 8 5.07 931 10 5.77 551 2 4.68 6 7 423 2.07 748 5 3.74 918 5 4.96 896 8 5.91 532 3 4.84 7 8 409 2.00 719 5 3.60 889 4 4.89 856 7 5.99 517 5 5.07 8 9 399 4 1.96 700 2 3.57 866 10 4.94 825 12 6.19 504 11 5.34 9 10 357 3 1.75 620 2 3.22 763 5 4.50 718 9 5.74 443 4 5.09 10 11 277 1.39 514 6 2.72 630 12 3.91 572 5 4.86 354 6 4.43 11 12 237 1.19 451 1 2.44 551 5 3.64 492 8 4.48 299 8 4.04 12 13 200 1.02 392 2.16 476 3.33 408 6 4.00 254 7 3.71 13 14 172 .89 336 2 1.92 408 7 3.06 342 4 3.63 221 8 3.49 14 15 142 1 .75 297 3 1.75 326 4 2.61 292 6 3.36 183 3 3.13 15 16 115 2 .62 243 4 1.51 254 4 2.16 207 2 2.59 140 5 2.59 16 17 94 .52 196 2 1.29 188 2 1.71 171 3 2.31 111 4 2.23 17 18 66 .37 160 1 1.12 151 1 1.48 132 5 1.93 79 5 1.73 18 19 47 .27 125 1 .94 114 2 1.21 101 1 1.60 58 3 1.39 19 20 29 .18 90 .72 88 1 1.01 76 1.30 44 1 1.16 20 21 6 .04 36 .31 27 .34 38 1 .70 24 2 .70 21 22 3 .02 21 .19 17 1 .23 24 .48 13 .42 22 23 1 .01 16 .16 6 .09 14 1 .31 8 .28 23 24 1 .01 6 .06 1 .02 4 .10 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Insur- Year to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths Year 1 673 2 4.31 346 2 3.15 176 1 2.15 100 2 1.60 73 1.50 1 2 537 2 4.73 275 4 3.44 140 3 2.21 84 4 1.71 61 2 1.68 2 3 489 5 4.65 251 4 3.46 120 2 2.20 74 5 1.78 54 2 1.73 3 4 450 3 4.68 228 1 3.42 112 3 2.25 64 1 1.69 48 2 1.70 4 5 432 6 4.88 208 3 3.39 103 4 2.26 62 3 1.80 42 1 1.64 5 6 411 5 5.01 194 7 3.40 88 2 2.11 56 1 1.80 39 1.67 6 7 388 5 5.12 181 2 3.44 77 1 2.03 53 3 1.88 37 1.74 7 8 370 6 5.29 169 3.48 76 4 2.21 46 1.79 35 2 1.81 8 9 359 7 5.53 165 4 3.71 68 4 2.18 46 6 1.97 33 1 1.87 9 10 318 9 5.31 137 3 3.38 54 2 1.91 36 4 1.70 28 1 1.73 10 11 241 3 4.36 100 2 2.72 36 1 1.40 26 1.34 18 1.20 11 12 205 5 4.02 88 5 2.64 32 1 1.37 22 2 1.25 16 1 1.16 12 13 171 3 3.66 65 1 2.15 25 2 1.18 18 1 1.11 15 2 1.17 13 14 139 3 3.25 56 1 2.04 19 1 .98 16 3 1.07 13 1.10 14 15 120 5 3.08 46 4 1.85 18 1 1.02 12 .87 11 1.01 15 16 72 2 2.04 24 3 1.06 10 .62 11 1 .86 9 2 .90 16 17 56 3 1.75 16 3 .78 9 1 .60 9 1 .76 7 .76 17 18 44 2 1.51 9 1 .48 8 .58 6 .55 7 2 .82 18 19 33 2 1.25 6 .35 7 1 .55 6 .60 4 1 .51 19 20 21 1 .88 4 1 .25 6 .51 6 .65 3 .41 20 21 10 .46 3 .21 3 .28 3 .35 3 1 .45 21 22 6 .30 1 .07 2 .20 2 .25 1 .16 22 23 3 .17 1 • . .08 2 .22 1 .14 23 24 3 .18 2 • . .23 • . 24 88 TABLE I (Continued) MEN INFLUENCE OF BUILD ON MORTALITY Height 5 Feet 7 Inches to 5 Feet 10 Inches Inclusive. Weight +35 to +45 Pounds Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 347 1 1.15 1054 3 3.69 4475 19 16.56 6303 36 25.84 7901 39 37.13 1 2 220 2 .99 770 3 3.54 3307 11 15.87 4705 25 24.47 6047 57 38.70 2 3 203 .93 701 6 3.29 2940 14 14.41 4222 30 22.80 5365 63 37.02 3 4 186 2 .87 648 2 3.11 2600 17 13.00 3765 14 21.46 4719 48 35.39 4 5 178 .85 592 2 2.90 2379 7 12.37 3419 21 20.17 4234 30 33.87 5 6 165 .79 557 3 2.73 2150 14 11.40 3060 17 18.97 3766 46 32.01 6 7 161 .79 537 3 2.69 1976 16 10.67 2757 30 18.20 3347 48 30.46 7 8 155 .76 509 8 2.55 1766 13 9.71 2462 24 17.23 2914 46 28.56 8 9 152 .74 482 3 2.46 1606 10 9.15 2211 30 16.58 2559 44 27.13 9 10 135 1 .66 431 1 2.24 1395 8 8.23 1924 20 15.39 2212 50 25.44 10 11 99 .50 338 2 1.79 1147 9 7.11 1581 25 13.44 1785 32 22.31 11 12 86 1 .43 298 1 1.61 972 12 6.42 1302 25 11.85 1470 21 19.85 12 13 77 .39 258 4 1.42 823 7 5.76 1081 18 10.59 1251 29 18.26 13 14 65 .34 208 1.19 682 9 5.12 910 12 9.65 1037 26 16.38 14 15 55 2 .29 176 2 1.04 576 3 4.61 781 10 8.98 880 20 15.05 15 16 41 .22 152 1 .94 429 9 3.65 567 6 7.09 620 24 11.47 16 17 35 .19 122 1 .81 341 3 3.10 458 10 6.18 505 18 10.15 17 18 25 .14 91 .64 256 3 2.51 353 10 5.15 377 17 8.26 18 19 21 .12 67 1 .50 210 2.23 279 4 4.41 295 6 7.08 19 20 15 .09 53 .42 145 4 1.67 211 13 3.61 217 9 5.73 20 21 6 .04 23 2 .20 53 2 .66 100 2 1.85 84 3 2.44 21 22 4 .03 12 2 .11 37 1 .50 61 1.23 65 5 2.09 22 23 2 .01 5 1 .05 23 1 .34 40 .88 37 2 1.31 23 24 1 .01 2 • • .02 7 . ■ .11 15 2 .36 17 1 .66 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 5599 38 35.83 2985 25 27.16 1564 17 19.08 927 13 14.83 496 4 10.17 1 2 4311 36 37.94 2343 36 29.29 1235 15 19.51 745 12 15.20 399 8 10.97 2 3 3851 32 36.58 2090 34 28.84 1105 31 20.22 680 23 16.32 363 11 11.65 3 4 3347 56 34.81 1815 35 27.23 956 21 19.22 584 15 15.42 319 13 11.29 4 5 2943 50 33.26 1621 31 26.42 841 30 18.42 526 9 15.31 277 14 10.80 5 6 2577 36 31.44 1432 36 25.06 709 21 17.02 473 20 15.18 227 8 9.74 6 7 2241 38 29.58 1254 26 23.83 622 19 16.42 406 22 14.37 201 10 9.47 7 8 1959 39 28.01 1109 37 22.85 543 17 15.80 344 21 13.42 168 11 8.67 8 9 1747 38 26.90 958 34 21.56 474 12 15.22 290 15 12.44 141 6 7.98 9 10 1507 35 25.17 793 34 19.59 415 15 14.69 236 15 11.12 110 9 6.79 10 11 1213 35 21.96 619 22 16.84 310 22 12.09 178 18 9.18 80 7 5.34 11 12 946 29 18.54 498 21 14.94 232 12 9.95 122 9 6.91 59 5 4.27 12 13 776 17 16.61 405 18 13.41 190 12 8.95 90 8 5.55 45 3 3.52 13 14 634 28 14.84 334 25 12.19 158 15 8.15 68 3 4.54 35 1 2.97 14 15 532 20 13.67 272 22 10.93 125 10 7.08 58 3 4.19 29 3 2.67 15 16 342 17 9.68 156 7 6.90 68 12 4.20 36 4 2.82 15 1.49 16 17 275 22 8.58 122 5 5.92 51 5 3.41 28 3 2.37 12 2 1.29 17 18 190 3 6.54 92 7 4.89 38 8 2.75 23 2.11 9 3 1.05 18 19 156 11 5.91 70 5 4.07 28 5 2.19 20 1 1.99 6 1 .76 19 20 114 3 4.75 49 5 3.10 18 3 1.53 16 2 1.73 5 3 .69 20 21 69 6 3.16 25 4 1.71 9 1 .83 11 2 1.29 1 1 .15 21 22 41 2 2.06 15 1.11 5 1 .50 5 .63 22 23 31 4 1.71 14 2 1.12 4 .43 4 .55 23 24 10 .60 6 1 .52 3 1 .35 1 .15 • . 24 89 TABLE I (Conii/iued) MEN INFLUENCE OF BUILD ON MORTALITY Height 5 Feet 7 Inches to 5 Feet 10 Inches Inclusive. Weight +50 to +60 Pounds Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 1009 4 3.33 4393 13 15.38 6110 23 22.61 6756 23 27.70 3916 16 18.41 1 2 678 5 3.05 3140 14 14.44 4481 22 21.51 5097 34 26.50 3015 22 19.30 2 3 567 1 2.61 2753 12 12.94 3968 19 19.44 4535 23 24.49 2688 20 18.55 3 4 487 1 2.29 2422 5 11.63 3452 11 17.26 3990 25 22.74 2385 19 17.89 4 5 440 4 2.11 2169 15 10.63 3106 15 16.15 3599 22 21.23 2155 16 17.24 5 6 384 1.84 1897 9 9.30 2751 15 14.58 3166 29 19.63 1900 20 16.15 6 7 338 2 1.66 1693 4 8.47 2465 14 13.31 2810 17 18.55 1697 25 15.44 7 8 291 2 1.43 1491 7 7.46 2184 11 12.01 2461 25 17.23 1475 21 14.46 8 9 259 1 1.27 1327 14 6.77 1984 17 11.31 2210 27 16.58 1321 23 14.00 9 10 229 2 1.12 1144 10 5.95 1719 15 10.14 1921 24 15.37 1134 28 13.04 10 11 190 1 .95 987 7 5.23 1478 8 9.16 1607 29 13.66 931 37 11.64 11 12 154 2 .77 841 12 4.54 1278 20 8.43 1321 24 12.02 733 16 9.90 12 13 132 1 .67 698 6 3.84 1091 16 7.64 1133 28 11.10 608 15 8.88 13 14 110 3 .57 583 4 3.32 923 15 6.92 935 28 9.91 515 17 8.14 14 15 84 .45 504 6 2.97 799 8 6.39 808 10 9.29 435 11 7.44 15 16 61 .33 384 3 2.38 608 9 5.17 580 11 7.25 293 6 5.42 16 17 46 .25 324 2.14 495 7 4.50 484 15 6.53 239 9 4.80 17 18 34 .19 252 1 1.76 383 5 3.75 386 18 5.64 175 8 3.83 18 19 25 .15 211 3 1.58 295 5 3.13 296 10 4.68 132 10 3.17 19 20 16 .10 143 1 1.14 206 5 2.37 206 10 3.52 94 5 2.48 20 21 4 .03 65 .55 103 2 1.29 85 2 1.57 42 2 1.22 21 22 3 .02 39 1 .35 62 5 .84 56 1 1.13 27 1 .87 22 23 2 .01 26 .25 38 3 .55 40 2 .88 16 1 .57 23 24 1 .01 14 .15 9 .14 17 1 .41 9 .35 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 2908 16 18.61 1321 14 12.02 496 5 6.05 276 4 4.42 144 3 2.95 1 2 2266 23 19.94 1087 14 13.59 416 9 6.57 216 7 4.41 120 3 3.30 2 3 2008 23 19.08 968 18 13.36 376 10 6.88 193 5 4.63 114 6 3.66 3 4 1745 19 18.15 870 19 13.05 330 7 6.63 169 3 4.46 94 8 3.33 4 5 1576 23 17.81 773 25 12.60 306 7 6.70 151 10 4.39 77 6 3.00 5 6 1417 25 17.29 667 15 11.67 261 13 6.26 127 7 4.08 61 4 2.62 6 7 1271 27 16.78 606 25 11.51 230 9 6.07 111 9 3.93 56 6 2.64 7 8 1098 30 15.70 522 17 10.75 204 6 5.94 95 7 3.71 41 1 2.12 8 9 955 25 14.71 456 16 10.26 186 10 5.97 76 3 3.26 38 1 2.15 9 10 822 27 13.73 387 16 9.56 154 7 5.45 65 3 3.06 33 1 2.04 10 11 647 21 11.71 299 14 8.13 114 7 4.45 45 1 2.32 23 3 1.54 11 12 518 19 10.15 242 25 7.26 96 6 4.12 34 3 1.92 18 2 1.30 12 13 431 19 9.22 189 11 6.26 79 4 3.72 29 5 1.79 14 2 1.10 13 14 339 12 7.93 153 14 5.58 61 5 3.15 19 4 1.27 10 1 .85 14 15 295 9 7.58 120 5 4.82 48 5 2.72 13 2 .94 9 1 .83 15 16 173 12 4.90 67 1 2.96 22 2 1.36 8 .63 4 .40 16 17 135 7 4.21 55 2 2.67 19 1 1.27 6 1 .51 4 1 .43 17 18 95 3 3.27 45 3 2.39 15 2 1.08 5 .46 3 .35 18 19 69 6 2.62 35 2 2.03 12 1 .94 5 .50 3 .38 19 20 50 2.09 29 4 1.83 10 2 .85 2 .22 3 1 .41 20 21 28 2 1.28 17 2 1.16 5 .46 2 .23 1 .15 21 22 14 1 .70 13 .96 1 .10 1 .13 1 1 .16 22 23 6 .33 11 .88 1 .11 1 1 .14 23 24 3 .18 6 .52 24 90 TABLE I (Continued) MEN INFLUENCE OF BUILD ON MORTALITY Height 5 Feet 7 Inches to 5 Feet 10 Inches Inclusive. Weight +65 to +80 Pounds Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 408 3 1.35 1089 5 3.81 1556 5 5.76 1533 11 6.29 925 7 4.35 1 2 287 1.29 784 6 3.61 1197 5 5.75 1186 5 6.17 718 8 4.60 2 3 250 1.15 688 2 3.23 1076 6 5.27 1081 9 5.84 643 3 4.44 3 4 216 1.02 615 3 2.95 971 2 4.86 963 4 5.49 586 10 4.40 4 5 183 3 .88 547 6 2.68 881 5 4.58 865 8 5.10 543 9 4.34 5 6 158 .76 484 1 2.37 795 7 4.21 787 6 4.88 493 5 4.19 6 7 140 2 .69 438 1 2.19 730 6 3.94 731 8 4.82 446 11 4.06 7 8 118 .58 397 • . 1.99 654 6 3.60 641 11 4.49 396 4 3.88 8 9 105 1 .51 353 3 1.80 591 6 3.37 582 11 4.37 362 4 3.84 9 10 89 .44 311 1 1.62 516 2 3.04 510 11 4.08 319 12 3.67 10 11 77 .39 269 2 1.43 452 6 2.80 420 7 3.57 258 9 3.23 11 12 67 1 .34 227 3 1.23 391 7 2.58 358 8 3.26 224 13 3.02 12 13 56 .29 190 1 1.05 335 2.35 294 5 2.88 182 4 2.66 13 14 42 .22 165 3 .94 281 2 2.11 252 4 2.67 143 2 2.26 14 15 35 .19 144 1 .85 250 8 2.00 221 3 2.54 121 8 2.07 15 16 29 2 .16 107 1 .66 189 6 1.61 140 3 1.75 72 1 1.33 16 17 21 1 .12 89 1 .59 156 6 1.42 117 8 1.58 66 5 1.33 17 18 14 .08 72 3 .50 121 2 1.19 84 2 1.23 46 3 1.01 18 19 11 .06 50 .38 97 3 1.03 66 2 1.04 42 1 1.01 19 20 9 .05 38 .30 62 2 .71 42 1 .72 25 .66 20 21 2 .01 18 2 .15 29 2 .36 25 1 .46 13 2 .38 21 22 2 .01 12 .11 11 .15 17 1 .34 5 .16 22 23 1 .01 9 .09 8 .12 10 .22 2 .07 23 24 1 .01 3 .03 4 .06 3 .07 2 .08 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Insur- Year to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths Year 1 700 6 4.48 270 3 2.46 107 1.31 66 1 1.06 22 .45 1 2 555 4 4.88 211 9 2.64 93 1.47 55 1.12 19 .52 2 3 511 11 4.85 187 4 2.58 86 7 1.57 53 1 1.27 18 .58 3 4 447 4 4.65 158 2.37 75 1 1.51 46 4 1.21 18 .64 4 5 403 4 4.55 148 4 2.41 71 4 1.55 40 2 1.16 15 .59 5 6 362 8 4.42 131 1 2.29 60 1 1.44 36 1.16 10 2 .43 6 7 326 6 4.30 124 1 2.36 53 3 1.40 36 2 1.27 8 .38 7 8 294 5 4.20 109 3 2.25 47 4 1.37 29 1 1.13 7 1 .36 8 9 264 7 4.07 98 2 2.21 38 3 1.22 27 1 1.16 6 .34 9 10 231 4 3.86 82 2 2.03 32 1.13 23 3 1.08 5 .31 10 11 190 5 3.44 63 3 1.71 30 1 1.17 12 2 .62 4 .27 11 12 161 2 3.16 53 4 1.59 22 1 .94 6 .34 3 .22 12 13 139 1 2.97 45 3 1.49 19 1 .89 3 1 .19 3 .23 13 14 106 2 2.48 37 6 1.35 17 .88 2 .13 2 .17 14 15 97 6 2.49 28 1 1.13 15 .85 2 .14 2 .18 15 16 58 4 1.64 18 3 .80 8 .49 1 .08 16 17 45 1 1.40 12 2 .58 6 .40 1 .08 17 18 34 1.17 7 .37 6 .43 18 19 29 4 1.10 7 .41 3 .23 19 20 21 1 .88 4 2 .25 3 .25 20 21 13 2 .60 1 .07 3 .28 21 22 5 .25 1 1 .07 3 3 .30 22 23 3 .17 23 24 3 1 .18 24 91 TABLE I (Continued) MEN INFLUENCE OF BUILD ON MORTALITY Height 5 Feet 7 Inches to 5 Feet 10 Inches Inclusive. Weight +85 and more Pounds Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 46 .15 129 .45 186 2 .69 216 1 .89 165 2 .78 1 2 32 .14 83 .38 145 3 .70 184 .96 139 .89 2 3 29 .13 70 .33 128 1 .63 172 2 .93 127 .88 3 4 23 .11 60 .29 116 .58 153 3 .87 114 1 .86 4 5 22 .11 56 .27 111 1 .58 139 2 .82 105 4 .84 5 6 19 .09 47 1 .23 106 1 .56 127 3 .79 94 2 .80 6 7 19 .09 42 .21 96 .52 116 .77 87 1 .79 7 8 18 .09 40 .20 91 1 .50 109 4 .76 81 4 .79 8 9 18 .09 39 1 .20 87 2 .50 99 2 .74 74 .78 9 10 16 .08 38 .20 78 .46 87 1 .70 68 .78 10 11 11 .06 33 .17 72 .45 66 1 .56 61 4 .76 11 12 11 .06 28 .15 63 2 .42 55 4 .50 48 2 .65 12 13 10 .05 23 .13 53 1 .37 42 .41 40 2 .58 13 14 7 .04 20 .11 45 4 .34 39 5 .41 32 2 .51 14 15 7 .04 17 .10 38 .30 25 2 .29 27 4 .46 15 16 5 .03 11 .07 25 .21 19 .24 10 .19 16 17 5 .03 9 .06 20 .18 18 2 .24 9 .18 17 18 4 .02 7 .05 18 1 .18 13 1 .19 8 1 .18 18 19 4 .02 7 1 .05 13 .14 11 .17 7 .17 19 20 4 .02 4 .03 12 .14 7 .12 5 2 .13 20 21 4 1 .03 3 .03 4 .05 3 .06 1 .03 21 22 2 .01 2 .02 3 .04 3 .06 22 23 2 .01 2 .03 2 .04 23 24 2 .02 2 1 .05 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 107 .68 31 • . .28 8 1 .10 7 .11 3 .06 1 2 91 1 .80 26 .33 5 .08 6 .12 2 .06 2 3 77 1 .73 26 .36 5 .09 6 .14 2 .06 3 4 73 .76 23 2 .35 5 .10 6 .16 2 .07 4 5 67 1 .76 19 2 .31 5 .11 6 .17 2 2 .08 5 6 59 1 .72 16 2 .28 5 .12 5 .16 6 7 57 2 .75 12 .23 5 1 .13 4 .14 7 8 49 4 .70 12 1 .25 4 .12 3 .12 8 9 44 3 .68 11 .25 4 .13 2 .09 9 10 36 2 .60 9 .22 4 .14 2 .09 10 11 23 .42 7 .19 2 .08 11 12 21 .41 6 .18 2 .09 12 13 18 2 .39 5 .17 2 .09 13 14 15 1 .35 4 .15 2 .10 14 15 11 1 .28 4 1 .16 2 .11 15 16 5 .14 3 1 .13 16 17 5 • • .16 1 .05 17 18 5 2 .17 1 1 .05 18 19 3 .11 19 20 2 .08 20 21 • . 21 22 22 23 • . • . 23 24 24 92 TABLE I (Continued) MEN INFLUENCE OF BUILD ON MORTALITY Height 5 Feet 11 Inches to 6 Feet 2 Inches Inclusive. Weight -50 and more Pounds Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 15 .05 50 .18 115 .42 258 1 1.06 221 3 1.04 1 2 6 .03 36 .17 82 .39 197 1.03 167 3 1.08 2 3 4 .02 30 .14 75 .36 173 2 .94 151 1.04 3 4 3 .01 26 .12 68 1 .35 158 .91 135 • . 1.02 4 5 3 .01 21 .10 55 1 .29 140 .83 119 1 .96 5 6 3 .01 16 .08 44 1 .24 129 .80 111 • . .95 6 7 3 .01 15 .08 39 .22 113 .75 98 3 .89 7 8 3 .01 10 .06 36 .20 101 1 .70 90 1 .88 8 9 3 .01 7 .04 35 1 .20 90 .68 75 1 .79 9 10 3 .01 7 .04 31 .19 84 2 .67 71 1 .82 10 11 1 .01 7 .04 29 2 .18 73 1 .62 63 1 .79 11 12 1 .01 5 .03 23 .16 68 .62 55 1 .74 12 13 1 .01 3 .02 18 .13 57 .56 50 1 .73 13 14 1 .01 2 .01 17 .13 52 .55 44 3 .70 14 15 1 .01 2 1 .01 15 .12 45 .52 36 2 .62 15 16 1 .01 15 .13 36 .45 27 .50 16 17 1 .01 9 .08 25 .33 20 1 .40 17 18 1 .01 7 .07 21 .30 17 .37 18 19 1 .01 6 .06 18 2 .29 14 .33 19 20 4 .05 13 1 .23 12 1 .32 20 21 2 .03 4 .07 4 .12 21 22 2 .03 2 • • .04 3 • . .09 22 23 1 .02 23 24 • • • • • • • • 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 263 2 1.68 123 1.12 61 .75 39 1 .62 27 .55 1 2 196 3 1.72 96 1.20 39 .61 32 1 .65 23 • . .63 2 3 169 1 1.61 89 1.23 37 1 .68 28 .67 20 3 .64 3 4 151 1 1.57 76 1.14 32 .64 26 1 .69 17 .60 4 5 140 1 1.58 63 1 1.02 25 .55 25 .73 15 .59 5 6 124 1 1.52 53 .93 24 .57 24 1 .77 15 2 .64 6 7 110 2 1.46 43 1 .82 24 2 .64 21 2 .74 12 1 .57 7 8 105 1 1.50 37 1 .76 22 1 .64 18 2 .70 11 .57 8 9 95 2 1.46 33 .74 20 1 .64 14 .60 11 .62 9 10 85 2 1.42 28 1 .69 16 .57 12 1 .57 11 1 .68 10 11 69 1 1.25 24 1 .66 10 .39 10 1 .52 9 .60 11 12 56 2 1.10 23 .69 8 .34 8 .45 7 .51 12 13 47 3 1.00 21 .70 8 1 .38 7 .43 6 .47 13 14 40 2 .93 18 1 .66 7 .36 7 2 .47 5 .42 14 15 32 .83 15 .60 7 .40 4 .29 4 1 .37 15 16 21 1 .59 9 .40 5 .31 4 .31 2 .20 16 17 17 .53 8 .39 4 .27 3 .25 2 .22 17 18 15 1 .52 8 1 .42 4 1 .29 2 .18 1 1 .12 18 19 9 .34 7 .41 2 .16 2 .20 19 20 4 .17 7 .44 2 .17 2 .22 20 21 2 .09 4 .27 • . • . 1 .12 21 22 1 .05 4 .30 • • 1 .13 22 23 2 .16 - - • • • • 23 24 • . 