GOVERNMENT INSURANCE DEPARTMENT.

Appendix to the Journals of the House of Representatives, 1912 Session II, H-08b

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Session 11. 1912. NEW ZEALAND.

GOVERNMENT INSURANCE DEPARTMENT.

STATEMENTS IN CONNECTION WITH THE VALUATION OF LIABILITIES (FOURTH AND FIFTH SCHEDULES) FOB THE TRIENNIUM ENDING 31st DECEMBER, 1911

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

WELLINGTON.

1912.

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REPORT BY THK ACTUARY RESPECTING THE VALUATION OF THE LIABILITIES UNDEK LIFE POLICIES AND ANNUITIES OE THE NEW ZEALAND dor eminent Jnsnrana j§£prtment, In terms of Section 36 of the Government Life Insurance Act, 1908. (See Fourth Schedule.)

I. This date up to which the valuation was made was the 31st December, 1911. 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), and an addition has been made to this liability of ,£101,500, which has had the practical effect of reducing the interest basis to 3| per cent. Where the original premiums have been reduced by the application of amounts received in consideration of the surrender of bonuses or former policies the present values of such reductions have been added to the liability. In all cases where an extra premium was payable the policy has been valued at the true age, and a full proportion has been reserved for the unexpired risk for which the extra premium had been paid. Adequate extra reserves have been made for limited-premium policies and the immediate payment of claims in the case of whole-life assurances, and allowance has been made for the actual incidence of the premium income. Reserves have been made for Deferred Annuities equivalent to the premiums paid accumu-

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FOURTH SCHEDULE. lated at 4 per cent. Endowments have been valued as suras certain payable at the end of their respective terms, and mortality has only been taken into consideration 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 British Offices' Life Annuity Tables (1893), using 3 per cent, interest. 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 per cent, on sums assured and existing bonuses, for each premium paid since the last division; and an interim bonus is also paid, at the same rate, in respect of those policies which may be surrendered or become claims before the next distribution of surplus. The approximate profit from favourable mortality in the General Section and the Temperance Section respectively has been ascertained and specially divided among the members of the respective sections. The result is that temperance policies will, on this occasion, receive reversionary bonuses at the same rate as 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, British Offices' Life Annuity Tables (1893). IV. The rate of interest assumed in the valuation was 3j 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 £54,897 per annum and valued at £659,720, 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 £6,511 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, Foe the Pebiod commencing Ist January, 1909, and ending 31st December, 1911. £ s. d.\ £ s. d. £ s. d. Amount of tunds on ist January, igog .. 4,264,684 19 2 : Death Claims under Policies, Tontine Savings Fund No. 2, transferred at Assurances, including Bonus maturity .. .. .. .. 18,561 13 9 ■ Additions .. .. 416,239 19 9 Renewal Premiums .. .. .. 936,580 17 4 Endowment Assurances maNew Premiums .. .. .. .. 70,789 16 6 tured, including Bonus AdSingle Premiums .. .. .. 5,020 10 11 ' ditions .. .. .. 327,928 18 o Consideration for Annuities granted .. 47,754 15 10 ! Endowments matured .. 4,970 o o Interest .. .. .. .. 623,409 1 4 \ Premiums returned on EndowFees .. .. .. .. .. 10 o g ments .. .. ... 125 3 9 Bonuses surrendered for Cash 24,711 17 4 Annuities .. .. .. 47,944 9 o Surrenders, Ordinary .. 105,673 15 3 ~ Tontine Policies at maturity of their Tontine Periods 27,000 11 o Loans released by Surrender.. 64,380 4 4 1.018,974 lS 5 Commission, New* .. .. 50,725 10 2 Renewal .. 7,425 10 8 58,15! ° I 0 Land and Income Tax .. .. 39,151 10 7 Expenses of Management— Salaries, Head Office .. 48,752 6 8 Branch Offices and Agents.. .. 22,081 3 4 1 Extra Clerical Assistance .. 629 2 6 Medical Fees .. .. 14,750 3 6 Travelling-expenses .. 2,236 1 5 Advertising .. .. 2,g73 16 11 Printing and Stationery .. 4,502 14 11 Rent .. .. .. 8,236 15 8 Postage and Telegrams .. 4,630 2 8 Exchange .. ' .. 211 o 2 Office Furniture Depreciation 811 7 9 General Expenses .. 7,025 14 8 Triennial Expenses .. 3,724 310 120,564 14 o Investment Reserve Fund .. .. 30,000 o o Amount of Funds on 31st December, I 191 1 .. .. .. .. 4,699,969 11 9 £5,966,811 Is_j7 £5,966,811 15 7 r—i ' — * including Agents' allowances. VALUATION BALANCE-SHEET OF THE ! GOVERNMENT INSURANCE DEPARTMENT, j As at 31st December, 1911, Dr. £ s - d- Or. £ s. d. To Net value of Liabilities (as per Valuation By Accumulated Funds (as per Consolidated Summary) .. .. - - .. 4,483,899 o o Revenue Account) .. .. .. 4,699,969 11 9 To Surplus .. .. .. .. 216,07011 9 £4,699.969 " 9 £4,699,969 11 9

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FOURTH SCHEDULE.

Summary and Valuation of the Policies of the New Zealand Government Life Insurance Department, as at 31st December, 1911.

Particulars of Policies for Valuation. Assurances: Hm Table 3!% interest "(adjusted Values t0 Hm 3i% ba sis) : Annuities: British Offices Annuity Tables 189s . 3% interest. DESCRIPTION OF TRANSACTIONS. Number of Sums assured Policies. and Bonuses. Office Yearly Net ! Sums assured Office Yearly | Net Premiums. Premiums, and Bonuses. Premiums, i Premiums. Net Liability. ASSURANCES. I.—"With Participation in Profits. Whole-life Assurances —Uniform Premiums Limited, Single, and Commuted Premiums Endowment Assurances —Uniform Premiums.. Limited, Single, and Commuted Premiums Double Endowment Assurances — Uniform Premiums Limited, Single, and Commuted Premiums Deferred Endowment Assurances —with return of Premiums j Joint Life —Whole-life Assurances .. „ Endowment Assurances ,. ' ,. J Survivorship Assurances £ 10,253 3,534,332 655 347,959 27,615 6,194,552 215 64,419 8 ,4 6 3 ; 2,173,969 £ £ 72,848 1 62,225 905 750 198,483 ' 164,136 1,392 1,104 60,979 51,913 £ £ 2,179,526 769,435 237,193 3,59-4 3,828,645 i 2,163,141 33,7 2 5 i 14,816 991,405 : 803,565 £ 645,435 2,953 1,763, 865 11,631 677,075 £ ; I,534,O9I 234,240 2,064,780 22,O94 314,330 16 1,932 12 2,500 12 ' 5,544 1 1,000 2 55O ( 20,061 I 87 J and deferred I [ annuity, 4,307 j 45 36 251 202 59 48 8 6 1,266 i 60 I 3,355 i 2,744 614 ■ 671 87 : 95 2,204 549 63 1,266 6O 1,151 65 24 Annuity Assurances 1,013 931 22,174 I 12,389 11,416 IO,758 Reserve for extra Premiums 879 879 4,183,738 Add 6.511 Additional Reserve of Loading Total Assurances with Profits j Deduct 6,511 •• 47,331 12,346,818 335,983 I 281^351 7,298,929 3,770,450 3,108,680 4,190,249 II. —Without Participation in Profits. Whole-life Assurances —Uniform Premiums .. ' Endowment Assurances „ Deferred Whole-life Assurances —with return 01 Premiums '■ Deferred Endowment Assurances Industrial Assurances ! Temporary Assurances Total Assurances without Profits 528 109 3 I 44 3 6 j 166,340 25,812 1,000 8,400 60 3,4OO j 3,795 811 7 109 1 I 46 ! 3,605 736 6 96 64,876 12,196 14 75 3°_!_ 77,216 ! 64,688 12,567 77.255 J 61,389 I ",405 J 3,487 791 75 2 5 30 4.422 ! 4,194,671 101,500 I 30,729 _ 6,615 _ 37,344 693 ! 205,012 i 4,769 ! 72,794 4,443 Total Assurances 48,024 12,551,830 285,794 7,376,145 340,752 3,847,705 3,181,474 719 256 _ 99,296 32,I5O * Ad ustmeni I to place as surance reser \ ves on Hm 3J 1 basis ENDOWMENTS. Simple Endowments —with return of premiums .. ,. j Endowments —Premiums cease on death of purchaser Total Endowments 3,675 1,297 3O,729 6,615 975 131,446 37,344 37,344 ANNUITIES. ! Immediate : Deferred .. . . Total Annuities Total of the Results .. .. .. ' !1 (per annum) 16,992 106 __ 150,063 321 150,384 150,063 321 150,384 IOI 377 17,098 101 49,376 ; 12,683,276 and £21,405 per annum. 345,825 ! 285,794 and £2,329 extra premium (not valued). 7,563,873 J 3,847,705 3,181,474 4,483, 8 99 |_

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FOURTH SCHEDULE. VII. 1. The liabilities of the Department under life policies and annuities at the date of the valuation, showing the number of policies, the amount assured, and the amount of premiums payable annually under each class of policies, both with and without participation in profits, will be found in detail in the Valuation Summary, given on page 6. 2. The net liabilities and assets of the Department, with the amount of surplus, are shown in the Valuation Balance-sheet given on page 5. VIII. All participating policies which were in force at the date of the valuation, however recently effected, share in the profits. The reversionary bonuses allotted to policies recently issued follow the sum assured—i.e., they vest immediately, and are payable with the sum assured as a claim, however short the duration ; but they do not acquire a cash value for surrender purposes until the policies to which they belong have been two years in existence. IX. The results of the valuation are as follows :— (1.) The total amount of profit made by the Department during the three years ending the 31st December, 1911, including a balance of £56,765 19s. 2d. carried forward three years ago, was £230,718 Bs. Id., of which amount £14,647 16s. 4d. has been paid as interim bonuses during the triennium. (2.) The amount of profit divided among the policyholders as at the 31st December, 1911, was £207,105, which has been converted into reversionary bonuses amounting to £333,994. The number of policies which participated was 47,331, assuring the sum of £11,178,251, or, including reversionary additions, £12,346,818. (3.) The following are specimens of the bonuses which have been allotted, for the three years ending the 31st December, 1911, to policies for £100 upon which all previously allotted bonuses had been allowed to remain : —

Whole Life.

The cash values of the reversionary bonuses are computed by the H M Table of Mortality, with interest at 4| per cent. MORRIS FOX. Actuary. 21st April, 1912.

dumber of ifears in Force. AGE AT ENTRY, 20. Reversionary Cash Bonus. Value. AGE AT ENTRY, 30. AGE AT 41 ENTRY, I. AGE AT ENTRY, 50. versionary Cash Bonus. Value. Number of Years in Force. Reversionary Cash Bonus. Value. Keversionary Bonus. Cash Value. Reversionary Bonus. !5 20 25 35 40 £ s. d. 3 10 o 3 15 » 420 480 490 4 12 o £ s. d. £ s. d. 113 3 10 o 158 3 15 o I 12 2 4OO 1 l8 II 44O 246 480 2 12 2 4 13 O £ s. d. £ s. d. 175 3 10 o 1 13 2 3 14 o 200 3 19 o 277 430 2 15 4 480 3 4 4 4 12 o £ s. d. 1 15 o 2 2 0 298 2 17 5 364 3 14 ° £ s. 4. £ s. d. 3 io o 240 3 14 0 2 11 2 3 19 o 2 19 7 420 3 5 11 450 3 11 11 15 20 25 30 35 40 Bndowmbn 1 Assurance . —Ter: 20 Year: 5 10 15 20 3 4° 380 3 10 o 3 M ° 1 14 5 3 4 o 249 380 2 16 3 3 10 o 3 14 o 3 14 o 1 14 11 340 251 380 2 16 7 3 10 o 3 14 o 314 o 1 15 9 262 2 16 11 3 H ° 340 1 17 11 380 271 3 10 o 2 17 6 3 14 o 314 o 1 5 10 15 20

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IR E l> O H T BY THE In terms of Section 37 of the Government Life Insurance Act, 1908. (See Fifth Schedule.)

