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CONTRACTS 
 
 MOST IMPORTANT 
 
 Lift Insurance Companies 
 
 OF THE 
 
 United States of America, 
 
 WITH 
 
 ACCOMPANYING ESTIMATES AND TABLES. 
 
 FOR THE USE OF AGENTS. 
 
 'FEB 4 1888 
 
 16.7S- 
 
 JANUARY, 1888. 
 
.fa 
 
 Entered according to Act of Congress, in the year 1888. by 
 
 A. J. FLITCRAFT. 
 
 in the office of the Librarian of Congress, at Washington. 
 
THIS BOOK IS MOST RESPECTFULLY 
 DEDICATED 
 
 TO THE 
 
 FIELD -WORKERS OF LIFE INSURANCE 
 
 BY THE 
 
 AUTHOR. 
 
Chicago, III., January 20, 1888. 
 To tlve Life Insurance Agents of the United States: 
 
 Greeting.— During many years of field-work in Life Insurance the author of 
 this volume has experienced the want of a book containing reliable and definite 
 information as to the plans and methods of the several companies whose names 
 are herein contained. 
 
 The premium rates, guaranteed and estimated results in this book, are ex- 
 tracted from Agents' Confidential Rate and Estimate Books, furnished them by 
 the different companies. 
 
 Much labor and expense has necessarily been involved to produce a work of 
 this character. Nothing has been left undone to make it a "vade mecum " for Life 
 Insurance solicitors. 
 
 " Knowledge is power." 
 
 Trusting that the use of this book will facilitate the arduous task of writing 
 applications for Life Insurance. 
 
 I am, with great respect, 
 
 Fraternally yours, 
 
 A. J. FLITCRAFT. 
 
COMPANIES. 
 
 Commenced Business. 
 
 .Etna, of Hartford. Conn January, 1850 
 
 Berkshire, of Pittsfield, Mass September, 1851 
 
 Connecticut Mutual, of Hartford, Conn December, 1846 
 
 Equitable, of New York July, 1859 
 
 Germania, of New York July, 1860 
 
 Home, of Brooklyn, N. Y May, 1860 
 
 John Hancock, of Boston, Mass ^December, 1862 
 
 Manhattan, of New York August, 1850 
 
 Massachusetts Mutual, of Springfield, Mass August, 1851 
 
 Michigan Mutual, of Detroit, Mich August, 1867 
 
 Mutual Benefit, of Newark, N. J April, 1845 
 
 Mutual Life, of New York February, 1843 
 
 National, of Montpelier, Vermont February, 1850 
 
 New England Mutual, of Boston, Mass December, 1843 
 
 New York Life, of New York April, 1845 
 
 Northwestern Mutual, of Milwaukee, Wis November, 1858 
 
 Penn Mutual, of Philadelphia, Penn May, 1847 
 
 Phoenix Mutual, of Hartford, Conn May, 1851 
 
 Provident Life and Trust Co., of Philadelphia, Penn June, 1865 
 
 State Mutual, of "Worcester, Mass June, 1845 
 
 Travelers', of Hartford, Conn July, 1866 
 
 Union Central, of Cincinnati, Ohio March, 1867 
 
 Union Mutual, of Portland, Maine October, 1849 
 
 United States, of New York March, 1850 
 
 Washington, of New York February, 1860 
 
iBTNA LIFE POLICY. 
 
 This Policy is issued and accepted, upon the following express conditions and agreements: 
 
 Section 1.— The answers, representations, and declarations contained in or indorsed 
 upon the application for this insurance, which application is hereby referred to and made a 
 part of this contract, are warranted by the insured to be true; and if this Policy has been 
 obtained by fraud, misrepresentation or concealment, or if the insured shall commit suicide, 
 or die in consequence of a duel, or in consequence of h...violation of any law wherever he 
 may be, or if he shall become so far intemperate as to impair h...health, or induce delirium 
 tremens, then in each and every of the foregoing cases this Policy shall be absolutely null 
 and void, except as hereinafter provided in Section 9. 
 
 Sec. 2.- This Policy shall not take effect until the advance premium hereon shall have 
 been actually paid, during the lifetime of the insured; and if any subsequent premium on 
 this Policy be not paid when due, during the lifetime of the said insured, then this Policy 
 shall cease and determine — except as hereinafter provided; and no premium on this Policy 
 shall be considered paid UDless a receipt shall be given therefor, signed by the president or 
 secre'ary of the company. 
 
 Sec. 3.— The said insured is permitted to reside in any settled portion of the United 
 States and British America, excepting that he is not permitted to go south of the thirty- 
 second parallel of north latitude, from the first day of July to the first day of November. He 
 is also permitted to reside in any settled portion of the Eastern Hemisphere, lying north of 
 the forty-second parallel of north latitude, and west of the fortieth meridian of longitude 
 east from Greenwich, at all seasons of the year, and in Italy, south of said forty-second paral- 
 lel, excepting from the first day of July to the first day of November; and he may also pass 
 as a passenger by the usual routes and means of public conveyance, to and from any port or 
 place within the foregoing limits; but if he shall, at any time during the continuance o 
 this Policy, pass beyond or be without the foregoing limits, or shall be personally engaged in 
 blasting, mining or submarine operations, or in the manufacture or transportation of explo- 
 sive substances, or as an employee in any capacity, in service on any sea, river, lake, or other 
 body of water, or upon any railroad, or if he shall enter into any military or naval service, 
 whether voluntary or otherwise,— the militia when not in actual service alone excepted,— 
 without the consent of this company previously given in writing, signed by the president or 
 secretary, then, in each and every of the foregoing cases, this Policy shall become and be null 
 and void, except as hereinafter provided in Section 9. 
 
 Sec. 4.— Any assignment of this Policy shall be attached hereto, and a copy thereof fur- 
 nished said company; and any claim against this company, arising under this Policy, made 
 by any assignee, shall be subject to proof of interest; but in no case does the company guar- 
 antee the validity of an assignment. 
 
 Sec. 5.— All agreements made by this company are signed by its president or secretary. 
 No other person can alter or waive any of the conditions of this Policy, or issue permits of 
 any kind, or make an agreement binding upon the company. 
 
 Sec. 6.— Permits for residence or travel outside of the limits prescribed above, or to 
 engage in occupations hereby prohibited, may be granted at the option of the company, and 
 on payment of extra premiums to be determined by it; which permits must be signed by 
 the president or secretary of the company. 
 
 Sec. 7.— When the premiums on this Policy have been paid for three years or more, 
 and default thereafter occurs in the payment of any premium, a Paid-up Non-Participating 
 Policy will be issued for such an amount as the surrender value of this Policy will purchase, 
 at the then age of the insured, applied as a net single premium by the Actuaries' rate of 
 mortality, and four per cent, interest: provided this Policy is surrendered and application 
 made for said Paid-up Policy within twelve months from the time of the first default in the 
 payment of premium, otherwise this Policy shall become and be null and void, except as 
 provided in Section 9 of these conditions. No allowance will be made for this Policy, unless 
 the premiums for three entire years are paid as they become due, nor thereafter except in 
 paid-up insurance; and in determining the amount of Paid-up Policy to be issued, premiums 
 paid for entire years only will be considered. 
 
 Sec. 8.— After the expiration of three years from the date hereof, three full years' prem- 
 iums having been paid and the age correctly stated, this Policy shall, after the death of the 
 insured, be indisputable for the conditions named in Section 1; but the company reserves 
 the right to enforce its provisions as to fraud, misrepresentation or intemperance during the 
 lifetime of the insured. 
 
 Sec. 9.— In every case when this Policy shall be or become void, if the premiums for 
 three entire years have been paid, the amount which by the 7th section of these conditions 
 would be applied to the purchase of a Paid-up Policy, shall not be forfeited to the said com- 
 pany, but the same shall be due and payable in ninety days after satisfactory proof of the 
 death of the said insured. 
 
 FROM ^ETNA LIFE APPLICATION. 
 
 Being desirous of effecting an insurance with the JETNA LIFE INSURANCE COMPANY, 
 
 in the sum of dollars, upon the life of County of State of upon 
 
 the plan, I do hereby declare and warrant, that age next birthday will be 
 
 years; tnat now in good health, of sound body and mind, and do usually enjoy 
 
 good health; and that the following answers and statements are correct and true, and that I 
 
 6 
 
have not concealed, withheld or misrepresented any material circumstance in relation to the 
 
 pa?: or present state of health, hahits of life or condition, which may render an insurance 
 
 on life more than usually hazardous, or with which the directors of said company ought to 
 
 be made acquainted; and do hereby declare that I have an interest in the life of the said 
 
 to the full amount of the said sum of. doUars. 
 
 I understand that all policies and agreements made by the said JEtna Life Insurance 
 Company are signed by its president or secretary, and that no other person can grant insur- 
 ance or make any agreement binding upon said company; and I do hereby agree that the 
 declarations and warranties herein made, and the answers to the following questions, shall 
 be the basis, and form part of the contract or Policy between me and the said company, and 
 that if the same be in any respect untrue, the said Policy shall be void; and I further agree 
 that the insurance hereby proposed shall not be binding on said company until the amount 
 of premium, as stated therein, shall be received by said company, or an accredited agent 
 thereof, in the lifetime of the said and a receipt given therefor, signed by the presi- 
 dent or secretary of the company. 
 
BERKSHIRE LIFE POLICY. 
 
 Conditions referred to in this Policy, and upon which it is accepted and held. 
 
 That no agent, or other person, except the president, vice president, secretary or treasurer 
 of the company, has power to extend the time for paying a premium, to issue a permit for 
 residence, travel or occupation, or to bind the company by making any promise; that no 
 representation or information can be received or have effect which is not contained in the 
 application for this Policy. 
 
 That all premiums are due and payable at the home office of the company in Pittsfield, 
 Massachusetts, but will be accepted elsewhere, when duly made in exchange for the com- 
 pany's receipt, signed by the president or secretary. 
 
 That notice that each and every payment is due at the date named in the Policy, is given 
 and accepted by the delivery and acceptance of this Policy, and that any further notice, 
 required by any statute, is hereby expressly waived. 
 
 That the person whose life is insured by this Policy shall not, without the written assent 
 of the company, reside, travel, or visit outside the limits of the United States of America, the 
 Dominion of Canada, Europe and the Bermuda Islands; but may make voyages upon the 
 high seas in first-class vessels, by the usual routes, to and from ports within these limits. 
 
 That the insured shall not, without the consent of the company in writing, engage in 
 blasting, mining, submarine labor, aeronautic travel or excursions, the manufacture, handling 
 or transportation of inflammable or explosive substances, service upon any railroad or any 
 steamboat or other vessel, or in military or naval service of any kind in time of war. 
 
 That the company shall not be held to have notice of any assignment of this Policy until 
 the original, or a duplicate thereof, is filed in the company's home office; that the company 
 will not assume any responsibility for the validity of an assignment, and that before payment 
 of the Policy the claim of an assignee shall be subject to proof of interest. 
 
 That no suit or proceeding shall be brought against the company under this Policy after 
 the expiration of two years from the time when the right of action first accrues. 
 
 That prompt notice of the death of the insured under this Policy shall be given to the 
 company, and formal proofs thereof, in accordance with the rules of the company, shall be 
 furnished within one year after the said death. 
 
 That at the expiration of each period of five years from the date of this Policy, it shall, 
 if then in force, be credited with its share of the distributive surplus of the company, as 
 determined and apportioned by its board of directors. Such share shall be applied by the 
 company in the purchase of additional insurance upon the person whose life is insured by 
 this Policy, payable when the Policy becomes due. This additional insurance may be sur- 
 rendered, and upon due acquittance being made, the cash value thereof will be paid, or it 
 may be applied to the reduction of premiums. If the death of the insured should occur 
 after a distribution of surplus to this Policy, and before the next period of five years has 
 expired, a post mortem dividend will be paid with the Policy. No other distribution of 
 surplus shall be made on account of this Policy. 
 
 PROM BERKSHIRE LIFE APPLICATION. 
 
 The following declaration and agreement must he signed by the person in whose favor the Policy is 
 applied for, and by the person whose life is proposed for insurance: 
 
 It is hereby declared and warranted that all the statements and answers above 
 made are complete and true, and that they, together with this declaration and agreement, 
 constitute an application to THE BERKSHIRE LIFE INSURANCE COMPANY, of Pittsfield, 
 Massachusetts, for a policy of insurance, and are offered as a consideration for the Policy 
 hereby applied for. And it is agreed that there shall be no contract of insurance until a 
 Policy shall have been issued and delivered by the said company, and the first premium 
 thereon paid while the person proposed for insurance is in the same condition of health 
 described in this application, and if said Policy be issued, the declarations, agreements and 
 warranties herein contained shall be a part thereof; and the contract of insurance, when 
 made, shall be held and construed, at all times and places, to have been made and executed 
 in the Commonwealth of Massachusetts. 
 
 It is agreed in any distribution of surplus, the principles and methods which may be 
 adopted by the company for such distribution, and its determination of the amount equitably 
 belonging to such Policy, shall be and are hereby ratified and accepted by and for every 
 person who shall have or claim any interest under said Policy, and that the receipt of the 
 person whose life is insured may be accepted by the company in full surrender of all divi- 
 dend additions to the Policy. It is also agreed that prompt notice of the death of the insured 
 shall be given to the company, and formal proofs thereof, in accordance with the rules of 
 the company, shall be furnished within one year after the said death. 
 
CONNECTICUT MUTUAL POLICY. 
 
 This Policy is issued and accepted upon the following express conditions and agreements: 
 
 1st.— That this contract of insurauce is wholly expressed and contained in this Policy and 
 the application therefor, which is the basis of and a part of said contract, and a copy whereof 
 is hereto annexed, and the several answers, warranties and agreements therein contained. 
 
 '2d.— That this Policy shall not be in force and binding on this company nntil the advance 
 premium hereon shall have been actually paid during the lifetime of the insured; and that if 
 any subsequent premium, or installment of premium, on this Policy be not paid when due, 
 then this Policy shall cease and determine and become and be null and void, except as here- 
 inbefore provided after the payment of three or more annual premiums, and that no premium 
 on this Policy shall be considered as paid unless a receipt shall be given therefor, signed by 
 the president or secretary of the company, and such receipt is the sole evidence of the author- 
 ity of any agent to receive any premium on account of this Policy; and that all premiums or 
 other payments on account of this Policy are payable at the office of the company in Hart- 
 ford, Conn., and not elsewhere; but for convenience of the person paying the same, such 
 receipt may be sent to any agent or correspondent of the company for collection, and payment 
 to such agent or correspondent shall be held to have been made at said office of the company. 
 
 3d.— That the following risks are not assumed by this company under this contract: 
 
 Death while residing or being, or from any disease contracted while residing or being, 
 outside the Temperate Zones, or in that part of Asia between the fortieth and one hundred 
 and tenth meridians of longitude east from Greenwich; or, between the first daj 1 " of June and 
 the first day of the following November, within one hundred and fifty miles of the Gulfs of 
 Mexico and California, or between the forty-second parallel of north latitude and the Tropic 
 of Cancer in the Eastern Hemisphere, without the consent of the company previously given 
 in writing: 
 
 Death while personally engaged or employed, or from any accident or injury received 
 while engaged or employed, in making any aeronautic voyage or excursion, or in blasting, 
 mining, or in any submarine operations, or in the manufacture, handling, use, custody, or 
 transportation of highly inflammable or explosive substances, or upon service on any ocean, 
 sea, sound, inlet, river, lake, or railroad, or in any military or naval service whatsoever in time 
 of war, whether voluntary or otherwise, or as a member of any paid fire department, without 
 the consent of this company previously given in writing: 
 
 Death in consequence of a duel, or in the violation of law, or in consequence thereof, or 
 after conviction of felony ; 
 
 The self-destruction of the insured, in any form, except upon proof that the same is the 
 direct result of disease or of accident occurring without the voluntary act of the insured: 
 
 Death in a state of drunkenness, or from any accident or violence received while in that 
 state, or from any disease produced by or resulting from the occasional or habitual use of al- 
 cholic or narcotic stimulants; and when there shall have been delirium tremens, or any 
 injury to or impairment of the health from such use, this Policy shall thereupon and thereby 
 be wholly forfeited and terminated: 
 
 In each and every of the foregoing cases this Policy shall become and be null and void; 
 but the company will, upon surrender and satisfactory release hereof within one year there- 
 after, return to the assured the then net reserve upon this Policy, computed upon the Ameri- 
 can Table of mortality and three per centum compound interest. 
 
 4th.— That in every case in which this Policy shall cease and determine or shall become 
 and be null and void, all premiums paid and moneys or credits held on account of the same 
 shall be forfeited to this company, except as hereinbefore provided. 
 
 5th.— That no assignment of this Policy shall be valid unless made in writing endorsed 
 hereon; and any claim against this company, arising under this Policy, made by any assignee, 
 shall be subject to satisfactory proof of interest in the life insured, in due form, and to any 
 breach of the conditions of this contract by any of the parties hereto, whether such breach 
 exist prior or subsequent to any such assignment; and such proof of interest shall be a con- 
 dition precedent to any right of action on this contract by or on behalf of such assignee; and 
 this company shall in no case be responsible for the validity of any assignment. 
 
 6th. — That agents of the company have no power or authority to make, alter, change, or 
 modify any of the terms, conditions, or agreements of this Policy, or to waive forfeitures 
 thereof: and that no alteration, change, modification, waiver or subsequent agreement what- 
 ever respecting this Policy shall be binding on said company unless made in writing signed 
 by the executive officers thereof. 
 
 FKOM CONNECTICUT MUTUAL APPLICATION. 
 
 IT is hereby declared and warranted that the above are in all respects fair and 
 true answers to the foregoing questions; and it is agreed by the undersigned that this appli- 
 cation and the several answers, warranties and agreements herein contained shall be the basis 
 of, a part of the consideration for, and a part of the contract of insurance, and that no state- 
 ment or declaration made to any agent, solicitor, canvasser, examiner, or anyother person, 
 and not contained in this application, shall be taken or considered as having been made to, or 
 brought to the notice or knowledge of the company, or as charging it with any liability by 
 reason thereof; and that if there be, in any of the answers herein made, any fraud, untruth, 
 evasion, or concealment of facts, then any policy granted upon this application shall be null 
 and void, and all payments made thereon shall be forfeited to the company. It is agreed that 
 the policy hereby applied for shall, if granted, be held to be issued and delivered at Hartford, 
 in the State of Connecticut, and shall be in all respects construed and determined in accor- 
 dance with the laws of that State ; and that the provisions in said Policy for its continuance as 
 paid-up insurance for a specified amount in case of failure to pay premiums, are and shall 
 be in substitution for and in waiver of the rights of all parties nereto under any law of any 
 state relating to the lapse of forfeiture of policies of life insurance. 
 
EQUITABLE (OF NEW YORK) FREE TONTINE POLICY. 
 Provisions and requirements referred lo in this Policy. 
 
 1. That, this Policy is issued under the Free Tontine Plan, the particulars of which are as 
 follows: 
 
 2. That the Tontine Dividend Period for this Policy shall be completed on the day 
 
 of in the year. 
 
 3. That no dividend shall he allowed or paid upon this Policy unless the person whose 
 life is hereby assured shall survive the completion of its Tontine Dividend Period as afore- 
 said, and unless this Policy shall be then in force. 
 
