GOVERNMENT INSURANCE DEPARTMENT.

Appendix to the Journals of the House of Representatives, 1903 Session I, H-08b

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1903. NEW ZEALAND.

GOVERNMENT INSURANCE DEPARTMENT.

STATEMENTS IN CONNECTION WITH THE VALUATION OP LIABILITIES (FOURTH AND FIFTH SCHEDULES) FOR THE TRIENNIUM ENDING 31st DECEMBER, 1902.

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

WELLINGTON. 1903, 1—H. 8b.

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REPORT BY THE ACTUARY RESPECTING THE VALUATION OF THE LIABILITIES UNDEIi LIFE POLICIES AND ANNUITIES OF THE ■NEW ZEALAND dltaromfltt Insurance Ctoprtmcnt, 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, 1902. II. 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 1 ' 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 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 Children's Endowments without profits, Investments, and Deferred Annuities equivalent to the premiums paid accumulated at 4 per cent. Endowments, with profits, have been valued as sums pertain payable at the end of their respective terms, and mortality has only been taken into con-

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FOURTH SCHEDULE.

sideratiou 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 (1884), with .'H per cent. interest, and a further reserve has been made for annuities granted since 20th May, 1896, at increased rates, making the reserve for these equal to English Government Experience (1881), with 3 per cent, interest. In the case of annuity-assurances 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 34 per cent, interest. All policies have been valued separately in duplicate, and also in groups where practicable. (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 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 receive slightly smaller reversionary bonuses 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 M 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 M (Healthy Males) Table ; (2.) For Annuities, Finlaison's 1881. Government Annuitants Tables. 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 £42.983 per annum and valued at €559,087, has been reserved for future expenses and profits ; and in the ease 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 £9,138 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 4.

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FOURTH SCHEDULE.

CONSOLIDATED REVENUE ACCOUNT OF THE GOVERNMENT INSURANCE DEPARTMENT, Foe the Period commencing Ist January, 1900, and ending 31st Decembee, 1902.

£ a. A. £ s. d. £ s. d. Amount of Funds on ist January, igoo .. 2,997,681 o 4 Death Claims under Policies, Tontine Savings Fund No. 1, transferred at Assurances, including Bonus maturity .. .. .. .. 16,752 13 11 Additions .. .. 337,029 5 o Renewal Premiums .. .. .. 799,447 6 1 Endowment Assurances maNew Premiums .. ... .. .. 61,509 9 5 tared, including Bonus AdSingle Premiums .. .. .. 5,249 7 9 ditions .. .. .. 186,275 o o Consideration for Annuities granted .. 25,912 19 10 Endowments matured .. 3.947 19 J o Interest .. .. .. .. 426,890 6 2 Premiums returned on EndowFees .. .. .. .. .. 39 310 ments .. .. .. 116 17 6 Bonuses surrendered for Cash 28,915 1 1 Annuities .. .. .. 34,840 3 11 Surrenders, Ordinary .. 75,432 o o „ Tontine Policies at maturity of their Tontine Periods 25,375 910 Loans released by Surrender.. 55,428 510 747,360 3 o Commission, New .. .. 37,216 o 8 Renewal .. 6,171 9 1 43,387 9 9 Land and Income Tax .. .. 28,695 : 3 Expenses of Management— Salaries, Head Office .. 32,985 10 2 Branch Offices and Agents.. .. 18,596 1 5 Extra Clerical Assistance .. 6,536 15 7 Medical Fees .. .. 14,358 2 3 Travelling Expenses .. 2,602 5 6 . Advertising .. .. 3,033 18 1 Printing and Stationery .. 3,716 16 11 Rent .. .. .. 6,533 J 3 4 Postage .. .. .. 4,213 15 7 Telegrams .. .. 1,251 18 9 Exchange .. .. 266 2 3 Office Furniture Depreciation 950 o o General Expenses .. 7,776 7 3 Triennial Expenses .. 5,110 o 7 Compensation for loss of Office .. .. .. 507 9 6 108,438 17 2 Investment Reserve Fund .. .. 22,783 9 6 Amount of Funds on 31st December, 1902 .. .. .. .. 3,382,817 6 8 £4,333,482 7 4 £4,333,482 7 4

VALUATION BALANCE-SHEET OP THE GOVERNMENT INSURANCE DEPARTMENT, As at 31st December, 1902,

Dr. £ s. d.\ Cr. £ s. d. To Net value of Liabilities (as per Valuation By Accumulated Funds (as per Consolidated Summary) .. .. .. .. 3,214,409 o o Revenue Account) .. .. .. 3,382,817 6 8 To Surplus .. .. .. .. 168,408 6 8 £3,382,817 6 8 £3,382,817 6 8

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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 pages 6 and 7. 2. The net liabilities and assets of the Department, with the amount of surplus, are shown in the Valuation Balance-sheet given on page 4. 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, 1902, was £177,708 6s. Bd., of which amount £9,300 has been paid as interim bonuses during the triennium. (2.) The amount of profit divided among the policyholders as at the 31st December, 1902, was £167,932 10s., which has been converted into reversionary bonuses amounting to €290,073 los. The number of policies which participated was 41,500, assuring the sum of £9,824,540, or, including reversionary additions, £10,662,622. (3.) The following are specimens of the bonuses which have been allotted, for the three years ending the 31st December, 1902, to ordinary whole-life policies for £100 in the General Section upon which all previously allotted bonuses had been allowed to remain :—

(Bonuses 5 per cent, less than the above have been allotted to similar policies 111 the Temperance Section.) The cash values of the reversionary bonuses are computed by the H M Table of Mortality, with interest at 4i per cent. Morris Fox, Actuary. 31st March, 1903.

AGE- AT ENTRY, 20. AGK AT ENTRY, AGE AT ENTRY, 40. AGE AT ENTRY, 50. Number of Years in Force. Number of Years in Force. 31 ). Keversiouary Cash Bonus. Value. Reversionary Bonus. Cash Value. Reversionary Bonus. Cash Value. tteversionary Bonus. Cash Value. 5 10 15 20 25 30 £ s. d. £ s. d. 310 o 14 6 350 o 17 4 3 10 o 113 3 18 0 168 3 17 o 1 10 2 3 17 o i 14 o £ ■■ d. 3 1 ° 3 4° 380 312 o 3 16 o 400 £ s. d. 0 18 6 1 in 1 6 8 £ s. d. / s. d. 310 1 3 11 340 183 380 1 14 o 3 II O I 2 O 3 3 15 o I 2 7 2 3 19 o ! 2 14 8 £ s. d. £ s. d. 310 1 10 6 3 4 o 1 16 3 380,229 3 10 o 2 8 5 3 15 o 2 16 7 3 16 o 311 5 10 15 20 25 30 1 11 10 1 18 0 2 5 4

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FOURTH

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

PARTICULARS OF POLICIES FOK VALUATION. DESCRIPTION OF TRANSACTIONS, DESCRIPTION OF TRANSACTIONS. Number j Sums assured of and Policies. Bonuses. ASSURANCES. (1.) With Participation in Profits. £ s j Whole life Assurances : Uniform Premiums.. ! 14,854 1 4,713,403 19 o Whole-life Assurances: Limited Single and j 859 ' 454,309 13 2 Commuted Premiums Endowment Assurances .. .. .. 23,418 4,953,949 17 o Endowment Assurances: Limited Single and 104 23,852 iS o Commuted Premiums Double-endowment Assurances ... .. 1,788 449,052 4 o Joint-life Assurances .. .. .. 7 3,201 18 o Survivorship Assurances .. .. 2 825 18 o Annuity Assurances: Temporary Assurance, 246 : 34,744 6 o with Deferred Annuity Annuity Assurances: Whole-life Assurance, 222 29,281 16 o with Deferred Annuity Reserve for Extra Premiums Number of Policies. Annuities. I £ s. d. I2,35O 15 II j j 11,717 12 6 [ IOffice Yearly Ordinary. £ •■ d. 109,238 19 5 2,939 16 6 164,492 19 10 276 ' 5 13,824 18 2 132 18 o 22 12 o 1,714 9 o 1,631 6 6 Premiums. Extra (not valued). £ s. d. 2,4°4 J 5 7 22 12 5 849 3 1 220 742 2 10 o Additional Reserve of Loading Total Assurances with Profits .. 41,500 10,662,622 9.2 24,068 8 5 I 24,068 8 5 ■2i 294,274 0 10 i94,2'4 0 10 3,288 7 3 (2.) Without Participation in Profits. Whole - life Assurances (transferred from 3 18 o Temperance to Non-profit) Industrial Assurances .. .. .. 6 11100 Temporary Assurances .. .. .. 17 3,900 o o Reserve for Extra Premiums 22 14 6 2 12 o 67 18 9 22 14 6 >- 2 12 o 67 18 9 95 o o Total Assurances without Profits ! 28 I 4,965 18 0 4,965 18 0 I 93 5 3 93 5 3 95 0 0 Total Assurances ... 41,528 10,667,588 7 2 41,528 10,667,588 7 2 24,068 8 5 24,068 8 5 294,367 6 1 294,367 6 1 3,383 7 3 ENDOWMENTS. (1.) With Participation in Profits. Endowments: Premiums returned at Death.. i 188 ' "44-000 Endowments (Single Premiums) .. .. g i'27S o o Endowments: Premiums cease at Death of g 0 7*000 o o Purchaser 188 60 24,450 o o 1,275 o o 7,000 o o 928 3 4 291 4 1 028 3 4 291 4 1 Total Endowments with Profits 256 ! 32 725 0 0 256 32,725 0 0 1,219 7 5 32,725 0 0 1,219 7 5 (2.) Without Participation in Profits. Endowments: Premiums returned at Death.. 2 g g Q Q Investments £ I2 , 269 52 32,659 o o 1,687 I2 J 1,155 6 2 54 10 8 32,659 o o 1,687 I2 J i,i55 6 2 54 io 8 Total Endowments without Profits 321 34. 345 \2 1 321 34,346 12 1 1,209 16 10 1,209 16 10 Total Endowments 577 67,071 12 1 577 67,071 12 1 2,429 4 3 2,429 4 3 ANNUITIES. I Without Participation in Profits. Immediate Deferred .. .. .. .. 29 | j Additional Reserve for Annuities 293 8 12,117 J 6 3 205 9 8 12,117 16 3 205 9 8 75 15 1 * * 75 15 i Total Annuities ... ... 3Q1 301 12,323 5 11 12,323 5 11 75 15 J 75 15 J Total o* tne (Policies 42,105) mvcMRRQia q Results ( Annuities 3Q1 J "V^i" 09 IM " 42,105 I 301} 10,734,659 19 3 36,391 14 4 296,872 5 5 36,391 14 4 296,872 5 5 3,383 7 3

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SCHEDULE.