STATEMENT OF THE LIFE ASSURANCE AND ANNUITY BUSINESS OF THE GOVERNMENT INSURANCE DEPARTMENT ON THE 818T DECEMBER, 1911.

Question 1. —The published table or tables of premiums which are in use at the date above mentioned. Answer. —The tables of premiums in use are contained in Appendix No. 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 eacli 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 Appendices Nos. 2, 7, and 8, and similar information in respect of other policies is given in Appendices Nos. 3, 4, 5, 6, 7, and 9.

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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 (\. —-The total amount of premiums which has been received from the commencement upon all policies under each special class mentioned under heading No. I, which are in force at the date above mentioned. Answers to Questions 4, 5, and 6 arc contained in the following table: —

f-i l> .2:2 a? Sums assured. Annual Premiums. Class of Assurance. Reversionary Bonuses. Total Ordinary Premiums Received. Ordinary. Extra. With Profits. £ s. d. £ 5. d. £ s. d. £ s. d. / *■ <*. Endowment Assurances 24,248 4,248 4,793 ,?94 « ° 400,857 14 o 169,808 o 4 566 14 g 1,704,624 16 8 Long-term Endowment Assurances 3,582 3,582 2 1,030,710 o o 33,509 M ° 30,111 17 9 261 7 6 174,658 11 3 Double Endowment Assurances 8,479 8,479 3 2,147, 116 o o 28,785 9 o 60,978 13 4 1 5 8 312,650 7 6 Joint Assurances 13 13 3 6,300 o o 244 9 o 309 TO I 7 15 o 2,084 o S Survivorship Assurances 2 2 2 540 o o 9 10 o 8 4 7 53 n 4 Annuity Assurances 87 87 18,821 o o* 1,239 13 ° 1,013 9 3t 9,679 11 if Deferred Endowment Assurances 12 12 2,5OO O O 44 13 f > 60 o 3 Endowments: With return 599 599 3 85,175 o o 3,234 14 7 18,184 l6 G Endowments : Premiums ceasing on death of purchaser 256 256 32,150 0 o 1,297 8 7 7,110 t 6 8 Without Profits. 108 25,600 o o 804 15 3 o 15 8 946 in Endowment Assurances 108 Endowment Assurances (transferred from Temperance Section) 1 1 [ 200 O O 11 17 o 5 '7 0 73 2 6 Endowments: With return 120 14,121 O O 440 2 8 7,258 10 4 120 Deferred Endowment Assurances: ■14 ■14 8,4 00 o o 108 19 2 75 5 5 Industrial Assurances 3 3 60 e o 16 o 37 '3 3 Pemporary Assurances ' 6 ' 6 5,400 o o 45 9 5 178 2 2 Totals .. .. 1 37,560 J38,168,987 0 0 £464,658 6 0 £268,213 1 6 £837 18 7 £2,327,684 7 6 * And defer: f These am< red annuities for 7s. ounts are also given under " Deferred Annuit: ies " in answer t< Question 8. Question 7. —The tota tl amount of immediate annuities c in lives, disti Lguishing the amounts for ea tch vear of life.

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FIFTH SCHEDULE.

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

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! Amount of ■ Annuities. Age attained. Female. Malt. 26 27 35 37 38 40 41 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 87 88 89 92 * ' i £ s. d. 52 o 0 44 5 ° 610 o 25 16 8 100 0 o 58 17 o IOOO 20 19 4 32 7 8 100 O O 600 98 7 4 18 4 0 31 11 8 242 5 o 53 14 4 42 o o 76 10 o 101 10 o 258 ig 2 33 18 2 58 8 8 j 228 19 4 197 15 8 148 17 8 176 5 4 267 8 6 56 16 8 327 II 4 183 1 8 135 13 4 144 5 10 233 17 8 51 8 10 84 8 o 130 o o 577 17 4 85 2 4 155 13 4 81 11 8 322 10 8 52 o o 75 7 4 i £ S. d. ■■ 100 o o IOO O O 48 9 4 16 6 4 378 1 10 65 16 8 52 o o 308 14 o 48 o o 196 8 8 !0I I O 7 310 196 o 4 153 11 2 34 ■ 8 417 19 4 60 o o 440 1 8 321 4 G 52 o o I «j ij S 272 1 6 125 o o 589 11 4 771 1 2 492 1 2 253 3 8 533 12 11 463 19 2 248 3 8 412 11 8 762 18 6 216 17 li 604 3 2 162 1 o 152 5 5 394 *3 ° 204 6 8 403 14 10 290 15 2 195 13 o 57 3 4 50 o o 49 ° 5 55 18 8 Totals .. Totals .. r* f. £5,188 16 6 15 ,188 16 6 |£ll,063 13 4 Ages attained. Joint and Survivorship. Female. Male. ale. Amount of Annuity. 63-59 65-64 72-38 72-63 76-74 77-71 78-74 8 4 -6 9 Total .. I 1 .. ! 1 2 3 2 . . I 2 I I 2 2 3 2 / s. d. 200 o o 52 19 4 10 o o 72 18 4 88 3 o 80 ' 1 8 ' 1 2 193 1 o 42 9 8 £739 13 0

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FIFTH SCHEDULE.

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

ANSWER TO QUESTION 8. The Amounts of all Annuities other than those specified under Heading No. 7.

: * And temporary assurances for £10,024. '' And whole-life assurances for £8,797. t These amounts are also given in answer to Questions 5 and 6. Question 'J. —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 1909 ... ... ... 4 12 11 1910 ... ... ... 4 12 8 1911 ... ... ... 4 13 0 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. 10. 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 arc treated specially.

Class of Annuity. . Total Premiums Amount Annual Single received to . ... Premiums. Premiums. \ 31st December, Annuities. 191] Deferred (Premiums not returnable) £ s. d. £ s. d. £ s. d. £ s. d. .. I 62 o o 67 15 7 .. 148 3 4 Deferred (Premiums returnable) 44 o o 33 4 4 .. in 10 10 Deferred (Annuity Assurances)* 2,079 o 10 483 15 6 214 9 10 5,032 7 o{ Deferred (Annuity Assurances)! 2,228 6 2 529 13 9 29 14 o 4,647 4 ij Totals '. i £4,413 7 0 j£l,H4 9 2 £244 3 10 £9,939 5 3

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FIFTH SCHEDULE.

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

21st April, 1912.

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FIFTH SCHEDULE. Appendix No.1

t ge nearest iiri lay. Glass of Assurance, with Participation in Profits. Age 15. A lf Age 17. I Age 18. Age 19. Age 20. Age 21. Age Age 23. Age 24. I c/i .el .., S i8 d^ <! 2 « 2 s« ■§ S W £ s - d - 1 11 3 £ s. d. 1 12 2 £ s. d. 1 13 1 £ b. d. 1 14 o £ s- d1 14 10 £ ■■ d. i s. d. 1 15 7, 1 16 5 £ s. d. 1 17 2 i i8 o / s. d. I 18 II A Annual premium during the whole term B s I Single payments 30 7 o 31 1 o 31 15 ° 32 8 o 33 ° °| 33 I2 O |34 3 0 34 M °i 35 5 ° *.•■ 35 17 ° Annual premiums,— B 10 Limited to 10 years .. B15 „ 15 ,, B 20 „ 20 B25 „ 25 „ .. B 30 „ 30 „ B35 . 35 „ ■■ 4 1 8 2 19 y 291 2 2 n 1 19 o 1 16 4 4 3 6 3 11 2 10 3 2 3 II I 19 II 117 2 4 5 4 3 2 6 2 11 4 2 411 2 o 10 1 18 1 4 7 I 3 3 9 2 12 5 2 5 11 2 1 9 1 19 o 4 8 7i 3 4 11 2 13 5 269. 227 1 19 9 4 9 IO! 4 II 4 3 5 "I 3 7 o : 2 14 2 2 15 2 276284 233240 205212 4 12 6 3 7 i" 2 15 11 2 9 o 2 4 «■ 219 4 '3 io| 3 8 io 2 16 9 2yg '-5 4 226 I 4 J 5 4 3 10 o 2 17 8 2 10 8^ 2 6 2 2 3 3 HH _ Annual Premiums, — Payable for 10 years .. „ 11 „ 9 9 I 8 10 3 7 14 8 7 1 6 6 10 3 i y 9 8 8 10 10 7 15 2 720 6 10 9 9 10 4 8 11 5 715 9 727 6 11 4 9 10 11 8 12 o 7 16 3 7 3 1 611 9 9 11 3| 8 12 4 7 16 8 7 3 5 6 12 2 9 II 6 9 11 7 ; 8 12 7 8 12 9 I 7 16 ii 7 17 o 7 3 87 3 10 6 12 4| 6 12 6| 911 8 8 12 9 i 7 17 1 17 3" ; 6 I2 7 9 II 9 8 12 10 9 ii 10 8 12 11 1 cu o T3 a V OJ " 2 81* S° 05 0) o < c 6 W „ 12 13 . 14 » 15 » 16 „ « 17 « 18 » „ 19 ,/ 20 „ 21 „ „ 22 „ 23 „ •• 24 „ C . 2 5 . .. 26 „ 606 5 12 1 5 4 8 4 18 1 4 I2 3 4 7 1 425 3 18 2 3 14 4 3 I0 IJ 3 7 8 3 4 1O 322 2 19 9 2 17 6 610 5 12 7 5 5 2 4 18 7 4 12 9 4 7 7 4 211 3 18 8 3 14 IO 3 11 4 3 8 2 ,3 5 4 3 2 8 3 ° 3 2 18 o 6 1 7 5 13 1 5 5 » 4 19 1 4 X 3 3 4 8 1 4 3 5 3 19 2 3 15 4 3 H 10 388 3 5 10 3 3 2 308 2 18 6 620 5 13 7 5 6 2 4 19 7 4 13 9 486 4 3 10 3 19 7 3 15 9 3 12 4 6 2 5 5 13 11 5 6 6 4 19 II 4 J 4 I 4 8 10 442 400 3 16 2 3 12 8 3 9 0 3 6 7 3 4° 3 1 6] 2 19 4 6 2 8 ; 6 2 9 5 14 2j 5 H 4 5 6 9j 5 6 11 5 o 2j 5 ° 4 4 14 4; 4 14 6 491494 445448 "4 ° 3 4 ° 5! 3 16 5 3'6 7 3 12 ill 3 13 2 6 2 II 5 14 "5 5 7o; 5 o 6! 4 14 8' 4 y 6 4 4 10 14 ° 7 3 16 10 3 13 4 7 17 2 740 6 12 8 J 6 3 o i 5 14 7 i 5 7 2 !5O 7 4 14 10 4 9 8 4 5° 409 3 17 o 3 13 6 7 17 4 7 4 1 6 12 10 632 5 14 9 5 7 4 5 o 10 4 15 o 4 9 io 4 5 2 4 1 o 3 17 2 3 '3 9 3108 3 7 IO 3 5 2 3 2 10 3 0 S n 27 ,, 28 „ 29 „ 3 9 2 3 6 3 3 3 7 3 1 2 2 18 11 3 9 9, 3 10 °! 3 6 ii! 3 7 1 3 4 3J 3 4 °j ■I 3 1 io| 3 2 1 I 2 19 7! 2 19 10! 3 10 2 3 7 4 3 4 8 3 2 4 3 ° 1 3 10 5 3 7 7 3 4 11 3 2 6 3 0 4 30 » 31 32 . .. 33 » 34 » 2 15 5 2136 211 9 2 10 1 2 8 7 2 15 11 2140 2 12 3 2 10 7 291 2 16 5 2 14 6 2 12 9 2 II I 297 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 [7 7 2 17 IO 2 15 8 2 15 II 2 13 II 2 14 2 2 12 4 2 12 7 2 10 IO 2 II I I 2 18 [ 2 16 2 2146 2 12 10 2*11 5 218 4 2 16 6 2 14 9 2132 2 II 9 2 18 8 2 16 9 2 15 1 2136 2 12 1 35 » •■ 36 ., 37 » ■• 38 . .. 39 » 40 » 272 2 5 10 247 236 2 2 5 2 1 5 2. 7 8 264 2 5 1 240 2 2 11 2 8 2 2 6 IO 2 5 8 246 2 3 6 226 288 291 279 267' 2 5 6 246 2 3 6 295299 2 8 2 2 8 6 270274 2 5 10 2 6 3 2 4 10 2 5 3 2 3 11 2 4 4 2 10 l^ 2 8 10 2 7 8 2 C 7 257 248 : 2 10 5 292 280 2 6 11 260 2 10 9 296 285 2 7 4 2 6 5 2 5 7 274 2 6 2 250 240 2 3 1 2 2 0 2 5 1 I

