GOVERNMENT INSURANCE DEPARTMENT.

Appendix to the Journals of the House of Representatives, 1909 Session II, H-08d

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1909. NEW ZEALAND.

GOVERNMENT INSURANCE DEPARTMENT.

STATEMENTS IN CONNECTION WITH THE VALUATION OP LIABILITIES (FOURTH AND FIFTH SCHEDULES) FOR THE TEIENNIUM 'ENDING 31st DECEMBEK, 1908.

Presented to both Houses of the General Assembly pursuant to Section 38 of " The Government Life Insurance Act, 1908."

WELLINGTON. 1909.

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REPORT BY THE ACTUARY respecting the VALUATION OF THE LIABILITIES UNDBE LIFE POLICIES AND ANNUITIES OF THE NEW ZEALAND dmimmwnt jjtprtmeni, In terms of Section 36 of " The Government Life Insurance Act, 1908." (See Fourth Schedule.) I. The date up to which the valuation was made was the 31st December, 1908. 11. The principles upon which the valuation and distribution of profits were made were as follows :— (1.) Principles of Valuation. —The valuation has been made upon a strictly "net premium " basis ; in other words, no credit whatever has been taken for any extra premiums or loadings, the net premiums alone having been valued for inclusion among the assets. The liability has been ascertained by taking the difference between the present value of the sums assured (including reversionary bonuses) and the present value of the net premiums (derived from the Institute of Actuaries H M Table with '6k per cent, interest). Where the original premiums have been reduced by the application of amounts received in consideration of the surrender of bonuses or former policies the present values of such reductions have been added to the liability. In all cases where an extra premium was payable the policy has been valued at the true age, and a full proportion has been reserved for the unexpired risk for which the extra premium had been paid. Adequate extra reserves have been made for limited-premium policies and the immediate payment of claims in the case of whole-life assurances, and allowance has been made for the actual incidence of the premium income. Reserves have been made for Deferred Annuities equivalent to the premiums paid accumulated at 4 per cent. Endowments have been valued as sums certain payable at the end of their respective terms, and mortality has only been taken into con-

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FOURTH SCHEDULE. sideration where the premiums are payable during the joint lives of the child and purchaser, 3i per cent, compound interest being used ; the surrender value has been taken as the minimum reserve. Annuities have been valued by the English Government Annuitants Mortality Experience (1883), using 3i per cent, interest for those issued prior to the 20th May, 1896, and 3 per cent, interest for those issued subsequently. In the case of annuity-assurances the value at age 60 of the annuity has been computed by the 1883 English Annuitants Experience and treated as an endowment payable at age 60, which has then been valued, in combination with the insurance portion of the contract, by the Institute H M Table, with 34 per cent, interest. The valuation has been made in duplicate, and the policies valued in groups where practicable. (i 2.) Principles of Distribution of Surplus. —The divisible surplus is distributed among the policyholders entitled to participate as a uniform reversionary bonus per cent, on sums assured and existing bonuses, for each premium paid since the last division; and an interim bonus is also paid, at the same rate, in respect of those policies which may be surrendered or become claims before the next distribution of surplus. The approximate profit from favourable mortality in the General Section and the Temperance Section respectively has been ascertained and specially divided among the members of the respective sections. The result is that temperance policies will, on this occasion, receive reversionary bonuses at a slightly higher rate than general policies which are like them in all other respects. The divisible surplus has been converted into reversionary bonuses by means of the H" Table of Mortality with per cent, interest, the reversion for a continuous assurance having been used for whole-life policies. 111. The Tables of Mortality used in the Valuation were, — (1.) For Assurances, the Institute of Actuaries H* (Healthy Males) Table ; (2.) For Annuities, Finlaison's 1883 Government Annuitants Tables. IV. The rate of interest assumed in the valuation was 3h per cent., except in the special cases mentioned in paragraph II (1), where a higher reserve was considered necessary. V. The whole of the loading, or the difference between the premiums payable to the office and the net premiums, amounting to £51,383 per annum and valued at £632,520, has been reserved for future expenses and profits ; and in the case of limited-premium and paid-up policies, where the loading as well as the risk-premium is payable for a limited period only, a further reserve of .€8,446 has been made to provide for expenses and profits when the premiums shall have ceased. VI. The Consolidated Revenue Account for the three years that have elapsed since the last valuation is given on page 5.

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FOURTH SCHEDULE.

CONSOLIDATED REVENUE ACCOUNT OF THE GOVERNMENT INSURANCE DEPARTMENT, For the Period commencing 1st January, 1906, and ending 31st December, 1908.

VALUATION BALANCE-SHEET OF THE GOVERNMENT INSURANCE DEPARTMENT. As at 31st December, 1908.

Amount of Funds on ist January, 1906 Renewal Premiums New Premiums Single Premiums Consideration for Annuities granted Interest Fees £ s. d. £ s. d. £ s. d. 3,822,576 15 7 Death Claims under Policies, 905,697 16 6 Assurances, including Bonus 66,160 7 2 Additions .. .. 392,338 2 4 4,625 13 7 , Endowment Assurances ma38,705 8 3 tured, including Bonus Ad552,998 18 7 : ditions .. .. .. 266,488 12 9 36 o 11 Endowments matured 7,499 II 6 Premiums returned on Endowments .. .. .. 119 11 3 Bonuses surrendered for Cash 16,668 11 4 Annuities .. .. .. 43,440 4 9 Surrenders—Ordinary .. 92,507 10 8 ,, Civil Service policies relinquished in terms of Section 14 of "The Public Service Superannuation Act, 1907" .. .. .. 25,234 3 o Loans released by Surrender.. 58,917 8 9 903,213 16 4 Commission, New* .. ,. 45,259 1 2 Renewal .. 7,047 18 2 52,306 19 4 Land and Income Tax .. .. 33,676 11 7 Expenses of Management— Salaries, Head Office .. 41,631 17 11 Branch Offices and Agents .. .. 20,799 16 4 Extra Clerical Assistance .. 3,287 11 9 Medical Fees .. .. 13,395 3 10 Travelling Expenses .. 2,112 15 4 Advertising .. .. 3,895 4 2 Printing and Stationery .. 3,935 II o Rent .. .. .. 7,666 7 3 Postage and Telegrams .. 4,725 18 4 Exchange ... .. 266 1 3 Office Furniture Depreciation 741 79 General Expenses .. 9,667 6 11 Triennial Expenses .. 3,743 5 u Compensation for loss of Office .. .. .. 1,050 6 5 116,918 14 2 Investment Reserve Fund .. .. 20,000 o o Amount of Funds on 31st December, 1908 .. .. .. .. 4,264,684 19 2 £5,390,801 o 7 £5, 390,80J o 7 * Including Agents' allowances.

Dr. To Net value of Liabilities (as per Valuation Summary) To Surplus £ s. d. Cr. £ s. d. By Accumulated Funds (as per Consolidated 4,015,489 o o Revenue Account) .. .. .. 4,264,684 19 2 249,195 19 2 £4 ,'264,684 19 2 £4,264,684 19 2 £4.264,684 19 2

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Summary and Valuation of the Policies of the New Zealand Government Life Insurance Department, as at 31st December, 1908.

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Particulars of Policies for Valuation. / For Assurances: Institute of Actuaries' H">Tab]e, 34% interest. Values J For Immediate ( ish Annui 'y ! Annuities on J Tables , Issued prior to Annuit.es on June rf% imerest . ...^ V 1 subsequently, 3% interest. DESCRIPTION OF TRANSACTIONS. Number of Policies. Sums Assured and Bonuses. Office Yearly Net Premiums. Premiums. Sums Assured j Office Yearly Net Net and Bonuses, j Premiums. Premiums. Liability. ASSURANCES. £ £ £ £ £ £. £ I. — With Participation in Profits. Whole-life Assurances —Uniform Premiums „ Limited, Single, and Commuted Premiums Endowment Assurances Limited, Single, and Commuted Premiums Double Endowment Assurances Joint Life Assurances .. .. .. .. Survivorship Assurance .. .. ,. .. 1 1,902 724 26,534 3,964,043 391,544 5,845.791 84,883 72,671 1,458 1,217 189,472 157,622 2,336,868 259,483 , 3,568,336 96 1, 2 15 6,647 1 2,101,530 808,594 ',528,274 5,480 254,003 1,722,979 1,845,357 176 6,420 9 I 52,639 1,636,942 4,848 48 . I 21,310) J and 5,175 I [ per ann. at 60) 1,132 ; 905 4 6 , 6 45 39,929 229 185 1, in 1,023 27,976 727,601 2,875 16 12,490 629,993 2,599 15,423 9,938 18,038 534,118 193,483 2,093 782 16 14,236 7,882 104 . Annuity Assurances .. .. .. .. 22,118 Reserve for extra Premiums 873 - • • 873 <.848.708 ■• .. Additional Reserve of Loading Total Assurances with Profits II. —Without Participation in Profits. Whole-life Assurances (transferred from Temperance to Nonprofit Section) Endowment Assurance (transferred from Temperance to Nonprofit Section) Industrial Assurances Temporary Assurances 45,870" 5 11,917,165 I.Ogo 324,930 j 273,552 26 22 273,552 6,946, 146 j ] 3,729,897 3,097,438 Deduct 7,573 3> u 9/,43° , 3,°4°,7 00 Deduct 7,573 , Add 7,573 37089,865 3,848,708 Add 7,573 3,856,281 26 22 655 287 240 415 1 212 60 6 5 1 6 5 112 81 67 45 23 29 512 3,8.56,793 3 10 1 54 23 29 • 4,050 54_l •■ 307 Total Assurances without Profits Total Assurances 19 5,4'2 325,017 27 273,579 819 368 45,'% 11,922,577 6,946,965 3,730.265 3,090,172 ENDOWMENTS. 77,972 100 24,050 102, 122 2,954 964 _ _ 3,922 Simple Endowments —with return of premiums without return of premiums Endowments —Premiums cease at death of purchaser Total Endowments 597 187 i"~>5~ 24,4M 25 4,o r 7 24,414 25 j 4,oi7 28,456 3,922 28,456 ANNUITIES. Immediate Deferred Total Annuities Total of the Results .. 354 5 (per annum) 15,406 98 " 69 129,493 747 129,493 747 ; 130,240 359 15,504 : 69 130, 240 47,033 12,024,699 329,008 273,579 7,105,661 and £20,679 and £2,621 per annum. extra premium (not valued). 3,730,265 3,090,172 4,015,489

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FOURTH SCHEDULE. VII. 1. The liabilities of the Department under life policies and annuities at the date of the valuation, showing the number of policies, the amount assured, and the amount of premiums payable annually under each class of policies, both with and without participation in profits, will be found in detail in the Valuation Summary, given on page 6. 2. The net liabilities and assets of the Department, with the amount of surplus, are shown in the Valuation Balance-sheet given on page 5. VIII. All participating policies which were in force at the date of the valuation, however recently effected, share in the profits. The reversionary bonuses allotted to policies recently issued follow the sum assured— i.e., they vest immediately, and are payable with the sum assured as a claim, however short the duration ; but they do not acquire a cash value for surrender purposes until the policies to which they belong have been two years in existence. IX. The results of the valuation are as follows : — (1.) The total amount of profit made by the Department during the three years ending the 31st December, 1908, including a balance of .€16,887 lis. 7d. carried forward three years ago, was £262,334 4s. 2d., of which amount £13,138 ss. has been paid as interim bonuses during the triennium. (2.) The amount of profit divided among the policyholders as at the 31st December, 1908, was £192,430, which has been converted into reversionary bonuses amounting to £316,742. The number of policies which participated was 45,870, assuring the sum of £10,848,267, or, including reversionary additions, £11,917,165. (3.) The following are specimens of the bonuses which have been allotted, for the three years ending the 31st December, 1908, to ordinary whole-life policies for £100 in the General Section upon which all previously allotted bonuses had been allowed to remain : —

(Bonuses 10 per cent, more than the above have been allotted to similar policies in the Temperance Section.) The cash values of the reversionary bonuses are computed by the H M Table of Mortality, with interest at 4| per cent. MORRIS FOX, Actuary. 23rd March, 1909.

