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Some Observations on the Causes of Death in Life Assurance Claims

Published online by Cambridge University Press:  07 November 2014

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Synopsis

The paper is based on the analysis of the causes of death in 10,000 claims which occurred in the quinquennium 1943-1947 in six life offices, three Scottish and three English.

These claims are subdivided into two classes of lives, those who reached and those who failed to reach their expectation.

The causes of death are arranged in most cases as in the Registrar-General's annual review of England and Wales, and are tabulated in age groups.

The increased incidence of some diseases and the decline or disappearance of others are touched upon, whilst special reference is made to the heavy toll exacted by cardio-vascular disease and by cancer.

Deaths due directly to the War, both civilian and in the Services, are included in the total number of claims but are omitted from statistical calculations. This applies also to all deaths of female policyholders. A brief reference is made to the relative mortality from certain diseases in those lives who reached their expectations and those who failed to reach it. It is suggested that greater leniency might be extended in certain types of disorders for which proposers are usually rated up, since deaths from such ailments seldom occur.

Type
Research Article
Copyright
Copyright © Institute and Faculty of Actuaries 1950

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