GOVERNMENT INSURANCE DEPARTMENT.

Appendix to the Journals of the House of Representatives, 1900 Session I, H-08a

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1900. NEW ZEALAND.

GOVERNMENT INSURANCE DEPARTMENT.

STATEMENTS IN CONNECTION WITH THE VALUATION OF LIABILITIES (FOURTH AND FIFTH SCHEDULES) FOB THE TRIENNIUM ENDING 31st DECEMBEK, 1899

Presented to both Houses of the General Assembly pursuant to Section 44 of " The Government Insurance and Annuities Act, 1874."

WELLINGTON.

1900.

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REPORT BY THE ACTUARY RESPECTING THE VALUATION OE THE LIABILITIES TJNDEE LIFE POLICIES AND ANNUITIES OF THE NEW ZEALAND dMOTmettt JttMratta J^prtment, ■-•■-'• In terms of Section 42 of " The Government Insurance and Annuities Act., 1874." (See Fourth Schedule.)

I. The date up to which the valuation was made was the 31st December, 1899. 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 3i 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, and allowance has been made for the actual incidence of the premium income. Reserves have been made for Children's Endowments, Investments, and Deferred Annuities equivalent to the premiums paid accumulated at 4 per cent. Annuities have been valued by the English Government Annuitants Mortality Experience (1884), with 3i per cent, interest, and a further reserve has been made for annuities granted since 20th May, 1896,

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at increased rates, making the reserve for these equal to English Government Experience (1884), with 3 per cent, interest. In the case of annuityassurances the value at age 60 of the annuity has been computed by the 1884 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 3| per cent, interest. All policies have been valued separately in duplicate, and also in groups where practicable. The surplus has been allotted among the policyholders in the manner described in the next section. (2.) Principles of Distribution of Surplus. —The divisible surplus has been allotted among the policyholders by ascertaining the profits arising from the excess of interest realised over the valuation rate of 3-J per cent, and dividing that portion of the surplus exclusively among those participating policies which were in force at the last valuation and which remained in force at the present valuation, in proportion to their H M 3i per cent, reserves at the 31st December, 1896. The remaining surplus has been divided among all the participating policies in proportion to the loadings on the premiums paid on each policy during the triennium, —policies secured by a limited number of premiums being treated as though the premiums had been spread over the whole term of the policy. 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 general and temperance policies which are alike in ali other respects receive equal reversionary bonuses on this occasion. The divisible surplus has been converted into reversionary bonuses by means of the H M Table of Mortality with per cent, interest, the reversion for a continuous assurance having been used for whole-life policies. In all cases of rated-up lives such lives have been treated for bonus purposes as though they had been of the higher age. 111. The Tables of Mortality used in the Valuation were, — (1.) For Assurances, the Institute of Actuaries H M (Healthy Males) Table ; (2.) For Annuities, Finlaison's 1884 Government Annuitants Tables. No Table of Mortality was used in the valuation of pure endowments. IV. The rate of interest assumed throughout the valuation was 3i per cent. V. The whole of the loading, or the difference between the premiums payable to the office and the net premiums, amounting to .£38,18.2 per annum and valued at £508,687, 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 £9,516 has been made to provide for expenses and profits when the premiums shall have ceased.

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VI. The Consolidated Revenue Account for the three years that have elapsed since the last valuation is given on page 7. 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 pages 8 and 9. 2. The net liabilities and assets of the Department, with the amount of surplus, are shown in the Valuation Balance-sheet given on page 7. * . VITL 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 will not acquire a cash value for surrender purposes until the policies to which they belong shall 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, 1899. was £164,013. Of this amount, £7,478 has been paid as interim bonuses during the triennium, and £29,935 has been absorbed in the transition from a 4 per cent, to a 3| per cent, basis of valuation, in addition to the special reserve of £81,000 set aside for this purpose at last valuation. (2.) The amount of profit divided among the policyholders as at the 31st December, 1899, was £126,600, which has been converted into reversionary bonuses amounting to £220,795. The number of policies which participated was 38,666, assuring the sum of £9,513,005, or, including reversionary additions. £10,296,499. (3.) The following are specimens of the bonuses which have been allotted, for the three years ending the 31st December, 1899, to ordinary whole-life policies upon which all previously allotted bonuses had been allowed to remain : —

The irregularities in the preceding table are partly the result of increases in the current rates of premium made in 1877 and 1885, and partly in consequence of the table showing the results for five-year intervals only, whereas the bonuses are allotted triennially. In addition

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Number of AGE AT ENTRY, 20. AGE AT ENTRY, AGE AT 4i ENTRY," AGE AT ENTRY, 30. 3. 50. Number of Years in j Force. deal's in Force. Reversionary Bonus. Cash Value. Reversionary] Bonus. Cash Value. Keversionar Bonus. Cash Value. leversiorfaryi Cash Bonus. Value. I 5 10 15 20 25 30 £ s. 4. £ s. d. 2 14 O ! t> 12 IO J 3 O O I O l6 O I 3 6 o 1 o i 390 137 2 l8 O 12 9 J 3 4 o 183 £ s. d. £ s. d. 2 g o o 14 ii 2 14 o , o 18 5 2 7 o : o 18 5 2 14 o ' 1 3 10 3 2 o I 1 11 o 3 [2 o J 2 o 10 £ •■ d2 2 o 2 10 O 27O 2 16 0 £ *■ d0 16 5 121 1 3 6 III 9 1 19 8 2 9 10 £ s. d. J £ s. d. 2 1 o j 1 o 6 2 13 o j 10 o 270 197 2 19 o j 2 o 10 2 ig o 1 2 4 6 3 7 ° ! 2 13 11 5 10 15 20 25 3° 3 3° 3 12 O I

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to the foregoing statutory table, the following one is given containing the results for three-yearly intervals of duration: —

The cash values of the reversionary bonuses are computed by the H K Table of Mortality, with interest at 4| per cent. MORRIS FOX, Actuary.

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I AGE AT ENTRY. AGE AT ENTRY. AGE AT ENTRY, AGE AT ENTRY. Number; 20. 30. 40. 50. Number of of Years in Yearain Force. Reversionary Cash Reversionary Cash Reversionary Gash ReversioDary Cash Force. Bonus. Value. Bonus. Value. Bonus. Value. Bonus. Value. i885 PREMIUM RATES. I I , s. d. / s. d. £ s. d. £ s. d. £ s. d. ; £ s. d. £ s. d. ! / s... d. 3 2 16 o o 12 io 260 0 13 3 2 o o o -14 10 i 19 o o 18 8 3 6 2 ig o o 14 6 280 o (5 o 2 1 o I o 16 5 240 127 6 9 3 1 o j- o 16 o 2 io o I o 16 S 270104 2 11 o I i 8 i 9 12 3 3 o • o 17 10 2 16 p J 1 o 4 2 15 o 158 2 17 o ! 1 13 g 12 ! I I |_ ! J 1877 PREMIUM RATES. 15 360:101 2 7 o o 18 5 270 136 270 197; 15 18 3 12 o [ 1 3 5 2 12 o j 1 1 11 2 14 o 190 2 16 o 1 17 4 18 21 3 12 O I 5 2 2 16 O j I 5 5 j 2 l8 O I 13 7 3 I O J 2 3 O 21 1870 PREMIUM RATES. I 24 i 2 15 o 1 o 10 300 193 310 i 17 7 2 17 o j 2 2 3 24 27 , 3 o o 149 3 6 o . 1 14 8 370 2 3 10 3-20281 27 . 3° ' 3 4 o 183 3 1-2 o ' 2 o 10 3 12 o 2 9 10 3 7 o j 2 13 11 30 i . . __, '__ |_

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CONSOLIDATED REVENUE ACCOUNT OF THE GOVERNMENT INSURANCE DEPARTMENT, Fob the Period commencing 1st Januaby, 1897, and ending 31st Decembee, 1899. £ s. d. £ s. d. £ s. d. Amount of Funds on 1st January, 1897 .. 2,591,342 5 1 Death Claims under Policies, Renewal Premiums .. .. 741,290 10 8 Assurances, including Bonus New Premiums .. .. .. .. 63,593 2 9 Additions .. .. 297,119 0 2 Single Premiums .. .. .. 3,937 7 8 Endowment Assurances maConsideration for Annuities granted .. 27,915 12 0 tured, including Bonus AddiInterest.. .. .. .. 393,077 10 1 tions .. .. .. 178,793 11 0 Fees .. .. .. .. .. 24 4 0 Endowments matured .. 3,468 10 2 Premiums returned on Endowments .. .. .. 68 6 9 Bonuses surrendered for Cash.. 20,373 7 7 Annuities .. .. .. 32,245 1 6 Surrenders .. .. .. 63,752 10 4 Loans released by Surrender .. 31,001 7 7 626,821 15 1 Commission, New .. .. 38,332 18 4 Renewal .. 5,520 17 7 43,853 15 11 'Land-and Income-tax .. .. 26,049 19 7 Expenses of Management— Salaries, Head Office .. 33,888 16 0 Branch Offices and Agents.. .. 18,692 5 0 Extra Clerical Assistance .. 4,677 13 3 Medical Fees .. .. 14,922 17 1 Travelling Expenses .. 2,585 7 0 . Advertising .. .. 2,607 19 11 Printing and Stationery .. 3,367 19 0 Rent .. .. .. 6,908 15 5 Postage .. .. 4,995 13 10 Telegrams .. .. 1,711 13 8 Exchange .. .. 236 7 8 Office Furniture Depreciation 1,092 19 0 General Expenses .. .. 6,857 18 7 Triennial Expenses .. 4,593 13 3 Compensation for loss of Office .. .. .. 584 2 8 I — 107,724 1 4 Investment Reserve Fund .. .. 19,050 0 0 Amount of Funds on 31st December, 1899 .. .. .. .. 2,997,681 0 4 £3,821,180 12 3 £3,821,180 12 3 VALUATION BALANCE-SHEET OP THE GOVERNMENT INSURANCE DEPARTMENT, As at 31st December, 1899.