1 .09 • . • • • • • • 24 93 TABLE I {Continued) MEN INFLUENCE OF BUILD ON MORTALITY Height 5 Feet 11 Inches to 6 Feet 2 Inches Inclusive. Weight -35 to -45 Pounds Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 831 6 2.74 2767 8 9.68 5561 20 20.58 5603 18 22.97 4495 24 21.13 1 2 618 7 2.78 2128 14 9.79 4252 28 20.41 4284 28 22.28 3427 19 21.93 2 3 508 5 2.34 1831 11 8.61 3722 33 18.24 3736 25 20.17 3048 18 21.03 3 4 449 4 2.11 1633 11 7.84 3338 16 16.69 3297 19 18.79 2732 23 20.49 4 5 363 2 1.74 1413 8 6.92 2919 17 15.18 2892 17 17.06 2401 34 19.21 5 6 320 3 1.54 1270 6 6.22 2641 13 14.00 2598 22 16.11 2176 23 18.50 6 7 267 4 1.31 1084 7 5.42 2281 21 12.32 2229 14 14.71 1871 31 17.03 7 8 243 2 1.19 966 14 4.83 2054 12 11.30 2012 15 14.08 1665 20 16.32 8 9 203 2 .99 835 7 4.26 1795 7 10.23 1786 17 13.40 1450 14 15.37 9 10 177 .87 769 5 4.00 1630 11 9.62 1644 13 13.15 1325 18 15.24 10 11 146 .73 646 8 3.42 1351 8 8.38 1392 16 11.83 1099 19 13.74 11 12 128 2 .64 574 6 3.10 1207 8 7.97 1238 9 11.27 971 14 13.11 12 13 106 1 .54 488 3 2.68 1052 12 7.36 1058 7 10.37 827 7 12.07 13 14 89 .46 442 4 2.52 969 7 7.27 934 9 9.90 737 18 11.64 14 15 74 1 .39 378 4 2.23 818 6 6.54 786 6 9.04 625 6 10.69 15 16 58 .31 314 1.95 708 8 6.02 656 6 8.20 507 10 9.38 16 17 47 .26 258 2 1.70 574 1 5.22 529 8 7.14 410 2 8.24 17 18 41 .23 219 1 1.53 490 7 4.80 430 8 6.28 349 5 7.64 18 19 34 .20 174 1 1.31 380 4 4.03 335 1 5.29 290 1 6.96 19 20 28 .17 132 3 1.06 312 5 3.59 254 3 4.34 232 8 6.12 20 21 10 .06 60 .51 123 1 1.54 114 4 2.11 98 3 2.85 21 22 10 .07 45 .41 95 1.28 88 1 1.77 65 2 2.09 22 23 3 .02 28 .27 57 .83 54 1.18 30 1.06 23 24 2 .02 20 .21 33 .52 34 .82 20 .78 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 3324 19 21.27 1433 12 13.04 657 3 8.02 386 3 6.18 234 3 4.80 1 2 2489 20 21.90 1052 15 13.15 510 7 8.06 292 8 5.96 183 5 5.03 2 3 2187 19 20.78 922 10 12.72 449 6 8.22 251 2 6.02 164 3 5.26 3 4 1954 22 20.32 811 10 12.17 405 7 8.14 217 4 5.73 142 2 5.03 4 5 1705 20 19.27 726 11 11.83 367 6 8.04 183 6 5.33 123 6 4.80 5 6 1518 20 18.52 658 14 11.52 319 4 7.66 165 4 5.30 108 3 4.63 6 7 1311 18 17.31 553 11 10.51 274 2 7.23 142 3 5.03 93 4 4.38 7 8 1168 8 16.70 496 9 10.22 245 6 7.13 131 7 5.11 80 4 4.13 8 9 1033 16 15.91 429 10 9.65 209 10 6.71 108 3 4.63 62 4 3.51 9 10 922 9 15.40 387 3 9.56 179 14 6.34 89 4.19 50 3 3.09 10 11 777 6 14.06 302 4 8.21 129 8 5.03 73 3.77 35 1 2.34 11 12 692 19 13.56 261 5 7.83 107 2 4.59 64 2 3.62 33 3 2.39 12 13 582 11 12.45 220 2 7.28 91 2 4.29 55 2 3.39 24 4 1.88 13 14 521 9 12.19 193 7 7.04 77 3 3.97 49 5 3.27 16 1 1.36 14 15 447 11 11.49 160 3 6.43 64 2 3.62 40 3 2.89 12 1.10 15 16 318 2 9.00 107 3 4.73 43 2 2.65 30 1 2.35 9 1 .90 16 17 274 8 8.55 82 3 3.98 33 2.20 23 1 1.95 8 .86 17 18 222 6 7.64 67 3.56 27 3 1.95 21 1 1.93 8 .94 18 19 167 6.33 46 4 2.67 21 4 1.64 15 4 1.49 8 1.01 19 20 131 1 5.46 37 2 2.34 13 2 1.10 9 .97 7 .96 20 21 63 2 2.89 20 1 1.37 7 .64 6 1 .70 5 1 .74 21 22 48 1 2.41 14 1.04 4 .40 4 .51 2 .32 22 23 21 1 1.16 9 .72 2 .22 2 .27 1 .17 23 24 9 .54 6 .52 1 .19 24 94 TABLE I (Continued) MEN Height 5 Feet 11 Inches to 6 Feet 2 Inches Inclusive. Weight -25 to -30 Pounds INFLUENCE OF BUILD ON MORTALITY Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 8073 40 26.64 17225 78 60.29 19516 81 72.21 9145 39 37.49 4118 21 19.35 1 2 5871 39 26.42 12926 75 59.46 14796 77 71.02 6925 48 36.01 3081 27 19.72 2 3 5027 28 23.12 11270 65 52.97 12860 63 63.01 6031 33 32.57 2687 27 18.54 3 4 4382 32 20.60 9996 67 47.98 11420 73 57.10 5376 29 30.64 2401 13 18.01 4 5 3793 29 18.21 8725 41 42.75 10017 66 52.09 4678 42 27.60 2135 13 17.08 5 6 3339 31 16.03 7828 43 38.36 9024 47 47.83 4154 21 25.75 1920 20 16.32 6 7 2786 17 13.65 6716 43 33.58 7865 58 42.47 3641 25 24.03 1686 13 15.34 7 8 2496 12 12.23 6031 39 30.16 7013 49 38.57 3279 33 22.95 1544 21 15.13 8 9 2179 14 10.68 5246 42 26.75 6065 46 34.57 2889 16 21.67 1360 11 14.42 9 10 1944 15 9.53 4688 33 24.38 5445 37 32.13 2623 19 20.98 1243 12 14.29 10 11 1542 10 7.71 3825 28 20.27 4519 33 28.02 2159 17 18.35 1031 8 12.89 11 12 1351 5 6.76 3368 15 18.19 3992 22 26.35 1890 18 17.20 915 9 12.35 12 13 1083 9 5.52 2836 20 15.60 3424 31 23.97 1599 11 15.67 806 14 11.77 13 14 971 6 5.05 2542 16 14.49 3071 19 23.03 1399 22 14.83 713 16 11.27 14 15 807 5 4.28 2099 12 12.38 2629 22 21.03 1164 11 13.39 586 4 10.02 15 16 651 2 3.52 1754 13 10.87 2160 16 18.36 941 11 11.76 448 5 8.29 16 17 521 6 2.87 1407 8 9.29 1729 10 15.73 754 10 10.18 370 3 7.44 17 18 422 1 2.36 1201 10 8.41 1471 12 14.42 615 6 8.98 310 3 6.79 18 19 315 1 1.83 922 5 6.92 1130 8 11.98 502 9 7.93 253 4 6.07 19 20 243 1 1.48 718 3 5.74 901 14 10.36 400 4 6.84 203 3 5.36 20 21 98 .63 295 5 2.51 368 2 4.60 174 4 3.22 95 1 2.76 21 22 66 .45 203 6 1.85 266 4 3.59 136 2.73 77 4 2.47 22 23 40 .29 114 1.12 141 2 2.06 82 3 1.80 43 2 1.52 23 24 24 .19 53 3 .56 73 1 1.15 44 2 1.06 17 .66 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 1331 6 8.52 564 6 5.13 225 2 2.75 143 1 2.29 27 .55 1 2 972 8 8.55 413 2 5.16 168 3 2.65 114 1 2.33 23 1 .63 2 3 859 15 8.16 369 4 5.09 146 1 2.67 106 2 2.54 21 .67 3 4 769 5 8.00 323 4 4.85 126 5 2.53 94 3 2.48 18 2 .64 4 5 667 9 7.54 287 2 4.68 114 2 2.50 86 2 2.50 16 .62 5 6 606 2 7.39 259 4 4.53 102 3 2.45 78 2.50 14 1 .60 6 7 542 7 7.15 221 7 4.20 89 2 2.35 72 4 2.55 13 .61 7 8 500 9 7.15 200 3 4.12 78 2.27 64 2.50 13 1 .67 8 9 444 6 6.84 178 6 4.01 74 1 2.38 61 1 2.62 10 .57 9 10 400 7 6.68 154 4 3.80 66 5 2.34 54 1 2.54 9 2 .56 10 11 329 3 5.95 109 2 2.96 49 2 1.91 38 1 1.96 6 .40 11 12 298 6 5.84 91 2 2.73 42 1 1.80 37 2.09 6 1 .43 12 13 247 3 5.29 77 2.55 32 1 1.51 31 1.91 4 1 .31 13 14 215 4 5.03 69 2 2.52 27 1 1.39 29 3 1.94 2 .17 14 15 186 1 4.78 58 2 2.33 22 1.25 22 3 1.59 1 .09 15 16 135 2 3.82 44 2 1.94 17 1.05 9 1 .70 16 17 108 4 3.37 32 1.55 14 .94 6 .51 17 18 93 2 3.20 29 1.54 11 .80 6 1 .55 18 19 75 3 2.84 24 2 1.39 10 .78 5 1 .50 19 20 57 2.38 16 1.01 8 1 .68 4 .43 20 21 28 1.28 11 .75 3 .28 3 .35 21 22 20 1 1.01 8 .59 2 .20 3 .38 22 23 11 1 .61 7 2 .56 1 .11 2 2 .27 23 24 3 1 .18 4 1 .35 • . • 2 24 95 TABLE I (Continued) MEN INFLUENCE OF BUILD ON MORTALITY Height 5 Feet 11 Inches to 6 Feet 2 Inches Inclusive. Weight -15 to -20 Pounds Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 26010 93 85.83 16843 48 58.95 1763 11 6.52 1244 14 5.10 809 5 3.80 1 2 18622 121 83.80 12317 56 56.66 1349 5 6.48 923 3 4.80 599 3.83 2 3 15820 103 72.77 10770 55 50.62 1263 3 6.19 859 2 4.64 549 3 3.79 3 4 13767 98 64.70 9517 46 45.68 1179 8 5.90 774 5 4.41 506 5 3.80 4 5 11826 63 56.76 8385 46 41.09 1102 7 5.73 736 10 4.34 480 7 3.84 5 6 10447 62 50.15 7554 62 37.01 1049 7 5.56 693 5 4.30 456 2 3.88 6 7 8818 46 43.21 6542 32 32.71 1016 4 5.49 667 4 4.40 438 3 3.99 7 8 7765 56 38.05 5924 33 29.62 983 4 5.41 647 3 4.53 424 3 4.16 8 9 6639 34 32.53 5196 24 26.50 958 5 5.46 632 2 4.74 413 5 4.38 9 10 5790 39 28.37 4629 32 24.07 863 7 5.09 564 6 4.51 368 2 4.23 10 11 4645 31 23.23 3799 28 20.13 697 3 4.32 455 10 3.87 277 2 3.46 11 12 4045 29 20.23 3327 24 17.97 630 5 4.16 391 3 3.56 241 3.25 12 13 3309 15 16.88 2768 32 15.22 539 2 3.77 343 4 3.36 215 2 3.14 13 14 2883 18 14.99 2445 13 13.94 482 3 3.62 298 2 3.16 188 2 2.97 14 15 2343 16 12.42 2017 11 11.90 408 3.26 243 3 2.79 156 2.67 15 16 1898 14 10.25 1641 8 10.17 332 2.82 193 1 2.41 129 2.39 16 17 1477 9 8.12 1328 6 8.76 270 2 2.46 154 2 2.08 104 2 2.09 17 18 1182 6 6.62 1102 10 7.71 217 2.13 113 1.65 78 1 1.71 18 19 870 5 5.05 852 4 6.39 167 4 1.77 91 1 1.44 64 1 1.54 19 20 680 7 4.15 670 4 5.36 130 1.50 70 1.20 49 1 1.29 20 21 269 1 1.72 298 1 2.53 57 .71 32 2 .59 20 2 .58 21 22 173 1.18 208 3 1.89 35 1 .47 21 2 .42 11 1 .35 22 23 104 1 .76 116 1 1.14 22 .32 13 .28 8 1 .28 23 24 52 .41 61 .65 10 .16 9 .22 2 .08 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 447 5 2.86 191 2 1.74 78 2 .95 46 2 .74 25 .51 1 2 324 5 2.85 151 1 1.89 60 .95 32 .65 19 .52 2 3 296 1 2.81 142 1.96 54 3 .99 30 .72 19 1 .61 3 4 261 3 2.71 126 1 1.89 47 1 .94 29 1 .77 17 1 .60 4 5 244 1 2.76 121 1 1.97 44 .96 26 1 .76 16 .62 5 6 234 2.85 116 2 2.03 43 2 1.03 24 .77 15 2 .64 6 7 226 6 2.98 109 3 2.07 37 1 .98 24 .85 13 1 .61 7 8 215 2 3.07 104 2 2.14 32 .93 24 .94 12 .62 8 9 207 3 3.19 100 3 2.25 31 1.00 23 1 .99 12 1 .68 9 10 180 3 3.01 91 2.25 29 1.03 21 .99 9 1 .56 10 11 129 4 2.33 71 4 1.93 21 .82 16 .83 6 1 .40 11 12 112 5 2.20 59 3 1.77 17 .73 15 .85 4 .29 12 13 97 4 2.08 50 1.66 17 .80 11 1 .68 3 .23 13 14 82 4 1.92 42 1 1.53 17 .88 9 1 .60 2 .17 14 15 67 1.72 31 1 1.25 15 1 .85 6 .43 2 .18 15 16 48 2 1.36 24 2 1.06 9 .56 3 .23 1 1 .10 16 17 33 1 1.03 19 . • .92 5 .33 3 .25 17 18 28 3 .96 13 2 .69 3 .22 3 .28 18 19 19 2 .72 9 .52 3 .23 3 .30 19 20 10 .42 8 1 .51 2 .17 2 .22 20 21 4 2 .18 4 • . .27 1 .09 2 2 .23 21 22 1 • . .05 4 .30 1 .10 22 23 • . • • 2 1 .16 1 .11 - . 23 24 1 .09 1 .12 . . • • 24 96 TABLE I (Continued) MEN INFLUENCE OF BUILD ON MORTALITY Height 5 Feet 11 Inches to 6 Feet 2 Inches Inclusive. Weight -10 Pounds Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 940 4 3.10 1190 13 4.17 1102 3 4.08 692 3 2.84 445 2 2.09 1 2 665 4 2.99 867 5 3.99 792 5 3.80 521 3 2.71 325 1 2.08 2 3 611 2 2.81 802 7 3.77 732 6 3.59 472 2 2.55 295 1 2.04 3 4 563 5 2.65 726 5 3.48 673 3 3.37 426 2 2.43 268 2.01 4 5 530 2 2.54 687 3.37 629 4 3.27 395 2.33 253 3 2.02 5 6 502 1 2.41 663 5 3.25 598 2 3.17 377 1 2.34 232 1.97 6 7 482 1 2.36 640 3 3.20 571 2 3.08 363 2 2.40 225 3 2.05 7 8 472 2.31 623 6 3.12 555 7 3.05 354 1 2.48 219 2 2.15 8 9 463 3 2.27 610 1 3.11 531 2 3.03 346 4 2.60 213 2 2.26 9 10 402 1.97 554 4 2.88 477 2 2.81 313 2 2.50 192 3 2.21 10 11 309 1 1.55 429 2.27 392 5 2.43 245 2.08 156 2 1.95 11 12 269 1.35 383 3 2.07 340 5 2.24 232 5 2.11 132 2 1.78 12 13 232 1 1.18 321 3 1.77 298 1 2.09 191 1 1.87 118 1 1.72 13 14 194 1.01 285 1 1.62 266 1 2.00 168 3 1.78 91 2 1.44 14 15 164 .87 229 3 1.35 234 3 1.87 136 1.56 72 1.23 15 16 142 2 .77 195 1.21 190 1.62 98 2 1.23 58 1.07 16 17 110 .61 150 .99 150 2 1.37 77 1.04 50 1.01 17 18 93 .52 117 1 .82 122 1 1.20 62 2 .91 41 .90 18 19 70 .41 88 .66 83 .88 45 1 .71 30 .72 19 20 53 .32 73 3 .58 64 1 .74 35 2 .60 24 2 .63 20 21 19 1 .12 28 .24 29 1 .36 11 .20 7 .20 21 22 14 .10 20 .18 18 .24 9 1 .18 3 .10 22 23 11 .08 12 .12 11 .16 5 .11 1 1 .04 23 24 7 .05 6 .06 3 .05 2 .05 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 262 2 1.68 122 1.11 43 .52 19 .30 16 .33 1 2 189 1 1.66 84 1 1.05 31 .49 13 .27 13 1 .36 2 3 173 5 1.64 80 1 1.10 30 1 .55 13 .31 10 1 .32 3 4 157 1.63 76 1.14 27 .54 12 .32 9 .32 4 5 150 1 1.70 68 1 1.11 26 .57 10 .29 8 .31 5 6 140 2 1.71 65 1.14 26 2 .62 10 1 .32 8 1 .34 6 7 131 1.73 62 1.18 22 .58 9 .32 7 .33 7 8 128 3 1.83 61 4 1.26 21 .61 9 .35 7 .36 8 9 123 1 1.89 55 1.24 21 1 .67 8 .34 7 .40 9 10 110 1.84 47 4 1.16 18 2 .64 6 1 .28 5 .31 10 11 92 1 1.67 33 1 .90 12 .47 2 .10 2 .13 11 12 77 2 1.51 29 .87 9 .39 2 .11 2 .14 12 13 67 3 1.43 22 2 .73 8 .38 2 .12 2 .16 13 14 49 2 1.15 17 .62 7 .36 2 .13 2 1 .17 14 15 38 1 .98 16 1 .64 7 .40 1 .07 1 .09 15 16 28 1 .79 7 2 .31 3 .19 1 .10 16 17 19 .59 3 .15 3 .20 1 .11 17 18 14 1 .48 3 .16 3 .22 1 .12 18 19 9 .34 2 .12 3 1 .23 1 .13 19 20 8 .33 1 .06 2 .17 1 .14 20 21 4 .18 1 .07 1 1 .09 21 22 2 .10 1 .07 • . 22 23 • . 23 24 • • • • 24 97 TABLE I (Continued) MEN Height 5 Feet 11 Inches to 6 Feet 2 Inches Inclusive. Weight -5 Pounds INFLUENCE OF BUILD ON MORTALITY Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 912 4 3.01 1300 8 4.55 1037 6 3.84 700 3 2.87 413 4 1.94 1 2 655 2 2.95 920 2 4.23 767 1 3.68 495 5 2.57 297 3 1.90 2 3 591 6 2.72 839 3 3.94 706 3 3.46 453 4 2.45 267 2 1.84 3 4 535 3 2.51 760 3 3.65 657 5 3.29 407 2 2.32 243 1 1.82 4 5 502 6 2.41 715 3 3.50 613 7 3.19 375 2 2.21 233 1.86 5 6 471 2.26 670 3 3.28 586 2 3.11 358 3 2.22 221 3 1.88 6 7 453 2.22 644 4 3.22 571 3 3.08 343 3 2.26 211 1.92 7 8 438 3 2.15 619 2 3.10 551 4 3.03 336 4 2.35 206 3 2.02 8 9 421 1 2.06 604 4 3.08 538 2 3.07 324 1 2.43 194 1 2.06 9 10 379 2 1.86 538 1 2.80 495 2 2.92 287 1 2.30 176 2 2.02 10 11 300 1 1.50 430 2 2.28 400 2.48 227 1 1.93 134 2 1.68 11 12 269 2 1.35 384 1 2.07 356 2 2.35 197 1 1.79 122 2 1.65 12 13 225 1 1.15 324 1 1.78 304 2 2.13 167 3 1.64 106 1.55 13 14 194 1 1.01 285 2 1.62 276 1 2.07 139 1 1.47 87 1 1.37 14 15 157 1 .83 243 1.43 243 1 1.94 117 1.35 76 1.30 15 16 123 .66 198 1 1.23 183 1.56 91 1.14 66 2 1.22 16 17 92 1 .51 163 2 1.08 148 2 1.35 64 .86 56 1 1.13 17 18 79 2 .44 137 1 .96 110 2 1.08 49 .72 46 3 1.01 18 19 58 • . .34 106 1 .80 75 • . .80 35 .55 37 1 .89 19 20 47 1 .29 77 • • .62 56 • . .64 25 .43 28 2 .74 20 21 17 .11 40 1 .34 26 2 .33 13 .24 14 .41 21 22 10 • . .07 26 • . .24 19 1 .26 9 .18 8 .26 22 23 7 • • .05 19 .19 10 1 .15 4 .09 4 .14 23 24 2 .02 9 .10 2 .03 2 .05 2 .08 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 213 3 1.36 110 1 1.00 41 .50 29 1 .46 11 .23 1 2 153 1 1.35 74 1 .93 33 .52 22 .45 11 .30 2 3 138 1 1.31 60 • . .83 32 .59 20 .48 8 .26 3 4 126 2 1.31 58 2 .87 31 .62 20 .53 8 .28 4 5 115 2 1.30 56 1 .91 27 .59 19 2 .55 7 .27 5 6 106 1.29 54 1 .95 26 .62 16 1 .51 6 .26 6 7 102 1.35 52 1 .99 24 .63 15 1 .53 6 .28 7 8 101 1 1.44 47 .97 23 .67 14 1 .55 6 1 .31 8 9 98 3 1.51 46 1 1.04 23 .74 12 1 .51 5 1 .28 9 10 86 • . 1.44 37 .91 15 1 .53 11 . - .52 2 .12 10 11 72 1 1.30 28 1 .76 9 .35 8 .41 2 .13 11 12 59 3 1.16 20 .60 8 .34 8 .45 2 .14 12 13 49 1 1.05 18 .60 7 1 .33 7 . - .43 2 .16 13 14 44 1.03 17 .62 4 .21 7 1 .47 1 .08 14 15 39 • . 1.00 15 .60 3 .17 6 .43 1 1 .09 15 16 34 1 .96 12 .53 2 .12 5 2 .39 16 17 29 1 .90 7 2 .34 1 .07 3 1 .25 17 18 24 1 .83 5 .27 1 1 .07 2 .18 18 19 17 2 .64 5 .29 1 1 .10 19 20 12 1 .50 2 .13 20 21 4 • . .18 • . 21 22 4 .20 22 23 4 • • .22 23 24 1 .06 • • 24 98 TABLE I (Continued) MEN INFLUENCE OF BUILD ON MORTALITY Height 5 Feet 11 Inches to 6 Feet 2 Inches Inclusive. Average Weight Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 916 3 3.02 1229 8 4.30 936 2 3.46 666 1 2.73 411 2 1.93 1 2 643 6 2.89 878 2 4.04 674 5 3.24 480 4 2.50 305 4 1.95 2 3 588 5 2.70 798 2 3.75 625 4 3.06 443 2 2.39 280 3 1.93 3 4 534 4 2.51 726 6 3.48 574 4 2.87 407 2.32 265 2 1.99 4 5 501 1 2.40 683 1 3.35 546 2 2.84 383 1 2.26 247 3 1.98 5 6 475 3 2.28 651 4 3.19 523 5 2.77 373 7 2.31 234 1 1.99 6 7 454 4 2.22 636 2 3.18 497 2 2.68 352 1 2.32 225 3 2.05 7 8 437 3 2.14 618 3 3.09 482 2 2.65 340 4 2.38 220 1 2.16 8 9 428 1 2.10 602 4 3.07 467 2 2.66 332 1 2.49 217 5 2.30 9 10 376 4 1.84 548 4 2.85 437 5 2.58 301 1 2.41 192 2 2.21 10 11 291 3 1.46 450 2 2.39 335 5 2.08 245 2.08 150 1 1.88 11 12 255 2 1.28 409 1 2.21 301 1 1.99 217 1.97 140 3 1.89 12 13 205 1 1.05 356 6 1.96 262 3 1.83 191 2 1.87 124 1 1.81 13 14 172 1 .89 297 1.69 218 1 1.64 161 3 1.71 111 1.75 14 15 150 .80 250 1 1.48 192 2 1.54 136 1.56 98 3 1.68 15 16 111 1 .60 203 4 1.26 140 1 1.19 112 1 1.40 66 1 1.22 16 17 86 1 .47 157 2 1.04 110 2 1.00 82 1.11 51 3 1.03 17 18 71 .40 124 1 .87 86 .84 68 3 .99 41 2 .90 18 19 51 .30 100 .75 66 1 .70 51 1 .81 30 .72 19 20 39 1 .24 72 .58 54 .62 40 .68 26 1 .69 20 21 18 .12 30 .26 21 .26 15 .28 11 .32 21 22 9 .06 22 .20 15 1 .20 12 .24 6 .19 22 23 6 .04 14 .14 11 .16 7 1 .15 2 .07 23 24 3 .02 6 .06 5 .08 4 .10 1 .04 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed taRisk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 198 1.27 104 .95 51 .62 16 1 .26 13 .27 1 2 153 1 1.35 76 1 .95 43 1 .68 11 .22 12 1 .33 2 3 144 2 1.37 69 .95 38 2 .70 10 .24 9 1 .29 3 4 133 3 1.38 61 .92 36 .72 10 1 .26 8 1 .28 4 5 122 1.38 57 .93 32 .70 7 .20 6 .23 5 6 114 1 1.39 51 .89 31 .74 7 .22 5 .21 6 7 110 5 1.45 49 .93 30 1 .79 7 .25 5 .24 7 8 103 2 1.47 47 2 .97 29 2 .84 5 .20 5 1 .26 8 9 96 2 1.48 45 1.01 24 .77 5 .21 4 1 .23 9 10 90 1.50 41 1.01 19 • • .67 4 .19 3 .19 10 11 69 1.25 21 1 .57 14 .55 4 .21 3 .20 11 12 64 2 1.25 17 1 .51 12 1 .51 3 .17 2 .14 12 13 55 1 1.18 14 1 .46 9 .42 1 1 .06 2 .16 13 14 49 1.15 12 .44 7 .36 2 .17 14 15 44 1 1.13 11 .44 6 1 .34 2 .18 15 16 32 .91 5 1 .22 3 1 .19 16 17 27 1 .84 3 .15 2 .13 17 18 20 .69 3 .16 1 .07 18 19 13 .49 3 .17 19 20 9 .38 2 .13 20 21 7 .32 1 .07 21 22 6 1 .30 1 .07 22 23 1 .08 23 24 1 1 .09 24 99 TABLE I (Continued) MEN Height 5 Feet 11 Inches to 6 Feet 2 Inches Inclusive. Weight +5 Pounds INFLUENCE OF BUILD ON MORTALITY Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Insur- Year to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths Year 1 718 2.37 923 10 3.23 743 3 2.75 567 3 2.32 370 3 1.74 1 2 502 5 2.26 637 1 2.93 541 2 2.60 430 1 2.24 265 6 1.70 2 3 446 3 2.05 593 1 2.79 499 2 2.45 386 2.08 236 2 1.63 3 4 404 1.90 543 2 2.61 464 2 2.32 353 4 2.01 219 1 1.64 4 5 384 2 1.84 514 1 2.52 438 1 2.28 331 2 1.95 203 2 1.62 5 6 365 2 1.75 490 4 2.40 418 2 2.22 316 3 1.96 194 1 1.65 6 7 351 4 1.72 469 1 2.35 401 3 2.17 302 1 1.99 190 2 1.73 7 8 340 1 1.67 458 1 2.29 381 3 2.10 285 2 2.00 183 1 1.79 8 9 327 2 1.60 446 2 2.27 373 2 2.13 275 1 2.06 177 1 1.88 9 10 305 1 1.49 403 6 2.10 335 2 1.98 247 1 1.98 160 1 1.84 10 11 237 1.19 325 2 1.72 268 3 1.66 197 2 1.67 121 3 1.51 11 12 203 3 1.02 278 1 1.50 228 3 1.50 170 1 1.55 106 1 1.43 12 13 164 3 .84 234 1 1.29 192 2 1.34 151 1.48 92 3 1.34 13 14 139 .72 211 1.20 173 1 1.30 131 2 1.39 81 4 1.28 14 15 109 1 .58 174 1 1.03 146 1 1.17 103 1 1.18 70 1.20 15 16 87 1 .47 144 1 .89 113 1 .96 78 .98 52 .96 16 17 67 1 .37 115 1 .76 84 .76 66 .89 40 .80 17 18 55 1 .31 94 1 .66 65 1 .64 53 3 .77 33 .72 18 19 39 .23 57 1 .43 49 1 .52 41 1 .65 27 .65 19 20 29 .18 43 .34 35 1 .40 30 1 .51 19 1 .50 20 21 17 .11 8 .07 14 .18 12 1 .22 7 .20 21 22 11 .07 4 .04 11 .15 8 .16 2 .06 22 23 5 .04 2 .02 6 .09 4 .09 1 .04 23 24 2 .02 1 .01 2 .03 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 189 3 1.21 86 .78 45 .55 23 .37 8 .16 1 2 145 1 1.28 63 .79 38 .60 18 .37 6 .17 2 3 132 1.25 59 .81 34 .62 17 .41 5 .16 3 4 120 1 1.25 50 .75 32 .64 15 .40 5 .18 4 5 112 2 1.27 47 .77 31 .68 15 .44 5 .20 5 6 106 1 1.29 44 1 .77 31 .74 15 .48 5 .21 6 7 99 1 1.31 40 1 .76 31 .82 13 .46 5 .24 7 8 97 1 1.39 38 .78 29 .84 13 1 .51 5 .26 8 9 94 1 1.45 38 3 .86 27 2 .87 12 .51 5 1 .28 9 10 85 2 1.42 34 2 .84 19 1 .67 12 .57 4 1 .25 10 11 60 1 1.09 24 2 .65 13 .51 8 1 .41 3 .20 11 12 53 2 1.04 19 3 .57 11 1 .47 6 1 .34 2 .14 12 13 47 1.01 12 2 .40 9 1 .42 4 1 .25 2 1 .16 13 14 38 4 .89 9 .33 7 .36 3 2 .20 1 .08 14 15 31 1 .80 7 .28 6 1 .34 1 .07 1 .09 15 16 19 .54 5 .22 4 .25 1 .08 1 .10 16 17 12 .37 4 .19 3 1 .20 1 .11 17 18 11 .38 3 .16 2 .14 1 .12 18 19 7 .27 2 .12 2 .16 1 .13 19 20 7 .29 2 .13 2 .17 1 1 .14 20 21 3 .14 1 .07 2 .18 21 22 3 .15 1 .07 1 .10 - . 