AGE AT ENTRY, AGE AT ENTRY, AGE AT ENTRY, •JO. AGE AT ENTRY, Number of Years in Force. Number of Years in Force. 20. Reversionary Cash Bonus. Value. 30. 50. Reversionary] Bonus. Cash Value. Reversionary Bonus. Cash Value. Reversionary Bonus. Cash Value. 5 10 »s 20 £ *. d. 310 340 370 3 13 o 3 19 o 4 3 0 430 £ s. d. o 14 6 0 17 1 104 1 5 o 1 11 o 1 16 8 216 £ s. d. 3 1 o 3 4° 3 7° 3 14 o 3 15 o 410 440 £ s. d. 0 18 6 1 in 1 6 3 1 12 8 1 17 6 2 5 11 2 12 10 £ s. d. 3 1 o 340 3 7° 311 o 3 14 o 400 4 3° £ s. d. 1 3 11 1 8 3 1 13 6 203 266 £ t. d. 310 3 4 0 3 7o 3 11 o 400 400 £ s. d. 1 10 6 1 16 3 222 5 10 15 20 25 30 35 25 30 35 292 2 15 O 3 4 4 3 7 8 2 15 4 327

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HEP O H T BY THE In terms of Section 37 of "The Government Life Insurance Act, 1908." (See sth Schedule.) STATEMENT OF THE LIFE ASSURANCE AND ANNUITY BUSINESS OE THE GOVERNMENT INSURANCE DEPARTMENT ON THE 31ST DECEMBER, 1908.

Question I.—The published table or tables of premiums which are in use at the date above mentioned. Answer. —The tables of premiums in use are contained in Appendix No. 1. Question 2.—The total amount assured on lives for the whole term of life which are in existence at the date above mentioned, distinguishing the portions assured with and without profits, stating separately the total reversionary bonuses, and specifying the sums assured for each year of life, from the youngest to the oldest ages. Question 3.—The amount of premiums receivable annually for each year of life, after deducting the abatements made by the application of bonuses in respect of the respective assurances mentioned under heading No. 2, distinguishing ordinary from extra premiums. Answer to Questions 2 and 3. —This information is contained in Appendix No. 2, and similar information in respect of other policies is given in Appendices N05.,3, 4, 5, 6, and 7.

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FIFTH SCHEDULE. / Question 4. The total amount assured under classes of assurance business other than for the whole term of life, distinguishing the sums assured under each class, and stating separately the amount assured, with and without profits, and the total amount of reversionary bonuses. Question s.—The amount of premiums receivable annually in respect of each such special class of assurances mentioned under heading No. 4, distinguishing ordinary from extra premiums. Question 6. —The total amount of premiums which has been received from the commencement upon all policies under each special class mentioned under heading No. 4, which are in force at the date above mentioned. Answers to Questions 4, 5, and 6 are contained in the following table : —

Question 7. —The total amount of immediate annuities on lives, distinguishing the amounts for each year of life.

Annual Pj tEMIUMS. Class of Assurance. ■- a 2S So Sums assured. Reversionary Bonuses. Total Ordinary Premiums Received. Ordinary. Extra. With Profits. £ s. d. £ s. d. £ s. d. £ s. d. £ s. d. Endowment Assurances 23,600 4,645,857 o o 346,713 2 o 164,539 l8 o 598 2 1 1,674,650 15 8 Endowment Assurances 3,110 888,779 o o 17,080 7 o 26,131 5 4 229 10 3 "2,934 I 9 Double Endowment Assurances 6,420 1,621,570 o o 15,372 12 O 46,645 8 2 1 14 6 196,281 1 4 oint Assurances 9 4,700 o o M7 13 o 228 13 6 7 15 o 1,288 9 9 Survivorship Assurance 1 40 o o 8 1 0 37 2 2 Annuity Assurances 104 20,495 o o* 814 15 o 1,in 7 4 t 7,472 9 7 Endowments : With return .. 43i 58,825 o o 2,338 2 1 10,903 12 1 Endowments : Without return 1 IOO o o 4 o 11 24 5 6 Endowments : Premiums ceasing on death of purchaser 187 24,050 o o 964 1 1 4,463 6 11 Without Profits. Endowment Assurance (transferred from Temperance Section) 200 o o 11 17 o 5 17 o 55 11 6 Endowments : With return .. 19,147 o o 615 10 II 8,879 5 4 166 Industrial Assurances 3 60 o o 160 34 o 4 [Temporary Assurances 10 4,050 o o 53 11 1 137 14 3 Totals £7,287,873 0 0 £380,148 7 0 £242,639 1 5 £837 1 10 £2,017,161 16 2 34,043 * And (iefer: t These ami -ed annui Hints are :ies for £5,175 is. also given under " 4 d. Deferred Annuit: Question 8. ies " in answer ti

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FIFTH SCHEDULE.

ANSWER TO QUESTION 7. Total Amount of Immediate Annuities on Lives, distinguishing the Sex, and the Amounts for each Year of Life.

Amount of Annuities. Age attained. Female. Male. £ s. d. 52 0 o 44 5 o 25 16 8 58 17 o 1000 20 19 4 £ ■■ d. 23 24 34 37 40 41 43 44 48 49 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 30 o o 18 4 o 209 18 4 39 14 4 42 o o 64 IO o IOI 10 o 50 o IO 222 8 4 33 18 2 33 1 8 202 15 4 147 15 8 139 10 4 176 5 4 289 1 2 56 16 8 327 11 4 183 1 8 155 10 o 114 1 10 149 17 o 12 13 8 51 8 10 84 11 4 112 7 o 130 o o 451 10 4 45 5 5 IOO o o 16 6 4 67 18 6 160 5 8 48 o o 12 O O 60 O O 196 O 4 87 9 IO 34 1 8 97 7 4 84 3 6 397 i° o 323 16 8 52 o o 139 17 8 168 1 6 74 8 4 339 11 4 408 4 8 501 9 2 205 10 8 673 18 3 410 16 2 177 4 8 467 5 4 711 12 10 362 1 11 692 O 2 229 13 6 152 5 5 602 14 8 468 2 8 576 6 6 37 2 7 385 15 2 147 13 o 30 o o 57 3 4 158 14 8 79 19 9 155 13 4 81 11 8 50 8 2 52 o o 127 7 4 47 1 9 36 2 8 55 18 8 Totals .. £4,401 8 10 £10,086 15 1 Ages attained. Joint and Survivorship. Female. Male. Amount of Annuity. 60-56 69-35 69-60 73-71 74-68 75-71 81-66 87-82 I ' 1 2 1 2 2 I I 2 2 I 2 £ s. d. 200 O O IO O O 34 8 4 58 2 O 80 1 8 193 1 o 42 9 8 300 o o 1 2 4 Total £918 2 8

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FIFTH SCHEDULE. Question 8. —The amount of all annuities other than those specified under heading No. 7, distinguishing the amount of annuities payable under each class, the amount of premiums annually receivable, and the amount of consideration-money received in respect of each such class, and the total amount of premiums received from the commencement upon all deferred annuities. ANSWER TO QUESTION 8.

The Amounts of all Annuities other than those specified under Heading No. 7.

Question 9.—The average rate of interest at which the funds of the Department were invested at the close of each year during the period since the last investigation. Answer. —At the close of each financial year the average rate of interest at which the funds of the Department were invested for that year was as follows : — / s d 1906 ... ... ... 4 9 10 1907 ... ... ... 4 10 3 1908 ... ... ... 4 12 2 Question 10. —A table of minimum values, if any, allowed for the surrender of policies for the whole term of life, and for endowments and endowment assurances; or a statement of the method pursued in calculating such surrender values, with instances of its application to policies of different standing, and taken out at various interval ages, from the youngest to the eldest. Answer. —The minimum surrender values for whole-life and endowment assurance policies issued at the present rates of premium arc given in Appendix No. 8. In the case of simple endowments, with return of all premiums at death of nominee, the premiums are returned without interest, as surrender value. Other endowments are treated specially.

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Amount of Annuities. Annual Premiums. Single Premiums. Total Premiums received to 31st December, 1908. Class of Annuity. Deferred (Premiums not returnable) £ b. d. ■ 63 12 8 £ s. d. 24 10 7 £ s. d. 200 O 0 £ *• d. 425 9 1 Deferred (Premiums returnable) .. 34 0 o 44 o o 218 3 6 Deferred (Annuity Assurances)* 2,636 10 6 546 4 o 69 12 10 4,035 12 81 Deferred (Annuity Assurances)! 2,538 10 10 565 3 4 29 14 o 3,436 16 11} Totals £5,272 14 0 £1,179 1711 £299 6 10 £8,116 2 2 £299 6 10 * And temporary assurances for £11,198. [uestions 5 and 6. t And whole-life assuranci :s for £9,297. X These amounts are also given in answer t<

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FIFTH SCHEDULE. Question 11. —A statement to be furnished of the manner in which policies on unhealthy lives are dealt with. Answer. —When proposals are made on lives which, although not of such inferior quality as to merit total rejection, are considered not to reach the requisite standard for insurance at the ordinary rates of premium, such proposals are accepted at increased rates. Great refinement is not attempted in the assessment of lives, proposals being as a rule either accepted at par, with an extra premium of 10s. per cent, of the sum assured, an extra of 20s. per cent., or declined. The alternative of a fixed contingent debt in lieu of extra premium, if not remissible, is always offered. The true age is taken as the basis of surrender calculations, excepting in the cases of paid-up policies, the surrender values of which are calculated at the rated-up ages. The Appendices alluded to above have been compiled under the immediate supervision of Mr. Morris Fox, the Actuary to the Department. J. H. RICHARDSON, , Government Insurance Commissioner. 23rd March, 1909.