Dr. £ s - d - Cr. £ s. d. To Net value of Liabilities (as per By Accumulated Funds (as per ConValuation Summary) .'. .. 2,871,081 o o solidated Revenue Account) .. 2,997,681 o 4 To Surplus .. •• .. 126,600 0 4 £2,997,681 04 '•'. 1 0^4

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FOURTH SUMMARY AND VALUATION OF THE POLICIES OF THE As at 31st

PARTICULARS OF POLICIES FOR VALUATION. DESCRIPTION OP TRANSACTIONS Office Ykaklt I'KKMTOMB. Nu ruber of Policies. Sums assured and Bonuses. Annuities. Ordinary. Extra (not valued). ASSURANCES. I. With Participation in Profits. £ s. d. £ s - d - £ s - <*• £ s. >*• Whole-life Assurances: Uniform Premiums .. Whole-life Assurances: Limited, Single, and Commuted Premiums 0 Endowment Assurances Double-endowment Assurances Joint-life Assurances Survivorship Assurances Annuity Assurances: Temporary Assurance, with Deferred Annuity Annuity Assurances: Whole-life Assurance, with Deferred Annuity Reserve for Extra Premiums 17.348 899 5,405,466 5 o 471,393 12 2 128,058 12 1 3,696 o o 3,022 6 9 36 1 1 18,740 1,418 11 4,017,580 6 o 362,745 12 o 5,988 9 o 597 5 o 18,610 8 o 134,229 6 4 11,009 IO 3 245 10 11 16 10 o 922 6 o 745 6 7 220 4 3 8 2 10 o 1 136 6,413 17 6 "3 14,117 5 o 5,591 6 9 793 2 8 Additional Reserve of Loading Total Assurances with Profits .. 38,666 |10,296,499 2 2 12,005 4 3 278,970 18 3 3,812 10 1 II. Without Participation in Profits. Whole-life Assurances (transferred from Temperance to Non-profit) Industrial Assurances Temporary Assurances Reserve for Extra Premiums 7 13 3 1,591 18 o 254 2 o 850 o o 39 13 4 6 10 o 12 5 5 20 15 10 Total Assurances without Profits 23 2,696 0 0 58 8 9 20 15 10 Total Aeeuranoea ! 38,689 10,299,195 2 2 12,005 4 3 279,029 7 0 3,833 5 11 ENDOWMENTS. Without Participation in Profits. Endowments with Return of Premiums Investments 33° 80 39.759 o o 2,747 8 8 i,474 i8 2 loo 18 o Total Endowments 410 42,506 8 8 1,575 16 2 ANNUITIES. Without Participation in Profits. 257 1 Immediate Reversionary .. .. Deferred Additional Reserve for Annuities 9 11,284 3 4 300 o o 220 17 O 79 o 8 Total Annuities 267 11,805 0 4 79 0 8 Total o* tl»€> I Policies Results \ Annuities 39,0991 267 f 10.311,701 10 10 23,810 4 7 280,684 3 10 3,838 5 11

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SCHEDULE. NEW ZEALAND GOVERNMENT LIFE INSURANCE DEPARTMENT, December, 1899.

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VAT TTATTOTJ • i Assurances by the Institute of P, VALiUAliUIH . 1 Immediate Annuities by Eaglisl .ctuanes H m Table; i Government Annui \ Interest, itants' (18S4) Tables; ) 3J per cent. Net Yearly Premiums. Reduction oi Premiums. Sums Assured and Bonuses. Annuities. Office Yearly Premiums. Net Yearly Premiums. Reduction of Premiums NET LIABILITY. £ £ s - d - £ £ £ £ £ £ HO,242'O 3,162-4 146 3 2 3 14 7 2,755,337 276,879 1.737.445 24,784 1,472,870 20,812 1,693 33 1,284,160 256,100 "5,6747 9,874-6 2O6'O 137 861'o 108 17 3 2,441,434 158,778 3,598 124 3,582 1,499,622 148,528 2,661 51 15,574 1,277,528 132,535 2,209 42 14,599 901 1,164,807 26,243 i»3 8 9 82 2,680 13.697 760-4 4,645 10,841 13,688 13,161 2,325 953 953 Deduct 2,933,756 9,516 Add 2,738,739 9,516 240,794-8 258 15 0 I 5,645,330 24,538 3,442,353 2,924,240 2,627 2,748,255 338 483 773 573 290 75 7 16 75 16 33-8 871 573 483 388 240,82<V6 258 15 0 5,646,201 24,538 3,442,926 2,924,723 2,627 2,748,643 i3,M3 2,205 13,143 2,205 15,348 15,348 103,035 1,298 1,660 1,097 IO3,°35 1,298 I,66o 1,097 107,090 107,090 240,828 - 6 258 15 0 5,661,549 131,628 3,442,926 2,924.723 2,627 2,871,081

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H IE I> G X T BY THE fetnfrmtfttti Kt(swanq €oimj{mioi|et;> i In terms of Section 43 of "The Government Insurance and Annuities Act, 1874." (See sth Schedule.) STATEMENT OF THE LIFE ASSURANCE ANJ) ANNUITY BUSINESS OF THE GOVERNMENT INSURANCE DEPARTMENT ON THE 81« DECEMBER, 1899.

Question 1. —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. I. 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 Nos. 3, 4, 5, and 6.

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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 5. —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:—

°c» U CD a-3 ! Annual Premiums. Sums assured. Beversionary Bonuses. T, it a; irdinar 1 Class of Assurance. Premiums Eeceived. Ordinary. Extra. With Profits. £ s. d. £ s. d. £ s. d. £ s. d. £ s. d. Endowment Assurances 18,740 j 3.799,564 15 o 218,015 JI o 134,229 6 4 745 6 7 1,095,848 16 7 Double Endowment Assurances 0 1,418 361,626 o o 1,119 I2 ° 11,009 IO 3 220 29,789 17 n Joint Assurances 11 i 5,800 o o 188 9 o 245 10 11 4 3 8 2,394 2 8 Survivorship Assurance 1 500 o o 97 5 0 16 10 o 2 10 o 198 o o Annuity Assurances 249 32.450 ° °* 277 13 o 1,715 8 8f 5,005 O 2f Without Profits. 80 2,747 8 8 too 18 o 1.57 8 5 5 Investments 80 Endowments': With return 33° 39,759 o o 33° 1,474 l8 2 10,817 6 6 » Industrial Assurances 13 254 2 o 13 6 10 o in 12 6 Temporary Assurances 3 850 o o 12 5 5 20 15 IO 47 7 6 Totals .. .. 20,845 £4,243,551 5 8 £219,698 10 0 £148,810 17 9 £774 18 1 £1,145,790 9 3 * And deferred annuities for 4s. 3d. t These amounts are also given under " Defe :rred Annuities' in answer to Q lestion 8. Question 7. —The total amount of immediate a: nnuities on lives, distingi dshing the amounts for each year of life.

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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.

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Amount of Annuities. . IIM'/HIIL 111 1 M1MMII l> -^> Age attained. , Female. Male. £ s. d. ' £ s. d. 25 :. .. 25 16 8 28 .. .. 25 16 8 42 .. .. .. 12 o o 43 . . . . 27 II 8 44 . . . . 32 o o 45 ■ ■ ■■ ■■ 74 7 2 47 . . .. I 50 o 10 48 .. .. I roo 00 100 4 o 49 . . .. I 1228 300 o o 50 . .. .. 6 14 2 52 .. .. .. 14 13 4 53 ■ ■ •■ 113 4 ° 55 ° ° 54 ■ • • • ! 139 10 4 74 8 4 55 ■■ ■■ 176 5 4 135 8 4 56 .. .. 114 13 o 47 o o 57 • • • • ■ • 354 10 2 58 . . .. I 108 18 o 182 17 o 59 .. ..I 183 1 8 521 6 11 60 .. . :i 89 16 8 265 16 2 61 .. .. 86 19 10 193 1 8 62 .. .. j 109 17 o 70 o o 63 .. .. I a 13 8 212 6 o 64 .. .. j 13 3 8 161 12 3 65 .. .. .. 318 6 2 66 . . .. I 27 19 o 478 12 2 67 .. .. 14 17 10 120 2 7 68 . . . . 52 o o 572 7 7 69 . . .. ! 81 16 1 432 II 10 70 . . . . 9 14 514 6 10 71 . . . . .. 282 12 8 72 . . .. 175 o o 663 14 o 73 .. .. 96 7 10 278 2 6 74 .. . . 100 70 61 16 6 75 .. .. ! 63 12 o 574 3 4 ' 76 .. . . ! 353 12 6 158 14 8 77 .. .. 41 10 10 159 18 2 78 .. .. 77 1 1 35 o o 79 .. .. .. 78 14 8 80 .. .. .. 55 18 8 82 .. .. .. 18 16 o 83 .. .. .. 52 5 o 84 . . . . . . 64 O O 85 . . .. .. 49 8 o 88 .. .. 26 o o 89 .. .. 100 00 95 ■ • • ■ ■ ■ H9 7 4 Totals .. • J £2,640 17 2 £7,900 4 2 Ages attained. Joint and Si Female. irvivorship. Male. Amount of Annuity. 81-79 71-83 70-82 67-66 62-66 60-60 57-72 47-51 Totals .. 1 .. 1 .. I 1 1 1 1 1 .. j 1 I I I I I I I I I £ s- d. 36 2 8 48 o o 36 13 4 130 o o 193 i o 6 5 13 4 33 11 8 200 o o £743 2 0

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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.

* And temporary assurances for £18,450. t And whole life assurances for £14,000. t These amounts are also given in answer to Questions i and 6. 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 1897 ... ... ... 4 16 7 1898 ... ... ... 4 13 11 1899 ... ... ... 4 11 1 Question 10. —A tahle 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 are given in Appendix No. 7. In the case of children's endowments (premiums returnable) the premiums paid are returned without interest, as surrender value. Endowments without return of premium are treated specially.

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Class of Annuity. Beversionary Deferred (Premiums not returnable) ; Deferred (Premiums returnable) .. Deferred (Annuity-Assurances)* Deferred (Annuity-Assurances)t Amount of Annuities. .. : 300 o o .. i 200 17 o . . I 2O O O 6,413 17 6 5.591 6 9 Total Premiuras j Annual Single received to Premiums. Premiums. 31st December, 1899. £ s. d. £ s. d. / s. d. I 1,137 o o 1,137 o 0 73 o 2 1,056 6 3 1,412 3 ii 606! .. 12 1 o 922 60; 94 17 6 ; 2,669 4 °* i i ' 793 2 8 48 8 2 j 2,335 15 81 Totals .. £12,526 1 3 £1,794 9 4 £2,336 11 11 £7,566 5 1 J

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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 bonuses and 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.