22 23 1 1 .08 1 .11 23 24 24 100 TABLE I (Continued') MEN INFLUENCE OF BUILD ON MORTALITY Height 5 Feet 11 Inches to 6 Feet 2 Inches Inclusive. Weight +10 Pounds Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 569 1 1.88 695 7 2.43 632 2 2.34 521 4 2.14 327 2 1.54 1 2 372 3 1.67 493 1 2.27 467 2 2.24 396 2.06 243 1 1.56 2 3 342 2 1.57 448 1 2.11 422 1 2.07 361 1.95 230 1 1.59 3 4 303 2 1.42 403 1 1.93 392 3 1.96 336 4 1.92 213 1 1.60 4 5 280 1 1.34 376 5 1.84 369 2 1.92 307 2 1.81 198 1 1.58 5 6 268 1.29 356 5 1.74 352 2 1.87 291 1.80 187 2 1.59 6 7 259 • • 1.27 339 2 1.70 342 1.85 280 1 1.85 182 3 1.66 7 8 251 • • 1.23 324 2 1.62 340 1 1.87 271 2 1.90 167 1 1.64 8 9 248 3 1.22 316 1.61 332 1 1.89 261 1.96 163 1.73 9 10 219 2 1.07 285 3 1.48 309 5 1.82 237 1.90 149 2 1.71 10 11 173 .87 230 1.22 242 1 1.50 175 2 1.49 114 1.43 11 12 154 .77 203 1.10 221 4 1.46 156 1 1.42 101 1 1.36 12 13 130 .66 171 1 .94 193 1 1.35 136 2 1.33 89 2 1.30 13 14 117 .61 150 .86 171 1 1.28 114 1 1.21 75 1.19 14 15 92 .49 131 .77 145 1.16 92 1.06 63 1.08 15 16 75 .41 109 2 .68 121 1 1.03 75 1 .94 48 1 .89 16 17 59 .32 89 .59 104 1 .95 59 .80 39 .78 17 18 44 .25 77 .54 87 1 .85 50 .73 37 3 .81 18 19 32 .19 59 .44 66 1 .70 40 .63 25 1 .60 19 20 23 .14 42 .34 51 1 .59 31 .53 20 .53 20 21 6 .04 15 .13 18 1 .23 10 .19 3 .09 21 22 5 .03 10 1 .09 11 .15 9 1 .18 1 1 .03 22 23 4 .03 6 1 .06 5 .07 3 .07 23 24 3 .02 4 .04 3 .05 3 .07 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 206 1.32 88 1 .80 33 .40 29 .46 11 .23 1 2 160 2 1.41 68 .85 27 1 .43 20 .41 11 .30 2 3 145 2 1.38 64 1 .88 24 .44 17 1 .41 10 .32 3 4 138 1 1.44 60 .90 21 .42 15 1 .40 9 1 .32 4 5 129 1.46 58 .95 20 .44 14 2 .41 8 .31 5 6 126 6 1.54 58 1.02 19 .46 11 .35 8 .34 6 7 118 4 1.56 56 1.06 19 .50 11 .39 8 .38 7 8 111 3 1.59 53 3 1.09 19 .55 10 1 .39 8 .41 8 9 107 1 1.65 47 2 1.06 19 .61 9 .39 8 .45 9 10 95 3 1.59 40 1 .99 18 2 .64 8 .38 8 1 .49 10 11 72 1 1.30 34 4 .92 13 .51 5 .26 5 1 .33 11 12 61 3 1.20 26 2 .78 11 1 .47 5 .28 4 1 .29 12 13 49 1 1.05 21 .70 9 .42 4 .25 3 1 .23 13 14 39 • . .91 20 2 .73 7 .36 4 1 .27 1 .08 14 15 33 1 .85 17 1 .68 7 .40 3 .22 1 1 .09 15 16 23 1 .65 10 .44 4 .25 1 .08 16 17 16 1 .50 8 .39 2 .13 17 18 14 • . .48 6 1 .32 2 .14 18 19 11 1 .42 4 1 .23 1 .08 19 20 9 .38 3 .19 20 21 6 .27 3 .21 21 22 4 .20 3 .22 22 23 4 .22 3 .24 23 24 1 .06 1 .09 24 101 TABLE I {Continued) MEN Height 5 Feet 11 Inches to 6 Feet 2 Inches Inclusive. Weight 4-15 to 4-20 Pounds INFLUENCE OF BUILD ON MORTALITY Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 639 3 2.11 921 7 3.22 863 3 3.19 834 7 3.42 520 1 2.44 1 2 420 6 1.89 645 4 2.97 650 6 3.12 633 1 3.29 386 6 2.47 2 3 374 2 1.72 593 3 2.79 599 2 2.94 585 3 3.16 353 2 2.44 3 4 342 2 1.61 558 1 2.68 559 3 2.80 531 3 3.03 326 3 2.45 4 5 321 2 1.54 520 2 2.55 527 2 2.74 503 3 2.97 312 4 2.50 5 6 309 1 1.48 499 3 2.45 507 5 2.69 477 3 2.96 298 4 2.53 6 7 301 1.47 472 2 2.36 484 3 2.61 457 2 3.02 284 4 2.58 7 8 286 1 1.40 455 5 2.28 466 3 2.56 444 3 3.11 276 2.70 8 9 282 1 1.38 441 1 2.25 457 4 2.60 435 1 3.26 272 1 2.88 9 10 254 1 1.24 391 2.03 412 1 2.43 392 4 3.14 233 3 2.68 10 11 191 .96 304 1 1.61 330 2 2.05 307 2 2.61 177 1 2.21 11 12 162 2 .81 275 3 1.49 291 2 1.92 272 2 2.48 156 1 2.11 12 13 130 2 .66 233 1 1.28 240 1 1.68 231 2.26 124 1 1.81 1? 14 113 1 .59 204 2 1.16 216 1 1.62 206 2 2.18 113 1 1.79 14 15 82 1 .43 167 1 .99 179 2 1.43 163 2 1.87 94 3 1.61 15 16 73 1 .39 129 1 .80 127 1 1.08 129 2 1.61 69 4 1.28 16 17 59 .32 99 .65 93 2 .85 104 1 1.40 56 3 1.13 17 18 43 .24 84 .59 76 2 .74 88 2 1.28 42 .92 18 19 32 1 .19 68 .51 53 .56 66 1 1.04 34 2 .82 19 20 22 .13 45 .36 44 .51 53 2 .91 27 1 .71 20 21 7 .04 22 .19 13 .16 17 .31 13 1 .38 21 22 4 .03 19 .17 9 .12 9 1 .18 8 .26 22 23 3 .02 9 .09 4 .06 5 .11 6 .21 23 24 5 .05 3 .05 2 .05 4 .16 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 298 1 1.91 151 3 1.37 58 .71 36 .58 24 1 .49 1 2 230 3 2.02 116 1.45 44 .70 29 1 .59 18 .50 2 3 215 1 2.04 108 2 1.49 38 .70 27 .65 16 .51 3 4 194 3 2.02 99 1 1.49 37 1 .74 26 .69 15 3 .53 4 5 183 3 2.07 93 3 1.52 35 1 .77 26 .76 12 1 .47 5 6 164 6 2.00 87 2 1.52 32 .77 25 1 .80 11 .47 6 7 153 1 2.02 85 1 1.62 31 1 .82 23 1 .81 11 .52 7 8 148 5 2.12 83 1 1.71 28 1 .81 21 4 .82 11 1 .57 8 9 139 2 2.14 81 3 1.82 26 1 .83 16 .69 10 2 .57 9 10 127 3 2.12 71 3 1.75 21 1 .74 14 1 .66 8 .49 10 11 95 3 1.72 55 1 1.50 16 .62 9 .46 7 1 .47 11 12 79 1.55 48 1.44 9 .39 7 1 .40 6 .43 12 13 73 2 1.56 46 4 1.52 5 .24 6 .37 5 .39 13 14 61 1 1.43 36 1.31 5 .26 6 .40 5 1 .42 14 15 52 4 1.34 31 3 1.25 4 .23 4 1 .29 3 .28 15 16 36 2 1.02 22 .97 4 2 .25 1 .08 2 .20 16 17 27 .84 17 .82 1 .07 1 .08 2 .22 17 18 23 .79 15 1 .80 1 .07 1 .09 2 1 .23 18 19 15 .57 11 .64 1 .10 1 .13 19 20 12 2 .50 10 .63 1 .11 1 .14 20 21 3 .14 2 1 .14 1 .12 1 .15 21 22 2 .10 1 .07 1 .13 1 .16 22 23 1 .06 1 .08 1 .14 1 .17 23 24 24 102 TABLE I (Continued) MEN Height 5 Feet 11 Inches to 6 Feet 2 Inches Inclusive. Weight + 25 to +30 Pounds INFLUENCE OF BUILD ON MORTALITY Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 247 1 .82 503 3 1.76 635 4 2.35 594 1 2.44 368 1.73 1 2 153 1 .69 366 5 1.68 462 2 2.22 457 3 2.38 291 1 1.86 2 3 136 .63 334 1 1.57 435 1 2.13 419 1 2.26 272 2 1.88 3 4 125 1 .59 311 1 1.49 413 3 2.07 398 2 2.27 255 4 1.91 4 5 117 1 .56 291 2 1.43 394 5 2.05 377 2 2.22 235 1.88 5 6 112 • . .54 275 2 1.35 375 2 1.99 362 3 2.24 225 2 1.91 6 7 105 .51 265 1 1.33 363 3 1.96 351 2.32 215 4 1.96 7 8 103 1 .50 255 4 1.28 352 2 1.94 341 1 2.39 206 □ 2.02 8 9 99 .49 243 2 1.24 341 1.94 335 3 2.51 198 5 2.10 9 10 93 1 .46 230 1.20 310 3 1.83 292 2 2.34 173 2 1.99 10 11 71 1 .36 184 2 .98 255 1 1.58 222 3 1.89 129 2 1.61 11 12 62 .31 162 .87 238 1 1.57 198 8 1.80 113 2 1.53 12 13 55 1 .28 138 .76 203 2 1.42 162 4 1.59 96 2 1.40 13 14 43 3 .22 122 .70 184 2 1.38 141 1.49 89 5 1.41 14 15 32 .17 97 1 .57 150 1 1.20 110 3 1.27 74 1.27 15 16 21 .11 76 2 .47 119 1.01 80 1 1.00 58 1.07 16 17 20 .11 63 .42 94 2 .86 61 1 .82 46 .92 17 18 15 .08 48 .'34 75 • . .74 47 3 .69 39 1 .85 18 19 10 .06 30 1 .23 56 .59 36 .57 28 .67 19 20 8 .05 23 1 .18 48 2 .55 29 1 .50 20 2 .53 20 21 4 .03 9 .08 17 2 .21 15 .28 7 2 .20 21 22 3 .02 4 .04 12 .16 9 .18 4 .13 22 23 3 1 .02 2 1 .02 3 • . .04 6 .13 1 .04 23 24 1 .01 2 .03 5 .12 1 .04 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Insur- Year to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths Year 1 235 2 1.50 101 1 .92 54 1 .66 36 1 .58 11 .23 1 2 182 1.60 74 1 .93 45 1 .71 26 .53 11 .30 2 3 172 1 1.63 67 .92 43 1 .79 24 1 .58 10 .32 3 4 163 3 1.70 63 1 .95 40 .80 21 .55 10 .35 4 5 153 5 1.73 62 1.01 40 1 .88 21 1 .61 9 .35 5 143 3 1.74 60 1.05 37 1 .89 20 2 .64 9 .39 6 7 139 1 1.83 60 1 1.14 35 .92 18 .64 8 1 .38 7 8 132 3 1.89 58 2 1.19 34 3 .99 18 .70 7 .36 8 9 124 1 1.91 55 2 1.24 31 1.00 18 2 .77 7 .40 9 10 109 2 1.82 46 2 1.14 31 2 1.10 13 2 .61 6 .37 10 11 85 4 1.54 30 2 .82 25 1 .98 9 2 .46 4 .27 11 12 65 2 1.27 25 1 .75 19 .82 5 .28 4 1 .29 12 13 59 1 1.26 19 1 .63 16 1 .75 4 .25 1 .08 13 14 55 2 1.29 16 1 .58 14 .72 4 .27 1 .08 14 15 42 1 1.08 11 .44 14 2 .79 2 .14 1 .09 15 16 28 2 .79 7 .31 7 .43 1 .08 1 .10 16 17 18 2 .56 6 .29 5 1 .33 1 .08 1 .11 17 18 11 .38 6 .32 4 1 .29 1 .09 1 1 .12 18 19 7 .27 6 .35 3 .23 1 1 .10 19 20 6 1 .25 4 1 .25 3 .25 20 21 4 .18 3 .21 1 .09 21 22 2 .10 2 .15 1 .10 22 23 1 .06 1 .08 1 .11 23 24 • . 1 .09 24 103 TABLE I (Continued) MEN Height 5 Feet 11 Inches to 6 Feet 2 Inches Inclusive. Weight +35 to +45 Pounds INFLUENCE OF BUILD ON MORTALITY Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 136 .45 381 2 1.33 498 1.84 1026 1 4.21 1642 5 7.72 1 2 94 .42 287 1 1.32 381 1 1.83 793 3 4.12 1278 10 8.18 2 3 85 .39 256 1.20 349 2 1.71 727 6 3.93 1133 11 7.82 3 4 79 2 .37 232 1 1.11 326 1 1.63 651 5 3.71 995 3 7.46 4 5 72 .35 225 2 1.10 305 5 1.59 591 8 3.49 880 12 7.04 5 6 71 .34 215 3 1.05 287 3 1.52 539 4 3.34 792 16 6.73 6 7 68 .33 206 1.03 271 1 1.46 500 5 3.30 699 14 6.36 7 8 68 .33 200 3 1.00 262 3 1.44 464 6 3.25 629 14 6.16 8 9 66 1 .32 194 .99 253 1 1.44 410 7 3.08 558 6 5.91 9 10 56 .27 177 2 .92 224 1 1.32 371 3 2.97 500 14 5.75 10 11 42 .21 150 1 .80 167 2 1.04 305 4 2.59 395 7 4.94 11 12 41 1 .21 141 1 .76 147 .97 254 5 2.31 338 7 4.56 12 13 31 .16 119 1 .65 126 1 .88 200 2 1.96 281 4 4.10 13 14 27 .14 102 1 .58 112 1 .84 169 3 1.79 247 7 3.90 14 15 22 .12 82 .48 88 .70 137 1.58 215 14 3.68 15 16 17 .09 70 .43 67 1 .57 106 3 1.33 149 1 2.76 16 17 15 .08 60 .40 49 1 .45 76 1.03 113 4 2.27 17 18 13 .07 49 1 .34 41 .40 58 2 .85 88 3 1.93 18 19 10 .06 36 .27 32 .34 43 3 .68 71 4 1.70 19 20 7 .04 26 .21 25 1 .29 27 .46 47 1 1.24 20 21 3 .02 12 .10 8 .10 13 .24 24 .70 21 22 1 .01 7 1 .06 6 3 .08 11 1 .22 15 2 .48 22 23 1 .01 4 .04 2 .03 5 .11 6 .21 23 24 1 .01 1 .01 2 .03 3 .07 2 .08 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Exposed Actual Expected Insur- Year to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths to Risk Deaths Deaths Year 1 1478 14 9.46 761 6 6.93 350 2 4.27 201 6 3.22 104 3 2.13 1 2 1105 9 9.72 601 5 7.51 276 1 4.36 156 5 3.18 81 1 2.23 2 3 974 6 9.25 528 10 7.29 256 2 4.68 143 6 3.43 74 4 2.38 3 4 890 9 9.26 465 8 6.98 222 2 4.46 127 4 3.35 67 3 2.37 4 5 791 14 8.94 396 5 6.45 195 10 4.27 116 1 3.38 57 1 2.22 5 6 707 15 8.63 347 7 6.07 171 4 4.10 109 7 3.50 52 1 2.23 6 7 635 14 8.38 306 7 5.81 148 4 3.91 97 8 3.43 42 9 1.98 7 8 559 8 7.99 276 3 5.69 129 4 3.75 80 7 3.12 31 1 1.60 8 9 499 10 7.68 242 4 5.45 109 3 3.50 65 2 2.79 28 4 1.58 9 10 439 18 7.33 219 9 5.41 93 1 3.29 59 7 2.78 21 2 1.30 10 11 347 8 6.28 160 5 4.35 78 3 3.04 36 1 1.86 15 1 1.00 11 12 299 7 5.86 140 6 4.20 59 3 2.53 33 2 1.87 14 2 1.01 12 13 257 9 5.50 116 11 3.84 45 1 2.12 27 1 1.67 10 1 .78 13 14 220 9 5.15 94 5 3.43 37 5 1.91 23 1.54 7 1 .59 14 15 186 9 4.78 74 8 2.97 28 1.58 23 1.66 6 .55 15 16 112 6 3.17 49 5 2.17 18 1.11 14 2 1.10 3 .30 16 17 83 4 2.59 31 2 1.50 13 1 .87 10 .85 3 1 .32 17 18 65 6 2.24 24 1 1.27 12 .87 9 2 .83 1 .12 18 19 44 2 1.67 15 .87 9 2 .70 6 .60 1 .13 19 20 31 6 1.29 10 3 .63 5 1 .76 5 .54 1 .14 20 21 15 1 .69 5 1 .34 2 .18 3 2 .35 1 1 .15 21 22 10 1 .50 4 1 .30 1 .10 22 23 4 • . .22 3 .24 1 .11 23 24 2 .12 1 .09 1 .12 24 104 TABLE I (Continued} MEN INFLUENCE OF BUILD ON MORTALITY Height 5 Feet 11 Inches to 6 Feet 2 Inches Inclusive. Weight +50 to +60 Pounds Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 187 1 .62 1315 5 4.60 3142 8 11.63 3473 19 14.24 2426 11 11.40 1 2 131 1 .59 924 5 4.25 2308 10 11.08 2623 16 13.64 1898 12 12.15 2 3 114 .52 796 4 3.74 2053 19 10.06 2335 9 12.61 1671 17 11.53 3 4 106 .50 725 4 3.48 1816 12 9.08 2097 10 11.95 1496 18 11.22 4 5 90 .43 651 4 3.19 1596 13 8.30 1878 16 11.08 1328 17 10.62 5 6 81 .39 581 1 2.85 1436 4 7.61 1662 20 10.30 1184 20 10.06 6 7 71 1 .35 524 2 2.62 1268 12 6.85 1487 10 9.81 1042 10 9.48 7 8 57 1 .28 467 3 2.34 1113 12 6.12 1336 14 9.35 923 25 9.05 8 9 49 .24 423 2.16 983 10 5.60 1164 17 8.73 782 16 8.29 9 10 41 .20 376 1 1.96 877 7 5.17 1002 15 8.02 682 19 7.84 10 11 32 .16 335 2 1.78 739 9 4.58 808 10 6.87 562 13 7.03 11 12 27 2 .14 296 5 1.60 636 6 4.20 693 10 6.31 480 11 6.48 12 13 25 .13 258 3 1.42 531 5 3.72 572 17 5.61 402 13 5.87 13 14 24 .12 226 3 1.29 461 8 3.46 483 12 5.12 343 19 5.42 14 15 20 .11 188 1 1.11 397 5 3.18 394 10 4.53 282 12 4.82 15 16 17 1 .09 155 4 .96 310 4 2.64 299 2 3.74 199 7 3.68 16 17 12 .07 123 .81 250 4 2.28 247 6 3.33 157 2 3.16 17 18 9 .05 102 .71 197 1 1.93 190 4 2.77 131 6 2.87 18 19 7 .04 76 1 .57 149 5 1.58 148 7 2.34 98 11 2.35 19 20 4 .02 60 2 .48 105 2 1.21 100 3 1.71 65 4 1.72 20 21 2 .01 23 2 .20 41 1 .51 45 2 .83 32 1 .93 21 22 1 .01 13 .12 27 1 .36 25 .50 19 .61 22 23 8 .08 12 .18 16 .35 7 2 .25 23 24 3 .03 6 .09 5 1 .12 2 .08 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 1451 9 9.29 735 9 6.69 320 9 3.90 180 4 2.88 63 1.29 1 2 1100 13 9.68 568 6 7.10 251 3 3.97 137 2 2.79 52 4 1.43 2 3 974 15 9.25 501 11 6.91 230 4 4.21 123 5 2.95 43 1.38 3 4 850 12 8.84 439 7 6.59 206 2 4.14 114 5 3.01 41 2 1.45 4 5 745 16 8.42 402 6 6.55 184 4 4.03 99 2 2.88 36 1 1.40 5 6 655 9 7.99 360 7 6.30 163 11 3.91 89 3 2.86 33 1.42 6 7 579 13 7.64 328 10 6.23 142 4 3.75 79 4 2.80 29 2 1.37 7 8 507 11 7.25 286 10 5.89 121 3 3.52 67 4 2.61 26 3 1.34 8 9 437 10 6.73 254 10 5.72 110 4 3.53 59 3 2.53 23 1 1.30 9 10 393 10 6.56 220 11 5.43 96 5 3.40 48 4 2.26 21 3 1.30 10 11 329 15 5.95 158 3 4.30 63 3 2.46 35 1.81 12 3 .80 11 12 273 5 5.35 129 6 3.87 44 3 1.89 27 2 1.53 9 1 .65 12 13 234 6 5.01 104 7 3.44 29 3 1.37 20 1 1.23 6 .47 13 14 191 6 4.47 83 5 3.03 22 1 1.14 15 1 1.00 6 .51 14 15 161 4 4.14 64 5 2.57 15 .85 13 2 .94 6 .55 15 16 112 6 3.17 30 2 1.33 9 2 .56 4 .31 5 1 .50 16 17 91 4 2.84 23 2 1.12 4 .27 4 .34 4 1 .43 17 18 75 5 2.58 19 1.01 3 .22 4 .37 1 1 .12 18 19 58 2 2.20 15 1 .87 3 .23 4 3 .40 19 20 46 4 1.92 11 .70 3 .25 1 1 .11 20 21 16 3 .73 5 1 .34 3 1 .28 21 22 7 2 .35 1 • . .07 1 .10 22 23 4 1 .22 • . 1 1 .11 23 24 1 .06 • • • • • . • • • • • • • . . • 24 105 TABLE I (Continued) MEN INFLUENCE OF BUILD ON MORTALITY Height 5 Feet 11 Inches to 6 Feet 2 Inches Inclusive. Weight +65 to +80 Pounds Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 304 1 1.00 754 3 2.64 997 2 3.69 946 6 3.88 713 1 3.35 1 2 211 .95 546 2.51 770 6 3.70 711 3 3.70 569 5 3.64 2 3 172 .79 473 2.22 674 2 3.30 638 1 3.45 526 12 3.63 3 4 159 .75 424 5 2.04 591 1 2.96 568 2 3.24 462 5 3.47 4 5 145 .70 377 3 1.85 538 5 2.80 523 8 3.09 421 9 3.37 5 6 128 .61 339 4 1.66 485 1 2.57 460 4 2.85 379 2 3.22 6 7 107 .52 301 2 1.51 427 1 2.31 418 6 2.76 346 9 3.15 7 8 94 .46 270 2 1.35 385 3 2.12 370 5 2.59 300 15 2.94 8 9 82 .40 241 2 1.23 343 5 1.96 329 5 2.47 264 5 2.80 9 10 73 .36 210 1.09 292 3 1.72 290 7 2.32 231 8 2.66 10 11 66 .33 189 3 1.00 252 1 1.56 239 5 2.03 178 5 2.23 11 12 55 1 .28 173 1 .93 220 3 1.45 211 8 1.92 145 6 1.96 12 13 42 .21 143 2 .79 192 2 1.34 171 2 1.68 125 2 1.83 13 14 37 .19 124 3 .71 170 3 1.28 148 7 1.57 110 7 1.74 14 15 34 .18 99 2 .58 146 2 1.17 126 4 1.45 92 2 1.57 15 16 24 .13 78 .48 104 .88 89 2 1.11 72 5 1.33 16 17 22 1 .12 64 4 .42 82 1 .75 75 2 1.01 56 5 1.13 17 18 16 .09 50 .35 73 2 .72 61 .89 45 .99 18 19 11 .06 38 .29 49 .52 47 .74 34 3 .82 19 20 6 .04 27 .22 36 .41 40 3 .68 28 2 .74 20 21 1 .01 12 1 .10 17 .21 14 .26 11 2 .32 21 22 7 .06 8 .11 10 .20 8 .26 22 23 6 .06 8 .12 4 1 .09 4 1 .14 23 24 2 .02 4 .06 2 .05 2 .08 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 362 2 2.32 193 1 1.76 86 1.05 46 2 .74 14 .29 1 2 291 6 2.56 148 3 1.85 68 1.07 40 .82 14 .39 2 3 265 5 2.52 131 2 1.81 64 1 1.17 40 1 .96 13 .42 3 4 234 4 2.43 127 1 1.91 57 1.15 36 2 .95 13 5 .46 4 5 213 4 2.41 119 1.94 50 2 1.10 34 2 .99 8 .31 5 6 196 3 2.39 111 4 1.94 46 3 1.10 32 3 1.03 8 .34 6 7 168 13 2.22 96 7 1.82 38 1 1.00 27 2 .96 8 .38 7 8 140 1 2.00 82 3 1.69 32 2 .93 25 1 .98 8 .41 8 9 129 6 1.99 74 2 1.67 30 3 .96 23 2 .99 8 2 .45 9 10 115 3 1.92 63 3 1.56 27 1 .96 20 2 .94 4 .25 10 11 91 2 1.65 49 2 1.33 23 1 .90 12 1 .62 2 1 .13 11 12 86 1 1.69 41 4 1.23 18 1 .77 9 1 .51 1 .07 12 13 81 6 1.73 33 3 1.09 12 .57 6 1 .37 1 .08 13 14 65 3 1.52 22 1 .80 9 1 .46 5 .33 1 .08 14 15 50 7 1.29 20 .80 7 1 .40 5 1 .36 1 .09 15 16 32 2 .91 15 3 .66 4 .25 3 .23 16 17 25 1 .78 10 1 .49 3 .20 1 .08 17 18 18 4 .62 8 1 .42 1 .07 1 .09 18 19 11 1 .42 6 1 .35 1 .08 1 .10 19 20 10 .42 4 .25 1 .08 1 .11 20 21 6 .27 3 1 .21 1 1 .12 21 22 4 .20 2 .15 22 23 4 .22 1 1 .08 23 24 2 2 .12 24 106 TABLE I {Concluded) MEN INFLUENCE OF BUILD ON MORTALITY Height 5 Feet 11 Inches to 6 Feet 2 Inches Inclusive. Weight +85 and more Pounds Ages at Entry 20-24 25-29 30-34 35-39 40-44 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 54 .18 122 .43 167 .62 139 .57 116 .55 1 2 37 1 .17 95 .44 129 .62 118 1 .61 94 2 .60 2 3 30 .14 80 .38 105 .51 111 .60 85 .59 3 4 24 .11 72 .35 99 1 .50 101 .58 84 .63 4 5 21 .10 64 .31 89 1 .46 96 4 .57 75 1 .60 5 6 18 .09 57 .28 77 1 .41 86 1 .53 68 3 .58 6 7 17 .08 50 .25 72 .39 77 2 .51 59 4 .54 7 8 15 .07 44 .22 65 1 .36 71 3 .50 52 4 .51 8 9 13 1 .06 44 .22 61 1 .35 64 1 .48 46 2 .49 9 10 10 .05 39 .20 53 1 .31 58 3 .46 39 3 .45 10 11 9 .05 34 .18 47 1 .29 46 1 .39 29 2 .36 11 12 9 .05 26 1 .14 