 4. That all surplus or profits derived from such Policies on the Free Tontine Plan, as 
 shall not be in force at the date of the completion of their respective Tontine Dividend 
 Periods, shall be apportioned equitably among such Policies as shall complete their Tontine 
 Dividend Periods. 
 
 5. That upon the completion of the Tontine Dividend Period on provided this 
 
 Policy shall not have been terminated previously by lapse or death, the said shall 
 
 have the privilege cf the following options: Either, first, to withdraw in cash this Policy's 
 
 entire share of the assets, i. e., the accumulated reserve, which shall be d liars, and 
 
 in addition thereto the surplus apportioned by this society to this Policy; second, to surrender 
 the Policy for a life annuity; third, to withdraw in cash the share of the accumulated surplus 
 apportioned by said society to this Policy, and continue the Policy in force as a paid-up 
 Policy; fourth, to continue the assurance for the original amount and apply the entire Ton- 
 tine Dividend to the purchase of an annuity, the amount of which annuity, together with 
 
 the annual dividend, if any, on this Policy shall be paid in cash to said or assigns; 
 
 or fifth, to surrender the Policy for its entire value in paid-up assurance on which no further 
 payments or premiums will be required. As, however, the amount of this paid-up assurance 
 will exceed the amount of the original Policy, a satisfactory certificate of good health will be 
 required from one of the medical examiners appointed by the society as a condition of its 
 issue. If either the entire value or surplus be taken in cash, payment shall be made to 
 the said and his receipt shall be a valid release to the society. 
 
 6. In consideration of the agreement, as contained in the application for this Policy, the 
 dividend declared at the termination of the Tontine Dividend Period, and thereafter if this 
 Policy shall remain in force, shall be based entirely upon the experience of the society upon 
 Free Tontine Policies. 
 
 7. For one year after the date of issue of this Policy, travel and residence by the person 
 upon whose death this contract matures, in Mexico and in all portions of the Torrid Zone, 
 and engagement in any of the following occupations or employments: Blasting, mining, 
 submarine labor, seronautic ascensions, the manufacture, handling or transportation of 
 inflammable or explosive substances, service upon any railroad train, or in switching, or in 
 coupling cars, or on any steamboat, or other vessel or boat, or military or naval service (the 
 militia in time of peace excepted), will render this Policy void. 
 
 8. Under this Policy, after one year from its register date of issue, there are no restrictions 
 upon travel, residence or occupation, except service in war. In case of death from service in 
 war, the net reserve of this Policy (computed according to the American Experience Table of 
 Mortality, taking interest at four per centum per annum,) will be paid. 
 
 9. Self-destruction, sane or insane, and death in consequence of a duel or of the viola- 
 tion of law. within one year from the date hereof, are not risks assumed by ihe society in this 
 contract. 
 
 10. All premiums are due in the City of New York, at the date named in the Policy, hut, 
 at the pleasure of the society, suitable persons may be authorized to receive such payments 
 at other places, hut only on the production of the society's receipt therefor, signed by the 
 president, vice president, actuary, secretary or assistant secretary, and countersigned by the 
 person to whom the payment is made. No payment made to any person except in exchange 
 for such receipt will be recognized by the society. All premiums are considered payable 
 annually in advance. When the premium is made payable in semi-annual or quarterly 
 installments, that part of the year's premium, if any, which remains unpaid at the maturity 
 of this contract, shall be regarded as an indebtedness to the society on account of this con- 
 tract, and shall be deducted from the amount of the claim ; and if any premium or install- 
 ment of a premium on this Policy shall not be paid when due, this Policy shall be void; and 
 no credit for surplus accumulated on this Policy shall be deemed applicable to the payment 
 of any premium; nevertheless, nothing herein shall be construed to deprive the holder of 
 this Policy of the privilege to demand and receive paid-up insurance in accordance with the 
 agreement contained in this Policy. 
 
 11. The contract between the parties hereto is completely set forth in this Policy, and the 
 application therefor, taken together, and none of its terms can be modified, nor any forfeiture 
 under it waived, except by an agreement in writing, signed by the president, vice president, 
 actuary, secretary or assistant secretary of the society, whose authority for this purpose will 
 not be delegated. 
 
 12. If any statement made in the application for this Policy be in any respect untrue, 
 this Policy shall be void ; provided, however, that discovery of the same must be made by the 
 said society, and notice thereof given to the person whose life is hereby assured, within two 
 years from the date hereof. Whenever this Policy becomes void, all payments which shall 
 have been made to the society on account of this contract shall belong to and be retained by 
 the society. 
 
 lu 
 
13. The age of the person upon whose death this contract matures will be admitted by 
 the society on due proof, but if not so admitted, proofs of age must be submitted with proofs 
 of death, and the amount of insurance payable under this Policy at its maturity shall in no 
 ca*e be more than the premium charged would have purchased by the society's rates in use at 
 the register date hereof for such person's true age. If the person, at the termination of 
 whose life this contract matures, should die more than two years after the register date 
 hereof, then the amount assured shall become due immediately (and not sixty days) after 
 notice and the proper proofs of the death shall have been furnished to the society, at its 
 office in the City of New York. 
 
 FROM EQUITABLE (OF NEW YORK) APPLICATION. 
 
 I certify that I am temperate in my habits, and am, to the best of my knowledge and 
 belief, in sound physical condition, and a satisfactory subject for life insurance. 
 
 ******* ****** 
 
 Is it agreed that in consideration of the agreement contained in the Policy applied for as 
 to paid-up assurance upon surrender, all right or claim to any other surrender value than 
 that provided in the Policy shall be specifically waived and relinquished, whether required 
 by the statute of any State or not ? 
 
 ************* 
 It is hereby agreed: That all the foregoing statements and answers, as well as those 
 made, or to be made, to the society's medical examiner, are warranted to be true, and are 
 offered to the society as a consideration of the contract, which shall not take effect until the 
 first premium shall have been paid during the life and good health of the person herein pro- 
 posed for assurance. 
 
 11 
 
GBRMANIA LIFE POLICY. 
 
 Conditions and agreements of this insurance. 
 
 This Policy shall cease and be null, void and of no effect; and the company shall not be 
 liable for the payment of the sum assured, or any part thereof, but all premiums previously 
 paid shall be the absolute property of the company, without any account whatever to be ren- 
 dered therefor: 
 
 If the premiums mentioned within, or any of them, shall not be paid on or before noon of 
 the several days stipulated for the payment thereof respectively, or within three days thereof 
 respectively (agents holding an appointment from the company are authorized to receive pre- 
 miums at or before the time when due, only upon production and delivery of the receipt of 
 the secretary of the company, but not to make, alter or discharge contracts or waive for- 
 feitures) ; 
 
 If the assured shall enter into any service in war ; but in case of death in, or in conse- 
 quence of, such service after three or more full years' premiums shall have been paid, the net 
 reserve of this Policy (computed according to the Actuaries' Table of Mortality, with interest 
 at four per centum per annum) will be paid ; 
 
 If within three years from the date hereof, the said assured shall visit, between the first 
 day of July and the first day of November, those parts of the United States which lie south of 
 Virginia, Kentucky, Missouri and Kansas; or pass beyond the limits of the United States, ex- 
 cepting into the territory lying in America north of the United States; or enter upon a voy- 
 age upon the high seas, except coastwise within the same latitudes and between the same 
 days of the years, within and between which the said assured is at liberty to be or reside by 
 the terms of this Policy ; but permission is hereby given to the said assured to travel at any 
 time between those ports of the United States in which he or she is at liberty to be by the 
 terms of this Policy, and the ports of Europe, and to travel and reside in Europe ; 
 
 If within three years from the date hereof, the said assured shall enter upon service on 
 any sea, sound, inlet, river, lake or railroad, as a mariner, engineer, fireman, conductor or 
 laborer in any capacity; or, in the manufacture, handling or transportation of inflammable 
 or explosive substances; or, in submarine operations or mining; 
 
 If within three years from the date hereof, the said assured shall die by suicide, or by his 
 or her own hand, or in consequence of an attempt to commit suicide, or to take his or her 
 own life, whether sane or insane at the time; 
 
 If within three years from the date hereof, the company discover and give notice to the 
 said assured of the untruth in any respect of the representations made in the application for 
 this Policy, upon the faith of which this contract is made. 
 
 It is agreed by the said assured, that written notice shall be given to the company of any 
 assignment of this Policy. 
 
 It is also agreed, that this contract shall become valid only by delivery of this Policy, and 
 upon payment of the first premium due, during the continued good health of the said 
 
 FROM GERMANIA LIFE APPLICATION. 
 
 The following Declaration and Agreement must be signed by the person in whose favor a Policy is 
 applied for, and by ih^. person ivhose life is proposed for Insurance: 
 
 It is hereby declared and agreed, that all the statements and answers to the 
 printed questions written above, which, together with this declaration and agreement, con- 
 stitute an application to THE GERMANIA LIFE INSURANCE COMPANY OF NEW YORK, 
 for an insurance of dollars upon the life of are offered to the said com- 
 pany as a consideration of the contract applied for; each of which statements and answers, 
 whether written by his or her own hand or not, every person whose name is hereto subscribed 
 adopts as his or her own, admits to be material, and warrants to be full, complete and true, 
 and to be the only statements given to the company in reply to its inquiries, and upon which 
 should the insurance applied for be granted, the company's contract will be founded. And 
 this application is submitted to the said company, with the following express covenants and 
 agreements : 1. That it will constitute no contract of insurance until a Policy shall first have 
 been issued and delivered by the said company, and the first premium thereon actually paid, 
 during the continuance of the life proposed for insurance, in the same condition of health as 
 described in the application ; 2. That if the insurance applied for be granted by the company, 
 the Policy, if accepted, will be accepted subject to all the conditions and stipulations con- 
 tained in the Policy, and that the entire contract contained in the said Policy and in this 
 application taken together shall be construed and interpreted, as a whole, and in each of its 
 parts and obligations, according to the charter of the said company and the laws of the State 
 of New York, the place of the contract being expressly agreed to be the principal office of the 
 said company in the city of New York; 3. That in any distribution of surplus, the principles 
 and methods which may be adopted by the company for such distribution, and its determin- 
 ation of the amount equitably belonging to such Policy, shall be and are hereby ratified and 
 accepted by and for every person who shall have or claim any interest under the contract now 
 proposed ; 4. That if such Policy shall lapse by non-payment of premium, after having been 
 in force three full years, the reserve thereon shall be applied, on demand made, with surren- 
 der of the Policy within six months after such lapse, to purchase non-participating paid-up 
 insurance, payable at the same time and under the same conditions as such original Policy, 
 for the amount prescribed by the law of the State of New York. 
 
 12 
 
HOME LIFE POLICY. 
 
 Provided always, and it is hereby declared to be the true intent and meaning of this Policy, and the 
 same is granted by this company, and accepted by the said upon these express conditions: 
 
 That if the statements made by or for contained in the application bearing date the 
 
 day of 1SS..., upon the faith of which this Policy is made (which statements 
 
 makes own and warrants to be full, correct and true), or any part thereof, shall be found 
 
 untrue, incomplete or deceptive in any respect; or in case the said shall not actually 
 
 pay the first premium as aforesaid, before the delivery of this Policy, and while the said 
 is in good health, or shall not pay or cause to be paid to this company the prem- 
 ium as aforesaid, at its office in the City of New York, on or before the day or days before 
 mentioned, at 12 o'clock noon, in each and every year during the continuance of this Policy. 
 
 Or in case the said shall, without the written consent of this company, pre- 
 viously obtained, engage in any of the following occupations or employments, to-wit: Blast- 
 ing, mining, submarine labor, aeronautic travel, the manufacture, handling or transportation 
 of inflammable or explosive substances, service upon any railroad, steamboat or other vessel 
 or boat, military or naval service whatsoever (the militia not in actual service excepted); 
 
 or shall die in consequence of a duel, or of the violation of law, then, and in every 
 
 such case, the said company shall not be liable for the payment of the sum assured, or any 
 part thereof, and this Policy shall cease, and be null, void and of no effect. 
 
 And also, that in case the death of the said shall result from own act, sane 
 
 or insane, within three years from the date of this contract, this company shall only be liable 
 for the net reserve on this Policy, computed according to the legal standard of the State of 
 New York. 
 
 And also, that no statements, promises or conditions, made by any agent or solicitor, nor 
 any statements or information made or communicated to any agent or solicitor other than 
 such as are reduced to writing in the application for this Policy, shall in any manner change 
 or qualify any of the provisions or warranties of this contract, and also that the party hereby 
 assured acknowledges receipt of the notice printed on the margin of this Policy. 
 
 And it is further stipulated and agreed, by and between the parties hereto, that each and 
 every dividend of profits which may be made on this Policy shall be applied toward the 
 payment of the accruing premium thereon, as the same shall fall due, or may be applied to 
 
 increase the amount insured under this Policy, provided that the said shall furnish 
 
 this company satisfactory evidence that is in sound and unimpaired health at each period 
 
 that he shall request the dividend to be so applied. 
 
 And also, that if this Policy shall, after the full amount of three annual premiums have 
 been paid, by its terms lapse or become forfeited for the non-payment of any subsequent 
 premium, this company will issue a Paid-up Non-participating Policy for such an amount as 
 the reserve upon this Policy at the time of forfeiture, according to the legal standard of the 
 State of New York, after deducting any indebtedness to this company under this contract, will 
 purchase as a single premium at the published rates of this company, at the then age of the 
 
 said...-. provided, that this Policy shall be surrendered to this company at its office in 
 
 the City of New York within six months after said forfeiture. 
 
 All premiums are due and payable at the office of the company, in the City of New York, 
 on the day or days named in this Policy, but the same may be received elsewhere, at the 
 option of the company, but no agent of this company, or any other person, is authorized to 
 receive such payment, except upon the production of a receipt therefor, signed by the presi- 
 dent or secretary. 
 
 Notice is given and acknowledged that each and every such payment is due at the date 
 named in this Policy, by the delivery and acceptance of it, and any further notice or notices 
 required by any statute is hereby expressly waived. 
 
 FROM HOME LIFE APPLICATION. 
 
 The undersigned does hereby covenant and agree, to and with the HOME 
 LIFE INSURANCE COMPANY, in consideration of the issuing of the Policy of assurance 
 herein applied for, that the preceding answers given to the annexed questions, and the 
 accompanying statements and this declaration shall be the basis and form part of the contract 
 or Policy which may be granted on this application ; that the said answers are warranted to 
 be full, correct and true; and that no circumstance is concealed, withheld or unmentioned in 
 relation to the past or present state of the health, habits of life, occupation or condition of 
 the said party whose life is to be insured, which can render an insurance on h...life more than 
 usually hazardous or affect unfavorably h...prospects of life; and also that the assurance 
 hereby proposed shall not be binding on said company until the premium thereon shall have 
 
 been received by said company in the lifetime of the said and that it shall not 
 
 continue in force in case of default of payment of any note or notes which may be given in 
 part payment of the premiums thereon. And it is further covenanted and agreed that no state- 
 ments, promises or conditions made by the agent taking this application, nor any statements 
 or information made or communicated to said agent, other than such as are reduced to 
 writing herein, shall in any manner be binding upon said company. And it is furtlier agreed 
 that if the foregoing answers and statements be not in all respects full, true and correct, or if 
 tb.3 premium shall not be promptly paid when due, or if the party whose life is insured shall 
 
die uy his or her own hand or agency, when sane or insane, within three years from date of 
 said Policy, or by the hand or agency of the undersigned, the said Policy shall be void, and 
 all moneys which may have been paid on account thereof shall be forfeited to said company. 
 And also, it is furtlier agreed, that if any Policy issued under this application shall, after the 
 full amount of three annual premiums have been paid, by its terms lapse or become forfeited 
 for the non-payment of any subsequent premium, this company will issue a Paid-up Non- 
 Participating Policy for such an amount as the reserve upon this Policy at the time of for- 
 feiture, according to the legal standard of the State of New York, after deducting any 
 indebtedness to this company, under this contract, will purchase as a single premium at the 
 
 published rates of this company at the then age of the said provided, that this 
 
 Policy shall be surrendered to this company at its office, in the City of New York, within six 
 months after said forfeiture. And it is further stipulated and agreed by and between the parties 
 hereto that each and every dividend of profits which may be made on this Policy shall be 
 retained by the company, and shall be applied to the purchase of simple endowments in 
 
 favor of the holder hereof, which shall mature and be payable only at the expiration of 
 
 years from the date hereof, at which time the accumulations shall be payable in cash, or, if 
 preferred, in additional insurance (if the insured is in sound health), or in the purchase of 
 an annuity, or the company will pay for its surrender and cancellation, in addition to the 
 accumulation from dividends, the full amount of the legal reserve according to the present standard 
 of the State of New York, but only on condition that all the premiums hereon are paid as 
 hereinbefore provided, and this Policy remains in force at that date. 
 
 14 
 
JOHN HANCOCK POLICY. 
 
 This Policy is made and accepted upon the following conditions: 
 
 i If the said insured (except as herein permitted) shall pass beyond the limits of the United 
 States, or approach within fifty miles of the Atlantic Ocean south of Fortress Monroe, of the 
 Gulf of Mexico, of the Mississippi River south of Cairc> Illinois, or of the Red River, in the Pj 
 State of Arkansas; or enter into any military or naval service (the militia not in actual service 
 excepted); or shall be personally employed in any mine, or manufactory of explosive or 
 highly inflammable materials; or on any railroad as brakeman or switchman, without the 
 consent of this company, previously given in writing; or if any of the statements made in 
 the application for this Policy, which is made a part hereof, are in any respect untrue ; pro- 
 vided, such misrepresentation is made with actual intent to deceive and the matter misrepre- 
 tented increases the risk of loss; then this Policy shall be null and void. 
 
 The said insured has liberty to go on any voyage by water along the coast of the United 
 States, Nova Scotia or New Brunswick, between the United States and Europe, and between 
 the United States and Cuba; to travel in any part of the United States, except where yellow 
 fever may be prevailing; to reside in Cuba between the first of December and first of April, 
 and to reside and travel indefinitely in Europe. Turkey, Egypt, the Dominion of Canada and 
 Newfoundland. 
 
 It is further agreed that after this Policy shall have been in force for three full years, the 
 liability of this company under the same shall not be contested, provided that the premiums 
 shall be paid as stipulated herein, and that the provisions of this Policy as to residence, travel 
 and occupation shall be complied with ; but if tbe age of the insured is not correctly stated in 
 the application, no greater sum will be paid hereunder than the amount that the premiums 
 paid hereon would have purchased at the rate in use at the date of this Policy for the true 
 age of the insured. 
 
 Said company shall have a right to set off any demand it shall have against the other 
 parties to this contract, or either of them, their assigns or representatives, against any claim 
 hereon. 
 
 This Policy shall not take effect until the advance premium hereon shall have been paid, 
 during the lifetime and good health of the insured, as per first premium receipt accompany- 
 ing this Policy. 
 
 No suit shall be brought against said company on any claim under this Policy, unless said 
 snit is commenced within two years from the time when the right of action accrues. Any 
 assignment of this Policy shall be void unless assented to in writing by the secretary of said 
 company; and the claim of any assignee shall be subject to proof of interest. No person, 
 except the president or secretary, is authorized to make, alter or discharge contracts, or waive 
 forfeitures. This contract is made and to be performed in the Commonwealth of Massa- 
 chusetts. 
 