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FIFTH Appendix THE PUBLISHED Which were in Use on

J Class of Assurance, with Parti- j cipatiou in Profits. Age 15. Age 16. Age 17. If Age 19. Age 2J. I Age 21. Age 22. Age 23. Age a o cii E-i I. Annual premium during whole of life Single payments £ e. d. 1 11 1 / s. d. 1 11 11 £ s. d. 1 12 9 £ *■ d. 1 13 8 £ •• d. 1 H 5 £ s. d I 15 2 £ •■ d. 1 15 it £ s. d i 16 8| i 117 5 \£ s- d 1 18 3 II.S 29 8 o 29 19 o 30 10 o 31 3 o 31 12 o 32 2 O 32 12 o 33 2 o 33 11 oi 134 2 o II.5 II.IO n.15 11.20 11.25 11.30 H-35 Annual premiums,— v Limited to 5 years 10 15 . 20 „ 25 „ ''■■ 30 35 ,■ 6 17 11 3 16 8 2 16 8 2 6 11 2 I 4 1 17 10 i 15 6 7 o 8 3 18 3 2 17 10 2 7 11 223 1 18 8 1 16 4 7 3 5 3 19 10 2 19 1 290 232 1 19 7 1 17 2 765 4 1 7 304 2 10 1 242 205 1 18 o 7 8 10 4 2 11 3 1 4 2 10 11 2 4 11 212 1 18 9 7 11 i 442 324 2 II 9 2 5 8 2 I II I 19 5 7 13 4 ! 456 3 3 4! 2 12 7 265^ 2 2 7 ! 2OI 7 15 6 4 6 Sj 3 4 3] 2 13 4 2 7 2 2 3 3 209 7 17 7 4 7 10 3 5 2 2 14 2j 2 7 IO 2 3 II 2 I 5 7 19 11 4 9 3 3 6 2 2 15 o 288 2 4 9 222 •a IS ■3 _g j> <D ■C "8 g I! f I (A 09 Annual Premiums, — Payable for io years » ii/, 12 13 » 14 - 15 » 16 „ » 17 18 „ „ 19 9 4 8 862 7 10 9 6 17 10 669 5 17 3i 5 8 II 5 1 8 4 15 3! 4 9 7) 8953 2869 9 7 11 4 0 6 18 4I 3 6 7 3j 3 5 17 91 r| 5 9 6 3| 5 2 2 3i 4 15 9 ?j 4 10 1 9 5 11 874 7 11 11 6 18 11 6 7 10 5 18 3 5 10 o 529 4 16 4 4 10 7 9 6 5 8 7 10 7 12 5 6 19 5 684 5 18 9 5 10 6 5 3 2 4 16 9 4 11 1 9 6 10 883 7 12 9 6 19 9 6 8 8 5 19 2 5 10 10 5 3 7 4 17 1 4 11 5 9 7 1 885 7 13 o 700 6 8 11 5 19 4 5 11 1 5 3 9 4 17 4 4 11 8 9 7 2 887 7 13 2 702 691 5 19 6 5 11 3 5 3 "I 4 17 7 4 11 10 9 7 3 9 7 3 8 8 8i 8 8 9 7 13 3 7 13 3 I 7 ° 3; 7 o 4 6 9 2: 6 9 3 5 19 71 5 19 9 5 it 4 5" 5 5 4 15 4 3 4 17 s; 4 17 10 4 12 o 4 12 2 4 6 II 4 7 1 425427 3 iS 4J 3 18 6 3 14 7i 3 14 10 3 'I 3 3 II 6 9 7 5i 8 8 10 7'3 5 7 ° 5 695 5 i<3 11 5 11 8 5 4 5 4 18 0 4 12 4 20 „ » 21 /, 22 23 „ 24 4 4 6 3 19 11 3 15 10 3 12 2 389: I 5450 [405 J 3 16 4 ! 3 12 8 (I 3 9 34 5 6 4 o 11 3 16 10 3 13 2 3 9 9 460 4 1 5 3 17 4 3 13 7 3 10 3 464 4 1 9 3 17 8! 3 14 o 3 10 7 467 420 3 17 11 3 14 3 3 10 10 469 4 2 3 3 l8 2: 3 14 5! 3 11 1 4 7 4 429 3 18 8 315 o 3 11 8! III. 25 „ 26 , 27 „ 28 „ i 3 5 8 3 2 11 3O4 2 18 o 2 15 10 ! S 3 6 2 : 3 3 5| I 3 010 > 2 18 6 > 2 16 4 | 3 6 8 3 3 11 3 1 4 2 19 o 2 16 10 3 7 2 3 4 4 3 I 10 2 19 6 2 17 4 3 7 6 3 4 9 322 2 19 10 2 17 8 3 7 10 3 5 0 326 302 2 18 o 3 8 o 3 5 3| 3 2 9 3°5 2 18 3 383385 3 5 5 3 5 8 3 2 11 3 3 2 3 o 7; 3 o 10 2 18 6; 2 18 9 2 16 7 2 16 10 2 14 9 2 15 o 2 13 1 2 13 5 2 11 7 2 11 11 2 IO 3; 2 IO 6 2 8 II 2 9 3 2 7 g| 2 8 1 2 6 Si 2 7 o 258260 2 4 Q 1 2 5 I 2 3 3'! 2 4 3 388 3 5 11 3 3 5 3 1 2 2 19 o 29 . 3° . 3 1 • 32 . 33 • 34 . 2 13 10 2 12 O 2 IO 4 289 2 7 4! 1 2 14 4 1 2 12 6 . 2 IO IO i 2 9 3 ! 2 7 IO 2 14 10 2 13 o 2 II 4 299 284 2 15 4 2 13 6 2 II 10 2 15 9 2 13 11 2 12 3 2 10 8 2 16 o 2 14 3 2 12 7 2 II O 2 9 7 | 2 16 4 2 14 6 2 12 ioj 2 11 4 2 g 11 2 17 1 2 15 4 2 13 9 2 12 3 2 10 11 2 10 3 2 8 10 293! O 35 . 36 . 37 • 38 . • 39 » 40 • 2 6 o: 2 4 9! 2 3 7 2 2 6! 2 I 6 207 |266; 270 259' 2 4 8| 237! 227' 2 i 8; 276 2 6 3 252 2 4 1 232! 223; 2 7 II 269 2 5 7 2 4 7| 2 3 7 229 2 8 4 2 7 1 260 2 4 ii| 2 4 o : 2 3 l| 2 8 7 2 7 5 1 264: 2 5 4| 2 4 4 2 3 6| 2 9 7 286 2 7 5 2 6 5 2 5 T 2 4 9 2 5 3 24I 230; 2 2l! 2 12;

17

H.—Ba

SCHEDULE. No. 1. TABLES OF PREMIUMS the 31st December, 1899.

3—H. Ba.

Age 25. Age 26. Age 27. Age 28. Age 29. Age 30. Age 31. Age ii. Age 33. Age 34. Age 35. Age 36. Age 37. I II.s II5 II.10 II.15 II.20 II.25 II.30 II-35 £ •■ d. 1 19 1 34 « ° 822 4 10 6 3 7 1 2 15 10 2 9 5 2 5 5 2 2 10 £ *■&■ £ s - d - 2 O I 2 I I 35 4 035 16 o 8 4 11 8 7 8 4 12 1 4 13 8 384397 2 16 11 2 17 11 2 10 5 2 11 4! 2 6 4 2 7 3J 2 3 9, 2 4 8 £ s - d - 221 36 7 o 8 10 4 4 15 2 3 10 9 2 18 11 ! 2 12 3 282 2 5 7 / ■■ d - 2 3 2 37 o o 8 13 2 4 16 10 3 12 o 300 2 13 3 291 266 £ s - d 243 37 12 ° S 16 o 4 18 6 3 13 3 3 1 1 2 14 3 2 10 1 276 £ s - d. 255 38 5 ° 8 18 11 502 3 H 7 323 2 15 4 2 11 1 286 £ s d. 268 38 18 o 920 5 1 11 3 15 11 3 3 5 2 16 5! 2 12 3 297 £ s d. 2 7 11 39 12 o 950 5 3 9 3 17 4 3 4 '° 2 17 7 2 13 4 2 10 9 £ s- d - 293 40 6 o 9 8 3 5 5 7 3 18 9 3 5 11 2 18 9 2 14 6 2 11 11 £ s. d 2 10 8 41 o o 9 11 6 5 7 6 402 3 7 3 300 2 15 9 2 13 2 £ S; d 2 12 2 41 15 O 9 14 11 5 9 6 4 1 9 3 8 7 3 1 4 2 17 1 2 14 6 £ s. d. 2 13 9 42 11 o 9 18 7 5 11 7 4 3 5 3 10 1 329 2 18 5 2 16 o I. II.S 11.5 II. 10 11.15 11.20 II.25 II.30 H.35 Term o: Years. Term of Years. 10 II 12 13 14 976 890 7 13 7 708 697 9 7 9 892 7 13 10 7 o 11 6 9 10 980 896 7 14 1 7 1 2 6 10 2 9 8 3 899 7 M 5 7 1 5 6 10 5 9 8 7 8 10 o 7 14 8 7 1 9 6 10 9 9 8 10 8 10 4 7 14 " 720 6 11 o 9 9 1 8 10 7 7 15 2 724 6 11 4 9 9 4 8 10 lo: 7 15 6 727 6 11 7J 9 9 7 ; 8 11 2 7 15 10 7 2 11 I 6 11 11 9 9 11 8 II 5 7 16 1 7 3 3 6 12 4 9 10 3 8 11 9 7 16 6 7 3 7 6 12 8 9 10 7 8 12 1 7 16 10 740 6 13 1 9 10 i 8 12 6 7 17 2 7 4 5 6 13 6 10 11 12 13 14 15 16 17 18 19 601 5 11 10 5 4 8 4 18 3 4 12 7 604 5 12 I 5 4 11 4 18 6 4 12 11 o o 8 5 12 5 5 5 3 4 18 10 4 13 2 6 o 11 5 12 9 5 a e 4 19 2 4 13 6 6 1 3 5 13 o 5 5 10 4 19 6 4 13 10 6 I 7 5 13 4 5 6 2 4 19 10 4 J 4 3 6 1 10 5 13 8 5 6 6 502 4 14 7 622 5 14 ° 5 6 10 5 o 61 4 14 11 626 5 14 4 5 7 2 5 o 11 4 15 4 6 2 10 5 14 9 5 7 7 5 1 4 4 15 9 6 3 3 5 15 2 580 5 1 9 4 16 3 6 3 8 5 15 7 5 8 6 523 4 16 10 6 4 2 5 16 1 5 9O 5 2 IO 4 17 4 15 16 17 18 19 20 21 22 4 7 7 430 3 19 o 3 15 4 3 12 o 4 7 10 4 3 4 3 19 4 3 15 8 3 12 4 482 4 3 8 3 19 8 3 16 o 3 12 8 486 440 400 3 16 5 3 13 1 4 8 10 4 4 5 405 3 16 9 3 13 6 4 9 3 4 4 9 409 3 17 2 3 13 11 4 9 7 4 5 2 4 1 2 3 17 7 3 14 4 4 10 o 4 5 7 4 1 7 3 18 o 3 14 1° 4 10 5 460 4 2 1 3 18 6 3 15 4 4 10 ioi 466 427 3 19 o 3 15 10 4 11 5 4 7° 4 3 1 3 19 7 3 16 6 4 11 11 4 7 7 4 3 8 4°3 3 17 1 4 12 6 4 8 2 4 4 4 4 o 11 3 17 10 20 21 22 23 24 23 24 25 26 3 9 0 3 6 3 3 3 9 3 1 6 2 19 5 3 9 4 367 3 4 2 3. 1 10 2 19 10 3 9 9 3 7° 3 4 6 323 3°3 3 10 1 3 7 5 3 5° 329 308 3 10 6 3 7 10 3 5 5! 3 3 2j 3 1 2! 3 11 o 3 8 4 3 5 11 3 3 8 3 1 .8 3 11 5 389 364 3 4 2 322 3 11 n 3 9 3l 3 6 11 3 4 9 329 3 12 5 3 9 10 3 7 6 3 5 4 3 3 5 3 13 o 3 10 5 3 8 1 3 6 o 3 4 1 3 13 8 3 11 1 389 3 6 8 3 4 10 3 H 4 3 11 9 3 9 6 3 7 6 3 5 8 3 15 o 3 12 7 3 10 4 3 8 4 3 6 6 25 26 27 28 29 27 28 29 3O 31 32 33 34 2 17 6 2 15 9 2 14 2 2 12 8 2 11 4 2 17 II 2 16 2 2 14 7 2 13 I 2 II 9 2 18 4 2 16 8 2 15 I 2 13 7 2 12 3 2 18 10 2 17 1 2 15 7 2 14 2 2 12 10 2 19 4! 2 17 8 2 16 I 2 14 8 2 13 5 2 19 10 2 18 2 2 16 8 2 15 4 2 14 o 3°5 2 18 9] 2 17 3 2 15 11 2 14 8 3 1 ° 2 19 5 2 17 II 2 l6 7 2 15 5 3 1 8 3 ° 1 2 18 7 2 17 4 2 16 2 324 3 o 10 2 19 5 2 18 2 2 17 O 3 3 2 3 1 7 303 2 19 0 2 17 11 3 4° 3 2 6 3 1 2 2 19 11 2 18 10 3 4 10 3 3 5 3 2 1 3 o 11 2 ig 11 30 3i 32 33 34 35 36 37 38 39 40 2 13 1 2 8 11 2 7 11 2 6 11 2 6 1 2 IO 7 2 9 5 2 8 5 276 2, 6 7 2 5 10 2 II I 2 IO O 2 9O 2 8 I 2 7 3 2 6 6 2 11 8 2 10 7 2 9 7 288 2 7 11 272 2 12 3 2 II 2 2 10 3 2 9 4 287 2 7 10 2 12 11 2 11 10 2 10 11 2 10 1 294 288 2 13 7 2 12 7 2 11 8 2 10 10 2 10 1 2 9 5 2 14 4 2 13 4 2 12 5 2 II 8 2 10 II 2 10 4 2 15 I 2 14 2 2 13 4 2 12 6 2 II 10 2 II 3 2 l6 O 2 15 I 2 H 3 2 13 6 2 12 10 2 12 3 2 16 11 2 16 o 2 15 3 2 14 6 2 13 II 2 13 4 2 17 11 2 17 1 2 16 4 2 15 8 2 15 I 2 14 7 2 19 o 2 18 2 2 17 6 2 16 10 2 16 4 2 15 10 35 36 37 38 39 40 2 5 3

