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This item is filmed at the reduction ratio checked below/ Ce document est fiimA au taux de reduction indiqud ci-dessous. 10X 14X 18X 22X 26X 30X ^^■H^^^Mi iBBiaB ^^^ 1^^^ i^a^ ^^BB ^^^^^^^mmmi^j^m,m^^^^ ^aaa ^b^ ._bi 20X 24X •iis du difter jne lage The copy filmed here has been reproduced thanks to the generosity of: Metropolitan Toronto Library Canadian History Departmant The images appearing hare are the best quality possible considering the condition and legibility O? the original copy and in keeping with the filming contract specification*. L'exemplaire film6 fut reproduit grfice d la ginCWi:Rin BY ACT OF PARI4IAMBXT, 94, Nfwgate Siieety York. Capital,— ii I i . .' . / pU' 1 _/- .^ ,/• i^"' govkrnor, Defutv Governor, Trustees, I DIRECTORS. Managijjg Director, ^4^^' e /<^a. IUkkcrs — Bank of l^per Canada. Legal Adviser, Medical OmcERs, Nothinp^ \» mnrff common, or mnre itiuptii, th»n to mistike the ictut) for the po«. fiMf— to believe that tttt which l»i i» all which i-^n h« ; «ce betorti — Epiniiu&gk Kkvikw. lORONTO PI IRI in I IRR/iey PROSPE0TW3 £.,^^ - :J 7'"'''/ ti I H YORK: FRINTED AT THE COURIER OFFU K \fiil O *'::> "b <^ 'c--^ ( ;> i1 & r 13 1955 11 J J^frr l^riMitttncnt. t' I! The objects and advantages of "Assurance against loss or damage by fire," are, it is presumed, so tho- roughly understood and universally appreciated, that it is altogether unnecessary to offer any thing like an essay on them here, but it is not equally unnecessary that the public should be put in possession of the rea- sons that suggested the idea of establishing the British America Fire Assurance Institution. It is a matter of notoriety, that in consequence of there being no institution of the kind in this Province, large sums are being continually sent out of it, to en- rich capitalists in England or the United States, and tor which sums the Provmce gets no valuable return in any shape whatsoever. But this is not all : owing to the policy stamp, and tax on assurance, which exist in England, and the superadded charges for agency or agencies, in Upper Canada, the rates for Fire Assu- rances become so high, and so disproportioned to the risk incurred, as to form a very heavy tax en the com- munity at large, but falling heaviest of all, upon the industrious classes, or those who are engaged in trade or business. k 4 wnm* That "Assuranceagainst loss ordamege by fire" con- stitutes a most indispensable item in the expenses of every prudent householder, it will not be denied. The < great want of such an institution as the present,has been long le't and acknowledged, and an application to Par- liament has been for years contemplated ; but some- how or other, session after session has been allowed to slip away, without any thing being done in the mat- ter. The present undertaking has the patronage of some of the most enlightened and respectable men in the Province, and it is sincerely hoped that it will not be suffered to fall to the ground, for want of spirited co- operation on the part of the public in general, whose benefit is most essentially consulted in the founding of the BfiltshJmerica Fire and Life Jssurance Inslilution* Surely there is not on the face of the earth, a place that has risen, and is rising, faster into consideration than this colony — even its present expenditure for Fire As- surance is estimated at little less than X 100,000 a year! It has been ascertained so as to become a demon- strable theorem in mathematics, that " a population has a tendency, under ordinary circumstances, to double itself in 23 years ;" and if this natural