GOVERNMENT INSURANCE DEPARTMENT.

Appendix to the Journals of the House of Representatives, 1906 Session II, H-08d

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Session 11. 1906. NEW ZEALAND.

GOVERNMENT INSURANCE DEPARTMENT.

STATEMENTS IN CONNECTION WITH THE VALUATION OP LIABILITIES (FOURTH AND FIFTH SCHEDULES) FOR THE TRIENNIUM ENDING 31st DECEMBER, 1905

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

WELLINGTON. 1906.

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REPORT BY THE ACTUARY RESPECTING THE VALUATION OF THE LIABILITIES UNDER LIFE POLICIES AND ANNUITIES OP THE NEW ZEALAND <&mmmmt geprtant, 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, 1905. 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 suoh 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 certain payable at the end of their respective terms, and mortality has only been taken into con-

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FOURTH SCHEDULE,

sideration where the premiums are payable during the joint lives of the child and purchaser, 3| per cent, compound interest being used ; the surrender value has been taken as the minimum reserve. Annuities have been valued by the English Government Annuitants Mortality Experience (1883), using 3i per cent, interest -for those issued prior to the 20th May, 1896, and 3 per cent, interest for those issued subsequently. In the case of annuity-assurances the value at age 60 of the annuity has been computed by the 1883 English Annuitants Experience and treated as an endowment payable at age 60, which has then - been valued, in combination with the insurance portion of-the contract, by the Institute H M Table, with 3i per cent, interest. The valuation has been made in duplicate, and the policies valued 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 j)er cent, on sums assured and existing bonuses, for each premium paid since the last division; and an interim bonus is also paid, at the same rate, in respect of those policies which may be surrendered or become claims before the next distribution of surplus. The approximate profit from favourable mortality in the General Section and the Temperance Section respectively has been ascertained and specially divided among the members of the respective sections. The result is that temperance policies 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 1883 Government Annuitants Tables. IV. The rate of interest assumed in the valuation was 3i per cent., except in the special cases mentioned in paragraph II (1), where a higher reserve was considered necessary. V. The whole of the loading, or the difference between the premiums payable to the office and the net premiums, amounting to .€47,451 per annum and valued at £599,420, 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 £9,130 has been made to provide for expenses and profits when the premiums shall have ceased. VI. The Consolidated Revenue Account for the three years that have elapsed since the last valuation is given on page 5.

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FOURTH SCHEDULE. CONSOLIDATED REVENUE ACCOUNT OF THE GOVERNMENT INSURANCE DEPARTMENT, Fob the Period commencing Ist Januaey, 1903, and ending 31st December, 1905. £ s. d. £ s. d. £ s. d. Amount of Funds on ist January, 1903 .. 3,382,817 6 8 j Death Claims under Policies, Renewal Premiums .. .. --.-. 855,085 3 11 Assurances, including Bonus New Premiums .. .. .. .. 65,794 15 8 : Additions .. .. 379,063 15 9 Single Premiums .. .. .. 4,727 2 10 Endowment Assurances maConsideration for Annuities granted .. 29,685 14 5 tured, including Bonus AdInterest .. .. .. T. 479,701 13 2 ditions .. .. .. 233,685 7 1 Fees .. .. .. .. .. 25 6 7 Endowments matured .. 5,810 o 7 Premiums returned on Endowments .. .. .. 150 1 8 Bonuses surrendered for Cash 17,442 1 5 Annuities .. .. .. 38,292 12 7 Surrenders.. .. .. 80,314 8 2 Loans released by Surrender.. 44,505 17 10 799,264 5 1 Commission, New .. ~ 43,354 9 10 Renewal .. 6,729 15 3 50,084 5 1 Land and Income Tax .. .. 29,268 13 8 Expenses of Management— Salaries, Head Office .. 35,482 12 5 Branch Offices and Agents.. .. 19,185 5 8 Extra Clerical Assistance .. 4,405 2 5 Medical Fees .. .. 13,759 10 4 Travelling Expenses .. 2,091 6 7 Advertising .. .. 3,208 14 11 Printing and Stationery .. 3,459 o 8 Rent .. .. .. 6,905 16 8 Postage .. ... ' .... 3,953 15 n Telegrams ... ... 1,165 l 8 I 0 Exchange .. .. 285 10 2 Office Furniture Depreciation 945 16 4 General Expenses .. 9,057 12 7 Triennial Expenses .. 5,364 7 2 Compensation for loss of Office .. .. .. 419 9 8 109,690 o 4 Investment Reserve Fund .. .. 6,953 3 6 Amount of Funds on 31st December, 19°5 •• •• •• •• 3,822,576 15 7 3 3 £4 ,817,837 3 3 VALUATION BALANCE-SHEET OF THE GOVERNMENT INSURANCE DEPARTMENT, As at 31st December, 1905. Dr - , . . £ s. d. Cr. £ j. d _ To Net value of Liabilities (as per Valuation By Accumulated Funds (as per Consolidated Summary) .. .. .. .. 3,626,695 14 o Revenue Account) .. .. .. 3,822,576 15 7 To Surplus .. .. .. .. 195,881 .17 £3,822,576 15 7 ; £ 3< 822,576 15 7

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FOURTH SCHEDULE.

Summary and Valuation of the Policies of the New Zealand Government Life Insurance Department, as at 31st December, 1905.

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Particulars of Policies for Valuation. / For Assurances: Institute of Actuaries' Hm Table, 3i% interest. Values J For Immediate f sh Government Annuity Annuities on 7 ables - '» 8 3- . Issued pnor to Lives- 1 * une , l8 9 6 ,3 h% interest; issued \ ' I subsequently, 3% interest. DESCRIPTION OF TRANSACTIONS. Number of Policies. Sums Assured, : Office Yearly 1 Net and Bonuses. Premiums. Premiums. SumsAssured, and Bonuses. Office Yearly Premiums. Net Premiums. Net Liability. ASSURANCES. I.—With Participation in Profits. Whole-life Assurances —Uniform Premiums Whole-life Assurances —Limited, Single, and Commuted Premiums Endowment Assurances Endowment Assurances —Limited, Single, and Commuted Premiums Double Endowment Assurances Joint Life Assurances Survivorship Assurances £ £ £ £ £ £ 13,304 790 25,227 128 3,950 9 1 4,312,226 423,434 5,442,488 38,616 1,011,404 3,691 202 ( 98,883', j and 35,565 I [ per ann. at 60 ) 96,149 2,007 178,489 666 29,973 167 6 82,559 1,674 149,497 526 25,978 137 4 2,435,379 270,845 3,274,381 22,169 453,119 2,2gg 64 1,154,594 11,054 2,O24, 469 8,156 400,565 1,756 69 974,905 9,157 1,671,201 6,439 344,142 1,431 50 1,460,474 261,688 I,603,180 15,730 108,977 868 14 Annuity Assurances 688 5,144 4,779 103,447 86,275 80,246 23,201 Reserve for extra Premiums 1,035 1,035 Additional Reserve of Loading Total Assurances with Profits 3,087,571" Deduct 8,095 3,475,16; Add 8,09; 44,097 11,330,944 312,601 265,154 6,562,738 3,686,938 3,483,26: II.—-Without Participation in Profits. Whole-life Assurances (transferred from Temperance to Non-profit Section) Industrial Assurances Temporary Assurances Total Assurances without Profits.. Total Assurances 6 4 10 1,190 71 2,750 29 46 25 690 27 18 338 285 ""285 40; 2' Ii 20 4,OII 77 25 735 338 45' 44,H7 ",334,955 312,678 5,179 '6,563,473 3,687,276 ,079,761' 3,483,71 ENDOWMENTS. Simple Endowments —with return of premiums Simple Endowments —without return of premiums Endowments —Premiums cease at death of purchaser Investments Total Endowments 533 2 148 692 68,731 200 18,850 33i 2,541 13 743 10 22,154 21 •• 22,154 21 2,051 325 2,05 1 325 88,112 3,307 24,551 •• 24,551 ANNUITIES. Immediate Deferred .. .. ..... Total Annuities Total of the Results 321 (per annum) 13,54 192 116,568 1,864 7 77 116,568 1,864 "8,432 328 13,740 77 "8,432 45,i.37 11,423,067 and 49,305 per annum. 316,062 and 2,036 extra premium (not valued) 265,179 6,706,456 3,687,276 3,079,761 3,626,69;

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VII. 1. The liabilities of the Department under life policies and annuities at the date of the valuation, showing the number of policies, the amount assured, and the amount of premiums payable annually under each class of policies, both with and without participation in profits, will be found in detail in the Valuation Summary, given on page 6. 2. The net liabilities and assets of the Department, with the amount of surplus, are shown in the Valuation Balance-sheet given on page 5. VITT. 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, 1905, including the small balance (€475 16s. B<l.j undivided on the previous occasion, was £206,753 11s. 7d., of which amount €10,872 10s. has been paid as interim bonuses during the triennium. (2.) The amount of profit divided among the policyholders as at the .'3lst December, 1905, was €178,993 10s., which has been converted into reversionary bonuses amounting to £302,909 11s. The number of policies which participated was 44,097, assuring the sum of £10,376,233, or, including reversionary additions, £11,330,944. (3.) The following are specimens of the bonuses which have been allotted, for the three years ending the 31st December, 1905, to ordinary whole-life policies for £100 in the General Section upon which all previously allotted bonuses had been allowed to remain : —

(Bonuses 10 per cent, less than the above have been allotted to similar policies in the Temperance Section.) The cash values of the reversionary bonuses are computed by the H" Table of Mortality, with interest at 4£ per cent. Morris Fox, Actuary. 31st March, 1906.

Number of AGE AT 2 ENTRY, ). AGE AT ENTRY, 30. AGE AT ENTRY, 410. AGE AT ENTRY, 50. Reversionary, Cash Bonus. Value. Number of Years in Force. Y'ears in Force. Reversionary Bonus. Cash Value. Reversionary Bonus. Cash Value. eversionaryl Bonus. Cash Value. 5 10 15 20 25 30 35 £ *• d. 310 3 5 0 3 10 o 3 16 o 3 17 o 3 18 o j 4 4 o £ *• d. o 14 6 0 17 4 1 1 3 160 1 10 2 1 14 6 220 £ s- d. 3 1 o 3 4° 380 3 12 o 3 16 o 400 450 £ *• d. 0 18 6 1 1 11 1 6 8 1 II 10 1 18 o £ s. U. £ s. d. 310 1 3 11 340 183 380 1 14 o 3 12 O 2 O IO 3 16 o 2 7 10 3 19 o 2 14 8 4 4 0 3 3 4 £ s. d. , £ s. d. 3 I O ; I IO 6 3 4 o i 16 3 3 8 o j 2 2 g 3 13 o ; 2 10 6 3 15 o 2 16 7 3 16 o 311 420 395 5 10 15 20 25 30 35 254 2 13 6

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HEP O H T BY THE In terms of Section 43 of "The Government Insurance and Annuities Act, 1874." (See sth Schedule.) STATEMENT OF THE LIFE ASSUKANCE AND ANNUITY BUSINESS OF THE GOVEENMENT INSUKANCE DEPARTMENT ON THE 31ST DECEMBER. 1905. —

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, 4, 5, 6, and 7.

