EXPECTATION OF LIFE IN TROPICAL NATIVES 



proposers — viz., the Western European, the Southern European, 

 the Eastern, and the Egyptian. 



In^general, he considers the first class to be a good risk on the same 

 ternis as in Europe, but with regard to the second he considers that 

 they should be examined in their own homes, and each case should 

 be judged on its own merits, and the third class is intermediate in 

 risk between the second and fourth. 



The native Egyptian appears to be a great difficulty, owing to 

 the paucity and unreliability of the family history, while sexual 

 excess and cigarette-smoking are considered to balance the lack 

 of alcoholic excess. Rheumatic fever, tuberculosis, and syphilis 

 are rife, and he is liable to many tropical diseases, including ankylo- 

 stomiasis, pellagra, splenomegaly, relapsing fever, typhus fever, 

 and the schistosomiases, so that he is not a good risk until education 

 and sanitation improve matters; but Day says a proposer then in 

 good health, and whose children are successfully reared and whose 

 education has been sound, may be accepted for a whole life on 

 European terms, but this was contested during the discussion on 

 his paper. 



The common sense of the whole matter is that there is an increased 

 risk on the life of the European living in the tropics, and that it is 

 most marked during the earlier years of his residence; there is a 

 considerable risk in insuring native men, and that this is greatly 

 increased when considering native women. 



EXPECTATION OF LIFE IN TROPICAL NATIVES. 



The expectation of life in India compared with the same for 

 England may be gathered from the following table obtained from 

 Hardy via McCay's book: — 



Age. 



India. 



England. 



Males. 



Females. 



Males. 



Females. 



o 



24-6 



25-5 



'43'7 



47*2 



5 



37*1 



36-1 



5^-7 



54*9 



lO 



35-5 



34*4 



49-0 



5I-I 



15 



32-3 



31*7 



44*5 



46-5 



20 



29*2 



29-3 



40-3 



42-4 



25 



26-3 



27*0 



36-3 1 



38-5 



35 



2I»I 



22*4 



28-9 ! 



31*2 



45 



16.5 



17-9 



22*1 1 



24*0 



55 



12*2 



13-2 



15*7 



17*2 



65 



8-2 



8.7 i 



iO'3 



II-3 



The figures speak for themselves, but they were compiled years 

 ago, and it is possible that more modem tables might show a better 

 expectation of life. 