NEW ZEALAND GOVERNMENT LIFE INSURANCE DEPARTMENT, December, 1902.

Net Yearly Premiums. Reduction of Premiums. VAI MATinW' I Assur£ i n ces by the Institute of Actuaries H m Table ; VnLUn I \\)n . \ Immediate Annuities by English Government Annuitai AsZd Office Net and Annuities. Yearly Yearly Bonuses. Premiums. Premiums. its (1884) Tal I Interest, iles ; J3jper Cent Reduction of Premiums NET LIABILITY. £ 94,0536 2,4979 £ s- d. 153 4 6 12 411 £ 2,544,189 278,802 1 £ 1,386,802 17,018 £ 1,174,814 14-179 1,690 61 £ 1,371,065 264,684 138,9967 2158 104 13 9 2,940,445 14,808 i>903.132 3,565 1,584,278 2,780 729 1,356,896 12,028 12,232-9 IIO'I 181 1,604-3 209,550 1,933 198 6,708 26,811 175,955 1.463 118 28,831 154,482 1,206 89 27,097 55,068 727 109 6,422 1,5649 9,656 23,268 28,202 27,121 5,803 1,056 1,056 2,986,046 Deduct 9,138 3,073,858 Add 9,138 251,294-3 270 3 2 6,007,345 50,079 3,545,086 2;976,908 2,480 3,082,996 I9'5 505 296 249 256 35 26 25 35 26 25 19-5 591 296 249 342 251,313-8 270 3 2 6,007,936 50,079 3,545,382 2,977,157 2,480 3,083,338 828-8 1,537 853 4»3 i>537 853 483 2593 2,873 1,088-1 2,873 15,127 i,54 6 15,127 1,546 16,673 16,673 1,0881 19,546 19,546 107,918 1,899 1,708 107,918 1,899 1,708 111,525 111,525 252,401-9 270 3 2 6,027,482 161,604 3,545,382 2,977,157 2,480 3,214,409

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H IE P O !R T BY THE In terms of Section 43 of "The Government Insurance and Annuities Act, 1874." (See sth Schedule.)

STATEMENT OF THE LIFE ASSUEANOE AND ANNUITY BUSINESS OF THE GOVERNMENT INSUEANCE DEPARTMENT ON THE 81ST DECEMBEB, 1902. -■—waaOOOOaamxar-.

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 Nos. 3, i, 5, and 6.

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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 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: —

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

Class of Assurance. % 3 So Sums assured. Reversionary Bonuses. Annual Premiums. Total Ordiuar; Premiums Eeceived. Ordinary. Extra. With Profits. £ s. d. £ *■ d - £ '■ i- £ s. d. £ s. 4. Endowment Assurances .. 23,522 4,735.8i9 o o 241,983 15 o 164,769 i 3 849 3 1 i,3°3,255 9 5 Double Endowment Assurances 1,788 445,690 o o 3,362 4 o 13,824 l8 2 220 56,246 19 2 Joint Assurances .. .. 7 3,000 o o 201 18 o 132 18 o 742 1,127 r 7 9 Survivorship Assurances .. 2 700 o o 125 18 o 22 12 O 2 10 o 253 1 10 Annuity Assurances .. .. 468 63,250 o o* 776 2 O 3,345 15 6 11,764 3 of Endowments : With return .. ; 196 25,725 o o 928 3 4 2,372 18 3 Endowments : Premiums ceas- I 60 ing on death of purchaser .. ! 7,000 o o 291 4 1 536 1 11 Without Profits. 1,687 I' 2 ! 54 10 8 1,031 o 10 Investments .. .. 52 Endowments : With return .. 269 32,659 o o 1,155 6 2 11,956 17 11 Industrial Assurances .. 6 III O O 2120 52 17 4 Temporary Assurances .. 17 3,900 o o 67 18 9 95 o o 89 13 1 Totals .. .. 26,387 26,387 £5,319,541 12 1 £246,449 17 0 £184,594 19 11 £955 19 3 £1,388,687 0 6 ♦ And deferred annuities for 8s. f These amounts are also given under " 5d. Deferred Annuities " in answer to Question 8.

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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. attained. Female. Male. 28 31 37 42 43 45 46 47 48 50 51 52 53 54 55 56 57 5 8 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 83 85 8 7 .. .. ■ ■ '' i £ s. d. £ s. d. 25 16 8 58 170 1664 30 o o 48 o o I2OO 27 II 8 ... 32 o o [6 o 87 9 10 50 o 10 40 ro o 209 04 j 00 4 o 12 2 8 300 o o 35 4 2 33 1 8 5J o o 14 13 4 147 15 8 55 o o 139 10 4 74 8 4 176 5 4 135 8 4 191 5 4 47 o o 440 o 2 108 18 o 182 17 o 183 1 8 521 6 11 89 16 8 295 16 2 86 19 10 341 10 4 149 17 o 152 o o 12 13 8 372 9 o 51 8 10 ■ 161 12 3 3,92 6 8 112 7 o 230 5 2 20 3 8 258 6 1 352 o o 541 14 o 116 5 1 484 18 6 45 14 8 528 10 10 270 8 4 175 o o 771 19 S 103 5 10 269 1 2 100 70 41 16 6 63 12 o 57 3 4 269 o 2 204 4 8 159 18 2 77 1 1 55 18 8 18 16 o 64 o o Totals . . ■ • £ £3,250 19 8 33,2 250 19 8 £7,87119 11 £7,87119 11 I Joint anil Survivorship. Agee attained. Female Male. Amount of Annuitj. 54-5° • • ■ ■ J I 59-51 .. .. I I 63-29 . . . . 2 63-63 . . . . I I 69-65 . . . . J I I 70-69 . . . . I I 75-60 .. .. I I 81-76 .. .. 2 84-82 . . . . I I 86-74 •• •• : I Total .. £ s. d. 200 o o 78 8 o 1000 6 5 13 4 193 1 o 130 o o 33 11 8 200 o o 36 2 8 48 o o £994 16 8 £994 16 8

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F/F77/ SCHEDULE. Question 8. —The amount of ail 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 : — r s d 1900 ... ... ... 4 9 3 1901 ... ... ...485 1902 ... ... ... 4 8 6 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 are given in Appendix No. 7. 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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Class of Annuity. Amount of Annuities. Annual Premiums. Total Premiums Single received to Premiums, 31st December, 1902. Deferred (Premiums not returnable) 185 9 8 £ s. d. 69 14 7 £ s. d. £ s. d. 1 1O56 63 i ,464 17 2 ; Deferred (Premiums returnable) 20 o o 606 1,714 9 o 30 2 6 94 17 6 : 6,190 14 1} Deferred (Annuity-Assurances)* 12,350 15 11 Deferred (Annuity-Assurances)f .. 11,717 12 6 1,631 6 6 41 16 8 j 5,573 8 11} Totals £3,42110 7 £1,193 0 5 £13,259 2 8 £24,273 18 1 * And temporary assurances foi £34,300. iiiestions 5 and 6. t And whole-life assurance! for £28,950. t These amounts are also given in answer to

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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 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. 31st March, 1903.

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FIFTH

Appendix No. 1. THE PUBLISHED TABLES OF PREMIUMS.

