Abstract
A paper read before the Life Insurance Medical Directors' Association of America in which Dr Fisk re-examines, with the help of additional information, some conclusions expressed by Mr T. B. Macaulay in 1893, and comes to the conclusion that there is little adverse selection under 25, but that the group over 60 is hypersensitive. It seems to us that this last conclusion is a natural consequence of an increasing value of the rate of mortality combined with paucity of data, and we also do not feel satisfied that Dr Fisk has done well in choosing the 0 (or with-profit policies) in preference to the ONv (or without-profit policies) for his investigation as regards English experience. W. P. E.
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