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FIFTH

Appendix THE PUBLISHED Which were in Use on

Age nearest Birthday. Class of Assurance, with Participation in Profits. Age 15. Age 10. Age 17. Age . 18. Age 19. Age 20. Age 21. Age 22. Age 23. Age 24. < 213 a> ° E u o" o o J> c oi d A Bs B 10 B15 B20 B25 B30 B35 Annual premium during the whole term Single payments Annual premiums,--Limited to 10 years .. 15 » 20 25 „ 30 « 35 » £ ■■ d. 1 11 3 30 7 o 4 1 8 2 19 9 291 2 2 II I 19 O I 16 4 £ s. d. 1 12 2 31 I o 436 3 1 1 2 10 3 2 3 11 1 19 11 1 17 2 £ •■ d. 1 13 1 31 15 o 4 5 4 3 2 6 2 11 4 2. 411 2 o 10 1 18 1 £ s. d. 1 14 o 32 8 o 4 7 1 3 3 9 2 12 5 2 5 11 219 1 19 o £ s. d. 1 14 IO 33 o o 4 8 7 3 4 11 2 13 5 269 227 1 19 9 £ ■■ d. 1 15 7 33 12 o 4 9 10 3 5 11 2 14 2 276 2 3 3 2 o 5, £ s. d. 1 16 5 34 3 o 4 11 4 3 7o 2 15 2 284 240 212 £ ■■ d. 1 17 2 34 14 o 4 12 6 3 7 10 2 15 11 290 248 219 £ b. d. 1 18 o 35 5 o 4 13 10 3 8 10 2 16 9 2 9 9 2 5 4 226 £ s. d. 1 18 11 35 17 o 4 15 4 3 IO O 2 17 8 2 IO 8 262 233 V rt v ■5 a a <D OJ o •o c <" a; ■S is 2 rt'S, o " oS SM 3-° I in U o d rt C to <: o ai B o 13 a W Annual Premiums, — Payable for 10 years .. 11 9 9 1 8 10 3 7 14 8 716 6 10 3 9 9 8 8 10 10 9 io 4 8 ii 5 9 10 11 8 12 o 7 16 3 7 3 1 6 11 9 9 11 3 8 12 4 7 16 8 7 3 5 6 12 2 9 11 6 8 12 7 7 16 11 7 3 8 6 12 4 9 11 7 8 12 9 7 17 o 7 3 10 6 12 6 9 11 8 8 12 9 7 17 1 7 3 11 6 12 7 9 11 9 8 12 10 7 17 2 740 6 12 8 9 11 10 8 12 11 7 17 4 7 4 1 6 12 10 « 12 13 . 14 . 7 15 2 720 6 10 9 7 15 9 727 6 11 4 15 . 16 „ .. 17 . •• 18 „ .. .606 5 12 1 5 4 8 4 18 1 4 12 3 610 5 12 7 5 5 2 4 18 7 4 12 9 617 5 13 1 5 5 8 4 19 1 4 13 3 620 5 13 7 562 4 19 7 4 13 9 625 5 13 11 566 4 T 9 11 4 14 1 628 5 14 2 569 502 4 14 4 629 5 14 4 5 6 11 504 4 14 6 6 2 11 5 14 5 5 7o 506 4 14 8 630 5 M 7 5 7 2 507 4 14 10 632 5 14 9 5 7 4 5 o 10 4 15 o 19 ,, •• 20 „ 21 22 „ 4 7 I 425 3 18 2 3 14 4 3 10 11 4 7 7 4 2 11 3 18 8 3 14 10 3 11 4 4 8 1 4 3 5 3 19 2 3 15 4 3 n 10 486 4 3 10 3 19 7 3 15 9 3 12 4 4 8 10 442 400 3 16 2 3 12 8 4 9 1 4 4 5 403 3 16 5 3 12 11 4 9 4 4 4 8 405 3 16 7 3 13 2 4 9 6 4 4 10 407 3 16 10 3 13 4 4 9 8 4 5 0 409 3 17 o 3 13 6 4 9 10 4 5 2 410 3 17 2 3 13 9 23 „ .. 24 „ .. 25 „ .. 26 „ .. 27 „ .. 28 „ .. 29 „ .. 3 7 8 3 4 10 322 2 19 9 2 17 6 3 8 2 3 5 4 3 2 8 303 2 18 o 3 8 8 3 5 10 3 3 2 308 2 18 6 3 9 2 3 6 3 3 3 7 3 1 2 2 18 11 3 9 6 367 3 4° 3 1 6 2 19 4 3 9 9 3 6 11 3 4 3 3 1 10 2 19 7 3 10 o 3 7 1 3 4 6 3 2 1 2 19 10 3 10 2 3 7 4 3 4 8 324 3 o 1 3 10 5 3 7 7 3 4 11 326 304 3 10 8 3 7 10 3 5 2 3 2 10 308 30 . .. 31 . 32 . 33 . •• 34 a ■■ 2 15 5 2 13 6 2 11 9 2 IO I 287 2 15 11 2 14 o 2 12 3 2 10 7 291 2 16 5 2 14 6 2 12 9 2 11 1 297 2 16 10 2 14 11 2 13 2 2 11 7 2 IO I 2 17 3 2 15 4 2 13 7 2 12 o 2 10 6 2 17 7 2 15 8 2 13 11 2 12 4 2 10 10 2 17 10 2 15 11 2 14 2 2 12 7 2 11 1 2 18 I 2 l6 2 2 14 6 2 12 IO 2 18 4 2 16 6 2 14 9 2 13 2 2 11 9 2 18 8 2 16 9 2 15 1 2 13 6 2 12 1 2 II 5 35 1, ■■ 36 . •■ 37 a ■■ 38 „ .. 39 ,1 ■■ 40 „ •- 272 2 5 IO 247 236 225 2 I 5 278 264 2 5 1 240 2 2 II 2 2 0 282 2 6 10 2 5 8 246 236 226 288 274 262 291 2 7 9 267 256 246 236 295 282 270 2 5 IO 2 4 IO 2 3 II 299 286 2 7 4 263 2 5 3 2.44 2 IO I 2 8 IO 278 267 2 5 7 248 2 10 5 292 280 2 6 11 260 2 5 1 2 10 9 296 285 2 7 4 265 257 250 240 2 3 I

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SCHEDULE.

No. 1. TABLES OF PREMIUMS the 31st December, 1908.

15

Age m rarest Birthday. Age 25. Age 26. Age 27. Age 28. Age 29. Age 30. Age 31. Age Age 33. Age 34. Age 35. Age 86. Age 37. £ *• d. 1 19 11 £ ■■ d. 2 o 11 £ *• d. 220 £ s. d. 2 3 1 £ s. d. 243 £ s. d. 255 £ s. d. 268 £ s - d. 280 £ s - d. 294 £ s. d. 2 10 10 1 £ s- d. 2 12 4 £ s. d. 2 14 o £ ■• d. 2 15 8 A A Bs 36 10 o 37 3 o 37 16 o 38 10 o 39 4 o 39 19 o 4° 13 o 41 8 o 42 4 o 42 19 o 43 16 o 44 12 o 45 9 o Bs B 10 B15 B 20 B25 B30 B35 4 17 o 3 11 3 2 18 9 211 7 271 242 4 18 7 3 12 5 2 19 9 2 12 6 280 250 503 3 1.3 9 3 o 10 2 13 6 2 811 260 5 1 11 3 15 o 3 1 11 2 14 6 2 9 10 2 611 5 3 8 3 16 4 3 3 1 2 15 7 2 10 11 2 7 11 5 5 4 3 17 7 3 4 2 2 16 7 2 11 10 2 8 11 5 7 2 3 19 o 3 5 4 2 17 8 2 12 11 5 9 1 405 3 6 8 2 18 10 5 10 11 4 1 10 3 7 10 300 2152 2 12 3 5 13 o 4 3 5 3 9 3 3 1 4 2 16 6 2 13 7l 5 15 o 4 5 0 3 10 7 327 2 17 9 2 14 10 5 17 2 468 3 12 2 340 2 19 2 2 16 3 5 19 3 4 8 4 3 13 7 3 5 4 307 2 17 9 B 10 B15 B20 B25 B30 B35 2 14 I 2 11 I 2 10 o Ferm of Years. Term of Years. io 9 12 6 8 13 7 7 18 o 7 4 10 6 13 7 9 12 9 8 13 11 7 18 3 7 5 1 6 13 11 9 13 o 8 14 2 7 18 6 7 5 5 6 14 2 9 13 3 8 14 5 7 18 10 7 5 8 6 14 6 9 13 6 8 14 8 7 19 1 7 5 11 6 14 9 9 13 9 8 15 o 7 19 4 763 6 15 1 9 14 O 8 15 3 7 19 8 766 6 15 5 9 14 4 8 15 7 800 7 6 II 6 15 9 9 14 8 8 15 11 804 7 7 3 6 16 1 9 15 o 8 16 3 809 7 7 8 6 16 6 9 15 4 8 16 7 8' 1 1 7 8 1 6 16 11 10 ii 12 9 12 o 8 13 1 7 17 6 7 4 4' 6 13 I 9 12 3 8 13 4 7 17 9 7 4 6 6 13 4 11 12 13 14 13 14 15 16 17 18 6 3 5 5 14 11 5 7 7 5 1 1 4 15 3 6 3 8 5 15 3 5 7 10 5 1 4 4 15 6 6 3 11 5 15 6 5 8 2 5 1 8 4 15 10 6 4 3 5 15 10 5 8 5 5 1 11 4 16 2 646 5 16 1 5 8 9 523 4 16 6 6 4 10 5 16 5 5 9 1 527 4 16 10 6 5 1 5 16 9 5 9 5 5 2 11 4 17 2 6 5 5 5 17 1 5 9 9 5 3 3 4 17 7 6 5 9 5 17 5 5 10 1 5 3 8 4 18 o 6 6 1 5 17 10 5 10 6 5 4 1 4 18 5 6 6 6 5 18 3 5 10 11 5 4 7 4 18 11 6 6 11 5 18 8 .5 11 5 5 5 1 4 19 5 6 7 5 5 19 2 5 11 11 5 5 7 500 15 16 17 18 19 19 20 4 10 1 4 5 5 4 1 3 3 17 6: 3 14 1 4 10 5 4 5 9 4 1 7 3 17 10 3 14 5 4 10 8 461 4 in 3 18 2 3 14 9 411 o 465 423 3 18 6 3 15 2 4 11 5 469 428 3 18 11 3 15 7 4 11 9 4 7 2 4 3 0 3 19 4 3 16 o 4 12 I 4 7 6 4 3 5 3 19 9 3 16 5 4126 4 7 11 4 3 10 402 3 16 10 4 12 11 4 8 5 4 4 4 408 3 17 4 4 13 5 4 8 10 4 4 10 4 1 2 3 17 11 4 13 11 4 9 5 4 5 4 4 1 9 3 18 6 4 14 5 4 9 11 4 5 11 424 3 19 2 4 15 o 4 10 7 467 4 3 0 3 19 10 20 21 22 23 24 21 22 23 24 25 26 27 28 3 10 ii 3 8 1 3 5 6 3 3 2 3 1 o 3 11 4 3 8 6 3 5 11 3 3 6 3 1 5 3 11 8 3 8 10 364 3 3 11 3 1 10 3 12 1 3 9 3 369 3 4 5 323 3 12 6 3 9 8 3 7 2 3 4 10 329 3 12 11 3 10 2; 3 7 8 3 5 4 3 3 3 3 13 4 3 10 7 382 3 5 10 3 3 9 3 13 10 3 11 2 388 365 3 4 4 3 14 4 3 11 8 3 9 3 3 7° 3 5 0 3 14 11 3 12 3 3 9 10 3 7 8 3 5 8 3 15 7 3 12 11 3 10 6 3 8 4 3 6 5 3 16 3 3 13 8 3 11 3 3 9 2 3 7 2 3 17 o 3 14 5 3 12 1 3 9 11 3 8 1 25 26 27 28 29 29 30 3i 32 33 34 2 19 O 2 17 2 2 15 6 2 13 II 2 12 6 2 19 5 2 17 7 2 15 11 2 14 5 2 13 o 2 19 10 2 18 I 2 16 5 2 14 II 2 13 6 3 ° 4 2 18 6 2 16 11 2 15 5 2140 3 o 10 2 19 1 2 17 5 2160 3 1 4 2 19 7 2 18 0} 2 16 7 2 15 3l 3 1 11 302 2 18 7 2 17 2 2 15 11 326 3 o 10 2 19 3 2 17 10 2 16 7 3 3 2 3 1 6 300 2 18 7 2 17 4 3 3 10 323 309 2 19 5 2 18 2 3 4 7 3 3° 3 1 7 303 2 19 1 3 5 6 3 3 11 326 3 1 3 3 o 1 364 3 4 10 3 3 6 323 3 1 2 30 31 32 33 34 2 14 7 35 36 37 38 39 40 2 II 2 2 IO O 2 8 11 2 7 10 2 6 11 261 2 11 8 2 10 6 2 9 5 2 8 5 276 268 2 12 3 2 II I 2 IO O 2 12 9 2 11 8 2 10 7 298 289 280 2 13 5 2 12 3 2 11 3 2 10 4 296 288 2 14 o 2 12 11 2 11 11 2 11 o 2102 296 2 14 8 2 13 8 2 12 8 2 15 5 2 14 5 2 13 5 2 12 7 2 11 10 2 16 3 2 15 3 2 14 4 2 13 6 2 12 91 2 12 I 2 17 1 2 16 I 2 15 3 2 14 6 2 13 9 2 13 ? 2 18 1 2 17 1 2 16 3 2 15 6 2 14 10 2 14 3 2 19 1 2 18 2 2 17 4 2 16 8 2 16 O 2 15 6 302 2 19 3 2 18 6 35 36 37 38 39 40 2 9 0 2 8 I 2 7 4 211 9 2 11 o 2 17 10 2 17 3 2 16 9 2 10 3 211 2