Class of Assurance, with Participation in Profits. A i! e Age l<5. Age 17. Age 18. Age 19. Age 20. Age 21. Age Age SB. Age 24. .£& Ifc is* o o j> (H y: rt A Annual premium during the whole term 1! s Single payments Annual premiums,— B 10 Limited to 10 years B 15 ., 15 ,. B 20 ., 20 B 25 „ 25 ... B 30 „ 30 „ B35 • 35 » •• £ s. d. 1 11 3 30 7 o 4 1 8 2 19 9 2 9 1 2 2 11 1 19 o 1 16 4 I 12 2 31 i o 4 3 6 3 1 1 2 IO 3 2 3 II i ig 11 1 17 2 £ »■ d. 1 13 1 31 15 ° 4 5 4 3 2 f. 2 11 4 2 4 II 2 O IO I l8 I £ s. d. 1 14 o 32 8 o 4 7 1 3 3 9 2125 2 5 II 2ig i 19 o £ s. d. 1 14 10 33 o o -487 3 4 i 1 2 13 5 269 227 1 19 9 £ s- d. 1 15 7 33 12 o 4 9 10 3 5 11 2 14 2; 276 2 3 3 205 £ s. d. 1 16 5 34 3 o 4 11 4 3 7° ' 2 15 2 284 240 212 £ 8. d. I 17 2 34 14 ° 4 12 6 3 7 IO 2 15 11 290 248 2 1 9 £ s- d. I 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 I? ° 4 15 4 3 10 o 2 17 8 2 10 8 262 2 3 3 ■a a ■3 c I u .£ 'o ■g a 13 I si £ = I y 5 C 0) _o Annual Premiums, — Payable for 10 years .. g g i ii .. 8 io 3 „ 12 . . 7 14 8 13 - • ■ ' 7 1 6 14 ., . . 6 10 3 g 9 8 8 10 io 9 10 4 8 11 5 7 15 9 727 6 11 4 g 10 11 8- 12 o 7 J 6 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 r 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 I 6 12 10 7 15 2 720 6 10 9 15 „ ..'606 16 .. j 5 12 1 17 ,. .. ! 5 4 8 18 » .. 4 18 I 19 » .. j 4 12 3 610 5 12 7 5 5 2 4 18 7 4 12 g 6 1 7 5 13 1 5 5 8 4 19 1 4 13 3 620 5 13 7 5 6 2 4 19 7 4 X 3 9 6 2 5 5 13 11 566 4 19 11 4 r 4 1 628 5 14 2 5 6 9 502 4 14 4 6 2 g 5 H 4 5 6 11 5O4 4 14 6 6 2 11 5 H 5 5 7° 506 4 14 8 630 5 14 7 5 7 2 5°7 4 14 10 6 3 2 6 14 9 5 7 4 5 o 10 4 15 ° 20 „ ..471 21 ..425 22 .. 3 18 2 23 „ .. 3 14 4 24 .. 3 10 11 4 7 7 4 2 11 3 18 8 3 14 10 3 n 4 4 8 1 4 3 5 3 19 2 3'5 4 3 11 10 486 4 3 10 3 19 7 3'5 9 3 12 4 4 8 10 442 400 3 16 2 3 12 8 4 9 1 4 4 5 4°3 3 16 5 3 12 11 4 9 4 448 405 3 16 7 3 13 2 496 4 4 10 407 3 16 10 3 13 4 498 450 409 3 17 o 3 13 6 4 9 10 4 5 2 410 3 17 2 3 13 9 c 25 „ ..378 „ 26 „ ..34 10 27 .. j 3 2 2 28 2 ig g „ 29 -/ . 2 17 6 3 8 2 3 5 4 3 2 8 3°3 2 18 o 388 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 3 6 7 3 4° 3 1 6 2 19 4 3 9 9 3 611 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 ° 1 3 10 5 3 7 7 3 4 11 3 2 6 3°4 3 10 8 3 7 IO 3 5 2 3 2 10 308 30 » ■ • i 2 15 5 31 • 2 13 6 32 » .. : 2 11 g 33 » .. ! 2 10 1 34 » ■• i 2 8 7 2 15 11 2 14 o 2 12 3 2 10 7 291 2 16 5 2 14 6 2 12 9 2 II 1 2 16 10 2 14 11 2132 2 11 7 2 10 1 2 17 3 2 15 4 2 13 7 2 12 o 2 10 6 2 17 2 15 8 2 13 II 2 12 4 2 IO IO 2 17 10 2 15 11 2 14 2 2 12 7 2 11 1 2 18 1 2 16 2 2 14 6 2 12 10 2 11 5 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 1 297 35 » •■ 2 7 2 36 „ .. 2 5 10 37 » •■ ! 2 4 7 38 . .. ! 2 3 6 39 , . . i 2 2 5 40 „ ..215 2 7 8 264 2 5 1 240 2 2 II 2 2O 282 2 6 10 2 5 8 246 2 3 6 226 288 274 262 250 240 2 3 1 2 g 1 279 2 6 7 2 5 6 246 236 2 9 5 2 8 2 27O 2 5 10 2 4 IO 2 3 11 299 286 2 7 4 263 2 5 3 244 2 10 1 2 8 10 2 7 8 2 6 7 2 5 7 2 4 8 2 10 5 292 280 2 6 11 260 2 5 i[ 2 10 9 296 2 8 5 2 7 4 265 2 5 7

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SCHEDULE.

Which were in Use on the 31st December, 1902

Age Age Age 26. 27. 28. 1 Age is. i ! 1 A ! e Age ■29. Age 30. Age SI. Age 32. Age 34. Age Age 3.5. Sβ. Age 37. I I I / 8. d. \£ S. d. J 2 12 4 2 14 O A £ s - d - 1 19 11 £ s. d. £ s. d. £ s. d. 2 O II! 2 2 O 2 3 I £ s. d.| 2 4 3 / •■ d. 2 5 5 £ s. d. 268 u •■«»■ 280 £ *■ d - 294 £ ■■ d. 2 10 ioj / •■ d. 2 15 8 A Bs 36 10 o 37 3 °37 16 038 10 o 1 39 4 °j 39 19 o 40 13 o 41 8 o 42 4 o 42 19 o 43 l6 O44 12 O 45 9 o Bs B 10 B15 B 20 B25 B 30 B35 4 17 o 3 11 3 2 18 9 2 11 7 2 7 I 242 4 18 75 o 35 1 11 3 12 5 3 13 9 3 '5 ° 2 19 93 o 10 3 1 11 2 12 6 2 13 6 2 14 6 2 8 02 8112 9 10 2 502602(3 11 5 3 8 , 3 16 4 3 3 1 ' 2 15 7 1 2 IO II 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 1 2 12 11 2 10 o 5 9 1 1 4 ° 5 368 ■ 2 18 10 5 10 XI .4 L IO 3 7 10 I 3 O O 2 15 2 2 12 3 513 » 4 3 5 3 9 3 3 ! 4 2 16 6 2 13 7 5 15 °| 5 17 2 45O468 3 10 7J 3 12 2 3 2 7! 3 4 o 2 17 9! 2 19 2 2 14 10 2 16 3 5 19 3 4 8 4 3 13 7 3 5 4 3°7 2 17 9 B 10 B15 B20 B25 B30 B35 2 14 1 1 2 11 1 :erm of Years. 10 11 12 9 13 3 8 14 5 7 18 10 7 5 8 6 14 6 ; 9 13 6 8 14 8 1 7 19 1 1 7 5 11 .6 14 9 9 13 9 8 15 o 7 19. 4 763 16 15 1 9 14 o 8 .15 3 7 19 8 766 6 15 5 9 14 4 8 15 7 800 7 6 11 6 15 9 9 14 8 9 15 o 8 15 11 8 16 3 804809 7 7 3 7 7 8 6 16 1 6 16 6 9 15 4 8 16 7 8 1 1 7 8 1 6 16 11 Term of Years. 10 9 12 o 9 12 3 8 13 I 8 13 4 7 17 6 7 17 9 7 4 4; 7 4 6, 6 13 1 f> 13 4 9 12 6 8 13 7 1 7 18 o ,7 4 10 ! 6 13 7 9 12 9 8 13 11 7 18 3 7 5 1 6 13 11 1 9 13 o 8 14 2 7 18 6 7 5 5 6 14 2 11 12 13 14 13 14 15 16 635638 5 M 11 5 15 3 5 7 7 5 7 1°! 5 1 1 5 1 4; 4 15 3 4 15 6 6 3 11 5 15 6 J 5 8 2 518 4 15 10 6 4 3 5 15 10 5 8 5 5 1 11 4 16 2 646 1 5 16 1 589 523 4 16 6 6 4 10 5 16 5 5 9 1 527 4 16 10 1651 i 5 16 9 5 9 5 5 2 11 1 4 17 2 6 5 5 5 17 1 5 9 9 5 3 3 4 17 7 C 5 9 5 17 5 5 10 I 5 3 8 4 18 o 0 6 1 5 '7 I0 5 Io 6 5 4 1 4 18 S 6 6 6 6 6 11 5 18 3 5 18 8 5 10 11! 5 11 5 5 4 7 5 5 1 4 18 11 4 19 5 6 7 5 5 19 2 5 11 11 5 5 7 500 15 16 17 18 17 18 19 '9 20 21 22 4 IO I 4 IO 5; 4 5 5 4 5 9 4 1 3 4 1 7 3 17 6 3 17 10 3 14 1 3 14 5 ; I 4 10 8 4.6 1 4 111 3 18 2 3 J 4 9 4 II 0 4 6 5 423 3 18 6 3 15 * 4 I 1 5 469 428 1 3 18 11 ■; 3 15 7 4 11 9 4 7 2 4 3° 3 19 4 3160 li 4 12 I 476 '435 3 19 9 1 3 I 6 5 4126 4 7 11 4 3 10 402 3 16 10 4 12 11 4 8 5 4 4 4 408 .! 17 4 4 '3 5 4 8 10 4 4 10 4 1 2 3 : 7 " 4 13 "! 4 H 5 4 9 5 4 9 n 4 5 4 4 5 11 4 19424 3 18 6 3 19 2 4 15 ° 4 10 7 467 4 3O 3 19 10 20 21 22 23 24 23 24 25 26 27 28 3 10 ill 3 11 4 381386 3 5 6 3 5 11 332336 3 1 °; 3 1 5 3 11 8 3 8 10 3 6 4 3 3 11 3 1 10 3 12 1 3 9 3 369 3 4 5 323 3 12 6 3 9 8 '37 2 3 4 10 329 3 12 11 3 i° 2 3 7 » 3 5 4 3 3 3 3 13 4 i 3 10 7 382 3 5 10 3 3 9 3 13 10 311 2 388 ■3 6 5 3 4 4 3 i4 4 3 11 8 J 9 3 J 7 ° 3 5° 3 M 11 3 12 3 3 y i° 3 7 8 3 5 8 3 15 7l 3 16 3 3 12 11 3 13 8 3 10 6 3 11 3 3 8 4; 3 9 2 3 & 5; 3 7 2 3 17 ° 3 14 5 3 12 1 3 9 11 3 8 1 25 26 27 28 29 29 3O 3i 32 33 34 I 2 19 o| 2 19 5 2 17 2 2 17 7 2 15 6 2 15 II 2 13 II 2 14 5 2 12 6 2 13 O 2 19 10 2 18 1 2 16 5 2 14 11 2 13 6 3 ° 4 2 18 6 2 16 11 2 15 5 2 14 o 3 o 10 2 19 1 2 17 5 2 16 O 2 14 7 3 1 4 2 19 7 2 18 o 2 16 7 2 15 3 3 1 11 302 1 2 18 7 2 17 2 2 15 II 3 2 6 3 o 10 2 19 3 2 17 10 2 16 7 3 3 2 \ 1 6 300 2 18 7 2 17 4 3 3 10 323 3 ° 9 2 19 5 2 18 2 3 4 7 3 5 6 3 3 ° 3 3 11 3 1 7 3 2 6 303313 2 19 1 3 o 1 364 3 4 10 3 3 6 323 3 1 2 3° 31 32 33 34 35 36 37 38 39 40 2 II 2 2 II 8 2 IO O 2 IO 6 2 8 ir 2 9 5 2 7 10 2 8 5 2 6 11 2 7 6 261268 2 12 3 2 11 1 2 10 o 212 9 2 11 8 2 10 7 298 289 280 2 13 5 2 12 3 211 3 2 IO 4 296 2 8 8 2 14 o 2 12 11 2 11 11 2 II O 2 IO 2 296 i 2 14 8 2 13 8 2 12 8 1 2 II 9! 2 11 O ■2 15 5 2 H 5 2 13 5 2 12 7 1 2 11 10 2 16 3 2 15 3 2 14 4 2 13 6 2129 2 12 1 2 17 I 2 16 1 2 15 3 2146 2 13 9 2 13 2 I 2 18 Ij 2 ly 1 2 17 I 2 18 2 2 l6 3 2 17 4 2 15 6 2 16 8 2 14 ro 2 16 o 2 14 3 2 15 6 3 o 2 2 19 3 2 18 6 35 36 37 3« 39 40 290 281 274 2 17 10 2 17 3 2 16 9 i 2 IO 3 2 11 2

H.— Bb.