 If any premium or installment thereof on this Policy shall not be paid on or before the 
 day when due, this Policy shall thereupon become forfeited and void, except as provided by 
 Section 76 of the "Massachusetts Insurance Act of eighteen hundred and eighty-seven," 
 which section is printed on the back of this Policy. 
 
 FROM JOHN HANCOCK APPLICATION. 
 
 1 hereby declare that I have given true answers to all the questions put to me by the 
 medical examiner, and that I am the same person described in the accompanying application. 
 
 Application is hereby made to the JOHN HANCOCK MUTUAL LIFE INSURANCE 
 
 COMPANY for insurance on the life of of County of State of to the 
 
 amount dollars ($ ), for the term of and with that view, and as the 
 
 basis of such insurance, I make the following statements, including those made to the medi- 
 cal examiner, which, it is hereby mutually agreed, shall form a part of the contract for this 
 insurance. 
 
 15 
 
MANHATTAN LIFE POLICY. 
 
 Upon the following conditions: 
 
 1. If any statement made in the application be in any respect untrue, or if any premium 
 or interest on any note given on account of a premium be not paid when due, or if the in- 
 sured die in consequence of any violation of law, or if he engage in any naval or military ser- 
 vice except in the militia not in actual service, this Policy shall be void and all payments 
 made upon it shall be forfeited to the company : except, after being in force three full years, 
 this Policy shall be incontestable for any misstatement in the application except as to age, 
 and if it should lapse or become forfeited for the non-payment of any premium or interest on 
 any note given on account of a premium, the company will, upon the surrender of this Policy 
 within six months after such lapse, issue a non-participating paid-up Policy for such sum as 
 the legal net reserve on this Policy, at the time of lapsing, will purchase as a single premium at 
 the company's present published rates. 
 
 2. Proof of death shall be furnished to the company within two years after death, and 
 shall contain full answers under oath to the questions in the company's blanks, and no suit 
 shall be brought against the company on this Policy after two years from the time when the 
 cause of action accrues. 
 
 3. No provision of this contract can be changed or waived except by a written agreement 
 igned by the president or secretary of the company. 
 
 FROM MANHATTAN LIFE APPLICATION. 
 
 And it is hereby warranted that the above statements and answers are full, complete and 
 true in every particular, and they are offered as a consideration for the insurance applied for, 
 but it is agreed that there shall be no contract of insurance until a policy shall be issued by 
 the company, and accepted, subject to the stipulations and conditions therein contained dur- 
 ing the good health of the person to be insured. And it is hereby agreed that if a Policy shall 
 be issued and after being in force for three full years, shall lapse, or become forfeited for non 
 payment of any premium, or of interest on a note given on account of a premium, the com- 
 pany may, in consideration of the legal net reserve on the Policy at the time of lapsing, taken 
 as a single premium, at the company's present published rates, issue a non-participating paid- 
 up Policy, if demand be made, and the original Policy surrendered, within six months after 
 such lapse, but if such demand and surrender be not made, all payments made on account of 
 said Policy shall be forfeited to the company. 
 
 16 
 
MASSACHUSETTS MUTUAL POLICY. 
 
 This Policy is issued and accepted upon ihe following conditions: 
 
 1. That the contract between the parties hereto is completely set forth in this Policy, and 
 the application therefor, taken together, and none of its terms can he modified, nor any for- 
 feiture under it waived, except by an agreement in writing, signed by the president or secre- 
 tary, whose authority for this purpose will not be delegated. 
 
 2. That the conditions respecting residence, travel and occupation or employment, pre- 
 scribed on the back of this Policy, which are hereby referred to, and made a part hereof, shall 
 not be Transgressed without the written consent of the president or secretary of the company. 
 
 3. That this Policy is entitled to share in such distributions of surplus funds as the com- 
 pany may, from time to time, make, according to the methods and rules adopted by the direc- 
 tors ; provided, that in case this Policy shall become paid-up for an amount less than one hun- 
 dred dollars, it shall not be entitled to share in any such distributions. 
 
 4. That any assignment of this Policy, or of any interest therein, shall be void without 
 the assent, in writing, of the president or secretary of the company, but such assent, if given, 
 shall not be construed as guaranteeing the validity of any assignment. 
 
 5. That if the insured shall die by suicide, or by his (or her) own hand or act, sane or in- 
 sane, at any time during the first three years of the continuance of this contract, the company 
 shall be liable only for the net reserve held against this Policy, reckoned according to the 
 legal standard of Massachusetts. 
 
 6. That if premiums are paid otherwise than wholly in cash, annually in advance, the 
 remainder of the year's premium, and any obligation given for premium, shall always be an 
 indebtedness against the Policy: that no insurance shall take effect under this Policy until 
 the first premium hereby required is paid during the lifetime and continued good health of 
 the insured ; that all premiums are payable to the company, at its said office in Springfield, 
 but will be accepted elsewhere when duly made in exchange for the company's receipt, signed 
 by the president or secretary, and such a receipt shall be the only evidence of the payment of 
 any premium, or interest on any premium obligation; that a failure to pay any premium, or 
 interest on any premium obligation, at or before the time when due, or a violation of any of 
 the conditions of this contract, or any untrue statement in the application for this Policy, or 
 the death of the insured in consequence of the commission of crime or the violation of law by 
 him (or her), shall render this Policy void, and no claim shall exist for return of premiums or 
 for share of surplus funds, and the company shall be released from all liability except such 
 as may be imposed by the laws of Massachusetts at the date hereof. 
 
 7. That in case of death no claim shall exist under this Policy, unless proof of the death 
 is furnished to the company, in such form as it shall require, at its said office, within two 
 years after the death of the insured, and no action shall be brought under this contract after 
 two years from the time when the right of action accrues. 
 
 Conditions respecting residence, travel and occupation or employment, referred to in this 
 policy: 
 
 1. The insured shall reside in the United States of America, the Dominion of Canada, in 
 Cuba, or in Europe; but shall not, during the months of July, August, September and Octo- 
 ber, reside in Cuba, or in those parts of the United States which are south of the thirty-sixth 
 degree of north latitude and are either within one hundred miles of the Atlantic Ocean or the 
 Gulf of Mexico or within fifty miles of the Mississippi or Ked River. 
 
 2. The insured shall, during the first two years of the continuance of this Policy, travel 
 only in those places and countries in which continuous residence is permitted by the first 
 paragraph of these conditions, or from one such place or country to another and without re- 
 maining (during the months of July, August, September and October) more than ten days in 
 any one city or town where continuous residence is not permitted. 
 
 3. The insured shall have the right, after this Policy has been in force two years, to travel 
 for business or pleasure without restriction, provided that nothing in this paragraph shall be 
 construed as permitting him (or her) to engage in any occupation or employment prohibited 
 by the fourth paragraph of these conditions. 
 
 4. The insured shall not engage in blasting, mining, subterranean or submarine labor, 
 aeronautic travel or excursions ; the manufacture, handling or transportation of gun powder, 
 nitro-glycerine, or other explosive material; services upon any railroad train, steamboat or 
 other vessel or boat ; military or naval service of any kind in time of war. 
 
 MASSACHUSETTS MUTUAL FIVE-YEAR DIVIDEND POLICY. 
 
 Conditions, Provisions, Requirements and Benefits. 
 Payment of Premiums.— Each premium is due and payable at the home office of the 
 company, but will be accepted elsewhere when duly made in exchange for the company's 
 receipt, signed by the president or secretary. Notice that each and every such payment is 
 due at the date named in the Policy is given and accepted by the delivery and acceptance of 
 this Policy, and any further notice required by any statute is expressly waived. That part of 
 the year's premium, if any, not due and unpaid at the maturity of this contract, and any obliga- 
 tion given for premium shall be deducted from the amount of the claim. If this Policy shall 
 become void by non-payment of premium, all payments previously made shall be forfeited to 
 the company, and no claim shall exist under it except such, if any, as is imposed by the laws of 
 the Commonwealth of Massachusetts. No insurance shall take effect under this Policy until 
 the first premium is paid during the life time and continued good health of the person pro" 
 posed for insurance. 
 
 17 
 
Residence, Travel and Occupation" ok Employment.— During the first two years 
 of this Policy the insured shall travel and reside only in the United States of America, the 
 Dominion of Canada and Europe, and shall not during its continuance engage in blasting, 
 mining, subterranean or submarine labor, the manufacture or transportation of gunpowder, 
 nitro-glycerine, or other explosive material ; services upon any railroad train, steamboat or 
 other vessel or boat ; and military or naval service of any kind, in time of war, without the 
 written consent of the president or secretary of the company. 
 
 SUICIDE.— If the insured shall die by his (or her) own hand or act. sane or insane, at any 
 time during the first two years of the continuance of this contract, the company shall be 
 
 I liable only for the net reserve held against this Policy, reckoned according to the legal stand- 
 
 j ard of Massachusetts. 
 
 Dividends.— No dividend from the surplus of the company will be appropriated to. 
 or payable on account of. this Policy until the expiration of five years from the date of its 
 issue, and the payment of the premium then due for the next succeeding year. Nor will any 
 dividend be appropriated to, or paid upon, this Policy if, under the provisions of Chapter 110 
 of the Public Statutes of Massachusetts, it becomes a Policy for paid-up insurance by reason 
 of failure to pay premium due at any time during the first five years from the date of the 
 Policy. 
 
 Proofs. — In case of death no claim shall exist under this Policy, unless proof of the 
 death is furnished to the company, in such form as it shall require, at its said office, within \ 
 two years after the death of the insured, and no action shall be brought under this contract | 
 after two years from the time when the right of action accrues. 
 
 Powers of Agents.— Xo agent has power on behalf of the company to make or modify 
 this or any contract of insurance, to extend the time for paying a premium, or to bind the 
 company by making any promise, or by receiving any representation or information not con- 
 
 i tained in the application for this Policy. 
 
 IAssign'mexts.— The company declines to notice any assignment of this Policy until the 
 original or a duplicate or certified copy thereof shall be filed in the company's home office. 
 The company will not assume any responsibility for the validity of an assignment. 
 
 FKOM MASSACHUSETTS MUTUAL APPLICATION. 
 
 It is hereby agreed that the foregoing statements are true, and that no insurance shall be 
 in force until the acceptance of this application by the company, the delivery of the Policy to 
 the insured or his agent, and the payment of the first premium as stated in the Policy, except 
 as provided in such conditional receipt as may be given to the insured by the agent of the 
 company, in case the insured shall answer the question in Item 20 in the affirmative. 
 
 18 
 
MICHIGAN MUTUAL LIFE ENDOWMENT POLICY. 
 
 This Policy is issued, and the same is accepted by the Insured, on the following conditions: 
 
 1. The annual premium of., dollars and cents, shall he paid in advance 
 
 to the company at its home office in the city of Detroit, or to its authorized agents, on the 
 
 delivery of this Policy, and thereafter before twelve o'clock noon on the day of 
 
 in every year during the continuance of this contract. This Policy shall not take effect unless 
 the first premium is paid, or a note accepted therefor, nor unless the insured is in good health 
 at the time of the delivery of the Policy. 
 
 2. This Policy is subject to the limitations as to travel and residence, and occupation 
 named on the hack hereof, and the same are made a part of this contract. This company 
 does not insure against death in consequence of the violation of the law of any state or coun- 
 try, nor against death cansed by the insured's own hand, unless on proof that such death 
 resulted from accident or from insanity produced by disease and without the voluntary act 
 of the insured. In case of the violation of any of these provisions, or if the statements in the 
 application shall be found in any respect untrue, then this Policy shall be void and all pay- 
 ments shall be forfeited to the company: except as herein provided, that after three years from 
 the date of this Policy, and the payment in cash of three years' premiums, the liability of the 
 company shall not be disputed because the death of the insured was caused by his own act, 
 or because of any misrepresentations in the application not wilful, save that if the age of. the 
 insured is unders rated the company shall be only liable for such an amount as the premiums 
 received would have paid for at the rates charged by the company at this date for persons at 
 the insured's real age. 
 
 3. If the premiums are not paid as provided herein, then in every such case the company 
 shall not be liable for the payment of the sum insured, and this Policy shall cease and deter- 
 mine ; excepting only, that after due payment of premiums on this Policy for three or more full 
 years, it will he valid as a paid-up non-participating Policy on the life of the said insured, 
 
 payable as above provided, for as many parts of the whole amount hereby assured as 
 
 there shall have been complete annual premiums paid, or after payment of three or more full 
 years' premiums, the cash value thereof will be paid as expressed, and in accordance with the 
 agreement on the back of this Policy. 
 
 4. If the first or any subsequent premium on this Policy shall be settled wholly or in 
 part by note or other obligation, whether of the beneficiary, the insured or any third party, 
 such settlement shall not be deemed a payment, but only an extension of the time for the pay- 
 ment of such premiums, and if such note or other obligation, or any renewal thereof shall 
 not be fully paid when due, then for any loss occurring while such note or other obligation 
 remains due and unpaid, the company shall not be liable, but the whole amount of the pre- 
 mium included in such note or other obligation shall be considered as earned, and the com- 
 pany may collect the same. 
 
 5. If this Policy is assigned or held as security, written notice shall be given to the com- 
 pany, and proof of interest produced with proof of death. The company will take no respon- 
 sibility as to the validity of any assignment. 
 
 6. No agent has power to change the terms of this contract, nor to extend the time for the 
 payment of any premium. When a note is given for extension of time it shall be subject to 
 the approval of the company. 
 
 7. No suit arising out of this contract shall be begun more than one year after the death 
 of the insured. 
 
 PROVISIONS AND REQUIREMENTS REFERRED TO IN THIS POLICY. 
 
 As Regards Traveling.— First. The person whose life is hereby insured, shall not 
 pass south of the 34th parallel of north latitude, between the first days of July and November, 
 in any year. 
 
 Second. He shall not enter upon a voyage on the high seas, excepting to pass as passen- 
 ger on first-class vessels along the coasts of the United States and the Dominion of Canada, or 
 between said countries and parts of Europe north of the 42d parallel of north latitude, with- 
 out first obtaining the written consent of the company. 
 
 As Regards Occupations.— Third. The person whose life is hereby insured shall not 
 engage in blasting, mining, sub-marine operations or the production of highly inflammable 
 or explosive substances, or be regularly employed in working or managing a steam engine, 
 in any capacity, or as a mariner, engineer, fireman, conductor, or laborer in any capacity 
 upon service upon any steam or sail vessel, or upon railroad trains. Nor shall he enter any 
 military or naval service whatsoever (the militia not in active service excepted), without first 
 obtaining the written consent of the company. 
 
 Notice.— Fourth. No agent has authority to deliver a renewal receipt upon this Policy 
 after the day when the premium falls due, without at the same time taking a certificate of the 
 good health of the insured. And whenever the company receives a premium after it is due, 
 it does so on the express understanding that it does not establish a custom for the future. It 
 expressly reserves the right to reject any premium tendered after the same becomes due. 
 
 Fifth. The payment of any note or obligation received under the terms of this Policy, 
 shall in no manner whatsoever be contingent upon conditions not expressed in such note or 
 obligation. 
 
 19 
 
Sixth. For the information of the assured, and in order that any unintentional errors or 
 omissions which hereafter may be found to exist may be corrected, a copy of the application 
 upon which this Policy is based is hereto attached. If corrections are desired, when satis- 
 factory to the company, a certificate to that effect will be issued over the signature of the 
 president or secretary. 
 
 This Policy shall participate in profits as declared by the company: and when awarded, div- 
 idends may be used in reduction of Lhe premiums, or to purchase additions, or they may be 
 applied as provided in either of the following agreements. 
 
 In Consideration of the request of the assured in the application for this Policy, it is 
 issued on the Accumulative Plan, and it is understood and agreed that the profits on the same 
 shall be left with the company, to be accumulated at the rates of interest earned on its assets, 
 and when such accumulative profits, added to the reserve, shall amount to the sum insured, 
 it shall be paid to ; or in case of the previous death of the person whose life is in- 
 sured, the full amount of the Policy and accumulative profits shall then be paid, in accor- 
 dance with the conditions of this Policy. 
 
 In Consideration of the request of the assured in the application for this Policy, it is 
 issued on the Dividend Investment Plan. And it is understood and agreed that no dividends 
 
 shall be declared on this Policy until the end of the term of years, when the assured shall 
 
 receive his portion of the fund provided by this class of policies, in proportion to the premi- 
 ums paid by him. It is provided that the surviving policies of this class shall receive as a 
 dividend all the surplus arising from their own policies, and also that forfeited under agree- 
 ments of this class. It is further agreed that if the assured shall fail from any cause to pay 
 the premiums upon this Policy for the time above mentioned, he shall not be entitled to re- 
 ceive any portion of said fund. The share of each Policy at the end of the period named will 
 be subject to the following options on the part of the holder: 
 
 1st. He may take it in cash. 2d. He may convert it into an annuity to decrease his 
 future premiums. 3d. He may apply it to the payment of his premiums. 
 
 This agreement may be renewed at the end of the time stipulated, this Policy being in 
 force as a premium-paying contract. 
 
 FKOM MICHIGAN MUTUAL APPLICATION. 
 
 I hereby declare, That the above are fair and true answers to the foregoing questions, 
 and I hereby agree that these statements, with this declaration, shall form the basis of the 
 contract for assurance, and that any untrue or fraudulent answers, any suppression of facts in 
 regard to my health, habits or circumstances, or neglect to pay the premium on or before the 
 day it becomes due shall violate the Policy, and forfeit all payments made thereon, except as 
 provided in the Policy. It is hereby agreed that the Policy shall not be in force unless the 
 premium is actually paid to the company or its authorized agent, or a note given and accepted 
 in the place of such payment, during the lifetime of the person whose life is insured, and the 
 Policy is actually delivered to the person for whose benefit is the insurance, during such life- 
 time. And it is further agreed, that if the first or any subsequent premium on the Policy shall 
 be settled wholly or in part by note or other obligation, whether of the beneficiary, the assured: 
 or any third party, such settlement shall not be deemed a payment, but only an extension of 
 the time for the payment of such premium ; and if such note or other obligation or any re- 
 newal thereof shall not be fully paid when due, then, for any loss occurring while such note 
 or other obligation remains due and unpaid the company shall not be liable, but the whole 
 amount of the premium included in such note or other obligation shall be considered as 
 earned, and the company may collect the same. 
 
 The payment of any note or obligation received under the terms of this applica'ion shall 
 in no manner whatsoever be contingent upon conditions not expressed in such note or obliga- 
 tion. 
 
 20 
 
MUTUAL BENEFIT POLICY CONDITIONS. 
 
 Provided, that in case the said premiums shall not he paid on or hefore the several days 
 hereinbefore mentioned for the payment thereof, at the office of the company, in the City of 
 Newark, or to agents when they produce receipts signed by the president or treasurer, then, 
 and in every such case, this Policy shall cease and determine, subject to the provisions of the 
 company's Non-Forfeiture System, as indorsed hereon, with accompanying table. 
 
 This Policy does not take effect until the first premium shall have been actually paid ; nor 
 are agents authorized to make, alter or discharge this or any other contract in relation to the 
 matter of this insurance, or to waive any forfeiture hereof, or to grant permits, or to receive 
 for the cash due for premiums anything but cash. Any error made in understanding the age 
 of the insured will be adjusted by paying such amount as the premiums paid would purchase 
 at the table rate. 
 