16

H.—Bd

FIFTH

Appendix THE PUBLISHED Which were in Use on

ige nearest Birthday. Class of Assurance, with Participation in Profits. Age 38. Age 39. \ Age 40. Age 41. Age 42. Age 43. Age 44. Age 45. Age 46. Age 47. H rt o I.jbB, 1-. *-" rt =» £ m O < 2 « cu - p CD O is* o o 9, T3 CD $p a M rt W A Bs B 10 B15 B20 B25 B30 B35 Annual premium during whole term Single payments Annual premiums,— Limited to 10 years .. / s. d. 2 17 5 46 6 o 6 1 6 £ s. d 2 19 ; 47 4 c 6 3 i 4 11 ic 3 16 i 3 8 4 3 3 1 3 o ic £ s. d. 3 1 3 48 2 O 6 6 1 / •■ d 3 3 4 49 1 c 6 8 t £ s. d. 357 50 o o 6 11 1 4 17 9 420 3 13 7 3 8 11 £ s. d. 3 7 11 51 o o 6 13 8 4 19 10 440 3 15 6 3 10 IO £ s. d.\£ s. d. 3 10 6 3 13 2 52 o 053 1 o 6 16 6 6 19 4 522546 462484 3 17 8 3 19 10 3 13 1 3 15 4 £ s. d. 3 16 o 54 2 o 724 5 6 11 4 10 8 422 / s. d. 3 19 1 55 4 o 7 5 6 5 9 7 4 13 2 4 4 9 15 1, 20 „ 25 „ 30 „ 35 . 4 10 1 3 15 1 3 6 10 320 2 19 3 4 13 9 3 18 5 3 10 o 3 5 3 327 4 15 i 402 3 11 i 3 7 c Annual Premiums, — Payable for 10 years .. „ 11 a 12,,.. 9 15 8 8 16 11 8 1 6 7 8 5 6 17 5 9 16 o 8 17 4 8 1 11 7 8 11 6 17 10 9 16 5 8 17 9 824 7 9 5 6 18 5 9 16 11 1 8 18 3 . 8 2 11 7 10 o 6 19 o 9 17 6 8 18 11 8 3 6 1 7 10 8 6 19 8 1 9 18 1 8 19 7 '843 1 7 11 5 1706 9 18 io 1 904 850 7 12 3 7 14 >' 9 19 8 1912 > 8 5 11 1 7 13 2 ■724 ! 10 o 6| : 9 2 1 : 8 6 io, 1 7 14 1 7 3 4 >'i° 1 5 930 ) 8 7 10 : 7 15 2 ■745 -d CD rt 0 ■3 s S CU CD XI 0 T3 a CU CU ■5 b t!-2 °^ o !t3 M £ « 0"° CD ah in ni 0 tl H ° I c/i cu o a rf u 9 CO c/> < CD i o "O a w c 13 . •• 14 . •■ 15 . •• 16 „ .. 17 . •• 18 „ .. 19 « » 20 „ „ 21 ,, 22 „ 23 „ .. 24 „ .. 25 „ .. 26 , 27 „ .. 28 „ .. 29 „ .. 6 7 10 5 19 8 5 12 5 562 506 4 15 7 4 11 2 4 7 3 4 3 9 407 3 17 9 3 15 2 3 12 11 3 10 10 3 9o 685 602 5 13 o 569 5 1 2 4 16 . 3 4 11 11 480 4 4 6 4 1 5 3 18 7 3 16 1 3 13 10 3 11 10 3 10 o 6 8 11 609 5 13 8 5 7 5 5 1 10 4 17 o 4 12 8 489 4 5 4 423 3 19 6 3 17 1 3 14 10 3 12 11 3 11 1 6 9 7 1615 : 5 14 4 581 1528 1 4 17 10 4 13 4 1498 463 4 3 3 .407 3 18 2 1 3 16 o 3 14 1 3 12 4 6 10 4 622 5 15 2 5 8 11 5 3 6 4 18 9 4 14 6 4 10 8 4 7 4 4 4 4 4 1 8 3 19 4 3 17 3 3 15 4 3 13 8 . 6 11 2 : 6 3 1 : 5 16 o 5 9 11 ,546 1 4 19 9 ' 4 15 7 I 4 11 10 .486 4 5 7 ; 4 3 o 408 3 18 8 3 16 10 3 15 2 6 12 o 640 5 17 o 5 10 11 5 5 7 5 o 11 4 16 9 4 13 1 4 9 10 470 4 4 5 422 402 3 18 5 3 16 10 1 6 13 1 1651 > 5 18 2 5 12 1 5 6 10 522 4 18 1 4 14 6 4 11 3 486 460 4 3 9 4 1 10 402 3 18 8 6 14 1 662 5 19 4 5 13 4 1581 5 3 6 4 19 6 4 15 11 4 12 10 4 10 1 4 7 8 4 5 6 4 3 8 420 407 6 15 3 i 6 7 5 .607 5 14 8 5 9 6 '550 510 4 17 7 4 14 6 4 11 10 4 9 6 4 7 5 4 5 7 440 428 30 . •• 31 . 32 . •■ 33 . •• 34 . •• 3 7 4 3 5 10 3 4 6 3 3 4 323 3 8 5 3 6 11 3 5 8 3 4 6 3 3 6 3 9 7 382 3 6 11 3 5 10 3 4 10 3 IO IO 396 3 8 3 3 7 3 364 3 12 3 3 10 11 3 9 9 3 8 9 3 7" 3 13 9 3 12 6 3 11 5 3 10 6 3 9 8 3 15 6 3 14 4 3 13 3 3 12 5 3 11 8 3 17 4 3 16 3 3 15 3 3 14 5 3 13 9 3 19 4 3 18 1 3 17 5 3 16 8 4 1 7 407 3 19 9 35 a ■■ 36 . .. 37 . ■• 38 . •• 39 . •• 3 1 4 306 2 19 9 2 19 2 2 18 7 327 3 1 10 312 307 3 ° 1 3 4° 3 3 3 327 3 2 ! 3 1 7 3 5 6 3 4 10 3 4 3 3 3 9 3 7 2 3 6 6 360 3 9 0 3 8 5 3 11 OAge i 30. ■ 2 5 8 2 5 IO 261 265 2 6 IO Age 29. 2 4 5 Age 28. 2 3 3 2 3 5 4° . ■• 2 18 2 2 19 7 Age 34. 2 11 1 Age 33. 297 2 9 II Age- I 32. 283 2 8 6 289 Age 31. 2 6 Ilj 272 275 279 248 2 4 11 252 256 2 5 11 2 3 8 2 3 11 2 4 3 248 2 5 1 Age 30. 2 14 3 2 14 7 2 15 O Age 35. 2 12 7 2 12 11 2 13 4 2 13 9 2 11 4 2 11 9 2 12 2 2 12 7 2 10 3 2 IO 7 2 II O 2 II 6 292 297 2 IO O 2 IO 7 282 28 7 2 9 1 298 273 278 2 8 3 2 8 10 264 2 6 IO 256 2 6 1 267 2 7 3 Age 38. 2 17 .9 Age 37. 2 15 11 2 16 4 275 280;

17

H.—Bd

SCHEDULE.

No. 1—continued. TABLES OF PREMIUMS the 31st December, 1908.

3—H. Bd.