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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 foiice at the date above mentioned.

Answers to Questions 4, 5, and 6 are contained in the following table: —

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

Annual Premiums. Class of Assurance. Oco -. 11 OS Sums assured. Reversionary Bonuses. Total Ordinary Premiums Received. Ordinary. Extra. With Profits. £ -• d. £ s. d. £ *• d. £ -• d. ■ £ s. d. Endowment Assurances 22,943 4,514,901 o o 296,320 4 o 159.935 1 3 686 o o 1,494,927 14 ° Long-term Endowment Assurances 2,412 664,596 o o 5,287 8 0 19,309 4 11 156 11 6 60,929 2 11 Double Endowment Assurances 3,950 1,003,754 o o 7,649 19 o 29,972 13 2 1 14 6 107,919 3 n Joint Assurances 9 3,450 o o 240 14 o 166 15 8 742 1.373 17 o Survivorship Assurances 1 200 O O 200 620 23 17 IO Annuity Assurances 688 97,000 O O* 1,882 13 o 5.144 7 2t 22,066 2 3f Endowments : With return .. 320 42,125 o o 1,653 I2 3 5,857 10 6 Endowments : Without return 2 200 o o 13 o 3 21 2 1 Endowments: Premiums ceasing on death of purchaser 148 18,850 o o 742 17 n 2,287 19 ° Without Profits. 330 11 6 10 8 o 210 5 6 Investments 9 Endowments : With return .. 213 26,606 o o 887 o 6 11.499 17 4 Industrial Assurances 4 71 o o 1 14 8 40 6 o Temporary Assurances 10 2,750 o o 45 13 10 1 6 10 159 19 9 Totals £217,888 11 7 £852 17 0 £1,707,316 18 1 30,709 £6,374,83311 6 |£311,382 18 0 * And defer: t These amc ■ed annuities for 14: mnts are also given under " s. sd. Deferred Annuities " in answer to Question 8.

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

Amount of Annuities. Age attained. Female. Male. £ s - d. 25 16 8 58 17 o 1000 £ s. d. 31 34 37 40 41 45 46 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 88 90 30 o o 18 4 o 39 14 4 42 o o 50 0 IO 109 o 4 • 12 2 8 33 1 8 147 15 8 139 10 4 176 5 4 280 o o 278 18 o 183 1 8 137 16 6 114 1 10 149 17 ° 12 13 8 51 8 10 84 11 4 112 7 o 130 o o 352 o o 95 18 9 36 13 4 155 13 4 16 6 4 32 o o 66 19 o 48 o o 1200 60 o o 146 6 4 87 9 10 34 1 8 97 7 4 60 o o 397 10 o 195 4 2 52 o o 119 2 O 139 17 6 126 8 4 287 11 4 47 o o 44g 8 2 133 16 o 633 6 11 313 9 8 381 10 4 162 15 o 608 14 6 231 5 3 5g8 16 10 207 14 6 197 9 5 674 9 o 406 13 9 466 6 2 105 4 2 771 19 8 261 13 4 30 o o 57 3 4 204 4 8 79 19 9 50 8 2 51 12 o 247 7 4 77 1 1 36 2 8 55 18 8 18 16 o 64 o o Totals .. £3,493 18 8 £9,176 1 7 Joint and Survivorship. Ages attained. Female. Male. Amount of Annuity. 57-53 62-54 66-32 71-65 72-68 7 8-6 3 84-79 89-77 1 2 2 1 1 2 ! ; 1 £ »• d. 200 o o 113 8 o 1000 80 1 8 193 1 o 33 11 8 200 o o 48 o o £878 2 4 Total £878 2 4

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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.

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 1903 ... ... ...485 1904 ... ... ... 4 8 2 1905 ... ... ... 4 10 4 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. 8. In the case of simple endowments, with return of all premiums at death of nominee, the premiums are returned without interest, as surrender value. Other endowments are treated specially.

Class of Annuity. Amount of Annuities. Annual Premiums. Single Premiums. Total Premiums received to 31st December, 1903. Deferred (Premiums not returnable) £ -■ d. 133 9 8 £ s. d. 24 10 7 £ s. d. 1,041 12 6 £ s. d. 1,193 9 10 Deferred (Premiums returnable) .. 58 12 0 53 o o 37 1 o 132 4 6 Deferred (Annuity Assurances)* 17,658 14 11 2,594 1 9 94 17 6 11,367 1 2* Deferred (Annuity Assurances)! 17,905 19 6 2,550 5 5 41 16 8 io,6gg 1 ij Totals £35,756 16 1 £5,22117 9 £1,215 7 8 £23,391 16 7 * And temporary assurances for £51,900. juestions 5 and 6. + And whole-life assurance! for £45,100. : These amounts are also given in answer t<

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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, 1906.

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FIFTH

Appendix No. 1.

Class of Assurance, with Participation in Profits. Age 15. Age 16. Age 17. Age 18. Age 19. Age 20. Age 21. Age 22. Age 211. Age 24. 0 15 u H " o I.JS 'a. wiIl. i^5 rtrC v- | - M ri 3 <u w _-"0 « o < 213 o o Ego" S a <" oS» fl o c* G to rt w A Bs B 10 B15 B 20 B25 B30 B35 Annual premium during the whole term Single payments Annual premiums,— Limited to 10 years .. 15 . 20 £ »• d. 1 11 3 30 7 o 4 1 8 2 19 9 291 2 2 11 1 19 o 1 16 4 £ »• d. 1 12 2 31 1 o 4 3 6 3 1 1 2 10 3 2 3 11 1 19 11 1 17 2 £ s. d. 1 13 1 31 15 o 4 5 4 3 2 6 2 11 4 2 4 11 2 O IO I 18 I £ «■ d. 1 14 o 32 8 o 4 7 1 3 3 9 2 12 5 2 5 11 219 1 19 o £ s- d. 1 14 10 33 o o 4 8 7 3 4 11 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 £ -■ d. 1 16 5 34 3 o 4 11 4 3 7 0 2 15 2 284 240 212 £ s. d. 1 17 2 34 14 o 4 12 6 3 7 10 2 15 11 290 248 219 £ s- d. 1 18 0 35 5 o 4 13 10 3 8 10 2 16 9 2 9 9 2 5 4 226 £ s- d. 1 18 11 35 17 0 4 15 4 3 10 o 2 17 8 2 10 8 262 2 3 3 25 „ 30 . 35 . Annual Premiums, — Payable for 10 years .. II, 9 9 1 8 10 3 7 14 8 716 6 10 3 9 9 8 8 10 10 7 15 2 720 6 10 9 9 10 4 8 11 5 7 15 9 727 6 11 4 9 io ii 8 12 o 7 16 3 7 3 i 6 ii g 9 II 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 g 7 17 o 7 3 10 6 12 6 9 II 8 8 12 g 7 17 1 7 3 11 6 12 7 9 11 9 8 12 10 7 17 2 7 4 0 6 12 8 9 11 10 8 12 11 7 17 4 7 4 1 6 12 10 •a OJ 1 •a _c S ' c B OJ J3 o TJ S OJ 0) •5 b ojr OS <u 13 3*° 1/1 TO O u h ° I tfi 8 a a C a tO Wl < a OJ e » o •a a w 12 „ 13' » 14 . 15 . 16 „ .. 17 „ .. 18 „ 19 . 20 21 22 23 „ .. 24 „ 606 5 12 1 5 4 8 4 18 1 4 12 3 4 7 1 425 3 18 2 3 14 4 3 10 11 610 5 12 7 5 5 2 4 18 7 4 12 9 4 7 7 4 2 11 3 18 8 3 14 10 3 11 4 6 1 7 5 13 1 5 5 8 4 19 1 4 13 3 4 8 1 4 3 5 3 19 2 3 15 4 3 11 10 620 5 13 7 562 4 19 7 4 13 9 486 4 3 10 3 19 7 3 15 9 3 12 4 625 5 13 11 566 4 19 11 4 14 1 4 8 10 4 4 2 400 3 16 2 3 12 8 3 9 6 367 3 4 0 3 1 6 2 19 4 628 5 14 2 569 502 4 14 4 4 9 1 4 4 5 403 3 16 5 3 12 11 629 5 14 4 5 6 11 504 4 14 6 4 9 4 4 4 8 405 3 16 7 3 13 2 6 2 11 5 14 5 5 7 0 506 4 14 8 4 9 6 4 4 10 407 3 16 10 3 13 4 630 5 14 7 572 507 4 14 10 4 9 8 4 5 0 409 3 17 o 3 13 6 632 6 14 9 5 7 4 5 o 10 4 15 o 4 9 10 4 5 2 410 3 17 2 3 13 9 3 10 8 3 7 1° 3 5 2 3 2 10 308 C 25 „ .. 26 „ .. 27 „ .. 28 „ .. 3 7 8 3 4 10 322 2 19 9 2 17 6 382 3 5 4 328 303 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 9 3 6 11 3 4 3 3 1 10 2 19 7 3 10 o 3 7 1 3 4 6 3 2 1 2 19 10 3 10 2 3 7 4 3 4 8 324 3 o 1 3 10 5 3 7 7 3 4 11 326 304 29 „ 30 . •• 31 . 32 . 33 . 34 » ■• 2 15 5 2 13 6 2 11 9 2 10 1 287 2 15 n 2 14 o 2 12 3 2 10 7 291 2 16 5 2 14 6 2 12 9 2 11 1 2 16 10 2 14 11 2 13 2 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 11 2 12 4 2 10 10 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 II 9 2 18 8 2 16 9 2 15 1 2 13 6 2 12 1 2 9 7 35 » •• 36 „ .. 37 . •• 38 . .. 39 » •• 40 „ .. 272 2 5 10 2 4 7 236 225 2 1 5 278 264 2 5 1 240 2 2 11 282 2 6 10 2 5 8 246 236 226 288 2 7 4 262 250 240 2 3 1 2 9 1 279 267 256 246 236 2 9 5 282 270 2 5 10 2 4 IO 2 3 II 2 9 9 286 2 7 4 263 2 5 3 2 4 4 2 10 1 2 8 10 278 267 257 248 2 10 5 292 280 2 6 II 260 2 5 1 2 10 9 296 2 8 5 274 265 2 5 7 220

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SCHEDULE.

