File:The life insurance examiner. A practical treatise upon medical examinations for life insurance (1888) (14763876355).jpg

Identifier: 39002011213940.med.yale.edu
Title: The life insurance examiner. A practical treatise upon medical examinations for life insurance
Year: 1888 (1880s)
Authors: Stillman, Charles Frederick
Subjects: Insurance, Life
Publisher: New York, Spectator Co.
Contributing Library: Yale University, Cushing/Whitney Medical Library
Digitizing Sponsor: Open Knowledge Commons and Yale University, Cushing/Whitney Medical Library

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umen orsugar are present in very small quantity, it will be well to collect the totalsecretion of twenty-four hours and examine a sample of this mixed urine. The microscope should always be used when, in a case otherwiseacceptable, there is a suspicion of disease requiring its aid for certainty, aswhere there is a history of calculus or cystitis. Medical Adviser. 1. If information as to the present or past condition of the applicantbe deemed necessary, it is desired that the Examiner procure it from theapplicants attending physician in a professional way, with the understand-ing that it will be treated as confidential by the company. Such informa-tion should be paid for by the Examiner as a regular office fee, and the * Note.—Urine containing resinous matters, as when a patient is taking turpentine, balsamcopaiva, etc., will sometimes give a whitish-yellow cloudiness, similar to albumen, with nitric andhydrochloric acids. The addition of alcohol will cause this to disappear at once.
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The Life Insurance Examiner. 19 amount thus paid communicated in a private letter to the medical officers,who will cause it to be refunded. Confidential. 1. If, for any reason, the Examiner does not wish to present in theapplication certain specific facts disclosed by the examination, he mustwrite a confidential letter to the Medical Department at the home office,detailing such information. In this way nothing of importance affectingthe risk need be withheld from the home office. 2. If so requested by the candidate, for the purpose of holding privatehis medical history, you are authorized to deliver to the agent your reportsealed. 3. In the event of your giving an adverse opinion upon a risk, or ofyour declining to examine a candidate because of foreknowledge of his in-eligibility, you are particularly requested to communicate the fact con-fidentially, stating name, residence and occupation of the objectionablecandidate, date of your unfavorable action and reason for the same. Postpon

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