Age nearest Birthday. Age 48. Age 49. Age 50. Age 51. Age 52. Age 53. Age 54. Age 55. Age 56. Age 57. Age 58. Age 59. Age 60. A Bs £ 3. A. £ s. d. 423457 56 5 057 7 o 7 8 8 7 11 10 5 12 3 5 15 o 4 15 9 4 18 4 4 7 4 4 10 1 £ »■ d. 4 9 2 58 10 o £ «• d. 4 13 o 59 13 o £ s - d. 4 17 2 60 16 o £ s. d. 5 1 7 62 o o £ *• d. 564 63 4 o £ *■ d. 5 11 5 64 9 o / s. d. 5 16 11 65 14 o £ s. d. £ s. d. 6 2 10 6 9 2 66 19 068 4 o 938987 7 3 11 7 8 6 £ s - d. 6 16 1 69 10 o £ s. d. 7 3 7 70 16 o A Bs B 10 B15 B 20 B25 B30 B35 7 15 2 5 17 10 5 1 2 4 13 o 7 18 8 6 o 11 5 4 3 8 2 5 6 4 3 5 7 6 863 6 7 9 5 II o 8 10 3 6 11 5 5 14 8 8 14 6 6 15 3 5 18 8 8 19 o 6 19 6 9 13 IO 7 13 6 9 19 4 7 18 11 Bio B15 B20 B25 B30 B35 Perm of Years. Term of Years. 10 10 11 12 13 14 10 2 4 ! 940 8 8 11 7 16 3 7 5 7 '10 3 4 9 5 1 8 10 o 7 17 6 7 611 io 4 5 963 8 ii 3 7 i8 9 7 8 3 10 5 8 9 7 6 8 12 8 803 7 9 10 10 7 o 990 8 14 3 8 1 11 10 8 7 9 10 8 8 16 o 8 3 9 7 13 6 10 10 3 9 12 6 8 17 11 8 5 10 7 15 8 10 12 3 9 14 6 900 8 8 1 7 18 o 10 14 4 9 16 9 925 8 10 6 808 10 16 8 9 19 3 950 8 13 3 8 3 6 10 19 3! 10 1 11 9 7 io| 8 16 3I 867, 11 2 1 10 4 11 j 9 10 11 8 19 5 8 10 o 11 5 2 10 8 1 9 14 4 9 3 0 8 13 9 11 12 13 14 7 11 7 15 16 17 . 18 6 16 6 6 8 8 620 5 16 1 511 o 6 17 10 6 10 1 636 5 17 8 5 12 8 6 19 4 6 11 8 6 5 1 5 19 5 5 14 6 710 6 13 5 6 6 11 614 5 16 6 7 2 10 6 15 4 6 8 11 6 3 5 5 18 8 7 4 10 6 17 6 6 11 2 6 5 9 612 772 6 19 10 6 13 8 684 6 3 10 7 9 7 725 6 16 4 6 11 2 669 7 12 4 7 5 3 6 19 4 6 14 3 6 10 o 7 15 3 7 8 4 727 6 17 8 6 13 7 7 18 6 7 11 9 762 7 1 5 1 6 17 6 8 2 1 7 15 7 7 10 1 ' 7 5 7 7 1 9 8 6 1 7 19 8 7 14 5 7 10 1 766 15 16 17 18 19 19 20 21 22 23 24 567 5 2 8 4 19 4 4 16 4 4 13 8 5 8 4 5 4 6 5 1 2 4 18 3 4 15 9 5 10 3 5 6 6 5 3 3 505 4 17 11 5 12 3 588 5 5 6 529 5 o 5 5 14 7 5 11 o 580 5 5 4 5 3 2 5 17 2 5 13 8 5 10 9 5 8 3 562 5 19 11 5 16 7 5 13 10 5 11 5 5 9 5 630 5 19 10 5 17 2 5 14 11 5 13 o 665 6 3 4 6 o 10 5 18 8 6 10 1 6 7 3 6 4 10; 6 14 2 6 11 5 6 18 8 20 25 26 4 11 5 4 9 5 4 7 9 463 4 5 0 4 13 6 4 11 8 4 10 o 4 § 7 4 7 5 4 15 10 4 14 1 4 12 6 411 2 4 10 1 4 iS 5 4 16 8 4 15 3 4 14 1 5 1 3 4 19 8 4 18 3 5 4 4 5 2 10 5 7 9 Age 19. I 14 II Age 18. 1 14 I I 14 2 Age 17. 1 13 2 1 13 3 1 13 5 Age 16. 1 12 3 1 12 4 1 12 6 1 12 7 Age 15. 1 11 4 1 11 5 1 11 7 1 11 8 1 11 10 64 63 62 6l 60 27 28 Age 20. 1 15 9 1 15 10 1 16 o 1 16 2 1 16 4 29 30 31 4 3 11 4 3° 465 Age 23. I 18 2 I 18 4 Age 22. 1 17 4 1 17 6 1 17 8 Age 21. 1 16 6 1 16 8 1 16 10 1 15 o 1 15 2 1 15 4 1 15 6 1 15 9 1 14 4 1 14 5 1 14 8 1 13 6 1 13 8 1 13 11 1 14 1 1 14 4 1 12 9 1 12 11 1 12 o 1 12 2 1 12 5 1 12 8 59 58 57 56 55 Age 25. 200 Age 24. I 19 I 1 14 10 1 15 1 I 13 2 1 13 4 1 13 7 Age 26. 2 10 2 I 3 2 I 5 2 I 8 1 17 o 1 12 11 52 5i 50 Age . 27. 2 2 1 224 2 2 6 2 0 2 2 0 5 207 2 0 10 1 19 3 I 19 5 1 19 7 1 19 10 202 i 18 6 1 18 8 1 18 11 1 19 2 1 19 6 1 17 10 1 18 1 1 18 4 1 18 7 1 18 11 1 17 2 1 17 5 1 17 9 1 18 o 1 18 4 1 16 7 1 16 10 1 17 2 1 17 5 1 17 10 1 16 o 1 16 3 1 16 7 1 16 11 1 15 4 1 15 7 1 15 11 1 16 3 I 16 8 1 14 7 1 14 11 1 15 3 1 15 7 1 16 o 1 13 11 1 14 3 1 14 7 1 14 11 1 15 4 1 13 3 1 13 6 1 13 11 1 14 3 1 14 9 54 53 52 5i 50 1 17 3 49 48 47 46 45 2 2 IO 2 I II 2 12 2 l6 206 1 19 10 203 208 1 19 3 1 19 8 201 207 212 1 18 9 1 19 2 1 19 7 201 208 1 18 2 1 18 8 1 17 8 1 18 1 1 18 7 1 19 2 1 19 9 1 17 1 1 17 7 1 18 1 1 18 7 1 19 2 1 16 5 1 16 11 1 15 10 1 16 4 1 16 10 1 15 2 1 15 8 1 16 3 1 16 10 1 17 5 49 48 47 46 45 2 3 I 2 3 5 2 3 IO 2 4 3 2 2 3 2 2 8 2 o 10 2 III 213 2 1 8 1 19 1 1 19 8 203 1 17 5 1 18 o 1 18 8 2 3 1 2 3 6 224 2 2 IO 222 211 2 1 8 1 17 5 1 18 o 44 43 42 41 2 4 9 2 5 3 2 5 II 267 24O 247 2 5 3 2 5 11 2 3 4 2 3 II 2 4 7 2 5 4 229 2 3 4 240 2 4 9 222 2 2 10 236 2 4. 3 219 224 231 2 3 10 2 1 3 2 in 228 2 o 10 216 223 2 3 1 204 211 2 1 10 228 1 19 10 207 214 222 1 19 3 200 209 217 1 18 8 1 19 5 203 211 1 18 1 1 18 10 1 19 8 206 44 43 42 41 2 3 5

H.—Bd

18

FIFTH

Appendix THE PUBLISHED Which were in Use on

JOINT LIVES.

IMMEDIATE ANNUITIES.

Temporary ASSURANCES.

Double-Endowment ASSURANCES.

An, nual Premiums required to secure /ioo, payable on the failure of either Life. (With Profits.) U -w 00 CD 5 cu a £ a-a S3£ Difference between Age of Elder and Younger Life. 0 Years. 2 Years. 4 Years. 6 Years. 8 Years. 10 Years. 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 £ s. d. 2 14 11 2 16 o 2 17 2 2 18 3 2 19 6 3 o 11 324 3 3 11 3 5 6 3 7 2 3 8 11 3 10 8 3 12 7 3 14 6 3 16 7 3 18 10 4 1 2 4 3 7 461 4 8 9 4 11 7 4 14 7 4 17 10 5 1 4 5 5 1 5 9 0 5 13 3 5 17 8 623 672 6 12 5 £ t. d. 2 16 1 I 2 17 2 2 18 4 2 19 7 3 O II 325 3 3 11 3 5 7 3 7 3 3 9 0 3 10 9 3 12 8 3 14 8 3 16 9 3 18 11 4 1 3 4 3 8 462 4 8 11 4 11 8 4 14 9 4 18 o 5 1 6 5 5 3 5 9 2 5 13 5 5 17 10 626 6 7 5 6 12 8 6 18 3 £ «• d. 2 17 4 2 18 7 2 19 10 3 12 3 2 7 3 4 2 3 5 9 3 7 5 3 9 2 3 11 o 3 12 11 3 14 11 3 17 o 3 19 2 416 440 466 4 9 3 4 12 2 4 15 3 4 18 6 520 5 5 9 5 9 9 5 13 11 5 18 5 631 6 8 1 6 13 5 6 19 2 7 5 2 £ s. d. 2 18 10 302 3 1 6 3 2 11 3 4 5 360 3 7 9 3 9 6 3 11 4 3 13 4 3 15 4 3 17 5 3 19 8 420 446 4 7 1 4 9 11 4 12 11 4 16 o 4 19 4 5 2 11 568 5 10 7 5 14 10 5 19 4 642 693 6 14 9 706 768 7 13 3 £ s. d. 307 320 3 3 5 3 4 11 3 6 6 382 3 10 o 3 11 10 3 !3 10 3 15 11 3 18 1 404 429 4 5 3 4 7 11 4 10 10 4 13 I 1 4 17 2 506 5 4 1 5 7 10 5 11 10 5 16 2 609 6 5 8 6 10 11 6 16 6 726 789 7 15 6 828 £ i. i, 326 340 356 3 7 1 3 8 9 3 10 7 3 12 6 3 14 7 3 16 8 3 18 10 4 1 2 4 3 8 463 490 4 12 o 4 15 2 4 18 6 5 1 " 5 5 7 5 9 5 5 13 6 5 17 10 627 677 6 13 o 6 18 9 7 4 11 7 11 5 7 18 4 8 5 9 8 13 7

