Life Insurance.—There were forty-six companies in 1900 for the insurance of life. The number of persons insured was 1,446,249 at the end of that year, the insurances amounting to roughly £320,000,000. Besides these are sixty-one companies—of which forty-six are comprised in the above life insurance companies—paying subsidies in case of death or of military service, endowments, &c. Some of these companies are industrial. The transactions of all these companies included in 1900 over 4,179,000 persons, and the amount of insurances effected was £80,000,000.

Religion.—So far as the empire as a whole is concerned there is no state religion, each state being left free to maintain its own establishment. Thus while the emperor, as king of Prussia, is summus episcopus of the Prussian Evangelical Church, as emperor he enjoys no such ecclesiastical headship. In the several states the relations of church and state differ fundamentally according as these states are Protestant or Catholic. In the latter these relations are regulated either by concordats between the governments and the Holy See, or by bulls of circumscription issued by the pope after negotiation. The effects of concordats and bulls alike are tempered by the exercise by the civil power of certain traditional reserved rights, e.g. the placetum regium, recursus ab abusu, nominatio regia, and that of vetoing the nomination of personae minus gratae. In the Protestant states the ecclesiastical authority remains purely territorial, and the sovereign remains effective head of the established church. During the 19th century, however, a large measure of ecclesiastical self-government (by means of general synods, &c.) was introduced, pari passu with the growth of constitutional government in the state; and in effect, though the theoretical supremacy of the sovereign survives in the church as in the state, he cannot exercise it save through the general synod, which is the state parliament for ecclesiastical purposes. Where a sovereign rules over a state containing a large proportion of both Catholics and Protestants, which is usually the case, both systems coexist. Thus in Prussia the relations of the Roman Catholic community to the Protestant state are regulated by arrangement between the Prussian government and Rome; while in Bavaria the king, though a Catholic, is legally summus episcopus of the Evangelical Church.

According to the religious census of 1900 there were in the German empire 35,231,104 Evangelical Protestants, 20,327,913 Roman Catholics, 6472 Greek Orthodox, 203,678 Christians belonging to other confessions, 586,948 Jews, 11,597 members of other sects and 5938 unclassified. The Christians belonging to other confessions include Moravian Brethren, Mennonites, Baptists, Methodists and Quakers, German Catholics, Old Catholics, &c. The table on following page shows the distribution of the population according to religious beliefs as furnished by the census of 1900.

Almost two-thirds of the population belong to the Evangelical Church, and rather more than a third to the Church of Rome; the actual figures (based on the census of 1900) being (%) Evangelical Protestants, 62.5; Roman Catholics, 36.1; Dissenters and others, .043, and Jews, 1.0. The Protestants have not increased proportionately in number since 1890, while the Roman Catholics show a small relative increase. Three states in Germany have a decidedly predominant Roman Catholic population, viz. Alsace-Lorraine, Bavaria and Baden; and in four states the Protestant element prevails, but with from 24 to 34% of Roman Catholics; viz. Prussia, Württemberg, Hesse and Oldenburg. In Saxony and the eighteen minor states the number of Roman Catholics is only from 0.3 to 3.3% of the population.

States.Evangelicals.Catholics.Other
Christians.		Jews.
Prussia21,817,57712,113,670139,127392,322
Bavaria1,749,2064,363,1787,60754,928
Saxony3,972,063198,26519,10312,416
Württemberg1,497,299650,3929,42611,916
Baden704,0581,131,6395,56326,132
Hesse746,201341,5707,36824,486
Mecklenburg-Schwerin597,2688,1824871,763
Saxe-Weimar347,14414,1583611,188
Mecklenburg-Strelitz100,5681,61262331
Oldenburg309,51086,9201,3341,359
Brunswick436,97624,1751,2711,824
Saxe-Meiningen244,8104,1703951,351
Saxe-Altenburg189,8854,72320699
Saxe-Coburg-Gotha225,0743,330515608
Anhalt301,95311,6997941,605
Schwarzburg-Sondershausen79,5931,11027166
Schwarzburg-Rudolstadt92,2986763748
Waldeck55,2851,831164637
Reuss-Greiz66,8601,04344448
Reuss-Schleiz135,9582,579466178
Schaumburg-Lippe41,908785177257
Lippe132,7085,157205879
Lübeck93,6712,190213670
Bremen208,81513,5068761,409
Hamburg712,33830,9033,14917,949
Alsace-Lorraine372,0781,310,4504,30132,379
Total35,231,10420,327,913203,678586,948

