Abstract
Since 1827, when Dr. Richard Bright observed albuminuria, and correlated its occurrence with renal disease, clinical medicine and the life insurance industry have been relying on tests for albumin to assess renal disease. At the second annual meeting of the Association of Life Insurance Medical Directors of America in 1891, the paper presented was entitled Albuminuria in Persons Apparently Healthy, and a Consideration of Its Relation to Life Insurance. The paper described the Heller’s nitric acid test for albumin. The author concluded that persons who had albuminuria are not good risks, and do not have normal life expectancy.
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