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Published online by Cambridge University Press: 18 August 2016
Probably everyone who has been responsible in any way for the underwriting of life assurance has paused on some occasions to consider whether an extra premium which it is proposed to charge for personal or family history is really justifiable. It is comparatively easy to express this hesitancy as a problem that requires solution by asking whether the mortality among those persons having a certain family history or personal defect is heavier than that among other assured lives, and if so, to what extent. At present there is, however, little to help towards a direct solution and the amount of extra premium is based on an “educated guess.” It is, of course, only statistical evidence that can finally prove the necessity for an extra or justify its amount, but although insurance offices have been doing business and charging extra premiums for many years no complete attempt has been made to solve the problem.
page 110 note * For convenience of reference it may be mentioned that the Eugenics Laboratory Memoirs and Lectures, and the Studies in National Deterioration are published by Dulan & Co.
page 111 note * Probably an overestimate because certain schools to which both brothers went encouraged athletics and certain other schools did not.
page 112 note * See Eugenics Laboratory Lecture Series, VI, “Nature and Nurture”, by Karl Pearson, p. 26. More coefficients have been calculated since and these lead to the same conclusion.
page 113 note * See Studies in National Deterioration, No. II. Dulau, 1907.
page 113 note † See Studies in National Deterioration, No. III. Dulau, 1908.
page 119 note * The assumption would be made that the grade of the parent could he judged by the grade of the insured offspring.