18

E.—Ba

FIFTH Appendix THE PUBLISHED Which were in Use on

Class of Assurance, with Parti- " Age cipation in Profits. 38. Age 39. Age 40. Age 41. Ag 42. Age 43. Age 44. Age 45. Age 46. Age 47. 03 Annual premium during whole of life Single payments £ ■■ d2 15 4 £ s - d - 2 17 1 £ ■• d. 2 18 11 £ s. d. 3 o 10 £ e. d. 3 2 10 £ s. d. 3 5 1 £ B. d. 3 7 5 / B. d. 3 9 10 £ s. d. 3 12 6 £ 8. d. 3 15 3 I. O rt II.s 43 6 o 44 2 o 44 19 o 45 16 o 46 13 o 47 12 o 48 11 o 9 o 50 10 o 51 10 0 s 3 O tu (/I o II.5 II.10 II.15 11.20 II.25 II.30 II.35 Annual premiums,— Limited to 5 years „ 10 „ 15 a a 20 „ 25 „ 3° 1. 35 1, io 2 0 5 13 7 450 I 3 11 6 3'4i I 2 19 10 I 2 17 5 10 5 8 5 15 9 469 3 13 1 3 5 8 3 1 4 2 19 o 10 9 6 5 18 1 4 8 7 3 14 9 3 7 3 3 3O 308 10 13 4 605 4 10 & 3 16 5 3 8 11 3 4 8 10 17 2 629 1 4 12 4 ! 3 18 2 3 i° 7 3 6 5 11 1 7 6 5 5 4 14 6 402 3 12 7 3 8 S 11 6 1 6 8 1 4 16 9 423 3 14 8 3 10 7 11 i° 5 6 10 10 4 19 o 4 4 4 3 16 9 3 12 9 11 15 3 6 13 9 5 I 6 468 3 19 1 12 o 1 6 16 10 5 4° 4 9 1 416 Annual Premiums, — Payable for 10 years „ 11 „ „ 12 „ a 13 a a 14 » 9 11 3 8 12 10 7 17 7 7 4 10 6 14 o 9 11 7 8 13 3 7 18 o 7 5 3 6 14 5 9 12 o 8 13 8 7 18 6 7 5 9 6 15 o 9 12 6 8 14 2 7 19 o 764 6 15. 7 9 13 i 8 14 9 7 19 8 770 6 16 3 9 13 8 8 15 5 804 7 7 9 6 17 1 9 14 5 8 16 3 8 1 2 787 6 17 11 9 15 3 8 17 1 8 2 1 796 6 18 11 9 16 1 8 17 11 8 3 o 7 10 6 6 19 11 9 17 o 8 18 11 840 7 II 6 7 1 o <D o 15 » 16 •., 18 „ 19 „ 648 5 16 7 596 5 3 4 4 17 " 6 5 2 5 17 1 5 10 I 540 4 18 7 659 5 17 8 5 10 9 5 4 7 4 19 3 664 5 18 4 5 11 5 5 5 4j 500 6 7 1 5 19 1 5 12 3 I 5 6 2 5 o 11 6 7 11 600 5 13 1 572 5 1 11 689 6 o 11 5 14 1 5 8 2 5 3° 6 9 10 620 5 15 3 5 9 4 5 4 2 6 10 11 632 5 16 5 5 10 7 5 5 6 6 12 o 644 5 17 8 5 11 11 5 6 11 O <-■ H ° a 0) a 20 „ „ 21 1, > ■ » 22 „ 4 J 3 1 4 8 10 4 5° 4 1 7 3 18 7 4 13 9 496 4 5 9 424 3 19 4 4 14 6 4 i° 3 466 4 3 3 4 ° 3 4 15 4 4 II 2 4 7 5 4 4 2 4 1 3 4 I 6 3 4 12 1 4 § 5 452 424 4 17 3 4 13 2 4 9 7 465 4 3 7 4 18 5 4 14 5 4 10 10 4 7 9 4 4 11 4 19 8 4 15 9 4 12 3 4 9 2 4 6 5 5 1 1 4 17 2 4 13 9 4 10 8 481 5 2 6 4 18 8 4 15 4 4 12 5 4 9 10 23 „ 24 „ III. 0 25 « 26 „ » 27 „ 28 „ 29 „ 3 15 10 3 13 4 3 11 2 3 9 2 3 7 5 3 16 8 3 14 3 3 12 1 310 2 3 8 5 3 17 7 3 15 3 3 13 1 3 11 3 3 9 6 3 18 7 3 16 3 3 14 3 3 12 5 3 10 9 3 19 9 3 i? 6 3 15 6 3 13 8 3 12 1 4 1 1 3 18 10 3 16 11 3 15 2 3 13 7 426 404 3 18 5 3 16 9 3 15 3 4 4 1 4 1 11 401 3 18 6 3 17 1 4 5 9 4 3 8 4 1 11 404 3 19 o 476 4 5 7 4 3 10 424 4 1 1 r , tn 0) <_> 3 S y, 0 c/3 <l "3 (U 8 o 30 „ 31 » 32 . 33 - 34 » 3 5 10 3 4 5 3 3 2; 320! 3 I ° 3 6 11 3 5 6 3 4 4 3 3 3 323 380 369 3 5 6 3 4 6 3 3 7 3 9 4 380 3 6 11 3 5 11 3 5 1 3 10 9 3 9 6 3 8 5 3 7 6 368 3 12 3 3 11 1 3 10 1 3 9 2 3 8 5 3 14 ° 3 12 10 3 11 11 3 11 1 3 10 4 3 15 10 3 14 9 3 13 10 3 13 1 3 12 5 3 17 10 3 16 10 3 16 o 3 15 4 3 14 9 400 3 19 1 3 18 4 3 17 8 35 a 36 . . 38 . 39 1, 302 2 19 5 2 18 8 2 l8 I 2 17 7 3 1 5 308 3 o 1 2 19 6 2 19 1 3 2 10 3 2 1 3 1 6 3 1 ° 3°7 3 4 4 3 3 8 3 3 1 3 2 8 323 3 5 11 3 5 4 3 4 10 3 4 5 3 7 9 3 7 3 369 3 9 9 3 9 3 3 11 11 Age 80. 2 4 II] Age 29. 2 3 9 ! 2 3 II Age 28. 228 2 2 10 230 40 „ 2 17 2 2 18 8 3°3 if 210 2 Age 33. 289 2 8 11 292 Age 32. 2 7 5 2 7 7 2 7 IO 2 8 I Age 31. 262 264 267 2 6 10 2 5 I 2 5 4 2 5 7 2 5 IO 2 6 2 242 244 248 2 4 II 2 5 3 2 3 3 236 2 3 9 2 4 1 2 4 5 Age 35. 2 II 7 210 4 2 7 1 Age Age 38 ;-)9. 2 16 6 2 18 4 2 16 10 Age 37. 2 14 10 2 15 1 2 15 5 Age 36. 2 13 2 2 13 5 2 13 9 2 14 I 2 II IO 2 12 2 2 12 6 2 12 II 2 10 8 2 11 0 2, 11 4 2 11 9 296 2 9 IO 2 IO 3 2 10 9 2 8 5 2 8 IO 2 7 5 2 7 IO 284 2 8 IO 267 27O 2 7 6 280 2 5 8 262 268 2 4 II 2 5 4 2 5 II 2 6 6 293 299 2 7 3

H.—Ba

19

SCHEDULE. No. 1—continued. TABLES OF PREMIUMS the 31st December, 1899.