FIFTH

Appendix No. 1-continued. THE PUBLISHED TABLES OF PREMIUMS

16

I Class of Assurance, with Participation in Fronts. Age 38. Age 39. Age 40. \f Age 42. Age 43. Age 44. Age 45. Af,'e 46. ■f $*| . I £ s. d.j £ s. d. £ s. d. £ s. d. £ s. d. £ s. d.l £ s. d.L s. d. f e. d. £ s. d. '. £ o< A Annual premium during 2 17 5| 2 19 33 1 33 3 43 5 73 7 11 3 10 6 ! 3 13 2 3 16 o! 3 19 ! v ■§ SS whole term c jjj'j; Bs Single payments ••Uβ 6 0,47 4 048 2 049 1 o 50 o 051 o 052 o 053 1 054 2 055 4 o i-i **" rt I -T3 1 Annual premiums, <;oj B io Limited to 10 years .. 6 1 6 6 3 81 6 6 16 8 6611 ii t> 13 Si 6 16 6 6 19 4; 7 2 47 5 6 "V(U. B 15 „ 15 „ .. 4 io 1! 4 11 10 4 13 9 : 4 15 8 4 17 9I 4 19 10! 5 2 2 5 4 6 5 6 11 5 9 7 « °. B20 „ 20 „ .. 3 15 i: 3 16 8 3 18 5, 4 o 2 4 2 o: 4 4 o 4 (> 2 4 8 4 4 10 8] 4 13 2 -; urn 13 25 „ 25 „ .. 3 6 10 3 8 4| 3 10 o 3 11 9 3 13 7 1 3 15 6 3 17 83 19 10 4 2 2 4 1 9 0 o Jj B 30 „ 30 „ .. ; 3 2 o 3 3 7 3 5 3; 3 7 o 3 8 11 3 10 10 3 13 1 3 15 4 a « * B 35 „ 35 » .. 2 19 3 3 o 10 3 2 7! .. W ! I - j |_ I I j Annual Premiums, — Payable for 10 years .. y 15 8 9 [6 o 9 16 5 9 u> 11 9 17 6 g [8 1 9 iS 10 9 19 810 o 610 1 5 11 „ .. 8 16 11 8 17 4 8 17 9 8 18 3! 8 18 11 8 19 7| 9 o 4 9 1 2 9 2 i g 3 o o> „ [2 * .. : 8 1 6 8 1 11 8 2 4! 8 2 11 [ S 3 6j 8 4 3' 8 5 o 8 5 11 8 6 10 8 7, 10 S » '3 » •• 7 s 5 7 < s " 7 9 5 7 1O o 7 10 81 7 11 5! 7 12 ji 7 13 27 14 1 7 13 2 ■ ;g „ 14 „ .. 6 17 5 6 17 io : 6 is 5 6 19 o (> n) s 7 o (j 7 1 4: 7 2 4! 7 j 4I 7 4 5 5 ! g „ 15 „ .. 6 7 10 6 8 5| 6 8 ii; 6 9 7 6 10 4 o j [ 2 6 r2 o f> 13 1 6 14 I 6 15 } ft „ 16 .. 5 19 8 6 o 2! 6 o 9 6. 1 5 6 2 2 6 3 1 6 4 o| 6 5 1 6 6 2! 675 17 „ . . ! 5 12 5 5 13 oj 5 13 8 5 14 4 5 15 2 5 16 o 5 17 oj 5 18 2 5 19 4 6 c> 7 \ *~ " 18 „ .. i 5 6 2 5 6 9! 5 7 5 5 8 1 3 8 1 r 5 9 11 5 [O if: 5 tj [ 5 13 4 514 8 £ „ 19 „ .. 50651 2 5 1 io[ 5 2 8 5 1 6 5 q 6 5 5 7 5 6 10 5 8 1 5 g 6 20 „ .. 4 15 7 4 16 3 4 17 o 4 17 k> 4 18 94 19 9 5 o 11 5 2 25 3 6 5 5 o 21 „ .. [ 4 11 J 4 II ill 4 12 8413 4414 (> 4 15 7 4 16 9418 1 4 19 i>5 1 0 6 u „ 22 „ .'..j 4 7 3 4 8 o 4 8 9: 4 g 8 4 h> 8 4 » 10 | 13 I: 4 14 64 15 11 4 17 7 -• c „ 23 „ .. J 4 3 9; 4 4 6 4 5 4 4 6 3 4 7 4 4 8 6 4 9 10 4 11 3 4 12 10 4 14 (> o a » 24 „.. 4 o 7; 4 1 5 4 2 3 4 3 3 4 4 4 4 5 7 4 7 o 4 8 6 4 10 1 4 11 10 C -„ 25 „ .. 3 17 9 3 18 7 3 19 6 4 o 7 4 1 8 4 31 . o| 4 4 5| 4 6 oj 4 7 8 4 9 6 £ « „ 26 „ . . 3 15 2 3 16 1 3 17 13 18 2 3 19 4 4 0 8 4 2 2; 4 3 9 4 5 6 4 7 5 3-a „ 27 „ .. 3 12 11 3 13 10 3 14 10 3 16 o 3 17 3 3 18 84 o 24 1 10 4 3 84 5 7 %. S » 28 „ .. 3 10 10 3 11 IO! 3 12 11 3 14 [3 15 ) 3 16 10 3 18 54 o 24 2 04 4 o o g „ 29 „ .. 3 9 o 3 10 o, 3 11 1 3 12 4 3 13 8 3 15 2 3 16 10, 3 18 84 o 7 428 30 „ ■■ 3 7 4 3 s s! 3 9 7 3 10 10 3 12 3 3 13 9 3 i=, 6 3 17 4 3 19 4 4 1 7 v „ 31 „ .. 3 5 10 3 6 11 3 8 2 3 9 6 3 10 l! 3 12 6 3 14 4! 3 16 3j 3 18 14 o 7I 3 2 » ■ • 3 4 6 3 5 8 | 3 6 11 3 8 3 3 9 9 3 u 5 3 3 3 15 3 3 =7 5 3 19 9 33 » •• 3 3 4 3 4 6 3 5 [ ° 3 7 3 3 s 9 3 Io " 3 12 5 3 14 5 3 '" s n „ 34 »•• 3 2 3 3 3 6| 3 4 10 3 6 4 3 7 n, 3 9 8! 3 11 8 3 13 y S » 35 « • • 3 ' 4 3 2 7 3 4 °j 3 5 6 3 7 2 3 9 o 3 11 o : 36 „ .. 30 63 I 10 3 3 33 4 10 3 6 63 8 5 Age g „ 37 „.. 2 19 9 3 1 2 3 2 7: 3 4 3 3 6 o Age > '-«• o 38 „ .. 2 19 2 3 o 7 3 2 1 3 3 9 - J ; j * 3 3 "§ . 39 . •• 2 18 7 3 o 1 3 1 7 T- Age - 4 J 2 3 .-, y Age ; '°- 40 ..." 2 18 2 2 19 7 Age SJ; 258248238 Ag e 33. 2 6 u 2 5 10 2 4 11 2 3 11 I Age : "- 2 8 3: 2 7 2 2 6 1 2 5 2 2 4 3. S4 29 728 627 51 26525 624 8 Age 2 11 12 9 11 2 8 92 7 92 6 10 2 5 11 2 5 i Vge 36. 2 ii 7 2 u 4 2 10 32 9 2J 2 8 22 7 32 6 42 5 6 Age :i7. 2 14 3 2 12 ii 2 11 9 2 10 72 9 72 8 72 7 82 6 10 2 6 1 38. 2 15 11 2 14 7 2 13 4 2 12 2 2 n o 2 10 02 9 12 8 32 7 51 2 6 71 2 17 9 2 16 4 2 15 o 2 13 9 2 12 7 2 11 6 2 10 72 9 82 8 10 2 8 o! 2 7 3 Age 38. 2 17 9

17

H.— Hβ

SCHEDULE.

3—H. Bb.