 No assignment of this Policy shall take effect until written notice thereof shall be given 
 to the company. 
 
 This Policy, after two years, will be incontestable, except for fraud or non-payment of 
 premium. 
 
 ORDINARY LIFE POLICY. 
 
 810,000 issued -at age of hO years. 
 Non-Forfeiture Proyisioxs.— When after two full annual premiums shall have 
 been paid on this Policy, it shall cease or become void solely by the non-payment of any pre- 
 mium when due, its entire net reserve by the American Experience Mortality, and interest 
 at four per cent, yearly, less any indebtedness to the company on this Policy, shall be applied 
 by the company as a single premium at the company's rates, published and in force at this 
 date, either, first, to the purchase of non-participating term insurance for the full amount 
 insured by this Policy, or, second, upon the written application by the owner of this Policy, 
 and the surrender thereof to the company at Newark within three months from such non- 
 payment of premium, to the purchase of a Non-Participating Paid-up Policy, payable at the 
 time this Policy would be payable if continued in force. Both kinds of insurance aforesaid 
 will be subject to the same conditions, except as to payment of premiums, as those of this 
 Policy. No part, however, of such term insurance shall be due or payable unless satisfactory 
 proofs of death be furnished to the company within one year after death; and if death shall 
 occur within three years after such non-payment of premium, and during such term of 
 insurance, there shall be deducted from the amount payable the sum of all the premiums 
 that would have become due on this Policy if it had continued in force. 
 
 The following table shows the amount that the company agrees to loan (being one-half of 
 the reserve) upon a satisfactory assignment of the Policy as collateral security; also the addi- 
 tional time for which the insurance will be continued in full force after lapse by non-payment 
 of premium; or the value of the Policy in paid-up insurance upon surrender within three 
 months from date of lapse. 
 
 The figures given are based upon the assumption that the premiums (less current divi- 
 dends) have been fully paid in cash. If there be any indebtedness upon the Policy, the 
 values as stated in the table would have to be reduced proportionately upon the principles 
 stated in the Policy. The indebtedness, if any, may be paid off in cash, in which case the 
 figures in the table will apply. 
 
 
 Company will 
 Loan. 
 
 IN OASE OF LAPSE OF POLICY. 
 
 Number of Years 
 Premiums Paid. 
 
 Extended Insurance. 
 
 Paid-up Policv. 
 
 
 
 
 
 
 Years. 
 
 Days. 
 
 
 2 
 
 $ 140 
 
 2 
 
 137 
 
 $ 620 
 
 3 
 
 210 
 
 3 
 
 206 
 
 920 
 
 4 
 
 290 
 
 4 
 
 262 
 
 1,230 
 
 5 
 
 360 
 
 5 
 
 293 
 
 1,530 
 
 G 
 
 440 
 
 6 
 
 289 
 
 1,830 
 
 7 
 
 530 
 
 7 
 
 243 
 
 2,120 
 
 8 
 
 610 
 
 8 
 
 160 
 
 2,410 
 
 9 
 
 700 
 
 9 
 
 35 
 
 2.700 
 
 10 
 
 790 
 
 9 
 
 235 
 
 2,980 
 
 11 
 
 880 
 
 10 
 
 35 
 
 3.250 
 
 12 
 
 970 
 
 10 
 
 166 
 
 3,520 
 
 13 
 
 1,060 
 
 10 
 
 268 
 
 3,780 
 
 14 
 
 1,160 
 
 10 
 
 343 
 
 4,040 
 
 15 
 
 1,260 
 
 11 
 
 28 
 
 4,290 
 
 20 
 
 1,760 
 
 10 
 
 362 
 
 5,430 
 
 FPOM MUTUAL BENEFIT APPLICATION. 
 I hereby warrant that he is not intemperate in the use of stimulants or narcotics. I agree 
 that the answers given herewith to the questions of the agent and examiner, which I declare 
 and warrant to be true, shall be the basis of my contract with the company; and that such 
 contract shall at all times and places be held and construed to have been made in the City of 
 Newark, New Jersey. I also agree that if within two years from this date the insured shall, 
 without the written consent of the company, reside or travel elsewhere than in or to the 
 United States, Canada or Europe, or shall within such period, and without such consent, be 
 personally engaged in blasting, mining, submarine operations, or in the making of explosives, 
 or in service on any railway train, or on a steam or sailing vessel, or in naval or army ser- 
 vice in times of war, the policy hereby applied for shall thereupon cease and determine. 
 
 21 
 
CONVERTIBLE POLICY MUTUAL BENEFIT. 
 
 $10,030; agehO; Twenty- Year Endowment . 
 
 Non-Forfeiture Pro visions.— When after two full annual premiums shall have been 
 paiu on this Policy it shall cease or become void solely by the non-payment of any premium 
 when due, the entire net reserve value of the Policy, including dividend additions, by the 
 American Experience Mortality and interest at four per cent, yearly, less any indebtedness to 
 the company on this Policy, shall be applied by the company as a single premium at the com- 
 pany's rates published and in force at this date, either, first, to the purchase of non-participa- 
 ting term insurance for the full amount insured by this Policy, or, second, upon the written 
 application by the owner of this Policy and the surrender thereof to the company at Newark 
 within three months from such non-payment of premium, to the purchase of a non-participa- 
 ting paid-up Policy payable at the time this Policy would be payable if continued in 
 force. Both kinds of insurance aforesaid will be subject to the same conditions, except as to 
 payment of premiums, as those of this Policy. No part, however, of such term insurance shall 
 be due or payable unless satisfactory proofs of deaths be furnished to the company within one 
 year after death; and if death shall occur within three years after such non-payment of pre- 
 mium, and during such term of insurance, there shall be deducted from the amount payable 
 the sum of all the premiums that would have become due on this Policy if it had continued 
 in force. If the reserve be more than enough to purchase temporary insurance as aforesaid 
 to the end of the endowment term, the excess shall be applied to the purchase of pure endow- 
 ment insurance, payable at the end of the term if the insured be then living. 
 
 And, after two full years' premiums shall have been paid, the company will, on surrender 
 of this Policy fully receipted while in force or within three months from time of lapse, allow 
 as a cash surrender value for the same, a sum not less than the full reserve value of the 
 Policy, exclusive of dividend additions, computed by the above-named standard, deducting 
 therefrom any indebtedness to the company on this Policy. 
 
 The following table shows the minimum values of the Policy under the several options 
 granted by the company. 
 
 1st Option.— Cash surrender value. 
 
 2d Option.— Amount that may be borrowed from the company on the Policy. 
 
 3d Option.— Extended insurance for full amount of Policy, and cash endowment (if any) 
 payable at end of Policy term. 
 
 4th Option.— Paid-up Policy value. 
 
 Number of 
 
 Guaranteed 
 
 Company 
 
 IN CASE OF LAPSE OF POLICY. 
 
 
 
 
 Years' Pre- 
 
 Cash Surren- 
 
 will 
 
 Extended Insurance. 
 
 Cash Payable 
 at end of En- 
 
 Paid-up 
 
 
 
 
 
 miums Paid. 
 
 der Value. 
 
 Loan. 
 
 Years. 
 
 Days. 
 
 dowment if 
 Party lives. 
 
 Policy. 
 
 9 
 
 s 641 10 
 
 $ 320 
 
 5 
 
 261 
 
 
 $ 1,080 
 
 3 
 
 987 50 
 
 490 
 
 8 
 
 221 
 
 
 1,610 
 
 4 
 
 1,346 00 
 
 670 
 
 11 
 
 108 
 
 
 2.130 
 
 5 
 
 1,720 10 
 
 860 
 
 13 
 
 256 
 
 
 2,650 
 
 6 
 
 2,110 90 
 
 1.C60 
 
 14 
 
 
 $ 530 
 
 3,150 
 
 7 
 
 2,518 80 
 
 1,260 
 
 13 
 
 
 1,390 
 
 3,660 
 
 8 
 
 2,944 90 
 
 1.470 
 
 12 
 
 
 2,220 
 
 4,150 
 
 9 
 
 3,390 00 
 
 l,7r0 
 
 11 
 
 
 3,010 
 
 4,630 
 
 10 
 
 3,855 10 
 
 1,930 
 
 10 
 
 
 3.760 
 
 5.110 
 
 11 
 
 4,341 30 
 
 2,170 
 
 9 
 
 
 4,480 
 
 5,580 
 
 12 
 
 4.850 00 
 
 2.430 
 
 8 
 
 
 5,160 
 
 6.040 
 
 13 
 
 5.383 00 
 
 2,690 
 
 7 
 
 
 5,810 
 
 6,500 
 
 11 
 
 5,942 00 
 
 2.970 
 
 6 
 
 
 6,430 
 
 6,950 
 
 15 
 
 6.523 30 
 
 3.260 
 
 5 
 
 
 7.010 
 
 7,390 
 
 16 
 
 7.147 50 
 
 3.570 
 
 4 
 
 
 7.660 
 
 7,900 
 
 37 
 
 7,799 70 
 
 3,909 
 
 3 
 
 
 8.280 
 
 8,420 
 
 18 
 
 8,489 40 
 
 4.240 
 
 2 
 
 
 8,880 
 
 8,910 
 
 19 
 
 9,221 20 
 
 4.610 
 
 1 
 
 
 9.450 
 
 9,470 
 
 20 
 
 10,000 00 
 
 5.000 
 
 
 
 10,000 
 
 10.000 
 
 Note.— The first ten years' Dividends that may be declared upon this Policy will be 
 allowed only on the ''Addition" Plan. 
 
 The Values of this Policy may, owing to Dividend Additions, be more than those above 
 stated; but they cannot be less, provided there be no loan on the Policy requiring adjust- 
 ment. 
 
 Loans not made for less than twenty dollars. 
 
MUTUAL LIFE POLICY. 
 
 FIVE-YEAR DISTRIBUTION POLICY. 
 
 "o the provisions, requirements and benefits stated on the back of this Policy, which are hereby 
 referred to and made part hereof. 
 
 PROVISIONS, REQUIREMENTS AND BENEFITS. 
 
 Payment of Premiums.— Each premium is due aud payable at the home office of the 
 company, in the City of New York, hut will he accepted elsewhere when duly made in 
 exchange for the company's receipt, signed by the president or secretary. Notice that each 
 and every such payment is due at the date named in the Policy, is given and accepted by the 
 delivery and acceptance of this Policy, and any further notice, required by any statute, is 
 thereby expressly waived. That part of the year's premium, if any, which is not due and is 
 unpaid at the maturity of this contract, shall be deducted from the amount of the claim. If 
 this Policy shall become void by non-payment of premium, all payments previously made 
 shall be forfeited to the company except as hereinafter provided. 
 
 Dividends. -This Policy is issued on the Five- Year Distribution Plan. It will be ered- 
 ited with its distributive share .of surplus apportioned at the expiration of each five years 
 from the date of issue. Only Policies in force at the end of such terms, and entitled thereto 
 by year of issue, shall share in such distribution of the surplus, and no other distribution to 
 such Policies shall be made at any other time. All surplus so apportioned may be applied at 
 the end of such periods to purchase additional insurance, or in payment of future premiums 
 on this Policy, if requested in writing, or may then be drawn in cash. 
 
 Paid-up Policy.— After three full annual premiums have been paid upon this Policy, 
 the company will, upon the legal surrender thereof before default in payment of any pre- 
 mium, or within six mouths thereafter, issue a non-participating Policy for paid-up insur- 
 ance, payable as herein provided, for the amount required by the provisions of the Act of May 
 2i, 1879, Chapter 347, Laws of the State of New York. 
 
 Surrender.— This Policy may be surrendered to the company at the end of the fifth 
 year from the date of issue, and eighty per cent, of the reserve (computed by the American | 
 Table of Mortality and four and one-half per cent, interest), and the surplus as defined above, 
 will be paid therefor. If surrendered at the end of the second or any subsequent five-year 
 period, the full reserve by the same standard and the surplus as so defined will be paid. No 
 cash value will be paid for a surrender at any other time or date. 
 
 Notice.— No agent has power on behalf of the company to make or modify this or any 
 contract of insurance, to extend the time for paying a premium, to bind the company by mak- 
 ing any promise, or by receiving any representation or information not contained in the appli- 
 cation for this Policy. 
 
 Assignments.— The company declines to notice any assignments of this Policy until the 
 original or a duplicate or certified copy thereof shall be filed in the company's home office. 
 The company will not assume any responsibility for the validity of an assignment. 
 
 FEOM MUTUAL LIFE APPLICATION (FIVE-YEAR DISTRIBUTION.) 
 
 Subject to the charter of said company and the laws of said State. 
 
 I HEREBY APPLY TO THE MUTUAL LIFE INSURANCE COMPANY OF NEW YORK, 
 
 for § of insurance, on my life upon the plan year distribution. 
 
 I certify that I am temperate in my habits, and am, to the best of my knowledge and 
 belief, in sound physical and mental condition, and a satisfactory subject for life insurance. 
 
 I hereby warrant and agree not to reside or travel in any part of the Torrid Zone, and not to 
 engage in any specially hazardous occupation or employment during the next two years 
 following the date of issue of the Policy for which application is hereby made, without first 
 obtaining permission from this company ; and I also warrant and agree that I will not die by 
 my own voluntary act during the said period of two years. 
 
 The specialy hazardous occupations or employments herein referred to are : 1 
 
 | Blasting, mining, submarine labor, aeronautic ascensions, Arctic explorations, the | 
 
 ■\ manufacture of highly explosive substances, service upon any railroad train, or in !- 
 
 switching or in coupling cars, or on any steam or other vessel, or military or naval I 
 
 i service in time of war. 
 
 I also agree that all the foregoing statements and answers, as well as those that I make or 
 shall make to the company's medical examiner, in continuation of this application, are by 
 me warranted to be true, and are offered to the company as a consideration of the contract, 
 which shall not take effect until the first premium shall have been paid, and the Policy shall 
 have been delivered, during my life and continuance in good health. 
 
 23 
 
MUTUAL LIFE TWENTY YEAR DISTRIBUTION POLICY. 
 
 (MAX'S LIFE.) 
 LIFE PLAN, ANNUAL PREMIUMS FOR TWENTY YEARS. 
 
 Age, hO years; annual premium, pDG; amount, $20,000. 
 
 In consideration of the application for this Policy, which is hereby made a part of 
 this contract, THE MUTUAL LIFE INSURANCE COMPANY OF NEW YORK promises to 
 
 pay, at its home office, in the city of New York, unto of in the county of 
 
 State of his executors, administrators, or assigns, Twenty Thousand dollars, 
 
 upon acceptance of satisfactory proofs at its said office of the death of the said 
 
 during the continuance of this Policy, upon the following conditions, and subject to the 
 provisions, requirements and benefits stated on the back of this Policy, which are hereby 
 referred to and made part hereof: 
 
 The annual premium of Seven Hundred and Ninety-Six dollars shall be paid in advance on 
 the delivery of this Policy, and thereafter to the company, at its home office, in the City of 
 New York, on the first day of June, in every year during the continuance of this contract, 
 until premiums for twenty full years shall have been duly paid to said company. 
 
 IN witness whereof, the said THE MUTUAL LIFE INSURANCE COMPANY OF 
 NEW YORK has caused this Policy to be signed by its president and secretary, at its office, in 
 the City of New York, the first day of June, A. D., one thousand eight hundred and eighty- 
 seven. [Signed] 
 
 [Signed] RICHARD A. McCURDY, President. 
 
 Wm, J. Easton, Secretary. 
 
 FROM APPLICATION (TWENTY YEAR DISTRIBUTION POLICY). 
 
 I certify that I am temperate in my habits, and am, to the best of my knowledge and belief, 
 in sound physical and mental condition, and a satisfactory subject for life insurance. 
 
 I hereby ivarrani and agree not to reside or travel in any part of the Torrid Zone, and not to 
 engage in any specially hazardous occupation or employment during the next two years 
 following the date of issue of the Policy for which application is hereby made, and also not 
 to engage in any military or naval service in time of war during the continuance of this Policy, 
 without first obtaining permission from this company ; and I also warrant and agree that I 
 will not die by my own voluntary act during the said period of two years. 
 
 The specially hazardous occupations or employments herein referred to are:] 
 
 Blasting, mining, submarine labor, aeronautic ascensions, Arctic explorations, the j 
 
 ■ manufacture of highly explosive substances, service upon any railroad train, or in j- 
 
 switching or in coupling cars, or on any steam or other vessel, or military or naval I 
 
 service in time of war. 
 
 I also agree that all the foregoing statements and answers, as well as those that I make or 
 shall make to the company's medical examiner, in continuation of this application, are by 
 me warranted to be true, and are offered to the company as a consideration of the contract, 
 which shall not take effect until the first premium shall have been paid, and the Policy shall 
 have been delivered, during my life and continuance in good health. 
 
 MUTUAL LIFE TWENTY YEAR DISTRIBUTION POLICY. 
 PROVISIONS, requirements and benefits. 
 (Printed on the back of and referred to in this Policy.) I 
 
 Payment of Premiums.— Each premium is due and payable at the home office of the 
 company, in the City of New York, but will be accepted elsewhere, when duly made in 
 exchange for the company's receipt, signed by the president or secretary. Notice that each 
 and every such payment is due at the date named in the Policy, is given and accepted by the 
 delivery and acceptance of this Policy, and any further notice, required by any statute, is 
 thereby expressly waived. That part of the year's premium, if any, which is not due and is 
 unpaid at the maturity of this contract, shall be deducted from the amount of the claim. If 
 this Policy shall become void by non-payment of premium, all payments previously made 
 shall be forfeited to the company, except as hereinafter provided. 
 
 Dividends. — This Policy is issued on the Twenty Year Distribution Plan. It will be 
 credited with its distributive share of surplus apportioned at the expiration of twenty years 
 from the date of issue. Only twenty year distribution Policies in force at the end of such 
 term, and entitled thereto by year of issue, shall share in such distribution of the surplus, and 
 no other distribution to such Policies shall be made at any previous time. All surplus so ap- 
 portioned may be applied at the end of such period to purchase additional insurance, or in 
 payment of future premiums on this Policy, if requested in writing, or may then be drawn in 
 cash. After the expiration of the period of twenty years herein above provided for, the divi- 
 dend distribution periods shall be changed to terms of five years each during the continuance 
 of this Policy. But should the owner of the Policy at the end of said first period of twenty 
 years, or at the end of any subsequent period of five years, elect to receive the dividends 
 annually, the surplus applicable on this Policy will thereafter be apportioned at the begin- 
 ning of each year on the anniversary of the date of this Policy, and may be applied as herein- 
 before provided. 
 
 24 
 
Paid-up Polio v. —After throe full annual premiums have been paid upon this Policy, the 
 company will, upon the legal surrender thereof before default iu payment of any premium, or 
 within six months thereafter, issue a Xon-Partieipatiug Policy for paid-up insurance, payable 
 as herein provided for the proportion of the amount of this Policy which the number of full 
 years' premiums paid bears to the total number required. 
 
 Surrender.— This Policy may be surrendered to the company at the end of the said 
 twenty years from the date of issue, and the full reserve computed by the American Table of 
 Mortality, and four per cent, interest, and the surplus as defined above, will be paid therefor 
 in cash. If surrendered at the end of any subsequent quinquennial dividend period, the full 
 reserve, by the same standard, and the surplus as so defined, will be paid in cash. No cash 
 value will be paid for a surrender at any other times or dates. 
 