Age 48. Age 49. Age 50. Age 51. Age 52. Age 53. Age 51. Age 55. Age 56. Age 57. Age 58. Age 59. Age 60. I. £ s. d. 3 18 I £ s. d. 4 1 2 £ *• d - 444 £ •■ a\ 479; i / s. d. 4 11 5 1 £ s - d - 4 15 4 £ ■■ d. 4 19 6 5 4° £ s - d - 588 £ s - d. 5 13 8 £ s. d. 5 19 2 £ •■ d. 6 5 5 £ s. d. 6 12 o I. II.s 52 9 ° 53 11 ° 54 11 o 55 12 o 56 14 o 57 17 o ■ 59 o o 60 4 o 61 6 o 62 10 o 63 15 ° 65 5 ° 66 14 o II.s II.5 II.10 II.15 11.20 I1.2 5 II.30 II.35 12 4 8 6 19 8 5 6 5 4 11 6 4 3 11 12 9 9 7 2 11 5 9 2! 4 14 1 468 12 14 8 7 6 1 1 5 11 11 4 16 10 4 9 5 12 19 9 7 9 5 5 14 11 4 19 9 13 5 1 7 12 11 5 18 I 5 2 10 13 i° 8 7 16 8 615 I 5 6 3 13 16 5 807 650 5 19 10 14 2 6 849 6 8 10 513 9 14 8 4 8 8 11 6 12 9 5 17 9 14 14 5 8 13 5 6 16 11 6 2 1 15 1 3 8 18 4 7 .1 7 670 15 9 2 9 4 1 770 6 12 8 15 17 2 9 9 11 7 12 7 6 18 7 II.5 II.10 II.15 II.20 II.25 II.30 II.35 j j rerm ol Years. Term of Tears. 10 11 12 13 14 9 17 11 8 19 11 850 7 12 8 722 9 18 11 9 o 11 862 10 o 0 9 2 1 8 7 5 7 15 2 7 4 10 10 1 3 9 3 5 8 8 10 7 16 8 7 6 5 10 2 7 9 4 11 8 10 4 7 18 3 782 10 4 2 966 8 12 1 802 7 10 1 10 5 11 9 8 4 8 14 o 822 10 7 10 9 10 5 8 16 2 8 4 5 7 14 8 ID 11 12 7 13 10 7 3 6 7 12 3 13 14 15 16 6 13 3 658 5 19 1 5 13 5 5 8 5 6 14 8 671 607 5 15 ° 5 10 1 6 16 1 6 8 8 623 5 16 8 5 11 11 6 17 9 6 10 4 641 5 18 7 5 13 " 6 19 7 6 12 4 6 6 1 609 5 16 1 7 1 8 6 14 6 684 6 3 1 5 18 7 7 3 11 6 16 10 6 10 9 6 5 7 6 1 3 764 6 19 5 6 13 6 685 642 15 16 J 7 18 17 18 19 19 20 5 4 2 5°4 4 17 1 4 14 2 4 11 8 5 5 10 522 4 18 11 4 16 2 4 13 9 5 7 9 5 4 2 5 1 ° 4 18 3 4 15 11 5 9 10 564 5 3 3 508 4 18 5 5 12 2 588 5 5 9 5 3 3 5 1 1 5 14 8 5 11 4 586 5 6 2 5 4 1 5 17 6 5 14 3 5 11 7 5 9 3 5 7 4 607 5 17 6 5 14 11 5 12 9 5 10 11 20 21 22 23 24 Age 18. I 12 2 Age 15. I II 4 1 11 5 65 64 25 26 27 28 29 496 4 7 7 4 5 11 4 4 7 4 3 4 4 11 7 4 9 10 4 8 3 4 6 11 4 5 10 4 13 11 4 12 2 4 10 9 496 486 4 16 6 4 14 10 4 13 6 4 13 4 4 11 4 4 19 4 4 17 9 4 16 6 4 15 5 525 5 1 ° 4 19 9 5 5 9 5 4 5 5 9 5 Age 20, 1 15 7 Age 19. i 14 9 1 14 10 Age 18. 1 13 11 1 14 o I 14 2 Age 17. 1 13 1 1 13 2 1 13 3 1 13 4 I 12 3 I 12 4 I 12 6 1 11 6 1 11 7 1 11 8 1 11 10 63 62 61 60 Age 21. 1 16 4 1 16 5 1 16 6 1 16 8 1 16 10 I 12 7 3° 31 32 424 416 409 4 4 10 4 4 ' 1 4 7 7 Age 25. 1 19 8 Age 24. I 18 8 1 18 10 Age 23. 1 17 10 1 17 11 1 18 1 Age 22. 1 17 1 1 17 2 I 17 3 1 17 5 1 15 8 1 15 9 1 15 11 1 16 o 1 16 2 1 15 o 1 15 1 1 15 3 1 15 5 1 15 7 I 14 3 I 14 5 I 14 6 I 14 9 1 14 II 1 13 6 1 13 8 1 13 10 1 14 o 1 14 2 I 12 9 I 12 10 I 13 I i 13 3 I 13 6 1 12 o 1 12 2 1 12 4 1 12 6 59 58 57 56 55 " Aee 26. 207 208 2 o 10 1 12 9 53 52 51 5° Age 27. 2 I 7 2 19 2 I II 1 19 9 1 19 10 200 203 206 1 18 11 1 19 1 1 19 4 1 19 6 1 19 9 1 18 3 1 18 5 1 18 7 1 18 10 I 19 2 1 17 7 1 17 9 1 18 o 1 18 3 1 18 7 1 17 0 1 17 2 1 17 5 1 17 9 1 18 o 1 16 5 1 16 8 1 16 11 I 17 2 I 17 6 1 15 10 1 16 o 1 16 4 1 16 7 1 16 11 I 15 2 i IS 5 1 15 8 1 16 o 1 16 4 1 14 5 1 14 9 1 15 o i 15 4 1 15 8 i 13 9 1 14 0 1 14 4 1 14 8 1 15 o I 13 0 1 13 4 1 13 8 1 14 o 1 14 5 54 53 52 5i 5° 210 2 2 1 2 1 3 49 48 47 46 45 224 2 2 7 2 2 II 2 3 3 2 3 8 2 1 6 2 1 10 222 226 2 2 11 209 211 2 1 5 2 1 10 223 201 205 209 212 2 1 8 i 19 5 i 19 9 202 207 211 1 18 11 1 19 3 1 19 8 201 207 1 18 4 1 18 9 1 19 2 1 19 8 202 1 17 10 I 18 3 1 18 8 1 19 2 1 19 8 1 17 4 1 17 9 1 18 2 1 18 S I 19 3 1 16 9 1 17 2 1 17 7 1 18 1 1 18 8 1 16 1 1 16 6 1 17 o 1 17 6 1 18 1 1 15 5 1 15 11 1 16 5 1 16 11 1 17 6 1 14 10 1 15 3 1 15 9 1 16 4 1 16 11 49 48 47 46 45 44 43 42 41 2 4 I 247 2 5 2 2 5 10 2 3 5 2 3 11 246 252! 229 233 2 3 10 246 222 228 2 1 7 222 2 2 10 236 212 219 225 2 3 1 208 2 I 4 2 2 0 2 2 9 203 2 o 11 1 19 10 205 212 1 19 3 1 19 11 208 1 18 8 1 19 4 201 2 O 10 1 18 1 1 18 9 1 19 6 203 I 17 6 1 18 2 1 18 11 44 43 42 41 2 3 4 240 2 1 7 224 2 1 11 215 1 19 9