THE PUBLISHED TABLES OF PREMIUMS Which were in Use on the 31st December, 1906.

Age 25. Age 26. Age 27. Age 28. Age 29. Age 30. Age 31. Age 32. Age 33. Age 34. Age 35. Age 36. Age 37. £ s - d. 1 19 11 £ *■ d. 2 o 11 £ *■ d. 220 £ »• d. 2 3 1 £ »■ d. 2 4 3 £ s- d. 255 £ s - d. 268 £ s. d. 280 £ *• d. 294 £ *• d. 2 10 10 £ »• d. 2 12 4 £ s. d. 2 14 o £ s. d. 2 15 8 A A Bs 36 10 o 37 3 o 37 16 o 38 10 o 39 4 o 39 19 0 40 13 o 41 8 o 42 4 o 42 19 o 43 16 o 44 12 o 45 9 o Bs B 10 B15 B20 B25 B30 B35 4 17 0 3 11 3 2 18 9 2 11 7 271 242 4 18 7 3 12 5 2 19 9 2 12 6 280 250 503 3 13 9 3 o 10 2 13 6 2 8 11 260 5 1 11 3 15 o 3 1 11 2 14 6 2 9 10 2 6 11 5 3 8 3 I 6 4 3 3 1 2 15 7 2 10 11 2 7 11 5 5 4 3 17 7 3 4 2 2 16 7 2 11 10 2 8 11 5 7 2 3 19 o 3 5 4 2 17 8 2 12 11 5 9 1 4 0 5 3 6 8 2 18 10 2 14 1 2 11 1 5 IO II 4 1 10 3 7 10 300 2 15 2 2 12 3 5 13 o 4 3 5 3 9 3 3 1 4 2 16 6 2 13 7 5 15 o 4 5o 3 10 7 327 2 17 9 2 14 10 5 17 2 468 3 12 2 3 4 0 2 19 2 2 16 3 5 19 3 4 8 4 3 13 7 3 5 4 307 2 17 9 B 10 B15 B20 B25 B30 B35 2 10 o Term of Years. Term of Years. 10 II 9 12 3 8 13 4 7 17 9 7 4 6 6 13 4 9 12 6 8 13 7 7 18 o 7 4 10 6 13 7 9 12 9 8 13 II 7 18 3 7 5 1 6 13 11 9 13 o 8 14 2 7 18 6 7 5 5 6 14 2 9 13 3| 8 14 5, 7 18 io| 7 5 8; 6 14 6, 9 13 6 8 14 8 7 ig 1 7 5 11 6 14 g 9 13 9 8 15 o 7 19 4 763 6 15 1 9 14 o 8 15 3 7 19 8 766 6 15 5 9 14 4 8 15 7 800 7 6 11 6 15 9 9 14 8 8 15 11 804 7 7 3 6 16 1 9 15 o 8 16 3 8 o g 7 7 8 6 16 6 9 15 4 8 16 7 8 1 1 7 8 1 6 16 11 10 12 9 12 o 8 13 1 7 17 6 7 4 4 6 13 1 11 12 13 14 13 14 15 16 17 18 6 3 5! 5 14 11 5 7 7 5 1 1 4 15 3 638 5 15 3 5 7 10 5 1 4 4 15 6 6 3 11 5 15 6 5 8 2 5 1 8 4 15 10 6 4 3 5 15 10 5 8 5 5 1 11 4 16 2 646 5 16 1 5 8 9 5 2 3 4 16 6 6 4 ioj 5 16 5! 5 9 1 527 4 16 10 6 5 1 5 16 9 5 9 5 5 2 11 4 17 2 6 5 5 5 17 1 5 9 9 5 3 3 4 17 7 6 5 9 5 17 5 5 10 1 5 3 8 4 18 o 6 6 1 5 17 10 5 10 6 5 4 1 4 18 5 6 6 6 5 18 3 5 10 11 5 4 7 4 18 11 6 6 11 5 18 8 5 11 5 5 5 1 4 19 5 6 7 5 5 19 2 5 11 11 5 5 7 500 15 16 17 18 19 19 20 21 22 4 10 1 4 5 5 4 1 3 3 17 6 3 14 1 4 10 5 4 5 9 4 1 7 3 17 10 3 14 5 4 10 8 461 4 1 11 3 18 2 3 14 9 4 11 o 465 423 3 18 6 3 15 2 4 11 5 469 428 3 18 11 3 15 7 4 11 9 4 7 2 4 3 0 3 19 4 3 16 o 4 12 1 476 4 3 5 3 19 9 3 16 5 4 12 6 4 7 11 4 3 10 402 3 16 10 4 12 11 4 8 5 4 4 4 408 3 17 4 4 13 5 4 8 10 4 4 10 4 I 2 3 17 11 4 13 11 4 9 5 4 5 4 4 1 9 3 18 6 4 14 5 4 g 11 4 5 11 424 3 19 2 4 15 o 4 10 7 467 4 3 0 3 19 10 20 21 23 24 22 23 24 25 26 27 28 29 3 i° n 3 8 1 3 5 6 3*3 2 3 1 o 3 11 4 386 3 5 11 3 3 6 3 1 5 3 11 8 3 8 10 364 3 3 11 3 1 10 3 12 1 3 9 3 369 3 4 5 323 3 12 6 3 9 8 3 7 2 3 4 10 329 3 12 11 3 10 2 3 7 8 3 5 4 3 3 3 3 13 4 3 10 7 3 8 2 3 5 10 3 3 9 3 13 10 3 11 2 3 8 8 3 6 5 3 4 4 3 14 4 3 11 8 3 9 3 3 7° 3 5 0 3 14 11 3 12 3 3 9 10 3 7 8 3 5 8 3 15 7 3 12 11 3 10 6 3 8 4 3 6 5 3 16 3 3 13 8 3 11 3 3 9 2 3 7 2 3 17 o 3 14 5 3 12 1 3 9 11 3 8 , 25 26 27 28 29 30 31 32 33 34 2 ig o 2 17 2 2 15 6 2 13 11 2 12 6 2 19 5 2 17 7 2 15 11 2 14 5 2 13 o 2 19 10 2 18 1 2 16 5 2 14 11 2 13 6 304 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 2 18 7 2 17 2 2 15 11 326 3 o 10 2 19 3 2 17 10 2 16 7 3 3 2 3 1 6 300 2 18 7 2 17 4 3 3 1° 323 309 2 19 5 2 18 2 3 4 7 3 3° 3 1 7 303 2 19 1 3 5 6 3 3 11 326 3 1 3 3 o 1 364 3 4 10 3 3 6 323 3 1 2 30 31 32 33 34 35 36 37 38 39 40 2 11 2 2 10 o 2 8 11 2 7 10 2 6 11 261 2 11 8 2 10 6 2 9 5 285 276 268 2 12 3 2 II 1 2 IO O 2 9 0 2 8 I 2 7 4 2 12 9 2 11 8 2 10 7 298 289 280 2 13 5 2 12 3 2 11 3 2 10 4 2 g 6 288 2 14 o 2 12 11 2 11 11 2 II o 2 IO 2 296 2 14 8 2 13 8 2 12 8 2 11 9 2 11 o 2 10 3 2 15 5 2 14 5 2 13 5 2 12 7 2 11 10 2 11 2 2 16 3 2 15 3 2 14 4 2 13 6 2 12 9 2 12 1 2 17 1 2 16 1 2 15 3 2 14 6 2 13 9 2 13 2 2 18 1 2 17 1 2 16 3 2 15 6 2 14 10 2 14 3 2 ig 1 2 18 2 2 17 4 2 16 8 2 16 o 2 15 6 302 2 19 3 2 18 6 35 36 37 38 39 40 2 17 10 2 17 3 2 16 9

H.—Bd

15

FIFTH

Appendix No. 1—continued.