39 .26 40 1 .36 26 .35 12 13 9 .05 20 1 .11 34 .24 30 1 .29 22 1 .32 13 14 9 .05 19 .11 32 .24 26 1 .28 20 2 .32 14 15 6 .03 13 .08 24 .19 21 .24 17 .29 15 16 4 .02 10 .06 19 .16 16 .20 12 .22 16 17 3 .02 8 .05 18 .16 13 .18 12 1 .24 17 18 3 .02 7 .05 12 1 .12 12 3 .18 7 1 .15 18 19 2 .01 6 .05 9 1 .10 9 .14 5 .12 19 20 1 .01 4 .03 8 2 .09 8 .14 5 .13 20 21 1 .01 1 .01 3 .04 5 .09 2 1 .06 21 22 1 1 .01 1 .01 1 .01 4 .08 1 1 .03 22 23 1 .01 1 .01 4 .09 23 24 1 .01 1 .02 24 Ages at Entry 45-49 50-53 54-56 57-59 60-62 Insur- ance Year Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Year 1 69 1 .44 31 .28 17 .21 7 1 .11 2 .04 1 2 48 1 .42 25 .31 15 .24 5 .10 2 1 .06 2 3 45 .43 21 .29 15 .27 5 .12 1 .03 3 4 40 .42 17 .26 14 1 .28 4 .11 1 .04 4 5 37 1 .42 15 1 .24 13 .28 4 .12 1 .04 5 6 35 1 .43 13 1 .23 13 .31 4 .13 1 .04 6 7 34 1 .45 12 1 .23 13 .34 4 .14 1 .05 7 8 31 1 .44 10 .21 12 .35 4 2 .16 1 .05 8 9 27 3 .42 10 .23 12 .39 2 .09 1 .06 9 10 22 .37 9 2 .22 10 2 .35 2 .09 1 1 .06 10 11 14 1 .25 5 1 .14 6 .23 2 .10 11 12 9 .18 4 1 .12 6 1 .26 2 1 .11 12 13 8 .17 2 .07 5 .24 1 .06 13 14 8 .19 2 .07 3 1 .15 1 .07 14 15 7 .18 2 .08 2 .11 1 .07 15 16 5 .14 1 1 .04 2 .12 1 .08 16 17 3 .09 2 .13 1 .08 17 18 3 .10 1 .07 18 19 3 .11 1 1 .08 19 20 2 .08 20 21 1 .05 21 22 1 .05 22 23 1 .06 23 24 24 107 TABLE II MEN INFLUENCE OF BUILD ON MORTALITY Height 5 Feet 3 Inches to 6 Feet 2 Inches Inclusive-All Policy Years Combined Variation from Average Weight in Pounds AGES AT ENTRY 20-24 25-29 30-34 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % - 50 and more 26 .53 70 2 1.52 132 154 6 5.23 115 -35 to -45 1366 48 * 37.01 130 5091 212 170.28 125 10079 445 406.48 109 - 25 to -30 20265 758 566.11 134 49366 1880 1633.78 115 63540 2662 2464.11 108 - 15 to -20 97578 3031 2633.80 115 73062 2596 2392.56 109 22573 965 967.68 100 -10 7660 263 254.04 104 6631 262 278.57 94 5790 297 272.77 109 -5 5406 216 195.08 111 6838 283 273.79 103 5452 258 262.34 98 Average 5132 182 183.94 99 6551 247 265.20 93 5014 251 237.01 106 +5 4246 148 145.18 102 4964 171 194.29 88 4226 201 196.38 102 -1-10 3227 95 106.33 89 3805 145 146.46 99 3220 146 153.23 95 + 15 to+20 3409 105 109.34 96 4646 163 181.11 90 4600 191 220.71 87 +25 to +30 1315 45 43.06 105 2317 107 94.57 113 2756 168 132.78 127 + 35 to +45 753 23 24.21 95 2747 105 95.71 110 7777 338 290.99 116 +50 to +60 1591 44 39.51 111 6774 232 207.14 112 10631 506 380.90 133 + 65 to +80 776 18 20.51 88 2016 86 64.78 133 2812 151 110.01 137 +85 and more 112 6 3.32 181 277 5 8.63 58 392 32 16.71 192 Total 152862 4982 4361.97 114 175155 6496 6008.39 108 149016 6617 6117.33 108 Variation from Average Weight in Pounds AGES AT ENTRY 35-39 40-44 45-49 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % - 50 and more 308 11 15.36 72 337 37 23.93 155 343 36 29.97 120 -35 to-45 10294 544 511.53 106 12318 835 833.03 100 8526 705 762.04 93 - 25 to -30 42050 2057 2044.56 101 19303 1213 1280.13 95 8715 688 796.59 86 - 15 to -20 7708 464 451.03 103 4589 326 373.35 87 2395 265 268.66 99 -10 3922 231 240.09 96 2441 159 200.03 79 1289 136 143.16 95 -5 3802 197 230.30 86 2342 175 193.39 90 1290 148 148.93 99 Average 3555 205 214.43 96 2148 177 178.28 99 1127 130 130.31 100 +5 3093 204 182.01 112 1932 148 162.83 91 1035 111 119.34 93 + 10 2736 143 166.46 86 1627 135 138.61 97 1010 135 120.49 112 +15 to +20 4035 245 241.58 101 2665 241 218.82 110 1611 211 192.71 109 +25 to +30 2512 178 150.43 118 1640 161 139.30 116 1978 226 201.87 112 +35 to +45 11345 699 519.89 134 13134 1137 784.88 145 9106 1012 743.84 136 + 50 to+60 11364 744 498.07 149 7333 729 446.14 163 4762 583 395.98 147 + 65 to+80 2656 226 127.02 178 1817 266 120.79 220 1154 178 109.09 163 + 85 and more 382 61 20.94 291 308 62 21.56 288 189 34 16.78 203 Total 109762 6209 5613.70 111 73934 5801 5115.07 113 44530 4598 4179.76 110 108 TABLE II Concluded) MEN Height 5 Feet 3 Inches to 6 Feet 2 Inches Inclusive-All Policy Years Combined INFLUENCE OF BUILD ON MORTALITY Variation from Average Weight in Pounds AGES AT ENTRY 50-53 54-56 57-59 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % - 50 and more 183 16 24.04 67 137 26 24.74 105 82 21 20.91 100 -35 to -45 4714 530 593.24 89 2696 393 448.38 88 1742 291 364.83 80 - 25 to -30 2848 349 360.35 97 794 129 142.73 90 418 85 104.16 82 -15 to -20 999 147 160.87 91 488 97 103.97 93 285 66 87.41 76 -10 625 93 101.24 92 278 61 68.63 89 166 43 42.71 101 -5 571 89 100.61 88 253 48 53.91 89 163 48 48.02 100 Average 536 88 88.70 99 246 41 58.44 70 148 37 45.38 82 +5 472 84 71.73 117 235 49 51.13 96 138 37 37.15 100 + 10 468 85 77.58 110 207 36 47.46 76 102 30 24.70 121 + 15 to+20 733 140 115.96 121 351 96 78.73 122 211 67 51.12 131 +25 to +30 1032 147 140.34 105 518 111 96.03 116 297 82 72.09 114 + 35 to+45 4808 753 557.88 135 2423 441 379.67 116 1450 344 290.67 118 +50 to +60 2285 431 280.75 154 927 210 152.21 138 511 135 97.83 138 +65 to +80 512 111 64.99 171 212 49 40.19 122 123 44 27.12 162 + 85andmore 69 19 7.58 251 27 9 6.26 144 14 4 3.04 132 Total 20855 3082 2745.86 112 9792 1796 1752.48 102 5850 1334 1317.14 101 Variation from Average Weight in Pounds AGES AT ENTRY TOTAL-AGES AT ENTRY, 20-62 INCLUSIVE 60-62 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % - 50 and more 45 10 14.21 70 1685 165 160.44 103 -35 to -45 911 196 247.83 79 57737 4199 4374.65 96 - 25 to - 30 187 52 49.82 104 207486 9873 9442.34 105 - 15 to -20 128 40 42.08 95 209805 7997 7481.41 107 -10 92 29 35.81 81 28894 1574 1637.05 96 -5 69 18 22.47 80 26186 1480 1528.84 97 Average 68 23 20.10 114 24525 1381 1421.79 97 +5 71 23 27.60 83 20412 1176 1187.64 99 + 10 51 20 18.17 110 16453 970 999.49 97 + 15 to+20 102 38 33.14 115 22363 1497 1443.22 104 +25 to +30 155 42 51.59 81 14520 1267 1122.06 113 +35 to +45 752 209 187.82 111 54295 5061 3875.56 131 +50 to +60 239 83 64.63 128 46417 3697 2563.16 144 + 65 to +80 41 15 10.70 140 12119 1144 695.20 165 + 85 and more 5 4 .80 500 1775 236 105.62 223 Total 2916 802 826.77 97 744672 41717 38038.47 110 109 TABLE III MEN INFLUENCE OF BUILD ON MORTALITY RELATIVE MORTALITY BY POLICY YEARS Policy Years Underweights - 25 and more pounds Normal Weights - 20 to 4-20 pounds Overweights 4-25 to 4-45 pounds Overweights 4-50 and more pounds Total Actual Deaths Expected Deaths Ratio % Actual Deaths Expected Deaths Ratio % Actual Deaths Expected Deaths Ratio % Actual Deaths Expected Deaths Ratio % Actual Deaths Expected Deaths Ratio % 1 309 262.32 118 820 790.72 104 25 24.56 102 43 39.92 108 1197 1117.52 107 2 320 262.46 122 871 769.35 113 23 22.92 100 34 37.41 91 1248 1092.14 114 3 288 233.67 123 810 691.28 117 16 21.16 76 22 33.23 66 1136 979.34 116 4 272 211.56 129 683 624.37 109 19 19.62 97 21 29.97 70 995 885.52 112 5 235 189.92 124 611 571.64 107 23 18.68 123 40 27.33 146 909 807.57 113 1-5 1424 1159.93 123 3795 3447.36 110 106 106.94 99 160 167.86 95 5485 4882.09 112 6-10 827 680.26 122 2303 2179.01 106 89 81.36 109 94 98.64 95 3313 3039.27 109 11-15 434 362.68 120 1220 1150.59 106 49 46.11 106 95 52.12 182 1798 1611.50 112 16-24 215 206.36 104 589 582.73 101 36 23.14 156 42 25.27 166 882 837.50 105 Total 2900 2409.23 120 7907 7359.69 107 280 257.55 109 391 343.89 114 11478 10370.36 111 Ages at Entry 20 to 29, Inclusive Policy Years Underweights - 25 and more pounds Normal Weights - 20 to +20 pounds Overweights +25 to +45 pounds Overweights +50 and more pounds Total Actual Deaths Expected Deaths Ratio % Actual Deaths Expected Deaths Ratio % Actual Deaths Expected Deaths Ratio % Actual Deaths Expected Deaths Ratio % Actual Deaths Expected Deaths Ratio % 1 718 751.55 96 472 452.36 104 230 236.17 97 191 193.80 99 1611 1633.88 99 2 854 759.46 112 455 448.28 101 216 240.62 90 222 195.32 114 1747 1643.68 106 3 795 701.79 113 418 430.46 97 263 228.89 115 215 183.52 117 1691 1544.66 109 4 743 659.53 113 438 414.98 106 258 217.90 118 194 172.40 113 1633 1464.81 111 5 711 614.86 116 386 409.84 94 249 209.15 119 230 163.94 140 1576 1397.79 113 1-5 3821 3487.19 110 2169 2155.92 101 1216 1132.73 107 1052 908.98 116 8258 7684.82 107 6-10 2667 2580.65 103 2010 2047.02 98 1261 919.00 137 1173 686.81 171 7111 6233.48 114 11-15 1711 1835.08 93 1503 1513.79 99 913 596.34 153 874 439.74 199 5001 4384.95 114 16-24 1040 1270.04 82 813 908.20 90 529 315.91 167 473 228.46 207 2855 2722.61 105 Total 9239 9172.96 101 6495 6624.93 98 3919 2963.98 132 3572 2263.99 158 23225 21025.86 110 Ages at Entry 30 to 49, Inclusive Ages at Entry 50 to 62, Inclusive Policy- Years Underweights - 25 and more pounds Normal Weights - 20 to +20 pounds Overweights +25 to +45 pounds Overweights +50 and more pounds Total Actual Deaths Expected Deaths Ratio % Actual Deaths Expected Deaths Ratio % Actual Deaths Expected Deaths Ratio % Actual Deaths Expected Deaths Ratio % Actual Deaths Expected Deaths Ratio % 1 168 174.06 97 96 96.53 99 120 135.59 89 66 56.52 117 450 462.70 97 2 168 179.66 94 86 101.44 85 149 143.38 104 64 61.01 105 467 485.49 96 3 151 181.75 83 110 106.74 103 167 147.40 113 85 62.55 136 513 498.44 103 4 167 175.17 95 107 107.29 100 153 141.39 108 74 60.91 121 501 484.76 103 5 143 168.16 85 103 110.23 93 151 137.26 110 93 59.90 155 490 475.55 103 1-5 797 878.80 91 502 522.23 96 740 705.02 105 382 300.89 127 2421 2406.94 101 6-10 692 762.58 91 580 602.50 96 749 599.45 125 417 262.98 159 2438 2227.51 109 11-15 404 491.83 82 400 397.75 101 460 336.10 137 236 142.83 165 1500 1368.51 110 16-24 205 262.03 78 191 192.34 99 180 135.52 133 79 49.40 160 655 639.29 102 Total 2098 2395.24 88 1673 1714.82 98 2129 1776.09 120 1114 756.10 147 7014 6642.25 106 110 TABLE IV MEN INFLUENCE OF HEIGHT ON MORTALITY ALL POLICY YEARS COMBINED HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS -50 and more -35 to -45 -25 to -30 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 100 2.83 2538 76 71.56 106 5 ft. 7 in. to 5 ft. 10 in. 11 .27 435 9 12.47 72 9654 379 274.50 138 5 ft. 11 in. to 6 ft. 2 in. 15 .26 831 39 21.71 180 8073 303 220.05 138 Total 26 .53 1366 48 37.01 130 20265 758 566.11 134 Ages at Entry 20 to 24 Inclusive HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS -15 to -20 -10 -5 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 13106 318 358.85 89 2128 72 68.18 106 1166 37 42.28 88 5 ft. 7 in. to 5 ft. 10 in. 58462 1846 1592.77 116 4592 164 151.51 108 3328 142 120.32 118 5 ft. 11 in. to 6 ft. 2 in. 26010 867 682.18 127 940 27 34.35 79 912 37 32.48 114 Total 97578 3031 2633.80 115 7660 263 254.04 104 5406 216 195.08 111 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS Average +5 + 10 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 1216 31 44.58 70 885 23 28.11 82 638 17 20.42 83 5 ft. 7 in. to 5 ft. 10 in. 3000 107 107.53 100 2643 95 92.27 103 2020 64 67.12 95 5 ft. 11 in. to 6 ft. 2 in. 916 44 31.83 138 718 30 24.80 121 569 14 18.79 75 Total 5132 182 183.94 99 4246 148 145.18 102 3227 95 106.33 89 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS +15 to +20 +25 to +30 +35 to +45 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 627 16 20.47 78 190 6 6.02 100 270 10 8.08 124 5 ft. 7 in. to 5 ft. 10 in. 2143 62 68.22 91 878 27 29.43 92 347 9 11.33 79 5 ft. 11 in. to 6 ft. 2 in. 639 27 20.65 131 247 12 7.61 158 136 4 4.80 83 Total 3409 105 109.34 96 1315 45 43.06 105 753 23 24.21 95 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS +50 to +60 +65 to +80 +85 and more Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 395 8 9.23 87 64 2 1.72 116 12 2 .42 476 5 ft. 7 in. to 5 ft. 10 in. 1009 29 25.21 115 408 13 10.61 123 46 1 1.52 66 5 ft. 11 in. to 6 ft. 2 in. 187 7 5.07 138 304 3 8.18 37 54 3 1.38 217 Total 1591 44 39.51 111 776 18 20.51 88 112 6 3.32 181 111 TABLE IV (Continued) MEN INFLUENCE OF HEIGHT ON MORTALITY ALL POLICY YEARS COMBINED Ages at Entry 25 to 29 Inclusive HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS -50 and more -35 to -45 - 25 to -30 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 1 • .00 195 5 6.95 72 4264 161 145.73 110 5 ft. 7 in. to 5 ft. 10 in. 19 1 .40 250 2129 84 72.86 115 27877 1049 943.17 111 5 ft. 11 in. to 6 ft. 2 in. 50 1 1.12 89 2767 123 90.47 136 17225 670 544.88 123 Total 70 2 1.52 132 5091 212 170.28 125 49366 1880 1633.78 115 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS -15 to -20 -10 -5 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 11790 421 396.77 106 1311 39 56.84 69 1506 56 60.99 92 5 ft. 7 in. to 5 ft. 10 in. 44429 1596 1469.12 109 4130 160 173.45 92 4032 182 162.71 112 5 ft. 11 in. to 6 ft. 2 in. 16843 579 526.67 110 1190 63 48.28 130 1300 45 50.09 90 Total 73062 2596 2392.56 109 6631 262 278.57 94 6838 283 273.79 103 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS Average +5 + 10 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 1459 63 59.84 105 1070 31 43.54 71 848 26 32.86 79 5 ft. 7 in. to 5 ft. 10 in. 3863 131 156.17 84 2971 102 115.30 88 2262 87 87.07 100 5 ft. 11 in. to 6 ft. 2 in. 1229 53 49.19 108 923 38 35.45 107 695 32 26.53 121 Total 6551 247 265.20 93 4964 171 194.29 88 3805 145 146.46 99 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS +15 to +20 +25 to +30 +35 to +45 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 891 33 35.26 94 412 23 17.42 132 1312 34 39.59 86 5 ft. 7 in. to 5 ft. 10 in. 2834 93 110.33 84 1402 55 57.15 96 1054 51 39.94 128 5 ft. 11 in. to 6 ft. 2 in. 921 37 35.52 104 503 29 20.00 145 381 20 16.18 124 Total 4646 163 181.11 90 2317 107 94.57 113 2747 105 95.71 110 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS +50 to +60 +65 to +80 +85 and more Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 1066 33 31.62 104 173 4 6.11 65 26 .92 5 ft. 7 in. to 5 ft. 10 in. 4393 147 133.17 110 1089 45 34.56 130 129 3 3.73 80 5 ft. 11 in. to 6 ft. 2 in. 1315 52 42.35 123 754 37 24.11 153 122 2 3.98 50 Total 6774 232 207.14 112 2016 86 64.78 133 277 5 8.63 58 112 TABLE IV {Continued} MEN INFLUENCE OF HEIGHT ON MORTALITY ALL POLICY YEARS COMBINED Ages at Entry 30 to 34 Inclusive HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS -50 and more -35 to -45 -25 to -30 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 378 18 15.48 116 5961 261 243.30 107 5 ft. 7 in. to 5 ft. 10 in. 39 • • 1.20 4140 182 177.08 103 38063 1608 1505.16 107 5 ft. 11 in. to 6 ft. 2 in. 115 6 4.03 149 5561 245 213.92 115 19516 793 715.65 111 Total 154 6 5.23 115 10079 445 406.48 109 63540 2662 2464.11 108 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS -15 to -20 -10 -5 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 6088 230 255.54 90 1188 62 57.61 108 1239 47 56.99 82 5 ft. 7 in. to 5 ft. 10 in. 14722 654 622.84 105 3500 179 164.66 109 3176 162 155.51 104 5 ft. 11 in. to 6 ft. 2 in. 1763 81 89.30 91 1102 56 50.50 111 1037 49 49.84 98 Total 22573 965 967.68 100 5790 297 272.77 109 5452 258 262.34 98 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS Average +5 +10 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 1116 60 51.47 117 959 48 44.53 108 702 25 33.23 78 5 ft. 7 in. to 5 ft. 10 in. 2962 141 142.60 99 2524 117 118.15 99 1886 89 88.80 100 5 ft. 11 in. to 6 ft. 2 in. 936 50 42.94 116 743 36 33.70 107 632 32 31.20 103 Total 5014 251 237.01 106 4226 201 196.38 102 3220 146 153.23 95 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS +15 to +20 +25 to +30 +35 to +45 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 893 32 43.76 73 483 27 23.16 117 2804 118 103.33 114 5 ft. 7 in. to 5 ft. 10 in. 2844 114 136.44 84 1638 103 77.80 132 4475 192 165.16 116 5 ft. 11 in. to 6 ft. 2 in. 863 45 40.51 111 635 38 31.82 119 498 28 22.50 124 Total 4600 191 220.71 87 2756 168 132.78 127 7777 338 290.99 116 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS +50 to +60 +65 to +80 +85 and more Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 1379 78 50.88 153 259 14 9.43 148 39 2 1.70 118 5 ft. 7 in. to 5 ft. 10 in. 6110 270 218.60 124 1556 94 62.87 150 186 19 8.57 222 5 ft. 11 in. to 6 ft. 2 in. 3142 158 111.42 142 997 43 37.71 114 167 11 6.44 171 Total 10631 506 380.90 133 2812 151 110.01 137 392 32 16.71 192 113 TABLE IV {Continued) MEN INFLUENCE OF HEIGHT ON MORTALITY ALL POLICY YEARS COMBINED HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS - 50 and more -35 to -45 -25 to -30 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 7 • . . .12 998 62 53.22 116 5789 276 302.26 91 5 ft. 7 in. to 5 ft. 10 in. 43 1 2.27 44 3693 216 196.05 110 27116 1348 1328.67 101 5 ft. 11 in. to 6 ft. 2 in. 258 10 12.97 77 5603 266 262.26 101 9145 433 413.63 105 Total 308 11 15.36 72 10294 544 511.53 106 42050 2057 2044.56 101 Ages at Entry 35 to 39 Inclusive HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS -15 to -20 -10 -5 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 1871 107 103.63 103 898 51 54.48 94 818 41 49.98 82 5 ft. 7 in. to 5 ft. 10 in. 4593 273 274.60 99 2332 143 146.00 98 2284 122 143.90 85 5 ft. 11 in. to 6 ft. 2 in. 1244 84 72.80 115 692 37 39.61 93 700 34 36.42 93 Total 7708 464 451.03 103 3922 231 240.09 96 3802 197 230.30 86 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS Average + 5 + 10 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 768 55 45.06 122 623 50 35.67 140 508 30 32.39 93 5 ft. 7 in. to 5 ft. 10 in. 2121 117 130.31 90 1903 124 114.21 109 1707 92 104.13 88 5 ft. 11 in. to 6 ft. 2 in. 666 33 39.06 84 567 30 32.13 93 521 21 29.94 70 Total 3555 205 214.43 96 3093 204 182.01 112 2736 143 166.46 86 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS + 15 to +20 + 25 to +30 +35 to +45 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 790 53 50.73 104 403 23 23.67 97 4016 244 182.89 133 5 ft. 7 in. to 5 ft. 10 in. 2411 145 141.20 103 1515 113 91.06 124 6303 384 286.38 134 5 ft. 11 in. to 6 ft. 2 in. 834 47 49.65 95 594 42 35.70 118 1026 71 50.62 140 Total 4035 245 241.58 101 2512 178 150.43 118 11345 699 519.89 134 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS + 50 to +60 + 65 to +80 + 85 and more Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 1135 76 46.60 163 177 16 9.13 175 27 5 1.28 391 5 ft. 7 in. to 5 ft. 10 in. 6756 438 297.61 147 1533 129 73.86 175 216 34 11.57 294 5 ft. 11 in. to 6 ft. 2 in. 3473 230 153.86 149 946 81 44.03 184 139 22 8.09 272 Total 11364 744 498.07 149 2656 226 127.02 178 382 61 20.94 291 114 TABLE IV (Continued) MEN INFLUENCE OF HEIGHT ON MORTALITY ALL POLICY YEARS COMBINED Ages at Entry 40 to 44 Inclusive HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS - 50 and more - 35 to -45 -25 to -30 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 5 1 1.10 91 651 47 50.15 94 3532 229 241.88 95 5 ft. 7 in. to 5 ft. 10 in. 111 13 7.65 170 7172 469 490.26 96 11653 730 770.39 95 5 ft. 11 in. to 6 ft. 2 in. 221 23 15.18 152 4495 319 292.62 109 4118 254 267.86 95 Total 337 37 23.93 155 12318 835 833.03 100 19303 1213 1280.13 95 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS -15 to -20 -10 -5 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 985 69 84.78 81 545 33 47.05 70 532 46 45.61 101 5 ft. 7 in. to 5 ft. 10 in. 2795 207 223.07 93 1451 99 119.31 83 1397 96 115.09 83 5 ft. 11 in. to 6 ft. 2 in. 809 50 65.50 76 445 27 33.67 80 413 33 32.69 101 Total 4589 326 373.35 87 2441 159 200.03 79 2342 175 193.39 90 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS Average + 5 + 10 Number Entering Actual Deaths Expected Deaths Ratio Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 517 42 40.79 103 420 32 35.71 90 372 40 33.66 119 5 ft. 7 in. to 5 ft. 10 in. 1220 94 102.81 91 1142 84 99.21 85 928 72 78.66 92 5 ft. 11 in. to 6 ft. 2 in. 411 41 34.68 118 370 32 27.91 115 327 23 26.29 87 Total 2148 177 178.28 99 1932 148 162.83 91 1627 135 138.61 97 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS + 15 to +20 + 25 to +30 +35 to +45 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 592 53 50.05 106 364 31 31.63 98 3591 294 216.45 136 5 ft. 7 in. to 5 ft. 10 in. 1553 142 127.70 111 908 91 76.76 119 7901 684 466.75 147 5 ft. 11 in. to 6 ft. 2 in. 520 46 41.07 112 368 39 30.91 126 1642 159 101.68 156 Total 2665 241 218.82 110 1640 161 139.30 116 13134 1137 784.88 145 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS + 50 to +60 + 65 to +80 +85 and more Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 991 115 66.04 174 179 34 12.38 275 27 3 1.40 214 5 ft. 7 in. to 5 ft. 10 in. 3916 348 233.19 149 925 121 61.04 198 165 31 12.03 258 5 ft. 11 in. to 6 ft. 2 in. 2426 266 146.91 181 713 111 47.37 234 116 28 8.13 344 Total 7333 729 446.14 163 1817 266 120.79 220 308 62 21.56 288 115 TABLE IV (^Continued,} MEN INFLUENCE OF HEIGHT ON MORTALITY ALL POLICY YEARS COMBINED Ages at Entry 45 to 49 Inclusive HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS - 50 and more -35 to -45 -25 to -30 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 23 • 2 1.93 104 1355 108 129.27 84 1352 97 125.68 77 5 ft. 7 in. to 5 ft. 10 in. 57 8 5.12 156 3847 349 337.66 103 6032 486 549.35 88 5 ft. 11 in. to 6 ft. 2 in. 263 26 22.92 113 3324 248 295.11 84 1331 105 121.56 86 Total 343 36 29.97 120 8526 705 762.04 93 8715 688 796.59 86 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS -15 to -20 -10 -5 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 518 52 64.61 80 282 30 31.01 97 323 49 36.03 136 5 ft. 7 in. to 5 ft. 10 in. 1430 157 159.99 98 745 80 85.29 94 754 75 89.21 84 5 ft. 11 in. to 6 ft. 2 in. 447 56 44.06 127 262 26 26.86 97 213 24 23.69 101 Total 2395 265 268.66 99 1289 136 143.16 95 1290 148 148.93 99 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS Average + 5 + 10 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 244 34 26.64 128 216 24 27.40 88 207 33 21.74 152 5 ft. 7 in. to 5 ft. 10 in. 685 74 79.74 93 630 66 71.85 92 597 71 75.32 94 5 ft. 11 in. to 6 ft. 2 in. 198 22 23.93 92 189 21 20.09 105 206 31 23.43 132 Total 1127 130 130.31 100 1035 111 119.34 93 1010 135 120.49 112 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS + 15 to +20 + 25 to +30 + 35 to +45 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 295 37 35.91 103 1070 111 99.07 112 2029 232 169.01 137 5 ft. 7 in. to 5 ft. 10 in. 1018 132 124.72 106 673 79 76.42 103 5599 595 448.13 133 5 ft. 11 in. to 6 ft. 2 in. 298 42 32.08 131 235 36 26.38 136 1478 185 126.70 146 Total 1611 211 192.71 109 1978 226 201.87 112 9106 1012 743.84 136 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS + 50 to +60 + 65 to +80 +85 and more Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 403 53 37.37 142 92 14 8.30 169 13 3 1.20 250 5 ft. 7 in. to 5 ft. 10 in. 2908 349 237.97 147 700 88 66.19 133 107 21 9.69 217 5 ft. 11 in. to 6 ft. 2 in. 1451 181 120.64 150 362 76 34.60 220 69 10 5.89 170 Total 4762 583 395.98 147 1154 178 109.09 163 189 34 16.78 203 116 TABLE IV (Continued) MEN INFLUENCE OF HEIGHT ON MORTALITY ALL POLICY YEARS COMBINED Ages at Entry 50 to 53 Inclusive HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS - 50 and more -35 to -45 -25 to -30 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 3 1 .24 417 594 50 78.94 63 632 85 87.18 97 5 ft. 7 in. to 5 ft. 10 in. 57 8 7.96 101 2687 341 342.21 100 1652 207 204.83 101 5 ft. 11 in. to 6 ft. 2 in. 123 7 15.84 44 1433 139 172.09 81 564 57 68.34 83 Total 183 16 24.04 67 4714 530 593.24 89 2848 349 360.35 97 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS -15 to -20 -10 -5 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 223 36 31.00 116 141 25 23.29 107 137 24 29.50 81 5 ft. 7 in. to 5 ft. 10 in. 585 81 97.02 83 362 51 61.76 83 324 54 56.97 95 5 ft. 11 in. to 6 ft. 2 in. 191 30 32.85 91 122 17 16.19 105 no 11 14.14 78 Total 999 147 160.87 91 625 93 101.24 92 571 89 100.61 88 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS Average + 5 + 10 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 126 28 23.50 119 116 25 16.82 149 101 19 16.16 118 5 ft. 7 in. to 5 ft. 10 in. 306 52 52.13 100 270 44 43.73 101 279 47 45.68 103 5 ft. 11 in. to 6 ft. 2 in. 104 8 13.07 61 86 15 11.18 134 88 19 15.74 121 Total 536 88 88.70 99 472 84 71.73 117 468 85 77.58 110 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS + 15 to +20 + 25 to +30 +35 to +45 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 149 28 23.52 119 585 80 75.63 106 1062 169 118.61 142 5 ft. 7 in. to 5 ft. 10 in. 433 83 65.53 127 346 51 48.95 104 2985 472 349.48 135 5 ft. 11 in. to 6 ft. 2 in. 151 29 26.91 108 101 16 15.76 102 761 112 89.79 125 Total 733 140 115.96 121 1032 147 140.34 105 4808 753 557.88 135 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS + 50 to +60 + 65 to +80 +85 and more Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 229 50 28.87 173 49 13 5.76 226 7 1 .62 161 5 ft. 7 in. to 5 ft. 10 in. 1321 262 165.82 158 270 54 33.42 162 31 10 3.94 254 5 ft. 11 in. to 6 ft. 2 in. 735 119 86.06 138 193 44 25.81 170 31 8 3.02 265 Total 2285 431 280.75 154 512 111 64.99 171 69 19 7.58 251 117 TABLE IV (Continued) MEN INFLUENCE OF HEIGHT ON MORTALITY ALL POLICY YEARS COMBINED Ages at Entry 54 to 56 Inclusive HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS - 50 and more -35 to -45 -25 to -30 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 1 .32 279 53 52.36 101 309 52 51.45 101 5 ft. 7 in. to 5 ft. 10 in. 75 19 15.06 126 1760 247 288.17 86 260 47 53.69 88 5 ft. 11 in. to 6 ft. 2 in. 61 7 9.36 75 657 93 107.85 86 225 30 37.59 80 Total 137 26 24.74 105 2696 393 448.38 88 794 129 142.73 90 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS -15 to -20 -10 -5 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 105 25 25.58 98 75 16 18.47 87 59 18 11.31 159 5 ft. 7 in. to 5 ft. 10 in. 305 62 62.62 99 160 37 41.27 90 153 27 34.93 77 5 ft. 11 in. to 6 ft. 2 in. 78 10 15.77 63 43 8 8.89 90 41 3 7.67 39 Total 488 97 103.97 93 278 61 68.63 89 253 48 53.91 89 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS Average + 5 + 10 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 58 10 14.28 70 58 13 12.22 106 44 5 9.82 51 5 ft. 7 in. to 5 ft. 10 in. 137 22 34.36 64 132 29 28.47 102 130 27 29.99 90 5 ft. 11 in. to 6 ft. 2 in. 51 9 9.80 92 45 7 10.44 67 33 4 7.65 52 Total 246 41 58.44 70 235 49 51.13 96 207 36 47.46 76 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS + 15 to +20 + 25 to +30 + 35 to +45 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 91 30 19.88 151 288 61 50.15 122 509 87 85.07 102 5 ft. 7 in. to 5 ft. 10 in. 202 58 49.13 118 176 34 31.25 109 1564 305 238.01 128 5 ft. 11 in. to 6 ft. 2 in. 58 8 9.72 82 54 16 14.63 109 350 49 56.59 87 Total 351 96 78.73 122 518 111 96.03 116 2423 441 379.67 116 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS + 50 to +60 -f-65 to -j-80 +85 and more Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 111 29 17.27 168 19 3 4.84 62 2 1 .26 385 5 ft. 7 in. to 5 ft. 10 in. 496 118 86.85 136 107 29 21.08 138 8 2 1.59 126 5 ft. 11 in. to 6 ft. 2 in. 320 63 48.09 131 86 17 14.27 119 17 6 4.41 136 Total 927 210 152.21 138 212 49 40.19 122 27 9 6.26 144 118 TABLE IV (Continued) MEN INFLUENCE OF HEIGHT ON MORTALITY ALL POLICY YEARS COMBINED Ages at Entry 57 to 59 Inclusive HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS - 50 and more - 35 to -45 -25 to -30 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 1 .37 166 29 28.09 103 145 24 29.57 81 5 ft. 7 in. to 5 ft. 10 in. 42 9 10.23 88 1190 202 256.15 79 130 34 36.56 93 5 ft. 11 in. to 6 ft. 2 in. 39 12 10.31 116 386 60 80.59 74 143 27 38.03 71 Total 82 21 20.91 100 1742 291 364.83 80 418 85 104.16 82 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS -15 to -20 -10 -5 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 73 19 22.57 84 47 12 14.07 85 41 10 13.86 72 5 ft. 7 in. to 5 ft. 10 in. 166 38 51.76 73 100 29 25.01 116 93 26 25.96 100 5 ft. 11 in. to 6 ft. 2 in. 46 9 13.08 69 19 2 3.63 55 29 12 8.20 146 Total 285 66 87.41 76 166 43 42.71 101 163 48 48.02 100 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS Average + 5 + 10 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 35 5 ' 14.21 35 34 11 8.66 127 19 7 3.91 179 5 ft. 7 in. to 5 ft. 10 in. 97 29 28.48 102 81 20 22.62 88 54 17 15.44 110 5 ft. 11 in. to 6 ft. 2 in. 16 3 2.69 112 23 6 5.87 102 29 6 5.35 112 Total 148 37 45.38 82 138 37 37.15 100 102 30 24.70 121 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS + 15 to +20 + 25 to +30 +35 to +45 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 51 19 11.63 163 161 33 36.61 90 322 63 58.00 109 5 ft. 7 in. to 5 ft. 10 in. 124 38 29.67 128 100 37 27.52 134 927 218 187.62 116 5 ft. 11 in. to 6 ft. 2 in. 36 10 9.82 102 36 12 7.96 151 201 63 45.05 140 Total 211 67 51.12 131 297 82 72.09 114 1450 344 290.67 118 HEIGHT VARIATION FROM AVERAGE WEIGHT IN FOUNDS +50 to +60 + 65 to 4" 80 + 85 and more Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 55 14 10.81 130 11 4 1.64 244 5 ft. 7 in. to 5 ft. 10 in. 276 75 51.41 146 66 18 13.20 136 7 1.30 5 ft. 11 in. to 6 ft. 2 in. 180 46 35.61 129 46 22 12.28 179 7 4 1.74 230 Total 511 135 97.83 138 123 44 27.12 162 14 4 3.04 132 119 TABLE IV (£onclude(T) MEN INFLUENCE OF HEIGHT ON MORTALITY ALL POLICY YEARS COMBINED Ages at Entry 60 to 62 Inclusive HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS - 50 and more -35 to -45 -25 to -30 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. • 82 26 22.90 114 78 19 19.46 98 5 ft. 7 in. to 5 ft. 10 in. 18 1 5.21 19 595 122 165.11 74 82 24 22.84 105 5 ft. 11 in. to 6 ft. 2 in. 27 9 9.00 100 234 48 59.82 80 27 9 7.52 120 Total 45 10 14.21 70 911 196 247.83 79 187 52 49.82 104 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS -15 to -20 -10 -5 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 30 11 8.51 129 26 13 9.21 141 17 4 5.93 67 5 ft. 7 in. to 5 ft. 10 in. 73 20 26.23 76 50 12 21.93 55 41 11 13.35 82 5 ft. 11 in. to 6 ft. 2 in. 25 9 7.34 123 16 4 4.67 86 11 3 3.19 94 Total 128 40 42.08 95 92 29 35.81 81 69 18 22.47 80 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS Average +5 + 10 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 20 10 5.52 181 20 5 9.82 51 9 3 2.76 109 5 ft. 7 in. to 5 ft. 10 in. 35 8 11.20 71 43 14 14.40 97 31 11 10.84 101 5 ft. 11 in. to 6 ft. 2 in. 13 5 3.38 148 8 4 3.38 118 11 6 4.57 131 Total 68 23 20.10 114 71 23 27.60 83 51 20 18.17 110 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS 4-15 to 4-20 4-25 to 4-30 4-35 to 4-45 Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 21 8 6.27 128 71 19 20.28 94 152 50 40.98 122 5 ft. 7 in. to 5 ft. 10 in. 57 19 18.36 103 73 20 26.72 75 496 123 121.73 101 5 ft. 11 in. to 6 ft. 2 in. 24 11 8.51 129 11 3 4.59 65 104 36 25.11 143 Total 102 38 33.14 115 155 42 51.59 81 752 209 187.82 111 HEIGHT VARIATION FROM AVERAGE WEIGHT IN POUNDS + 50 to +60 + 65 to +80 + 85 and more Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % 5 ft. 3 in. to 5 ft. 6 in. 32 9 11.21 80 5 4 .88 455 5 ft. 7 in. to 5 ft. 10 in. 144 51 35.71 143 22 3 5.67 53 3 2 .33 606 5 ft. 11 in. to 6 ft. 2 in. 63 23 17.71 130 14 8 4.15 193 2 2 .47 426 Total 239 83 64.63 128 41 15 10.70 140 5 4 .80 500 120 TABLE V MEN EFFECT OF HEIGHT ON MORTALITY Variation from Average Weight in Pounds AGES AT ENTRY 20 TO 29 INCLUSIVE Height 5 Feet 3 Inches to 5 Feet 6 Inches Height 5 Feet 7 Inches to 5 Feet 10 Inches Height 5 Feet 11 Inches to 6 Feet 2 Inches Actual Deaths Expected Deaths Ratio % Actual Deaths Expected Deaths Ratio % Actual Deaths Expected Deaths Ratio % - 25 to -45 242 227 107 1521 1303 117 1135 877 129 -10 to -20 850 881 96 3766 3387 111 1536 1291 119 - 5 to +5 241 279 86 759 754 101 247 224 110 + 10 to +20 92 109 84 306 333 92 110 101 109 +25 to +45 73 71 103 142 138 103 65 49 133 +50 to +85 49 50 98 238 209 114 104 85 122 Total 1547 1617 96 6732 6124 110 3197 2627 122 ALL POLICY YEARS COMBINED Variation from Average Weight in Pounds AGES AT ENTRY 30 TO 39 INCLUSIVE Height 5 Feet 3 Inches to 5 Feet 6 Inches Height 5 Feet 7 Inches to 5 Feet 10 Inches Height 5 Feet 11 Inches to 6 Feet 2 Inches Actual Deaths Expected Deaths Ratio % Actual Deaths Expected Deaths Ratio % Actual Deaths Expected Deaths Ratio % - 25 to -45 617 614 100 3354 3207 105 1737 1605 108 -10 to -20 450 471 96 1249 1208 103 258 252 102 - 5 to +5 301 284 106 783 805 97 232 234 99 + 10 to +20 140 160 88 440 471 93 145 151 96 +25 to +45 412 333 124 792 620 128 179 141 127 +50 to +85 191 119 161 984 673 146 545 362 151 Total 2111 1981 107 7602 6984 109 3096 2745 113 Variation from Average Weight in Pounds AGES AT ENTRY 40 TO 49 INCLUSIVE Height 5 Feet 3 Inches to 5 Feet 6 Inches Height 5 Feet 7 Inches to 5 Feet 10 Inches Height 5 Feet 11 Inches to 6 Feet 2 Inches Actual Deaths Expected Deaths Ratio % Actual Deaths Expected Deaths Ratio % Actual Deaths Expected Deaths Ratio % - 25 to -45 481 547 88 2034 2148 95 926 977 95 -10 to -20 184 227 81 543 588 92 159 170 94 - 5 to +5 227 212 107 489 558 88 173 163 106 + 10 to +20 163 141 116 417 406 103 142 123 115 +25 to +45 668 516 129 1449 1068 136 419 286 147 +50 to +85 222 127 175 958 620 155 672 364 185 Total 1945 1770 110 5890 5388 109 2491 2083 120 Variation from Average Weight in Pounds AGES AT ENTRY 50 TO 59 INCLUSIVE Height 5 Feet 3 Inches to 5 Feet 6 Inches Height 5 Feet 7 Inches to 5 Feet 10 Inches Height 5 Feet 11 Inches to 6 Feet 2 Inches Actual Deaths Expected Deaths Ratio % Actual Deaths Expected Deaths Ratio % Actual Deaths Expected Deaths Ratio % -25 to - 45 293 328 89 1078 1182 91 406 504 81 -10 to -20 133 135 99 298 339 88 76 90 84 - 5 to +5 144 144 100 303 328 92 74 83 89 + 10 to +20 108 85 127 270 235 115 76 75 101 +25 to +45 493 424 116 1117 883 127 268 230 117 +50 to +85 115 70 164 568 379 150 329 231 142 Total 1286 1186 108 3634 3346 109 1229 1213 101 121 TABLE VI MORTALITY AMONG WOMEN FOUR CLASSES COMBINED Ages at Entry 15-19 20-24 25-29 30-34 Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Years 1 11300 44 35.03 62025 250 204.68 87760 408 307.16 80124 310 296.47 1 2 7527 32 32.37 43186 251 194.34 65538 339 301.47 61560 344 295.49 2 3 6311 34 28.40 37257 222 171.39 58010 287 272.65 55016 287 269.58 3 4 5078 27 23.37 30854 188 145.01 49695 257 238.53 47813 278 239.08 4 5 3962 23 18.23 25015 122 120.07 41539 217 203.54 40599 220 211.11 5 6 2952 17 13.87 19255 100 92.43 33010 192 161.75 32812 165 173.91 6 7 2182 9 10.25 14899 69 73.01 26090 136 130.46 26441 165 142.78 7 8 1598 6 7.52 11421 54 55.96 20408 103 102.06 20944 97 115.19 8 9 1199 9 5.75 8652 46 42.39 15801 85 80.59 16526 104 94.19 9 10 899 9 4.31 6519 31 31.94 12092 53 62.87 12824 72 75.66 10 11 635 3 3.04 4858 23 24.30 8906 50 47.21 9577 57 59.37 11 12 488 3 2.39 3771 23 18.87 6962 39 37.60 7620 45 50.29 12 13 350 1 1.70 2723 16 13.89 5042 39 27.73 5810 55 40.68 13 14 265 1 1.30 2059 9 10.72 3869 30 22.05 4522 35 33.92 14 15 211 1 1.03 1536 10 8.15 3021 23 17.82 3466 23 27.72 15 16 145 .73 1061 7 5.73 2103 15 13.03 2309 23 19.63 16 17 125 1 .63 812 5 4.46 1614 13 10.65 1784 13 16.23 17 18 100 1 .51 624 5 3.50 1275 9 8.93 1361 6 13.34 18 19 76 .40 454 3 2.64 941 9 7.06 1010 7 10.71 19 20 53 .29 308 2 1.88 647 6 5.17 702 5 8.07 20 21 19 .10 109 1 .69 • 251 2 2.14 274 5 3.43 21 22 17 .09 60 .41 156 1 1.42 155 1 2.08 22 23 14 1 .08 31 .22 83 1 .81 83 2 1.22 23 24 5 1 .03 16 1 .12 39 .42 40 1 .62 24 1-5 34178 160 137.40 198337 1033 835.49 302542 1508 1323.35 285112 1439 1311.73 1-5 6-24 11333 63 54.02 79168 405 391.31 142310 806 739.77 148260 881 889.04 6-24 Ages at Entry 35-39 40-44 45-49 50-53 Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Years 1 61646 324 252.75 40276 202 189.30 25067 157 160.42 12769 113 116.20 1 2 47447 276 246.73 30899 201 197.75 19033 180 167.50 9964 113 124.55 2 3 42295 242 228.40 27599 189 190.44 16928 163 160.82 8899 126 122.80 3 4 36802 239 209.77 23939 186 179.55 14692 184 152.79 7822 107 117.34 4 5 31357 185 185.01 20447 140 163.58 12556 135 141.89 6874 116 112.06 5 6 25658 158 159.08 16765 121 142.50 10500 114 128.10 5908 95 103.40 6 7 21044 120 138.89 13741 116 125.05 8702 121 114.86 5098 119 96.87 7 8 16934 111 118.55 11016 103 107.97 7165 104 102.46 4303 88 88.64 8 9 13590 98 101.93 8906 68 94.41 5889 89 90.70 3614 90 81.31 9 10 10723 75 85.78 7066 97 81.26 4770 76 79.66 2969 83 73.33 10 11 8044 68 68.37 5258 51 65.73 3631 66 65.73 2216 51 60.27 11 12 6332 42 57.61 4197 52 56.67 3001 64 58.82 1816 50 54.48 12 13 4759 34 46.64 3225 39 47.08 2394 59 51.23 1479 49 48.95 13 14 3590 34 38.06 2570 33 40.60 1930 47 45.17 1231 53 44.93 14 15 2754 28 31.68 2014 38 34.43 1570 43 40.35 977 43 39.27 15 16 1797 20 22.48 1325 21 24.51 1009 29 28.55 610 33 26.97 16 17 1373 24 18.53 1028 16 20.67 763 25 23.80 445 21 21.59 17 18 1068 16 15.60 782 9 17.13 565 13 19.44 326 22 17.31 18 19 799 6 12.63 618 8 14.83 430 14 16.30 227 15 13.18 19 20 563 7 9.63 443 12 11.71 309 13 12.88 159 10 10.06 20 21 226 4 4.18 190 5 5.53 171 9 7.83 83 3 5.68 21 22 135 2 2.71 116 3 3.73 112 6 5.63 49 1 3.62 22 23 78 5 1.71 74 3 2.62 58 3 3.20 32 1 2.57 23 24 38 .91 38 3 1.48 26 1 1.56 15 2 1.31 24 1-5 219547 1266 1122.66 143160 918 920.62 88276 819 783.42 46328 575 592.95 1-5 6-24 119505 852 934.97 79372 798 897.91 52995 896 896.27 31557 829 793.74 6-24 122 TABLE VI (^Concluded} MORTALITY AMONG WOMEN FOUR CLASSES COMBINED Ages at Entry 54-56 57-59 60-62 63 and over Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Years 1 5996 77 73.16 3525 40 56.41 1639 30 33.60 905 23 24.51 1 2 4822 67 76.19 2892 57 58.99 1324 30 36.42 725 17 28.17 2 3 4368 81 79.94 2626 48 63.02 1198 31 38.46 645 28 30.00 3 4 3832 85 77.02 2353 52 62.12 1061 46 37.56 558 20 28.44 4 5 3336 85 73.06 2096 57 61.00 913 32 35.61 489 13 27.22 5 6 2838 67 68.11 1812 62 58.16 761 29 32.64 412 14 25.00 6 7 2433 71 64.23 1554 55 55.01 660 31 31.09 353 10 23.24 7 8 2066 48 60.12 1306 59 50.93 548 21 28.28 284 17 20.11 8 9 1761 49 56.52 1075 51 46.12 468 23 26.49 225 20 17.20 9 10 1457 61 51.57 870 45 40.97 385 25 23.76 181 11 15.00 10 11 1081 29 42.17 645 34 33.28 289 25 19.30 119 19 10.53 11 12 876 39 37.58 513 20 29.04 223 15 16.13 84 13 7.94 12 13 688 31 32.40 431 22 26.59 167 16 13.07 55 10 5.58 13 14 550 23 28.38 337 23 22.51 125 12 10.59 38 4 4.22 14 15 446 32 25.24 268 26 19.38 96 9 8.82 27 1 3.25 15 16 291 25 17.96 177 20 13.86 60 4 5.97 19 2 2.47 16 17 212 22 14.15 127 16 10.77 49 5 5.28 14 1 1.92 17 18 141 12 10.20 87 8 7.99 37 3 4.32 12 3 1.78 18 19 105 4 8.22 65 7 6.47 31 2 3.92 8 2 1.29 19 20 78 5 6.61 47 3 5.07 23 1 3.16 4 .70 20 21 43 3 3.94 30 2 3.51 19 4 2.82 4 .75 21 22 27 6 2.68 21 2 2.66 7 1 1.13 2 .41 22 23 11 2 1.19 12 1 1.65 4 .70 23 24 7 .82 5 2 .75 1 .19 24 1-5 22354 395 379.37 13492 254 301.54 6135 169 181.65 3322 101 138.34 1-5 6-24 15111 529 532.09 9382 458 434.72 3953 226 237.66 1841 127 141.39 6-24 Ages at Entry 15-29 30-39 40-49 Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Ratio % Exposed to Risk Actual Deaths Expected Deaths Ratio % Exposed to Risk Actual Deaths Expected Deaths Ratio % Insur- ance Years 1 161085 702 546.87 128 141770 634 549.22 115 65343 359 349.72 103 1 2 116251 622 528.18 118 109007 620 542.22 114 49932 381 365.25 104 2 3 101578 543 472.44 115 97311 529 497.98 106 44527 352 351.26 100 3 4 85627 472 406.91 116 84615 517 448.85 115 38631 370 332.34 111 4 5 70516 362 341.84 106 71956 405 396.12 102 33003 275 305.47 90 5 1-5 535057 2701 2296.24 118 504659 2705 2434.39 111 231436 1737 1704.04 102 1-5 6-7 98388 523 481.77 109 105955 608 614.66 99 49708 472 510.51 92 6-7 8-10 78589 396 393.39 101 91541 557 591.30 94 44812 537 556.46 97 8-10 11-15 44696 271 237.80 114 56474 421 454.34 93 29790 492 505.81 97 11-15 16-24 11138 84 72.14 116 13795 147 163.71 90 8057 193 221.40 87 16-24 1-24 767868 3975 3481.34 114 772424 4438 4258.40 104 363803 3431 3498.22 98 1-24 Ages at Entry 50-59 60 and over All Ages at Entry Insur- Exposed Actual Expected Ratio Exposed Actual Expected Ratio Exposed Actual Expected Ratio Insur- Years to Risk Deaths Deaths % to Risk Deaths Deaths % to Risk Deaths Deaths % Years 1 22290 230 245.77 94 2544 53 58.11 91 393032 1978 1749.69 113 1 2 17678 237 259.73 91 2049 47 64.59 73 294917 1907 1759.97 108 2 3 15893 255 265.76 96 1843 59 68.46 86 261152 1738 1655.90 105 3 4 14007 244 256.48 95 1619 66 66.00 100 224499 1669 1510.58 110 4 5 12306 258 246.12 105 1402 45 62.83 72 189183 1345 1352.38 99 5 1-5 82174 1224 1273.86 96 9457 270 319.99 84 1362783 8637 8028.52 108 1-5 6-7 19643 469 445.78 105 2186 84 111.97 75 275880 2156 2164.69 100 6-7 8-10 19421 574 549.51 104 2091 117 130.84 89 236454 2181 2221.50 98 8-10 11-15 13554 525 544.47 96 1223 124 99.43 125 145737 1833 1841.85 100 11 15 16-24 3432 248 220.79 112 294 28 36.81 76 36716 700 714.85 98 16 24 1-24 138224 3040 3034.41 100 15251 623 699.04 89 2057570 15507 14971.41 104| 1-24 SYNOPSIS 123 TABLE VII MORTALITY AMONG WOMEN SPINSTERS Ages at Entry 15-19 20-24 25-29 30-34 Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Years 1 9603 34 29.77 39271 118 129.59 42162 122 147.57 28450 67 105.27 1 2 6607 29 28.41 28631 119 128.84 33523 116 154.21 23766 72 114.08 2 3 5611 31 25.25 25115 134 115.53 30323 100 142.52 21836 63 107.00 3 4 4523 19 20.81 20905 113 98.25 26317 104 126.32 19405 82 97.03 4 5 3561 22 16.38 17054 77 81.86 22327 87 109.40 16781 62 87.26 5 6 2639 13 12.40 13112 58 62.94 17858 77 87.50 13656 51 72.38 6 7 1969 8 9.25 10181 36 49.89 14219 66 71.10 11063 63 59.74 7 8 1440 5 6.77 7866 31 38.54 11171 55 55.86 8802 38 48.41 8 9 1086 7 5.21 5978 30 29.29 8617 39 43.95 6939 28 39.55 9 10 819 7 3.93 4486 20 21.98 6491 23 33.75 5358 30 31.61 10 11 571 3 2.74 3244 12 16.22 4639 22 24.59 3837 14 23.79 11 12 441 3 2.16 2478 18 12.39 3513 13 18.97 2943 13 19.42 12 13 319 1 1.56 1762 9 8.99 2461 15 13.54 2188 14 15.32 13 14 244 1 1.20 1301 4 6.77 1827 13 10.41 1643 10 12.32 14 15 196 1 .96 962 8 5.10 1404 16 8.28 1209 7 9.67 15 16 139 .70 645 3 3.48 936 4 5.80 740 8 6.29 16 17 121 1 .61 493 4 2.71 697 2 4.60 553 4 5.03 17 18 96 1 .49 378 2 2.12 558 3 3.91 412 4 4.04 18 19 73 .38 275 2 1.60 400 5 3.00 290 3 3.07 19 20 52 .28 172 1 1.05 258 3 2.06 189 1 2.17 20 21 19 .10 60 1 .38 88 .75 62 .78 21 22 17 .09 32 .22 51 .46 32 1 .43 22 23 14 1 .08 17 .12 28 1 .27 11 .16 23 24 5 1 .03 7 .05 9 .10 6 .09 24 1-5 29905 135 120.62 130976 561 554.07 154652 529 680.02 110238 346 510.64 1-5 6-24 10260 53 48.94 53449 239 263.84 75225 357 388.90 59933 289 354.27 6-24 Ages at Entry 35-39 40-44 45-49 50-53 Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Years 1 16904 60 69.31 7824 26 36.77 3450 16 22.08 1140 12 10.37 1 2 14340 41 74.57 6655 23 42.59 2845 16 25.04 909 3 11.36 2 3 13179 59 71.17 6153 32 42.46 2611 16 24.80 815 7 11.25 3 4 11777 49 67.13 5499 27 41.24 2302 28 23.94 729 10 10.94 4 5 10269 46 60.59 4825 21 38.60 1975 18 22.32 647 5 10.55 5 6 8558 46 53.06 4019 17 34.16 1640 14 20.01 546 6 9.56 6 7 7097 28 46.84 3267 21 29.73 1334 20 17.61 475 9 9.03 7 8 5761 33 40.33 2624 22 25.72 1057 11 15.12 394 5 8.12 8 9 4590 31 34.43 2094 10 22.20 833 7 12.83 324 5 7.29 9 10 3500 18 28.00 1591 14 18.30 646 5 10.79 245 1 6.05 10 11 2484 11 21.11 1081 4 13.51 447 8 8.09 171 1 4.65 11 12 1895 5 17.24 819 8 11.06 361 9 7.08 141 1 4.23 12 13 1371 7 13.44 588 8 8.58 258 4 5.52 110 3 3.64 13 14 980 6 10.39 450 5 7.11 203 5 4.75 93 5 3.39 14 15 705 4 8.11 327 3 5.59 159 3 4.09 72 2 2.89 15 16 422 3 5.28 196 5 3.63 86 3 2.43 35 1 1.55 16 17 315 4 4.25 155 3 3.12 62 1.93 28 1 1.36 17 18 252 2 3.68 104 1 2.28 51 1 1.75 22 1 1.17 18 19 184 2.91 77 1 1.85 39 1 1.48 16 1 .93 19 20 125 2.14 54 1 1.43 23 1 .96 12 1 .76 20 21 32 2 .59 9 .26 10 .46 4 1 .27 21 22 17 .34 5 .16 6 .30 2 .15 22 23 10 .22 3 .11 4 .22 1 .08 23 24 5 .12 1 .04 2 .12 1 .. .09 24 1-5 66469 255 342.77 30956 129 201.66 13183 94 118.18 4240 37 54.47 1-5 6-24 38303 200 292.48 17464 123 188.84 7221 92 115.54 2692 44 65.21 6-24 124 TABLE VII (Concluded) MORTALITY AMONG WOMEN SPINSTERS Ages at Entry 54-56 57-59 60-62 63 and over Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Years 1 427 1 5.21 183 1 2.93 68 1.39 37 1 1.00 1 2 343 1 5.42 153 5 3.12 57 1 1.57 27 1.02 2 3 319 3 5.84 138 * 3.31 50 1 1.61 26 1.17 3 4 281 8 5.65 121 2 3.19 46 2 1.63 24 1 1.19 4 5 249 6 5.45 105 2 3.06 40 1.56 22 1.20 5 6 202 2 4.85 91 4 2.92 29 1.24 19 1.14 6 7 174 4 4.59 72 3 2.55 20 1 .94 15 .94 7 8 143 2 4.16 57 1 2.22 14 .72 9 2 .60 8 9 122 1 3.92 49 1 2.10 9 1 .51 6 .43 9 10 98 2 3.47 40 3 1.88 7 .43 5 .39 10 11 55 2.15 20 1 1.03 3 .20 2 .17 11 12 39 1.67 16 .91 3 .22 2 .18 12 13 30 3 1.41 12 .74 1 .08 1 .10 13 14 22 1.14 9 1 .60 1 .08 14 15 18 1 1.02 7 1 .51 1 .09 15 16 10 .62 3 1 .23 16 17 8 2 .53 2 .17 17 18 4 1 .29 2 .18 18 19 2 .16 2 .20 19 20 1 .08 2 .22 20 21 1 .09 1 .12 21 22 1 .10 1 1 .13 22 23 1 .11 23 24 1 .12 24 1-5 1619 19 27.57 700 10 15.61 261 4 7.76 136 2 5.58 1-5 6-24 932 18 30.48 386 17 16.71 88 2 4.51 59 2 3.95 6-24 Ages at Entry 15-29 30-39 40-49 Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Ratio % Exposed to Risk Actual Deaths Expected Deaths Ratio % Exposed to Risk Actual Deaths Expected Deaths Ratio % Insur- ance Years 1 91036 274 306.93 89 45354 127 174.58 73 11274 42 58.85 71 1 2 68761 264 311.46 85 38106 113 188.65 60 9500 39 67.63 58 2 3 61049 265 283.30 94 35015 122 178.17 68 8764 48 67.26 71 3 4 51745 236 245.38 96 31182 131 164.16 80 7801 55 65.18 84 4 5 42942 186 207.64 90 27050 108 147.85 73 6800 39 60.92 64 5 1-5 315533 1225 1354.71 90 176707 601 853.41 70 44139 223 319.84 70 1-5 6 7 59978 258 293.08 88 40374 188 232.02 81 10260 72 101.51 71 6-7 8-10 47954 217 239.28 91 34950 178 222.33 80 8845 69 104.96 66 8-10 11-15 25362 139 133.88 104 19255 91 150.81 60 4693 57 75.38 76 11-15 16-24 5640 35 35.44 99 3657 32 41.59 77 887 17 22.53 75 16-24 1-24 454467 1874 2056.39 91 274943 1090 1500.16 73 68824 438 624.22 70 1-24 Ages at Entry 50-59 60 and over All Ages at Entry Insur- Exposed Actual Expected Ratio Exposed Actual Expected Ratio Exposed Actual Expected Ratio Insur- ance Years to Risk Deaths Deaths % to Risk Deaths Deaths % to Risk Deaths Deaths % Years 1 1750 14 18.51 76 105 1 2.39 42 149519 458 561.26 82 1 2 1405 9 19.90 45 84 1 2.59 39 117856 426 590.23 72 2 3 1272 10 20.40 49 76 1 2.78 36 106176 446 551.91 81 3 4 1131 20 19.78 101 70 3 2.82 106 91929 445 497.32 89 4 5 1001 13 19.06 68 62 2.76 77855 346 438.23 79 5 1-5 6559 66 97.65 68 397 6 13.34 45 543335 2121 2638.95 80 1-5 6-7 1560 28 33.50 84 83 1 4.26 23 112255 547 664.37 82 6-7 8-10 1472 21 39.21 54 50 3 3.08 97 93271 488 608.86 80 8-10 11-15 815 19 29.98 63 14 1.12 50139 306 391.17 78 11-15 16-24 163 11 9.71 113 10347 95 109.27 87 16-24 1-24 10569 145 210.05 69 544 10 21.80 46 809347 3557 4412.62 81 1-24 SYNOPSIS 125 TABLE VIII MORTALITY AMONG WOMEN Ages at Entry 15-19 20-24 25-29 30-34 Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Years 1 1237 7 3.83 14562 85 48.05 24143 165 84.50 22327 99 82.61 1 2 645 1 2.77 9219 77 41.49 17016 121 78.27 16489 128 79.15 2 3 482 2.17 7571 53 34.83 14564 95 68.45 14262 97 69.88 3 4 376 4 1.73 6083 54 28.59 12201 77 58.56 12141 78 60.71 4 5 258 1 1.19 4714 26 22.63 9685 58 47.46 9849 58 51.21 5 6 189 2 .89 3440 21 16.51 7228 60 35.42 7444 44 39.45 6 7 111 .52 2471 11 12.11 5229 35 26.15 5582 42 30.14 7 8 72 .34 1725 7 8.45 3769 19 18.85 4042 21 22.23 8 9 46 2 .22 1206 5 5.91 2722 19 13.88 2960 27 16.87 9 10 30 1 .14 847 2 4.15 2002 10 10.41 2154 16 12.71 10 11 23 .11 645 4 3.23 1438 9 7.62 1541 11 9.55 11 12 14 .07 495 4 2.48 1121 6 6.05 1197 11 7.90 12 13 7 .03 359 3 1.83 820 7 4.51 906 10 6.34 13 14 7 .03 277 3 1.44 635 4 3.62 719 5 5.39 14 15 5 .02 215 1 1.14 498 3 2.94 578 5 4.62 15 16 2 .01 158 1 .85 368 5 2.28 422 4 3.59 16 17 117 .64 296 2 1.95 329 3 2.99 17 18 86 1 .48 222 1 1.55 256 2.51 18 19 68 .39 169 1 1.27 192 2 2.04 19 20 54 .33 125 3 1.00 143 1.64 20 21 21 .13 52 .44 53 .66 21 22 11 .07 37 .34 32 .43 22 23 3 .02 17 .17 23 .34 23 24 2 .02 9 .10 9 .14 24 1-5 2998 13 11.69 42149 295 175.59 77609 516 337.24 75068 460 343.56 1-5 6-24 506 5 2.38 12200 63 60.18 26757 184 138.55 28582 201 169.54 6-24 MARRIED WOMEN, BENEFICIARY HUSBAND Ages at Entry 35-39 40-44 45-49 50-53 Insur- nce Years Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Years 1 15991 93 65.56 9409 56 44.22 4574 37 29.27 1668 11 15.18 1 2 11955 100 62.17 7099 47 45.43 3411 33 30.02 1241 10 15.51 2 3 10380 79 56.05 6240 51 43.06 2989 23 28.40 1098 14 15.15 3 4 8899 83 50.72 5386 58 40.40 2579 37 26.82 966 10 14.49 4 5 7297 50 43.05 4404 34 35.23 2132 24 24.09 828 19 13.50 5 6 5571 37 34.54 3403 28 28.93 1685 22 20.56 670 9 11.73 6 7 4255 32 28.08 2626 25 23.90 1307 13 17.25 547 14 10.39 7 8 3128 18 21.90 1912 11 18.74 990 15 14.16 422 8 8.69 8 9 2303 16 17.27 1427 18 15.13 759 9 11.69 341 11 7.67 9 10 1733 19 13.86 1073 18 12.34 558 11 9.32 256 7 6.32 10 11 1239 11 10.53 742 14 9.28 411 7 7.44 174 1 4.73 11 12 962 7 8.75 594 8 8.02 324 9 6.35 143 5 4.29 12 13 706 2 6.92 457 6 6.67 248 6 5.31 111 5 3.67 13 14 542 7 5.75 366 5 5.78 205 4 4.80 92 4 3.36 14 15 415 2 4.77 288 5 4.92 172 5 4.42 72 2 2.89 15 16 298 2 3.73 201 2 3.72 113 3 3.20 49 5 2.17 16 17 234 3 3.16 160 1 3.22 85 5 2.65 30 5 1.46 17 18 184 5 2.69 119 2 2.61 56 1 1.93 23 3 1.22 18 19 133 1 2.10 102 2 2.45 44 2 1.67 14 2 .81 19 20 102 2 1.74 70 1.85 31 1 1.29 8 2 .51 20 21 41 1 .76 30 1 .87 18 1 .82 5 .34 21 22 28 .56 19 2 .61 11 .55 1 .07 22 23 14 2 .31 12 .42 6 1 .33 1 .08 23 24 6 .14 8 .31 4 1 .24 1 .09 24 1-5 54522 405 277.55 32538 246 208.34 15685 154 138.60 5801 64 73.83 1-5 6-24 21894 167 167.56 13609 148 149.77 7027 116 113.98 2960 83 70.49 6-24 126 TABLE VIII (Concluded) MORTALITY AMONG WOMEN Ages at Entry 54-56 57-59 60-62 63 and over Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Years 1 540 5 6.59 241 3 3.86 94 3 1.93 27 .72 1 2 422 4 6.67 187 1 3.81 71 3 1.95 18 .68 2 3 372 7 6.81 158 5 3.79 64 2 2.05 14 .64 3 4 332 3 6.67 129 4 3.41 58 1 2.05 13 1 .66 4 5 282 7 6.18 116 1 3.38 50 3 1.95 10 .56 5 6 228 6 5.47 97 4 3.11 40 1.72 6 .39 6 7 179 4 4.73 74 3 2.62 38 2 1.79 3 .22 7 8 143 4 4.16 56 1 2.18 31 2 1.60 2 .15 8 9 116 2 3.72 47 2.02 