Clerical Medical

In 1824, Dr George Pinckard formed a committee of physicians and members of the clergy which published a pamphlet called 'Prospectus for the Establishment of a new Assurance Office with Improved Arrangements'. On 18 June 1824, the Medical, Clerical and General Life Assurance Society was formed. Pinckard was appointed as Chairman, the Marquis of Huntly as President, and Pinckard's brother Joseph as Resident Secretary and Actuary. A board of directors, which included eight eminent physicians was also appointed. The company's first policy was issued to Richard Pinckard, a nephew of Dr George Pinckard. In 2015, Lloyds Banking Group sold Clerical Medical International (CMI) to offshore life assurance company RL360°. == Illness and premium ==

In the early 19th century, the following illnesses, lifestyles, injuries, and description of such conditions were recorded and raised the premium for prospective applicants to Clerical Medical, by which the company made profit when clients lived longer than expected. • "Consumption" (pulmonary tuberculosis) • Dropsy (oedema) • "spitting of blood" "vomiting of blood" (lung cancer, pneumonia, tuberculosis) • "indigestion" "Bilious attacks with spasms" (ulcers, cancer) • Gout • Apoplexy "Paralysis and Determination of Blood to the Head" • Intemperance "drinking ale to excess" "Takes Laudanum" • "Corpulency" "Fast and short necked" "Lusty and lives rather freely" • Rupture • Amputations • Physical injury "an account of His Grace (Duke of Richmond) to have a Musket Ball lodged in his person from a wound which he received at the Battle of Orthez, and his having, about six or seven years since, been affected with a spitting of blood after being thrown from his Horse when hunting" ==References==