 Notice.— No agent has power, on behalf of the company, to make or modify this or any 
 contract of insurance, to extend the time for paying a premium, to bind the company by 
 making any promise, or by receiving any representation or information not contained in the 
 application for this Policy. 
 
 Assignments.— The company declines to notice any assignment of this Policy until the 
 original or a duplicate or certified copy thereof shall be filed in the company's home office. 
 The company will not assume any responsibility for the validity of an assignment. 
 
 Note. — The Return Premium Policy is the same as above, except it contains clauses 
 referring to Paid-up Policy and Return Premiums, as follows : 
 
 ^VYhole Premium Eeturn.— If this Policy shall become a claim by death during the 
 first dividend period, as above provided, the whole of the premiums received during said 
 period will be returned and paid with the amount of this Policy. 
 
 Paid-up Policy.— After three full annual premiums have been paid upon this Policy, the 
 company will, upon the legal surrender thereof before default in payment of any premium, or 
 Avithin six months thereafter, issue a Non-Participating Policy for paid-up insurance, payable 
 as herein provided, for the amount required by the provisions of the Act of May 21, 1879, Chap. 
 347, Laws of the State of New York, but said Paid-up Policy shall not provide for any return 
 of premiums. 
 
 25 
 
NATIONAL LIFE POLICY. 
 
 This Policy is issued and accepted upon the following conditions: 
 
 That the statements and declarations made by and on behalf of the insured in the appli- 1 
 cation for this Policy, which are hereby referred to as the basis of this contract, and are a part § 
 thereof, and on the faith of which it is issued, are in all respects true, and that no fact has 
 been suppressed relating to the health or circumstances of the insured affecting the interests 
 oi' said company, or its indacements to accept the risk. 
 
 That the insured may reside in the United States and its Territories (except in localities 
 where yellow fever is prevailing at the time as an epidemic), and in the British Provinces, 
 and travel in and make passages along the coasts thereof; may go to, return from, reside and 
 travel in Europe and in the West Indies, between the mouths of November and May inclu- 
 sive, and the islands of the Pacific Ocean. Provided, that if the insured shall, without pre- 
 vious notice to the company, go and remain beyond the above limits, or engage in any 
 miiitary or naval service, or engage in voyages upon the high seas as an occupation, or in 
 blasting, mining or submarine occupations, or in the production or manufacture of highly 
 inflammable or explosive substances, or in working a steam engine on land or water as engi- 
 neer or fireman, or in a similar capacity, or as an employee on any railroad train — in every 
 such case the insured shall pay an extra premium, equal to that charged in similar cases by 
 other first-class companies in the United States. Avhich, if not paid at the time of the assump- 
 tion of the risk, shall not invalidate this contract, but shall be a lien upon the Policy. 
 
 That if the insured shall die by suicide or by his own hand, whether sane or insane, 
 within three years from the date hereof, or in, or in consequence of, violating any criminal 
 law of country, state or territory in which the insured may be, this Policy shall be void, but 
 the ne^reserve held against this Policy, reckoned according to the legal standard of Vermont, 
 at that date shall be paid to the parties in interest in this Policy. 
 
 That in case of any indebtedness to this company from the assured, on account of this 
 Policy, said Policy, and all sums due thereunder, shall be, and are hereby pledged to secure 
 said indebtedness, and the company shall have a lien therefor on this Policy, and said debt 
 or demand may be set off against the amount due hereon. 
 
 That no suit shall be brought against the company for any claim under this Policy, unless 
 said suit is commenced within two years from the time when the right of action accrues ; and 
 also within three years from the termination of the life insured. 
 
 That this Policy shall not take effect until the first premium is actually paid, and agents 
 are not authorized to deliver the Policy to the insured until such payment has been made. 
 
 No alteration or waiver of the conditions of this Policy shall be valid unless made in 
 writing at the office in Montpelier, Vt, and signed by the president or secretary. 
 
 Agents are alone authorized to receive premiums, on the day when payable, and not after- 
 wards, upon presentation of the company's receipts, signed by the president or secretary, but 
 cannot give credit, make, alter or discharge contracts nor waive forfeitures. 
 
 Notice of assignment of this Policy must be sent to the home office, and the assent of the 
 company obtained to same; the company will not, however, assume any responsibility as to 
 validity of assignment. 
 
 In case any premium or any part thereof, or any note given therefor, shall not be paid on 
 the day when due, this Policy shall thereupon lapse and determine; except that, after three 
 full annual premiums have been paid, the company guarantees either continued insurance 
 for the full amount of Policy to such period as the reserve will extend it, a cash surrender 
 value, or a paid-up Policy. If no election is made within sixty days after date of lapse, a 
 paid-up Policy will be issued and this Policy cancelled. 
 
 This Policy, after three years, will be incontestable except for fraud or non-payment of 
 premium. 
 
 FROM NATIONAL LIFE APPLICATION. 
 
 Are the statements and declarations made by and on behalf of the person to be insured in 
 the bond hereby applied for (and which are hereby referred to as the basis of the contract and 
 as a part thereof, and on the faith of which the bond is to be issued,) in all respects true? 
 And has any fact been suppressed relating to the health or circumstances of the insured 
 affecting the interest of said company, or their inducements to accept the risk? 
 
 l A<6 
 
NEW ENGLAND MUTUAL, POLICY. 
 
 This Folicy is issued by the company, and accepted upon the following express conditions: 
 
 That the statements and declarations made in or attached to the application for this 
 Policy, -which ar.± hereby referred to as the basis of this contract and are a part thereof, and 
 on the faith of which it is issued, are in all respects true, and that no fact has been suppressed 
 relating to the health or circumstances of the insured affecting the interests of said company 
 or their inducement to accept the risk. 
 
 The insured may reside in the United States and its Territories (except in localities where 
 yellow fever is prevailing at the time as an epidemic), and in the British provinces, and travel 
 in and make passages along the coasts thereof; and may go to, return from, reside and travel 
 in Europe, the "West Indies (between the months of November and May inclusive), and the 
 islands of the Pacific Ocean. 
 
 The insured may, without previous notice to the company, go and remain beyond the 
 above limits (except where yellow fever is prevailing as an epidemic), or may engage in any 
 military or naval service, or engage in voyages upon the high seas as an occupation, or in 
 blasting, mining or submarine operations, or in the production or manufacture of highly 
 inflammable or explosive substances, or in working a steam engine, on land or water, as engi- 
 neer or fireman, or in a similar capacity, or as an employee on any railroad train, but in such 
 case he shall pay for remaining beyond the above limits of residence or travel, or for the risk 
 of military or naval service in time of war, or for any of said occupations, an extra premium, 
 equal to that charged by the company in similar cases, which, if not paid at the time of the 
 assumption of the risk, shall not invalidate this contract, but shall be a lien upon the Policy, 
 and deducted therefrom, with interest, upon its payment. 
 
 Any assignment of this Policy shall be void unless assented to in writing by said com- 
 pany, but the Policy shall not be invalidated thereby ; 
 
 In case of any indebtedness due to this company from the assured, this Policy and all sums 
 due thereunder, are hereby pledged to secure said indebtedness, and the company shall have 
 a lien therefor on this Policy ; and said debt or demand may be set off against the amount due 
 thereon. 
 
 This Policy is payable only at the office of the company, at Boston, from which it is issued, 
 and is a Massachusetts contract; and as to its conditions, restrictions and agreements, and as 
 to the validity of any assignment thereof, shall be governed by the law of Massachusetts. 
 
 The loss shall be payable whenever satisfactory proof thereof shall have been furnished at 
 the office in Boston, by the sworn certificate of the attending physician, if there were any, and 
 the full and particular statement, under oath, of at least one competent and disinterested wit- 
 ness, stating the time, place, cause and circumstances of the death of the insured. 
 
 No suit shall be brought against the company on any claim under this Policy, unless said 
 suit is commenced within two years from the time when the right of action accrues, and also 
 within three years from the termination of the life insured. 
 
 This Policy shall not take effect until the first premium is actually paid, and agents are 
 not authorized to deliver the Policy to the assured until such payment has been made. 
 
 General agents appointed directly by the company are alone authorized to receive pre- 
 miums at the day when payable, and not afterwards, but cannot give credit, or make, alter, 
 or discharge contracts, or waive forfeitures, and no alteration or waiver of the conditions of 
 this Policy shall be valid unless made in writing at the office in Boston, and signed by the 
 president or secretary. 
 
 All premiums due under this Policy shall be paid in advance, but any annual premium 
 may, at the election of the assured, be paid in cash, either in one sum or in semi-annual or 
 quarterly installments, to be secured by the notes of the assured, it being understood that the 
 company assumes no risk for the period covered by such deferred payments, but only for that 
 portion of the year for which the premium shall have been actually paid IN CASH, in ad- 
 vance, and that in case of loss all such deferred payments are to be deducted from the amount 
 payable. 
 
 This Policy shall be void if the insured shall die in, or in consequence of a duel, or by the 
 hands of justice, or in the violation of, or attempt to violate, any criminal law of the United 
 States, or of any state or country in which the assured may be. 
 
 This Policy shall be void if the insured shall die by his own hand or act, whether sane or 
 insane, within three years from the date hereof, but the company agrees to pay upon the 
 Policy thus voided the net reserve held against it, reckoned according to the legal standard of 
 Massachusetts. 
 
 FKOM NEW ENGLAND MUTUAL APPLICATION. 
 
 Does the applicant warrant the truth of all the foregoing answers, and agree that they are 
 a part of the contract of insurance, and that if any answer to the above questions, in this 
 statement, is fraudulent or untrue, or if there is any concealment of fact bearing upon the 
 proposed risk, whether inquired about or not, or any non-compliance with the terms and 
 conditions of the Policy, and the rules of the company, it shall vitiate the insurance, and 
 that, in such cases, no return of premium shall be made ? 
 
 27 
 
NEW YORK LIFE POLICY. 
 
 PROVISIONS AND REQUIREMENTS REFERRED TO TS THIS POLICY. 
 
 NON-FORFEITING TONTINE. 
 
 This Policy is issued on the Non- Forfeiting Limited- Tontine Policy Plan, the partieidars of ichich 
 
 are as follows: 
 
 . That the Tontine Dividend Period for this Policy shall he completed on the day of 
 
 in the year 
 
 That no dividend shall he allowed or paid upon this Policy unless the person whose life is 
 hereby insured shall survive until completion of its Tontine Dividend Period and unless this 
 Policy shall then be in force. 
 
 That surplus of profits derived from such Policies on the Non- Forfeiting Limited- Tontine 
 Policy Plan as shall not be in force at the date of the completion of their respective Tontine 
 Dividend Periods, shall be apportioned among such Policies as shall complete their Tontine 
 Dividend Periods. 
 
 That after the completion of the Tontine Dividend Period, provided this Policy shall not 
 have been previously terminated, this Policy shall secure to the person whose life is hereby 
 insured one of the following benefits: First — to apply the accumulated dividend to the pur- 
 chase of an annuity on the said person whose life is hereby insured in one of the following- 
 forms: a, an annuity for the number of years that premiums are payable beyond the Tontine 
 Period, to be used ia reduction of subsequent premiums on this Policy, and in case the amount 
 accruing in any year from the annuity, together with dividends that may thereafter be de- 
 clared on this Policy, shall exceed the amount of premium due thereon, the excess to be paid 
 in cash; or, &, if the payment of premiums is completed, an annuity for the whole term of life. 
 Second — To continue the Policy for the original amount and withdraw the accumulated sur- 
 plus apportioned by the company to this Policy in cash. Third — to withdraw in cash the 
 entire equity (that is, the reserve, according to the present legal standard of the State of New 
 York, and in addition thereto the accumulated surplus aforesaid). Fourth — To convert the 
 entire equity into a Paid-up Policj', without participation in profits, for an amount to be 
 determined by the method then in use by the company in determining Paid-up Policies of 
 this class; provided that should the amount of such Paid-up Policy exceed the original 
 amount of the insurance, it is made a condition precedent to its issue, first, that a medical 
 examination of the party whose life is hereby insured, made by an approved examiner upon 
 the blank provided by the company for that purpose, is furnished by the applicant at his own 
 expense; second, that such medical examination is approved by the medical board at the 
 home office of the company, and the risk is recommended by them; and, third, that this 
 Policy is legally surrendered during the lifetime of the insured, and within ninety days from 
 the termination of the Tontine Dividend Period. Fifth — the conversion of the entire equity 
 into a life annuity, upon the life of and payable to the said person whose life is hereby 
 insured. These benefits are at the option of the person whose life is hereby insured, but it 
 is understood and agreed that not less than three months prior to the termination of the Ton- 
 tine Period the said person whose life is hereby insured shall notify the company, in writing, 
 which benefit is selected, and if no such notification shall be received, then, and in that case, 
 the accumulated surplus shall be applied to the purchase of an annuity in one of the forms 
 stipulated in the "first benefit" named above. 
 
 That in the payment of premiums upon this Policy, falling due within the selected Tontine 
 Period, a grace shall be allowed of one month ; provided, that in all cases when this grace is 
 availed of, a fine at the rate of ten per cent, per annum shall be paid to the company for the 
 time deferred. 
 
 If the person whose life is hereby insured shall travel or reside beyond the settled limits 
 or the protection of the government of the United States (excepting in the settled limits of 
 the Dominion of Canada, Prince Edward's Island or Newfoundland), or, between the first day 
 of July and the first day of November, south of a line beginning at the point of intersection of 
 the northerly boundary of North Carolina with the Atlantic coast, thence running westerly 
 along the said northerly boundary to a point one hundred miles from the coast; thence in a 
 southwesterly direction, continuing one hundred miles from said coast to the thirty-fourth 
 parallel of latitude ; thence westerly along said parallel to the westerly border of Alabama 
 (excepting the city of Atlanta and an area within a radius of fifty miles around it) ; thence 
 northerly along the westerly border of Alabama and along the Tennessee River to the north- 
 erly boundary of Tennessee; thence westerly along the northerly boundary of Tennessee and 
 Arkansas, extended to the ninety-seventh degree of west longitude; thence southerly to the 
 thirty-second parallel of north latitude ; then westerly along the said parallel to the Pacific 
 Ocean; or shall enter upon a voyage upon the high seas (except as hereinafter specified), or 
 shall be personally engaged in blasting, mining, submarine operations, seronautic travel or 
 excursions, or the manufacture or transportation of highly inflammable or explosive sub- 
 stances, or in working or managing a steam engine in any capacity, or as mariner, engineer, 
 fireman, conductor, express messenger, or laborer in any capacity upon service on any sea, 
 sound, inlet, river, lake or railroad, or shall enter any military or naval or paid fire depart- 
 ment service whatsoever (the militia when not in actual service excepted), without the consent 
 of this company in each or either of the foregoing cases previously given in writing; or if he 
 shall die in, or in consequence of a duel, or the violation of the laws of any nation, state or 
 province; or if death shall be caused by or in consequence of the use of intoxicating drink, 
 opium or other narcotics; or if the first premium herein shall not have been actually paid 
 
 28 
 
during the continuance of the life in the same condition of health as described in the appli- 
 cation : or if any of the statements or representations made in the application for this Policy 
 shall be found in any respect untrue, then, and in every such case, this Policy shall be null 
 and void: and all payments previously made shall be forfeited to the company, and no action 
 or right of action shall remain to, or be maintained against this company by, the assured or 
 any other person, by virtue of this Policy. 
 
 The person, whose life is hereby insured has permission to pass as passenger, by direct 
 route, in first-class vessels, as follows: First, to and from Europe (travel and residence wherein 
 is hereby permitted) ; second, to and from California, and along the coasts of Nova Scotia, New 
 Brunswick, and the United States, between Cape Canso and the Rio Grande (provided that no 
 port is entered in which residence at the time of such entrance is prohibited) ; third, between 
 ports on the East Pacific coast, north of 32° of north latitude; fourth, between ports on the 
 East Pacific coast, north of 32° of north latitude, and ports in the Sandwich Islands, China 
 and Japan. 
 
 Inasmuch as only the officers at the home office of the company, in the City of New York, 
 have authority to determine whether or not a Policy shall issue on any application, and as 
 they act on the written statements and representations made in the application for this Policy, 
 it is expressly understood and agreed that no information, statements or representations made 
 or given by or to the person soliciting or taking the application for this Policy, or to any other 
 person, shall be binding on the company, or in any manner affect its rights, unless such 
 information, statements or representations have been reduced to writing and presented to the 
 officers of the company, at the home office, in the application referred to. 
 
 No agent has power, in behalf of the company, to make or modify this or any contract of 
 insurance, to extend the time for paying a premium, to issue a permit for residence, travel or 
 occupation, or to bind the company by making any promise or receiving any representation 
 or information. This power can be exercised only by the president, vice-president or actuary 
 of ths company, and will not be delegated. 
 
 Receipts for premiums are not valid unless signed by the president, vice-president or 
 actuary. No payments made to any person, except in exchange for such receipts, counter- 
 signed by the person to whom the payment is made, will be recognized by the company. All 
 premiums are considered payable annually in advance. When the premium is made payable 
 in semi-annual or quarterly installments, that part of the year's premium, if any, which 
 remains unpaid at the maturity of this contract, shall be regarded as an indebtedness to the 
 company on account of this contract, and shall be deducted from the amount of the claim. 
 Notice that each and every payment of premium is due at the date named in^the Policy is 
 given and accepted by the delivery and acceptance of this Policy, and any further notice 
 required by any statute is thereby expressly waived. The giving of any other notice or the 
 acceptance of any premium after it is due is to be considered as an act of courtesy only, and 
 shall not be deemed as establishing a custom or as waiving or disturbing any of the condi- 
 tions as to payment of premiums thereafter due. 
 
 In case the cash value of any dividend that may be declared to this Policy is allowed, the 
 receipt therefor of the person whose life is hereby insttred shall be a valid release to the 
 company. 
 
 This Policy and the accompanying application constitute a contract made and to be exe- 
 cuted in the State of New York, and shall be construed only according to the charter of the 
 company and the laws of that State, and (unless otherwise mutually agreed in writing) no 
 suit shall be brought against the company on this Policy except in the courts of that State, or 
 in the circuit or district courts of the United States, nor shall any such suit be brought after 
 the lapse of one year from the time when the cause of action accrues. 
 
 The proofs of death shall be furnished to the company at its office, in the City of New 
 York, within one year after death, and shall contain full answers, under oath, to the questions 
 in the company's blanks, among which shall be included (1) an account of each claimant's 
 interest in the Policy; (2) a statement from each physician who attended the deceased within 
 a year before death; (3) a statement from a responsible householder who knew the deceased; 
 (4) a statement of the undertaker; (5) and of a clergyman, whenever one officiates. The 
 omission of any of the answers or statements required must be satisfactorily explained and 
 supplied by other proofs. 
 
 Any assignment of this Policy must be made in duplicate, and both copies must be sent 
 to the home office for acknowledgment, one of them to be retained by the company. Under 
 no circumstances will the company assume any responsibility for the validity of any assign- 
 ment. 
 
 NEW YORK LIFE (NEW PLAN) 20-YEAR GUARANTEED 
 INTEREST BOND. 
 
 1st. Amount of Bond, $1,000, payable at death, whether within the twenty years or 
 thereafter. 
 
