Show I 1 AMERICANS TOO FAT FOR INSURANCE I I They Also Are Trying to toI I 1 Push Two Years of Living l' l Into One Say Experts i ByThe Bs Tte Telegrams Telegram's Special sews Newt erIc Iu I t NEW YORK Dec 23 Estimating that Americans are annually j j rejected rejected out of a total of examined ex- ex for life Ufe insurance E. E E. E BItten BItten- house of the Equitable Life LlIe Assurance society speaking at the opening se session ses- ses sion sion of the tenth annual annual conventIon con- con of the Association of ot Life Insurance InI Insurance In- In Presidents urged the need for I improving the physical preparedness of the people of the United States flitS HIt flit S said The composite physical American looks smooth pink and healthy lIe He Heis lIels is ls a good liver I said Is not has He hurries He has no time to waste The average age at death of the American people Is about 40 the medium medium medium me me- age 43 He is trying with the aid of ot new knowledge and Inventions to crowd experiences of two lifetimes into one He Is having some success but the strain Is telling on him 1 S His digestive organs have been given FO eo fo many new and arduous duties to which they were not trained that they are are showing signs of ot rebellion He lie is seriously overstraining his heart healt ar arteries arteries arteries ar- ar teries kidneys nerves and digestion as their rapidly increasing death rate shows He could detect and head off ort I these troubles I If he would go to his I doctor for tor an occasional examination I He He Is more than well rounded at the I belt belt and slightly so at the shoulders Under exertion he Is short winded due 1 to lack of exercise or a bad heart His i muscles are virtually all soft and andi i weak from lack of use He is de deI designed designed de- de I signed as an erect outdoor animal with feet and legs for fOl service but he lies I down down by night and sits down by day when ride j He never walks he can j I He scurries around at his work gets getsI I tired and nerve worm and thinks this I Sis is is ph physical exercise whereas his muscles must mus mus- mus- mus t f cles and joints have been virtually Idle i And And yet he looks smooth pink and healthy for the most of these signs of 1 I deterioration are not outwardly visible EVIL EFFECTS The evil effects of his physical in inactivity inactivity inactivity in- in activity have been greatly aggravated by his deadly excesses and errors in eating and drinking There Is no burden too great for him to put upon his digestive system With every pound he gains of excess fat his bis chances for a a. shortened life Increase lie lie He should hould not the insurance records which show that with those above age 40 AO h haying Ying fifteen to eighty pounds overweight the excess death rate 6 Crang 9 per cent to 75 per cent above the average of all policy holders ico ed S 5 President W W. A. A Day of the Equi- Equi 1 table L fe Assurance society sounded a I warring warning against the extraordinary I wastefulness of the American people W We e rejoice that our people may mayno mayno mayno no many of the good things of life that were denied denle them in years gone Kone OTle b by but this nation can not long wallow in luxuries and prodigality and endure Is it not a patriotic duty to jOin jojn so far as we consistently may in inan an effort to assist in checking this de- de tendency I believe the time Urns Sh fIs s come when we should Be De more asi as- as i in protecting life insurance in- in and that we should give greater tb ed to the factors public and private that hat tend to or injure these interests PATRONS PATRONS' PROSPERITY The prosperity of our patrons cs interests us for with l f o comes poverty and increases Ih ih in p policy borrowings and cash surrenders surrenders ders and the loss of Insurance tion Hion to numberless families Extravagance t t gance gance not Infrequently leads to excesses excesses ex- ex that result in ill health which i contributes to the ph physical deterioration i tion in the race The United States with less than thana a I fifteenth of the population of the earth i now has more life insurance in force than exists in all the rest of the world put together according to original statistics sta- sta presented by Alfred Hurrell associate as- as general solicitor of the Pru- Pru Insurance company who said f t In the ten years from 1905 to 19 1915 the Insurance In force in American companies increased Just short of ot ten of ot dollars The increase now nowa is B a at the rate of over a billion of InS in insurance insurance in- in S a year The per capita insurance In force at the end of 1905 in this country was at the end of the last year It was In Tn 1905 in England it was waa and at the end of 1913 it was t Germanys Germany's per capital In Jn 1905 was 43 Il In 1914 it was 60 France only in increased increased in- in r creased d its per capita from 19 InS in S 1906 to 31 in 1912 Italy had 6 In 1903 I and by 1914 this had Increased to but 7 7 per person So it Is Js seen that t. t compared with the oth other oth r principal nations na- na not only is our per capita much Higher 1 but it had a steady annual In- In f crease over those countries in the t j years years preceding the outbreak of the iwar var |