The Brotherhood of Railroad Trainmen, the Order of Railroad Telegraphers, the Switchmen's Union, and the Maintenance-of-Way Employees did not pass through the first period of development, but were organized during the second stage when the amount of insurance was limited. The Trainmen, the Telegraphers, and the Switchmen, in their first constitutions of 1883, 1887 and 1886, respectively, and the Trackmen (Maintenance-of-Way Employees) in 1892 fixed the amount paid at the definite sums of $300, $1000, $500 and $1000, respectively.[67] The Letter Carriers, although organized after the railway unions had fixed at a definite sum the amount of insurance to be paid, for several years paid only a sum equivalent to one assessment, at the regular rates, upon all the certificates in force at the time of the death of the insured.[68] The amounts paid on the second death, March 22, 1892, and on the third death, July 28, 1893, were $599.16 and $596.12, respectively.[69] Finally, in the third period, from 1890 to the present, the number of assessments was also fixed. [Footnote 67: Constitutions for the several years. Reference is made to the Trackmen's Constitution, 1893 (n.p. n.d.); Proceedings of the Second Annual Convention, 1893, in Advance Advocate, Vol. 2.] [Footnote 68: The Postal Record, Vol. 5, p. 185.] [Footnote 69: _Ibid_., Vol. 5, p. 138.] Another important change in the method of conducting these insurance 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).]