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15

THE PUBLISHED TABLES OF PREMIUMS Which were in Use on the 31st December, 1911.

Age nearest BirtMav. H e Age 26. Age 27. Age 28. Age 29. Age Age Age SO. 31. 32. £ s. d. £ s. d. / s. d. 2 5 526 82 S o 39 19 040 13 0J41 8 o Age 33. Age 34. Age 35. Age :i6. Age 37. I / s. d. 1 19 11 £ <»■ d. 2 on 1 B. C 2 O I d- * ri - £ s d - 220 £ s c 2 2 d. o £ ■■ d. 2 3 1 £ "■ d. 2 4 3 £ b. d. .294 £ *■ d. 2 TO IO] £ s. d. £ s. d. I 2 12 4I 2 14 o 2 15 8 A A Bs 36 10 o 37 3 ° 7 3 03: 37 16 oi 57 16 oi; 38 10 o 39 4 o 42 4 o 42 19 o 1 43 16 0I44 12 Oj J45 9 o Bs B 10 B15 B 20 B25 B 30 B35 I 4 17 o 3 11 3 2189 211 7 2 7 1 242 4 18 7 3 12 5 2 19 91 2 12 6| 280 4 18 3 12 2 19 2 12 2 8 2 5 7 ; 5 ■ 9i : o : o : 5 o 3I 3 13 9 3 010 2136 2 8 in 260 5 o 3 13 3 o 1 2 13 2 8 1 2 6 3j 9 10 6 II o 5 1 IJ ; 3 15 ° 3 1 11 2146 2 9 10 2 611 5 3 8 3 16 4 3 3 r 2 15 7 2 10 11 2 7 11 5 5 4 5 7 2 5 9 1 3 17 7 3 '9 04 o 5 342354368 2 16 72 17 8; 2 18 10 2 II IO 2 12 II 2 14 I 2 8 II 2 IO 0 2 II l! I 5 10 11 4 1 10 3 7 'o 300 1 2 15 2 ! 2 12 3 5 13 oi 4 3 5 3 9 3 3 1 4 2 16 6 2 13 7 : 5 15 o| 5 17 2 450468 3 Io 7| 3 I2 2 3 2 7 3 4 0 2 17 9! 2 19 2 : 2 14 IO| 2 16 3 I 5 19 3 4 8 4 3 13 7 3 5 4, 3°7 2 17 9 B 10 B15 B20 B25 B 30 B35 250 1 ! I I Term of Years. Term of Years. 10 9 r 3 39 13 61 9 13 9 8 14 58 14 8 8 15 o 7 18 IO| 7 19 ij 7 19 4 7 5 8: 7 5 11 7 6 3 6 14 6 6 14 9 6 15 1 9 14 °! 8 15 3 1 7 19 81 7 6 6 6 15 5 914 4 ! 8 15 7 I 8 o o 7 6 11 6 15 9 9 14 8| 9 15 o 8 15 11 8 16 3 8 o 4; 8 o 9 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 ifi 11 9 12 o 9 12 3 8 13 i| 8 13 4| 7 17 6 7 17 9 744746] 6 13 1 6 13 4 9 12 6 8 13 7 7 i8 o 7 4 io 6 13 7 9 12 9 8 13 11 7 18 3 7 5 1 6 13 11 9 13 o 8 14 2 7 18 6 7 5 5 6 14 2 10 11 12 13 14 11 12 13 14 15 16 17 18 19 20 21 22 635638! 5 14 » 5 15 3! 5 7 7 5 7 IO | 5 1 I 1 5 1 4 4 15 3 4 15 6 4 10 1 4 10 5 4 5 5459 4 1 3i 4 1 71 3 17 6 3 17 10! 3 14 1 3 14 5 6 3 11 5 15 6 5 8 2 5 1 8 4 r 5 IO 4 10 8 461 4 in 3 18 2 3 M 9 6 4 3 5 15 10 5 8 5 5 1 11 4 16 2 4 11 0 465 4 2 3 3 18 6 3 15 2 646 516 1 5 8 9 523 4 16 6 4 11 5 469 4 2 8 3 18 11 3 15 7 6 4 101 6 5 ij 6 5 5 5 16 5 5 16 9! 5 17 1 59 ii 595599 52 71 52 11 533 4 16 ioj 4 17 2 4 17 7 4 11 g| 4 12 il 4 12 6 472476! 47 11 4 3 o| 4 3 5 4 3 10 3 J 9 4 3 19 9| 4 ° 2 3 16 01 3 16 5] 3 16 10 3 12 111 3 13 4J 3 13 10 3 10 2 3 10 7 3 11 2 378382388 3 5 4 1 3 5 IO 3 6 5 3 3 3 3 3 9 3 4 4 6 5 9 5 17 5 5 10 1 5 3 8 418 o| 4 12 11 4 8 5 4 4 4 408 3 17 4 661 5 17 10 ] 5 10 f> !54i I 4 18 5 4'3 5 4 8 10 4 4 10 4 I 2 ! 3 17 "I 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 4 13 " 4 14 5 4 9 5| 4 9 11 4 5 4! 4 5 " i 4 1 9! 4 2 4 3 18 6 3 19 2 6 7 5 5 19 2 5 TI Ir 5 5 7 500 4 15 o 4 10 7 4 6 7 4 3° 3 19 10 15 16 17 18 19 20 21 22 23 24 23 24 25 26 27 28 3 10 11 3 11 4 3 8 13 8 6 ] 35635." 3 3 2 3 3 61 3 1 o 3 1 5! 3 11 8 3 8 10 3 6 4 3 3 " 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 3 2 9 3 14 4 3 11 8 3 9 3 3 7° 3 5 o 3 14 11 3 12 3 3 9 10 3 7 8 3 5 8 3 15 7i 3 16 3 31211313 8 3 10 6j 3 11 3 384392 3 6.5372 3 17 ° 3 14 5 312 1 3 9 11 3 8 1 25 26 27 28 29 29 3° 31 32 33 34 2 19 oj 2 19 5 2 17 2 2 17 71 2 15 6 2 15 11 2 13 11 2 14 5 2 12 6; 2 13 01 2 19 IO 2 18 I 2 l6 5 2 14 II 2 13 6 3°4 2 18 6 2 16 ill 2 15 5! 2140 3 o 10 2 19 1 2 17 5 2 16 o 2 14 7 3 1 41 3 1 11 3 2 6 2 19 73 o 23 o 10 2 18 o 2 18 72 19 3 2 16 7 2 17 2 2 17 10 2 15 32 15 11 2 16 7 3 3 2 3 1 6 300 2 18 7 2 17 4 3 3 10 323; 3O9 2 19 5 2 18 2 I 3 4 7| 3 5 6 3 3 °: 3 3 11 3 1 7 3 2 6 3O33I3 ,2 19 13 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 11 2 2 ii 8 2 10 o 2 10 6 2 8 11 2 9 5 2 7 10; 2 8 5 2 6 ii 1 2 7 6| 2 6 1! 2 6 8 2 12 3 2 11 I 2 IO O 2 9 cx 2 8 I 212 9 2 11 8 210 7 2 9 8 289 280 2 13 5 2 12 3 2 II 3 2 10 4 296 2 8 8 2 14 o| 2 14 8 2 15 5 2 12 II 2 13 8; 2 14 5 2 II III 2 12 8 2 13 5 2 II O 2 II 9! 2 12 7 2 IO 2 2 II 0 2 II IO 2 9 6 2 10 32II 2 2 16 3 2 15 3 2 14 4 2 13 6 2 12 9 2 12 I 2 17 1 2l6 I 2 15 3 2I46 2 13 9 2132 2 18 12 19 I 2 17 I 2 l8 2 2 l6 3! 2 17 4 2 15 6 2 16 8 2 I4 IO 2 l6 0 2 14 3 2 15 6 302 2 19 3 2 18 6 2 17 10 2 17 3 2 16 9 35 36 37 38 39 40 274

H.—Bb.

FIFTH SCHEDULE. Appendix No. 1— continued.

