systems was made in the decade from 1890 to 1900. The organizations with
two exceptions have not adopted the policy of the insurance companies in
varying the charge with the age of the insured. The device they have
commonly used is the differentiation in the amount of insurance which
may be taken in such a way that the older members may insure themselves
only for a smaller amount. As early as 1886 the Firemen provided that
only members under forty-five years of age might take insurance,[70] and
in 1887 the Telegraphers adopted an age limit of fifty years.[71] The
Conductors, under the constitution of 1890, provided that any member
between the ages of fifteen and fifty might take $2500 of insurance
against death or disability, and any member between the ages of fifty
and sixty might take $1000 against death and $500 against
disability.[72] In 1892 the Engineers introduced an age limit of fifty,
and in 1894 further differentiated applicants so that those under forty
years of age might secure $4500, those under forty-five years of age
might obtain $3000, and all over forty-five and under fifty years of
age, $1500.[73] Even now the Switchmen and the Trainmen offer equal
amounts to members of all ages at the same rate.

[Footnote 70: Constitution, 1886 (Terre Haute, n.d.), sec. 71.]

[Footnote 71: Constitution, 1887, Arts. 12-13, in the Railroad
Telegrapher, Vol. 2.]

[Footnote 72: Constitution, 1888, second edition (Rochester, 1890), p.
38.]

[Footnote 73: Constitution, 1894 (Peoria, 1895).]

The Maintenance-of-Way Employees and the Letter Carriers not only limit