5/(0; ling the Sum to be paid fo> payable by Half; an Immediate Annuity of £10, 'early Instalments. i2 >> o>5 -=i3_ MALE. FEMALE. 4= E>> IJ. 3 0)£ IX>U MALE. FEMALE. 80 79 78 77 76 75 74 73 72 71 70 69 68 67 66 65 64 63 62 61 £ »■ d. 51 10 10 53 19 2 56 9 2 59 o o 61 12 6 64 7 6 67 5 o 70 3 4 73 5 o 76 8 4 79 12 6 82 17 6 86 2 6 89 7 6 92 12 6 96 o o 99 9 2 102 18 4 106 7 6 109 16 8 £ s - d - 55 10 o 58 5 o 61 1 8 64 o 0 67 o 10 70 2 6 73 5 10 76 10 10 79 17 6 83 5 10 86 16 8 90 11 8 94 9 2 98 8 4 102 o 4 106 7 6 no 6 8 60 59 58 57 56 55 54 53 52 51 50 49 48 47 46 45 44 43 42 41 40 £ 5. d. 113 7 6 117 o o 120 12 6 124 2 6 127 10 10 130 16 8 134 o 10 137 4 2 140 5 o 143 5 o 146 4 2 149 O IO 151 16 8 154 IO IO 157 5 o 159 17 6 162 8 4 164 19 2 167 9 2 169 18 4 172 6 8 £ *■ d. 125 12 6 129 7 6 133 3 4 136 17 6 140 11 8 144 4 2 147 14 2 151 4 2 154 12 6 157 19 2 161 4 2 164 10 o 167 15 o 170 18 4 174 O IO 177 O IO 179 19 2 182 16 8 185 11 8 188 5 10 190 18 4 114 4 2 118 o o 121 15 10

Prem ium to be pc Single Life id for assu, ( Without 'ing /ioo Profits.) on a cn £ © cg-a ox, 1-. a-po Annual Premium for 1 Year. Annual Premium for 3 Years. Annual Premium for 5 Years. Under ■ £ s. d. I I o o 108 ' I o 10 113 I I 10 £ s. d. 1 o 6 ion £ '■ d. i i o 25 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 125 ; 1 3 o 1 3 5 1 3 10 1 4 2 1 4 8 1 5 3 1 6 o : 1 6 8 17 5 180 186 1 8 11 1 9 5 1 10 3 1 n 2 1 12 6 1 14 1 1 15 9 1 17 3 1 19 o 206 1 1 4 1 1 10 1 2 5 1 2 11 1 3 5 1 3 10 1 4 3 1 4 8 1 5 3 1 6 o 1 6 8 1 7 4 1 8 o 1 8 6 1 8 11 1 9 6 1 10 3 1 11 3 1 12 7 1 14 1 1 15 8 1 17 3 1 18 10 i I 4 I i io I 2 4 I 2 IO i 3 4 I 3 io I 4 3 I 4 9 i 5 4 I 5 ii I 6 7 i 7 3 i 7 io i 8 5 i 9 o i 9 7 I io 4 i ii 5 i 12 8 i 14 o 1 15 7 1 17 2 1 18 9 204 222 205 221 221 2 3 11 262 287 2 3 11 261 287 2 11 3 240 262 287 2 11 3 2 14 2

(With Profits.) 'or the Assurance of £100 in the event of Death during the Term, and an Endowment of £100 in the event of the Life assured surviving the Term. Term Annual lerm. Premium. £ «• *• 10 years 17 12 o 15 „ n o o 20 „ 7 14 o 25 „ 5 16 o 30 „ 4 12 o 35 . 3 15 o

19

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SCHEDULE. No. I—continued.1 — continued. TABLES OF PREMIUMS the 31st December, 1908.

TABLE VI.

TABLE Vl.p.

ENDOWMENTS FOR CHILDREN AND OTHERS.

ENDOWMENTS FOR CHILDREN.

Premiums payable oftener than yearly are obtained in the following manner :— Half-yearly.— The annual premiums are increased by 2j per cent., and divided by 2. • Quarterly. —The annual premiums are increased by 5 per cent., and divided by 4. Monthly. —The annual premiums are increased by 7J percent., and divided by 12. Four-weekly. —The annual premiums are increased by 7J per cent., and divided by 13-

4—H. Bd.

nnual Premiums to secure /100 in the event of Survival of Nominee to End of Term. Premiums returned (less 10 per cent.) in event of Death of Nominee during the Term. The Policy becomes paid up in the event of Death of Purchaser during the Term. (With Profits.) Age of Purchaser at nearest Birthday. Term of Years. Under 30, 30-39. 40-44. 45-49. £ s. d. £ s. d. £ s. d. £ i d. 10 961 9 10 5 9 19 1 10 7 8 11 869 8 10 7 8 18 4 961 12 7 10 7 7 14 1 8 1 1 8 8 1 13 6 17 o 702 766 7 12 11 14 6 5 4 6 8 3 6 14 1 6 19 11 15 5 15 4 5 18 o 6 3 4 689 16 566 5 9o 5 13 11 5 18 11 17 4 18 10 5 1 1 5 5 8 5 10 4 18 4 12 o 4 14 2 4 18 5 5 2 8 19 4 5 11 4 7 11 4 11 11 4 15 11 20 405 424 461 4 9 10 21 3 15 6 3 17 3 4 o 10 4 4 4 22 3 11 o 3 12 8 3 16 o 3 19 4 23 3 7o 3 8 7 3 11 8 3 14 10 24 3 3 3 3 4 9 3 7 8 3 10 7 25 2 19 10 3 1 3 3 4 0 3 6 10

'ates of Premium to secure £100 in the event of Survival to End of Term. Premiums returned in the event of Death. (With Profits.) Term of Years. Single. Annual. £ s. d. £ s. d. 10 74 IO o 8 13 1 11 72 5 0 7 15 1 12 70 I o 701 13 67 19 o 6 7 5 14 65 18 o 5 16 7 15 63 19 o 5 7 3 16 62 o o 4 19 1 17 60 4 o 4 11 11 18 58 8 o 4 5 7 19 56 14 o 3 19 11 20 55 1 o 3 14 10 21 53 9 o 3 10 3 22 5i 17 o 3 6 1 23 50 8 o 324 24 48 18 o 2 18 10 25 47 9 ° 2 15 8

H.—Bd.

FIFTH SCHEDULE.

Appendix No. 2. ASSURANCES FOR THE WHOLE TERM OF LIFE WITH WHOLE-LIFE PREMIUMS In force at 31st December, 1908.

20

Amount assured. Bonus Additions. Office Annual Premiums. Net Yearly Permanent Reduction of Premium. Age attained. Age attained. Number of Policies. 'remiums. Ordinary. Extra. £ 650 600 £ '■ 46 18 42 2 74 13 225 16 329 13 568 13 650 12 1,150 10 2,042 10 2,697 6 4,057 5 3,563 13 5,449 12 6,172 8 6,890 7 8,827 10 7,243 17 10,881 2 9,57o 15 12,863 6 12,556 8 10,825 2 12,543 11 13,897 7 12,169 10 15,310 15 13,065 12 17,029 5 14,472 14 I5,75i 9 i6,354 6 18,414 6 18,843 11 18,269 8 19,865 1 19,772 19 15,969 19 I5,75i 13 16.810 1 13,704 10 16,042 9 19,067 12 15,790 17 16,651 5 19,209 19 18,346 o 10,476 4 13,742 2 10.811 16 1 9,759 10 9,190 13 7,609 1 8,871 4 6,112 12 2,572 16 4,583 5 2,555 10 2,629 2 1,466 12 760 18 548 7 106 18 1,060 11 129 o 387 14 £ *■ d. 10 4 10 9 10 6 15 16 7 45 15 6 64 14 7 no 19 o 115 9 6 181 14 o 351 8 8 416 6 4 575' 5 4 530 3 6 767 J 4 2 850 3 o 912 13 8 1,183 5 11 1,083 15 2 1,54! 17 3 1,348 12 2 1,847 16 o 1,764 16 5 1,602 4 9 1,807 9 9 2,074 7 4 1,834 o 3 2,161 15 1 1,992 18 6 2,568 13 7 2,328 8 5 2,401 16 4 2,442 5 8 2,533 15 7 2,680 1 o 2,616 17 11 2,631 11 6 2,646 19 8 2,353 o 9 2,320 3 o 2,336 IO o 1,845 12 4 2,130 1 7 2,713 14 2 2,009 17 IO 2,256 IO I 2.404 9 4 2,387 10 10 1,432 18 1 1,889 9 11 r,749 14 3 1.405 18 11 1,353 11 4 1,254 12 3 1,259 2 7 924 o 10 361 14 2 915 17 8 343 2 7 440 4 10 230 19 2 172 12 o 97 17 7 10 19 o 237 2 6 31 14 10 44 4 6 4 19 o 45 11 8 £ *• d. £ 7-319 7-029 II-745 34-049 48-516 83-389 87-I37 137-720 268-008 317-292 439-478 407-573 59I-587 657-603 710-068 925400 853-620 1,218-984 1,072-904 1,471-631 1,413-806 1,290-093 1,462-752 1,688-078 1,498-580 1,781-115 1,646-060 2,141-156 1,946-504 2,030-987 2,066-372 2,154-460 2,302-280 2,253-965 2,272.305 2,292119 2,046-716 2,028-208 2,055-553 1,632-255 1,885-004 2,411-654 i,793-965 2,019-938 2,158-037 2,i5i-473 1,295-863 1,710-913 1,586-694 1,280-707 1,237-242 1,149-489 1,156-269 858-296 336-200 846-063 324-081 4I3H5I 218-453 164-121 93-458 10-560 224-780 29-773 44-369 4-620 43-390 £ s. d. 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 ■ 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 89 90 I 2 5 13 16 26 36 44 86 99 127 121 172 194 191 256 214 281 227 300 295 304 273 334 296 342 299 394 379 340 360 380 375 376 344 337 309 3" 274 248 261 313 234 266 258 253 184 201 170 139 133 121 105 75 46 46 28 32 16 18 8 1 6 3 2 1,000 2,850 3.950 6,650 6,850 10,735 20,210 23,975 32,800 29,690 42,585 46,430 48,935 62,340 55.715 77.940 66,270 90,395 84,250 74.95o 84,100 93,500 81,350 96,030 86,920 no,373 98,015 99,75o 100,813 103,357 108,707 105,230 104,341 105,047 87,894 84,797 84,604 67,593 75.948 94,n5 69,063 76,275 80,643 77,981 46,354 59,556 51,436 41,200 39,579 35,47i 34,513 24,821 9,97° 21,587 9,520 10,830 5,66o 4,000 2,35o 300 4,500 500 1,100 IOO 500 1 10 o 1000 990 650 9 12 8 14 10 o 622 921 21 12 10 n 2 6 12 15 o 25 17 n 19 18 o 23 13 4 25 11 o 32 11 2 44 3 8 25 5 6 56 3 2 51 IO o 34 14 5 52 18 9 45 5 4 51 5 o 59 11 3 54 12 11 61 16 9 69 10 3 51 16 5 68 5 9 57 7 1 51 4 10 76 3 10 40 3 4 60 3 6 63 6 10 63 17 10 50 IO o 44 12 6 72 12 8 39 19 2 51 7 6 23 o 9 24 3 5 14 16 2 11 15 8 23 19 4 15 o 10 n 6 n 012 o 18 II o 12 9 3 13 4 0 5 4 o 17 6 2 14 o 4 4 4 0 16 6 032 800 1 5 4 090 I 2 8 504 460 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 89 90 5 '8 I j 1 9 10 o 18 8 048 39 4 4 7 9 4 o 2 10 1 5 8 3 7 4 17 10 2 17 16 2 1 7 4 098 o 10 8 082 516 8 o 10 o 1 272' 1 1 1,000 £85,015 5 0 £1,773 10 8 £72,803-279 132 3 3 Totals 11,902 £3,370,563 £593,479 13

H.—Bd.