tendency be helped by the vast and increasing annual influx of emi- grants most of whom are now bringing with them more or less property, what may not in time be reason- ably expected from the wealth and inhabitants of this 1. l> II PIBE. ' fire" con- penses of lied. The « itjhas been ion to Par- but sorne- }n allowed in the mat- tronaji^e of ^le men in it will not pirited co- ral, whose aunding of Institution. i place that ration than or FireAs- )00 a year! a demon- )ulation has , to double indencv be fiux of emi- with them be reason- ants of this l> II fair portion of His Majesty's dominions ; and is it not almost a reproach on British skill, British civilization and British enterprise, the not having already estab- lished in Upper Canada, some such institution as that which hereby respectfully solicits the patronage and support of the public ? If the British America Assur- ance Institution had none other object in view than lo lieep within the Province the enormous and still in- creasing sums that are being from time to time sent out of it, the Institution would, as a matter of Political Economy,come powerfully recommended to every well- wisher to British America. But besides the patriotism of the thing, and its great public advantages, there 'are other reasons— private reasons— why every assurer in the Province should patronise the British America Assurance Institution ; reasons which touch every pru* dent man too nearly to be overlooked. The cost of assuring with this Institution will be about one half the cost of assuring with any office in England. Every one who assures there, pays (not to reckon agency) stamp and policy duty, which duty amounts to double as much as the premium charged by the office. There is now in York, a gentleman who assures a certain properly in the Phoenix Office, Lon- don. The yearly cost of such assurance is X8 : 1 6 : 8, and it is thus divided on the face of the policy ; «« An- nual Premium, £2: IS: 8, Duty on ditto, ;£5:18:0." ft riRC. This tax the Legislature does not exact on Assurances effected in the Colonies. If, after the establishment of the British America Assurance Institution therefore, any owner of property should joniinue to assure it in London as heretofore, will not>e guilty of a manifest absurdity and be blind to his own interest, both public and private, or must not he be singularly fond of pay- ing taxes— taxes unnecessary, because unimposedl ^ With respect to the InstHuiion itself, there have ari- sen but two questions, both capable, however, of the most satisfactory solution. First.^Is the guarantee of the British America Assurance Institution as solid md as undeniable as the guarantee of a London Assu- ranee Office ? Second,— Is the country in a situation to support such an Institution 1 If ihe former cf these queries be answered io the full and erdire sot^ffatlton of a person desiiing to assure, such person, need bard- ly be at the pains of discussing the latter. The security offered by the British America Assu- rance Institution, is the security of a large body of proprietors, comprising in their number the most dis- tinguished men in the Province for talent, wealth, and respectability, acting under the authority of the Legis- lature, and headed by a court of Directors, chosen bjr the proprietors themselves from out their owa body. For those who know these Directors, their very names will be attestation and certificate sufficient of the wis- \S ssurances blishiiient therefore, sure it in % manifest oth public d of pay- posedl have ari- 2r, of the guarantee on as soiid don Assu- a situation r of these ^otiffoction needhard- irica