16

Class of Assurance, with Participation in Profits. Age 38. Age 39. Age 40. Age 41. Ag( Age nearest Birthday. ;e neare Age 42. est Hirthdi Age 43. lay. Age 44. Age 45. Age 46. Age 47. I «) Q, 3 D yi O 2 rt PS*' a £ s. d Annual premium during 2 17 e whole" term Single payments .. 46 6 c £ s. d. \£ s. d.l/ s. d. £ s. d. i 2 19 3 3 1 3 3 3 4 3 5 7 £ s. d.| £ s. d.| £ s. d.j £ s. d.| 3 7 11 3 10 6 3 13 23 16 o [ 3 19 I A Bs 147 4 o 48 2 0I49 1 O|5o 0 oi 51 0 052 o 053 1 0154 2 o] 155 4 o B 10 B15 B20 B2 5 B 30 B35 Annual premiums,— Limited to 10 years .. : 6 1 t „ 15 I, • • ! 4 10 j 20 „ .. : 3 15 i 25 „ 3 6 ic 30 „ ..32c 35 » ■■ 2 19 : i 6 3 8 6 6 16 8 6 6 11 1 4 II J o 4 13 9j 4 J 5 8417 9 3 16 8 3 18 5, 4 o 2i 4 2 o 13 8 4 3 10 o 3 11 9 3 »3 7 1 3 3 7, 3 5 3 3 7 ° 3 8 11 i 3 o 10! 3 2 7 6 13 8 J 6 16 6| 6 .19 4I 7 2 4 4 19 ioi 5 2 25 4 65 6 11 440462484: 4 10 8 3 15 6 3 17 8 3 19 10; 4 2 2 3 10 io, 3 13 ij 3 15 4 7 5 6 5 9 7 4 13 2 4 4 9 I ■d 0 E 1OJ <D .0 o Id a aj a> ■£ * o P 11 u q B 0 t/: < 4) o a W j ; c Annual Premiums, — Payable for 10 years ..1915 8 „ 11 „ .. 8 16 11 12 „ .. 8 1 6 13 „ ...J7 8 5 14 „ .. 6 17 5 15 „ .. 6 7 10 16 „ .. I 5 19 8 17 » •• 5 12 5 18 „ .. 5 6 2 19 „ .. 5 o 6 20 „ .. 4 15 7 „ 21 „ ..14112 22 „ .. ; 4 7 3 23 „ . . 4 3 9 24 „ .. 4 o 7 25 „ .. 3 17 91 „ 26 „ . . 3 15 2< „ . 27 „ . . 3 12 11 28 „ .. 3 10 ioj 29 „ .. 3 9 o 30 „ • ■ 3 7 4 3 1 • •• 3 5 IO 32 » • • 3 4 fi 33 . •■ 3 3 4 34 " ■ ■ 3 2 3 35 » •• 3 1 4 36 „ .. 306 37 » ■ ■ 2 19 9 38 „ .. 2 19 2 „ ■ 39 „ .. 2 18 7, 9 l6 Oj 8 17 4 8 1 11 7 8 11 6 17 10 6 8 5 602 5 13 o 5 6 9 5 1 2 4 16 3| 4 11 11 480 446 ; 4 1 5; 'J 9 16 5; 9 l6 II 8 17 9 8 18 3 8 2 48 2 11 7 9 5 7 10 o l6l8 5! 6 19 O: 6 8 11 6 9 7 "6 o 91 6 I 5 • 5 13 8 5 14 4 5 7 5i 5 8 1 5 1 ioj 5 2 8 ,j 4 17 O 4 I7 10; 4 12 84 13 4 489498 4 5 4 4 6 3 423433 I 9 17 6 9 18 19 18 10 : 8 18 11 8 19 79 o 4 836843850 1 7 10 8 7 11 57 12 3| i| 6 19 87 o 67 1 4 6 10 4! 6 11 2: 6 12 o 62 2 63164 o 1 5 15 2 5 I6 O, 5 17 O 5 8 11 5 9 ni 5 to 11 536546557 i| 4 18 g, 4 19 9; 5 on 4 14 6 4 15 7 4 16 9 4 10 8 4 11 10 4 13 ii 4 7 4 ! 4 8 64 9 10 44445 f 47°| ) 9 19 8 10 o 610 1 5 .912921930 ) 8 5 11 8 6 10 8 7 10 ; 7 13 27 14 II 7 15 2 ■' 7 2 4 7 3 4j 7 4' 5 1613 1614 1 6 15 3 165 1662675 i| 5 18 2 5 19 4! 6 o 7 5 12 15 13 4 5 M 8 5 f> 10 5 8 1 s 9 6 522536550 4 18 1 4 19 65 1 o I 4 14 6 4 15 11 4 17 7 'I 4 11 3 4 12 10 4 14 6 > 4 8 6! 4 10 1 4 Ti 10 i 3 l8 7! ! 3 16 1 3 X 3 101 3 I: Io | 3 Io ° j 3 19 6; 4 O 7 j 3 17 I' 3 18 2 ' 3 14 10 3 16 o I 3 12 11 3 14 1 3 11 1 3 12 4 4 I 8 4 3 oj 4 4 5 3 19 4! 4 o 84 2 2 317 3-318 84 o 2 3 15 43 16 10 3 i8 5] 3 13 8 3 15 2 3 16 io[ 146 O! 47849 6i 439456475! 4 I 10 4 3 8 4 5 7I '402420! 440 J 3 18 84 o 7| 4 2 8 3 8 5! 3 6 11: 3 5 8 - 3 4 6 3 3 6 3 9 7 3 Io IO 382396 3 6 IIj 3 8 3 3 5 10 3 7 3 3 4 i°' 3 6 4 3 12 31 3 13 9 3 15 6 3 10 ii ; 3 12 6 3 14 4; 3 9 9\ 3 rl 5 3 13 3 3 8 9 3 10 6j 3 12 5 3 7 ill 3 9 81311 8 1 3 7 2! 3 9 o 3 11 o3 6 6 3 8 5 ! 360 ! 1 j 3 17 4 j 3 19 44 1 7 3 16 3: 3 18 14 o 7 3 15 3 3 17 5 3 '9 9 j 3 14 5 3 ' fi 8 ' 3 13 9 ] Age Age 28- ; . 29. 2 3 3; Age : 2 4 5i 2 3 5 I ! 30. I 2 5 8: 2 4 8; 2 3 8 2 5 10 2 4 11 2 3 11 26 i ! 252243 2 6 5; 2 5 6| 2 4 8; 2 6 10! 2 5 11 2 5 1 327 3 1 10 3 1 2 307: 301 3 4 O 356 3 3 3 3 4 10 327343 321339 I 3 ' 7 40 „ .. 2 18 2 1 2 19 7 Age j i Age 31. Age 32. 2 6 11 33. 283272 29 7: 28 6j 275 2 9 11 2 8 9; 2 7 9, Age Age 37. 38. 2 15 II 2 17 9 2 l6 4 34. Age j 2 » I Age 3S - Age 36- 2 I2 7 2 II 4 37. 2 14 3j 2 12 II 2 II 9 2 15 II 2 14 7! 2 13 4 2 12 2 2 l6 4j 2 15 O 2 13 9 2 12 7 i I J 2 10 32 9 2: 2 8 2I 2 10 7 | 2 9 7, 2 8 71 2 11 o 2 10 02 9 1 2 11 62 10 72 9 8 27 3; 26 4I 256 2 7 8 2 6 10 2 6 1 28 3, 275267 2 8 io| 280273

17

H.—Bb

3—H. Bb.

THE PUBLISHED TABLES OF PREMIUMS Which were in Use on the 31st December, 1911.

■ge leares (in lay. 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 00. A £ s. d. £ s. d. £ s. d. 42 3; 45 7, 492 56 5 057 7 o'58 10 0 £ s. d. 4 13 ° / s. d. 4 17 2 5 1 7 £ »■ d. 5 f> 4 £ b. d. 5 11 5 I £ s. d. £ s. d. 5 16 11 6 2 10 65 14 066 19 o £ s. d. 692 / s. d. £ s. d. 6 16 17 3 7 69 10 070 16 o A B s 59 13 ° 60 16 o 62 o o 63 4 o 64 9 o 68 4 o B a B 10 B15 B 20 B25 B 30 B35 7 8 8 7 11 10 7 15 2 5 12 3 | 5 15 o 5 17 10 4 15 9 4 I 8 4 ! 5 1 2 4 7 4: 4 10 1 4 13 0 7 18 8 6 o 11 5 4 3 8 2 5 643! 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 ol 9 3 8 6 19 6 7 3 11 9 8 7 7 8 6 9 13 i°j 9 19 4 713 6 7 18 11 B 10 B15 B20 B25 B 30 B35 I Cerm of Years. Term 0: Years. 10 11 12 10 2 4 940! 8 8 11 7 16 3 7 5 7 10 3 4 9 5 1 8 10 o 7 17 6 ! 7 611 i° 4 5 963 8 u 3 7 i8 9 7 8 3 10 5 8 976 8 12 8 803 7 9 10 10 7 o 9 9 0 8 14 3 8 1 11 10 8 7 9 10 8 8 16 o 8 3 9 7 13 6 IO IO 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 9I 9 2 5 8 10 6 808 10 16 8 9 19 3 9 5O 8 13 3 836; 10 19 3 IO I II 9 7 10; 8 16 3' [ 8 6 7; II 2 I IO 4 II 9 10 11 8 19 5 8 10 o II 5 2 10 8 1 9 14 4 9 3 0 8 13 9 IO 11 12 13 14 7 " 7 13 14 15 16 I? 18 19 6 16 6 6 8 8 620 5 16 1 511 o 6 17 10 6 10 1 636 5 17 8 5 12 8 6 19 4 6 11 8 6 5 1 5 19 5 5 14 6 7 1 o 6 13 5 6 6 11 6 1 4 5 16 6 7 2 TO 6 15 4 6 8 11 6 3 5 5 18 8 7 4 10 6 17 6 6 11 2 659 6 1 2 772! 6 19 10 6 13 8 684 6 3 10 ! 7 9 7 ; 7 2 5 6 16 4 611 2 669 7 12 4 7 5 3' 6 19 4 6 14 3 6 10 o 7 15 3 1 1784 727 6 17 8 6 13 7| > 7 18 6 7 11 9 7 6 -1' 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 5 710 1 7 6 6 15 16 17 18 19 20 21 22 23 24 5 6 7 5 2 8 4 19 4 4 16 4 4 13 8 5 8 4 546 5 12 : 4 18 3! ! 4 15 9 5 10 3 566 5 3 3 505 4 17 Ir 5 12 3 588 5 5 6 5 2 9 5 0 5 5 14 7 5 11 o 5 8 o 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 n 5 13 o 665 6 3 4 6 o IO! 5 18 81 6 10 I 6 7 3 ; 6 4 IO; 6 14 2. 6 11 5 6 18 8 20 25 26 27 28 29 4 11 5 4 9 5 4 7 9 4 6 3 4 5 0 4 J 3 6 4 11 8 4 10 o 4 8 7 4 7 5 4 *5 10 4 *4 1 4 12 6 411 2 4 10 1 4 18 5 4 16 8 4 15 3 4 14 I 5 1 3 4 19 8 4 18 3 5 4 4 5 210 5 7 9J " Age 18, I 14 I I 14 2 Age 17. 1 13 2 1 13 3 1 13 5 Age 16. 1 12 3 112 4 1 12 6 Age 15. 1 11 4 1 11 5 1 11 7 1 11 8 64 63 62 61 60 ! J Age 20. 1 15 9 1 15 10 1 16 o 1 16 2 1 16 4 Age 19. 1 14 11 30 31 4 3 11 4 3° 465 Age 24. I 19 1 Age 2a. I 18 2 I 18 4 Age 22. I 17 4 I 17 6 1 17 8 Age 21. 1 16 6 1 16 8 ! 1 16 10 1 17 o 1 15 o 1 15 2 1 15 4 1 15 6 1 15 9 i 14 4J 1 14 5 1 14 8 1 14 10 1 15 i| 1 13 6 1 13 8 1 13 "I 1 14 1 1 14 4 1 12 7 1 12 9 1 12 11 1 13 2 1 13 4 1 13 7 1 11 10 1 12 o 1 12 2 1 12 5 1 12 8 59 58 57 56 55 A R e 26. 210 2 1 3 2 1 5 2 1 8 Age 25. 200 1 12 11 52 51 5O Age 27. 2 2 1 224 2 2(5 202 205 207 2 o 10 i 19 3 1 19 5 1 19 7 1 19 10 202 I 18 6 1 18 8 1 18 11 1 19 2 1 19 6 1 17 10 1 18 1 1 18 4 1 18 7 1 18 11 1 17 2 1 17 5 1 17 9! 1 18 o 1 18 4 1 16 7 1 16 10 1 17 2 1 17 5 1 17 10 1 16 o 1 16 3 1 16 7 1 16 11 1 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 13 11 1 14 3 1 14 7 1 14 11 1 15 4 1 13 3 1 13 6 1 X 3 II 1 14 3 1 14 9 54 53 52 5i 5° 49 48 47 46 45 2 2 IO 2 3 I 2 3 5 2 3 IO 2 4 3J 2 1 11 212 2 1 6 206 1 19 10 203 208 211 2 i 8 1 19 3 1 19 8 201 207 212 1 18 9 1 19 2 1 19 7 201 208 1 18 2 1 18 8 1 17 8 1 18 1 1 18 7 1 19 2 1 19 9 1 17 1 1 17 7 1 18 1 1 18 7 1 19 2 1 16 5 1 16 11 1 17 5 1 18 o 1 18 8 1 15 10 1 16 4 1 16 10 1 17 5 1 18 o 1 15 2 1 15 8 1 16 3 1 16 10 49 48 47 4 r» 45 223 228 2 3 I 236 2 I II 224 2 2 10 2 o 10 2 I 3 2 I 8 2 2 2 1 19 1 1 19 8 .203 1 17 5 44 43 42 4 1 249 2 5 3 2 5 II 267 24O 2 4 7 2 5 3 2 5 11 2 3 4 2 3 II 247 2 5 4 2 2 9 2 3 4 24O 249 222 2 2 10 2 3 6 2 4 3 219 224 2 3 1 2 3 IO 2 1 3 2 1 11 228 2 3 5 2 o 10 2 1 6 204 211 1 19 10 207 2 I 4 2 2 2 1 19 3 200 1 18 8 1 19 5 203 211 1 18 1 1 18 10 1 19 8 206 44 43 42 4 1 223 2 3 1 2 I IO 2 2 8 209 2 I 7