H.—Ba

20

FIFTH Appendix THE PUBLISHED Which were in Use on

JOINT LIVES. Tem: PORARY Annual Premiums required to secure £100, payable on the failure of either Life. (With Profits.) ASSUI IANCES. Children's Premium to be pc on a Single Life '.id for assuring £100 . (WithoutProfits.) ENDOWMENTS. 111 Difference between Age of Elder and Younger Life. 0 Years. 2 Years. 4 Years. 6 Years. 8 Years. 10 Years. Annual Premium for 1 Year. Annual Premium for 5 Years. Annual Premium for 7 Years. Rates of Premium to secure Endowments of £100. The Premiums to be returned with2O 21 22 23 24 25 26 27 28 29 3O 31 32 33 34 35 36 37 38 39 4O 41 42 43 44 45 46 47 48 49 50 £ s. d. 2 13 o 2 14 1 2 15 2 2 16 3 2 17 5 2 18 9 303 3 I 9 3 3 4 3 5 0 368 3 8 5 3 10 3 3 12 3 3 14 3 3 16 5 3 18 9 4 1 1 4 3 7 4D3 490 412 o 4 15 2 4 18 8 525 564 5 10 7 5 14 11 5 19 6 6 4 5 6 9 7 £ s. d. 2 14 1 2 15 2 2 16 4 2 17 6 2 18 10 303 3 1 10 3 3 5 3 5 0 369 386 3 10 4 3 12 4 3 14 4 3 16 6 3 18 10 4 1 2 4 3 9 464 492 4 12 2 4 15 5 4 18 10 527 566 5 10 8 5 15 1 5 19 9 648 6 9 10 6 15 5 £ s. d. 2 15 3 2 16 6 2 17 9 2 19 1 306 320 3 3 6 3 5 2 3 6 11 389 3 10 7 3 12 7 3 14 8 3 16 10 3 19 1 416 440 469 4 9 7 4 12 8 4 15 11 4 19 5 5 3 1 5 7 I 5 11 3 5 15 8 604 654 6 10 8 6 16 4 724 £ s. d. 2 16 9 2 18 1 2 19 5 3 010 323 3 3 10 3 5 6 3 7 3 3 9 1 3 11 o 3 13 o 3 15 1 3 17 3 3 19 7 420 4 4 7 4 7 5 4 10 4 4 13 5 4 16 9 503 540 5 7" 5 12 1 5 16 7 6 1 5 6 6 6 6 11 11 6 17 9 7 3 11 7 10 5 £ s. d. 2 18 6 2 19 11 3 1 3 329 3 4 3 3 5 11 3 7 § 3 9 7 3 11 6 3 13 7 3 15 8 3 17 11 4°3 429 4 5 5 483 4 11 4 4 14 6 4 17 11 5 1 5 5 5 2 5 9 2 5 13 5 5 18 o 6 2 11 682 6 13 9 6 19 8 7 5 11 7 12 8 7 19 10 £ s - d - 305 3 1 10 334 3 4 IO 366 3 8 4 3 IO 3 3 12 2 3 14 4 3 16 6 3 18 9 4 1 2 4 3 9 466 496 4 12 7 4 T 5 10 4 19 4 5 2 11 569 5 10 10 5 15 1 5 19 i° 6 4 10 6 10 3 6 16 o £ s. d. o 16 5 o 16 10 £ s. d. o 17 5 o 17 10 o 18 3 o 18 7 0 18 10 o 19 o O ig 2 o 19 4 o 19 6 0 19 9 100 1 o 5 1 o 10 1 1 4 1 1 10 £ s. d. o 17 6 0 17 11 o 18 4 0 18 8 o 18 11 out Interest if Death occurs previous to the specified Age. (Without Profits.) 15 16 17 18 19 2O 21 22 23 24 25 26 27 28 29 3O 31 32 33 34 35 36 37 38 39 4O 41 42 43 44 45 46 47 48 49 5O 51 52 53 54 o 17 3 o 17 7 o 17 10 o 18 o O l8 2 O l8 4 o 18 6 o 18 9 o 19 1 o 19 6 0 19 11 104 109 1 1 3 1 1 9 1 2 3 129 1 3 3 1 3 9 1 4 4 1 4 11 1 5 6 1 6 1 169 1 7 5 1 8 2 1 2 4 1 2 10 1 3 5 140 1 4 7 1 5 2 1 5 10 1 6 6 1 7 2 1 7 10 1 8 7 1 9 4 1 10 2 1 11 2 o 19 i o 19 3 0 19 5 o 19 8 100 1 o 5 ion 1 1 5 1 1 11 1 2 s 1 3 o 1 3 7 1 4 2 1 4 9 1 5 5 1 6 1 169 1 7 5 1 8 1 1 8 10 1 9 8 1 10 7 1 11 7 1 12 8 To bi 1 2 3 4 5 6 7 8 9 Single Annual Premium. Premium. paid at the Age of 14. £ s. d. £ s. d. 56 6 11 5 12 2 58 19 4 645 61 13 1 6 19 2 64 9 5 7 16 8 67 8 8 8 18 3 70 10 6 10 5 3 73 15 o 12 o 1 77 2 3 14 6 8 80 12 5 17 11 11 7 2 1 7 8 7 7 15 6 8 2 10 8 10 9 To bi paid at tlie Age of 18. II ting the MEDI. 'um to be payable b >lTE AN i«zVZ /op an h Half-yearly > tfur ttstalnti TIES le Annui ents. 190 1 9 11 1 10 11 1 12 1 1 13 5 1 14 11 1 16 7 1 18 5 205 227 2 4 11 276 1 12 4 1 13 8 1 15 2 1 16 10 1 18 8 208 1 13 11 1 15 4 1 16 11 1 17 8 207 228 1 2 3 4 5 6 7 8 9 1O 11 12 13 46 17 o 49 on 51 5 10 53 13 1 56 2 11 58 15 o 61 9 5 64 6 3 67 5 7 70 7 7 73 12 4 76 19 11 80 10 6 3 17 9 448 4 12 6 5 1 6 5 12 o 6 4 3 6 18 11 7 16 5 8 18 o Sho•ty of £10, MALE. FEMALE. ■jS 2 2 IO 2 5 2 2 7 8 2 10 4 2 13 3 2 4 11 274 2 9 11 2 13 9 2 15 11 10 5 o 11 19 10 14 6 5 17 11 9 MALE. FEMALE. 8O 79 78 77 76 75 74 73 72 71 7O 69 68 67 66 65 64 63 62 61 £ s. d. 51 10 10 53 19 2 56 9 2 59 o o 61 12 6 64 7 6 67 5 o 7° 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 ° 58 5 o 61 1 8 64 o o 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 8 114 4 2 118 o o 121 15 10 6O 59 58 57 56 55 54 53 52 51 5O 49 48 47 46 45 44 43 42 41 4O £ s. 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 10 151 16 8 154 10 10 157 5 o 159 17 6 162 8 4 164 19 2 167 9 2 169 18 4 172 6 8 £ s. 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 10 177 0 10 179 19 2 182 16 8 185 11 8 188 5 10 190 18 4 Double-Endowment ASSURANCES. (With Profits.) For the Assurance of £100 in the event of Death during the Term, and an Endowment of in the event of the Life assured surviving the Term. ',e event ind an vent of Term. 1 2 3 4 5 6 7 8 9 1O 11 12 13 14 15 16 To b! paid at the Age of 21. 40 10 2 42 8 6 44 7 7 46 8 11 48 12 7 50 18 3 53 6 o 55 16 o 58 8 3 61 2 11 64 0 1 66 19 11 70 2 6 73 7 10 76 16 2 80 7 6 3 1 o 3 5 11 3 11 4 3 17 5 4 4 3 4 12 2 5 1 2 5 11 7 6 3 10 6 18 7 7 16 o 8 17 8 10 4 9 11 19 7 14 6 1 17 11 5 Term. Annual Premium. 10 years 15 » 20 25 „ 3° » 35 « / S. <*• 17 6 o 10 14 o 780 5 12 o 480 3 12 o

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21

SCHEDULE. No. 1—continued. TABLES OF PREMIUMS the 31st December, 1899.

PREMIUMS and BENEFITS in accordance with Regulations under " The Civil Service Insurance Act, 1893." ANNUITY ASSURANCES. ANNUITY ASSURANCE: I. Temporary Deferred Annuity, commencing at Age 60. Annual Premium, ceasing at Age 60. Deferred Annuity, commencing at Age 60. * Annual Premium, ceasing at Age 60. !! uffl *3 Insuranc Wholelife Insurance. until Age 60. Payable Payable Payable Yearly. Half-yearly. Quarterly. Payable Payable Yearly. Half-yearly. Payable Quarterly. 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 3O 31 32 33 34 35 36 37 38 39 4O £ 100 100 100 100 100 100 100 100 100 100 100 £ s. d. 63 11 1 59 15 9 56 3 10 52 15 3 49 11 10 46 12 7 43 16 5 4 1 3 5 38 13 ° 36 4 9 33 18 8 31 14 10 29 12 9 27 12 10 25 15 2 23 19 6 22 5 9 20 13 6 19 2 11 17 14 1 16 6 8 £ s. d. 62 18 2 59 3 6 55 12 4 52 4 6 49 1 8 46 3 2 43 7 6 40 15 o 38 5 2 35 17 6 33 n 8 31 8 4 29 6 8 27 7 2 25 9 10 23 14 8 22 1 2 20 9 4 18 19 o 17 10 6 16 3 4 14 17 8 13 13 4 12 10 4 11 8 10 10 8 2 £ s. d. 62 11 8 58 17 4 55 6 8 51 19 o 48 16 8 45 18 4 43 3 o 40 10 8 38 1 o 35 13 8 33 8 4 31 5 o 29 3 8 27 4 4 25 7 4 23 12 o 21 19 o 20 7 o 18 17 o 17 8 8 16 1 8 14 16 o 13 12 o 12 9 o 11 7 8 10 7 o £ s. d. 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 £ 100 100 100 100 100 100 100 100 100 100 100 £ s. d. 63 ii 1 59 15 9 56 3 10 52 15 3 49 11 10 46 12 7 43 16 5 41 3 5 38 13 ° 36 4 9 33 18 8 31 14 10 29 12 9 27 12 10 25 15 2 23 19 6 22 5 9 20 13 6 19 2 11 17 14 1 16 6 8 £ s. d. 62 18 2 59 3 6 55 12 4 52 4 6 49 1 8 46 3 2 43 7 6 40 15 o 38 5 2 35 17 6 33 11 8 3i 8 4 29 6 8 27 7 2 25 9 10 23 14 8 22 I 2 20 9 4 18 19 o 17 10 6 16 3 4 14 17 8 13 13 4 12 10 4 11 8 10 10 8 2 £ s. d. 62 11 8 58 17 4 55 6 8 51 19 o 48 16 8 45 18 4 43 3 ° 40 10 8 38 1 o 35 13 8 33 8 4 31 5 ° 29 3 8 27 4 4 25 7 4 23 12 o 21 19 o 20 7 o 18 17 o 17 8 8 16 1 8 14 16 o 13 12 o 12 9 o 11 7 8 10 7 o £ s - d - 5 7° 5 7° 580 580 5 9° 5 9° 5 10 o 5 10 o 5 11 o 5 11 o 5 12 o 5 12 o 5 13 ° 5 14 o 5 15 ° 5 16 o 5 17 o 5 18 o 5 19 ° 610 620 640 660 670 6 10 o 6 12 o 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 3O 31 32 33 34 35 36 37 38 39 4O 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 15 o 9 13 16 2 12 13 o 11 11 2 15 o 9 13 16 2 12 13 o 11 11 2 100 100 100 100 10 10 5 100 10 10 5 ALTEI NATIVE BE EFF s FOR ENTRAN 's whose Ag: EXC ;eds 4' i>. Benefit A. Endowment Assurance, payable at Age 60 or earlier Death. Benefit B. Deferred Annuity, commencing at Age 60. + Annual Premium, ceasing at Age 60. ?H CO §| Payable Yearly. Payable Half-yearly. Payable Quarterly. 41 42 43 44 45 46 47 48 49 5O £ 97 91 85 80 74 69 63 58 53 49 £ «. <*• 15 9 8 14 4 6 13 o 6 11 17 8 10 15 11 9 15 '3 8 15 8 7 17 o 6 19 3 625 £ s. d. 15 6 6 14 1 6 12 17 10 11 15 2 10 13 8 9 13 4 8 13 10 7 15 4 6 17 10 6 1 2 £ s. d. 15 5 o 14 o o 12 16 4 II 14 O 10 12 8 £ s. d. 500 500 500 500 500 500 500 500 500 500 41 42 43 44 45 46 47 48 49 5O 9 12 4 8 13 o 7 14 4 6 17 o 604 'ayable by m< >nthly deductions from salai ry.

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FIFTH SCHEDULE. Appendix No. 2. ASSURANCES FOR THE WHOLE TERM OF LIFE WITH WHOLE-LIFE PREMIUMS. In force at 31st December, 1899.

