================================================================= | TOTAL | PER CENT | AVERAGE NATIVITY OR RACE OF HEAD OF | NUMBER OF | WITH LIFE | AMOUNT FAMILY | FAMILIES | INSURANCE | OF POLICY -----------------------------|-----------|-----------|----------- All families | 3,048 | 81.9 | $419.24 | | | United States, colored | 274 | 93.8 | 201.48 Bohemian | 243 | 88.9 | 577.58 Polish | 522 | 88.5 | 353.48 Irish | 129 | 88.4 | 510.72 United States, white | 644 | 85.2 | 535.56 German | 240 | 85.0 | 416.49 Lithuanian | 117 | 79.5 | 170.38 Scandinavian | 232 | 75.4 | 401.58 Other | 225 | 75.1 | 410.96 Jewish | 218 | 63.8 | 465.09 Italian | 204 | 57.8 | 403.94 ================================================================= It is interesting to note that the Bohemians are among the national groups showing the largest per cent (88.9) of families having life-insurance policies. They also show the largest average policy ($577.58) of any national groups, including the native-born white. The method by which this particular provision is made is often through the fraternal order, the benefit society, and the form of commercial insurance known as industrial insurance. The fraternal orders that are used by foreign-born groups are usually societies of their own national group, such as the Polish National Alliance, the Croatian League of Illinois, the Lithuanian National Alliance. They differ from the benefit societies, such as the Czecho-Slav Workingman, the Znanie Russian Club, and the Congrega di Maria Virgine del Monte Carmelo, in that the fraternal orders are organized under the state laws governing fraternal insurance societies, are incorporated, and usually have a more than local membership. Most of the benefit societies are small local societies without national affiliation, often not observing good insurance principles and without the needed succession of young lives.