Which were in Use on the 31st December, 1902

Age 48. Afie 49. Age 50. Age 51. Age 52. Age 53. Age 54. Age 55. Age Sβ. Age 57 Age 58. Age 59. Age fill. £ ■■ d. 423 £ S. d. 4 5 7 £ s. d. 492 £ 8. d. 4 13 ° £ ■■ d. 4 17 2 £ s - d - 5 1 7 £ •■ d564 £ s. d. 5 11 5 £ "■ d. 5 16 11 / s. d. / s. d. 6 2 10 6 9 2 £ s- d. 6 16 1 £ s. d. 7 3 7 A A B» 56 5 0 57 7 o 58 10 o 59 13 ° 60 16 o 62 o o 63 4 °i 164 9 o 65 14 0! 166 19 o|68 4 o 69 10 o 70 16 o B B B 10 B15 B20 B25 B 30 B35 788: 5 12 3 4 15 9 4 7 4 7 11 10 5 15 o 4 18 4I 4 10 1 7 15 2 5 17 10 512 4 13 ° 7 18 8 6 o 11 5 4 3 8 2 5 6 4 3 5 7 6 863 679 5 11 o 8 10 3 6 11 5 5 14 8 8 14 6 6 15 3 5 18 8 8 19 o 6 19 6i 938987 7 3 11 7 8 6 9 13 10 7 13 6 ' 9 19 4 7 18 11 B 10 B15 B20 B25 B 30 B35 •■ Perm of Years. Term o: Years. 10 11 12 10 2 41 940: 8 8 11 7 16 3, 7 5 7: 10 3 4 9 5 1 8 10 o 7 17 6 7 6 11 10 4 5 963 8 11 3 7 18 9 7 8 3 io 5 8 9 7 6 8 12 81 8 o 3 7 g io 10 7 o 9 9 o> 8 14 3! 8 1 Hi 7 11 7! 10 8 7 9 10 8 8 16 o 8 3 9 7 I 3 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 9 5° 8 13 3 S 3 6 10 19 3 10 1 11 9 7 io ! 8 16 3 867 11 2 1 10 4 11 ''■ 9 10 11 8 19 5 8 10 o 11 5 2 10 8 i| 9 14 4J 9 3°! 8 13 9 10 II 12 13 13 14 15 16 17 18 19. 6 16 G 6 8 8 620, 5 16 I 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 M 6 7 i o 6 13 5 6 6 ii 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 6 1 2 772 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 M 3 6 10 o 7 15 3 7 8 4 727 6 17 8 6 13 7| 7 18 6 7 11 9 7 6 2 7 1 5 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 20 21 22 23 24 567 5 2 8 4 19 4 4 16 4 4 13 8 584 546 5 1 2 4 18 3 4 15 9 5 10 3 566 5 3 3 5O5 4 17 " 5 12 3 588 5 5 6 529 5°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 5 6 2 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 ° 665 6 3 4 6 o 10 5 18 8 6 10 1 6 7 3 6410 6 14 2 6 11 5 6 18 8 20 25 26 4 11 5 4 9 5 4 7 9 463 4 5° 4 13 6 4 11 8 4 10 o 4 8 7 4 7 5 4 15 10 4 14 I 4 12 6 411 2 4 10 1 4 18 5 4 16 8 4 15 3 4 14 I 5 1 3 4 !9 8 4 18 3 5"4 4 5 2 10 5 7 9 Age 19. 1 14 11 Age 18. I 14 I I 14 2 Age 17. I 13 2 I 13 3 1 13 5 Age Hi. 1 12 3 1 12 4 1 12 6 1 12 7 Age 15. I II 4 I II 5 I II 7 I 11 8 1 ir 10 64 63 62 61 60 27 28 29 Age 21. I 16 6 1 16 8 1 16 10 Age 20. 1 15 9 1 15 10 1 16 o 1 16 2 1 16 4 30 31 4 3 11 4 3° 465 Age 24. I 19 I Age 23. I 18 2 I 18 4 Age 22. I 17 4 i 17 6 1 17 8 1 15 o 1 15 2 1 15 4 1 15 6 1 15 9 I I 4 4 I H 5 1 14 8 1 14 10 1 15 1 1 13 6 1 13 8 1 13 11 1 14 1 1 14 4 1 12 9 1 12 11 1 13 2 1 r 3 4 1 13 7 1 12 o 1 12 2 1 12 5 1 12 8 59 58 57 56 55 Aee 26. 210 Age 25. 200 1 17 o 1 12 11 52 51 5° Age 27. 2 2 1 224 2 2 6 2 1 3 2 1 5 2 1 8 202 205 207 2 o 10 i 19 3 1 19 5 1 19 7 1 19 10 202 1 18 6 1 18 8 1 18 11 1 17 10 1 18 r 1 18 4 1 18 7 1 18 11 117 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 17 3 1 15 4 1 15 7 1 15 11 1 16 3 1 16 8 1 14 7 I 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 J 4 3 1 14 9 54 53 52 51 5° 1 19 2 1 19 6 49 48 47 46 45 2 2 10 2 3 I 2 3 5] 2 3 10! 2 4 3! 2 1 11 223 228 212 2 I 6 206 2 o 10 2 1 3 2 1 8 1 19 10 203 208 1 19 3 1 19 8 2 o 1 207 212 1 18 9' 1 19 2 1 19 7 201 208 I 18 2 i 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 1°: 1 16 4 1 16 101 1 15 2 1 15 8 1 16 3 1 16 10 49 48 47 4'' 45 a 3 1 I 2 3 6 2 III 2 2 4 2 2 10 211 2 1 8 1 19 1 1 19 8 203 1 17 5 1 18 o 1 18 8 1 17 5; 1 18 o| 222 1 17 5 44 43 42 41 2 4 9, 2 5 3' 2 5 "I 267 j 2 4 o '247 253 2 5 11 2 3 4 2 3 11 247 254 229 2 3 4 240 249 222 2 2 10 2 3 6 2 4 3 2 1 9 224 2 3 1 2 3 10 2 1 3i 2 in 228! 2 o 10 216 223 231 204 211 2 1 10 228 1 19 10 207 2 1 4 222 1 19 3 200 209 2 1 7 I 18 8J 1 19 5 203 211 1 18 1 1 18 10 1 19 8 206 44 43 42 41 2 3 5

H.—Bb.

FIFTH

Appendix No. 1-continued. THE PUBLISHED TABLES OF PREMIUMS

18

JOINT LIVES. Temporary Annual Premiums required to secure /100, payable on the failure of either Life. I With Profits.) ASSURANCES. SIS 0 Years. < _______ ] DlFFF/RF.NCK BBTWBB YOUNOE 2 Years. 4 Years. n Agk of Elder and IB LlFK. 6 Years. H Years. 10 Years. Premium to be paid for assuring on a Single Life. ( Without Profits.) _ 5. d. 20 2 14 11 21 2 16 o 22 2 17 2 23 2 18 3 24 2 19 6 25 3 o 11 26 3 2 4 27 3 3" 28 3 5 6 29 3 7 2 30 3 8 11 31 .3 10 8 32 3 12 7 33 3 14 6 34 3 16 7 35 3 18 10 36 4 1 2 37 i 4 3 7 38 4 6 1 39 4 8 9 40 4 11 7 41 i 4 J 4 7 42 4 17 10 43 I 5 1 4 44 j 5 5 1 45 5 9 o 46 ; 5 13 3 47 ! 5 17 8 48 6 2 3 49 6 7 2 50 6 12 5 £ s. d. £ s. d. 2 16 1 ! 2 17 4 2 17 2 2 l8 7 2 18 4 : 2 19 IO 2 19 7 3 J 2 3 o 11 327 3 2 5 3 4 2 3 3 TI 3 5 9 3 5 7 I 3 7 5 3 7 3|392 3 9 o j 3 11 o 3 10 9 i 3 12 ii 3 12 8 3 14 11 3 14 8 3 17 o 3 16 9 3 19 2 3 18 11 4 1 6 4 1 3 ; 4 4 o 4 3 8 J 4 6 6 462 493 4 8 11 4 12 2 4 11 8 4 15 3 4 14 9 4 18 6 4 18 o j 5 2 0 516 5 5 9 5 5 3 5 9 9 5 9 2 5 13 " 5 13 5 5 18 5 I 5 17 10 6 3 1 626681 ■675 6 13 5 6 12 8 6 19 2 6 18 3 752 £ s. d. £ s. d. 2 18 10 307 302 320 316 3 3 5 3 2 11 3 4 11 3 4 5 3 <"' 6 360 382 3 7 9 3 10 ° 396 3 11 10 3 11 4 3 13 10 313 4 3 15 « 3 15 4 3 18 1 ! 3 17 5 4 ° 4 3 19 8 429 420453 446 4 7 11 471 4 10 10 4 9 11 4 13 11 4 12 11 4 17 2 4 16 o 506 4 J 9 4 5 4 ! 5 2 11 5 7 10 568 5 11 10 5 10 7 5 16 2 5 14 10 609 5 19 4 658 642 6 10 11 693 6 16 6 6 14 9 726 706 789 768 7 15 6 7 13 3 828 £ *■ *■ 3 2 r> 3 4° 3 5 6 3 7 I 389 3 10 7 3 12 6 3 M 7 3 16 8 3 l8 IO 4 1 2 4 3 8 463 490 412 o 4 15 2 4 18 6 5 1 11 5 5 7 5 9 5 5 13 6 5 17 I0 627 6 7 7 6 13 o 6 18 9 7 4 11 7 11 5 7 18 4 8 5 9 8 13 7 S 5" Annual Annual Annual i&P'S Premium Premium Premium .5? 3 3 lor for lor §-| 1 Year. 3 Years. 5 Years. Under! £ s _ d _ £ s . d. \£ s. d. 25jioo 106 1 10 25 1 o 81 o 11 j 1 1 4 26 1 010 1 1 4 ! 1 J IO 27 I 1 1 3 1 1 10 1 2 4 28 I 1 1 10 1 2 51 2 10 29 1 2 5 1 2 11 I 1 3 4 30 130 135 131° 31 1 3 5 !3 io i43 32 1 3 10 143 149 33 142 148 154 34 1 4 8 I 1 5 3 I J 5 11 35 i5 3 ; i6o!i67 36 j 1 6 o 1 6811 7 3 37 j 1 6 8 1 7 4 1 7 10 38 ' 1 7 5!i 8 01 8 5 39 1 8 o I 1 8 6 190 40 1861811 197 41 1 8 11 196 1 10 4 42 1 9 5 1 I0 3 1 11 5 43 J 1 10 3 1 11 3 1 12 8 44 1 11 2 , 1 12 7 1 14 o 45 1 12 6 i 1 14 1 1 15 7 46 1 14 1 I 1 15 8 1 17 2 47 1 15 9 I 1 r 7 3 1 18 9 43 ! 1 17 3 1 18 10 2 o 4 49 j 1 19 02 05 222 50I206I221 240 51 221 23 11 262 52 23 11 261 287 53 262.287 2 11 3 54 287 21132142 I IMMEDIATE ANNUI' TIES. Sho' wing the Sum to be paid for an Immediai payable by Half-yearly Instalm, >.e Annuity of £10, ents. It MALE. PBMAIiB. II m .LK. FEMALE Double-Endowment ASSURANCES. 8O 79 78 77 76 75 74 73 72 71 7O 69 68 67 66 65 64 63 62 61 £ ?■ <*■ 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 ° 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 £ i- d. 55 i» ° 58 5 o 61 1 8 64 o o 67 o 10 70 2 6 73 5 10 76 10 10 79 17 & 83 5 10 86 16 8 90 11 iS 94 9 2 98 8 4 102 o 4 106 7 6 no 6 8 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 00 120 12 6 124 2 6 127 10 10 130 16 8 134 o 10 137 4 2 140 5 o r 43 5 ° 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 o 10 179 19 2 182 16 8 185 11 8 188 5 10 190 18 4 (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. Term - Annual Premium. / s. «. io years I? T , o *5 » n o o 20 '- 7 14 O 2 5 « 5 ifi o 3° » 4 12 o 35 » I 3 15. o 114 4 2 118 o o 121 15 IO