H.—Bb

18

FIFTH SCHEDULE. Appendix No. 1— continued.

JOINT LIVES.

Annual Premiums required to secure £100, payable on the failure of either Life. (With Profits.)

IMMEDIATE ANNUITIES.

Showing the Sum to be paid for an Immediate Annuity of £10, payable by Half-yearly Instalments.

Temporary ASSURANCES.

Premium to be paid for assuring £100 on a Single Life. (Without Profits.)

Double-Endowment ASSURANCES. (With Profits.)

For the Assurance of £100 in the event of Death during the Term, and an Endowment of £200 in the event of the Life assured surviving the Term.

00 d DlITFHBENi 3e between age of elder and Youngeb Life. I 4 Years. 6 Years. 8 Years. 2 Years. 10 Years. : 1 \£ s. <*• 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 I 3 2 4 27 i 3 3 11 28 I 3 5 6 29 ' 3 7 2 30 J 3 8 11 31 : 3 10 8 32 ; 3 12 7 33 3 14 6 34 i 3 16 7 35 ! 3 18 10 36 i 4 1 2 37 ! 4 3 7 38 i 4 6 1 39 i 4 8 9 40 4 11 7 41 j 4 14 7 42 4 17 10 43 j 5 1 4 44 : 5 5 1 45 J 5 9 0 46 ' 5 13 3 47 5 17 8 48 l 6 2 3 49 J 6 7 2 50 ! 6 12 5 £ '■ *■ 2 16 1 2 17 2 2 18 4 2 19 7 3 o 11 325 3 3 11 3 5 7 3 7 3 3 9° 3 i° 9 3 12 8 3 14 8 3 16 9 3 18 11 4 1 3 4 3 8 462 4 8 11 4 11 8 4 14 9 4 18 o 5 1 6 5 5 3 5 9 2 5 13 5 5 17 10 626 6 7 5 6 12 8 6 18 3 \£ s. d. £ s. d. £ s. d. 2 17 4 2 18 10 307 2 18 7 302 320 2 19 10 I 3 1 6 3 3 5 312 3 2 11 3 4 11 327 34 5 366 342 360 382 359 379 3 io° 3 7 5 3 9 6 3 11 10 3 9 2 3 11 4 3 13 10 3 11 o 3 13 4 3 15 11 ; 3 12 11 J 3 15 4 3 18 1 3 14 IT ! 3 17 5 4 0 4 3 17 °J3ig 8-4 2 9 3192420453 416 446 47 11 '440 471 4 10 10 4 6 6 1 4 911 413 11 4 9 3 1 4 12 11 4 17 2 i 4 12 2 4160 506 4 15 3 4 19 4 5 4 1 4 18 6 5 2 11 5 7 10 520 568 51110 559 5 10 7 5 16 2 599 5 14 10 609 5 13 11 5 19 4 658 5 18 5 642 6 10 11 631 693 6 16 6 681 6 14 9 726 6 13 5706 789 6 19 2 768 7 15 6 752 7 13 3 828 < 5. rf. 2 17 4 2 18 7 2 ig IO 3 I 2 3 2 7 3 4 2 3 5 9 3 7 5 3 9 2 3 11 o 3 12 11 3 14 n 3 17 ° 3 19 2 416 440 466 4 9 3 4 12 2 4 15 3 4 18 6 520 5 5 9 5 9 9 5 13 11 5 18 5 6 3 1 6 8 1 6 13 5 6 19 2 7 5 2 £ >■ d. 3 2 6 3 4 0 3 5 C' 3 7 1 3 8 9 3 10 7 3 12 6 3 14 7 3 16 8 3 18 10 4 1 2 4 3 8 463 490 4 12 o 4 15 2 4 18 6 5 1 II 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

MALE. FEMALE. MALE. FEMALE. 8O 79 78 77 76 75 74 73 72 71 7O 69 68 67 66 65 64 63 62 61 £ s. a. 51 10 10 53 19 2 56 9 2 59 o o 61 12 6 64 7 6 67 5 o 7° 3 4 73 5 o 76 8 4 79 12 6 82 17 6 86 2 6 89 7 6 92 12 6 96 o o 99 9 2 102 18 4 106 7 6 109 16 8 £ 5. d. 55 10 o 58 5 o 61 1 8 64 o o 67 o 10 70 2 6 73 5 10 76 10 10 79 17 6 83 5 10 86 16 8 90 11 8 94 9 2 98 8 4 102 o 4 106 7 6 no 6 8 6O 59 58 57 56 55 54 53 52 51 5O 49 48 47 46 45 44 43 42 41 40 £ 5. d. 113 7 6 117 o o 120 12 6 124 2 6 127 10 10 130 16 8 134 o 10 J 37 4 2 140 5 o J 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 !33 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 0 10 177 o 10 179 19 2 182 16 8 185 11 8 188 5 10 190 18 4 114 4 2 118 o o 121 15 10

•rf , TO 4^ Annual Premium for 1 Year. Annual Premium for 3 Years. Annual Premium for 5 Years. Under; £ »• *■ 100 1 o 8 1 o 10 1 1 3 1 1 10 £ t. d. 106 £ s. d. I I 0 25 25 26 27 28 29 3O 31 32 33 34 35 36 37 38 39 4O 41 42 I 43 44 45 46 47 48 49 i 50 51 52 53 54 1 2 5 1 3 o 1 3 5 1 3 10 1 4 2 1 4 8 j 15 3 160 168 175 1 8 o 1 8 6 1 8 11 1 9 5 1 10 3 1 11 2 1 12 6 I O II I I 4 1 1 10 I 2 5 I 2 II i 3 5 1 3 10 1 4 3 1 4 8 1 5 3 160 1 6 8 1 7 4 i 8 o 1 8 6 1 8 11 196 1 10 3 1 11 3 112 7 1 14 1 1 15 8 1 17 3 1 18 10 I I 4 I I IO I 2 4 I 2 IO 1 3 4 i 310 1 4 3 1 4 g 1 5 4 1 5 11 167 1 7 3 1 7 10 1 8 5 190 1 9 7 1 10 4 1 11 5 1 12 8 1 14 o 1 15 7 1 17 2 1 18 9 204 222 1 14 1 1 15 9 1 17 3 1 19 o 206 221 262 2 8 7 205 221 2 3 II 2 6 I 2 8 7 2 11 3 240 262 287 2 11 3 2 14 2

Term. io years 15 » 20 25 . 30 » 35 . Annual Premium. £ >■ d. 17 12 o j II O O ! 7 14 o 5 16 o J 4 12 o j 3 15 ° I

19

H.—Bb

THE PUBLISHED TABLES OF PREMIUMS Which were in Use on the 31st December, 1911.

i TABLE VI. ENDOWMENTS FOR CHILDREN AND OTHERS. Rates of Premium to secure in the event of Survival to End of Term. Premiums returned in the event of Death. (With Profits.)

TABLE VI.P. EN DOWMENTS 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.)

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

Term of Single. Annual. Years. \ £ s. d. I £ s. d. 1O 74 10 o 8 13 i 11 72 5 o 7 15 1 12 ' 70 1 o 7 o i 13 67 19 o I 6 7 5 14 65 18 o ' 5 16 7 15 J 63 19 o 5 7 3 16 | 62 ° ° 4 J 9 * 17 60 4 o 4 11 11 18 'J 58 8 o : 4 5 7 19 ! 56 14 o 3 19 11 2O , 55 1 ° 3 14 10 2 1 53 9 ° 3 10 3 22 ; 5i 17 ° , 3 6 1 23 50 8 o 324 24 48 18 0 2 18 10 25 47 9 ° 2 15 8

Age of Purchaser at nearest Birthday. Term of I Under 30.1 3O-39. 4O-44. 45-49. £ s. d. £ s. d. 10 I 9 6 1 9 io 5 11 : 8 6 g j 8 io 7 £ s. d.\ £ 3. d. 9 19 1 : 10 7 8 8 18 4 9 6 1 12 7 1° 7 7 M J 8 1 1 j 8 8 • 1 i 13 | 6 17 o , 7 o 2 7 6 6 71211 14 j 6 5 4 ' 6 8 3 6 14 1 6 19 11 15 5 15 4 I 5 18 o 634689 16 i 5 6 6 ! 5 9 o 5 13 11 5 18 11 17 i 4 18 10 511 5 5 8 5 10 4 18 j 4 12 o j 4 14 2 4 18 5 I 5 2 8 19 4 5 11 4 7 11 4 11 11 41511 2O 4 ° 5 j 4 2 4 2 1 3 15 6 3 17 3 22 3 11 ° ! 3 I2 8 4 6 1 I 4 9 10 I 4 o 10 4 4 4 3'i6 o 3 19 4 23 ! 3 7 o i 3 8 7 3 11 8 j 3 14 10 24 J 3 3 3 j 3 4 9 3 7 8 3 10 7 25 ; 2 19 10 [ 3 1 3 340 3 6 10

H.—Bb.

FIFTH SCHEDULE. Appendix No. 1- continued.