FIFTH SCHEDULE.

Appendix No. 3. ASSURANCES FOR THE WHOLE TERM OF LIFE BY LIMITED AND SINGLE PREMIUMS. In force at 31st December, 1908.

21

Age attained. Amount assured. Bonus Additions. » S Office Annual Premiums. Ordinary. I Extra. Net Premiums. Yearly Permanent Beduction of Premium. v ro 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 87 2 3 2 3 7 6 8 5 8 7 ii 16 8 13 7 11 9 9 13 10 6 11 12 10 19 23 13 14 12 16 £ ■■ d. 950 o o 450 o o 400 o o 700 o o 2,OOO O O 2,200 O O 3,500 O O 2,000 O O 2,400 O O 2,4OO O O 2,433 o ° 6,082 O o 1,716 o o 4,93i o Oj 2,541 0 0 | 4,808 o o 2,201 o o 4.713 o o 3,2.37 o o 4,167 o o 1,516 o o 4,547 o o 4,164 o o 1,486 o o; 7,284 o o 8,833 o o 4,212 o o 5,955 o o 6,663 o o 8,096 o o 7,747 o o 11,654 o o 10,372 o o 9,138 o o 11,776 o o 11,028 o o 13,976 o o 8,177 !7 ° 18,796 o o 13,568 o o 9,456 0 o 10,974 3 5 8,989 o o 7,120 o o 7,863 o o 6,170 o o 3,720 o o 1,854 o o 3,051 o o 2,712 o o 1,878 o 0 4,151 0 o 500 o o 1,607 o o 2,500 O O 400 o o 500 o o £ s - d. 72 4 o 40 6 o 28 4 o 61 o o 248 3 o 408 I o 394 1 o 206 14 o 445 10 o 476 13 o 404 15 o 1,469 19 o 210 14 0 879 19 O 541 15 o 1,158 17 o 570 3 o 1,106 10 o 682 14 o 854 10 o 357 I 2 o 537 11 o 1.259 19 o 581 9 o 1,736 14 o 2,098 4 o 1,211 6 o 1,999 17 o 2,128 4 o 3.255 17 o 2,578 12 O 4,128 13 0 3,809 6 o 3,007 16 o 5,035 6 o 4,105 7 o 5,307 16 o 3,650 17 o 6,633 9 o 5,674 4 o 3,618 4 o 4,040 4 o 3,320 17 o 3,066 19 o 2,534 2 o 1,443 3 o j , 4 18 18 o 670 17 o 1,273 11 o 906 4 o 682 13 o 942 18 o 245 10 o 356 14 o I,i57 3 0 1909 191c 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1922 1923 1924 1925 1926 1927 1929 1934 1937 1939 n 11 6 14 J2 16 7 7 8 6 5 I 49-8 46-4 48-5 42-1 44-8 44-1 44-4 40-0 45'4 38-3 38-4 37° 47-0 41-0 33'2 39'5 40-0 41-0 41-5 44-0 31-0 29-0 242 18 o 152 8 3 96 2 1 124 12 6 139 o o 174 16 7 81 19 11 70 8 10 67 12 4 91 19 o 41 8 6 288 26 11 4 10 13 9 36 9 1 17 5 o 27 4 4 22 14 10 23 9 8 2 12 8 3 18 4 3 14 8 £ s. d. £ s. d. 12 0 7 i6 8 0 12 6 207-870 126-578 82-601 101-458 117-872 145-808 68-878 57-125 57-306 75-77I 33'93i 1-966 22-200 8-707 29119 I3 - 647 21-934 18-428 19-563 2170 3028 2-846 £ s. d. i ig ii 2 23 27 17 21 22 2 5 2 o io 4 24 35 22 4 3 2 1 1 1 34 37 23 25 19 20 17 10 9 7 8 8 6 6 1 4 2 2 1 245 3 o Totals 724 £296,263 o 5 £95,281 11 o 127 43-2 £1,460 8 4 £10 1 6 £1,218-806 £1 19 II

H.—Bd.

FIFTH SCHEDULE.

Appendix No. 4. ENDOWMENT ASSURANCES (MATURING AT AGE 80) In force at 31st December, 1908.

22

Age attained. Number of Policies. Amount assured. I Bonus Additions. Office Annual Premiums. Net Premiums. Yearly Permanent Reduction of Premium. Age attained. Ordinary. Extra. 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 . 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 1 3 5 15 20 12 18 18 38 37 55 57 60 77 74 91 IOI IOO 122 134 "5 133 IOI 123 132 130 106 137 IOO 122 IO7 IO4 71 76 68 52 50 57 32 43 31 36 31 19 9 3° 17 7 4 11 8 £ 200 800 1,250 4,900 5.3oo 2,900 4,600 5,050 9,45o 10,100 18,400 16,350 17,100 25,100 i7,95o 28,050 28,200 31,250 32,700 38,400 29,900 34,900 26,650 39,650 36,350 35,100 32,868 47,200 27,750 34.350 30,597 30, 000 23.250 18,300 17,967 13,608 12,450 16,770 7,876 9.883 12,781 7,400 6,850 5,900 2,700 7,150 7,529 2,150 1,900 3,5oo 4,50o IOO 1 1OOO 1,650 200 £ >■ 6 19 18 i ii 17 31 7 33 10 96 10 84 14 197 4 204 3 204 o 251 7 251 4 334 o 461 19 427 14 660 3 7" 7 478 o 719 7 513 5 835 12 759 19 75i 9 719 16 929 2 486 o 718 6 704 3 890 17 567 13 430 o 585 6 305 14 295 15 440 5 157 10 211 IO 159 2 239 4 188 18 205 16 95 19 231 13 46 1 22 10 35 18 161 4 M 6 9 o 14 3° 12 20 17 IO 2 £ s- d. 360 13 9 9 20 10 9 81 3 3 91 6 8 51 17 1 82 4 10 92 15 7 174 12 o 194 3 6 355 13 3 321 4 5 344 18 2 521 11 9 380 19 7 613 16 11 618 12 3 709 o 9 745 o 3 906 1 9 729 17 1 859 14 o 680 19 5 1,033 16 11 980 18 11 971 6 10 939 16 11 1,385 7 11 849 16 5 1,078 18 6 987 7 11 97i 1 4 800 15 2 656 1 11 638 5 6 534 13 9 492 3 10 686 11 7 34i 17 1 45i 12 3 617 4 5 352 3 1 354 4 9 296 10 6 139 5 5 394 IO 6 508 7 4 149 12 6 130 18 o 225 o 2 306 19 8 8 18 8 81 6 3 156 3 4 16 9 o £ s. d. 090 4 9 7 2 9 5 6 'g 6 3 9 5 5 9 6 2 9 7 300 5 18 8 1 10 o 2 7 11 400 11 3 I 1 4 4 1 8 13 9 17 14 8 4 5 1 9 13 3 14 8 6 1.2 5 10 15 1 6 11 16 o 11 14 6 2 18 2 7 16 10 5 16 2 3 6 10 5 7 3 2 13 o 3 15 10 098 £ „ 2-378 9722 14-680 59-475 66-157 37-437 60-024 68-007 129-964 144-144 265-926 241-178 259-817 395-358 288-464 471-687 472-921 550-536 575-291 704-344 571-944 674-487 535-198 813-051 774-821 771-380 752-521 1,115-058 686-610 871-414 802-053 787-416 650-992 537-479 523-558 438-765 407-533 570-480 283-764 376-023 522-281 294-469 297-749 248-234 119-095 334-230 436-135 127-176 114-884 190-924 270-178 7-574 70-997 136-096 14-258 £ s. d. 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 2 14 11 6 15 8 5 15 10 3 n 10 11 4 10 0 13 10 1 8 3 1 4 4 1 1 17 8 Totals 3,110 £888,779 £17,080 7 .£26,131 5 4 .£229 10 3 .£20,946-337

23

H.—Bd

FIFTH SCHEDULE.

Appendix No. 5. ENDOWMENT ASSURANCES (ORDINARY) In force at 31st December, 1908.