26 1.47 1 .07 9 10 97 5 3.43 36 1 1.70 21 1.30 1 .08 10 11 60 2.34 23 1 1.19 16 1 1.07 1 .08 11 12 51 4 2.19 20 1 1.13 13 .94 12 13 37 5 1.74 14 1 .86 10 .78 13 14 26 1 1.34 7 1 .47 7 1 .59 14 15 21 3 1.19 6 2 .43 5 .46 15 16 13 1 .80 2 .16 4 1 .40 16 17 11 2 .73 2 1 .17 3 .32 17 18 8 1 .58 1 .09 2 .23 18 19 4 .31 2 .25 19 20 3 .25 20 21 2 1 .18 21 22 22 23 23 24 24 1-5 1948 26 32.92 831 14 18.25 337 12 9.93 82 1 3.26 1-5 6-24 999 39 33.16 385 16 16.13 218 7 12.92 14 .99 6-24 MARRIED WOMEN, BENEFICIARY HUSBAND Ages at Entry 15-29 30-39 40-49 Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Ratio % Exposed to Risk Actual Deaths Expected Deaths Ratio % Exposed to Risk Actual Deaths Expected Deaths Ratio % Insur- ance Years 1 39942 257 136.38 188 38318 192 148.17 130 13983 93 73.49 127 1 2 26880 199 122.53 162 28444 228 141.32 161 10510 80 75.45 106 2 3 22617 148 105.45 140 24642 176 125.93 140 9229 74 71.46 104 3 4 18660 135 88.88 152 21040 161 111.43 144 7965 95 67.22 141 4 5 14657 85 71.28 119 17146 108 94.26 115 6536 58 59.32 98 5 1-5 122756 824 524.52 157 129590 865 621.11 139 48223 400 346.94 115 1-5 6-7 18668 129 91.60 141 22852 155 132.21 117 9021 88 90.64 97 6-7 8-10 12419 65 62.35 104 16320 117 104.84 112 6719 82 81.38 101 8-10 11-15 6559 44 35.12 125 8805 71 70.52 101 3807 69 62.99 110 11-15 16-24 1817 14 12.04 116 2499 25 29.53 85 1089 25 28.74 87 16-24 1-24 162219 1076 725.63 148 180066 1233 958.21 129 68859 664 610.69 109 1-24 Ages at Entry 50-59 60 and over All Ages at Entry Insur- Exposed Actual Expected Ratio Exposed Actual Expected Ratio Exposed Actual Expected Ratio Insur- Years to Risk Deaths Deaths % to Risk Deaths Deaths % to Risk Deaths Deaths % Years 1 2449 19 25.63 74 121 3 2.65 113 94813 564 386.32 146 1 2 1850 15 25.99 58 89 3 2.63 114 67773 525 367.92 143 2 3 1628 26 25.75 101 78 2 2.69 74 58194 426 331.28 129 3 4 1427 17 24.57 69 71 2 2.71 74 49163 410 294.81 139 4 5 1226 27 23.06 117 60 3 2.51 120 39625 281 250.43 112 5 1-5 8580 104 125.00 83 419 13 13.19 99 309568 2206 1630.76 135 1-5 6-7 1795 40 38.05 105 87 2 4.12 49 52423 414 356.62 116 6-7 8-10 1514 39 39.89 98 82 2 4.67 43 37054 305 293.13 104 8-10 11-15 857 36 31.82 113 52 2 3.92 51 20080 222 204.37 109 11-15 16-24 178 23 10.02 230 11 1 1.20 83 5594 88 81.53 108 16-24 1-24 12924 242 244.78 99 651 20 27.10 74 424719 3235 2566.41 126 1-24 SYNOPSIS 127 TABLE IX MORTALITY AMONG WOMEN Ages at Entry 15-19 20-24 25-29 30-34 Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Years 1 415 2 1.29 6845 40 22.59 15380 91 53.83 18380 100 68.01 1 2 255 2 1.10 4553 50 20.49 11033 82 50.75 13667 93 65.60 2 3 201 3 .90 3923 27 18.05 9731 66 45.74 12250 87 60.03 3 4 167 4 .77 3379 18 15.88 8406 54 40.35 10727 90 53.64 4 5 135 .62 2878 16 13.81 7258 55 35.56 9282 68 48.27 5 6 119 2 .56 2414 16 11.59 6084 48 29.81 7892 47 41.83 6 7 98 1 .46 2014 20 9.87 5126 27 25.63 6689 46 36.12 7 8 82 1 .39 1641 13 8.04 4235 25 21.18 5547 30 30.51 8 9 64 .31 1316 9 6.45 3461 22 17.65 4563 33 26.01 9 10 47 1 .23 1064 7 5.21 2802 18 14.57 3659 19 21.59 10 11 40 .19 876 4 4.38 2211 14 11.72 2904 23 18.00 11 12 32 .16 725 1 3.63 1851 16 10.00 2407 18 15.89 12 13 23 .11 546 4 2.78 1408 13 7.74 1878 25 13.15 13 14 14 .07 430 1 2.24 1129 12 6.44 1486 13 11.15 14 15 10 .05 320 1 1.70 909 2 5.36 1170 8 9.36 15 16 4 .02 229 2 1.24 642 6 3.98 805 8 6.84 16 17 4 .02 180 .99 510 8 3.37 631 5 5.74 17 18 4 .02 148 2 .83 407 3 2.85 495 2 4.85 18 19 3 .02 103 1 .60 307 2 2.30 381 1 4.04 19 20 1 .01 78 1 .48 214 1.71 271 4 3.12 20 21 28 .18 96 1 .82 118 4 1.48 21 22 17 .12 61 1 .56 67 .90 22 23 11 .08 35 .34 34 2 .50 23 24 • • 7 1 .05 19 .20 18 1 .28 24 1-5 1173 11 4.68 21578 151 90.82 51808 348 226.23 64306 438 295.55 1-5 6-24 545 5 2.62 12147 83 60.46 31507 218 166.23 41015 289 251.36 6-24 MARRIED WOMEN, BENEFICIARY OTHER THAN HUSBAND Ages at Entry 35-39 40-44 45-49 50-53 Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Years 1 15902 102 65.20 11397 72 53.57 7630 44 48.83 3781 32 34.41 1 2 11897 87 61.86 8620 70 55.17 5750 53 50.60 2980 37 37.25 2 3 10627 60 57.39 7699 53 53.12 5108 57 48.53 2677 38 36.94 3 4 9314 61 53.09 6700 53 50.25 4506 48 46.86 2382 33 35.73 4 5 8064 48 47.58 5812 43 46.50 3914 40 44.23 2117 38 34.51 5 6 6834 40 42.37 4905 30 41.69 3343 38 40.78 1853 23 32.43 6 7 5833 36 38.50 4193 37 38.16 2819 45 37.21 1642 37 31.20 7 8 4851 40 33.96 3475 40 34.06 2389 32 34.16 1402 23 28.88 8 9 4034 28 30.26 2867 25 30.39 2031 34 31.28 1185 29 26.66 9 10 3308 25 26.46 2336 35 26.86 1688 29 28.19 989 31 24.43 10 11 2599 24 22.09 1839 19 22.99 1313 24 23.77 740 19 20.13 11 12 2091 19 19.03 1496 18 20.20 1120 27 21.95 610 22 18.30 12 13 1600 16 15.68 1174 13 17.14 916 28 19.60 499 15 16.52 13 14 1214 12 12.87 945 13 14.93 737 15 17.25 421 22 15.37 14 15 964 11 11.09 759 19 12.98 598 19 15.37 343 14 13.79 15 16 631 10 7.89 517 9 9.56 382 8 10.81 204 5 9.02 16 17 477 11 6.44 403 6 8.10 299 12 9.33 158 2 7.66 17 18 382 6 5.58 323 3 7.07 222 6 7.64 113 6 6.00 18 19 288 4 4.55 253 4 6.07 170 3 6.44 87 7 5.05 19 20 211 1 3.61 179 4 4.73 124 3 5.17 59 4 3.73 20 21 99 1.83 90 2 2.62 78 5 3.57 31 2.12 21 22 60 2 1.21 55 1.77 50 1 2.52 18 1.33 22 23 33 2 .72 40 2 1.42 25 1.38 13 1 1.04 23 24 14 .34 21 .82 12 .72 4 1 .35 24 1-5 55804 358 285.12 40228 291 258.61 26908 242 239.05 13937 178 178.84 1-5 6-24 35523 287 284.48 25870 279 301.56 18316 329 317.14 10371 261 264.01 6-24 128 TABLE IX {Concluded) MORTALITY AMONG WOMEN Ages at Entry 54-56 57-59 60-62 63 and over Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Years 1 1725 27 21.05 936 12 14.98 398 9 8.16 184 3 4.92 1 2 1397 25 22.07 745 19 15.20 326 4 8.97 153 3 5.83 2 3 1267 19 23.19 681 17 16.34 300 6 9.63 137 6 6.23 3 4 1129 23 22.69 612 13 16.16 265 16 9.38 113 3 5.60 4 5 1005 27 22.01 543 16 15.80 222 6 8.66 92 5.03 5 6 871 27 20.90 473 14 15.18 180 8 7.72 82 1 4.88 6 7 749 25 19.77 412 16 14.58 159 6 7.49 76 2 4.91 7 8 635 11 18.48 355 9 13.85 131 1 6.76 61 3 4.24 8 9 554 15 17.78 299 13 12.83 119 6 6.74 50 6 3.77 9 10 456 18 16.14 247 18 11.63 103 9 6.36 42 5 3.46 10 11 353 13 13.77 187 13 9.65 77 5 5.14 26 4 2.30 11 12 282 11 12.10 145 2 8.21 64 4 4.63 19 3 1.75 12 13 221 9 10.41 129 3 7.96 47 8 3.68 11 2 1.09 13 14 177 9 9.13 106 7 7.08 34 4 2.88 7 2 .76 14 15 146 7 8.26 85 4 6.15 22 3 2.02 2 .23 15 16 103 10 6.36 58 5 4.54 12 1.19 16 17 77 10 5.14 41 7 3.48 9 1 .97 17 18 50 4 3.62 28 2 2.57 6 .70 18 19 40 2 3.13 20 3 1.99 6 .76 19 20 27 1 2.29 14 1.51 4 .55 20 21 12 1.10 10 2 1.17 4 .59 21 22 12 3 1.19 6 1 .76 1 .16 22 23 4 2 .43 4 1 .55 23 24 1 .12 3 1 .45 24 1-5 6523 121 111.01 3517 77 78.48 1511 41 44.80 679 15 27.61 1-5 6-24 4770 177 170.12 2622 121 124.14 978 55 58.34 376 28 27.39 6-24 MARRIED WOMEN, BENEFICIARY OTHER THAN HUSBAND Ages at Entry 15-29 30-39 40-49 Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Ratio % Exposed to Risk Actual Deaths Expected Deaths Ratio % Exposed to Risk Actual Deaths Expected Deaths Ratio % Insur- ance- Years 1 22640 133 77.71 171 34282 202 133.21 152 19027 116 102.40 113 1 2 15841 134 72.34 185 25564 180 127.46 141 14370 123 105.77 116 2 3 13855 96 64.69 148 22877 147 117.42 125 12807 110 101.65 108 3 4 11952 76 57.00 133 20041 151 106.73 141 11206 101 97.11 104 4 5 10271 71 49.99 142 17346 116 95.85 121 9726 83 90.73 91 5 1-5 74559 510 321.73 159 120110 796 580.67 137 67136 533 497.66 107 1-5 6 7 15855 114 77.92 146 27248 169 158.82 106 15260 150 157.84 95 6-7 8-10 14712 96 74.03 130 25962 175 168.79 104 14786 195 184.94 105 8-10 11-15 10524 68 56.57 120 18313 169 148.31 114 10897 195 186.18 105 11-15 16-24 3108 28 20.79 135 5015 63 59.92 105 3243 68 89.74 76 16-24 1-24 118758 816 551.04 148 196648 1372 1116.51 123 Tl1322 1141 1116.36 102 1-24 Ages at Entry 50-59 60 and over All Ages at Entry Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Ratio % Exposed to Risk Actual Deaths Expected Deaths Ratio % Exposed to Risk Actual Deaths Expected Deaths Ratio % Insur- ance Years 1 6442 71 70.44 101 582 12 13.08 92 82973 534 396.84 135 1 2 5122 81 74.52 109 479 7 14.80 47 61376 525 394.89 133 2 3 4625 74 76.47 97 437 12 15.86 76 54601 439 376.09 117 3 4 4123 69 74.58 93 378 19 14.98 127 47700 416 350.40 119 4 5 3665 81 72.32 112 314 6 13.69 44 41322 357 322.58 111 5 1-5 23977 376 368.33 102 2190 56 72.41 77 287972 2271 1840.80 123 1-5 6-7 6000 142 134.06 106 497 17 25.00 68 64860 592 553.64 107 6-7 8-10 6122 167 170.68 98 506 30 31.33 96 62088 663 629.77 105 8-10 11-15 4444 170 176.83 96 309 35 24.48 143 44487 637 592.37 108 11-15 16-24 1197 80 76.70 104 42 1 4.92 20 12605 240 252.07 95 16-24 1-24 41740 935 926.60 101 3544 139 158.14 88 472012 4403 3868.65 114 1-24 SYNOPSIS 129 TABLE X MORTALITY AMONG WOMEN Ages at Entry 15-19 20-24 25-29 30-34 Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Years 1 45 1 .14 1347 7 4.45 6075 30 21.26 10967 44 40.58 1 2 20 .09 783 5 3.52 3966 20 18.24 7638 51 36.66 2 3 17 .08 648 8 2.98 3392 26 15.94 6668 40 32.67 3 4 12 .06 487 3 2.29 2771 22 13.30 5540 28 27.70 4 5 8 .04 369 3 1.77 2269 17 11.12 4687 32 24.37 5 6 5 .02 289 5 1.39 1840 7 9.02 3820 23 20.25 6 7 4 .02 233 2 1.14 1516 8 7.58 3107 14 16.78 7 8 4 .02 189 3 .93 1233 4 6.17 2553 8 14.04 8 9 3 .01 152 2 .74 1001 5 5.11 2064 16 11.76 9 10 3 .01 122 2 .60 797 2 4.14 1653 7 9.75 10 11 1 .00 93 3 .47 618 5 3.28 1295 9 8.03 11 12 1 .00 73 .37 477 4 2.58 1073 3 7.08 12 13 1 .00 56 .29 353 4 1.94 838 6 5.87 13 14 51 1 .27 278 1 1.58 674 7 5.06 14 15 39 .21 210 2 1.24 509 3 4.07 15 16 29 1 .16 157 .97 342 3 2.91 16 17 22 1 .12 111 1 .73 271 1 2.47 17 18 12 .07 88 2 .62 198 1.94 18 19 8 .05 65 1 .49 147 1 1.56 19 20 4 .02 50 .40 99 1.14 20 21 15 1 .13 41 1 .51 21 22 7 .06 24 .32 22 23 3 .03 15 .22 23 24 2 .02 7 .11 24 1-5 102 1 .41 3634 26 15.01 18473 115 79.86 35500 195 161.98 1-5 6-24 22 .08 1372 20 6.83 8821 47 46.09 18730 102 113.87 6-24 WIDOWS AND DIVORCED Ages at Entry 35-39 40-44 45-49 50-53 Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Years 1 12849 69 52.68 11646 48 54.74 9413 60 60.24 6180 58 56.24 1 2 9255 48 48.13 8525 61 54.56 7027 78 61.84 4834 63 60.43 2 3 8109 44 43.79 7507 53 51.80 6220 67 59.09 4309 67 59.46 3 4 6812 46 38.83 6354 48 47.66 5305 71 55.17 3745 54 56.18 4 5 5727 41 33.79 5406 42 43.25 4535 53 51.25 3282 54 53.50 5 6 4695 35 29.11 4438 46 37.72 3832 40 46.75 2839 57 49.68 6 7 3859 24 25.47 3655 33 33.26 3242 43 42.79 2434 59 46.25 7 8 3194 20 22.36 3005 30 29.45 2729 46 39.02 2085 52 42.95 8 9 2663 23 19.97 2518 15 26.69 2266 39 34.90 1764 45 39.69 9 10 2182 13 17.46 2066 30 23.76 1878 31 31.36 1479 44 36.53 10 11 1722 22 14.64 1596 14 19.95 1460 27 26.43 1131 30 30.76 11 12 1384 11 12.59 1288 18 17.39 1196 19 23.44 922 22 27.66 12 13 1082 9 10.60 1006 12 14.69 972 21 20.80 759 26 25.12 13 14 854 9 9.05 809 10 12.78 785 23 18.37 625 22 22.81 14 15 670 11 7.71 640 11 10.94 641 16 16.47 490 25 19.70 15 16 446 5 5.58 411 5 7.60 428 15 12.11 322 22 14.23 16 17 347 6 4.68 310 6 6.23 317 8 9.89 229 13 11.11 17 18 250 3 3.65 236 3 5.17 236 5 8.12 168 12 8.92 18 19 194 1 3.07 186 1 4.46 177 8 6.71 110 5 6.39 19 20 125 4 2.14 140 7 3.70 131 8 5.46 80 3 5.06 20 21 54 1 1.00 61 2 1.78 65 3 2.98 43 2 2.95 21 22 30 .60 37 1 1.19 45 5 2.26 28 1 2.07 22 23 21 1 .46 19 1 .67 23 2 1.27 17 1.37 23 24 13 .31 8 3 .31 8 .48 9 1 .78 24 1-5 42752 248 217.22 39438 252 252.01 32500 329 287.59 22350 296 285.81 1-5 6-24 23785 198 190.45 22429 248 257.74 20431 359 349.61 15534 441 394.03 6-24 130 TABLE X (Concluded) MORTALITY AMONG WOMEN WIDOWS AND DIVORCED Ages at Entry 54-56 57-59 60-62 63 and over Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Years 1 3304 44 40.31 2165 24 34.64 1079 18 22.12 657 19 17.87 1 2 2660 37 42.03 1807 32 36.86 870 22 23.93 527 14 20.64 2 3 2410 52 44.10 1649 26 39.58 784 22 25.17 468 22 21.96 3 4 2090 51 42.01 1491 33 39.36 692 27 24.50 408 15 20.99 4 5 1800 45 39.42 1332 38 38.76 601 23 23.44 365 13 20.43 5 6 1537 32 36.89 1151 40 36.95 512 21 21.96 305 13 18.59 6 7 1331 38 35.14 996 33 35.26 443 22 20.87 259 8 17.17 7 8 1145 31 33.32 838 48 32.68 372 18 19.20 212 12 15.12 8 9 969 31 31.10 680 37 29.17 314 16 17.77 168 14 12.93 9 10 806 36 28.53 547 23 25.76 254 16 15.67 133 6 11.07 10 11 613 16 23.91 415 19 21.41 193 19 12.89 90 15 7.98 11 12 504 24 21.62 332 17 18.79 143 11 10.34 63 10 6.01 12 13 400 14 18.84 276 18 17.03 109 8 8.53 43 8 4.39 13 14 325 13 16.77 215 14 14.36 83 7 7.04 31 2 3.46 14 15 261 21 14.77 170 19 12.29 68 6 6.25 25 1 3.02 15 16 165 14 10.18 114 14 8.93 44 3 4.38 19 2 2.47 16 17 116 8 7.75 82 8 6.95 37 4 3.99 14 1 1.92 17 18 79 6 5.71 56 6 5.15 29 3 3.39 12 3 1.78 18 19 59 2 4.62 43 4 4.28 23 2 2.91 8 2 1.29 19 20 47 4 3.99 31 3 3.34 19 1 2.61 4 .70 20 21 28 2 2.57 19 2.22 15 4 2.23 4 .75 21 22 14 3 1.39 14 1.77 6 1 .97 2 .41 22 23 6 .65 8 1.10 4 .70 23 24 5 .58 2 1 .30 1 .19 24 1-5 12264 229 207.87 8444 153 189.20 4026 112 119.16 2425 83 101.89 1-5 6-24 8410 295 298.33 5989 304 277.74 2669 162 161.89 1392 97 109.06 6-24 Ages at Entry 15-29 30-39 40-49 Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Ratio % Exposed to Risk Actual Deaths Expected Deaths Ratio % Exposed to Risk Actual Deaths Expected Deaths Ratio % Insur- ance Years 1 7467 38 25.85 147 23816 113 93.26 121 21059 108 114.98 94 1 2 4769 25 21.85 114 16893 99 84.79 117 15552 139 116.40 119 2 3 4057 34 19.00 179 14777 84 76.46 110 13727 120 110.89 108 3 4 3270 25 15.65 160 12352 74 66.53 111 11659 119 102.83 116 4 5 2646 20 12.93 155 10414 73 58.16 126 9941 95 94.50 101 5 1-5 22209 142 95.28 149 78252 443 379.20 117 71938 581 539.60 108 1-5 6 7 3887 22 19.17 115 15481 96 91.61 105 15167 162 160.52 101 6-7 8-10 3504 18 17.73 102 14309 87 95.34 91 14462 191 185.18 103 8-10 11-15 2251 20 12.23 164 10101 90 84.70 106 10393 171 181.26 94 11-15 16-24 573 7 3.87 181 2624 27 32.67 83 2838 83 80.39 103 16-24 1-24 32424 209 148.28 141 120767 743 683.52 109 114798 1188 1146.95 104 1-24 Ages at Entry 50-59 60 and over All Ages at Entry Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Ratio % Exposed to Risk Actual Deaths Expected Deaths Ratio % Exposed to Risk Actual Deaths Expected Deaths Ratio % Insur- ance Years 1 11649 126 131.19 96 1736 37 39.99 93 65727 422 405.27 104 1 2 9301 132 139.32 95 1397 36 44.57 81 47912 431 406.93 106 2 3 8368 145 143.14 101 1252 44 47.13 93 42181 427 396.62 108 3 4 7326 138 137.55 100 1100 42 45.49 92 35707 398 368.05 108 4 5 6414 137 131.68 104 966 36 43.87 82 30381 361 341.14 106 5 1-5 43058 678 682.88 99 6451 195 221.05 88 221908 2039 1918.01 106 1-5 6-7 10288 259 240.17 108 1519 64 78.59 81 46342 603 590.06 102 6-7 8-10 10313 347 299.73 116 1453 82 91.76 89 44041 725 689.74 105 8-10 11-15 7438 300 305.84 98 848 87 69.91 124 31031 668 653.94 102 11-15 16-24 1894 134 124.36 108 241 26 30.69 85 8170 277 271.98 102 16-24 1-24 72991 1718 1652.98 104 10512 454 492.00 92 351492 4312 4123.73 105 1-24 SYNOPSIS 131 TABLE XI WOMEN INFLUENCE OF BUILD ON MORTALITY Height 4 Feet 11 Inches to 5 Feet 10 Inches Inclusive-All Policy Years Combined Variation from Average Weight in Pounds Ages at Entry 20 to 24 Inclusive Ages at Entry 25 to 29 Inclusive Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % - 50 and more 2 .14 1 - 35 to -45 63 2 1.40 * 239 7 6.56 107 - 25 to -30 1361 43 29.04 148 3393 107 86.58 124 -15 to -20 8427 206 177.93 116 14237 386 353.81 109 - 5 to -10 10692 250 223.29 112 9750 277 242.75 114 Average 2139 59 44.10 134 2672 66 64.61 102 + 5 to +10 3247 75 65.85 114 3958 99 92.50 107 +15 to +20 1550 41 30.88 133 2078 58 47.94 121 +25 to +30 625 16 12.01 133 1039 27 23.55 115 +35 to +45 245 3 4.79 * 649 16 15.23 105 +50 to +60 146 5 2.95 * 498 9 12.71 71 +65 to +80 42 .87 129 12 3.53 * +85 and more 7 .30 • • 11 .37 Total 28546 700 593.55 118 38654 1064 950.14 112 Variation from Average Weight in Pounds Ages at Entry 30 to 34 Inclusive Ages at Entry 35 to 39 Inclusive Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % - 50 and more 5 1 .23 * 19 .55 -35 to -45 505 16 16.04 100 990 35 37.28 94 -25 to -30 4995 133 147.11 90 5218 176 193.10 91 -15 to -20 12537 409 365.43 112 6037 235 214.61 110 - 5 to -10 4983 123 144.72 85 3031 94 103.18 91 Average 2031 70 56.66 124 1319 28 43.14 65 + 5 to +10 3172 88 86.83 101 2197 71 73.46 97 "|-15 to -|-20 1949 48 53.05 90 1551 52 52.69 99 +25 to +30 1134 25 30.87 81 960 29 31.57 92 +35 to +45 1002 33 28.97 114 1216 53 44.28 120 +50 to +60 705 25 20.45 122 708 34 23.40 145 +65 to +80 150 5 5.39 * 149 5 5.95 * +85 and more 20 .83 21 1 .61 * Total 33188 976 956.58 102 23416 813 823.82 99 Variation from Average Weight in Pounds Ages at Entry 40 to 44 Inclusive Ages at