154 REPORT—1850. 
Tasie IV. 
Period elapsed from the date of Assuring, till Death, of those dying among the 
; Assured, during the Years 1839-49. 
Duration of Life . : Duration of Life 
to each Person. Duration of Life. to each Person. 
Years. |Months.| Years. |Months.| Years. |Months.} Years. {Months. 
26 6 26 oe 
Age. No. | Duration of Life. 
15—19 4 is toi | 6 
es—29 | ies }aoes| 7 | 7 | 8} 126) δ}. 6] 6 
| δι ἐπ ον ὁ Silael α ἢ 
ἀπ δὲ ἘΝ Ef ob | illo] ὁ} Ὁ] Ὁ 
ἘΠΕ 
= eee 
~~ ‘Total | 2471 (22,778 9 | 9 ie ira 
In which it will be seen, contrary to what would generally be expected, that the 
period which has elapsed from the date of the policies to the date of death is less at 
the younger than the older ages; so that, if such a law were found generally to pre- 
vail, it would follow that a Life Office would find the deaths taking place among the 
younger lives more immediate than among the older class of lives. Whether this 
unexpected and apparently anomalous result may arise from the fact that, at the earlier 
ages, the deaths take place from acute and rapidly-fatal diseases, and at the advanced 
periods of life they happen from chronic and lingering causes, is not clearly borne 
out by the present body of facts; but that such is very probably the case, will appear 
from a consideration of the following figures, derived some time ago from the expe- 
rience of friendly societies in Scotland, from which very accurate and interesting 
returns were received and carefully analysed ; from which it appeared that at the term 
of life 31-35, there is 116 weeks’ sickness to each death, and the rate goes on in- 
deni to the period 76-80, in which the amount of sickness is 319 weeks to each 
eath, 
The following condensed abstract will assist in giving a general view of the results 
thus arrived at :— 
Ages. Ending in | Not ending in Death, | Immediately | Among those Dying, including 
final but among those preceding the attacks Immediately ~ 
recovery: afterwards dying. Death. preceding Death, and others. 
11—35 4°372 11:442 14:907 10.830 
36—50 5.191 7.228 127006 9°276 
51—60 11-717 eee fay fF 34°851 18°789 
60 andupwards} 45:034 7.178 16°226 11°372 
8:636 7°788 45:173 23°932 
It is hence obvious, that having regard to the ages of persons, the duration of any 
attack of sickness is a most important consideration in calculating the chances of 
recovery. If another element, the frequency of a series of attacks of sickness, were 
introduced (but the details it would here be out of place to discuss), the value or the 
duration of life of inyalids might be calculated with even more precision than the 
expectation of life of the general community; and if the analysis were carried one 
step further, and the same classification adopted as in the preceding abstracts, only 
keeping the sickness peculiar to each disease by itself, a series of results would be 
arrived at, furnishing elements of the greatest value in the estimation of the value of 
life among persons who have suffered or are suffering from disease. Notwithstanding 
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