22

Age attained. Number of Policies. Amount assured. Bonus Additions. Office Annual Pbemiums. Net Premiums. Yearly Permanent Reduction of Premium. Age attained. Ordinary. Extra. 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 3«4 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 84 1 7 10 22 33 55 65 79 !37 163 187 189 255 296 306 343 319 391 349 404 398 413 369 458 393 443 419 513 493 462 461 5O2 485 486 463 446 433 438 360 356 396 451 362 406 392 383 298 327 282 261 227 218 204 167 105 103 74 75 53 49 37 18 16 £ 650 2,OOO 2,200 4,850 7.750 I3,O75 14,250 18,370 32,835 40,205 44,700 45,865 64,135 74,23° 78,575 84,930 85,865 107,800 97,IO5 116,415 II2,38l 105,845 110,450 128,925 109,280 121,980 117,770 142,851 127,402 131,892 127,041 139,134 139,532 133,304 141,888 133,897 116,804 121,943 113,502 93,869 116,111 131,840 108,198 119,021 121,655 117,716 83,247 101,036 91,169 81,528 71,764 60,916 65,924 53,293 30,825 36,457 26,790 23,635 21,170 14,049 14,588 8,53° 7,915 3,870 4,75o 1,770 1,700 2,114 500 100 £ t3 10 12 6 65 15 90 18 264 15 500 12 1,025 8 i,553 18 1,806 9 3,063 7 3,858 7 4,489 1 4,468 10 4,595 6 6,120 10 5,562 6 6,930 9 6,772 3 6,886 15 7,540 10 8,092 2 7.366 14 9,223 19 8,705 10 10,615 J 9 9,388 13 10,471 6 10,662 17 12,439 5 12,409 13 13,298 15 14,099 6 13,917 10 11,041 13 12,971 16 13,548 17 11,449 17 15,160 16 16,685 9 13,970 19 15,671 I 18,466 10 16,843 7 11,453 12 15,086 5 13,992 11 12,196 5 10,308 4 9,023 19 10,848 6 8,830 12 5.367 2 5,226 16 5,122 16 4,228 17 3,478 5 2,209 14 2,702 13 1,159 19 1,256 1 847 3 1,006 10 367 18 405 15 387 10 148 9 22 14 £ s. d. 10 4 10 31 11 8 35 1 3 78 4 4 127 16 g 219 10 9 243 15 9 317 ° 3 576 13 9 706 19 7 788 13 8 821 18 3 1,160 17 4 1,364 2 5 1,465 10 6 1,625 19 5 1,677 18 8 2,142 13 4 1,970 8 8 2,405 16 7 2,375 2 6 2,263 8 8 . 2,382 2 9 2,880 15 1 2,462 13 3 2,778 11 11 2,726 6 11 3,342 16 7 3,049 2 3 3,175 5 10 3,076 9 2 3,445 8 1 3,452 H 3 3,342 10 6 3,655 14 4 3,434 J 4 1 3,163 16 11 3,363 17 1 3,086 1 10 2,618 9 2 3,241 19 10 3,821 1 3 3,191 7 10 3,549 3 11 3,686 18 10 3,671 13 II 2,570 15 3 3,362 1 6 3,022 18 10 2,739 H 9 2,506 19 5 2,135 17 10 2,420 13 o 1,948 19 6 1,097 !7 5 1,504 9 2 992 12 7 947 l8 1 914 o 1 594 l6 9 616 13 9 535 o 8 404 o 10 188 16 8 211 19 6 85 19 2 82 13 0 132 17 2 25 6 8 660 £ s. d. 100 1 10 p 10 o o 2 10 O IO O O 9 19 3 800 10 17 8 21 10 o 14 12 2 11 7 1 30 14 0 15 7 6 17 14 3 35 11 6 36 14 8 35 5 11 32 4 8 42 11 2 55 3 5 39 12 6 80 17 6 73 16 7 63 10 4 73 10 o 69 19 5 83 IJ 2 80 4 3 75 1 4 83 6 9 88 13 5 92 19 7 77 8 4 74 o 9 89 in no 7 5 59 7 4 107 4 5 no 2 6 103 o 6 77 12 4 75 9 1 127 10 3 "5 2 8 104 12 1 63 5 11 63 10 1 72 18 7 45 7 8 39 11 10 38 18 3 ig 12 2 36 16 9 27 3 7 13 16 5 11 3 II 24 11 11 6 13 4 148 11 4 8 7 9 4 £ 7-319 23-360 26-066 58-290 95-962 165-429 184-784 241-222 441-165 540-808 603-197 632-161 894-858 1,055712 1,140-176 i,273'895 1,322-505 1,695-299 i)565-617 1,920-467 1,906-076 1,821-664 1,927-641 2,346-087 2,012-300 2,290-073 2,256-075 2,785'395 2,548-280 2,679-406 2,600-056 2,926-712 2,966-776 2,874-173 3,154-982 2,974779 2,752-119 2,934-007 2,714-552 2,312-527 2,864-799 3,393-358 2,847-527 3,169-919 3,303-807 3,304-895 2,324-062 3,038-985 2,743-36i 2,496-ogg 2,288-235 i,957-i3i 2,222-800 1,802-516 1,020-696 1,392-385 928-971 888-298 860-233 562-831 585-796 488-689 383-I43 179,247 205-655 82-655 78-977 124-714 24-055 6-163 £ s. d. o 13 o 0 12 O l8 II O56 I 2 8 i 5 3 3 1 3 4 054 o 17 6 2 14 o 476 o 16 6 032 960 3 " 9 0 13 4 1 2 8 504 460 4 11 8 5 8 1 1 9 10 o 18 8 14 15 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 71 72 73 74 75 76 77 78 79 80 81 82 84 120 10 8 6 836 286 o 14 4 o 19 o 8 17 2 3 7 4 17 14 2 15 4 4 1 7 4 098 o 10 8 2 1 .4 13 14 8 1 9 10 082 1 18 10 064 9 r 4 7 6 1 5 4 4 1 1 Totals 17,348 .£4,927,676 .£477,790 5 12 1 .£3,022 6 9 •£110,241-974 ,£146 3 2

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FIFTH SCHEDULE. Appendix No. 3. ASSURANCES FOR THE WHOLE TERM OF LIFE BY LIMITED AND SINGLE PREMIUMS. In force at 31st December, 1899.

23

li Age Jg-S attained. gS Amount assured. Bonus Additions. *h O d ° m O . ft f-i © t>» j3 Q-in © x< 10 ?! I 1 Office Annual Pbemiums. Net Premiums. Yearly Permanent Reduction of Premiums. Ordinary. Extra. 20 21 22 23 24 25 26 27 28 29 3O 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 5O 51 52 53 54 55 56 ■57 58 59 6O 61 62 63 64 65 66 67 68 69 7O 71 72 73 74 75 76 78 79 8O 82 3 4 3 3 8 6 8 5 9 10 8 16 8 £ s. d. 1,050 o o 650 o o 600 o o 700 o 0 2,100 o o 2,2OO O O 3,500 o o 1,700 o 0 2,900 o o 3,600 o o 2,650 O O 6,450 o o 2,150 o o 5,000 o o 2,500 O O 5,500 o o 2,250 o o 4.333 ° o 3,500 o o 3,600 o o 1,750 o o 3,200 o o 3,950 o o 2,807 o o 7,746 o o 8,464 o o 4,686 o o 5.955 o o 7,863 o o 8,449 0 o 11,737 o o 13,850 o o 15,072 o o 10,264 o o 12,639 o o 15,577 ° ° 18,914 o o 11,247 r 7 ° 24,044 o o 17,143 o o 10,728 o o 2O,882 14 2 15,063 o o 11,496 o o 9,042 o o 11,900 o o 5,785 0 o 4,749 o o 6,524 o o 4,227 o o 2,078 o o 5,813 o o 635 o o 3,407 o o 3, 000 o o . £ s. d. 270 7 10 o 200 5 10 o 58 4 o 160 1 o 89 13 o 35 1 ° 165 6 o 207 18 o in 6 o 763 14 o 207 8 o 371 10 o 248 12 o 560 6 o 274 19 o 625 11 o 330 16 o 492 12 O 81 7 o £ s. d. £ s. d. £ a. d. 12 6 13 7 7 11 8 6 6 1900 1901 1902 1903 1904 19 11 11 48-8 4 7-i 46-5 46-4 52-3 334 15 8 150 13 3 165 18 6 275 1 o 412 12 6 2 13 o 724 0 15 o 4 11 8 3 10 5 299-004 133-205 I43'°56 245'525 366-299 14 14 1905 1906 1907 1908 1909 10 6 17 7 14 43'i 38-8 42'9 37-0 43'i 162 13 8 100 3 3 306 6 5 125 9 7 303 13 6 1 15 o 1 6 8 172 120 142-478 82-992 258-543 i°5' I 34 259-402 I 14 8 9 12 19 21 14 14 19 16 3° 35 25 27 24 32 45 27 48 47 27 44 32 29 19 16 15 10 15 43 11 o 945 9 o 572 4 ° 1,074 n ° 1,024 6 o 718 2 o 1,310 4 0 1,647 8 o 2,237 X 3 ° 2,458 1 o 3.546 19 o 4,178 o o 2,301 15 o 3,532 14 o 4.303 13 ° 4,702 18 o 3,795 16 o 6,360 11 o 4.436 13 o 2,992 17 o 5,121 16 o 3> 6 93 4 o 3,863 11 o 3,256 16 o 1,917 6 o 1,462 19 o 1,031 14 o 1,854 18 o i,109 17 o 462 i o 956 14 o 197 10 o 796 18 o 1,018 11 o 1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 11 7 15 14 J 7 8 8 8 7 8 1 1 2 3 6 37'4 39-0 33'3 377 34'2 35'4 29-1 36-3 29-3 29-4 28-0 27-0 38-0 31-0 25-2 152 8 3 106 12 7 139 7 5 155 17 4 176 16 o 88 9 11 66 12 6 75 8 8 98 12 6 87 11 10 288 4 19 o 26 11 4 23 10 5l 47 9 9 2 18 4 7 16 8 o 12 6 o 10 4 126-578 91-169 113-698 132-566 147-624 74-116 53-827 63H73 80-667 72-066 1-966 3'932 22-2OO 19-227 38-143 I 19 II 1925 1926 1927 1929 1933 2 4 3 3 1 3°'5 31-0 320 297 35'° 17 5 o 27 4 4 22 14 10 25 15 2 2 11 6 13-647 21-934 18428 2I35 6 2-III 1934 1937 1939 1 1 1 35-o 22'O 20'0 2 12 8 3 18 4 3 14 8 2-170 3-028 2-846 13 7 10 5 9 3 6 1 1 3,900 o o 30 o o 500 o o 2,801 0 o 37 o o 500 o o 1,072 15 0 20 15 O 178 17 o 889 17 o II 2 O 4 1 1 103 4 o Totals 899 £385,388 112 £86,005 I O 255 39-2 £3,696 o o £36 1 1 £3,162-410 £3 14 7 s

24

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FIFTH SCHEDULE. Appendix No. 4. ENDOWMENT ASSURANCES. In force at 31st December, 1899.