Class of Assurance, with Participation in Profits. Age 38. Age 39. Age 4U. Age 41. Age 42. Age 43. •\ge 44. Age 45. Age 46. \go 47. H " o M rD U_ 81* 01 -T3 01 O **' 2 « OJ . P OJ o 0 " Si, a 01 re A Bs B 10 B15 B20 B25 B30 B35 Annual premium during whole term Single payments Annual premiums,— Limited to 10 years .. 15 » 20 £ »• d. 2 17 5 46 6 o 6 I 6 £ »• d. 2 19 3 47 4 o 638 4 11 10 3 16 8 3 8 4 3 3 7i 3 ° 10 £ s. d. 3 1 3 48 2 o 6 6 1 4 13 9 3 18 5 3 10 o I 3 5 3 327 £ *. d. 3 3 4 49 1 o 6 8 6 4 15 8 402 3 11 9 370 £ s - d. 3 5 7 50 o o 6 11 1 4 17 9 420 3 13 7 3 8 11 £ s - d. 3 7 » 51 ° °, 6 13 8 4 19 10 4 4° 3 15 6 3 10 10 £ »■ d.l 3 10 6 52 o o 6 16 6 I £ s. d. 3 13 2 '53 1 o 6 19 4 5 4 6 484 3 19 10 3 15 4 £ s- d. 3 16 o 54 2 o 724 5 6 11 4 10 8 422 £ s - d. 3 19 1 55 4 o 7 5 6 5 9 7 4 13 2 4 4 9 25 „ 30 „ 35 » 4 10 1 3 15 I 3 6 10 320 2 19 3 522 462 3 17 8 3 13 1 • • i . Annual Premiums, — Payable for 10 years .. „ 11 9 15 8 8 16 11 8 1 6 7 8 5 6 17 5 9 16 o 8 17 4 8 1 11 7 8 11 6 17 10 9 16 5I 8 17 9 824 7 9 5 6 18 5 9 if) ii 8 18 3 8 2 II 9 17 6 8 18 11 8 3 6 7108 6 19 8 9 18 1 8 19 7 8 4 3 7 11 5 706 9 18 10 904 850 7 12 3 7 1 4 9 19 8 912 8 5 11 7 13 2 724 10 o 6 10 I 5 9 3 0 8 7 10 7 15 2 7 4 5 T3~ OJ rt o ■5 S £ It OJ OJ h3 l«H o ■v a oj OJ ■s * ,0 rt'C Cm o Jr 0 .13 ••»ui E « OJ 01 re 0 b r-< ° I oi OJ CJ a a u a 01 01 < c e ■s o 13 a 9 2 I 8 6 10 12,,.. 13 » •• 14 » ■■ 7 io o 6 19 o 7 14 1 7 3 4 15 » •• 16 „ 17 » •• 18 „ .. 6 7 10 5 19 8 5 12. 5 562 506 685 602 5 13 o 569 5 1 2 6 8 11 609 5 13 8 5 7 5 5 1 10 6 9 7 6 1 5 5 14 4 5 8 1 5 2 8 6 10 4 622 5 15 2 5 8 11 5 3 6 6 11 2 6 3 1 5 16 o 5 9 11 5 4 6 6 12 o 640 5 17 o 5 i° 11 5 5 7 6 13 1 651 5 18 2 5 12 1 5 6 10 6 14 1 662 5 19 4 5 13 4 5 8 1 6 15 3 675 607 5 14 8 596 19 » •• „ 20 „ 21 22 4 15 7 4 11 2 4 7 3 4 3 9 407 4 16 3 4 11 11 480 446 4 1 5 ! 4 17 o 4 12 8 489 4 5 4 423 4 17 10 4 13 4 4 9 8 463 4 3 3 4 18 9 4 14 6 4 10 8 4 7 4 4 4 4 4 19 9 4 15 7 4 11 10 486 4 5 7 5 o 11 4 16 9 4 13 1 4 9 10 470 522 4 18 1 4 14 6 4 11 3 486 5 3 6 4 19 6 4 15 11 4 12 10 4 10 1 5 5 0 5 1 o 4 17 7 4 14 6 4 11 10 23 „ .. 24 „ .. 25 „ 26 „ . 27 „ .. 28 „ .. 3 17 9 3 15 2 3 12 11 3 10 10 3 9 0 3 18 7 3 16 1 3 13 10 3 11 10 3 10 o 3 19 6 3 17 1 3 14 10 3 12 11 3 11 1 407 3 18 2 3 16 o 3 14 1 3 12 4 4 1 8 3 19 4 3 17 3 3 15 4 3 13 8 430 408 3 18 8 3 16 10 3 15 2 4 4 5 422 402 3 18 5 3 16 10 460 4 3 9 4 1 10 402 3 18 8 4 7 8 456 4 3 8 420 4 o 7 4 9 6 4 7 5 4 5 7 4 4 0 428 29 „ .. 30 ■■ ■■ 31 » •• 32 „ ■■ 33 » •• 34 •■ •• 3 7 4 3 5 10 3 4 6 3 3 4 323 3 8 5 3 6 II 3 5 8 3 4 6 3 3 6 3 9 7 3 8 2 3 6 11 3 5 10 3 4 10: 1 3 10 10 3 9 6 3 8 3 3 7 3 364 3 12 3 3 10 11 3 9 9 3 8 9 3 7 11 3 13 9 3 12 6 3 11 5 3 10 6 3 9 8 3 15 6 3 14 4 3 13 3 3 12 5 3 11 8 3 17 4 3 16 3 3 15 3 3 14 5 3 13 9 3 19 4 3 18 ,1 3 17 '5 3 16 8 | 4 1 7 407 3 19 9 35 . •■ 36 . •• 37 » •• 38 . •• 39 . ■• 3 1 4 306 2 19 9 2 19 2 2 18 7 327 3 1 10 312 307 3 o 1 3 4o; 3 3 3 327 3 2 1 3 1 7 I 3 5 6 3 4 10 3 4 3 3 3 9 3 7 2 3 6 6 360 3 9 0 3 8 5 3 11 o ! I Age 29. 2 4 5 Age 28. 2 3 3 2 3 5 4° • •• 2 18 2l 2 19 7 Age 33. 2 9 7 2 9 II Age 32. 2 8 3 286 289 Age j 31. 2 6ll ; Age SO. 258 2 5 10 261 265 2 6 10 248 2 4 11 252 256 2 5 II 2 3 8 2 3 II 243 248 2 5 1 Age 35. 2 12 7 2 12 II 2 13 4 2 13 9 Age 31. 2 11 1 272 2 7 5 2 7 9 Age 38. 2 17 9 Age 37. 2 15 II 2 16 4 Age 88. 2 14 3 2 14 7 2 15 o 2 11 4 2 11 9 2 12 2 2 12 7 2 IO 3 2 10 7 2 II 0 2 II 6 292 2 9 7 2 10 o 2 10 7 282 287 2 9 I 298 273 278 2 8 3 2 8 10 264 2 6 IO 256 2 6 T 267 2 7 3 2 7 5 280

H.— 8d

16

SCHEDULE.

THE PUBLISHED TABLES OF PREMIUMS Which were in Use on the 31st December, 1906.

3—H. So.

Age 48. Age 49. Age 50. Age 51. Age 52. Age 53. Age 54. Age 55. Age 56. Age 57. Age 58. Age 59. Age GO. A £ s. d. £ s. dj 4 2 31 4 5 7I £ •■ d. 492 £ s. d. 4 13 o £ s. d. £ s. d. 4 17 2 5 1 7 I 60 16 o ! 62 o o > £ •■ d. 564 £ »■ d. 5 11 5 £ «■ d.J 5 16 n ! I £ s. d.j ! 6 2 IO' \£ s. d. ,692 £ *• d. 6 16 I I £ S. d. 7 3 7 A Bs 56 5 057 7 b 58 10 o 59 13 o 63 4 o 64 9 o 65 14 o 166 19 o. ! I 68 4 o 69 10 o 70 16 o Bs B 10 B15 B 20 B25 B30 B35 7 8 8 7 11 10: 5 12 3 5 15 o| 4 15 9 4 18 4 4 7 4 4 10 11 7 15 2 5 17 10 512 I 4 13 o 7 18 8 6 o 11 5 4 3 8 2 5 ! 8 6 3 643679 5 7 6 5 11 o 8 10 3 6 11 5 5 14 8 1 8 14 6 6 15 3 5 18 8 8 19 o 6 19 6 938; 7 3" 987 7 8 6 9 13 10 7 13 6 9 19 4 7 18 11 B 10 B15 B20 B 25 B30 B35 •■ •■ Term of Years. Term of Years. 10 11 12 10 2 4 10 3 4 9 4 °i 9 5 1 8 8 n| 8 10 o 7 16 3' 7 17 6 7 5 7; 7 611 6 16 6 6 17 10 6 8 8. 6 10 1 620636 5 16 I: 5 17 8 5 11 o 5 12 8 10 4 5 963 8 11 3 7 18 9 7 8 3 10 5 8 976 8 12 8 803 7 9 10 10 7 o 990 8 14 3 8 1 11 7 11 7 1087 9 10 8 8 16 o 8 3 9 7 13 6 io 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 0 10 14 4 9 16 9 925 8 10 6 808 10 16 8 10 19 3 10 1 11 9 7 10 8 16 3, 867 11 2 1 11 5 2 10 8 1 10 13 14 9 19 3 9 5 0 8 13 3 8 3 6 10 4 11 9 io 11 8 19 5 8 10 o 9 14 4 930 8 13 9 II 12 13 14 15 16 17 18 19 6 19 4 6 11 8 6 5 1 5 19 5 5 14 6 710 6 13 5 6 6 11 6 1 4 5 16 6 7 2 10 6 15 4 6 8 11 6 3 5 5 18 8 7 4 10 6 17 6 611 2 6 5 9 612 7 7 2 6 19 10 6 13 8 684 6 3 10 7 9 7 725 6 16 4 6 11 2 6 6 9 7 12 4 7 5 3 6 19 4 6 14 3 6 10 o 7 15 3 7 8 4 j 727 6 17 »\ 6 13 7 7 18 6 i 7 11 9: 762 1 7 1 5, 6 17 6: 821 7 15 7 7 10 1 7 5 7 7i9 S 6 1 7 19 8 7 14 5 7 10 1 766 15 16 17 18 19 20 21 22 23 24 567584 528546 4 19 4! 5 1 2 4 16 4 1 4 18 3 4 13 8 4 15 9 5 10 3 5 6 61 5 3 3| 505 4 17 11 5 12 3 5 8 8 5 5 6 529 505 5 14 7 511 ° 580 5 5 4 5 3 2 5 17 2 5 13 8 5 10 9 5 8 3 562 5 19 11 5 16 7 5 13 10 5 11 5 5 9 5 630 5 19 10 5 17 2 5 14 11 5 13 0 665 6 3 4 6 o 10 5 18 8 6 10 1 6 7 3 6 4 10 6 14 2 6 11 5 6 18 8 20 25 26 27 28 4 11 5 4 13 6 4 9 5 4 11 8 4 7 9i 4 10 0 4 6 3 4 8 7 4 5 °, 4 7 5 4 3 "I 4 6 5 4 3 °| I 4 15 10 4 14 1 4 12 6 4 11 2 4 10 1 4 18 5 4 16 8 4 15 3 4 14 1 5 1 3 4 19 8 4 18 3 5 4 4 5 2 10 5 7 9 Age 18. 1 14 1 I 14 2 Age 17. I 13 2 1 13 3 1 13 5 Age 16. I 12 3 I 12 4 I 12 6 1 12 7 Age 15. 1 11 4 1 11 5 1 11 7 1 11 8 64 63 62 6l 60 Age 20. I 15 9 1 15 i° 1 16 o I l6 2 I 16 4 Age 19. I 14 II Age 21. 1 16 6 1 16 8 1 16 10 1 11 10 29 Age 22. 1 17 4 1 17 6 1 17 8 1 13 6 1 13 8 1 13 11 1 14 1 1 14 4 I 12 o I 12 2 I 12 5 I 12 8 59 58 57 56 55 30 31 Age 23. I 18 2 I 18 4 1 15 o I 15 2 1 15 4 1 15 6 1 15 9 1 14 4 1 14 5 1 14 8 1 14 10 1 15 1 1 12 9 I 12 II Age 25. 200 Age 24. I 19 I I 13 2 I 13 4 1 13 7 1 17 o I 12 II 52 51 50 Aee Age 2f5 - 27. '210 2 2 I 2 I 3 2 2 4J 2 I 5 2 2 6| 2 I 8 2 2 10 2 I II 2 3 i| 223 235228 2 3 IO 2 3 I 2 4 3 2 36 202 205 207 2 0 10 1 19 3 1 19 5 1 10 7 1 19 10 202 I 18 6 1 18 8 I 18 II I 19 2 1 19 6 1 17 10 I 18 1 1 18 4 1 18 7 1 18 11 1 17 2 1 17 5 1 17 9 1 18 o 1 18 4 I l6 7 I 16 IO I 17 2 I 17 5 I 17 IO 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 1 14 11 1 15 3 1 15 7 1 16 o 1 16 5 1 16 11 I 13 II 1 14 3 1 14 7 1 14 11 1 15 4 I 13 3 1 13 6 1 13 11 1 14 3 1 14 9 54 53 52 51 50 49 48 47 46 45 2 I 2 2 I 6 2 III 2 2 4 2 2 10 2 o 6 2 O 10 2 I 3 2 I 8 1 19 10 203 208 211 2 I 8 1 19 3 1 19 8 2 O I 207 2 12 1 18 9 I 19 2 1 19 7 201 208 I 18 2 I 18 8 I 19 I 1 19 8 203 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 17 5 1 18 o 1 18 8 1 15 10 1 16 4 I 16 10 1 15 2 1 15 8 1 16 3 1 16 10 49 48 47 46 45 1 17 5 I 18 o 1 17 5 2 2 .2 44 43 42 41 24924O 2 5 3 2 4 7 2 5 11 2 5 3 2 6 7 2 5 11 2 3 4 2 3 II 2 4 72 5 4! 2 2 9 2 3 4i .240, ! 2 4 9 : 2 2 2 I 2 2 IO 236 243 2 19 224 23I 2 3 i°! 2 I 3 2 I II 2 2 8 2 o 10 216 223 2 3 1 204 211 2 1 10 228 1 19 10 207 214 222 1 19 3 200 1 18 81 1 19 5! 203, 211 1 18 I 1 18 10 1 19 8 206 44 43 42 41 209 217 2 3 5 I

H.—fcj.