19

H.—Bb

SCHEDULE.

Which were in Use on the 31st December, 1902

PREMIUMS and BENEFITS in acc " The Civil Service ] ordance with regulations under Insurance Act, 1893." ANNUITY ASSURANCES. ANNUITY ASSURANCES. |1 Temporary Insurance until Age 60. Deferred Annuity, commencing at Age 60. Annual Premium, eeasing at Age 60. WI10Ulife Insurance. Deferred Annuity, commencing at Age 60. I 1 1 11 1 » 11 T-» T 1 •f Annual Premium, ceasing at Age 60. SI 1 Payable Yearly. Payable Payable Half-yearly. Quarterly. Payable | Payable Payable Yearly. : Half-yearly. Quarterly. 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 £ 100 100 ] 00 100 100 100 100 100 too 100 100 100 100 100 100 TOO 100 IOO 100 IOO IOO IOO TOO IOO IOO IOO £ s. d. £ s. d. 63 II I 62 l8 2 59 15 9 59 3 6 56 3 10 55 12 4 52 15 3 52 4 6 49 11 10 49 1 8 46 12 7 46 3 2 I 43 16 5 43 7 6 41 35 40 15 o 38 13 o 38 5 2 36 4 9 35 17 6 33 18 8 33 ii 8 31 14 10 31 8 4 29 12 9 29 6 8 : 27 12 10 27 7 2 : 25 15 2 25 9 10 : 23 19 6 23 14 8 : 22 5 9 22 1 2 : 20 13 6 20 9 4 : 19 2 11 18 19 o : 17 14 1 17 10 6 : 16 6 8 16 3 4 : 15 o 9 14 17 8 ] 13 16 2 13 13 4 ] 12 13 o 12 10 4 ] 11 11 2 n 8 10 ] 10 10 5 J 10 8 2 ] £ 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 ■! 8 31 8 4 29 6 8 27 7 2 25 9 10 23 14 8 22 I 2 2O 9 4 18 19 o 17 10 6 16 3 4 14 17 8 13 13 4 12 10 4 n 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 1290 11 7 8 10 7 o ■ l'n.yabl< £ 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 £ IOO IOO IOO IOO IOO IOO IOO IOO IOO IOO IOO IOO 100 £ s. d. 1 63 11 1 ; 59 15 9 56 3 10 52 15 3 49 11 10 ; 4O 12 7 43 16 5 41 3 5 38 13 o 36 4 9 33 18 8 31 14 10 29 12 9 27 12 10 25 15 2 23 19 6 i 22 5 9 20 13 6 19 211 17 14 1 16 6 8 15 o 9 ■ 13 16 2 [2 13 O II II 2 I £ s. d. £ s. d. 62 18 2 62 11 8 59 3 6 ! 58 17 4 55 12 4 55 6 8 52 4 6 51 19 o 49 1 8 I 48 16 8 46 3 2 45 18 4 43 7 6 43 3 o , 40 15 o 40 10 8 38 5 2 38 1 o 35 17 6 35 13 8 33 11 8 J 33 8 4 31 8 4 . 31 5 o 29 6 8 29 3 8 27 7 2 27 4 4 25 9 10 25 7 4 23 14 8 23 12 o 22 12 21 19 o 20 9 4 20 7 o 18 i<) o 18 17 o 17 10 6 . 17 8 8 16 3 4 j 16 1 S 14 17 8 14 16 o 13 13 4 ! 13 12 o 12 10 4 12 g o 11 8 10 11 7 8 10 8 21 ro 7 o £ s. d. 5 7 0 5 7° 580 580 5 9 0 5 9O 5 Io ° 5 10 o 5 11 o 5 11 o 5120 5120 5 13 ° 5 H ° 5 15 ° 5160 5 17 ° 5 iS o 5 19 o 610 620 6 4 o 660 670 6 10 o 6 12 o 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 100 IOO IOO IOO IOO 100 IOO IOO IOO IOO IOO IOO IOO ro 10 g by monthly [eductions from salary. TABLE VI. TABLE YI.P. ENDOWMENTS EN DO WMEN TS FOR C H I LDR EN AND OTHERS. FOR CHILDREN. Annual 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.) Kates of Premium to secure in the event of Survival to End of Term. Premiums returned in the event of Death. Age of Purchaser at nearest Birthday. (With Profits.) Term of Years. Term of Years. Single. Annual. Under 30. 3O-39. 4O-44. 45-49. 1O 11 12 13 14 15 16 17 18 19 2O 21 22 23 24 25 £ 5. d. 74 10 o 72 5 o 70 1 o 67 19 o 65 18 o 63 19 o 62 o o 60 4 o 58 8 o 56 14 o 55 1 ° 53 9 ° 5i 17 ° 50 8 o 48 18 o 47 9 ° £ s. d. 8 13 1 7 15 1 7 o 1 6 7 5 5 16 7 5 7 3 4 19 1 4 11 11 4 5 7 3 19 11 3 14 i° 3 10 3 3 6 1 324 2 18 IO 2 15 8 1O 11 12 13 14 15 16 17 18 19 2O 21 22 23 24 25 £ s. d. 9 6 i 8 6 g 7 io 7 6 17 o 6 5 4 5 15 4 566 4 18 10 4 12 o 4 5 11 4 0 5 3 15 6 3 11 o 3 7° 3 3 3 2 19 10 £ s. d. 9 10 5 8 10 7 7 14 1 702 683 5 18 o 5 9° 5 1 1 4 14 2 4 7 11 424 3 17 3 3 12 8 3 8 7 3 4 9 3 1 3 £ s. d. 9 19 1 8 18 4 8 1 1 766 6 14 1 6 3 4 5 13 11 5 5 8 4 18 5 4 11 11 461 4 o 10 3 16 o 3 11 8 3 7 8 3 4° / s. d. 10 7 8 9 6 1 8 8 1 7 12 11 6 19 11 689 5 18 11 5 10 4 5 2 8 4 15 11 4 9 10 4 4 4 3 19 4 3 14 i° 3 10 7 3 6 10

H.-Bb.

FIFTH SCHEDULE.

Appendix No. 2. ASSURANCES FOR THE WHOLE TERM OF LIFE WITH WHOLE-LIFE PREMIUMS. In force at 31st December, 1902.

