We have referred to a number of improvements in life insurance examination work that ought to be secured. The attempt of an agent to use an examiner in trying to coerce an individual to make application for insurance is another abuse which is detrimental to the reputation of both company and agent; it is resented by the applicant and often subjects the examiner to insults. The examiner should never be asked to make an examination until the application has been made. When he is sent to call for an examination where the individual has made no agreement or appointment, the agent should be required to pay the usual fee, and for repeated offenses of this kind should be disciplined by the proper officials of the company. It saves time and annoyance to both the examiner and the applicant for the physician to make his own appointment by telephone or otherwise.