 2d. If death occurs within the twenty years, the face of the Bond shall be paid in cash: 
 and if the total premiums paid, compounded at four per cent., shall exceed the face of said 
 Bond, then such excess shall be paid as a Mortuary dividend in addition thereto. 
 
 3d. In case of discontinuance after three years, paid-up value will be given for as many 
 twentieths of the face of the Bond as there have been annual premiums paid, together with 
 four per cent, interest annually on the total premiums paid, such interest beginning after the 
 twenty years. 
 
 29 
 
4th At the end of twenty years the bond is full paid, and the surplus apportioned by the 
 company may be withdrawn in cash. The company absolutely guarantees to pay the holder 
 of said Bond every year thereafter, till death, four per cent, interest on the total amount of 
 premiums paid, together Avith such annual dividend as may be declared. 
 
 RATES AND ESTIMATES ON TWENTY-YEAR BOND. 
 
 
 
 
 
 
 
 4 Per Cent. 
 
 
 Age 
 
 Annual 
 
 Total Premi- 
 
 Cash Value 
 
 Surplus 
 
 Interest on 
 Amount 
 
 Annuity 
 
 at Issue. 
 
 Premium. 
 
 ums Paid in. 
 
 Estimated. 
 
 Estimated. 
 
 Paid in 
 Guaranteed. 
 
 Estimated. 
 
 25 
 
 $49.40 
 
 $ 9S3 
 
 $1,531.40 
 
 $ 531.40 
 
 §39.52 
 
 $110 : 26 
 
 30 
 
 50.50 
 
 1,010 
 
 1,565.50 
 
 565 . 50 
 
 40.40 
 
 125.24 
 
 35 
 
 52.40 
 
 1.048 
 
 1,624.40 
 
 624.40 
 
 41.92 
 
 144.57 
 
 40 
 
 55.90 
 
 1,118 
 
 1,732.90 
 
 732.90 
 
 44.72 
 
 177.62 
 
 45 
 
 62.10 
 
 1,242 
 
 1,925.10 
 
 925.10 
 
 49.63 
 
 231.01 
 
 50 
 
 73.(30 
 
 1,472 
 
 2.2S1.60 
 
 1,281.60 
 
 58.88 
 
 319.42 
 
 
 
 
 
 
 
 
 NEW YORK LIFE POLICY. 
 
 (FIVE-YEAR DIVIDEND.) 
 
 Provisions, requirements and benefits referred to in this Policy. 
 
 No agent has power in behalf of the company to make or modify this or any contract of 
 insurance, to extend the time for paying a premium, to waive any forfeiture, to issue a per- 
 mit for residence, travel or occupation, or to bind the company by making any promise or 
 receiving any representation or information. This power can be exercised only by the pres 
 ident, vice-president or actuary of the company, and will not be delegated. 
 
 Inasmuch as only the officers at the home office of the company in the City of New York 
 have authority to determine w T hether or not a Policy shall issue on any application, and as 
 they act on the written statements and representations made in the application for this 
 Policy, it is expressly understood and agreed that no information, statements or representa- 
 tions made or given by or to the person soliciting or taking the application for this Policy, or 
 by or to any other person, shall be binding on the company, or in any manner affect its rights 
 unless such information, statements or representations have been reduced to writing, and 
 presented to the officers of the company at the home office, in the application referred to. 
 
 Ml premiums are due and pa}-able at the home office of the company unless otherwise 
 agreed in writing, but may be paid to agents producing receipts signed by the president, vice- 
 president or actuary, and countersigned by such agents. Notice that each and every payment 
 of premium is due at the date named in the Policy, is given and accepted by the delivery and 
 acceptance of this Policy, and any further notice required by any statute is hereby expressly 
 waived. The giving of any other notice or acceptance of any premium after it is due, is to 
 be considered as an act of courtesy only, and shall not be deemed as establishing a custom or 
 as waiving or disturbing any of the conditions as to payment of premiums thereafter due. 
 
 This Policy does not insure against death occurring while engaged in military or naval 
 service in time of war or insurrection, or in consequence of such service or being engaged in 
 the manufacture of gunpowder, dynamite or other explosive substances, or in a duel or viola- 
 tion of law, and shall be null and void in case of the death of the insured from any of these 
 causes, but on its surrender within six months thereafter, with satisfactory proofs of death, 
 the net reserve (computed by the American Table of Mortality and interest at four and one- 
 half per cent.), after deducting all indebtedness to the company, will be paid therefor. 
 
 Surplus will be apportioned to, this Policy only at the expiration of each period of five 
 years from the date of the commencement of the insurance, and then only if this Policy is in 
 force. Such apportionments will be made in the form of reversionary additions ; but the value 
 of the same may, at the option of the insured, be taken in cash, or applied to the reduction of 
 premiums during the next five-year period, or to the permanent reduction of all future pre- 
 miums. "When the value is taken in cash, payment shall be made to the insured, and his re- 
 ceipt shall be a valid release to the company. 
 
 Besides the surplus to be apportioned at the expiration of each five-year period as above, 
 if this Policy shall become a claim by death during the first or any succeeding five-year period, 
 a mortuary dividend of fifty per cent, of the premiums paid in the five-year period in which 
 death occurs will be apportioned and paid with the amount of the Policy. 
 
 This Policy maybe surrendered to the company at the expiration of the first or any subse- 
 quent five-year period, upon thirty days' previous written notice. At the expiration of the 
 first period, eighty per cent, of its reserve (computed as hereinbefore specified), and in addi- 
 tion thereto the surplus then apportioned, will be allowed as a surrender value. At the end 
 of any subsequent period the entire reserve (computed as hereinbefore specified), and in ad- 
 dition thereto the surplus then apportioned, will be allowed. The above cash values will not 
 be allowed for a surrender at any other time. 
 
 30 
 
I 
 
 Proofs of death under this Policy shall be furnished to the company at its office in the City 
 of New York within one year after death, and shall include sworn statements on the com- 
 pany's forms, as follows: (1) a statement from each claimant; (2) a statement from each phy- 
 sician who attended the deceased within a year before death; (3) a statement from a respon- 
 sible householder who knew the deceased; (i) a statement from the undertaker; (5) a state- 
 ment from the clergyman, whenever one officiates. All questions must he fully answered, 
 and the omission of any of the answers or statements required must be satisfactorily explained 
 or supplied by other proofs. 
 
 Any assignment of this Policy must be made in duplicate, and both copies must be sent 
 to the home office for acknowledgment, one of them to be retained by the company. Under 
 no circumstances will the company assume any responsibility for the validity of any assign- 
 ment. 
 
 FROM NEW YORK LIFE APPLICATION (FIVE YEAR DIVIDEND POLICY). 
 
 Does the party agree not to reside or travel within the Tropics, and not to engage in blast- 
 ing, mining, submarine operations, aeronautic ascensions, or in service upon any railroad 
 train, or in switching or coupling cars, or upon any steam or other vessel, during the next 
 two years following the date of any Policy issued hereon, without first obtaining written per- 
 mission from this company? 
 
 Any Policy issued under this application will contain an agreement that, if it shall lapse 
 or become forfeited for the non-payment of any premium after being in force three full years, 
 a Paid-up Policy will be issued on demand made within six months after such lapse with 
 surrender of the Policy, under the same conditions as this Policy except as to payment of 
 premiums, but without participation in profits, for such an amount as the net reserve on 
 the Policy at the time of lapse, computed by the American Table of Mortality, and interest at 
 four and one-half per cent., after deducting all indebtedness to the company, will pur- 
 chase as a single premium at the present published rates of the company, at the age of the 
 insured at the time of lapse, if an Ordinary Life Policy, or for such an amount as shall be 
 represented by as many proportional parts of the sum insured as there shall have been com- 
 plete annual premiums paid thereon when the lapse or default above referred to shall first be 
 made, if a Limited-Payment Life Policy or an Endowment Policy. 
 
 In consideration of this agreement, is all right, claim or interest to or in any temporary | 
 insurance, surrender- value, or other paid-up Policy, whether required or provided for by the B 
 statute of any State or not. specifically waived and relinquished? 
 
 -Ido hereby declare that the person above named, on whose life insurance is applied 
 for, is now in good health, and does ordinarily enjoy good health, and that in the above appli- 
 cation I have not withheld any circumstance or Information touching the past or present state of 
 health or habits of life of said person with which the NEW YORK LIFE INSURANCE COM- 
 PANY ought to be made acquainted. (And that I have an interest in the life of the said 
 person to the fall amount of The sum hereby applied for.) 
 
 And I do hereby agree as follows : 1. That the statements and representations contained 
 in the foregoing application and declaration, together with those made to the medical exam- 
 iner by the person above named, on whose life insurance is applied for, shall be the basis of 
 the contract between me and the said company; that I hereby warrant the same to be full, 
 complete and true, whether written by my own hand or not, and that if the same or any of 
 them are in any respect untrue, the Policy which may be issued hereon shall be void, and all 
 moneys which may have been paid on account of such insurance shall be forfeited to said 
 company. 2. That, inasmuch as only the officers at the home office of the company, in the 
 City of New York, have authority to determine whether or not a Policy shall issue on any 
 application, and as they act on the written statements and representations referred to, no 
 statements, representations or information made or given by or to the person soliciting or 
 taking this application for a Policy, or by or to any other person, shall be binding on the 
 company, or in any manner affect its rights, unless such statements, representations or 
 information be reduced to writing and presented to the officers of the company, at the home 
 office, in the applications and declarations above referred to. 3. That in any distribution of 
 surplus, the principles and methods which may be adopted by the company for such distribu- 
 tion, and its determination of the amount equitably belonging to any Policy which may be 
 issued under this application, shall be and are hereby ratified and accepted by and for every 
 person who shall have or claim any interest under the contract now proposed. 4. That under 
 no circumstances shall the Policy hereby applied for be in force until the actual payment to, 
 and acceptance of the premium by, the company or its authorized agent during the lifetime 
 and good health of the person on whose life insurance is applied for. 5. That the whole or 
 any part of the risk herein proposed may be re-insured. 6. That the entire contract con- 
 tained in the said Policy and in this application taken together shall be construed and inter- 
 preted as a whole, and in each of its parts and obligations, according to the laws of the State 
 of New York, the place of the contract being expressly agreed to be the principal office of the 
 said company, in the City of New York, and unless otherwise mutually agreed in writing, no 
 suit shall be brought against the company upon this Policy, except in the courts of that State 
 or in the circuit or district courts of the United States, nor shall any such suit be brought 
 after the lapse of one year from the time when the cause of action accrues. 
 
 * This agreement form is in the application of all Policies. 
 
 31 
 
NORTHWESTERN MUTUAL POLICY. 
 
 Conditions referred to in Policy. 
 
 1st. If the said premiums shall not be paid at or before the times within mentioned for 
 the payment thereof, whether notice of such payment falling due has been received or not, 
 then, and in every such case, this Policy shall cease and determine ; and no premium after the 
 first, hereby acknowledged, shall be considered paid unless a receipt shall be given therefor, 
 signed by the president or secretary, and the payment and receipt of any premium less than 
 a full annual shall not have the effect to continue this Policy in force longer than three 
 months in case of a quarterly payment, or six months in case of a semi-annual payment. 
 
 2d. If, within three years from the date hereof, the said insured shall pass south of the 
 Tropic of Cancer, or shall be personally engaged in blasting, miuing or submarine operations, 
 or in the production of highly inflammable or explosive substances, or as engineer or fireman 
 of any locomotive engine, or in switching or coupling or uncoupling cars, or be employed in 
 any capacity on the trains of a railroad, except as passenger or sleeping-car conductor, mail 
 agent, express messenger or baggage master, or in ocean navigation, or shall enter or be en- 
 gaged in any military or naval service whatsoever (except in time of peace), or shall undertake 
 an aerial voyage, or shall die in consequence of a duel, or shall, whether sane or insane, die 
 by his own hand, then, and in every such case, this Policy shall be null and void. 
 
 3d. If any statement made in the application for this Policy shall be found incorrect, this 
 Policy shall be void; provided that if the age has been given correctly and death shall occur 
 later than three years from the date hereof, and if this Policy shall not have been declared 
 void by the company prior to such death, the liability of the company shall not, after such 
 death, be disputed on account of such statement, except in case of fraud. 
 
 4th. In every case where this Policy shall cease or become void, all payments thereon 
 shall be forfeited to the company, except that a paid-up Policy may be issued as within con- 
 ditionally provided. 
 
 5th. If the said insured becomes habitually intemperate, or so far intemperate as either 
 to impair health, or induce delirium tremens, then and in either s^ch case the company may, 
 during his lifetime, cancel this Policy, and thereupon shall be absolved from all liability 
 upon the same, except only that it shall pay the amount of the reserve, computed according 
 to the now existing standard of the State of Wisconsin, if this Policy be surrendered in the 
 lifetime of the insured and within one year from the cancellation of the same. 
 
 6th. If this Policy shall be assigned, a duplicate of the assignment shall, within thirty 
 days, be given to the company, and due proof of interest shall be produced on making claim. 
 
 7th. This Policy is a contract made and to be performed in the State of Wisconsin, and 
 shall be construed only according to the charter of the company and laws of said state. 
 
 FEOM NORTHWESTERN MUTUAL APPLICATION. 
 
 Do you understand and agree that no statements, representations or information made or 
 given by or to the person soliciting or taking this application for a Policy, or to any other 
 person, shall be binding on the company, or in any manner affect its rights, unless such state- 
 ments, representations or information be reduced to writiDg, and presented to the officers of 
 the company at the home office in the above application ? 
 
 It is hereby declared and agreed that all the statements and answers written on this applica- 
 tion are warranted to be true, and to be full and fair answers to the foregoing questions, with- 
 out evasion or concealment, and are offered to the company as a consideration of the con- 
 tract, which shall not take effect until the first premium shall have been actually paid during 
 the life of the person herein proposed for insurance, and while he is in good health; and that, 
 in consideration of the provision made in the Policy for a surrender value in paid-up insur- 
 ance, all right or claim to any other surrender value than that so provided, whether required 
 by a statute of any state or not, is hereby relinquished. 
 
 3k5 
 
PENN MUTUAL POLICY. 
 
 If this Policy shall become void, all payments previously made upou it shall be forfeited 
 to the company! but if the lapse shall occur by non-payment of premium after two full annual 
 premiums have been paid, the company will, subject to the other conditions of the Policy: 
 
 First— Extend, without participation, the full amount insured by this Policy for as many 
 years and days as the full reserve, by the actuaries four and one-half per cent. Table of Mor- 
 tality, at the time of such lapse (less any indebtedness upon this Policy under the company's 
 rules), will carry the same at the present established rates of the company; but if death shall 
 occur within three years after such lapse by non-payment of premium, and during such ex- 
 tension of insurance, there shall be deducted from the amount payable the sum of all the 
 accrued premiums (less surplus), with interest thereon. 
 
 Or Second.— Upon written application by the owner of this Policy, and the surrender of 
 all claims thereunder to the company at its home office within sixty days after such lapse, will 
 grant non-participating, paid-up insurance payable at death, for such sum as the above de- 
 scribed net value will purchase at the then age of the insured at the rates of the company 
 printed upon the back of this Policy. 
 
 The insured under this Policy is permitted to serve in the militia, or in the military or 
 naval forces of the United States in time of peace, without prejudice to his Policy ; and he may 
 so engage or serve in time of war, upon payment of an extra premium therefore not to exceed 
 three per centum per annum upon the amount insured. But should such extra premium for 
 war hazard be unpaid at the time the risk is incurred, this Policy shall not be invalidated | 
 thereby, but such premium shall be a lien thereon, and be deducted, with interest, at its 
 maturity. Notice of active service in time of war shall be given to the company as soon as 
 may reasonably be done. 
 
 Should the age of the insured be incorrectly stated, the amount payable hereunder shall 
 be such proportion of the sum insured as the premium paid bears to the required premium at 
 the correct age of the insured. 
 
 Proofs of death shall be furnished within six months after the ascertained death of the 
 insured, and in the form prescribed by the company. 
 
 Any assignment of this Policy shall be attached hereto, and a duplicate thereof furnished 
 said company ; and any claim against this company arising under this Policy, made by any 
 asignee, shall be subject to proof of interest; but in no case does the company guarantee the 
 validity of an assignment. 
 
 No agent shall have power to alter or change in any way the terms of this contract, or to 
 waive forfeiture or to write anything on this Policy. Receipts for premiums are not valid 
 unless signed by either the president, vice-president, secretary and treasurer, or actuary of 
 the company. 
 
 FP*OM PENN MUTUAL APPLICATION. 
 
 I hereby ivarrant and agree, That I am temperate in my habits, now in good health, and 
 ordinarily enjoy good health, and that in the statements and answers in this application no 
 circumstance or information has been withheld touching my past and present state of health 
 and habits of life, with which the Penn Mutual Life Insurance Company ought to be made 
 acquainted ; and that if within two years from this date I shall die by my own hand ; or, 
 without the written consent of the company, visit the Torrid Zone, personally engage in the 
 occupations of blasting, mining, submarine operations, or in the manufacture, handling or 
 transportation of explosives, or in service on any railway train, or on a steam or sailing vessel, 
 or in naval or army service in time of war ; any Policy issued on this application, shall there- 
 upon cease and determine ; and that the statements and answers to the printed questions 
 above, together with this declaration, as well as tho?e to be made to the company's medical 
 examiner, shall constitute the application, and be the basis of this contract, and that the 
 place of contract shall be the City of Philadelphia, State of Pennsylvania. 
 
 33 
 
PHCENIX MUTUAL POLICY. 
 
 This Policy is issued and accepted upon the following express conditions and agreements: 
 
 That if the death of the said insured shall at any time occur while visiting or residing in 
 any part of the Western Hemisphere lying south of the' thirty-second parallel of north lati- 
 tude (excepting in the United States from the first day of November in each year to the first 
 day of July next following), or of the Eastern Hemisphere south of the forty-second parallel 
 of north latitude or east of the fortieth meridian of longitude east from Greenwich, or while 
 engaged as an employee in any capacity upon any vessel or railroad, or in any military or 
 naval service (the militia when not in actual service excepted), without the written consent 
 of this company previously given, or in case of the death of the said insured by self-destruc- 
 tion (except upon proof that the same is the result of disease or of accident occurring without 
 the voluntary act of the insured), or from the violation of law or the use of intoxicating 
 liquors by the said insured, then, in either of the foregoing cases, or in case of any untrue 
 statements or suppression of facts in the application for this Policy, this company shall only 
 be liable under this Policy for the amount of the paid-up insurance to which the owner of 
 this Policy would at the date of the death of the said insured be entitled, according to the 
 provisions hereinafter set forth. 
 
 That all permits for residence, travel or occupation which may be granted, and all other 
 agreements, to be binding on this company, must be in writing and signed by its president or 
 secretary, and that no agent or other person can alter, modify or waive any of the terms or 
 1 conditions of this Policy. 
 
 That this Policy shall not take effect until the advance premium hereon shall have been 
 paid during the lifetime of the insured, and that if any subsequent premium hereon be not 
 paid when due, and a separate receipt, signed by the president or secretary of this company, 
 in each case given therefor, then this Policy shall cease; but when, after three or more full 
 years' premiums shall have been paid hereon, this Policy shall cease for non-payment of any 
 premium Avhen due, then and thereafter this company shall be liable under this Policy for a 
 sum of non-participating paid-up insurance, in accordance with the printed table on the back 
 of this Policy, payable as above, at death, or at the date provided for the maturity of this 
 Policy, and subject to any indebtedness of the insured or assured to the company. 
 