20

WHi )LE-LIFE AS: iURANCE, ENDOWMENT ASSURANCES, ENDOWMENT ASSURANCES, r ITHOUT WITHOUT PROFITS. WITH EXTRA PROFITS. PF Premit secure at . tOFITS. tm required to £100, payable Death only. Premiums required to secure £100, payable at End of Term, or at previous Death. Premiums required to secure £100, payable at End of Term, or at previous Death. Age. Annual Premium. Age. Term, 25 Years. Term, 30 Years. Age. Term, 25 Years. Terra. 30 Years. 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 £ b. d. i 4 4 1 5 2 1 6 1 1 6 11 1 7 8 1 8 5 1 9 2 1 9 11 1 10 8 1 11 6 1 12 4 1 13 3 1 14 3 1 15 4 1 16 4 1 17 6 1 18 7 1 19 10 211 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 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 £ s. d. 3°5 3 0 11 3 a 5 3 i 10 322 325 3 2 8 3 2 10 3 3° 3 3 3 3 3 7 3 3 11 3 4 3 3 4 7 3 5 0 3 5 5 3 5 10 364 3 6 10 £ s. d. 3°5 3 on 3 a 5 3 i 10 322 325 3 2 8 3 2 10 3 3O 3 3 3 3 3 7 3 3 11 3 4 3 3 4 7 3 5O 3 5 5 3 5 10 364 3 6 10 3 7 4 3 7 11 3 8 7 3 9 3 3 10 o 3 ro 10 3 11 9 3 12 8 3 13 10 3 15 o 3 16 5 3 17 'to 3 19 6 4 1 2 4 3 1 4 5 1 4 7 4 4 9 9 4 12 5 4 15 5 4 18 8 £ s - d. 289 292 298 2 10 1 2 10 6 2 10 9 2 11 o 2 11 3 2 11 6 2 11 10 2 12 2 2 12 6 2 12 11 2 13 5 2 13 11 2 14 5 2 14 11 2 15 6 2 16 1 2 16 9 2 17 6 2 18 4 2 19 2 3 ° 1 3 1 I 323 3 3 5 3 4 9 3 6 3 3 7 10 3 9 8 3 11 7 3 13 8 3 15 11 3 18 4 £ s. d. 15 404 16 4 o 10 17 4 1 4 18 4 1 10 19 422 20 425 21 i 428 22 4 2 10 23 431 24 4 3 4 25 I 4 3 8 26 441 27 4 4 5 28 4 4 10 29 4 5 3 30 458 31 462 32 468 33 472 34 4 7 9 35 .485 36 492 37 4 9 11 38 4 10 8 39 4 11 6 40 4 12 6 41 4 13 7 42 4 14 9 43 4 16 1 44 4 17 7 45 4 19 2 46 5 o 11 47 5 2 io 48 5 4 9 49 5 6 11 50 5 9 4 51 5 12 o 52 5 14 11 53 5 18 1 54 i 617 £ b. d. 370 376 380 386 3 8 11 3 9 3 3 9 6 3 9 9 3 10 o 3 10 4 3 10 8 3 ii 2 3 11 7 3 12 1 3 12 7 3 13 2 3 13 9 3 14 4 3 15 o 3 15 9 3 16 6 3 17 6 3 18 5 3 19 5 406 4 r 9 4 3 1 4 4 7 461 4 7 Ir 4 9 10 411 11 4 M 3 4 16 8 4 19 4 225 2 3 9 2 5 3 269 284 2 10 1 2 II IO 2138 2 15 8 2 17 10 3 ° 1 3 2 C 3 5 1 3 7 8 3 10 6 3 13 5 3 16 7 3 19 11 4 3 5 4 7 3 4 11 3 4 15 6 5 o 1 5 4 11 5 10 1 5 15 8 6 1 6 679 6 14 5 7 1 5 7 8 11 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 3 7 4 3 7 11 3 8 7 3 9 3 3 10 o 3 10 10 3 11 9 3 12 8 3 13 10 3 15 o 3 16 5 3 17 'to 3 19 6 4 1 2 4 3 1 4 5 1 4 7 4 4 9 9 4 12 5 4 15 5 4 18 8 Note.—In addition 1 in ordinary profits, a spi ary Bonus of 20s. per c on the sum assured will :o participation scial Reversionent. per annum be allotted.

H.—Bb

21

THE PUBLISHED TABLES OF PREMIUMS Which were in Use on the 31st December, 1911.

DEFERRED ENDOWMENT ASSURANCE DEFERRED ASSURANCES (For Children), WITH EXTRA (For Children), WITHOUT PROFITS. PROFITS. After Age 21 the Policy, in addition to participation of the ordinary profits, will receive an extra Reversionary Bonus of 20s. per cent, per annum on the sum assured. WHOLE-LIFE ASSURANCE. ENDOWMENT ASSURANCE. Premiums to secure £100, payable at Death after the Age of 21. secure £10 Death after 1 Of 21. ~>o, Premium r payable Age 21 :s io secure £ioo, ! a< Death after , or at Age 50. Premiums to secure £100, payable at Death after Age 21, or at Age $0. Premiums payable throughout Life. s payable >ut Life. Premium Deaf) ns payable until h, or Age 50. Premiums payable until Death, or Age 50. Age. Annual Premium. Age. Annual Premium. a p. Annual Age. Premium. 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 £ s - d - O 12 2 O 12 8 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 £ s - d - 0 ig 4 102 1 1 o 1 1 11 1 2 11 £ s - d. 0 164 1 176 2 188 3 1 g 11 4 1 11 3 5 1 12 8 6 1 14 2 7 1 15 9 8 1 17 5 9 1 19 2 10 211 11 231 12 253 13 277 14 2 10 1 O 13 2 o 13 8 ° 14 3 o 14 10 - o 15 5 o 16 i o 16 9 o 17 5 o 18 2 o 19 o 0 19 10 1 o 8 1 1 7 1 3 11 1 5 o i 6 2 1 7 5 1 8 g 1 10 1 1 11 7 1 13 2 1 14 10 1 16 8 Premium: refundei if child die bef< ire age 21.

H.—Bb.

FIFTH SCHEDULE.

Appendix No. 2. ASSURANCES FOR THE WHOLE TERM OF LIFE WITH WHOLE-LIFE PREMIUMS, WITH PROFITS, In force at 31st December, 1911.

22

Age Number of attained. Policies. Am< assured. Additions. Ordinary. Office Annual Pbemioms. Premiums. Net Reduction of Premium. Yearly Permanent Age attained. Extra. [ 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 88 89 90 93 I I 3 10 14 20 24 38 66 78 102 100 144 166 159 220 184 245 204 277 267 271 248 293 268 299 265 356 339 307 327 349 335 322 308 319 261 266 £ 650 300 700 2,100 3,400 5,150 4,400 9,435 15,760 19,225 26,750 26,120 35,465 40,390 42,035 54,140 48,915 68,790 59,420 83,945 75,250 68,650 75,700 83,550 74,600 84,580 79,070 '00,573 87,715 90,000 92,263 96,907 96,647 93,380 90,029 100,847 71,825 74,001 76,329 60,093 65,348 77,740 58,663 61,330 69,160 65,024 35,004 48,306 37,430 32,795 33,209 27,421 28,540 18,605 6,295 !4,337 7,32O 6,260 3,55O 1,600 1,000 2,400 300 100 1,000 67 16 31 7 : 91 7 i 280 1 427 3 650 8 580 o 1,359 7 2,215 7 2,842 6 4,402 4 4,226 3 5,782 o 7,022 9 7,544 T 3 9,850 16 7.858 19 12,560 4 10,769 5 14,712 12 14,616 6 12,380 11 13,978 18 15,483 16 13,678 6 16,760 8 I4>75O 3 18,656 5 16,043 18 17,233 is 17,661 19 20,510 2 19,870 1 19.036 3 19,944 13 21,795 9 15,251 6 I5,93D o 17,469 4 14,080 8 16,209 9 18,501 7 15,359 18 14,963 11 19.037 4 17,730 10 9,142 9 12,591 19 9,411 17 S,925 5 8.859 3 6,772 15 8,501 17 5,120 15 2,125 14 3,798 9 2,320 5 1,760 16 1,167 15 417 16 375 2 748 10 81 1 £ s. d. 10 4 io 4 14 6 11 1 g 33 15 10 55 8 1 85 18 o 74 6 6 159 13 3 274 1 7 334 11 4 467 10 1 466 4 o 639 4 8 739 11 3 780 18 5 1,021 11 8 951 4 7 13 11 1,207 7 9 1,710 7 2 1,568 8 11 1,462 8 2 1,616 2 6 1,851 15 11 1,670 o 4 1,889 Iz 5 1,811 18 1 2,340 2 2 2,064 o 6 2,169 i° 1 2,242 10 5 2,371 9 4 2,376 3 9 2,309 10 3 2,284 19 11 2,534 15 9 1,893 on 2,028 13 4 2,110 12 8 1,625 J 8 11 i,799 19 4 2,260 9 6 1,725 12 2 1,827 ° 6 2,067 J 6 10 1,950 2 7 • 1,065 9 9 i,534 13 2 1,288 18 4 1,132 4 10 1,140 15 7 992 15 1 1,052 11 4 704 3 2 219 8 10 571 9 10 256 7 9 270 19 2 140 4 10 77 7 o 42 2 8 134 10 4 j 19 1 8 4 11 2 45 11 8 ! £ s. d. \ £ £ s. d. 7-319 3-498 8-233 25.236 41-473 64-597 ] 56-106 121000 o io o 209-212 11 10 o 255-117 9 10 o 356-701 7 19 o 358-396 650, 492-630 8 12 8 ! 572-154 12 5 o 606-881 012 522 797-901 o 18 11 9 17 1 749-383 18 12 10 1,074-002 9 12 6 960-160 12 15 o ; 1,361-123 22 7 II 1,255-405 o 12 9 19 1 4 1,176-835 1 16 8 19 13 4 ; 1,306-242 054 19 6 o 1,507-143 o 17 6 31 11 8 ! 1,363-395 40 io 2 i,556-944 2 14 o 19 15 4 ; 1,496-465 4 4 4 54 5 2 i,949'955 048 .46 5 ° j i,723'9°5 °32 27 12 5 1,833-822 800 52 18 3 , 1,897-828 154, 44 3 4 2,016-886 090 40 5 o 2,041-564 53 9 3 : 1,991786 504 38 1 1 1,970-525 460 62 o 1 2,195-676 52 o i 1,646-370 521 44 11 5 1,773H36 1 9 10 68 3 1 1,857-982 o 13 8 42 8 o 1,438-080 1 42 12 10 ! 1,594-192 048 54 11 3 , 2,009-410 15 7 4 I 33 9 7 i,54 I ' I 96 7 9 4 47 15 5 1,636-690 o 2 10 54 1 6 1,855-548 53 7 6 i,76o-577 26 1 2 j 962-164 o 18 8 28 14 1 1,389-067 2 18 6 48 5 3 1,166-874 38 13 4 1,030-533 17 16 2 30 152 1,042-230 17 3 1 9O9'445 042 19 13 1 j 966-032 L 098 9 13 11 : 653-560 o 10 s 12 15 4 ' 204-112 19 16 10 I 532-646 11 13 4 i 242-238 3 17 6 252-537 I33-659 188 73-328 40-032 126-711 , o 10 o 17-875 j 4-339 43-39O I ~~ : I I £1,465 18 0 £62,309,751 ! £84 6 9 ! I 1 26 27 28 29 30 31 39. 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 88 89 90 93 244 215 227 251 202 224 215 214 145 165 125 113 107 95 81 51 27 32 22 18 8 6 3 3 2 1 160 4 1 I | ! Totals 10,253 I £2,921,836 £812.495 12 £72,932 10 7 j L 1 1

H.— 8b

23

FIFTH SCHEDULE.