Assu* 5 body of \ mostdis- krealtb, and the Legts- chosea by own body, ^eiy namesf ►f the wis- {S riRK. dom and integrity of the Institution ; and those who know them not, will only be in the same situation with those who assure with a body of Directors, .who reside in another quarter of the globe and wliose names, for the most part, have never been seen or heard on this side the Atlantic. The other query is ihus^ieplied to : A much less sum than that which now goes out of the Province to pur- chase Fire Assurance, would be enough, and more ihan enough, to warrant the prosperity of the Institution, became Econormj is to be the ruling feature in its ma- nagement. And last of all, even if the present thinly inhabited state of the Colony, were an objection of any weight, such objection is becoming less and less, day by day, as must be apparent to every one who ob- serves how rapidly buildings are going on, and how vast h the wealth that is hourly pouring in on all sides, and i;rowing up in the Canadas. m 9 FIRE. * Pint Clan 0/ Hsited. Ships )s, ai;d ships »ns, on rivers n. Stables. lying to the 1 i .\ Not Jlui^rdout, Goods, not haxwdouit art to be assured at the same rates aa tfm buildings in which they are contained, end are such goods as are usually kept in Dry GooJs Stores ; including also Household Fur- niture and Linen, Cotton in Bales, Ooffl'e, Flour, Iili-o, Pot A^It Rice, Sugars, Teas, Spices, Thrashed Grain, and Salt. Ilazardom, The following Trades, Goods, Wares and Merchandise, are con. sidered haxardou$, and are charged with half a dollarin addition to the premium above named for each class, viz z-Booksellcrs'-stock, Chair 3Iakers, Chocolate Makers, Confectioners, China, Gla.s and Earthen Ware, Fhix, Hemp, Jtwellers' Stock, Milliners, Murical Instrument Sellers' Stock, Oil, Pitch, Picture, and Prints, SaHMa- kers. Ship Chandlers, Spirituous Liquors, Salt Petre, Tar, Turpen- tine. Tavern Keepers, Tobacco Manufacturers, and Watch-Maker.' Stock. Eattia llaxardouf. The following Trades and occupations. Goods, Wares and Mer- chandise, are deemed extra hazardous, and will be charged one c/o/. lar and upwards per £I0C, in addition to the ptemium on the build- ing, for each class, xh :-~Aqua Fortis, Apothecaries or Druggists, Boat Builders, Coach Makers, Cabinet Makers, Carpenters in their own Shops or buildings erecting or repairing, Chyroists, China, Glass and Earthen Ware unpacked, and buildings in which the same are packed, Coopers, Dycrj^, blither. Founder^ Musical Instru- ment Makers, Spirits of Turp^-ntine, Straw, Soap Boilers, andTal- low Chandlers, and all manwfactories requiring the use of fire heat; Gunpowder is not assurable unless by rpecial agreement. Bakeries, Breweries, Book Binderies, Distilleries, Fulling. •Mills, Grist Mills, Malt Houses, Paper Mills, Printing Offices, Sy. 10 ntLt. i I gav Kcfineries, and. Saw Mills, may te asourecl at special Iratei of preraiunii Application for assurance on property must be in writing, and' specify the construction and materials of the building to be assured, or contaiuing the property to be assured j by whom occupied ; whe« ther as a private dwelling or bow otherwise ; its situation with res- pect to contiguous buildings, and their construction and aiaterials; whether any manufactory is carried on within or about it; and in case of goods and merchandise, whether or not they are of the des- cription denominated Hazardous or Kxtra Hazardous, And if any person assuring any buildings or goods, shall describe the same otherwise than as they really are, so that the same be assured at lest than the rate of premium specified in the printed