From the above table little can be inferred as to the geographical distribution of the two chief confessions. On this point it must be borne in mind that the population of the larger towns, on account of the greater mobility of the population since the introduction of railways and the abolition of restrictions upon free settlement, has become more mixed—Berlin, Leipzig, Hamburg, &c., showing proportionally more Roman Catholics, and Cologne, Frankfort-on-Main, Munich more Protestants than formerly. Otherwise the geographical limits of the confessions have been but little altered since the Thirty Years’ War. In the mixed territories those places which formerly belonged to Roman Catholic princes are Roman Catholic still, and vice versa. Hence a religious map of South Germany looks like an historical map of the 17th century. The number of localities where the two confessions exist side by side is small. Generally speaking, South Germany is predominantly Roman Catholic. Some districts along the Danube (province of Bavaria, Upper Palatinate, Swabia), southern Württemberg and Baden, and in Alsace-Lorraine are entirely so. These territories are bordered by a broad stretch of country on the north, where Protestantism has maintained its hold since the time of the Reformation, including Bayreuth or eastern upper Franconia, middle Franconia, the northern half of Württemberg and Baden, with Hesse and the Palatinate. Here the average proportion of Protestants to Roman Catholics is two to one. The basin of the Main is again Roman Catholic from Bamberg to Aschaffenburg (western upper Franconia and lower Franconia). In Prussia the western and south-eastern provinces are mostly Roman Catholic, especially the Rhine province, together with the government districts of Münster and Arnsberg. The territories of the former principality of Cleves and of the countship of Mark (comprising very nearly the basin of the Ruhr), which went to Brandenburg in 1609, must, however, be excepted. North of Münster, Roman Catholicism is still prevalent in the territory of the former bishopric of Osnabrück. In the east, East Prussia (Ermeland excepted) is purely Protestant. Roman Catholicism was predominant a hundred years ago in all the frontier provinces acquired by Prussia in the days of Frederick the Great, but since then the German immigrants have widely propagated the Protestant faith in these districts. A prevailingly Roman Catholic population is still found in the district of Oppeln and the countship of Glatz, in the province of Posen, in the Polish-speaking Kreise of West Prussia, and in Ermeland (East Prussia). In all the remaining territory the Roman Catholic creed is professed only in the Eichsfeld on the southern border of the province of Hanover and around Hildesheim.

The adherents of Protestantism are divided by their confessions into Reformed and Lutheran. To unite these the “church union” has been introduced in several Protestant states, as for example in Prussia and Nassau in 1817, in the Palatinate Protestant Church. in 1818 and in Baden in 1822. Since 1817 the distinction has accordingly been ignored in Prussia, and Christians are there enumerated only as Evangelical or Roman Catholic. The union, however, has not remained wholly unopposed—a section of the more rigid Lutherans who separated themselves from the state church being now known as Old Lutherans. In 1866 Prussia annexed Hanover and Schleswig-Holstein, where the Protestants were Lutherans, and Hesse, where the Reformed Church had the preponderance. The inhabitants of these countries opposed the introduction of the union, but could not prevent their being subordinated to the Prussian Oberkirchenrat (high church-council), the supreme court of the state church. A synodal constitution for the Evangelical State Church was introduced in Prussia in 1875. The Oberkirchenrat retains the right of supreme management. The ecclesiastical affairs of the separate provinces are directed by consistorial boards. The parishes (Pfarreien) are grouped into dioceses (Sprengel), presided over by superintendents, who are subordinate to the superintendent-general of the province. Prussia has sixteen superintendents-general. The ecclesiastical administration is similarly regulated in the other countries of the Protestant creed. Regarding the number of churches and chapels Germany has no exact statistics.

There are five archbishoprics within the German empire: Gnesen-Posen, Cologne, Freiburg (Baden), Munich-Freising and Bamberg. The twenty bishoprics are: Breslau (where the bishop has the title of “prince-bishop”), Ermeland (seat at Frauenburg, East Prussia), Kulm (seat at Pelplin, West Prussia), Fulda, Roman Catholic Church. Hildesheim, Osnabrück, Paderborn, Münster, Limburg, Trier, Metz, Strassburg, Spires, Würzburg, Regensburg, Passau, Eichstätt, Augsburg, Rottenburg (Württemberg) and Mainz. Apostolic vicariates exist in Dresden (for Saxony), and others for Anhalt and the northern missions.

The Old Catholics (q.v.), who seceded from the Roman Church in consequence of the definition of the dogma of papal infallibility, number roughly 50,000, with 54 clergy.

It is in the towns that the Jewish element is chiefly to be found. They belong principally to the mercantile class, and are to a very large extent dealers in money. Their wealth has grown to an extraordinary degree. They are increasingly numerous Jews. in Hamburg, Berlin, Frankfort-on-Main, Breslau, Königsberg, Posen, Cologne, Nuremberg and Fürth. As a rule their numbers are proportionately greater in Prussia than elsewhere within the empire. But, since 1871, the Jewish population of Germany shows a far smaller increase than that of the Christian confessions, and even in the parts of the country where the Jewish population is densest it has shown a tendency to diminish. It is relatively greatest in the province of Posen, where the numbers have fallen from 61,982 (39.1 per thousand) in 1871 to 35,327 (18.7 per thousand) in 1900. The explanation is twofold—the extraordinary increase (1) in their numbers in Berlin and the province of Brandenburg, and (2) in the number of conversions to the Christian faith. In this last regard it may be remarked that the impulse is less from religious conviction than from a desire to associate on more equal terms with their neighbours. Though still, in fact at least, if not by law, excluded from many public offices, especially from commands in the army, they nevertheless are very powerful in Germany, the press being for the most part in their hands, and they furnish in many cities fully one-half of the lawyers and the members of the corporation. It should be mentioned, as a curious fact, that the numbers of the Jewish persuasion in the kingdom of Saxony increased from 3358 (1.3 per thousand) in 1871 to 12,416 (3 per thousand) in 1900.