 That any claim under this Policy shall be presented in writing to the company at its home 
 office, in Hartford, Conn., and shall contain full answers, under oath, to the questions in the 
 company's blanks, and no suit shall be brought against the company, under this Policy, after 
 two years from the death of the insured, or expiration of the term of this insurance. 
 
 FROM PHCENIX MUTUAL APPLICATION. 
 
 Are you aware that in case there are any untrue statements or answers to the above ques- 
 tions, or any suppression of facts in regard to your health, habits or circumstances, the com- 
 pany will be liable only for the amount of the paid-up insurance to which the Policy by its 
 terms may be entitled? Have you carefully read over the questions and answers thereto? 
 Do you understand that all policies and agreements, to be binding upon this company, must 
 be signed by its president, vice-president or secretary? 
 
 It is hereby agreed that this application shall form the basis of the contract of 
 insurance herein applied for, and that the same shall form part of said contract as fully as if 
 therein recited, and that all answers and statements contained in this application are, and 
 shall be taken to be, strict warranties. The contract of insurance herein applied for shall be 
 completed only by delivery of the Policy and payment of the premium. It is also agreed and 
 warranted that this application has been made, prepared and written by the applicant or by 
 his own proper agent, and that the assurer is not to be taken to be responsible for its prepara- 
 tion, or for anything contained therein or omitted therefrom; and that in case of any untrue 
 answers or statements herein, or supprtssion of any fact, the company shall be liable only for 
 the amount of the paid-up insurance to wliich the Policy by its terms may be entitled. 
 
 34 
 
THE PROVIDENT LIFE AND TRUST CO. OP PHILADELPHIA. 
 (Ordinary Endowment Policy). 
 
 In consideration of the representations and stipulations made in the application for this 
 
 Policy, which are hereby made part of this contract, and of the first premium of now 
 
 duly paid by and of the premium of to be paid on or before the 
 
 day 01 every mouth in every year hereafter during the continuance of this Policy, 
 
 docs covenant and bind itself to pay at its office in the City of Philadelphia the sum of 
 
 to of County. State of or to assigns upon the day of 
 
 ., month, provided the said shall be living at that date. But in the 
 
 event of decease before that date, then to pay at its office aforesaid the sum insured, to 
 
 executors, administrators, or assigns, within sixty days aftey-due notice and satis- 
 factory proof in writing, of the death, during the continuance of this Policy, of the said per- 
 son whose life is hereby assured as above. Any unpaid portion of the current year's premium 
 shall first be deducted. 
 
 Provided always, And it is hereby declared to be the true intent and meaning of this 
 Policy, and the same is issued, and accepted by the assured, upon the following express con- 
 ditions and agreements :— 
 
 First.— If Avithin two years after the issue of this Policy the said person Avhose life is here- 
 by assured shall die by his or her own hand or act, unless proof of insanity shall be furnished, 
 or shall within that time and without the consent in writing of this company previously ob- 
 tained, travel or reside south of the parallel of 36° 30* north latitude between the first day of 
 Seventh month (July) and the first day of Eleventh month (November), or shall be personally 
 engaged in blasting, mining, submarine operations, or the production of highly inflammable or 
 explosive substances, or as an engineer, fireman, brakesman, or conductor, upon any railroad, 
 or be engaged in any capacity upon any steam or other vessel, or shall at any time during the 
 continuance of this Policy be employed in any military or naval service whatsoever (the 
 militia not in actual service excepted), this Policy shall be null and void. 
 
 Second.— If the premiums as herein stipulated shall not be paid on or before the days above 
 appointed for the payment thereof, at the office of this company in the city of Philapelphia, 
 or to agents elsewhere, when they produce receipts signed by the president or actuary, this 
 Policy shall become null and void, and this company shall not be liable for the payment of 
 the sum assured, or any part thereof. If, however, the said premiums have been duly paid 
 for the first two years of this assurance, and this Policy shall be surrendered and released in 
 writing to the company, a paid-up Policy shall be issued for an amount proportioned to the 
 number of full yearly premiums paid. 
 
 Third.— Whenever this Policy shall become null and void, by reason of non-payment of 
 the premiums thereon, or through violation or neglect by the assured of the stipulations con- 
 tained herein, or in the application upon which it is issued, all payments theretofore made 
 hereon shall be forfeited to and become the property of the company. But this shall not be 
 held to deprive the assured from obtaining a paid-up Policy upon fulfilling the conditions 
 above expressed. 
 
 Fourth.— No assignment of this Policy shall be of any force or effect unless made in writ- 
 ing and recorded by the company on its books. No receipt for renewal premiums, nor per- 
 mit, nor any alteration or discharge of the contract, nor waiver of forfeitures under the same, 
 shall be valid unless signed by the president or actuary. 
 
 In witness whereof, The said THE PROVIDENT LIFE AND TRUST COMPANY OF 
 PHILADELPHIA has, by its president and actuary, signed and delivered this contract, this 
 day of month, one thousand eight hundred and eighty 
 
 f Seal of 1 President. 
 
 I ihe I- Attest: 
 
 Company J 
 
 Actuary, 
 
 FROM APPLICATION PROVIDENT LIFE AND TRUST. 
 
 It is hereby declared and agreed by the undersigned, that the foregoing application and the 
 several answers to the interrogatories therein propounded are true, and that if a Policy of 
 j insurance shall be issued by said company under this application, the same and the questions 
 | and answers therein shall be deemed the basis of the contract expressed in said Policy: and 
 I if any untrue or fraudulent statement be found to be contained therein, then all moneys 
 I which shall have been paid on account of such insurance shall be forfeited to the said com- 
 j pany, and the Policy of insurance made on the faith of this declaration and the above pro- 
 posal shall become null and void and of no effect. 
 
 35 
 
STATE MUTUAL POLICY. 
 
 This Policy is issued and accepted upon the folloiving conditions: 
 
 The assured may reside and travel in the United States and the British Provinces, and 
 may make voyages along the coasts thereof, and may go to, return from, reside and travel in 
 Europe and the islands of the Pacific Ocean at all seasons, and the West Indies between the 
 months of November and May inclusive. 
 
 The assured shall not, without first having obtained permission from the company, for 
 which an extra premium may be charged, exceed these limits of travel and residence, nor 
 engage in blasting, mining and submarine labor, nor in the manufacture, handling or trans- 
 portation of inflammable or explosive substances, nor in service upon any railroad, steamboat 
 or vessel, nor in military or naval service (the militia in time of peace excepted). 
 " If the assured shall die by his own hand, or in consequence of the violation of law within 
 three years from the date hereof, the company shall be liable only for the legal net reserve on 
 this Policy at the time of his death. 
 
 All premiums must be paid to the company at its home office in Worcester, or to some 
 duly authorized agent in exchange for the company's receipt, signed by the president or 
 secretary. 
 
 Unless the premium on this Policy shall be paid as herein specified, this Policy shall 
 become void, except as provided by the statutes of the Commonwealth of Massachusetts now 
 in force. 
 
 The company shall have a lien on this Policy, and any amount which may become due 
 under it, to secure any indebtedness due the company from the assured. 
 
 This Policy shall not take effect until the first premium is actually paid, and agents are 
 not authorized to deliver the Policy until after such payment. 
 
 It is agreed that no suit shall be brought against the company on any claim under this 
 Policy unless it is begun within three years after the death of the assured and within two 
 years from the time when the right of action accrues; and it is understood that no agent has 
 any authority to make any contract binding the company, and that no alteration or waiver of 
 the terms of this Policy, or permission required under it, shall be valid, unless made in 
 writing and signed by the president, vice-president or secretary. 
 
 No assignment of this Policy shall take effect until it has been registered with the com- 
 pany, but such registration shall not be construed as confirmation of the legality of the 
 assignment. 
 
 FROM STATE MUTUAL APPLICATION. 
 
 I, the applicant for insurance, do declare and warrant that I am now in good health, and 
 that I do usually enjoy good health, and that the foregoing answers and statements are correct 
 and true; that I have not concealed or withheld any circumstances in relation to the past or 
 the present state ©f my health, habits of life, "or condition, which may render an insurance on 
 my life more than usually hazardous, or with which the directors of said company ought to 
 be made acquainted. 
 
 And I do hereby agree that this declaration and the answers given to the foregoing ques- 
 tions, and to the questions in the medical certificate, and the statements made in this appli- 
 cation, and in the said medical certificate, shall be the basis and form part of the contract or 
 Policy between me and the said company, and that, if the same be not in all respects true and 
 correctly stated, the Policy shall be void, and all moneys which may have been paid on 
 account thereof shall be forfeited to said company. And I further agree that the insurance 
 hereby proposed shall not be binding on said company until the amount of premium required 
 therefor shall be received by said company, or by an accredited agent thereof, in my lifetime. 
 
 36 
 
TRAVELERS POLICY. 
 
 All premiums are payable at the home office in Hartford, Conn., hut will be accepted if 
 paid to an agent in exchange for a receipt signed by its president or secretary, and counter- 
 signed by the agent designated thereon. This Policy shall not take effect unless the first 
 premium is paid while the insured is in good health ; and if the second or third annual pre- 
 mium be not fully paid when due, this Policy and all claims under it shall be void, and the 
 premiums already paid shall be forfeited to this company. 
 
 In case of default in payment of any premium after the third, this Policy will remain in 
 force for the term specified in the table of "Paid-up Term Insurance" indorsed hereon — pro- 
 vided, however, that in case of the death of the insured within three years from the date of 
 such default, the unpaid premiums, with interest, shall be deducted from the amount insured, 
 or in lieu of such Term Insurance, a Paid-up Policy will be granted for the amount specified 
 in the table of "Paid-up Policy Values" indorsed hereon, provided this Policy is legally 
 surrendered therefor at the home office within three months from date of lapse. 
 
 At the end of the fifth and every subsequent fifth year from date of issue, the cash value 
 specified in table of " Cash Surrender Values," indorsed hereon, will be paid for this Policy, 
 provided it shall be in force under its original conditions, and is legally surrendered therefor 
 to the home office within thirty days from the close of such period. 
 
 Xo assignment hereof will be noticed by this company unless made in writing, the 
 original or a copy attached hereto, and a copy furnished this company immediately on its 
 execution ; but this company will not be held responsible for its validity. 
 
 FPOM TRAVELERS APPLICATION. 
 
 Do you agree not to reside or travel in any part of the Torrid Zone, and not to engage in 
 any specially hazardous occupation or employment, as stated in marginal note, during ihe 
 next two years following the date of issue of the Policy for which application is hereby made, 
 without first obtaining the written permission of this company? 
 
 Do you agree that in case of suicide, committed while sane or insane, within two years 
 from date of the Policy hereby applied for, the limit of recovery thereunder shall be the 
 amount of premiums paid thereon? 
 
 I hereby declare and warrant: 1. That each and all of the answers and declara- 
 tions made in both parts of this application, relating to questions of fact, are absolutely 
 correct and true, and that all such answers have been made without evasion, reservation or 
 concealment in any particular. 
 
 2. That all answers made to questions relating to physical disorders, symptoms or treat- 
 ment of disease, and family history, involving the exercise of an opinion, judgment or belief, 
 have been made in good faith, and to the full extent of my information, knowledge and belief. 
 
 3. That I hereby waive all personal or statutory rights which I may have to object to the 
 testimony of any physician or surgeon, whether consulted by me or not, so far as he may have 
 professional or expert knowledge of the facts or information sought for by the interrogatories 
 in this application. 
 
 4. That this application shall form part ox the insurance contract hereby applied for, and 
 that any evasion, concealment or untrue declaration as to any of the foregoing interrogatories 
 shall render such contract wholly void and of no effect. 
 
 5. That the Policy, if granted, shall be held and treated as having been issued and deliv- 
 ered in Hartford, Conn., and shall be construed and determined in accordance with the laws 
 of said State, and that the paid-up insurance and surrender value provided by the Policy shall 
 be in substitution of and treated as a waiver of all other statutory provisions in case of lapse 
 or surrender. 
 
 6. That no agent of the company shall have any power to waive or modify any of the 
 conditions of said insurance contract. 
 
 7. That the Policy applied for shall not take effect unless the advance premium is paid 
 while I am in good health. 
 
 8. That I have reviewed and considered all of the answers above made, and hereby con- 
 firm the same as the basis of the Policy applied for. 
 
 37 
 
UNION CENTRAL LIFE RATE ENDOWMENT POLICY. 
 
 In coxsideratiox of the statements made in the application for this Policy, and which 
 
 application is hereby made a part of this contract, and of the payment of the sum of 
 
 dollars, at the home office of the company, on or before the day of at noon 
 
 in every year during the term of years from date hereof, does insure the life of 
 
 of in the county of in the State of in the amount of dollars, for the 
 
 term of natural life, or until prior maturity, for the benefit of the insured, if living at the 
 
 maturity of this Policy. In case of the death of the insured prior to such maturity, said 
 
 amount of insurance shall be payable to if living, otherwise to the executors, 
 
 administrators, or assigns of the insured. 
 
 The company further agrees to pay to the insured the amount of said insurance at its office, 
 in the city of Cincinnati, Ohio, whenever the premiums paid on this Policy and its equitable 
 proportion of the company's profits combined, less its share of losses and expenses, equal the 
 amount of the Policy. 
 
 In case of the death of the insured prior to the maturity of this Policy, the same being 
 in force, the company will pay the amount named herein within sixty days after the receipt 
 of notice and satisfactory proof of death, the balance of the year's premium, if any, and all 
 other indebtedness to the company, being first deducted. 
 
 After three years" premiums have been paid, the company will, upon legal surrender of 
 this contract while in force, issue a paid-up, non-participating Life Policy for the amount 
 named in table "A" on the following page. In case of default for non-paynient of premium 
 after three years, and no legal surrender having been made, as above provided, then this 
 Policy shall, without surrender, become a Paid-up Term Policy, without change of terms or con- 
 ditions, except as to the payment of premiums and participation in profits, and continue in 
 force for such time as one annual premium on this Policy is contained in its reserve value, 
 according to the American four per cent. Table of Mortality, at the end of which time this 
 contract shall cease. In case the insured dies while the said Term Policy is in force, the 
 amount of foreborne premiums, with annual interest at six per cent., shall be deducted from 
 the sum insured. 
 
 It is further agreed that, at the maturity of this Policy as an endowment, the insured, or 
 the legal holder hereof, shall be paid the said sum of S in cash. 
 
 Or, in lieu thereof, he may apply the said sum to the purchase of an annuity, according to 
 Table " B." given on the following page. 
 
 Or he may apply the said sum to the purchase of a Paid-up Life Policy, with participation 
 in profits, according to Table " C," on the following page, provided he shall at that time fur- 
 nish a satisfactory medical examination. 
 
 This Policy is issued and accepted upon the further conditions and agreements contained 
 on the following page, which are made a part of this contract, and which contract shall be 
 held and construed to have been made in the city of Cincinnati, Ohio. 
 
 In witness whereof, THE UNION CENTRAL LIFE INSURANCE COMPANY, by its presi- 
 dent or vice-president, and secretary, signs this contract at Cincinnati, Ohio, this day of 
 
 One Thousand Eight Hundred and Eighty 
 
 President. 
 
 Secretary. 
 
 CONDITIONS AND AGREEMENTS. 
 
 First.— This Policy shall not be valid or binding until the first premium is paid to the 
 company or its authorized agent, and the receipt hereto attached, countersigned by the com- 
 pany's agent, and delivered during the lifetime of the insured; and all premiums or notes, or 
 interest upon notes given the company for premiums, shall be paid on or before the days 
 upon which they become due, at the company's office, in the city of Cincinnati, or to the 
 authorized agent of the company, he producing a receipt therefor, signed by the president, 
 vice president or secretary. 
 
 Second.— The insured shall not, without the written consent of the company, keep a liquor 
 saloon, or personally engage in blasting, mining or submarine operations, or serve in any 
 capacity on any vessel, boat or railway train, or in the production of highly inflammable or 
 explosive substances, or enter any military or naval service whatsoever, the militia excepted. 
 
 Third.— In case the person whose life is insured shall become intemperate in the use of 
 intoxicating liquors or opium, or in case any of the statements or declarations made in the 
 application for this Policy are in any material respect untrue, or if there has been a suppres- 
 sion of any facts relating to the health or circumstances of the insured affecting the interests 
 of the company, the company may, at its option, cancel this Policy; and its reserve value, 
 calculated by the American six pa cent. Table of Mortality, less any outstanding indebted- 
 ness against the Policy, shall, in case of such cancellation, be paid to the legal owner of the 
 Policy. 
 
 Fourth.— In case the insured shall die in consequence of the violation of law, or shall 
 become a drunkard, or have delirium tremens, this Policy shall become null and void. 
 
 Fifth.— Should the insured die during or by reason of the violation of any of the condi- 
 tions and agreements specified above in paragraphs 2, 3 and 4, then the reserve value only 
 of this Policy, at the time of death, calculated by the American six per cent. Table of Mor- 
 tality, shall be paid. 
 
 38 
 
Sixth.— Upon the violation of any of the foregoing conditions, this Policy shall be null 
 and void, without action on the part of the company, or notice to the insured or beneficiary, 
 and all payments made hereon, and all accrued surplus or profits, shall be forfeited to the 
 company, excepting as provided in the foregoing 5th paragraph. 
 
 Seventh. — In case this Policy should be assigned or held as security, written notice thereof 
 shall be given to the company, and due proofs of interest produced with proofs of death. 
 
 Eighth.— The contract of insurance between the parties hereto is completely set forth in 
 this Policy and the application for the same, and none of its terms can be modified, nor any 
 forfeiture under it waived, save by an agreement in writing signed by the president, vice- 
 president or secretary of the company, whose authority for this purpose shall not be delegated. 
 
 Ninth.— l$o suit to recover under this Policy shall be brought after one year from the 
 death of the insured. 
 
 Tenth.— Self-destruction by the insured, whether sane or insane, within three years from 
 the date hereof, is not a risk assumed by the company under this contract. 
 
 Eleventh. — After three years from the date of this Policy it shall be incontestable for any 
 cause, excepting the violation of the above conditions regarding the occupation of the insured, 
 the intemperate use of intoxicating liquors, non-payment of premium or of notes given for 
 the same, and misstatement as to age. 
 
 FROM UNION CENTRAL APPLICATION. 
 
 I hereby agree and warrant that, should the company issue a Policy upon this application, 
 its interests shall not be affected by verbal statements made to its agents or others, or by the 
 knowledge of such agent, but that it shall be affected only by the statements herein made, | 
 which it is agreed shall be deemed true, full and correct, as facts upon which, as such facts 
 said company shall issue the Policy here applied for, if one is issued hereon. 
 
 FROM STATEMENT TO THE MEDICAL EXAMINER. 
 
 I hereby further declare that I have read and understand all the above questions put to 
 me by the medical examiner, and the answers thereto, and that the same are true, and that I 
 am the same person described as above, and I hereby, for myself, and for all o'hers who may 
 in any event have or claim any interest in the insurance hereby applied for, do request and 
 authorize any physician or person having any knowledge or information, acquired profes- 
 sionally or otherwise, touching matters herein referred to or involved, and also as to any 
 disease or sickness I may have hereafter, to disclose the same fully, at any time, at the instance 
 of the said insurance company, hereby waiving any privilege that may be supposed to be con- 
 nected therewith. 
 