Year of Maturity. Number Average of Ase Policies, attained. Amount assured. Bonus Additions. Office Annual Premiums. Ordinary. Extra. Net Premium. Yearly Permanent Year Reduction of of Maturity. Premium. £ 48,399 £ *• 7,932 16 £ *• *• 2,257 : 3 Io £ s. d. 19 16 11 £ 2,060-405 £ «■ * 1900 1900 177 53-o 1901 143 49-5 35,901 5,549 10 i,754 5 4 17 7 9 1,583-689 1901 1902 317 49- 1 74.185 12,051 13 3.194 3 I 26 13 11 2,888-909 10 6 o 1902 1903 339 48.2 67,129 9,881 19 2,921 19 11 18 18 4 2,646-139 3 9 4 1903 1904 3°3 46-6 7 T ,95i 10,431 18 3.233 19 8 25 12 11 2,924121 094 1904 1905 335 45'4 73,935 9,812 3 3,166 14 5 20 10 9 2,851-548 962 1905 1906 254 44"2 57,6i4 6,572 17 2,664 3 5 19 8 1 2,368-117 6 11 5 1906 1907 404 44-1 93,124 11,562 2 3,879 14 7 27 18 o 3.442-633 8 5 S 1907 1908 448 43'5 94,700 11,111 O 3.751 6 9 26 5 1 3.337-066 1 18 6 1908 1909 465 409 106,778 10,254 8 4.599 19 6 27 2 9 4,076-852 9 11 6 1909 igio 512 40-4 110,058 10,837 6 4,260 17 o 33 3 2 3,755-619 3 5 5 1910 1911 485 39-i 101,448 9,330 3 4,071 16 10 29 9 11 3,547-760 9 7 10 1911 1912 697 39'4 151,606 13,597 2 5,7 J 4 12 5 39 13 3 4,978-843 4 1 9 1912 1913 698 377 140,586 11,247 14 5,249 14 5 35 6 3 4,580-878 7 15 6 X 9i3 1914 775 36'o 154,717 10,084 17 6,036 14 9 30 10 3 5,243-049 3 7 2 1914 1915 719 36'0 144,844 9,088 16 5,276 16 .3 44 11 2 4,575-481 7 15 5 1915 1916 754 33-8 •145,549 8,766 14 5,329 10 11 32 11 3 4,562-622 4 19 8 1916 1917 781 32-9 156,348 8,148 2 5,614 2 11 18 o 3 4,808-087 4 12 4 1917 1918 927 317 180,772 6,929 19 6,607 11 o 20 o 2 5,653-746 3 16 o 1918 1919 1,008 3°'6 194,058 6,850 6 7,004 5 7 20 12 6 5,990-220 1 12 1 1919 1920 739 3°'4 143,350 5,643 6 4,749 16 10 18 6 2 4,032-152 ° 17 3 1920 1921 776 29-6 148,000 5,198 19 4,789 16 8 23 16 2 4,038-540 2 14 o 1921 1922 803 28-8 153,025 3,487 11 5,027 11 7 22 17 2 4,244-688 1 15 10 1922 1923 975 277 188,670 3,527 14 6,055 9 « 26 8 5 5,101-381 020 O 12 O 1923 1924 940 270 179,865 2,391 6 5.784 4 4 30 4 I 4,868-579 1924 1925 531 26'9 103,200 i,734 13 3, o6 4 3 3 11 15 8 2,552-37 8 058 1925 1926 479 26-1 97.750 1,130 10 2,866 6 9 11 11 9 2,387776 O28 1926 1927 536 25'3 102,775 789 o 2,949 7 5 9 3 9 2,447-575 1927 1928 653 25-0 127,875 1,015 4 3>585 19 5 22 10 9 2,967-013 190 1928 1929 652 23-6 126,075 637 17 3.510 5 5 11 8 4 2,900-573 030 1929 1930 1930 231 25'3 46,425 360 9 1,223 1 3 2 17 4 i,ooi-oi8 0 5 0 1931 154 25-0 31,450 188 19 809 19 7 4 12 2 660-415 I93 1 1932 148 24-2 30,426 73 11 764 9 11 3 10 o 621-599 1932 1933 151 24 - O 3i, o 59 70 16 762 6 o i 14 4 617-312 1933 1934 159 22'4 35,495 16 8 865 15 3 3 2 6 699616 1934 1935 53 23'6 10,478 38 6 244 2 2 o 18 o 195-058 1935 1936 3° 23'0 5,400 12 14 r24 10 6 I 12 O 98-680 1936 1937 32 22- 3 7,000 o 9 I 158 10 11 i 3 4 125-900 1937 1938 28 22'4 6,200 1 12 136 5 11 170 108,197 1938 1939 16 2O'6 3,600 8 19 76 17 10 1 16 8 60-408 1939 1940 8 23-3 41 10 o o 18 4 32-902 1940 1941 5 i8-8 800 o 6 15 13 2 I2-II8 1941 1942 3 177 550 10 13 4 8-210 1942 1943 4 I7'3 800 15 7 i° 11704 1943 1944 1 i6'o 100 1 18 o 1-434 1944 1962 1 i8 r o 300 506 3'693 1962 iinglePr'ms 91 437 13,444 1,645 17 Single Pr'm; Totals • • 18,740 88*4 £3,799,564 £218,015 11 £134,229 6 4 1745 6 7 £115,674703 £108 17 3

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25

FIFTH SCHEDULE. Appendix No. 5. DOUBLE-ENDOWMENT ASSURANCES. In Force at 31st December, 1899.

Appendix No. 6. NON-PROFIT SECTION (TRANSFERRED FROM TEMPERANCE SECTION). ASSURANCES FOR THE WHOLE TERM OF LIFE, WITH WHOLE-LIFE PREMIUMS. In Force at 31st December, 1899.

4—H. Ba.

Office Annual Pbemicms. Year of Maturity. Number of Policies. Average Age attained. Amount assured. Bonus Additions. Net Premium. Year of Maturity, Ordinary. Extra. 1905 1906 1907 1908 1909 1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 I93I 1932 1933 1934 2 10 9 5 6 13 26 10 15 M I 3 80 29 55 53 104 r 57 59 119 124 60 70 23 67 101 42'O 47-6 36-3 42'O 30-3 406 4°"3 401 337 33'2 34'4 33-2 32'O 299 31-4 302 297 290 269 262 27-1 270 251 239 238 253 25-5 257 203 207 £ 400 3,100 3,100 i, 000 1,400 2,900 6,626 2, 8OO 3,200 4,800 11,900 20,700 8,300 I2,8OO 12,OOO 24,000 38,7OO 15,400 3O,2OO 28,800 15,300 I9,IOO 5,7°° 18,100 28,300 14,900 8,400 1,900 6,900 10,900 £ »• 3 10 16 4 24 11 34 13 98 3 93 18 207 6 185 10 £ s. d. 35 8 o 272 3 5 272 10 o 88 6 o 123 4 5 159 7 o 358 o 6 151 16 3 175 2 o 262 13 9 450 3 7 782 19 11 314 12 5 481 10 5 451 1 o 686 5 10 1,104 15 0 438 12 8 860 2 o 819 11 o 342 9 11 427 14 8 126 5 10 405 7 6 632 18 8 272 7 6 154 9 9 34 14 6 126 o 1 198 16 8 £ *•<*• o 8 10 £ 32 - 8oo 254-200 254-200 82 000 H4'8oo 145725 331-650 140-700 160800 24I"2OO 410-550 714-150 286-350 441 ■ 600 414-000 612-000 986-850 392-700 770-100 734-400 298-350 372-45O 111-150 352-950 551-850 230950 130798 29-450 106-950 168950 1905 1906 1907 1908 1909 1910 1911 1912 1913 1914 I9I5 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 076 145 7 104 o t" S 8 45 34 6 28 4 1 157 J 3 48 17 Totals 1,418 28'6 £361,626 £1,119 12 111,009 10 3 £2 2 0 £9,874'623

Age attained. Number of Policies. Amount assured. Bonus Additions (allotted previous to transfer). Office Annpal Premiums. Ordinary. Extra. Net Premium. Age attained. 25 41 43 54 56 57 59 I x 1 1 1 1 1 £ 200 500 300 200 150 100 100 £ s. d. 21 o o 12 10 O 4 18 o 3 4 8 13 5 ° 6 14 6 584 4 4 4 3 13 10 3 2 8 2 - 4i6 11 -070 5'469 4'gi2 3-8i8 3214 2-872 25 41 43 54 56 57 59 3 10 O Totals 11,550 ill 18 0 £39 13 4 i'33'771

H.—Ba.

26

NOTE.— In addition to the above Values the full H M - 4i per cent. Cash Value of all existing ordinary Bonuses is granted.

Appendix No. 7. Table showing the Minimum Surrender Value of Policies for £100.

FIFTH SCHEDULE.

Approximate Cost of Paper.— Preparation, not given; printing (fi,376 copies), £39 12h. 6d.

By Authority : John Mackay, Government Printer, Wellington.—l9oo.

Price 9d.]

TABLE I. TABLE IIIu. TABLE IIIm. TABLE IIIm. By Equal Annual Premiums for the Whole Term of Life. Endowment Assurances payable in Fifteen Years, or at 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. 20 Years. 25 Years. 5 Years. 10 Years. 5 Years. ' 10 Years. 15 Years. 20 Years. 5 Years. 10 Years. 15 Years. 20 Years. 25 Years. £ s. a. £ s. d. £ s. d. £ s. d. £ s. d. £ s. d. £ s. d. £ s. d. £ s. d. £ s. d. £ s. a. £ s. d. £ s. d. £ s. d. & 8. d. £ s. d. 15 3 10 6 8 0 10 2 0 14 4 0 18 18 0 25 0 0 57 10 0 11 8 0 26 10 0 44 11 0 67 5 0 6 11 0 15 8 0 25 8 0 37 8 0 51 18 0 20 2 16 0 6 19 0 11 4 0 16 2 0 21 15 0 25 0 0 57 10 0 11 8 0 26 10 0 44 11 0 67 5 0 6 11 0 15 8 0 25 8 0 37 8 0 51 18 0 25 3 10 0 8 7 0 13 8 0 19 5 0 25 15 0 25 0 0 57 10 0 11 8 0 26 10 0 44 11 0 67 5 0 8 11 0 15 8 0 25 8 0 37 8 0 51 18 0 30 4 2 0 9 18 0 16 1 0 22 16 0 30 4 0 25 0 0 57 10 0 11 8 0 26 10 0 44 11 0 67 5 0 6 11 0 15 8 0 25 8 0 37 8 0 51 18 0 35 4 19 0 12 0 0 19 3 0 27 0 0 35 5 0 25 0 0 57 10 0 11 8 0 26 10 0 44 11 0 67 5 0 6 11 0 15 8 0 25 8 0 37 8 0 51 18 0 40 6 2 0 14 10 0 22 17 0 31 13 0 40 10 0 24 6 0 56 12 0 11 4 0 26 6 0 43 14 0 65 14 0 45 7 7 0 17 5 0 26 17 0 36 8 0 45 19 0 23 16 0 55 18 0 11 5 0 26 8 0 43 9 0 64 15 0 50 8 17 0 20 9 0 31 0 0 41 10 0 51 4 0 23 5 0 55 1 0 55 10 10 0 23 14 0 35 10 0 46 8 0 55 12 0 22 12 0 53 16 0 60 12 3 0 27 5 0 39 16 0 50 8 0 58 10 0 21 12 0 52 1 0