Entry 45 to 49 Inclusive Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Dea tlis Ratio % - 50 and more 16 2 .99 * 21 1 1.43 * -35 to -45 1065 38 52.78 72 803 73 54.67 134 -25 to -30 3838 134 181.23 74 1897 107 133.83 80 -15 to -20 1960 97 94.88 102 899 55 64.67 85 - 5 to -10 1627 69 77.80 89 876 59 57.82 102 Average 755 32 33.97 94 437 23 28.49 81 + 5 to +10 1257 53 56.74 93 791 60 56.39 106 + 15 to +20 1066 53 49.09 108 603 47 40.19 117 +25 to +30 679 33 32.34 102 426 41 30.91 133 +35 to +45 1287 77 62.69 123 988 85 71.19 119 +50 to +60 429 24 23.64 102 312 28 26.16 107 -p65 to +80 113 10 7.37 136 73 13 7.70 169 +85 and more 11 1 .98 * 10 .64 Total 14103 623 674.50 92 8136 592 574.09 103 *Ratios not given on account of scantiness of data. 132 TABLE XI {Concluded) WOMEN INFLUENCE OF BUILD ON MORTALITY Height 4 Feet 11 Inches to 5 Feet 10 Inches Inclusive-All Policy Years Combined Variation from Average Weight in Pounds Ages at Entry 50 to 53 Inclusive Ages at Entry 54 to 56 Inclusive Number Entering Actual Deaths Expected Deaths Ratio % Number Entering Actual Deaths Expected Deaths Ratio % - 50 and more 22 4 4.12 * 13 1.83 -35 to -45 479 45 50.26 90 221 30 32.49 92 -25 to -30 770 86 83.29 103 288 53 46.31 114 - 15 to -20 351 41 39.90 103 129 23 21.13 109 - 5 to -10 377 50 39.96 125 150 32 23.98 133 Average 227 32 24.20 132 97 13 13.76 94 + 5 to 4-10 350 37 40.36 92 182 28 33.28 84 4-15 to 4-20 321 51 31.93 160 126 22 17.99 122 +25 to +30 323 44 39.71 111 138 31 21.55 144 4-35 to 4-45 529 89 63.81 139 226 35 35.72 98 4-50 to 4-60 148 19 16.83 113 53 12 6.69 179 4-65 to 4-80 28 7 3.63 * 8 5 1.45 * 4-85 and more 8 2 1.11 * 1 .01 Total 3933 507 439.11 115 1632 284 256.19 111 Ages at Entry 57 to 59 Inclusive Ages at Entry 60 to 62 Inclusive Variation from Average Weight in Pounds Number Actual Expected Ratio Number Actual Expected Ratio Entering Deaths Deaths % Entering Deaths Deaths % - 50 and more 10 1 1.71 * 2 .80 -35 to -45 141 34 32.58 104 59 13 15.33 85 -25 to -30 159 30 29.35 102 79 23 23.75 97 -15 to -20 64 11 16.37 67 31 6 6.99 86 - 5 to -10 71 20 17.69 113 24 7 5.21 134 Average 52 13 11.67 111 15 6 4.80 125 4* 5 to +10 79 15 17.53 86 27 11 8.17 135 +15 to +20 72 18 17.40 103 27 10 8.37 119 -f-25 to +30 73 17 18.82 90 35 12 10.11 119 +35 to +45 120 42 26.26 160 42 13 11.54 113 +50 to +60 21 8 4.36 * 11 4 2.84 * +65 to +80 4 1 .99 * +85 and more Total 866 210 194.73 108 352 105 97.91 107 TOTAL-AGES AT ENTRY 20 TO 62 INCLUSIVE Variation from Average Weight in Pounds Number Entering Actual Deaths Expected Deaths Ratio % - 50 and more 111 9 11.80 76 -35 to -45 4565 293 299.39 98 -25 to -30 21998 892 953.59 94 -15 to -20 44672 1469 1355.72 108 - 5 to -10 31581 981 936.40 105 Average 9744 342 325.40 105 + 5 to +10 15260 537 531.11 101 -4-15 to 4-20 9343 400 349.53 114 4-25 to +30 5432 275 251.44 109 +35 to +45 6304 446 364.48 122 +50 to +60 3031 168 140.03 120 +65 to +80 696 58 36.88 157 +85 and more 89 4 4.85 * Total 152826 5874 5560.62 106 *Ratios not given on account of scantiness of data. 133 TABLE XII MORTALITY AMONG CERTAIN RACES NORTH AMERICAN INDIANS Ages at Entry 15-19 20-24 25-29 30-34 Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Years 1 28 .09 162 .53 319 2 1.12 284 2 1.05 1 2 18 .08 85 1 .38 187 .86 172 2 .83 2 3 14 .06 73 1 .34 154 4 .72 143 3 .70 3 4 12 .06 53 .25 124 .60 115 .58 4 5 11 .05 43 .21 96 2 .47 100 .52 5 6 4 .02 28 .13 73 .36 86 .46 6 7 4 .02 25 1 .12 62 .31 64 2 .35 7 8 2 .01 17 .08 44 .22 53 1 .29 8 9 2 .01 13 .06 34 .17 43 .25 9 10 1 .00 11 .05 29 .15 37 1 .22 10 11 11 .06 22 1 .12 24 .15 11 12 8 .04 18 .10 22 .15 12 13 6 .03 15 .08 21 .15 13 14 6 .03 14 2 .08 17 .13 14 15 6 .03 11 .06 12 .10 15 16 5 1 .03 9 .06 10 .09 16 17 4 .02 8 .05 6 .05 17 18 3 1 .02 7 .05 5 .05 18 19 1 .01 4 .03 5 .05 19 20 4 .03 4 .05 20 21 2 .02 2 .03 21 22 2 .02 22 23 1 .01 23 24 1 .01 24 1-5 83 .34 416 2 1.71 880 8 3.77 814 7 3.68 1-5 6-24 13 .06 144 3 .71 360 3 1.93 411 4 2.57 6-24 Ages at Entry 35-39 40-44 45-49 50-53 Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Years 1 287 1.18 176 1 .83 87 .56 29 .26 1 2 196 1.02 119 1 .76 59 1 .52 18 2 .23 2 3 166 2 .90 104 .72 45 .43 14 .19 3 4 135 1 .77 84 1 .63 34 .35 10 .15 4 5 108 2 .64 62 .50 26 .29 7 .11 5 6 83 1 .51 49 1 .42 20 .24 7 .12 6 7 65 .43 33 .30 17 .22 7 1 .13 7 8 51 .36 25 .25 16 .23 6 .12 8 9 41 .31 18 .19 15 .23 5 .11 9 10 36 .29 16 .18 12 .20 4 .10 10 11 27 .23 10 .13 7 .13 4 .11 11 12 20 .18 9 .12 7 .14 3 .09 12 13 18 .18 7 .10 6 .13 2 .07 13 14 13 .14 6 .09 5 3 .12 1 .04 14 15 12 .14 4 .07 2 .05 1 .04 15 16 10 .13 2 .04 1 .03 1 1 .04 16 17 7 .09 1 .02 17 18 5 .07 1 .02 18 19 3 .05 1 .02 19 20 3 .05 1 .03 20 21 2 .04 21 22 22 23 23 24 24 1-5 892 5 4.51 545 3 3.44 251 1 2.15 78 2 .94 1-5 6-24 396 1 3.20 183 1 1.98 108 3 1.72 41 2 .97 6-24 134 TABLE XII (Concluded) MORTALITY AMONG CERTAIN RACES NORTH AMERICAN INDIANS Ages at Entry 54-56 57-59 60-62 63 and over Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Years 1 13 .16 11 .18 5 .10 1 .03 1 2 5 .08 8 .16 4 .11 1 .04 2 3 4 .07 6 1 .14 4 .13 1 .04 3 4 4 .08 5 .13 1 .04 1 .05 4 5 4 .09 4 .12 1 .04 1 .05 5 6 4 .10 3 .10 1 .04 1 .06 6 7 3 .08 2 .07 1 .06 7 8 2 .06 1 .04 1 .07 8 9 2 .06 1 .04 1 .07 9 10 2 .07 1 .05 1 .08 10 11 2 1 .08 1 .08 11 12 1 .04 1 .09 12 13 1 .05 1 .10 13 14 1 .05 1 .11 14 15 1 .06 1 .12 15 16 1 .06 1 .13 16 17 1 .07 1 .14 17 18 1 .15 18 19 19 20 20 21 21 22 22 23 23 24 24 1-5 30 .48 34 1 .73 15 .42 5 .21 1-5 6 24 21 1 .78 8 .30 1 .04 13 1.26 6-24 Ages at Entry 15-29 30-39 40-49 Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Ratio % Exposed to Risk Actual Deaths Expected Deaths Ratio % Exposed to Risk Actual Deaths Expected Deaths Ratio % Insur- ance Years 1 509 2 1.74 115 571 2 2.23 90 263 1 1.39 72 1 2 290 1 1.32 76 368 2 1.85 108 178 2 1.28 156 2 3 241 5 1.12 446 309 5 1.60 313 149 1.15 3 4 189 .91 250 1 1.35 74 118 1 .98 102 4 5 150 2 .73 274 208 2 1.16 172 88 .79 5 1-5 1379 10 5.82 172 1706 12 8.19 147 796 4 5.59 72 1-5 6-7 196 1 .96 104 298 3 1.75 171 119 1 1.18 85 6-7 8-10 153 .75 261 2 1.72 116 102 1.28 8-10 11-15 117 3 .63 476 186 1.55 63 3 1.08 278 11-15 16-24 51 2 .36 556 62 .75 7 .16 16-24 1-24 1896 16 8.52 188 2513 17 13.96 122 1087 8 9.29 86 1-24 Ages at Entry 50-59 60 and over All Ages at Entry Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Ratio % Exposed to Risk Actual Deaths Expected Deaths Ratio % Exposed to Risk Actual Deaths Expected Deaths Ratio % Insur- ance Years 1 53 .60 6 .13 1402 5 6.09 82 1 2 31 2 .47 426 5 .15 872 7 5.07 138 2 3 24 1 .40 250 5 .17 728 11 4.44 248 3 4 19 .36 2 .09 578 2 3.69 54 4 5 15 .32 2 .09 463 4 3.09 129 5 1-5 142 3 2.15 140 20 .63 4043 29 22.38 130 1-5 6-7 26 1 .60 167 3 .16 642 6 4.65 129 6-7 8-10 24 .65 3 .22 543 2 4.62 43 8-10 11-15 17 1 .63 159 5 .50 388 7 4.39 159 11-15 16-24 3 1 .17 588 3 .42 126 3 1.86 161 16-24 1-24 212 6 4.20 143 34 1.93 5742 47 37.90 124 1-24 SYNOPSIS 135 TABLE XIII MORTALITY AMONG CERTAIN RACES COLORED MINISTERS, TEACHERS AND OTHER PROFESSIONAL MEN Ages at Entry 15-19 20-24 25-29 30-34 Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Years 1 9 .03 267 1 .88 781 4 2.73 1072 7 3.97 1 2 7 .03 175 .79 513 7 2.36 764 7 3.67 2 3 6 .03 145 2 .67 435 4 2.04 645 4 3.16 3 4 6 .03 119 1 .56 380 5 1.82 566 3 2.83 4 5 4 .02 95 .46 301 1 1.47 482 3 2.51 5 6 2 .01 76 1 .36 247 1.21 392 2.08 6 7 2 .01 63 .31 205 1.03 309 3 1.67 7 8 48 .24 160 3 .80 237 1 1.30 8 9 39 .19 126 1 .64 199 4 1.13 9 10 27 .13 90 3 .47 154 .91 10 11 25 .13 72 .38 123 1 .76 11 12 22 1 .11 66 .36 101 1 .67 12 13 18 .09 60 .33 88 1 .62 13 14 16 .08 56 .32 73 1 .55 14 15 15 .08 46 .27 64 .51 15 16 8 .04 32 .20 52 .44 16 17 7 .04 26 .17 41 1 .37 17 18 7 .04 20 .14 32 .31 18 19 7 .04 15 .11 25 .27 19 20 4 .02 9 .07 15 1 .17 20 21 1 .01 5 .04 4 .05 21 22 3 .03 2 .03 22 23 2 .02 2 .03 23 24 • • 1 .01 2 .03 24 1-5 32 .14 801 4 3.36 2410 21 10.42 3529 24 16.14 1-5 6-24 4 .02 383 2 1.91 1241 7 6.60 1915 14 11.90 6 24 Ages at Entry 35-39 40-44 45-49 50-53 Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Years 1 1026 10 4.21 696 3 3.27 397 5 2.54 157 1.43 1 2 726 6 3.78 449 3 2.87 259 2 2.28 108 2 1.35 2 3 627 1 3.39 379 3 2.62 226 3 2.15 97 2 1.34 3 4 532 2 3.03 315 4 2.36 194 5 2.02 76 2 1.14 4 5 443 1 2.61 256 3 2.05 148 5 1.67 59 1 .96 5 6 358 4 2.22 209 2 1.78 114 2 1.39 47 .82 6 7 280 2 1.85 162 2 1.47 92 2 1.21 31 .59 7 8 230 2 1.61 126 1 1.23 73 1 1.04 25 1 .52 8 9 184 1 1.38 98 3 1.04 57 3 .88 19 1 .43 9 10 156 2 1.25 76 .87 46 1 .77 16 .40 10 11 128 1 1.09 52 .65 35 2 .63 9 1 .24 11 12 106 1 .96 47 .63 27 2 .53 7 .21 12 13 85 1 .83 44 .64 22 .47 6 .20 13 14 67 1 .71 37 1 .58 16 2 .37 6 .22 14 15 58 .67 33 1 .56 13 1 .33 5 .20 15 16 44 1 .55 24 1 .44 10 1 .28 4 .18 16 17 36 .49 21 .42 6 2 .19 4 .19 17 18 25 1 .37 17 .37 4 .14 3 1 .16 18 19 17 .27 14 2 .34 3 .11 19 20 9 .15 11 1 .29 2 .08 20 21 6 .11 4 .12 1 .05 21 22 4 .08 3 .10 22 23 2 .04 2 .07 23 24 24 1-5 3354 20 17.02 2095 16 13.17 1224 20 10.66 497 7 6.22 1-5 6-24 1795 17 14.63 980 14 11.60 521 19 8.47 182 4 4.36 6-24 136 TABLE XIII (Concluded) MORTALITY AMONG CERTAIN RACES Ages at Entry 54-56 57-59 60-62 63 and over Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Years 1 55 .67 27 1 .43 11 .23 5 .15 1 2 43 1 .68 21 .43 7 .19 3 .13 2 3 33 .60 16 1 .38 5 .16 3 .16 3 4 28 1 .56 13 .34 3 .11 3 .17 4 5 21 1 .46 11 1 .32 3 .12 1 .05 5 6 17 1 .41 8 .26 3 .13 6 7 12 1 .32 6 .21 2 .09 7 8 10 .29 6 .23 2 1 .10 8 9 7 .22 4 .17 1 1 .06 9 10 6 .21 4 .19 10 11 4 .16 3 .15 11 12 4 .17 2 .11 12 13 4 .19 1 .06 13 14 4 .21 1 .07 14 15 4 2 .23 1 .07 15 16 1 .06 16 17 1 1 .07 17 18 18 19 19 20 20 21 21 22 22 23 23 24 24 1-5 180 3 2.97 88 3 1.90 29 .81 15 .66 1-5 6-24 74 5 2.54 36 1.52 8 2 .38 6-24 COLORED MINISTERS, TEACHERS AND OTHER PROFESSIONAL MEN Ages at Entry 15-29 30-39 40-49 Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Ratio % Exposed to Risk Actual Deaths Expected Deaths Ratio % Exposed to Risk Actual Deaths Expected Deaths Ratio % Insur- ance Years 1 1057 5 3.64 137 2098 17 8.18 208 1093 8 5.81 138 1 2 695 7 3.18 220 1490 13 7.45 174 708 5 5.15 97 2 3 586 6 2.74 219 1272 5 6.55 76 605 6 4.77 126 3 4 505 6 2.41 249 1098 5 5.86 85 509 9 4.38 205 4 5 400 1 1.95 51 925 4 5.12 78 404 8 3.72 215 5 1-5 3243 25 13.92 180 6883 44 33.16 133 3319 36 23.83 151 1-5 6 7 595 1 2.93 34 1339 9 7.82 115 577 8 5.85 137 6 7 8-10 490 7 2.47 283 1160 10 7.58 132 476 9 5.83 154 8-10 11-15 396 1 2.15 47 893 8 7.37 109 326 9 5.39 167 11-15 16-24 147 .98 318 4 3.76 106 122 7 3.00 233 16-24 1-24 4871 34 22.45 151 10593 75 59.69 126 4820 69 43.90 157 1-24 Ages at Entry 50-59 60 and over All Ages at Entry Insur- Exposed Actual Expected Ratio Exposed Actual Expected Ratio Exposed Actual Expected Ratio Insur- Years to Risk Deaths Deaths % to Risk Deaths Deaths % to Risk Deaths Deaths % Years 1 239 1 2.53 40 16 .38 4503 31 20.54 151 1 2 172 3 2.46 122 10 .32 3075 28 18.56 151 2 3 146 3 2.32 129 8 .32 2617 20 16.70 120 3 4 117 3 2.04 147 6 .28 2235 23 14.97 154 4 5 91 3 1.74 172 4 .17 1824 16 12.70 126 5 1-5 765 13 11.09 117 44 1.47 14254 118 83.47 141 1-5 6-7 121 2 2.61 77 5 .22 2637 20 19.43 103 6-7 8-10 97 2 2.66 75 3 2 .16 1250 2226 30 18.70 160 8-10 11-15 61 3 2.49 120 1676 21 17.40 121 11-15 16-24 13 2 .66 303 600 13 8.40 155 16-24 1-24 1057 22 19.51 113 52 2 1.85 108 21393 202 147.40 137 1-24 SYNOPSIS 137 TABLE XIV MORTALITY AMONG CERTAIN RACES COLORED MEN-EXCLUDING MINISTERS, TEACHERS AND OTHER PROFESSIONAL MEN Ages at Entry 15-19 20-24 25-29 30-34 Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Years 1 189 3 .59 1372 13 4.53 2504 15 8.76 3219 23 11.91 1 2 119 3 .51 804 3 3.62 1550 16 7.13 2095 11 10.06 2 3 88 .40 653 2 3.00 1274 6 5.99 1746 9 8.56 3 4 68 .31 507 2 2.38 1012 9 4.86 1446 18 7.23 4 5 56 .26 380 3 1.82 806 6 3.95 1157 10 6.02 5 6 39 1 .18 276 4 1.32 620 9 3.04 909 14 4.82 6 7 32 .15 214 2 1.05 471 3 2.36 715 5 3.86 7 8 21 1 .10 161 2 .79 378 6 1.89 578 5 3.18 8 9 15 .07 126 1 .62 305 1.56 464 3 2.64 9 10 7 .03 89 .44 255 3 1.33 386 3 2.28 10 11 5 .02 66 .33 199 1 1.05 325 3 2.02 11 12 4 .02 60 .30 167 .90 270 5 1.78 12 13 2 .01 49 1 .25 149 3 .82 217 1 1.52 13 14 1 .00 43 .22 126 1 .72 187 3 1.40 14 15 36 1 .19 111 1 .65 160 1 1.28 15 16 28 .15 90 1 .56 131 1.11 16 17 25 .14 75 .50 108 .98 17 18 16 .09 62 1 .43 92 1 .90 18 19 10 .06 46 .35 68 .72 19 20 7 .04 40 2 .32 51 .59 20 21 3 .02 24 1 .20 24 1 .30 21 22 1 .01 17 .15 17 .23 22 23 9 .09 13 .19 23 24 4 .04 5 .08 24 1-5 520 6 2.07 3716 23 15.35 7146 52 30.69 9663 71 43.78 1-5 6-24 126 2 .58 1210 11 6.02 3148 32 16.96 4720 45 29.88 6-24 Ages at Entry 35-39 40-44 45-49 50-53 Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Years 1 3453 13 14.16 2761 28 12.98 2104 15 13.47 1072 9 9.76 1 2 2246 15 11.68 1777 19 11.37 1363 15 11.99 667 6 8.34 2 3 1877 15 10.14 1520 18 10.49 1132 24 10.75 580 7 8.00 3 4 1575 23 8.98 1225 20 9.19 913 12 9.50 477 9 7.16 4 5 1232 6 7.27 938 5 7.50 699 11 7.90 376 9 6.13 5 6 976 14 6.05 720 8 6.12 521 2 6.36 252 4 4.41 6 7 740 9 4.88 532 7 4.84 387 8 5.11 177 7 3.36 7 8 567 4 3.97 422 5 4.14 297 7 4.25 133 2 2.74 8 9 460 4 3.45 338 6 3.58 223 3 3.43 109 4 2.45 9 10 353 4 2.82 272 10 3.13 184 9 3.07 85 6 2.10 10 11 273 2 2.32 223 7 2.79 145 3 2.62 61 3 1.66 11 12 239 7 2.17 181 2 2.44 118 3 2.31 48 2 1.44 12 13 201 4 1.97 157 3 2.29 93 1 1.99 36 3 1.19 13 14 168 4 1.78 139 4 2.20 78 1 1.83 32 4 1.17 14 15 138 4 1.59 113 4 1.93 68 2 1.75 24 2 .96 15 16 114 3 1.43 77 2 1.42 48 1 1.36 16 .71 16 17 92 5 1.24 60 1 1.21 35 2 1.09 13 .63 17 18 72 3 1.05 52 2 1.14 25 1 .86 12 1 .64 18 19 55 2 .87 39 .94 18 1 .68 11 .64 19 20 40 1 .68 32 .84 14 .58 8 .51 20 21 17 .31 16 .47 2 .09 4 2 .27 21 22 11 1 .22 10 .32 1 1 .05 1 .07 22 23 6 .13 7 .25 23 24 5 .12 2 .08 24 1-5 10383 72 52.23 8221 90 51.53 6211 77 53.61 3172 40 39.39 1-5 6-24 4527 71 37.05 3392 61 40.13 2257 45 37.43 1022 40 24.95 6-24 138 TABLE XIV (Concluded) MORTALITY AMONG CERTAIN RACES Ages at Entry 54-56 57-59 60-62 63 and over Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Exposed to Risk Actual Deaths Expected Deaths Insur- ance Years 1 371 3 4.53 175 1 2.80 63 1 1.29 13 .35 1 2 244 5 3.86 107 2.18 33 1 .91 10 .39 2 3 214 7 3.92 96 4 2.30 27 2 .87 10 .47 3 4 174 3.50 80 1 2.11 18 .64 5 2 .24 4 5 134 2 2.93 65 1 1.89 13 .51 2 .10 5 6 85 1 2.04 50 1.61 10 .43 2 .11 6 7 60 3 1.58 32 1.13 7 .33 2 1 .12 7 8 45 1 1.31 27 2 1.05 5 .26 1 .07 8 9 35 2 1.12 17 2 .73 4 .23 9 10 29 1 1.03 12 .57 3 .19 10 11 23 1 .90 11 .57 3 .20 11 12 17 1 .73 10 .57 2 .14 12 13 14 .66 7 .43 1 .08 13 14 12 .62 6 .40 14 15 10 .57 5 .36 15 16 9 2 .56 3 2 .23 16 17 7 .47 1 1 .08 17 18 6 2 .43 18 19 4 1 .31 19 20 3 1 .25 20 21 1 .09 21 22 22 23 23 24 24 1-5 1137 17 18.74 523 7 11.28 154 4 4.22 40 2 1.55 1-5 6-24 360 16 12.67 181 7 7.73 35 1.86 5 1 .30 6-24 COLORED MEN-EXCLUDING MINISTERS, TEACHERS AND OTHER PROFESSIONAL MEN Ages at Entry 15-29 30-39 40-49 Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Ratio % Exposed to Risk Actual Deaths Expected Deaths Ratio % Exposed to Risk Actual Deaths Expected Deaths Ratio % Insur- ance Years 1 4065 31 13.88 223 6672 36 26.07 138 4865 43 26.45 163 1 2 2473 22 11.26 195 4341 26 21.74 120 3140 34 23.36 146 2 3 2015 8 9.39 85 3623 24 18.70 128 2652 42 21.24 198 3 4 1587 11 7.55 146 3021 41 16.21 253 2138 32 18.69 171 4 5 1242 9 6.03 149 2389 16 13.29 120 1637 16 15.40 104 5 1-5 11382 81 48.11 168 20046 143 96.01 149 14432 167 105.14 159 1-5 6-7 1652 19 8.10 235 3340 42 19.61 214 2160 25 22.43 111 6-7 8-10 1357 13 6.83 190 2808 23 18.34 125 1736 40 21.60 185 8-10 11-15 1018 8 5.48 146 2178 34 17.83 191 1315 30 22.15 135 11-15 16-24 457 5 3.15 159 921 17 11.15 152 438 11 11.38 97 16-24 1-24 15866 126 71.67 176 29293 259 162.94 159 20081 273 182.70 149 1-24 Ages at Entry 50-59 60 and over All Ages at Entry Insur- ance Years Exposed to Risk Actual Deaths Expected Deaths Ratio % Exposed to Risk Actual Deaths Expected Deaths Ratio % Exposed to Risk Actual Deaths Expected Deaths Ratio % Insur- ance Years 1 1618 13 17.09 76 76 1 1.64 61 17296 124 85.13 146 1 2 1018 11 14.38 76 43 1 1.30 77 11015 94 72.04 13C 2 3 890 18 14.22 127 37 2 1.34 149 9217 94 64.89 145 3 4 731 10 12.77 78 23 2 .88 227 7500 96 56.10 171 4 5 575 12 10.95 110 15 .61 5858 53 46.28 115 5 1-5 4832 64 69.41 92 194 6 5.77 104 50886 461 324.44 142 1-5 6-7 656 15 14.13 106 21 1 .99 101 7829 102 65.26 156 6-7 8-10 492 20 13.10 153 13 .75 6406 96 60.62 158 8-10 11-15 316 16 12.23 131 6 .42 4833 88 58.11 151 11-15 16-24 99 12 5.89 204 1915 45 31.57 143 16-24 1-24 6395 127 114.76 111 234 7 7.93 88 71869 792 540.00 147 1-24 SYNOPSIS 139