SYSTEMIC EFFECTS 307 



nized by life assurance companies that a number of them will 

 not issue policies, even on the lives of the richest brewers, upon 

 any terms, and not one of the companies, to my knowledge, 

 admits liquor dealers upon as advantageous conditions as those 

 engaged in other ordinary occupations. 



As an example of the restrictions in this respect, I would 

 quote the rules as given in a circular sent to the agency force 

 of a prominent United States company. This circular reads 

 almost like a temperance document, and yet it is simply sent 

 out as a matter of business, because statistics show that owing 

 to what might be called the very atmosphere by which liquor 

 dealers are surrounded, the mortality among them is higher 

 than among those engaged in occupations which do not involve 

 the handling of alcoholic beverages. This circular reads as 

 follows : 



"The number of applications received from persons engaged 

 in the sale or manufacture of liquor has increased so rapidly 

 that we find it necessary to call the attention to the rule on 

 page 345 of the 'Blue Book' regarding this class of business, in 

 order that unnecessary declinations may be avoided. This rule 

 is as follows : 



Bartenders Not Taken. 



Saloon keepers, generally, not 

 taken, but best of this class may 

 be accepted on 10 or 15 Year En- 

 dowments only. 



Commercial Travelers (Salesmen) $5 per thousand extra. 



Brewers (unless seldom at their 

 breweries) $5 per thousand extra. 



Employees in breweries $5 per thousand extra. 



Wholesale dealers, if apparently 

 unaffected by their business Free. 



Restaurant keepers and waiters 

 selling liquor $5 per thousand extra. 



(In this whole class the habits, past and present, and ap- 

 pearance will be carefully considered.) 



