When the peripheral arteries are palpable they are not always sclerosed. The radial artery, the one usually palpated, may lie very close to the bone in a thin person. Under these conditions the artery can be easily felt. It is better then to palpate for the brachial as it lies beneath the inner edge of the biceps muscle. Should this artery be felt then very probably sclerosis is present. Opinion as to whether or not sclerosis is present, when it is slight, may differ. It is difficult at times to say definitely. Should such be the case the applicant should be most carefully questioned as to his family and past history, the heart should be carefully outlined by percussion and the blood pressure should be taken, both the systolic and diastolic pressures. The urine should be examined with particular care. I am aware that the average examination for life insurance is not made with the care which is bestowed upon a patient. Yet I see no reason why the same attention to detail should not be given in one as in the other. The examination of the great majority of applicants can he made in a short time, as there is no question of latent chronic disease. When the exception turns up he should be given a searching examination and a full report should be sent to the Medical Director. Only in this way will it be possible to weed out the undesirable risks. On the surface it does not seem to require any great diagnostic acumen to be a life insurance examiner. In the old days of many of the companies there were no examiners. The applicant was brought before the president or other appointed official and he was passed or rejected on his general appearance. This has changed, and now the medical department with its scores of examiners in the field is a well organized department. It seems to me that the examiner should be an exceedingly able diagnostician and prognosticator. There is no telling when he may be called upon to pass judgment on a borderline case. From personal experience I know how difficult it is to make a decision in some cases. These suspicious cases after a careful examination had better be passed by the examiner and a supplementary report sent to the medical director containing unbiased details. But no applicant with readily palpable arteries, even though the blood pressure be normal, should be considered a first class insurance risk.