Appendix No. 3. ASSURANCES FOR THE WHOLE TERM OF LIFE BY LIMITED AND SINGLE PREMIUMS, WITH PROFITS, In force at 31st December, 1911.

Age I-3 attained. fl£! d O ; I* Amount assured. Bonus Additions. =t_i en "o . H fc I* f! s≤ 1 JL_1 Office 1 Pbemi Ordinary. Annual [CMS. Yearly >r t Permanent Premiums, deduction Premium. i ■ Extra. 2 2 2 3 6 7 6 8 7 10 17 7 13 7 11 8 9 ? 10 11 11 17 24 11 16 I JI 17 21 3° 16 17 20 26 21 32 32 22 19 12 16 14 8 7 6 4 8 ! £ ■■ 'i950 o o 350 o o| 400 o o 700 o o 2,OOO O O 2,200 o o .,000 o o 2.1 14 O O 2,307 O O 2,165 o o: 1,933 ° °j 5,583 o o! 1,516 o o 4,g3i o o 2,541 o o 4,808 o o 2,128 0 o 4,933 o o 3,405 o o 4,067 o o 1,697 o o 4j447 ° ° 4,064 o O: 1,596 0 o 7,416 o oi 8,672 o oi 3,337 ° ° 6,300 o o 6,163 o o 8,212 O O 7,179 o o II,665 O O 9,372 o o 6,079 o o, 9,135 o o; 9,448 o o 9,847 o o 7,436 17 oj 17,396 o oj 11,060 o o\ 9,563 o o 7,936 o o 6,689 o o 5,020 o o 7,242 o o 3,349 o o 2,984 o o 1,796 o o 1,382 o o 1,801 o oi £ b. d. 109 8 o 43 7 ° 47 « ° 85 16 o 339 16 o 498 7 o 494 2 o 356 3 ° £ s. d. I •• <i. £ £ s. d. 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 5O ' 51 52 53 54 55 56 57 58 59 6O 61 62 63 64 65 66 67 68 69 7O 71 72 73 74 75 76 77 78 79 8O 81 82 83 84 85 87 90 597 15 ° 533 13 ° 488 6 0 i,549 9 o 257 11 o 1,078 14 o 636 i o 1.383 o o 668 14 o 1.384 14 o 841 8 o 969 15 o 520 17 o 679 11 o j 1,416 19 o 676 5 o ; 2,118 18 o ! 2,523 13 o 1,048 9 o 2,460 19 o 2,161 3 o 3,661 8 o 2,565 4 ° 4,565 15 o ! 3,877 18 o I 2,107 2 o 4,349 11 o 3,492 10 o 3,651 6 o [ 3,664 4 o 6,509 12 o I 4,985 12 0 3,954 17, ° 3,183 4 o 3,259 5 o 2,249 14 o 2,671 15 o 1,318 4 o 1,478 4 0 724 17 o 753 1 o 548 13 o 1912 1914 1915 1916 1917 1918 1919 192c 1922 1923 1924 1925 1926 1927 1929 1934 1937 1939 13 11 X 4 6 7 6 4 1 2 2 5 2 45'7 49-1 47-0 47H 42-8 48-0 4 J, 3 41-7 40-0 50-0 44-0 36-2 42-5 447 45-0 46-5 47-0 34'° 32-0 in 92 136 12 I 167 2 7 81 ig 11 64 4 4 64. o o 91 19 o 35 10 8, 288: 26 11 4 10 13 9 36 9 1 17 5 o 16 1 o| ig 9 10 23 9 8 2 12 8 3 18 4 3 14 8 7 i6 8 O 12 6 91-113 Il6'OO2 139-504 68-878 52-117 54-290 7577 1 29-035 1-966 22'2OO 8-707 29-119 I3'647 I3-I59 8-573 19-563 2-170 3028 2-846 1 19 11 o io 4 3 2 2 1 1 1 4 4 1 1 1 1 1,315 0 o 3,104 o o 500 o oi 500 o oi 300 o o 500 o o 555 13 ° 546 4 o 267 17 o 245 17 o 267 10 o £91,425 i o £8 19 6 £751-688 £1 19 11 Totals i 655 £256,533 17 ° 90 45-O £906 11 9

H.—Bb

24

FIFTH SCHEDULE,

Appendix No. 4. ENDOWMENT ASSURANCES WITH PROFITS In force at 31st December, 1911.

Year of Maturity. Number of Policies. Valuation Age. Amount assured. Additions. Bonus Oitick Annual Pbemiums. Net Premiums. Yearly Permanent Year Reduction of of Maturity. Premium. Ordinary. Extra. 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 I93i 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1967 542 535 607 637 602 652 74i 807 813 840 873 998 972 1,062 977 i,037 1,094 1,050 1,138 939 851 782 863 878 79i 476 423 397 432 384 179 133 123 98 101 54-5 S3- 2 5i-o 50-8 49-3 48-0 46-9 45-6 44-8 44'5 43'2 42-3 41-5 39-8 39-9 38-1 38-o 36-8 35-7 34-5 34'3 33-5 32-2 32'0 30-7 3o-6 30-2 29-5 29-2 27-8 28-5 28-7 27-3 26-0 24-6 25-1 265 22-4 24-3 25-7 25-6 20-6 217 19-3 16-0 £ 116,974 106,315 119,007 126,819 121,448 129,425 147,687 154,874 153,850 160,400 165,135 194.937 180,450 190,900 182,385 195,745 214,475 199,475 214,625 182,225 169,050 152,216 170,435 177,320 159,600 102,125 89,850 83,300 95,375 84,000 40,100 32,000 27,350 23,150 22,850 10,200 11,850 5,200 5,850 6,150 2,050 1,550 1,200 1,600 350 100 £ s. 23.992 5 20,492 9 21,921 5 22,019 17 20,557 1 20,787 .14 21,105 9 21,035 17 20,049 8 19,073 6 18,021 10 20,576 7 18,105 12 16,524 2 14,485 11 14.537 16 15,322 7 12,701 o 12,365 16 8,393 18 7,722 9 5,650 14 5,543 7 4,635 o 2,823 19 2,693 o 1,867 5 1,020 o 1,223 2 629 15 495 7 340 8 143 2 123 17 154 16 52 14 63 15 2 3 17 1 22 9 14 8 3° 9 2. o 6 10 £ s- d. 4,513 4 10 4,008 14 10 4,757 13 2 5,044 18 o 4,754 12 2 5,038 13 4 5,865 5 1 6,127 3 1 5,989 12 3 6,388 3 11 6,369 19 6 7,301 5 11 6,638 o 5 7,106 7 6 6,954 12 1 7,073 16 4 7,598 9 1 7,020 3 4 7,510 16 1 6,460 9 5 5,653 17 3 5,046 11 3 5,612 17 1 5,848 19 3 5,3 l6 6 4 3,079 4 10 2,677 2 11 2,475 5 3 2,785 5 2 2,456 8 3 1,096 8 7 855 7 2 720 18 3 597 5 o 573 11 3 250 17 2 283 12. 4 121 18 3 134 15 6 143 10 8 45 7 4 31 8 11 25 3 10 31 15 6 6 11 7 210 16 o o 1 17 11 3 4 0 £ s. d. 25 4 7 24 6 4 20 5 o 37 17 2 27 1 7 11 19 9 1208 15 12 2 19 12 o 29 13 10 22 "1 8 23 1 2 10 15 8 20 15 2 24 3 2 14 5 3 28 16 o 34 9 7 15 19 7 20 16 4 12 18 3 13 18 6 20 1 8 9 8 9 6 3 4 220 3 9 0 940 560 16 8 9 624 3 I 1 10 2 15 6 176 £ 3,938-268 3,506722 4,133-052 4,377-720 4,075-800 4,324-257 5,026-414 5,248-262 5,077-911 5,405-374 5,378-784 6,148-489 5,584-109 5,900-025 5,787-419 5,851-726 6,289-417 5,797-219 6,143-514 5,280-475 4,590-826 4,095-140 4,542-187 4,725-541 4,302-272 2,461-207 2,137-561 1,972-540 2,210-425 1,941-967 861-579 669-602 561633 462-016 440-207 190-652 217-944 92-669 101-606 £ s. d. 3 9 10 10 1 4 8 1 6 4 16 5 4 19 8 2 13 4 2 3 10 111 0 12 9 2 14 o 1 15 10 O 12 O 0 2 8 I20 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 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1967 47 46 23 25 25 11 8 092 7 7 2 1 7 4 109-591 34-474 23-3I7 18-845 23-738 5-046 1-462 11-710 1-352 2-224 1 20-O 29-5 16-5 24-0 2 1 700 100 200 14 6 1 Single and [iirttd. Pr'ms. 24,033 215 4.732.972 60,922 397 > 360 6 3,497 8 168,415 12 2 1,392 8 2 553 10 7 13 4 2 140,084-290 1,104-205 44 6 3 Single and Lmtd Pr'ms. Totals ■ 24,248 £4,793,894 £'400,857 14 1169,808 0 4 £566 14 9 £141,188'495 m 6 3 * Lidstonc's meai valuation age for s ims assured.

H.—Bb.

FIFTH SCHEDULE.

Appendix No. 5. LONG-TERM ENDOWMENT ASSURANCES (MATURING AT AGE 80), WITH PROFITS, In force at 31st December, 1911.

4—H. Bb.

25

Office Annual Pbemiums. YearlyPermanent Reduction of Premium. Age attained. Number of Policies. Amount assured. Bonus Additions. Net Premiums. Age attained. Ordinary. Extra. 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 2 £ 5"50 600 £ *. £ s. d. 906 9 16 4 39 5 11 13 10 2 5i 17 6 116 5 9 101 13 10 153 3 9 188 7 6 182 o 6 293 14 i° 234 6 8 276 2 o 486 8 10 507 9 9 534 6 7 664 3 3 540 18 10 689 10 o 916 1 9 978 5 2 988 3 2 1,027 9 8 966 14 7 i,i57 3 5 916 9 o 1,096 15 2 1,182 11 6 i,i35 10 o 1,019 2 4 1,494 4 6 857 13 4 1,057 o 9 982 2 8 961 7 1 834 5 5 672 9 11 627 11 11 672 4 o 473 7 1 566 o 10 361 15 9 505 9 o 560 5 11 278 8 o 39i 5 5 325 4 6 170 7 10 39i 1 5 542 13 6 109 o 2 117 5 10 247 11 8 286 11 5 8 18 8 67 7 3 57 6 8 16 9 o £ 5. d. £ 6-499 6-970 28-791 9-844 38-067 86-117 74-410 112-321 138-429 134-970 218-908 174-986 207-933 366-246 385-I54 407-744 507-320 4I4-736 532-733 708-949 762-412 769-876 800-403 761-489 9I3-379 725-402 867-352 938-073 905-272 816-974 1,205 980 694-382 854-504 800-995 781-219 680-518 552-248 516-766 555-655 393-687 47I-305 300-801 422-151 476-332 232-275 33I-043 272-959 I457I7 33I-099 465-500 92-424 102-882 211-074 252-175 7-574 58995 49-821 14-258 £ s. d. 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 3 8 2,400 800 3,000 6,650 5,900 8,500 9,800 9,45o 15,000 12,100 i3,75o 24,100 24, 200 25,150 30,450 24,400 29,900 39,400 41,200 41,550 42,250 37,750 44,400 34,150 40,550 41,900 39,35o 34,650 49,350 27,000 33,ioo 29,297 28,400 23,650 18,000 17,067 16,307 11,450 13,570 8,076 10,683 11,181 5.550 7,350 6,300 3,100 6,650 7,829 1,550 1,700 3,750 4,200 100 800 650 200 4 io 18 18 3° 28 35 46 47 5° 72 78 92 103 97 101 134 126 148 141 139 158 122 133 151 142 in 146 100 121 103 107 74 72 7° 59 50 5i 35 43 * 29 30 33 22 11 28 17 5 3 12 7 1 I o 4 10 24 o 91 4 107 10 40 2 53 1 132 9 229 10 196 12 456 17 363 4 486 17 556 15 550 18 537 15 914 10 1,018 1 1,411 16 i,550 11 1,048 19 1,426 6 1,099 1 i,530 3 1,589 5 i,399 10 i,446 3 1,988 8 1,020 6 i,433 1 1,191 19 1,318 4 1,094 1 782 12 903 19 646 3 503 9 613 17 346 o 467 12 418 1 294 12 - 343 19 37i 14 172 18 332 11 221 10 57 4 85 19 274 6 264 7 4 o 43 o 33 5 16 8 2 10 o 2 19 o 10 14 6 2 9 5 3 9 6 4 9 6 880 4 9 6 3 9 7 5 9 6 9 8 10 1 10 4 5 16 9 12 2 4 10 3 5 3 14 1 10 3 5 13 15 8 5 5 3 5 14 8 904 11 6 2 5 4 10 17 13 o 18 11 2 672 6 19 o 388 2 18 6 5 7 3 2 13 o 3 15 10 9 19 8 2 14 11 6 15 8 5 15 10 3 11 10 11 4 10 1 16 7 3 2 1 Totals 3,582 .£1,030,710 £33,509 14 £30,111 17 9 £261 7 6 £24,095-098