20

Age attained. Number of Policies. Amount assured. Bonus Additions. Office Annual Premiums. Premiums. Net Yearly Permanent Reduction of Premium. Age attained. Ordinary. Extra. 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 83 84 I 3 5 20 25 38 42 59 no 122 150 151 203 236 236 298 251 327 279 353 343 349 317 393 34° 386 355 451 447 391 412 449 439 439 403 . 401 380 381 334 310 348 398 322 363 348 34° 254 278 237 219 186 186 169 133 H i 76 59 66 42 14 J 8 11 J 5 3 4 ' £ 650 900 1,000 4.45° 6,000 9,175 8,550 14,120 25,535 29,37O 37,325 35,565 50,585 58,180 60,170 73,660 66,890 9O,i35 79,720 104,245 99,75° 86,245 96,300 109,525 93,93O 106,930 99,970 124,601 116,602 112,342 114,791 122,034 126,832 121,629 122,691 121,747 103,544 103,313 105,202 83,599 103,486 116,140 94,78i 106,309 109,114 104,916 69,787 83,686 75,75O 65,003 56,164 5I.57 1 54,699 41,668 25,335 28,477 20,345 19,420 18,830 8,379 11,261 6,515 6,215 2,870 2,550 1,020 450 2,114 6 18 8 10 13 7 82 14 124 4 244 3 292 16 576 12 979 8 1,599 10 2,207 6 2,162 1 3,489 1 4,412 9 4,741 9 5,637 13 5,087 4 6,803 9 6,452 17 8,526 11 8,624 7 7,214 2 8,803 2 9,083 3 8,199 o 10,379 12 9,681 17 11,823 8 10,581 10 11,489 7 12,407 17 13,838 3 14,077 o 13,920 19 14,993 18 15,235 6 12,221 13 12,836 18 14,796 17 11,378 19 15,767 7 16,854 12 14,399 o 16,224 2 18,742 8 17,337 1 11,099 X 7 14,757 1 13,059 16 10,964 17 8,836 16 8,550 3 io,375 7 7,816 17 5,028 18 4.676 16 4,302 12 3.677 2 3,577 o 1,271 17 2,258 7 917 10 1,190 5 663 1 527 2 280 4 92 13 457 8 £ s. d. 10 4 10 14 5 o 15 16 7 71 15 4 98 9 11 152 19 8 144 o 2 240 19 2 445 12 1 509 16 o 657 8 5 635 16 9 913 5 6 1,064 M 9 1.123 19 1 1,404 8 o 1,303 15 8 i,792 5 7 1,621 5 5 2,14I IO 4 2,101 3 8 1,843 13 5 2,069 9 9 2,449 1 1 2,109 10 1 2,421 7 C 2,296 1 3 2,896 1 5 2,782 15 11 2,694 7 3 ■ 2,765 19 8 3,008 5 8 3.124 1 7 3,037 13 7 3,124 6 11 3,086 4 8 2,786 2 11 2,833 J 3 9 2,850 14 6 2,339 1 11 2,864 17 3 3,357 3 4 2,802 7 o 3,177 14 7 3,298 8 7 3,273 7 7 2,168 11 7 2,672 1 8 2,521 15 1 2,243 6 1 1,964 4 9 1,842 12 7 2,011 14 8 1,515 7 6 898 2 4 1,189 18 10 782 5 5 786 6 1 808 17 9 359 3 2 472 19 1 446 13 5 320 11 o 149 8 4 122 7 6 53 6 4 20 6 o £ s. i. 500 1 10 o 10 o o 9 9 3 650 9 12 8 -950 11 2 2 912 1 26 12 10 1/2 17 6 i~9 9 3 32 211 25 9 8 26 18 5 27 1 6 38 8 8 53 3 5 33 15 o 66 11 2 60 13 11 41 2 5 58 o o 51 6 j 72 7 3 72 9 5 63 o 2 74 5 3 80 15 5 75 10 9 74 9 6 66 19 6 76 11 11 102 11 3 54 15 1 88 14 3 93 19 2 87 o o 68 16 2 61 17 3 90 8 8 73 15 7 72 18 o 43 11 o 42 10 11 33 15 8 35 11 o 29 16 8 30 18 11 18 19 10 3° 4 9 830 667 1 9 9 14 5 o 0 10 o 1 4 8 £ 7*319 10-527 "•745 53'5o6 73-876 115-017 108-399 182972 340-282 388-533 502-705 488-555 703767 823-130 874741 1,099-109 1,027-065 1,418-350 1,289015 i,7°7'535 1,685-109 1,484-000 1,674-861 i,994'950 1,722-944 1,996-075 1,898-892 2,412-824 2,325718 2,275-805 2,337'4 8 7 2,556-950 2,686-214 2,611-625 2,698-062 2,672667 2,424-400 2,475'i85 2,508-964 2,066-188 2,532633 2,980-562 2,501-862 2,838-968 2,957-010 2,946-500 1,960-513 2,416-585 2,288-524 2,043-146 1,793785 1,686-595 1,848-442 1,404-568 834'436 1,100.576 731726 737-058 762-766 339'4O7 448-862 404-913 303-982 141-267 117-869 5i - 465 19-789 124-714 £ s - *■ o 13 o 012 o 18 11 056 I 2 8 i 5 3 3 13 4 054 o 17 6 2 14 o 4 4 4 o 16 6 032 800 3 11 9 0 13 4 1 2 8 504 460 5 3 8 5 8 1 1 9 10 o 18 8 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 83 84 120 15 10 6 836 1 13 6 18 5 4 0 19 D 8 17 2 3 7 4 17 14 2 18 3 8 1 7 4 098 o 10 8 2 1 4 1 9 10 082 064 o 14 4 132 17 2 Totals 14,854 £4,214,663 ,£498,740 19 £109,238 19 5 £2,404 15 7 £94,053-591 £153 4 6

21

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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, 1902.

Age bttained. u I Amount assured. Bonus Additions. Ill \\ a. •t ■r Office Annual Pef,miums. Ordinary. Extra. Innual Yearly [Ums. . Permanent Premiums. Induction Extra. Premiums. Net Premiums. I 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 55 56 57 58 59 6O 61 62 63 64 65 66 67 68 69 7O 71 72 73 74 75 76 77 78 79 80 81 82 Totals £ s - d - 2 950 o o 4 650 o o 2 400 O O 3 700 o o 7 2,000 o o 6 2,200 o o 8 3,500 o o 5 1,700 o o 9 2,900 o o 10 3,600 o o 11 2,808 o o! *5 5,95° o 0 8 1,716 o o' 12 4,750 o o 7 2,541 o o 12 5,008 o o 7 2,028 o o 8 4,683 o o 13 3,650 o o 10 4,167 o 0 7 2,016 o o 8 3,4 10 ° o 10 4,012 o o 12 2,658 o o 20 7,7&4 ° ° 23 8,833 ° ° 14 4,636 o o : 4 5,955 o o i 17 7, 2 5° ° ° 16 8,096 o o 30 10,847 ° ° 3° 12,404 o 0 22 13,572 o 0 24 9,871 00 24 12,449 o o 30 ' 15,477 o ° 39 16,953 o o 26 10,947 '7 ol 44 23,348 o o 44 < 15,747 o ° 30 11,876 o o 41 I9,59i r 4 2 28 12,448 o o : 27 10,476 o o; i 19 8,518 o 0 16 11,900 o o 13 5,66i o o 7 2,796 o o 11 3,799 o o 11 3,227 0 o 7 2,078 o o 10 5,813 o o 4 576 o o 9 3,4O7 o o 2 2,500 o o 5 3,400 o o 2 342 o o 2 541 o ° 2 301 O O 859 l^361.4 1 ? " 2 £ s- d. 13 11 o 19 13 o 3 13 ° 19 19 o 115 19 o 249 9 o 170 8 o 71 15 o 269 10 o 361 4 o 244 o o 969 5 o 108 1 o 515 18 o 357 8 o £ s. d. I £ 8. d. £ I £ s. d. £ s. d. £ < 4 11 8 245-525 I9O3 1904 14 13 48-7 54-1 275 1 o 390 16 o 4 11 8 3 10 5 2 45'525 346-892 1 3 10 5 ! 346-892 j 799 5 o 393 14 ° 738 14 o 579 o o 612 11 o 258 12 o 151 6 0 1,136 3 o 708 5 o 1 I,299 12 O 1 1,481 8 o 1 915 9 o 1 1,564 9 o 1 1,803 2 ° 1 2,567 10 o 1! 2,624 3 o ' 3,397 ll o 4,123 9. o 1 2,514 9 o 4,026 3 o i 4,921 5 o 5,015 1 o J 4,165 8 o 6,776 19 o 4,897 11 o 3,991 9 o 5,553 5 o 3,.315 3 o ! 3,977 9 o : 3,348 12 o 2,288 6 o 1,677 6 o 724 17 o 1,085 11 o 920 3 o 541 15 o 1,023 II ° 205 3 o 453 2 o 946 15 0 1,136 1o o 74 18 o I9O5 1906 1907 1908 I9O9 9 6 17 7 13 45-2 41-8 45-8 40-0 45-2 155 15 O 100 3 3J 306 4 9 125 9 7 294 18 o ' I 15 o 136-306 i .. 82-992 1! 1 6 8 258-543 ! 10 5 o 1 15 o 1 6 8 1 7 2 120 136-306 82-992 258'543 105-134 251-950 '1172; 105-134 1 > 1 2 o J 251-950 j 1910 1911 1912 I9I3 1914 11 7 M 12 40-4 42-1 36-1 38-8 38-i 152 8 3 106 16 4 124 12 10 139 o 8 174 16 7 I .. 126-578 91-365 > .. 101-458 ' . ~ /- O r f- *-t ■ tj »* ,* 7 16 8 o 12 6 126-578 9i 365 101-458 117-872 145-808 i 7 16 8 117-872 16 ' o 12 6 145-808 I9I5 1916 1917 1918 I9I9 8 7 8 7 7 38-4 339 39 3 32-3 32-1 88 9 11 61 8 10 67 10 o 98 12 6 71 14 4 74'ii6 1 19 11 • -• 49775 I 1 .. 56-926 74-116 49775 56-926 80-667 58-97 1 80-667 .. . 58-97 1 1920 1921 1922 1923 1924 1 1 2 31-0 30-0 41-0 34'0 1 28-2 288 4 19 o 26 11 4 23 10 5 47 9 9. i .. 1 -966 ' •• 3932 ; .. 22-200 i-y66 3932 22-2OO 3 6 o 10 4 19-227 K •• 38-143 I o 10 4 I9-227 38143 1925 1926 1927 1929 1933 2 4 3 2 33-5 34 -° 35-0 35'5 17 5 o 27 4 4 22 14 10 23 9 » >: .. 13-647 J 21-934 13-647 21-934 18428 19563 18428 19563 1934 1937 1939 1 1 38-0 25-0 23-0 2 12 8 3 18 4 3 14 8 2170 2170 3-028 2-846 3-028 1 2-846 512 i o 155 14 o £92,892 2 O /22 12 5 £2,497-962 £l2 4 II 203 ; 40-4 £2,939 16 6

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22

FIFTH SCHEDULE.

Appendix No. 4. ENDOWMENT ASSURANCES In force at 31st December, 1902.