FIFTH

Appendix No. 1—continued.

17

JOINT LIVES. Temporary Annual Premiums required to secure /ioo, payable on the failure of either Life. (With Profits.) ASSU RANCES. © -fi Difference between Age of Elder and § £ £> Younger Life. &t% 0 Years. 2 Years. : 4 Years. . ti Years, j 8 Years. < ' 1 !_ I' I - Premium to be paid for assuring £100 on a Single Life. ( Without Profits.) 10 Years. £ s. rf. I £ s. rf. £ s. d. £ s. d. £ s. rf. 20 2 14 n j 2 16 1 j 2 17 4 2 18 10 307 21 : 2 16 o ; 2 17 2 1 2 18 7 3 "o 2 3 2 o 22 2 17 2 , 2 18 4 2 19 10 3 1 6 3 3 5 23 2 18 3 2 19 73 1 2 3 2 11 3 4 11 24J2I9 6I3 011I3 2 7 345 3 66 2 5 ' 3 o 11 360 382 26 3 2 4 3 3 11 ' 3 5 9 : 3 7 9 3 10 o 27 3 3 11 j 3 5 7 3 7 5 I 3 9 6 3 11 10 28 3 5 6 3 7 3 3 9 2 3 11 4 3 13 10 29 3 7 2 3 9 o , 3 11 o 3 13 4 3 15 11 30 : 3 8 11 3 10 9 3 12 11 3 15 4 3 18 1 31 3 10 8 3 12 8 ; 3 14 11 3 17 5 4 ° 4 32 3 12 7 3 14 8 ' 3 17 o 3 19 8 4 2 9 33 3 14 6 3 16 9 3 19 2 420 453 34 3 16 7 3 18 11 ' 4 1 6 4 4 ° 4 7 n 35 3 18 10 4 1 3 I 4 4 o 47 1 4 10 10 36 4 1 2 4 3 8 466 4 9 11 4 13 11 37 ! 4 3 7 ; 4 6 2 4 9 3 4 12 11 4 17 2 38 I 4 6 1 ! 4 8 11 4 12 2 4 16 o 506 39 ! 4 8 9 ! 4 11 8 4 15 3 4 19 4 541 40 4 11 7 4 14 9 4 18 6 5 2 11 5 7 10 41 4 14 7 4 18 o : 5 2 o 568 5 11 10 42 ' 4 17 i° 516 5 5 9 5 10 7 5 16 2 43 , 5 1 4 ! 5 5 3 5 9 9 5 i| 10 609 44 5 5 1 i 5 9 2 5 13 11 5 19 4 6 5 8 45 5 9 0 5 13 5 5 18 5 642 6 10 11 46 5 13 3 5 17 10 6 3 1 fi 9 3 6 16 6 47 5 17 8 626 6 S 1 fi 14 9 726 48 623 675 6 13 5 706 789 49 672 6 12 8 6 19 2 768 7 15 6 50 6 12 5 j fi 18 3 752 7 13 3 828 £ s. rf. 307 320 3 3 5 3 4 11 366 382 3 10 o 3 11 10 3 13 10 3 15 11 3 18 1 404 429 4 5 3 4 7 11 4 10 10 4 13 11 4 17 2 506 5 4 1 5 7 10 5 11 10 5 16 2 fi o 9 6 5 8 fi 10 11 fi 16 6 726 7 8 9 7 15 6 828 £ s. rf. 326 3 4 ° 3 5 6 3 7 1 3 8 9 3 10 7 3 12 6 3 14 7 3 16 8 3 18 10 4 ' 2 4 3 8 463 490 4 12 o £ 03' Annual Annual Annual i&jS'S Premium Premium Premium c- 1 Year. 3 Years. 5 Years. 4 15 2 4 18 6 5 1 11 5 5 7 5 9 5 5 13 6 5 17 i° 6 2 7 677 613 o 6 18 9 7 4 11 7 11 5 7 18 4 8 5 9 8 13 7 Under £ s. d. £ s. rf. £ s. rf. 25 i o o i o 6 i i o 25 i o 8 i o ii , i i 4 26 i o io 114 1 1 10 27 113 1 1 10 124 28 1 1 10 1 2 5 ; 1 2 10 29 1 2 5 1 2 11 13 1 30 , 1 3 o 1 3 5 1 3 10 31 I 1 3 5 1 3 10 ; 1 4 3 32 1 3 10 1 4 3 , 1 4 9 33:i 4 2 148I154 34 148 1 5 3 , 1 5 11 35 153 1601167 36 1 fi o 1 6 8 ; 1 7 3 37 ! 1 fi 8 1 7 4 1 1 7 10 38 I 1 7 5 1801185 39 1 8 01 8 6 1 9 o 40 I 1 8 61 8'11". I 9 7 41 : 1 8111 9 6 | 1 10 4 42 1 9 5 1 10 3 1 11 5 43 : 1 10 3 1 11 3 1 12 8 44 j 1 11 2 1 12 7 1 14 o 45 ' 1 12 fi 1 14 1 1 15 7 46 1 14 i 1 15 8 1 17 2 47 1 15 9 1 >7 3 1 18 9 48 ; 1 17 3 1 18 10 204 49 | 1 19 02 05 222 50 1206221 240 5-||2 2li2 3II 262 52 ; 2 3 11 2 6 1 287 53i26-2 2872113 54 ! 2 8 7 2 11 3 2 14 2 IMMEDIATE ANNUITIES. 'IES. Showing the Sum to be paid for an Immediate Annuity payable by Half-yearly Instalments. 1 Annuity of /"io, "l MALE. FEMALE. 43 >s MALE. FEMALE. Double-Endowment ASSURANCES. 8O 79 78 77 76 75 74 73 72 71 70 69 68 67 66 65 64 63 62 61 £ s. rf. £ s. rf. 51 10 16 55 10 o 53 19 2 ; 58 5 O 56 9 2 ] 61 1 8 59 00 64 O O fil 12 fi 67 o 10 64 7 6 ■ 70 2 6 67 5 0 73 5 10 70 3 4 76 10 10 73 5 o 79 17 6 76 8 4 83 5 10 79 12 6 86 16 S 82 17 6 go n 8 86 2 6 94 9 2 89 7 6 98 8 4 92 12 6 102 o 4 96 o o 106 7 6 99 9 2. no 6 8 102 18 4 114 4 2 106 7 6 118 o o 109 16 8 121 15 10 £ s. rf. 60 113 7 6 59 117 o o 58 120 12 6 57 124 2 6 56 127 10 10 55 ' 130 16 8 54 134 o ro 53 137 4 2 52 140 5 o 51 143 5 0 50 I 146 4 2 49 j 149 o 10 48 151 16 8 47 154 10 10 46 157 5 o 45 159 17 6 44 162 8 4 43 164 19 2 42 167 9 2 4-) 169 18 4 40 172 6 8 £ s. rf. 125 12 fi 129 7 6 133 3 4 136 17 fi 140 11 8 (With Profits.) 144 4 2 147 14 2 151 4 2 154 12 6 157 19 2 161 4 2 164 10 o 167 15 o 170 18 4 174 o IO 177 o IO 179 19 2 182 16 8 185 11 8 188 5 10 190 18 4 For the Assurance of £100 in the event of Death during the Perm, and an Endowment of £100 in the event of the Life assured surviving the Term. Term Annual ierm. Premium. ■£.,. rf. 10 years 17 12 o 15 „ 11 o o 20 ,, 7 14 o 25 „ 5 16 o 30 „ 4 12 o 35 . 3 15 o

18

H.—Bd

SCHEDULE.

THE PUBLISHED TABLES OF PREMIUMS Which were in Use on the 31st December, 1905.