proposals of the Institution, or in a valued policy an over valuation, such assurance shall be void and of no effect* Ail reasonable Charges attending the Removal cf Goods in ca»« of Fire, will be allowed, and the Loss or damage sustained by such Removal made good. Accidents by Lightning will be paid for ; but the Institution will toot hold itself liable for any Loss or Damage to Hay, Corn,^C» occasioned by its own natural heating. If the Premiums for Assurances are not paid within Fifteen Dayi after the Day on which they become dut, the Assurances will be void. Assurances do not commence nntil the Premium be paid. Persons assuring for seven years will be allowed one ycat*sPre« mium, and proportionately for a shorter time. t; years, — 12 percent. 5 years,— 10 per cent. 4 years, 8 per cent. 3 years, — 6 per cent. 2 years,— 4 per cent. pcciil tfttet of 1 writing, and ; to be assured) cupied; whe« ation with res* ind aiaterialsi out it ; end in are of the d«g- ). And if any •\he the same assured at lesf reposals of the such assuraace Goods in cas« taiued by such [ostitution will {ay, Corn,^c» n Fifteen Day* trances wiU be z paid* >ne ycar*8 Pre* Eftr l9ctKirtmcut. DtTRlNO the last century, the soundest mathematicians, both of England and of the Continent of Europe, have ^ directed their attention to the doctrine and business of Life Assurance ; and notwithstanding the extraordina- ry pains that have been taken, and the no less extra- ordinary progress that has been made, it is the confes- ' sion of them all, that the subject is as yet far from being perfectly understood, or properly appreciated. \ Life Assurance is an important feature in modern refinement; and in those countries where the gieatest advancement has been made in the ?^rts and sciences, «ind where the subject has been most investigated and most understood, there has it invariably met with most ' encouragement and most success. ** Life Assurance,*' to use the words of an eminent philosopher, "is pre- ■**cisely the reverse of gambling speculations, inasmuch I " as its object is to equalize vicissitude, and to place ** the pecuniary relations of numerous masses of man- ?• kind (so far as it is allowed to extend,) on a footing "independent of ca5ualty." Its practice may be said ; to be chiefly beneficial in promoting Economy, by the powerful inducements it holds out to the lower and iili i 12 Lirs. i i H I middling classes, to become sober and careful, and to invest small amounts, thereby operating in the manner of a Savings' Bank, yet without a Saving's Bank's disad- vantage—that of affording only a reduced rate of in- terest. By Life Assurance, the effect of compound interest is obtained, and that, too, for trifling sums ; and with this very immense advantage, that Death,hap. pen when it will, instead of putting a stop to, completes the accumulation. Life Assurance has almost destroy- ed the proverbial uncertainty of human existence ; it has neutralized its most bitter consequences, and left it to the [iQe choice of almost every man to bequeath to his family, either poverty or independence. ^ Near a century and a half has elapsed since human mgenuity first hit upon this mode of alleviating the fate of the orphan and the widow. Atfirst, Life Assurance was received with prejudice, if not apprehension ; strengthened, however, by that best of all tests, the test of time and of experience, it has risen steadily into consideration, has become almost a matter of duty, and interwoven itself in the finance of all reflecting men. Fostered by public confidence and an advanced state of civilizaiion, it has in its turn materially