Office Annual Premiums. Yearly Permanent Reduction of Premium. Year of Maturity. Number of Policies. Valuation Age. Amount assured. Bonus Additions. Net Premiums. Year of Maturity. Ordinary. Extra. I909 19IO igil 1912 1913 1914 1915 1916 1917 1918 1919 I920 1921 1922 1923 1924 1925 1926 1927 1928 I929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 194I 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1967 393 437 408 592 576 652 670 638 692 782 857 852 889 936 1,075 996 1,094 1,018 1,120 i,i74 953 1,034 846 880 800 54i 515 408 438 346 169 173 116 55-i 52-7 52-0 5i-5 50-2 48-3 47-8 46-2 45-0 44-1 42-5 41-7 41-4 39-8 39'i 38-5 36-9 36-3 35-2 34'9 33'6 32-4 314 31-2 30-6 30-1 29-8 28-9 280 28-0 27-9 28-1 26-6 26-5 265 26-8 23-2 23-2 22-1 26-3 I9'7 21-5 21-4 25-2 20-0 26-0 18-0 2IO £ 88,397 92,554 83,506 128,324 114,565 127,107 133,369 128,007 137,625 155,387 165,824 159,950 169,850 176,235 206,257 185,400 198,400 188,653 213,645 228,800 179,775 193,525 162,725 175,250 I57,7i6 107,985 108,545 79,O50 90,425 77,500 35,75o 39,275 25,250 22,000 18,750 7,350 8,750 7,950 3,850 5,650 550 2,000 £ s - 16,431 19 16,386 15 14,424 !4 21,962 II i8,375 4 18,886 5 18,414 12 16,929 12 17,271 8 17,162 2 17,391 9 15,806 9 M.949 3 13.562 5 15.150 19 13, 026 4 11,777 1 9.9i6 3 9,597 5 10,236 8 8,288 5 7,482 4 4.472 o 4,099 19 3.015 13 2,893 16 2,271 4 1,085 3 1,050 2 782 19 355 16 432 14 175 9 166 17 100 19 40 12 25 18 49 16 16 9 8 o £ s. d. 3,778 5 8 3,720 13 8 3,462 4 5 5,012 8 4 4,347 11 10 5,109 14 o 5,293 18 6 5,050 4 7 5,4 r 7 19 5 6,168 13 4 6,293 o 11 6,064 7 o 6,5" 3 7 6,711 4 11 7,59o 17 o 6,630 18 2 7,187 4 4 6,798 6 3 7,686 4 1 8,015 17 10 5,822 5 7 6,286 14 9 5,346 17 10 5,730 3 10 5,152 9 2 3,191 13 6 3,205 14 6 2,314 15 1 2,618 19 9 2,226 15 o 979 4 7 1,041 5 2 660 9 8 564 1 o 479 o 6 182 10 5 209 3 4 186 13 o 88 1 11 134 1 8 12 9 10 44 1 2 29 1 10 25 10 8 8 18 4 462 8 13 10 3 4 0 £ s. d. 22 5 2 24 11 8 17 13 6 26 12 9 27 3 10 20 18 o 40 17 o 28 16 7 12 13 9 1208 16 1 8 21 12 o 30 11 5 24 19 7 25 18 10 11 15 4 22 6 4 17 18 8 15 15 7 31 19 1 28 12 8 13 11 5 14 J 9 4 14 10 1 16 16 6 16 9 o 5 17 o 2 16 6 2 17 o 5 5 0 2 18 IO I 15 4 £ 3,347-626 3,283-885 3,018-451 4,373-393 3,798-720 4,438-921 4,591-716 4,328-725 4.649-433 5.284-587 5.375-H2 5.134-283 5,495-6i5 5,665-221 6,381-614 5,567-054 5,955-649 5,635-986 6,352-661 6,625314 4,78o-993 5,105-341 4,335-89o 4,637-536 4,171-972 2,558-115 2,555-o97 1,839-269 2,077-580 1,765-356 768-120 814959 5ii-754 436-280 370-012 140-538 159-925 140-606 66-646 101-710 9-207 32-608 21-789 19-012 6-395 3-386 6-405 2-224 £ s. d. 5 18 4 2 15 2 9 7 10 3 9 10 10 9 o 8 1 6 7 15 5 4 19 8 2 13 4 3 14 o 111 0 12 9 2 14 o 1 15 IO O 12 O 0 5 8 0 2 8 I20 1909 I9IO I9II 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 I926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 I948 1949 1950 1951 1952 1953 1954 1955 I967 99 80 29 35 33 21 278 2 17 IO 2 4 IO 23 3 11 9 6 I 1 1,400 1,200 500 200 450 200 o 15 5 1 4 10 15 o 2 "'8 1 I Single and Lmtd. Pr'ms. 23,424 I76 4,595,426 50,43! 344.505 10 2,207 12 163,408 3 11 1,131 14 1 586 10 5 11 11 8 136,742-691 905'330 67 IO I Single and Lmtd Pr'ms. Totals • • 23,600 £4,645,857 £346,713 2 £164.539 18 0 £598 2 1 £137,648'021 £67 10 1 T * Lidstone's rneai valuation age for sums assured.

H.—Bd.

FIFTH SCHEDULE.

Appendix No. 6. DOUBLE-ENDOWMENT ASSURANCES. In force at 31st December, 1908.

Appendix No. 7. NON-PROFIT SECTION (TRANSFERRED FROM TEMPERANCE SECTION). In force at 31st December, 1908.

24

Year of Maturity. 1 Number of Policies. Valuation Age.* Amount . assured. Additions. Bonus Office Annual Premiums. Ordinary. Extra. Net Promiums. Year of Maturity. £ 1,400 3,500 5,000 3,200 2,8oO £ s. 46 14 i54 16 217 14 109 7 90 16 127 18 500 4 738 15 283 16 290 13 311 10 966 8 1,569 14 587 17 847 o 623 1 903 1 887 13 564 o I,036 13 907 7 1,027 J 5 424 5 312 11 568 11 611 14 247 6 23 15 59 3 68 5 94 11 93 8 £ s. d. 122 14 5 211 18 o 271 13 3 205 5 3 170 13 8 265 8 5 534 13 o 1,000 12 9 524 7 11 633 17 6 510 15 o 810 10 2 1,610 18 11 965 2 2 1,559 7 8 1,206 14 10 1,628 8 7 1,610 18 o 2,266 4 9 3,000 17 3 2,025 8 8 2,454 5 10 2,539 3 3 2,944 12 11 4,119 411 1,243 o 9 i,35i 13 5 1,464 10 9 2,302 5 6 2,276 17 1 229 18 1 561 14 3 754 9 11 i,339 15 5 1,927 5 11 £ s. d. £ 114-800 194-925 251-250 186-200 I56-575 243325 487-550 916-600 472-625 575-000 465-975 721-475 i,435450 858-850 i,387-450 1,071-225 1,427-650 1,411-528 1,981-250 2,599H'3 1,742-700 2, IO4275 2,177-075 2,507-550 3,504-450 I ,041-150 I , II9'800 I,2I2350 I , 899 60O I ,879-400 182-900 444-850 590-550 1,049350 1,514350 1909 19IO igil 1912 1913 I9H 1915 I916 I9I7 I918 1919 I92O 1921 1922 1923 1924 1925 I926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 I94O 1941 1942 1943 6 16 19 12 13 12 52 78 37 49 55 104 185 99 153 143 176 191 242 37° 284 332 353 417 59i 212 40-9 53-o 54-0 50-5 47-i 45'i 46-5 46-1 '43'° 44'5 42-6 4i-4 41-2 392 38-9 36-0 390 38-4 35-2 33-0 3 2 '6 32-9 311 294 27-8 28-5 -27-7 270 266 4,400 II,700 21,200 10,400 12,5OO I 2,OOO 24,IOO 46,IOO 25,200 41,4°° 34,500 48,OOO 49,200 64,800 92,250 71,000 88,200 89,300 102,200 146,200 53,900 57,000 61,600 97, 000 96,300 11,Soo 28,700 38,100 67,700 97,7°o o 8 10 1909 I9I0 igil 1912 1913 1914 1915 I916 1917 I9l8 1919 I920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 I94O I94I 1942 1943 1 5 8 219 242 379 368 42 118 161 287 39i 259 27-3 259 246 22-8 222 6,408 12 1,620,350 1,220 15,296 1 76 11 46,645 8 2 1 14 6 39,929-466 Paid-up Policies— Totals .. £1,621,570 9 £15,372 12 £46,645 8 2 £1 14 (i £39,929*466 6,420 * Lidstoi ne's mean valuatioi age for sums assured.

Age attained. Number of Policies. Amount assured. Bonus Additions (allotted previous to transfer). Officf. Annual Premiums. Ordinary. Extra. Net Premiums. Age attained. ASSURAN :bs for the whole Term of Life, with Whole-life Premiums. 34 52 63 64 65 £ £ ', d. I £ s. d. 200 .. 348 .. 2 300 .. 6 14 6 .. 5 200 4180 584 .. 4 200 35130 688 .. 5 150 .. 4 4 4 •■ 3 £ 200 300 200 £ 2-416 5-469 4-912 5526 3-818 34 52 63 64 65 200 150 Totals 5 £1,050 £40 11 I) £26 11 Ii £22141 Endowment Assurances. 38 1 200 11 17 o j 5 17 o I 4,868 38

25

H.—Bd.

Appendix No. 8. Table showing the Minimum Surrender Value of Policies for £100.

Price 9 _

F/FTH SCHEDULE.

Approximate Cost of Papw.-Preparation, not given; printing (2,500 copies), £25 13s. 6d.)

By Authority : John Mackay, Government Printer, \Vellington.—l9o9.

Whole Life Assurance by Equal Annual Premiums . , , , . Assurances payable for the • or. „ ,.,. , _ , . ., in Fifteen Years, or at Whole Term of Life. . _ ' previous Death. Endowment Assurances payable in Twenty-five Years, or at previous Death. Endowment Assurances payable in Thirty-five Years, or at previous Death. True Age at Entry. MINIMUM SURRENDER VALUES AT THE END OF 5 Years. 10 Years. 15 Years. 25 Years. 35 Years. 5 Years. I 14 Years. 5 Years. 10 Years. 20 Years. 24 Years. 5 Years. 10 Years. 20 Years. | 30 Years. 34 Years. £ s. d. ' £ s. d. £ s. d. £ s. d. £ s. d. £ s. d. £ s. d. £ s. a. £ s. d. £ s. d. £ s. a. £ s. a. £ s. d. £ a. d. £ s. d. £ s. a. 15 3 10 2 16 0 6 8 0 6 19 0 10 2 0 11 4 0 18 18 0 21 15 0 30 7 0 34 17 0 25 0 0 89 5 0 11 8 0 11 8 0 26 10 0 26 10 0 67 5 0 67 5 0 90 2 0 90 2 0 6 11 0 6 11 0 15 8 0 15 8 0 37 8 0 37 8 0 72 1 0 71 6 0 91 3 0 90 12 0 20 25 0 0 1 89 5 0 I 25 3 10 0 8 7 0 13 8 0 25 15 0 40 7 0 25 0 0 89 5 0 11 8 0 26 10 0 67 5 0 90 2 0 6 11 0 15 8 0 37 8 0 70 14 0 89 18 0 30 4 2 0 9 18 0 16 1 0 30 4 0 45 19 0 25 0 0 89 5 0 11 8 0 26 10 0 67 5 0 90 2 0 6 11 0 15 8 0 37 8 0 70 0 0 89 3 0 35 4 19 0 12 0 0 19 3 0 35 5 0 51 17 ■ 0 25 0 0 89 5 0 24 6 0 88 7 0 11 8 0 26 10 0 67 5 0 90 2 0 6 11 0 15 8 0 37 8 0 69 6 0 88 6 0 40 6 2 0 14 10 0 22 17 0 40 10 0 57 9 0 11 4 0 26 6 0 65 14 0 88 12 0 7 4 0 16 19 0 38 15 0 68 12 0 87 8 0 45 7 7 0 17 5 0 26 17 0 i 45 19 0 62 4 0 23 16 0 87 14 0 11 5 0 26 8 0 64 15 0 87 15 0 50 8 17 0 20 9 0 31 0 0 51 4 0 65 14 0 23 5 0 87 0 0 11 10 0 26 17 0 63 11 0 86 13 0 1 55 10 10 0 23 14 0 35 10 0 55 12 0 69 16 0 22 12 0 86 1 0 12 2 0 27 12 0 62 9 0 85 9 0 60 12 3 0 27 5 0 39 16 0 58 10 0 77 17 0 21 12 0 84 15 0 NOTE.— In addition to the above Values the full H M - 4i per cent. Cash Value of all existing ordinary Bonuses is granted.