PREMIUMS and BENEFIT! "The Civil S IN ACC RVICE 1 drdance with regulations unde: nsurance Act, 1893." ANNUITY ASSURANCES ANNUITY ASSURANCES. 1 >, Tem.no Deferred Annuity, cornit rar,° mencing at Age 60. OA Insurance ' p ?i i'JS'Si Payable Payable MS Age 60. Halt : y yeal . ly . Quarterly. £ £ s. rf. / s. rf. 15 100 54 15 o 54 11 o 16 100 51 14 4 51 10 4 17 100 48 16 2 48 12 4 18 100 46 o 4 45 17 0 19 100 43 8 6 43 5 o 20 ' 100 40 19 10 40 16 8 21 100 38 13 4 38 io 4 22 i 100 36 9 2 36 6 4 23 100 34 7 2 34 4 8 24 : 100 32 6 8 32 4 o 25 100 30 7 6 30 5 4 25 100 28 10 4 28 8 o 2y 100 26 14 4 26 12 4 28 100 25 o o 24 18 o 29 100 23 7 4 23 5 8 30 100 21 16 4 21 14 8 31 100 20 6 10 20 5 4 32 100 18 18 4 18 17 o 33 100 17 11 6 17 to o 34 100 ! 16 5 10 16 4 8 35 100 15 1 4 15 o o 36 100 13 18 o 13 17 o 37 IOO 12 16 O 12 15 O 38 100 11 15 0 11 14 o 3g 100 10 15 2 10 14 4 40 100 9 16 4 9 15 8 / s. rf. 54 11 o 5i 10 4 48 12 4 45 17 o 43 5 o 40 16 8 38 10 4 36 6 4 34 4 8 32 4 o 30 5 4 28 8 o 26 12 4 2418 o 23 5 8 21 14 8 20 5 4 18 17 o 17 TO O 16 4 8 15 o o 13 17 ° 12 15 O 11 14 o 10 14 4 9 15 8 / s. rf. 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 Annual Premium, ceasing at Age 60. Deferred Annuity, comTT/ , , ineiLcing at Age 60. Annual wnme- Premium, T a l e ceasing Insurance. PayaWe Payable at Half-yearly. Quarterly. Age 60. / IOO IOO IOO IOO IOO IOO IOO IOO IOO IOO / s. rf. : / s. rf. 54 15 o 54 II o 51 14 4 51 10 4 48 16 2 48 12 4 46 o 4 45 17 o 43 8 6 43 5 o 40 19 10 ' 40 16 8 38 13 4 38 10 4 36 9 2 36 6 4 34 7 2 34 4 8 32 6 8 32 4 o 30 7 6 30 5 4 28 10 4 28 8 o 26 14 4 26 12 4 25 o o 24 18 o 23 7 4 23 5 8 21 ifi 4 21 14 8 20 0 10 j 20 5 4 18 18 4 18 17 o 17 11 6 J 17 10 o 16 5 10 16 4 8 15 1 4 < 15 o o 13 18 OJ 13 17 o 12 16 0 12 15 o 11 15 o I 11 14 o 10 15 2 10 14 4 9 16 4 I 9 15 8 / - s - d. 5 8 o 5 8 o 590 5 9 0 5 10 o 5 10 o 5 11 o 511 o 5 12 o 5 13 o 5 13 o 5 14 o 5 15 o 5 16 o 5 17 o 5 18 o 5 l 9 o 600 620 fi 3 o 650 670 690 6 11 o 6 13 o 6 16 o HI -*> Lh CC a hh oj.S < 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 IOO IOO IOO IOO IOO IOO IOO IOO IOO IOO IOO IOO IOO IOO IOO IOO * Payabli by monthly [eductions from salary. TABLE VI. TABLE YI.P. ENDOWMENTS ENDOWMENTS FOR CHILDREN AND OTHERS. FOR CHILDREN. Annual Premiums to secure /ioo 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.) Rates of Premium to secure /ioo in the event of Survival to End of Term. Premiums returned in the event of Death. (With Profits.) Age of Purchaser at nearest Birthday. Term of j j j ■ Under SO. 30-39. 40-44. 45-49. Age of Purchaser at nearest Hi; ■thday. Term of Years. Single. Annual. uuuer 3(j, JU-aa. j l-U-'KK «*-0-f». Under 30. 30-39. , 40-44. 45-49. £ s - d. 10 74 10 o 11 ; 72 5 o 12 70 1 o 13 67 19 o 14 I 65 18 o 15 63 19 0 16 62 o 0 17 60 4 o 18 58 8 o 19 56 14 o 20 55 1 0 2 1 53 9 o 22 5i 17 o 23 50 8 o 24 48 18 o 25 47 9 o £ s- d. 8 13 1 7 15 1 701 6 7 5 5 16 7 5 7 3 4 19 1 4 11 11 4 5 7 3 19 11 3 14 10 3 10 3 3 6 1 324 2 18 10 2 15 8 IO 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 / s. rf. 961 869 7 10 7 6 17 o 6 5 4 5 15 4 5 6 6 4 18 10 4 12 o 4 5 11 405 3 15 6 3 11 o 3 7° 3 3 3 2 19 10 £ s- d.\ £ s. rf. 9 10 5 j 9 19 1 8 10 7 ( 8 18 4 7 14 1 I 8 1 1 7 o 2 ' 7 6 6 6 8 3 i 6 14 1 5 18 o ! 6 3 4 5 9 o ! 5 13 11 5 1 1 j 5 5 8 4 14 2 ; 4 l8 5 4 7 11 i 4 11 11 4 2 4 j 4 6 1 3 17 3 4- o 10 3 12 8 3 16 o 387 3 11 8 3 4 9 3 7 8 3 13 3 4° / -■ d. 10 7 8 961 8 8 1 7 12 11 6 19 11 689 5 18 11 5 10 4 528 4 15 11 4 9 10 4 4 4 3 19 4 3 14 10 3 10 7 3 6 10

H.--BD.

19

FIFTH SCHEDULE.

Appendix No. 2. ASSURANCES FOR THE WHOLE TERM OF LIFE WITH WHOLE-LIFE PREMIUMS In force at 31st December, 1905.

Office Annuai, Premiums. Yearly Permanent Reduction of Preuiium. Number of Policies. Amount assured. Bonus Additions. Ordinary. T . Extra. Set Age attain e . Age attained. Extra. 'remiunis. Ordinary. 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 85 I 86 87 1 3 5 14 17 29 37 48 92 107 140 133 186 211 209 268 226 299 257 318 315 321 296 362 316 363 327 424 412 366 388 418 410 407 37° 361 348 345 3io 282 £ 650 900 1,000 3,050 4,250 7,150 6,950 n ,910 21,810 26,025 35,3°° 32,190 46, 660 51,830 53,"5 66,990 58,940 81,915 74,3/0 95,695 89,600 80,175 89,450 102,475 86,780 101,880 93-77° 116,173 105,840 106,520 107,663 H3,542 119,i°7 113,280 112,341 in ,472 96,444 93,360 98,644 75,693 88,656 105.040 80,869 93,282 90,569 91,710 57,954 72,073 6i,74i 54,58i 50,631 41,021 42,354 33,8o8 16,290 23,187 15,195 16,280 8,88o 6,100 4,250 2, IOO 5,015 2,870 1,450 520 IOO £ '■ 26 12 35 15 43 13 158 4 222 4 394 5 439 7 900 10 1,496" 7 2,171 8 3,215 17 2,882 3 4,49i 6 5,426 11 5,846 7 7,283 4 5,982 3 8,747 12 8,219 5 10,676 n 10,770 4 9,H5 4 10,723 o 11,611 12 10,460 16 12,918 16 11,519 g 14,393 6 12,719 o 13,725 18 14,681 19 16,071 4 16,711 o 16,132 12 17,275 3 17,409 I 14,455 9 14,134 17 i6,ng 18 12,754 2 15,954 8 18,095 5 15,179 6 16,838 o 19,386 9 17,986 2 11,418 19 14,597 4 n,530 6 10,969 10 9,570 5 7,649 12 9,354 17 7,143 15 3,525 13 4,108 18 3,838 7 3,398 3 2,022 10 1,131 14 914 3 288 1 899 13 752 15 393 10 147 ° 235 o £549,690 19 £ s - d. 10 4 10 14 5 o 15 16 7 48 18 6 69 n n "9 3 3 117 5 6 201 19 o 380 O IO ■ 452 17 9 620 4 7 575 1 4 843 12 3 947 19 9 991 10 o 1,274 17 7 1,144 3 11 1,624 1 9 1,518 8 8 1,960 1 8 1,876 16 5 1,715 1 8 1.924 16 10 2,286 8 6 1,948 o 8 2,307 1 5 2,149 4 4 2,698 10 6 2,513 2 9 2,552 2 6 2,599 13 8 2,800 8 7 2.925 16 o 2,819 16 3 2,847 1 6 2.804 18 4 2,606 18 g 2,575 19 5 \ 2,68g 17 10 2,088 17 10 2,474 19 4 3,024 3 10 2,356 6 3 2,7gi 17 n 2,667 13 2 2,883 17 1 1.805 2 6 2,304 19 1 2, 112 10 4 1,907 1 8 i,757 13 o 1,464 2 9 1,536 3 5 1,242 9 7 594 7 6 974 10 10 567 10 9 681 10 8 365 1 1 269 12 4 177 2 o 85 2 6 269 3 6 149 8 4 60 5 10 30 13 o 4 19 o 50 16 IO £96,270 2 6 £ 5. d. 500 1 10 o 1000 9 9 3 6 5 o 9 12 8 15 5 o 622 921 21 12 10 12 17 6 1200 25 17 11 19 18 o 24 18 4 26 11 6 34 13 8 50 13 8 25 15 6 59 1 2 55 o 4 35 5 3 54 13 9 46 16 10 56 10 1 68 16 5 58 o 2 71 o 1 76 11 7 59 15 2 71 17 4 64 17 6 65 15 3 90 1 5 45 11 1 79 4 1 77 1 6 76 8 6 62 1 5 55 10 2 86 16 6 63 16 2 67 13 6 30 15 7 3° 11 1 . 28 5 8 19 16 8 24 17 8 19 o 2 1468 11 6 7 5 16 8 667 3' 8 4 0100 1 4 8 £2,071 16 8 £ £ i. *. 7-319 10-527 n'745 36-381 52-164 89-494 88-534 153-068 290-093 345-459 474-I38 441-944 650-663 733-IOO 771-447 012 9g7'458 o 18 11 900-662 1,284-799 1,208-597 128 1,562-146 1,503-826 1 5 3 1,381-128 3 13 4 i,557-6oi 054 1,861-751 o 17 6 1,590-890 1,901-394 2 14 o i,776-387 4 4 4 2,248-815 o 16 6 2,100-428 032 2,157-267 800 2,197-752 1 5 4 2,380-853 090 2,515-376 1 2 8 2,426-749 504 2,458-487 460 2,428-670 538 -2,267-848 5 8 1 2,249-689 1 9 10 2,366-776 o 18 8 1,845-644 2,189-263 120 2,688-132 15 10 4 2,102-467 794 2,497-022 1 13 6 2,392-733 034 2,594-690 o 19 o 1,631-501 158 2,085-294 3 7 4 1,914-138 17 14 2 i,736-346 17 16 2 1,604-596 1,340-076 1 7 4 1,412-065 098 1,153-272 o 10 8 552-787 2 1 4 90I-358 532-616 638-034 344-236 082 254-546 168-815 81-566 254-806 141-267 59-667 28-750 4-620 48-384 ■■ £82,680116 121 3 9 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 85 86 87 3i° 356 277 . 325 2g6 291 212 242 203 180 164 149 134 107 64 55 41 52 29 24 15 9 8 8 5 4 1 2 I ,IOO £3,762,535 Totals 13,304

20

H.—Bd.

FIFTH SCHEDULE.