contributed to the increase of both ; and the general conviction of its usefulness is abundantly attested by the rapidity with which it has passed from its first rude state to its present mathematical exactitude, and those numerous LIFE. 13 reful, and to the manner bank's disad« rate of in- * compound •ifling sums ; Death,hap- ', completes ost destroy- ^iisience; it ?, and left it )equeath to ince human ing the fate Assurance 'ehension ; sts, the test eadily into >f duty, and cting men. need state ontributed iviction of e rapidity state to its numerous modifications and nicely graduated scalcs,which equals ize its benefits and extend its application. The doctrine and practice of Life Assurance is one of the grandest discoveries of modern times, and the patronage of the Legislature and ihe universality of its adoption by the intellectual, the virtuous, and the pru* dent of all ranks, are pov/erful arguments in favour of its excellence. In England, the Universities have their Life Assurance Institution. Among the patrons and directors of which will be found, the Chancellors and Vice-Chancellors of Oxford and Cambridge, the Arch- bishops, Bishops, together with men of the most exalte edrank both in literature and in society. On the pros- pectuses of the Law Life, and various other Life Insti- tutions in London, there will be found three Lord Chancellors, most of the Judges, King's Counsel and Ijigh Law Officers ; Ministers of State, Peers of the Realm, Members of the House of Commons, and Mer- chants and Bankers of the highest standing in the city of London. As the principle of Life Assurance is far from being generally understood, a familiar illustration of the sub* ject may not be out of place here. Let us suppose (what is a very common r that pur- [). IV. c. 30, of the most ofmorlality 5t 36 years, by the most ance, Swe- f their res- Companies n guarantee le assurers I the settled cariousness re avoided, lieir turn li- ne. It is Assurance ; and, thaty en expend- 62,000 that olicies,(see ving hand* eir capita! m done at not unna- tem which they them' selves were cr^ifeting, and gave it to a company of ca- pitalists who had done little or nothing for it, beyond lending the use of their names. Hence arose a third kind of Institution, consolidating the advantages of both without the disadvantages of either — the guarantee of a subscribed capital, together with a share in the profits, yet without liability. * Of this class is the British America Assurance Institution. Its founders have taken care to provide such a capital as will be found amply sufficient for all useful purposes. A much larger capital might have been subscribed, which, however specious in appearance, would, in fact, be prejudicial to the best interests of the Institution, inasmuch as those subscribing such superfluous capital, would require, and reasonably enough, a proportionate share of the gains, which must come out of the pockets of the assurers. The Constitution Deed of the Bridsh America Assur- • The foMowine extracNar* in.<(!fl from the print*'! pro^pfcliiies nf jhe Eqnt»»Me, rtie Rork, the Norwich Union, aixJ ihe County Providen' K-fe Office*, (olely be- cause those prospectuses hrtpp^n to he at this motneot In York. and. therefore, 0|ieo |o inioection. Many other Oflfjres (it is noj denierJ) ar« pqiially as fl>uri»hing ; but •■ their tnin ted reportu are not H h.n't, i» is not roniidered fight to q-iote from them. «• Such hus heen the 8iicce!«9 of the Eq'iit.