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Download Annals of Life Insurance Medicine: Volume 4 by H. W. Kreis (auth.) PDF

By H. W. Kreis (auth.)

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B) In the first two years of the totals line the mortality ratio of 149010 lies above the average value of 102010 for all years together; as with previous tables with this phenomenon the deviation is not statistically significant. c) The hypothesis of a constant mortality ratio as from the third year is valid in the totals line. 9. Impairment group 'Diseases of the digestive system' This main group covers codes 800-896. More than half of the risks belonging to the group fall within the sub-groups 'Diseases of stomam and duodenum' and 'Diseases of the liver'.

Our results seem to indicate that the extra mortality is not primarily a function of the year of observation but rather of the attained age. It was not and could not be the aim of our study to deal comprehensively and conclusively with the problem of the constant multiplicative increase in mortality for the assessment of substandard risks. We hope, however, that our efforts, which were in the main restricted to the gathering and interpretation of experience data, will give rise to further discussion on the subject of substandard risks.

7 Pers. od -c :; -c I': General impairments Impairment groups Table XXVII. 0 (18) Pers. j>o. The multiple table hypothesis as a basis for the underwriting of substandard risks 35 The reasons for the substantial differences between the distributions for standard and substandard risks are to be found to a large extent in the causal relationship which exists in the case of the latter between the risk features at inception of the assurance and the subsequent causes of death. Unfortunately the correlation is not completely clear from the data included in the table.

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