H.—Bb

26

FIFTH SCHEDULE,

Appendix No. 6. DOUBLE-ENDOWMENT ASSURANCES, WITH PROFITS, In force at 31st December, 1911.

Appendix No. 7. TEMPERANCE NON-PROFIT SECTION (Constituted according to Section 39, Government Life Insurance Act, 1908).

Number of Policies. Valuation Age.* Office Annual 1 Premiums. Year of Maturity. Amount assured. Bonus Additions. Ordinary. Extra. Net Premiums. Year of Maturity. 1912 1913 i9H 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1950 12 53'5 50-1 48-1 49-5 48-5 46-3 45-9 47'° 44-3 43'6 42-1 42-2 40-0 4i-9 4I-I 37'9 36-3 35-2 35-2 34-i 32-4 30-8 3°'2 30 o 29-9 301 28-3 27-6 267 26-5 25-1 24-8 23-5 236 23'5 18-0 £ 3,200 2,800 £ s. 159 6 135 11 197 15 670 18 960 15 420 10 441 4 460 13 1,284 6 2,083 17 817 3 1,278 13 1,030 6 1,572 18 1,413 12 1,136 13 1,817 8 1,681 17 2,075 2 1,496 19 993 16 1,294 4 1,158 1 906 16 719 3 585 1 329 16 222 1 402 7 408 10 327 4 187 5 £ s. d. 205 5 3 170 13 8 265 8 5 508 12 10 899 16 4 497 18 10 55i 14 5 722 10 10 975 1 1 1,594 5 8 S41 14 o 1,379 2 o i,456 7 5 1,917 10 11 1,939 4 6 1,785 13 7 2,450 11 8 3,148 7 5 3,497 4 4 3,452 1 6 2,089 19 1 3,018 1 9 3,266 3 10 3,658 9 2 3,883 13 7 1,536 4 4 1,408 6 8 2,062 6 5 2,338 3 2 2,638 15 9 856 10 6 1,150 14 9 1,295 1 7 1,507 3 9 2,001 16 8 7 17 8 £ s.d. £ 186-200 156575 243-325 464-250 823-850 449-325 501-975 663 550 869-325 1,420-550 749075 1,227-725 1,292-950 1,683-425 1,708-628 1,559-575 2,122-675 2,736-175 3,032-200 2,986950 1,778-140 2,567825 2,765-000 3,093-025 3,287100 1,267-900 1,162-350 1,693-250 1,909-675 2,156-975 671-150 903-650 1,012-150 1,179-550 1,581-000 6-325 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 1938 1939 1940 1941 1942 1943 1944 1945 1946 1950 13 12 50 7i 35 45 56 in 175 88 135 161 4,400 11,300 19,200 10,000 11,300 14,100 25,550 43,900 21,900 37,100 38,000 51,900 52,700 52,000 76,950 97,500 111,400 109,800 73,100 108,500 119,300 . 132,600 140,900 64,800 59,800 87,800 101,900 116,100 43,300 58,300 65,300 76,100 102,000 500 191 205 196 309 389 4i5 435 304 44° 497 527 550 255 237 338 404 445 192 239 278 309 343 1 1 5 8 8,463 16 2,145,300 1,816 28,669 10 "5 19 60,978 13 4 1 5 8 5i,9i3-368 'aid-up Policies — Totals 8,479 £2,147,116 £28,785 9 £60,978 13 4 £1 5 8 £61,918*868 * Lidstone's mean valuation age for sums assured.

N FORCE AT 31 ST 'ECEMBER, I9II. .ge attained. Number of Policies. Amount assured. Bonus Additions (allotted previous to transfer). Office Annual Premiums. Ordinary. Extra. Net Premiums. Age attained. ASSURAN' :es for the ■hole Term of Life, with Whole-life Pri IMIUMS. 37 55 66 67 68 i i i i i £ 2O0 300 200 £ S. d. 4 18 o 35 13 o £ 5 - d. 3 4 8 6 14 6 5 8 4 6 8 8 £ 2-416 5-469 4-912 5-526 3-818 37 55 66 67 68 200 150 4 4 4 Totals 5 £1,050 £40 11 0 £26 0 6 £22141 Endowment Assurances. 1 200 11 17 o 5 17 0 4,868 41 41

H.—Bb.

FIFTH SCHEDULE.

Appendix No. 8. ASSURANCES FOR THE WHOLE TERM OF LIFE, WITH WHOLE-LIFE PREMIUMS, WITHOUT PROFITS, In force at 31st December, 1911.

Appendix No. 9. ENDOWMENT ASSURANCES, WITHOUT PROFITS.

27

Age attained. N p U oto?es° f Amoun, i Office Annual Premiums. Net Premiums. Age attained. Ordinary. Extra. £ 500 800 900 500 1,200 1,700 3,900 3,450 4,900 7,100 3,900 8,150 6,250 16,300 9,800 8,200 5,150 5,700 8,500 4,600 9,550 6,600 3,300 4,650 4,250 4,200 6,200 3,350 2,400 2,500 2,700 1,700 1,150 2,200 2,000 1,300 700 1,000 1,350 800 450 IOO 800 500 £ s. d. 692 10 9 o 12 16 8 £ ■■ d £ 6 040 g-688 11-604 6-619 16436 23763 56-078 50-577 73579 109-715 62-460 134-099 105-211 282-644 176-212 152-134 97 645 113-311 171-903 96-660 208-493 148-691 76336 113-281 106186 108-823 164-841 94456 70904 75-755 86-037 55-I3I 39895 79-216 73-382 49624 28-908 43-548 58719 37-8I4 21-993 5-611 42728 36-510 15 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 64 1 3 4 3 5 5 10 10 17 19 14 26 22 39 27 24 20 21 21 13 25 23 15 19 14 11 16 7 4 5 17 15 6 26 o 10 60 12 6 54 14 8 78 6 o 117 6 o 67 1 5 141 16 6 no 15 8 297 19 3 185 14 5 159 13 2 103 5 8 120 2 4 181 1 2 101 8 9 219 7 o 155 11 0 79 12 4 118 10 9 in 9 9 114 o 4 171 18 1 99 6 n 74 13 o 78 9 7 90 14 3 56 19 3 42 7 8 82 10 3 76 19 o 51 7 2 29 15 6 45 13 9 60 9 10 38 18 4 23 O I 5 18 1 43 16 o 37 4 7 300 550 1 5 o 2 IO O 2 IO 0 15 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 64 OIOO 14 9 10 10 8 300 IOO 4 11 4 4 4 4 3 4 3 1 2 0 0 500 O IO o 2 1 Totals 523 £165,250 £3,769 5 7 £26 10 0 £3,583-260

Year of Maturity. I I Number Va i uation Policies. s ■ I I Amount Assured. Office Annual Premiums. Net Premiums. Year of Maturity. Ordinary. Extra. 1935 1936 1940 I94i 23 28 28 29 353 339 26-7 300 £ 7,550 7,150 5,100 5,800 £ »■ d. 260 17 o 244 l6 3 138 8 10 160 13 2 £ ■"■ d. o 15' 8 £ 237-385 223-749 123-910 145-880 1935 1936 1940 1941 Totals 108 £25,600 £804 15 3 £0 15 8 £730-924 I

Appendix No. 10. Table showing the Minimum Surrender Value of Policies for £100.

'rice 9d.

F/FTif SCHEDULE.

By Authority: John Mackay, Government Printer, Wellington.^l9l2.

Whole Life Assurance by Equal Annual Premiums for the Whole Term of Life. Endowment Assurances payable in Fifteen Years, or at previous Death. Endowment Assurances payable in Twenty-five Years, or at previous Death. Endowment Assurances payable in Thirty-five Years, or at previous Death. 1 8 o 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 Years. i I CB ■a -c C4 o" a to re 15 20 £ s. d. 3 10 2 16 0 £ s. d. 6 8 0 6 19 0 £ s. d. 10 2 0 11 4 0 £ s. d. 18 18 0 21 15 0 £ g. d. 30 7 0 34 17 0 £ s. d. 25 0 0 25 0 0 £ s. d. 89 5 0 89 5 0 £ s. d. £ s. d. 11 8 0 ' 26 10 0 11 8 0 26 10 0 £ s. d. 67 5 0 67 5 0 £ s. d. 90 2 0 90 2 0 £ s. d. 6 11 0 6 11 0 £ s. d. 15 8 0 15 8 0 £ s. d. £ s. d. 37 8 0 72 1 0 1 37 8 0 71 6 0 £ s. d. 91 3 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 5' O o ■a. ffl 35 40 4 19 0 6 2 0 12 0 0 14 10 0 19 3 0 22 17 0 35 5 0 40 10 0 51 17 0 57 9 0 25 0 0 24 6 0 89 5 0 88 7 0 11 8 0 26 10 0 11 4 0 26 6 0 67 5 0 65 14 0 90 2 0 88 12 0 6 11 0 7 4 0 15 8 0 16 19 0 37 8 0 69 6 0 38 15 0 68 12 0 88 6 0 87 8 0 45 7 7 0 17 5 0 26 17 0 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 55 10 10 0 23 14 0 35 10 0 55 12 0 69 16 0 22 12 0 86 1 0 12 2 0 27 12 0 62 9 0 85 9 0 60 12 3 0 27 5 0 39 16 0 58 10 0 77 17 0 21 12 0 84 15 0 NOTE. —In addition to the above Values the full H M - 4i per cent. Cash Value of all existing ordinary Bonuses is granted.