«hle Life Office, that eighty P*r «*♦»* h«* ••heen sddetl to polici««i« t^ken nut prior to 1810 ; «o th«t, whenever* Jife ^n^ur«*d for *• £50U0 shall iiiop,£10()U will be itdcted totbe policy; «i)il iovtead of five thouMod, •• nine thousand will be paid." The R >rk hi,* rfttnrneJ 43 pet Mnt on the pr«roiuma piid within the iMt 18 yMti. The Norwich Union have fetttmed €9 per cent, on all premium* paid, od acf»>un« of »8iurance«, efteeted prior tn JM of a Person who propos-es to maU« ar Assur.»«c<» on t!if LiJV uJT another. hPing Hcyrum vftHcamhuj a Mnnhn of ihelirithh Ameriia Axmumvt institution^ and intemliny to make Auurance in (he sum of Ufion iht' life uf and having pcntatd end connUhred that "clause of the Deed of Settlement of the scfid Imtitntion, vhu:h rr^ quires a dr.dnralion in writing oj thv. ago, ^fate of health, avd othrr circumstanc, . attending the person whose life shall be. proposed to be assured, do herebij declare and set forth, That the said has not anydisordti ivhich tends to the shorleu'mg of life ; that he has had the small pox ; und has had the gout ; and that the age oj the said . does not exceed * The Clause which is r^fnred to in the Declaration. That eveiyppr-'on d -sirong «f tiMkitiK assniitnce wjih the hiJlie..lion oliall ..Rn or exeru'e .. .k-cla..u,„n in wnl„.g(,n,lw. ,.re«. n.e of one or more c.VtJ.Me witnessen. who shall atirM th.. .a.ne), selling fonh the age, si^te of health, irnfe*. • urn, ocupitio,, anl other cirro.n^lances afendin- ihe person or i.e,?nn« whose f« cr lives shall be pro|n..e.d t,. he .s LIF£. j/ears i and thai I hate an interest in the l*t'0 tif the $oid ■ ft to the full amount of the said turn of and I do clearly understand and hereby agrtts t^'Kt ihit declarution be the basis o/lhe contract between the said Inati' ttition and met "^'^ ^hal if any untrue averment be contained in thi§ presmt dtclaraiion^ all monies which shall hate been paid to the said lAttiintion upon account of the assurance made in consequence thereof ^ »wil be for/eited. Voted the day of inth^ year of our Lord ■i % i i , interest in the ndherehy agrns \ the said Insti' ntained in thit mid to the said quence thereof, in the 2t ^^^^' THE SUBSTANCE OF A DECLARATION Required to be made and signed in the Office, by or on the Behalf of a Person • who proposes to make an Assurance on his or her ovonLife. :S I I of being desirous of becoming a member of the Bfitinh America Assurance Instilutionf and intending to make assurance in the sum of vpon and for the continuance of my own life, and having perused ^ and considered that * clause of the deed vj settlement of the said Insti- tvtion ^.hich requires a dedarationinwriting of the mjeystateo/health, and other circumstances attending the person whose lije shall be propo- sed to be assured, do hereby declare and set forth, That my age does not exceed ; that J have had the small- pox; and have had the gout ; and that I am not afflicted with any disorder which tends to the shortening of life; and I do clearly under- stand and hereby agree that this declaration be the basis of the contract between the said institution and me, and that if any untrue averment he contained in this present declaration, all monies which shall have ^^en paid to the institution upon account of the assurance made in con- sequence thereof, shall be forfeited. Dated the day of in the year of our Lord ! i * See Note ia page 25. ; rf I TABLE A. Premium fur asiuring the sum of One HunclreJ Pounds vpon the Life of any healthy ptrsou from the age of Eight to Sixty-Seven, At9 n^'Si Binh Ddy. One Year. £ 8. tJ. 8 to 14 17 9 15 17 11 16 19 2 17 1 2 18 3 3 19 6 20 7 3 21 8 10 22 9 3 23 9 8 24 10 2 25 10 7 26 11 1 27 11 7 28 12 1 29 12 8 30 13 3 31 13 9 32 14 4 33 15 34 15 8 33 1 16 4 36 17 37 17 9 3H 18 6 39 10 3 40 2 