Appendix No. 3. ASSURANCES FOR THE WHOLE TERM OF LIFE BY LIMITED AND SINGLE PREMIUMS. In force at 31st December, 1905.

i Age attained. o - i Amount Bonus assured. Additions. H O _?N 1 <w O S3 ° co O . » Jh OJ >> 3 01 -^ sua a'-3 w Ch I £ 01 OC . si -5 Office Annual Premiums. Ordinary. Extra. Yearly jrr et Permanent Premiums, deduction Premiums. 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 85 £ s. d. £ s. d. 2 950 00 42 9 o 3 450 o o 25 18 o 2 4OO O O' 15 15 O 3 700 o o "40 13 o 7 2,000 00 181 ig o 6 2,200 o oi 32g 13 o 8 3,500 o o 1 280 12 o 6 2,200 o o 1 156 o o g 2,900 o 01 373 3 o 8 2,900 o ol 428 1 o n 2,433 o °i 322 18 o 16 6,082 0 oj 1,325 17 o 8 1,716 o o; 155 6 o 12 4,750 o o 619 o o 7 2,541 o o 448 18 o 11 4,808 o o 978 16 o 7 2,028 o o 474 5 o 9 4,713 o ° 922 17 o 13 3,650 o o 655 15 o 10 4,167 o o 76g g o 7 2,016 o o 327 2 o 8 3,662 o o 306 18 o 12 4,164 o o 1,082 13 o 12 2,658 o o 801 12 o 20 7,784 o o i,56g 8 o 23 8,833 o o 1,803 i° ° 13 4,212 o o 1,045 18 o 14 5,955 o o 1,760 11 o 14 6,912 0 o 1,940 8 o 16 8,096 o o 2,910 n o 23 7,747 o o 2,277 13 o 2g 12,304 o o 3,811 4 o 19 11,072 o o 3,714 10 o 22 9,338 o o 2,688 7 o 24 13,276 o o 4,784 11 o 1 30 14,728 o o 5,265 2 o 36 15,203 o o 5,041 15 o 24 8,947 17 o 3,699 19 o 37 20,107 o o 6,007 i° o 43 15,663 o o 5,556 8 o 25 9,756 o 0 3,340 7 o 31 M,274 3 5 4,459 11 o 23 10,251 o o 3,213 16 o 22 8,620 o o 3,434 10 o 17 8,101 o o 2,391 3 o 14 10,500 o o 2,036 10 o 15 6,090 o o 2,011 13 o 7 1,854 ° o 582 10 o 10 3,599 00 1,169 19 o 10 2,940 O Oi 861 16 o 6 1,878 o o 608 10 o 7 5,151 o o 1,088 19 o 4 576 o o 229 6 o 4 1,607 o ° 289 3 o 2 2,500 00 1,050 13 o 5 3,400 o o 1,265 17 o 1 312 00 63 8 o 2 541 o o 544 14 o 1 81 o o 52 I o £ s. d. £ s. d. £ £ s. d. . 1906 1907 190S 1909 6 16 7 n 44-8 48-3 43'° 468 100 3 3 287 n o ; 125 9 7 242 18 o 'I » 1 7 2 120 82-992 242-303 105-134 207-870 10 5 o T gie ign igi2 1913 1914 n 43'4 45-1 39'1 41-8 4i-i 152 8 3 106 12 1 124 12 10 139 o 0 ! 174 16 7 i ) 11 7 16 8 o 12 6 126-578 91365 101-458 117-872 145-808 7 14 12 16 1915 igi6 1917 igi8 igig 7 7 8 4i-4 37-o 42-3 35'3 35-i 81 19 n 70 8 10 67 5 7; 91 ig o 71 14 4 » ) r 68-878 57-125 56926 75-77I 58971 1 19 II 6 7 ig20 ig2i ig22 1923 1924 1 1 2 34-o 330 44-0 38-0 30-2 2 8 8: 4 ig oi 26 n 4 10 13 9 36 9 1 I > 1 o 10 4 i-g66 3-932 22-200 8-707 2giig :: 1 2 5 1925 1926 1927 1928 1929 2 4 3 365 37-0 380 17 5 o 27 4 4 22 14 10 1 . 1 13-647 21-934 18-428 2 38-5 23 9 8J 19563 1934 1937 1939 1 1 1 41-0 28-0 26-0 2 12 8 3 18 4 3 14 8 2170 3028 2-846 790 £329,797 ° o o -i Totals 160 4i'2 £2,oig o 7 £« 8 8 £1,686-591 £12 4 11 !

8.--8 D

21

FIFTH SCHEDULE.

Appendix No. 4. ENDOWMENT ASSURANCES (MATURING AT AGE 80) In force at 31st December, 1905.

Age Number of attained. Policies. Amount assured. Bonus Additions. 1 Office Annual Premiums. Premiums. Net Yearly Permanent Keduction of Premium. Age attainei Ordinary. Ordinary. Extra. i 15 4 16 8 17 4 18 11 19 10 9.0 19 21 17 22 31 23 33 24 41 25 44 26 51 27 52 28 67 29 70 30 89 81 94 | 32 87 83 105 34 93 35 101 36 112 37 118 38 86 39 102 : .40 86 41 94 42 95 43 88 44 64 45 66 46 74 47 45 48 46 49 56 50 26 51 35 52 30 53 2g 54 ■ . 23 55 16 56 7 57 32 58 14 59 6 60 4 61 10 62 8 63 1 64 4 65 3 66 1 £ 1, IOO 2,350 800 3,250 2,550 5,250 4,050 9,300 8,600 11,250 14,IOO 11,500 14,850 19,750 20,goo 24,750 24,750 21,650 26,750 23,050 2g,ioo 29,650 32,800 26,700 36,050 21,600 26,350 24,732 26,000 20,600 16,IOO 18,913 11,800 10,950 16,028 6,580 7,583 8,431 6,750 5,850 5,650 2,200 7,250 2,62g 1,850 1,200 3,35o 4,900 IOO 1,000 1,150 200 £ «• -2 4 4 19 30 10 23 2 52 O 75 9 105 17 87 4 87 15 116 12 154 9 128 14 185 8 213 15 126 19 221 1 151 19 264 10 264 n 230 3 225 9 204 16 131 1 221 15 240 19 278 19 182 4 129 14 200 10 95 11 61 13 144 *3 63 16 71 16 53 14 92 15 66 7 67 6 47 5 49 9 17 10 2 o 15 10 65 5 12 10 10 5 3 15 4 o £ «• -2 4 4 19 30 10 23 2 52 o 75 9 105 17 87 4 87 15 116 12 154 9 128 14 185 8 213 15 126 19 221 1 151 19 264 10 264 n 230 3 225 9 204 16 131 1 221 15 240 19 278 19 182 4 129 14 200 10 95 11 61 13 144 13 63 16 71 !6 53 14 92 15 66 7 67 6 47 5 49 9 17 10 2 o 15 10 65 5 12 10 10 5 3 15 4 o 1 i I I I 1 : I £ *■ d. 17 8 3 38 3 7 1 12 18 2 54 12 9 45 o 9 9i 13 11 72 15 5 170 4 o 159 14 3 214 14 10 278 9 4 231 6 8 305 9 4 412 3 2 449 4 4 543 17 4 555 10 4 503 10 3 634 8 7 566 12 o 720 18 7 767 3 4 1 871 n o 724 8 5 1,015 i° 8 635 10 9 787 11 4 759 15 3 817 15 3 674 4 2 553 2 o 664 9 3 436 12 2 420 19 3 636 2 7 274 4 8 321 8 g 381 8 n 3°9 3 6 285 18 5 278 3 10 107 5 n 394 13 4 152 4 2 125 11 g 73 18 10 212 ig 8 338 5 6 8 18 8 81 6 3 103 12 6 16 9 o £ •. d. 1 10 o 3 9 7 5 14 6 1 18 o 649 2 19 10 500 13 3 11 10 3 8 10 12 II 7 15 10 2 19 o 17 O IO 13 4 2 3 18 7 2 18 2 7 3 4 3 17 2 2 16 4 5 7 3 1 12 o 362 6 15 8 5 15 10 5 10 4 1 18 2 097 i"8 3 1 17 8 £ 12-628 27 627 9-349 39583 32-477 67820 53-159 125-877 118-412 158799 207-917 172-493 231083 311-877 344-082 416 790 427-532 390-942 49I-95I 442-3I7 563540 602-364 688006 574-649 812-284 5og-io2 631-912 614-611 660-395 546-93I 45o-5io 542-93I 356-434 347-758 525-905 226-314 267-112 317-119 255-986 240-287 233-050 91-132 333-217 129-393 106-648 63-825 180-230 297-066 7'574 70-997 90-121 14-258 £ s. d. •• 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 Totals 2,412 2,412 £664,596 ,6664,596 £5,287 8 £5,287 8 £19,309 4 11 | £156 11 6 £15,434-376

22

H.—Bd.

FIFTH SCHEDULE.

Appendix No. 5. ENDOWMENT ASSURANCES (ORDINARY) In force at 31st December, 1905.