Year of Maturity. Number of Policies. Average Age attained. Amount assured. Bonus Additions. Office Annual Pbemiums. Yearly Permanent Reduction of Premium. Year of Maturity, Premium. Ordinary. Extra. 1903 1904 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 1931 1932 1933 ■ '934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1649 1950 I95I 1952 1953 1954 1955 1956 1957 1958 1959 i960 1961 1962 1963 1964 1965 1966 1967 312 269 309 227 383 415 437 494 470 658 650 712 736 734 783 850 933 934 977 1,040 982 942 1,056 999 1,122 770 758 803 565 556 275 224 227 177 133 95 7i 83 68 63 64 64 64 62 60 86 75 71 61 61 53 60 52 53 43 32 30 28 23 31 21 10 12 5 5 50-8 49-6 485 47-8 47'2 46-4 43-8 43H 41-9 423 40-6 39-1 386 366 359 34'8 33'7 32-9 320 311 306 299 28-4 27 6 264 27-7 262 2 5-3 2 5 -I 24-9 i 26-6 26-4 25-8 269 269 32-6 36-2 347 35'4 -371 38-o 384 36-8 359 35-3 349 34'i 32-8 3i-8 3i-o 300 28-9 278 268 259 25-2 239 230 22'O 21-2 2O-I I9-3 i8-3 17-2 16 o £ 61,179 64.551 68,725 52,928 90,014 88,624 99,828 104,710 96,188 143,427 130,565 141,792 145.244 143.360 155,512 167,722 182,108 176,550 184,400 194,307 189,123 181,265 191,900 182,350 208,100 151.675 143,575 150,025 105,650 109,007 55,230 49,418 47,218 34,750 29,200 22,300 17,100 18,650 18,150 17,950 17,300 17,750 17, 800 18,900 15,300 21,400 19,100 20,150 14,650 15,100 12,700 16,500 13,600 13,500 13,100 9,700 8,300 7,750 6,45O 7,5oo 5,4oo 2,800 2,450 900 900 £ *• 10,608 18 11,390 3 10,882 18 7,698 7 13,655 1 12,673 7 ] 12,162 18 12,487 18 10,684 10 15,934 16 13,190 18 12,675 19 11,608 6 10,622 10 10,638 16 9,55° 17 9,452 5 7,719 12 6,876 o 5,44O 17 5,882 7 4,262 1 3, l8 3 '7 2,526 6 2,133 8 2,327 13 1,553 3 875 2 ; 480 17 1 427 M 364 1 218 1 M4 5 65 14 44 l8 60 19 37 9 13 11 13 10 6 18 3 2 o 5 £ s - <• 2,678 17 8 2,859 18 6 2,900 12 4 2,445 9 o 3,731 2 10 3,526 2 1 4,315 12 1 4,218 911 4,057 10 10 5,698 18 2 4,865 15 9 5,508 15 2 5,593 o 9 5,562 11 9 5,895 14 10 6,198 6 8 6,612 17 3 6,523 'I 9 6,792 12 8 7,193 i8 2 6,295 16 5 6,109 9 3 6,515 16 4 6,068 6 6 6,901 10 9 4,577 15 7 4,260 16 7 4,5'Q 7 9 3,i65 3 8 3,215 o 10 1,545 15 6 1,354 2 6 1,283 5 4 978 6 2 787 6 11 665 5 4 5IO 7 4 523 1° 4 530 8 o 516 1 o 499 ii 3 505 14 4 487 17 o 507 o 9 399 4 o 543 2 9 469 9 1 483 5 10 342 10 2 341 18 1 282 o 10 £ 1. d. 14 5 7 23 13 7 16 13 S .17 711 26 5 S 24 7 11 24 9 7 32 3 4 22 8 1 34 6 8 31 7 I 24 5 2 45 12 2 33 6 8 17 9 9 15 5 7 20 19 8 27 16 6 - 37 4 3 25 13 7 24 8 2 29 o 2 18 15 7 19 4 5 19 13 3 27 5 II 15 3 5 23 9 11 9 7 7 5 12 3 5 13 4 12 17 6 694 4 o 10 2 1 o 0180 1 17 10 7 6 2 5 13 10 3 17 10 7 17 3 20 18 6 8 15 2 4 12 2 8 9 1 885 689 6 19 8 7 18 4 2 14 11 2,426-194 2,585-876 2,614-327 2,174-904 3.3II-395 3. J 37'528 3,823228 3.7I7-H4 3.533-3I5 4,966-789 4,246-405 4.783-597 4.845-141 4.763-994 5. o 49-i54 5,300-384 5,646-967 5.5I3-7I3 5.7i4 -I 5° 6,051751 5,289-859 5,126-021 5,372 272 4,995-242 5,663-782 3,767-165 3,492-508 3,632-948 2,542-263 2,573-881 i,236-3 6 3 1,087 360 1,014968 775-199 619 129 534628 407-302 4 I 573i 422-414 411-978 397- 8 63 403-603 385-383 399-928 314-839 425-436 366-204 374-5I9 264-859 263-752 216036 271-745 2I5-379 210-392 194-568 141-621 117-546 107-715 86-548 98-812 68-471 34-832 28-950 10-537 10-260 / s. d. 3 9 4 094 962 6 11 5 8 5 5 i r8 6 9 11 6 3 5 6 9 7 10 3 M 6 10 11 10 8 1 6 715 5 4 19 8 4 12 10 3 16 o 1 12 1 0 12 9 2 14 o 1 15 10 1903 1904 !9°5 1906 1907 1908 1909 igio ign 1912 i9'3 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 I93 1 1932 1933 1934 1935 1936 T 937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 '95° 1951 1952 1953 1954 1955 1956 1957 1958 1959 i960 1961 1962 1963 1964 I9 6 5 1966 1967 O 12 O 058 O28 I2O 354 r 3 9 283 1 6 278 13 ri 259 4 8 189 9 7 157 12 3 145 9 o 118 4 8 137 o 9 94 on 48 12 2 40 19 9 14 l6 I 14 16 6 1 18 o o 15 o 200 297 o 19 6 • • 23,418 Single and 104 Lmtd. Pr'ms. 335 4°7 4.7!3,37O 22,449 24O.579 17 1,403 18 164,492 19 10 276 ] 5 8 49 3 I 138,996-737 215-830 ro4 13 9 Single and Lmtd Pr'ms. Totals •. 28,588 33J5 H4J85.819 i'241,<J83 15 ji'164,769 1 3 £849 H 1 mmnm mi 13 9

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23

FIFTH SCHEDULE.

Appendix No. 5. DOUBLE-ENDOWMENT ASSURANCES. In Force at 31st December, 1902.

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, 1902.

'ear of Maturity. Number of Policies. Average Age attained. Amount assurer). Bonus Additions. Offick Anndal Premiums. Ordinary. Extra. Premfum. Year of Maturity I 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 1931 1932 1933 1934 1935 1936 1937 1 10 8 2 6 17 24 15 14 11 53 77 35 38 44 117 195 Hi 83 78 93 143 167 47 51 80 77 108 18 35-0 5°'6 38-8 44'° 33'3 43'9 43'4 39'3 35'4 35'5 37'9 35'9 34'3 335 353 33'7 323 31-i 297 29-4 29-1 28-1 251 269 27-5 267 24-3 233 226 22-8 225 21-6 £ 200 3, 100 2,800 400 1,400 3,800 6,026 3.864 3,000 4,000 11,576 19,600 10,300 8,900 10,200 27,024 47, 100 27,100 22,100 18,600 22,900 35,400 40,500 12,200 15,100 23,200 17,900 26,700 4.500 6,400 1,900 2,300 5,600 £ »• 4 8 56 18 27 1 2 18 3 18 58 9 97 15 22 14 16 14 8 19 208 18 261 10 56 10 45 15 24 4 394 5 514 15 hi 2 128 18 53 18 3°5 5 278 o 54 7 78 16 49 1 293 18 133 11 14 16 31 18 23 3 |j J £ '■ d - 17 16 o 271 15 5 246 2 o 35 6 o 123 4 5 240 10 8 325 13 6 258 16 3 164 o o 219 2 9 445 7 9 754 9 5 445 13 9 334 2 5 383 5 o 835 16 10 1,480 17 8 926 14 <) 629 3 o 528 10 o 576 8 7 925 10 o 1,167 17 8 273 10 2 336 18 7 477 2 5 386 18 10 626 3 9 •82 4 5 116 14 10 37 2 8 44 2 4 107 16 4 £ s.d. o 8 10 £ 16-400 254-200 22g'6oo 32'800 114-800 219-525 301-500 234-298 150750 201-ooo 406-200 688800 402600 307-050 351-900 743-075 1,317-600 821-475 563-550 474-300 498-150 799-628 1,001-550 237-900 294-450 403-800 323-775 521-375 69750 99-200 29450 35-650 86800 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 1931 1932 1933 '934 1935 1936 1937 076 1 5 8 24 8 11 22 2OO 1,788 8O'() £445,690 £3,862 4 413,824 18 -1 ti 2 I) £12,m901 Totals

Age attained. Number of Policies. Amount assured. Bonus Additions (allotted previous to transfer). Office Annual Pbumiums. Ordinary. Net Premium. Age attained. Extra. £ 200 300 200 150 100 I s. d. £ '■ i 3 4 8 6 14 6 584 4 4 4 3 2 8 2'4i6 5-469 4-912 3-818 2-872 28 46 57 59 62 4 18 o 28 46 57 59 62 5 A-950 U 18 0 m 14 e Jt-19'487 Totals

24

H.—Bb.

FIFTH SCHEDULE.

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

Approximate Cost of-Paper.—Preparation, not given; printing (3,375 copies), £29 18s. 6a.

Price 9d.} By Authority : John Maokay, Government Printer, Wellington.

Whole Life Assurance by Equal Annual Premiums AssfrancelTa'yable for the in Fifteen Years> orat 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. : 14 Years. 5 Years. 10 Years. 20 Years. 24 Years. 5 Years. 10 Years. 20 Years. 30 Years. 34 YearB. i £ s. d. i £ s. d. £ s. d. £ s. d. £ s. a. £ s. d. 26 10 0 67 5 0 £ s. d. £ s. d. £ s. a. £ s. d.! £ s. a. £ s. d. £ s. a. £ s. d. £ s. d. £ s. d. 15 3 10 6 8 0 10 2 0 18 18 0 30 7 0 25 0 0 J 89 5 0 11 8 0 90 2 0 6 11 0 15 8 0 37 8 0 72 1 0 91 3 0 20 2 16 0 6 19 0 11 4 0 21 15 0 34 17 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 71 6 0 90 12 0 ' 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 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 24 6 0 88 7 0 11 4 0 26 6 0 165 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 10 10 0 23 14 0 35 10 0 I 55 12 0 69 16 0 22 12 0 86 1 0 12 2 0 27 12 0 62 9 0 85 9 0 i i 55 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.