8 41 2 2 42 2 3 6 43 2 4 6 44 2 5 C 45 2 6 8 46 2 7 10 47 2 9 iSeveo Years at 81) auitual psymen lof £ s. d. 1 6 2 11 4 7 6 1 7 5 8 6 9 5 10 1 10 6 11 11 6 12 1 12 7 13 2 13 9 14 4 14 11 15 7 16 3 16 10 17 8 18 10 19 7 2 8 2 1 9 2 2 11 2 4 1 2 5 4 2 G 6 7 9 2 9 2 2 10 10 2 12 6 2 14 4 aonuai payroeoi of £ s. d. 1 17 7 1 18 7 1 19 8 2 8 2 1 8 2 2 8 2 3 7 2 4 6 2 5 4 2 6 3 2 7 2 8 2 9 2 10 2 11 2 12 3 2 13 5 2 14 7 2 15 9 2 17 1 2 18 5 2 19 IC 3 1 4 3 2 10 3 4 6 3 6 2 3 7 11 3 9 9 3 11 8 3 13 8 3 15 9 3 17 11 4 2 4 2 7 I . % p 30 LIFE. 4%\ II iff 1% A(»e next Birtlj Drt)-. 8 to 48 49 60 51 52 5.J /)4 5.-> 50 67 6« 69 (iO 61 62 Gli 64 65 66 67 One Year. £ s. d. 2 10 3 2 12 2 15 2 17 2 19 3 1 3 3 5 7 9 3 12 3 3 15 1 3 18 4 I 4 3 11 4 7 8 4 10 9 4 15 2 6 I 5 5 6 3 3 3 3 1 4 1 3 8 1 5 ^t\ta Vi-am at an Buuual Fur the whole lifr at l><:yiiieni of 6 8 8 9 £ s. d. 2 16 4 2 18 3 3 2 3 4 3 7 3 9 5 3 12 3 14 8 3 J7 6 4 6 4 3 8 4 7 1 4 10 11 4 15 4 19 8 5 4 10 5 10 10 5 17 7 6 5 2 auiiUKj |)eitt of "£171: 4 5 1 4 7 10 4 10 8 4 13 6 4 10 5 4 III 7 5 2 10 5 4 5 10 1 5 M 5 IS 2 6 2 8 6 7 4 6 12 4 6 17 9 7 3 7 7 9 10 7 16 9 8 4 1 8 12 1 •o Example.— The sum o[ £m may be assured on a life not exceeding the a-e of twenty-five next binh- day, payable to whomsoever the assurer may direct in case of its I'ailure within one year, for £{ : 10 : 7 •— . within seven years, by paying annually £l \ 12*. iL Whenever death shall happen, by paying annually until that event, £2 : 8 : 1. And so on in proportion fora greater or le.^s sum. I am 32 years old, and I am anxious to h'ave at my death, to my wife and children ^0000 ; by reforrini,^ to the tabhsl fmd I must pay an* nualiy, £Vid : 7 : 6. as long as I Jive. ( Payn i;iu 20 hole life »t «Q t'ii^ioeitt of ed on a :t birth- irect in • i ,— . * • I.-— y until )n for a I am ilJren, >ay an- LIFE. TABLE B. ANNUAL PREMIUMS Ipaynhfe dnrhq the continuance of the Life assured,) for assuring i;iu(> ♦ on tfic voHtimjaicij of om's life aurvlvimj the other. iV Life Assured 10 20 30 40 A(.KS. A(il li. (1. 10 1 8 i-> 40 hO J 12 10 20 1 1 CO 2 9 4 30 1 8 3 70 2 5 11 40 50 I 7 8 I G 11 80 2 1 10 50 10 4 U 11 60 I C 20 4 1 10 70 I 4 11 30 4 1 80 1 3 4 I IG ti 40 50 3 17 10 10 3 13 10 20 1 17 V 60 3 7 7 30 1 15 » 70 3 1 6 40 60 1 14 8 1 13 6 80 2 15 00 10 5 16 » r>o 1 12 1 20 5 18 1 ";o 1 10 6 30 5 16 3 80 1 8 3 40 50 5 14 10 2 5 5 5 10 7 20 2 6 60 5 2 4 30 2 4 6 70 4 10 40 60 2 2 9 2 on 80 3 17 1! 67 10 H 1 CO 1 18 10 20 8 2 9 70 1 80 I 10 7 30 K 10 1 13 9 40 7 18 7 10 2 10 2 60 7 15 6 20 2 10 ill r.o 7 8 8 30 2 IS 'J 70 6 10 8 40 '2 15 1 1 m . _ 1 80 r» s 9 FxAMi'i.r. — Ann-ial jtiymeiUrt of £2 : 13 : 2. a uvm .s^z*'^\ »«>. uuv H.Ti.ie to >»• vi\U\ a-..,! ;{0.£100 nt hie (l<',.tJ.. j'r"^"te(5 she i.«jri|v^ Mii». .My p>H'}*, a»'M;i«"y /:.'**: :? : 1. »!<• will !-f<-..r.» to »i»i ( i»" ^Ih- *^";^^*'|^"_2J-1:'*,"".V ~* (>, ^.l.l.M.'.Jami.tariTT^v !."-WVt,.ui '. ii."'. ...r.T;)i • <.•!"<•. «-. i. M.m.|..i. i.n the .J.Mili of «l».< (M.i-. -.•■!. itn I t" i" ••.•iiui..|. I .M.ii .: !».. I.h- 1 f <»..• .iitvivwr— ■'V 32 XIFC. TABLE C. ANNUAL PREMIUMS Payahle until eilher of two Lives that! drou for dreft Pounds upon that event. ^ ^ Ofle Hm^ \h\ £100 -.by referring to JaeTabl^''!'^':^^ surv.vor .hould rt-eeive quired is €4 : 5 : to br J- 1 ' *'^*',/'"** «J>at the premium re- wc desired e. L^'km^ \:lTTi^\r^ ^ ' "^ *^- "^ would be £212 : 10 : 0. * *^®^' tte aaimal premiuni '••■i..<...V? % One Uun- E. £ 8. d. "5 13 10 c 5 e 6 19 2 7 18 6 5 11 9" 5 19 9 6 10 8 7 4 8 3 10 5 — 5 4 6 7 4 6 17 9 7 11 8 9 6 10 11 1 7 7 8 8 3 8 18 3 10 18 10 8 12 2' 9 9 11 8 10 "4 12 2 5 9" 1 I'i 15 8~ ; — we are '