Year of Maturity. Number Valuation of Age. Policies. , Amount assured. Bonus Additions. Office Annual Premiums. Ordinary. I Extra. Premiums. Net Yearly Permanent Reduction of Premium. Year of Maturity. 1906 1907 I908 1909 igiO igil 1912 1913 1914 1915 I916 1917 I9l8 . 1919 ig20 1921 1922 1923 1924 1925 ig26 1927 1928 1929 1930 1931 • 1932 1,933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1956 ig62 1967 214 55-5 354 54-3 390 52-3 415 52-3 469 50-0 433 49-3 626 48-4 618 47-3 691 45-4 718 44 -g 674 43-2 727 42-2 823 40-g 914 39-7 907 38-6 917 3S-1 958 1 37-0 1,083 35S 1,073 ; 35'4 1,190 ; 33'8 94° ! 33-3 1,006 ] 319 1,047 i 3i-7 993 : 30-6 1,100 ! 29-6 bog j 28-8 607 29-1 489 28-4 493 : 27-3 45i I 27-2 211 : 27-4 187 25-8 145 25-7 85 26-0 104 26-0 46 24-1 32 23-0 18 , 216 8 I 311 14 23-2 12 ! 225 7 j 187 6 ! 24-6 I 36-0 4 20-6 1 26 o 1 32-0 1 170 1 21-0 £ 50,523 83,819 83,970 95,197 99,660 88,897 136,551 123,865 135,473 144,269 134,024 144,998 164,022 178,555 170,900 ■73,735 180,357 206,982 202,863 216,707 171,450 189,493 201,125 186,075 206,475 113,825 118,307 92,005 97,385 94,753 41,700 40,500 3 1,800 18,550 23,475 9,750 8,300 4,45° 2, 100 3,650 2,450 850 1,700 500 500 IOO 300 500 IOO £ •■ 9,020 15 15,477 15 14,775 10 14,584 5 15,176 o . 12,610 8 19,524 19 16,043 5 15,900 1 15,238 9 13,796 1 14,154 o 13,546 17 13,814 19 11,856 8 10,859 13 9,35i 10 10,121 19 8,600 7 7,305 9 5,853 6 5,099 6 5,523 17 4,439 11 3,847 2 i,959 6 1,581 11 1,186 15 1,096 11 907 12 402 14 300 8 243 16 140 1 161 3 61 6 42 17 13 15 3 5 23 17 14 o 2 4 j i £ s - d. 2,346 17 6 3,474 6 2 3.342 15 2 4, 140 o 1 4,008 6 10 3,740 11 11 5.343 12 1 4,667 2 3 5,485 7 9 5,845 3 1 5,240 7 9 5,483 18 11 6,267 9 1 6,746 6 5 6,488 10 5 6,422 18 2 6,637 4 7 7,365 9 o 7,251 10 o 7,872 5 1 5,797 17 4 6,333 4 7 6,478 8 9 5,915 4 7 6,599 8 3 3,454 9 8 3,526 8 o 2,657 11 6 2,764 7 5 2,693 6 3 1,127 3 9 1,065 10 2 810 o 3 471 6 4 587 2 3 236 7 o 191 16 3 101 14 8 50 15 10 79 IO 2 52 4 7 17 5 8 36 15 2 13 1 8 10 7 10 212 770 8 18 4 1 15 4 3 16 o 3 4 0 £ s - d. 17 7 11 20 12 5 22 4 7 23 19 4 30 7 8 ig 11 10 31 9 5 29 1 o 7 21 13 10 51 18 o 29 19 1 14 4 3 1208 £ 2,088-752 3,083298 2,974235 3,668253 3,535 "9 3,257-794 4,656 698 4,071-364 4,763-518; 5,067684 4,491-211 4,698-900 5,367-244 5,758-480 5,489-787 5,408643 5,591 752 6,186-678 6,085-269 6,518-751 4,786-870..; 5,207758 5,328073 4,846- 108 5,349-0591 2,775638 1 2,824-327 ; 2, 126-458 2,205304 i 2,138308 888-368 835-I48 634 299 366902 454226 I79-6I3 148-058 j 77-205 ! 38-550 59-972 39-327 13020 28016 10-325 7-462 1-451 - 5-469 6-395 1-257 2708 2224 / 5. d. 6 11 5 822 1 18 6 8 4 4 j 2 15 2 I 9 7 jo 3 9 10 10 g o 8 1 6 7 '5 5 4 19 8 4 12 10 3 16 o 1 9 9 0 12 g 2 14 o 1 15 10 1906 1907 1908 1909 igio igil 1912 1913 1914 1915 igi6 1917 1918 1919 ig2o ig2i ig22 1923 1924 1925 1926 1927 ig 2 8 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1 go 1 1942 1943 1944 1945 1946 ■947 1948 1949 1950 1951 1952 1953 1056 ig62 1967 20 11 o 23 11 6 35 13 5 24 11 3 28 7 2 30 10 g 28 8 o 17 18 7 13 17 11 22 12 7 23 7 10 ig 12 6 8 16 1 692 8 1 6 18 16 2 10 12 8 290 o 18 o o 17 8 0 13 o 1 15 8 O 12 O 0 5 8 0 2 8 I 2 o o 17 4 1 10 2 o I IO I 24-0 I 180 200 20O 2 O Single and Lmtd. Pr'ms. !22,8l5 128 4-477,935 36,966 294,669 13 1,650 11 159,269 2 o 665 19 3 674 8 4 11 11 8 134,151-328 526223 88 18 4 S ingle and r.mtd Pr'ms. Totals • • ■22,948 £4,514,901 £296.820 4 £159,935 1 3 £686 0 0 £184,677*551 £88 18 4 •• ,idi itone's meal valuation a] ;e for si ims assured.

H.—Bd

23

FIFTH SCHEDULE.

Appendix No. 6. DOUBLE-ENDOWMENT ASSURANCES. In force at 31st December, 1905.

Appendix No. 7. NON-PROFIT SECTION (TRANSFERRED FROM TEMPERANCE SECTION). ASSURANCES FOR THE WHOLE TERM OF LIFE, WITH WHOLE-LIFE PREMIUMS. In force at 31st December, 1905.

Year of Maturity. Number Valuaof tion Policies. Age* Amount assured. Bonus — . Additions. Office Annual Premiums. Ordinary. Extra. Premiums. Year of Maturity. 1906 1907 1908 1909 igio 1911 1912 1913 1914 1915 igi6 1917 igi8 1919 1920 1921 1922 1923 1924 1925 ig26 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 10 7 2 6 17 23 13 16 1.3 58 75 30 48 63 129 171 88 143 170 224 108 121 263 390 526 58 • 74 158 306 339 5 14 22 87 173 56 2 47-4 ; 5i-o 37 9 506 501 49-1 43-6 43-o 43'3 42 o 40-3 40-8 40-3 384 37-6 359 35-6 336 346 364 304 29-7 29-3 29-3 29-7 27-4 248 25-8 25'0 22- 7 233 25'0 25-2 24-0 £ 3,100 2,600 400 1,400 3,600 5,826 3,464 37400 5,000 12,876 18,340 9,200 12,060 14,100 30,324 41,800 21,600 38,700 41,702 59,500 27,000 30,000 68,100 97,762 137,600 13,200 17,700 40,500 77,400 86,200 1,000 3,800 5,300 24,800 44,400 £ «■ 94 8 66 17 9 o 24 19 106 9 185 9 59 18 55 16 63 11 369 4 507 3 151 5 159 3 167 5 708 16 1,041 11 292 7 386 12 267 6 588 15 568 11 211 17 195 10 221 19 561 16 277 19 85 11 71 5 104 9 24 15 8 10 12 3 £ s. d. j 271 15 5 228 8 o 35 6 o j 122 14 5 212 3 o 314 14 6 230 5 3 210 12 6 322 2 5 587 5 6 702 411 397 6 8 528 4 3 608 g 2 1,084 5 8 1,297 19 2 735 18 4 1,322 2 11 1,475 10 ii 2,047 17 3 690 17 4 856 if) s i,g52 6 10 2,815 ii 8 3,898 10 3 277 10 5 412 7 6 940 15 7 1,803 1 1 2,041 4 10 19 4 8 73 8 10 102 7 4 i 485 14 3 867 9 8 £ 1. d. ; o 8 10 ' 5 8 £ 2 54-200 213200 32800 114-800 194925 291450 207 848 193075 292525 535-000 640-800 358- 350 480 150 554-175 962 45° 1,155-625 654-400 1,72-775 1,307-620 1,794-825 598028 735-600 1,681-350 2,418-750 3,341-475 233075 343-625 786-275 1,505275 !, 694-375 15-500 58-gOO 82-150 3844OO 688200 igo6 1907 igo8 1909 1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 ig22 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 Totals 3,950 £1,003.754 £7,649 19 £33.97-2 18 2 £1 14 6 i'25,977'971 * Lidstone's mean valuatio: age for su'os assured.

Age attained. Number of Policies. Amount assured. A P° n . us Officio Annual Premiums. Additions (allotted ——— ■—j '- """ Net Premiums. Age attained. 31 49 60 61 62 65 £ 200 300 200 200 150 IOO £ s. d. 4I8O 35 13 o £ s - d. 3 4 8 6 14 6 584 6 8 8 £ 2-416 5-469 4-912 5526 3-818 2872 31 49 60 61 62 65 4 4 4 328 £1,150 £40 11 0 £29 3 -2 1 £25'013 Totals

4—H. Bd.

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

H.—Bd.

FIFTH SCHEDULE.

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

Approximate Cost of Paper. —Preparation, not given ; printing {2,400 coj.ieß), £27 19s. 6d.

Price 9d.]

By Authority : John Mackay, Government Printer, Wellington.—l9o6.

24

Whole Life Assurance by Equal Annual Premiums „ . , .. . Assurances payable for the . _,_ „ * .... .ir h r -r tn Fifteen Years, or at Whole Term of Life. ' previous Death. Endowment Assurances payable in Twenty-five Years, or at previous Death. Endowment Assurances payable in Thirty-five Years, or at previous Death. True Age at Entry. MINIMUM SURRENDER VALUES AT THE END OF I 20 Years. 30 Years. 5 Years. 10 Years, i 15 Years. 25 Years. 35 Years. 5 Years. 14 Years. 5 Years, j 10 Years.! 20 Years. 24 Years. 5 Years. 10 Years. 34 Years. £ s. d. £ s. d. \£ a. d. i £ s. d. £ a. d. £ s. d. i £ a. d. £ s. d. £ s. d. 11 8 0 26 10 0 11 8 0 26 10 0 11 8 0 26 10 0 11 8 0 |26 10 0 £ s. d. £ s. d. £ s. d. £ 8. d. £ 8. d. £ 8. d. £ s. d. 15 3 1 0 6 8 0 10 2 0 ' 18 18 0 ; 30 7 0 25 0 0 89 5 0 67 5 0 90 2 0 6 11 0 15 8 0 37 8 0 72 1 0 91 3 0 20 2 16 0 1 6 19 0 1 11 4 0! 21 15 0 34 17 0 25 0 0 89 5 0 67 5 0 90 2 0 6 11 0 15 8 0 1 37 8 0 I 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 67 5 0 90 2 0 6 11 0 15 8 0 37 8 0 70 14 0 89 18 0 30 I 4 2 0 9 18 0 16 1 0 30 4 0 : 45 19 0 25 0 Ol 89 5 0 67 5 0 90 2 0 6 11 0 15 8 0 37 8 0! i 70 0 0 89 3 0 35 4 19 0 12 0 0 i 19 3 0 35 5 0 51 17 0 25 0 0 j 89 5 0 11 8 0 126 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 0 140 10 0 J 57 9 0 24 6 0 88 7 0 11 4 0 26 6 0 65 14 0 1 88 12 0 7 4 0 16 19 0 38 15 0 68 12 0 87 8 0 45 50 7 7 0 17 5 0 26 17 0 45 19 0 62 4 0 8 17 0 20 9 0 31 0 0 51 4 0 65 14 0 23 16 0 87 14 0 11 5 0 26 8 0 64 15 0 87 15 0 23 5 0 87 0 0 11 10 0 26 17 0 63 11 0 86 13 0 " " 1 l I 55 10 10 0 23 14 0 35 10 0 55 12 0 69 16 0 22 12 0 1 86 1 0 12 2 0 27 12 0 62 9 0 85 9 0 I 60 12 3 0 27 5 0;39 16 0 58 10 0 77 17 0 21 12 0 84 15 0