UNION MUTUAL. POLICY. 
 
 Provisions and Requirements Referred to in this Policy. 
 
 If any statement made in the application for tbis Policy be in any respect untrue, the con- 
 sideration of tbis contract sball be deemed to have failed, and the company shall be without 
 liability under it. But the company hereby waives all defenses under this article, except for 
 fraud, if the death of the party insured occurs after three years from the date hereof. But, 
 if the age of the party insured is not correctly stated in the application, no more insurance 
 will be paid hereunder than the amount that the premiums charged would have purchased 
 at the rates for the insured's true age in use at the date of this policy, 
 
 If, within three years from the date hereof, the person insured hereby shall die in conse- 
 quence of the violation of law, or by disease, violence, or accident brought about by intoxi- 
 cation, or shall impair his health by narcotics or alcholic stimulants, or shall have delirium 
 tremens, or if, without the written consent of the company, signed by the president or secre- 
 tary thereof, he shall pass or remain beyond the limits of residence and travel, or shall per- 
 sonally engage in blasting, mining, submarine labor, aeronautic travel and excursions, the 
 manufacture, handling, or transportation of inflammable or explosive substances, service 
 upon any railroad, steamboat, or other vessel or boat (except conductors and engineers on 
 railroads, and masters, supercargoes, mates, and other officers of vessels), military and naval 
 service of every kind, whether as combatant or non-combatant, the militia in time of peace 
 excepted, the company shall be released from all liability on account of this contract. 
 
 It is hereby declared and agreed that the self-destruction of the person within three 
 years from the date hereof — whether voluntary or involuntary, and whether he be sane or 
 insane at the time — is not a risk assumed by the company in this contract ; but in every such 
 case the company will, upon demand made and the surrender of this Policy accompanied with 
 satisfactory proofs of such death within ninety days after its occurrence, pay the net reserve 
 upon it held by the company at the beginning of the year in which death occurs, calculated 
 by the Combined Experience Table of Mortality, with interest at the rate of four per centum 
 per annum, first deducting therefrom any indebtedness which shall have accrued to the com- 
 pany on account of this contract. 
 
 The contract between the parties hereto is completely set forth in this Policy and the ap- 
 plication therefor, taken together; and none of its terms can be modified, nor any forfeiture 
 under it waived, except by an agreement in writing, signed by the president or secretary of 
 the company, whose authority for this purpose will not be delegated. And it is further de- 
 clared and agreed, tbat in case the obligation of the company under this contract be defeated 
 by the failure of any of the considerations, or by the violation of any of the covenants or con- 
 ditions recited or referred to herein, all payments which shall have been made to the com- 
 pany on account of this contract shall be forfeited to the company. 
 
 The proofs of the death by which this contract matures must be furnished to the company 
 within one year after such death; and no action shall be commenced upon this Policy after 
 one year from the time when the cause of action accrues; and, if any action be commenced 
 after that time, the lapse of time shall be conclusive evidence against the claim. 
 
 During three ye'ars from the date hereof, the limits of travel and residence under this con- 
 tract are between the parallels of the Tropic of Cancer and the Arctic Circle ; also to travel be- 
 tween ports within the said parallels and the Island of Cuba; also between ports on the Pacific 
 coast within said parallels and the Sandwich Islands, and residence therein, and China and 
 Japan; and to passage between said parallels in the North Atlantic and in the North Pacific 
 Oceans, by the way of the Isthmus of Darien: Travel is permitted in first-class vessels within 
 the aforesaid limits ; but travel and residence, of the person at whose death this contract 
 matures, beyond the above limits, and within the aforesaid period of three years, will release 
 the company from all liability under this contract. 
 
 All premiums are payable anuually in advance. When the premium is made payable in 
 semi-annual or quarterly instalments, that part of the year's premium, if any, which remains 
 -unpaid at tbe maturity of this contract, shall be regarded as an indebtedness to the company; 
 and, if any such payment be not made on or before the day it is due, the company shall, from 
 that day, be released from all liability under this contract, except as hereinafter provided. 
 When the premium is payable semi-annually or quarterly, in ascertaining the net value of the 
 Policy to determine the extension under the Non-Forfeiture Law, there shall be deducted 
 from the net value of the Policy (assuming net annual premiums) the net premium for the 
 unpaid quarterly or semi-annual instalments for that year; which installments shall not be 
 considered as an indebtedness, but as forborne premiums. 
 
 This company will not take notice of any assignment of this Policy, until a duplicate 
 thereof shall be delivered to the company; and under no circumstances will the company 
 assume any responsibility for the validity of such assignment. 
 
 In consideration of this Policy being subject to the Non-Forfeiture Law of the State of 
 Maine, and entitled to the extensions therein provided for. all right, claim, or interest arising 
 under the statutes of any other State, or otherwise, to or in any paid-up Policy or surrender 
 value, and to or in any temporary insurance, except as provided for in the said law of Maine, 
 | is hereby expressly waived and relinquished. 
 
 40 
 
If any premium, or instalment of a premium, on this Policy shall not be paid when due, 
 the consideration of this contract shall he deemed to have failed, and the company shall be 
 released from liability, except as hereinafter provided; and the only evidence of payment 
 shall be the receipt of the company, signed by the president and secretary. All premiums are 
 payable annually in advance at the office of the company, in the city of Portland, at the date 
 named in the Policy ; but, at the pleasure of the company, suitable persons may be authorized 
 to receive such payments at other places, but only on the production of the company's receipt 
 therefor, signed by the president or secretary. No payment made to any person, except in 
 exchange for such receipt, will be recognized by the company, or be deemed by either party 
 as valid payment. If, for any reason, a premium is received after it becomes due, it is upon 
 the express condition that the party whose life is thereby insured is, at the time of the receipt 
 of such premium, in good health, and of correct, sober, and temperate habits; and, if the fact 
 is otherwise, the Policy shall not be put in force by such receipt. And such receipt must in 
 every case be understood by the parties as an act of courtesy on the part of the company, and 
 in no case whatever as constituting any obligation on its part to waive the payment of a future 
 premium when due. In case any note, check, or draft given toward the payment of any 
 premium shall not be paid at maturity, this policy lapses in the same manner as upon the non- 
 payment of the premium when due. 
 
 FKOM APPLICATION UNION MUTUAL. 
 
 Does the party agree not to reside or travel within the Tropics, and not to engage in blast- 
 ing, mining, submarine operations, ceronautic ascensions, manufacture of dynamite, gun- 
 powder, or other explosive substances, or in service upon any railroad train, or in switching 
 or coupling cars, or upon any steam or other vessel, during the next three years following the 
 date of any Policy issued hereon, without first obtaining written permission from this 
 company? 
 
 I do hereby declare that the party above named whose life is proposed for insurance 
 is now in good health, and does ordinarily enjoy good health, and that in the above applica- 
 tion I have not withheld any circumstance or information touching the past or present state of 
 health or habits of life of said person with which the UNION MUTUAL LIFE INSURANCE 
 COMPANY ought to be made acquainted. (And that I have an interest in the life of the said 
 person to the full amount of the sum hereby applied for.) 
 
 A^ T D I do hereby agree as follows : 1. That the statements and representations contained 
 in the foregoing application and declaration, together with those made to the medical exam- 
 iner by the party above named, whose life is proposed for insurance, shall be the basis of the 
 contract between me and the said company; that I hereby warrant the same to be full, com- 
 plete and true, whether written by my own hand or not, and that if the same or any of them 
 are in any respect untrue, the Policy which may be issued hereon shall be void, and all mon- 
 eys which may have been paid on account of such insurance shall be forfeited to said com- 
 pany. 2d. That, inasmuch as only the officers at the home office of the company in the City 
 of Portland, have authority to determine whether or not a Policy shall issue on any applica- 
 tion, and as they act on the written statements and representations referred to, no statements, 
 representations, or information made or given by or to the person soliciting or taking this 
 application for a Policy, or by or to any other person, shall be binding on the company, or in 
 any manner affect its rights, unless such statements, representations, or information be re- 
 duced to writing, and presented to the officers of the company, at the home office, in the ap- 
 plication and declarations above referred to. 3. That in any distribution of surplus, the 
 principles and methods which may be adopted by the company for such distribution, and its 
 determination of the amount equitably belonging to such Policy, shall be and are hereby 
 ratified and accepted by and for every person who shall have or claim any interest under the 
 contract now proposed. 4. That it will constitute no contract of insurance until a Policy shall 
 first have been issued and delivered by the company, and the first premium thereon paid, 
 during the life of the party proposed for insurance in the same condition of health as de- 
 scribed in the application. 5. And that the entire contract contained in said Policy, and this 
 application, taken together, shall be construed and interpreted as a whole, and in each of its 
 parts and obligations, according to the charter of the said company and the laws of the State 
 of Maine, the place of contract being expressly agreed to be the office of the said company in 
 the City of Portland, in the State of Maine, and unless otherwise mutually agreed in writing, 
 no suit shall be brought against this company on this Policy except in the courts of that State, 
 or in the Circuit or District Courts of the United States, or by residence of Canada, in the 
 proper Court of the Dominion. 
 
 41 
 
V 
 
 UNITED STATES POLICY. 
 
 Upon the Agreements and Conditions fo lowing: 
 
 I. This Policy shall not take effect until the first premium nercon shall have been paid, 
 and both the receipts therefor and this Policy he delivered to the assured personally, during 
 the lifetime and sound health of the insured ; and in case any premium or payment required 
 or agreed to be made now or hereafter, in connection with this insurance, shall not be so paid 
 when due, then this contract shall become null and void, and of no effect, except that 
 
 II. After there shall have been paid under this contract three full years' premiums, if 
 default shall be made in any payment above specified, the entire reserve on this Policy, in- 
 cluding dividend additions thereon, as calculated at that date according to the American 
 Experience Table of Mortality with interest at the rate of four and one-half per cent, per 
 annum and the net annual premiums method, after deducting at their face the unpaid de- 
 ferred or fractional part of the annual premium which may belong to the then current Policy- 
 year together Avith the amount of any note, draft, indebtedness, or charge (with the interest 
 accrued thereon) against this Policy (other than such amount which may represent said de- 
 ferred or fractional premium already included), shall, on written demand made at the com- 
 pany's principal office in New York City, upon the blank forms furnished by the company on 
 application therefor, within six months after such default, and during the life of the insured, 
 be taken as a single premium to continue the insurance named in this Policy in force at its 
 full amount, for such time beyond such default as such single premium will purchase that 
 amount as (non-participating) paid-up insurance at the company's present published rates, 
 taken at the age (nearest birthday) of the insured at the date of said default, subject to all the 
 conditions and agreements of this contract: Provided, however, that if the death of the in- 
 sured occurs within three years after such default, and during such continued time of insur- 
 ance, there shall be deducted from the principal sum payable, the amount of all payments 
 that would have become due up to the time of said death, had no default occurred. 
 
 III. All premiums are payable in New York City at the company's office. No payment 
 made to any person except in exchange for a receipt therefor, signed by the president, secre- 
 tary, assistant secretary, or actuary, and in accordance with the terms and provisions of such 
 receipts, and in cash, will be valid. 
 
 IV. If any statement made in the application herefor is untrue in any respect, this con- 
 tract shall be null and void, provided, however, that discovery of the same must be made by 
 the said company and notice thereof given to the assured, within three years from the date 
 hereof; excepting always, that if the age of the insured be understated in the application, the 
 liability of the said company under this Policy at its maturity shall not be for a greater 
 amount of insurance than the premium charged would have purchased at the company's rates 
 in use at the date hereof at the true age of the life insured. 
 
 V. If, within three years from the date hereof, the insured shall die by any act of self- 
 destruction whatever, whether voluntary or involuntary, whether he be sane or insane at the 
 time ; or shall impair his health by narcotics or stimulants ; or, without the consent of this 
 company, in writing, shall travel or reside in the Torrid Zone; or shall personally engage, 
 without like consent, in blasting, mining or in submarine labor; or in the manufacture, 
 handling or transportation of inflammable or explosive substances; or in service upon any 
 steamboat, or other vessel or boat; or in military or naval serviee in time of war, this contract 
 shall become null and void. 
 
 VI. The contract of insurance is contained only in this Policy and the application [which 
 is hereby made part hereof] taken together, and none of its terms or conditions shall be mod- 
 ified or waived except in writing, signed by the president together with the secretary or 
 
 actuary. 
 
 VII. In every case where this contract would become null and void, all payments made 
 thereon shall be forfeited to the company. 
 
 VIII. This company shall not take notice of any assignment of this Policy until a dupli- 
 cate of such assignment be delivered to it, at its office in New York City. 
 
 IX. This Policy shall participate in the profits of the company as determined and de- 
 clared by the company from time to time. 
 
 X. And the said company does hereby further promise and agree that after three years 
 from the date hereof, if the premiums on this Policy are duly paid at the times and place, 
 and in the manner herein stipulated, the liability of the said company under this Policy shall 
 not be disputed. 
 
 L 
 
 42 
 
FROM UNITED STATES APPLICATION. 
 
 Does the person in the case of the lapse of the Policy applied for, specifically waive and 
 relinquish all claim, to any surrender value, paid-up Policy or temporary insurance, except as 
 and when provided for in the Policy proposed, -whether required or provided for hy Chapter 
 3-47 of the Laws of New York of 1S79. or by any other statute of any State or not? 
 
 Ir is hereby declared and agreed : 1st. That all the statements and answers in this appli- 
 cation are hereby warranted to be true, full and complete, and that this application and 
 declaration shall, with the Policy herein applied for, alone constitute the contract between 
 me and the United States Life Insurance Company in the City of New York, and no informa- 
 tion or statement, unless contained in this application, made, given, received or required, by 
 any person at any time shall lie binding on the company. 2d, That no person other than the 
 president, together with the secretary, or actuary, shall have power to alter or waive any con- 
 tract or condition on behalf of the company. 3d, That in any distribution of profits or sur- 
 plus, the determination by the company of the amount to be apportioned to any Policy issued 
 upon this application, shall be and hereby is ratified and accepted. 4th, That the whole or 
 any part of the risk herein proposed may be reinsured. 5th. That this application, its state- 
 ments, representations and agreements, together with all the conditions and stipulations con- 
 tained in the Policy hereby applied for, shall be binding on me and on any future legal holder 
 of this Policy. 
 
 43 
 
'WASHINGTON POLICY. 
 
 Conditions and agreements referred to and forming part of this Policy. 
 
 1st. The person, whose life is hereby insured is permitted to travel or reside in any part 
 of the Continent of North America, north of the Tropic of Cancer, or in any part of Europe. 
 
 2d. If the said person whose life is hereby insured shall pass beyond the aforesaid limits, 
 or shall enter any military or naval service whatsoever (the militia when not in actual service 
 excepted), without the consent of this company previously given in writing; or if any of the 
 statements or declarations made in the application for this Policy, upon the faith of which 
 this Policy is issued, shall within three years from the date hereof be found in any respect 
 untrue, or if the said premiums shall not be paid on or before the days above mentioned for 
 the payment thereof at the office of the company, in the City of New York, (unless otherwise 
 expressly agreed in writing,) or to agents when they produce receipts signed by the president 
 or secretary, then, in any and every such case, the said company shall not be liable for the 
 payment of the sum insured, or any part thereof, and this Policy shall be null and void and 
 shall cease and determine, except only in the case of the due surrender of this Policy as 
 herein provided. 
 
 3d. Notwithstanding this Policy shall lapse and become forfeited for the non-payment of 
 any premium upon the day upon which the same shall fall due, according to the terms there- 
 of, as hereinbefore contained, yet, after the payment of three annual premiums, and upon 
 demand made with surrender of this Policy within six months after such lapse by such non-pay 
 ment, this company will issue a non-participating paid-up Policy for such sum as the reserve 
 upon this Policy at the time of such lapse and forfeiture by such non-payment, according to 
 the present legal standard of the State of New York, will purchase as a single premium at the 
 company's published rates; and the paid-up insurance purchased by such surrender of this 
 Policy shall be payable at the same times and under the same conditions, except as to the pay- 
 ment of premiums, as the original Policy; provided and agreed, however, that any voluntary 
 application by the company of cash dividends as hereinafter mentioned, shall, as relates to 
 action under Chapter 347 of the Laws of New York of 1879, be taken into consideration in 
 computing the amount of the reserve thereunder. 
 
 4th. This Policy shall not lapse by non-payment of premium when due, until the period 
 shall have expired for which the cash dividends declared and standing at its credit at the 
 time of such non-payment will pay the premium at the rate called for in this Policy; and 
 when such period shall have expired, this Policy shall lapse and become forfeited. The com- 
 pany will, however, without requiring further medical examination, accept a past due 
 premium, provided no other condition of the Policy has been violated, and such premium 
 be tendered within the period thus protected by cash dividends ; and should the party insured 
 die within said period, the company will pay the amount of this Policy, whether the pre- 
 mium past due has been tendered or not. Surrender of the Policy only will supersede these 
 concessions. 
 
 5th. If this Policy should be assigned or held as security, written notice thereof shall at 
 once be given to this company by the assignor, and due proof of interest produced at the 
 maturity of the Policy. 
 
 FROM WASHINGTON APPLICATION. 
 
 It is hereby declared that the above are fair and true answers to the foregoing ques- 
 tions, and it is acknowledged and agreed by the undersigned that such answers are material, 
 and that the above statement shall form the basis of the contract for insurance, and also that 
 any untrue answers, any suppression of faets in regard to the party's health, or neglect to 
 pay the premium on or before the day it becomes due, will render the Policy null and void, 
 and forfeit all payments made thereon; also, that the Policy of insurance hereby applied for 
 shall not be binding upon this company until the amount of premium as stated therein shall 
 be received by said company, or some authorized agent thereof, during the lifetime of the 
 party therein insured. 
 
 And it is understood and agreed as follows: That the paid-up insurance purchased in 
 accordance with Chapter 347 of the Laws of New York of 1870, by the surrender of the Policy 
 issued upon this application, shall be payable at the same time, aud under the same condi- 
 tions, except as to the payment of premiums, as the original Policy, provided and agreed, 
 however, that any voluntary application by the company of the cash dividends as hereinafter 
 mentioned shall, as relates to action under said statute, be taken into consideration in com- 
 puting the amount of said paid-up insurance: the above is determined and agreed by the 
 company and the assured as a full compliance with the terms of said statute, but independ- 
 ently thereof, and having no relation thereto, but as a voluntary and additional concession 
 to the insured under this application, the company will, after the lapse and forfeiture of the 
 Policy by non-payment of any premium falling due and unpaid, pay to the assured the 
 amount of the Policy, should the party insured die at any time after such lapse and forfeiture 
 within a period in which, proportionately, such Policy might have been held in force had 
 the amount of any earned and unpaid cash dividends been paid in to the company, and 
 received by it as payment on account of premium. 
 
 44 
 
DIVIDEND COMPARISONS 
 
 
 Actual results on policies in different Companies showin 
 Policies for other amounts than $10,000 have been 
 diminished to make an exact comparison. 
 
 g a comparison of dividends, 
 proportionately increased or 
 
 
 LIFE POLICIES ISSUED IN 1885, AT AGE 49, FOR $10,000 EACH. 
 
 COMPANY. 
 
 Cost in 1885. 
 (Premium.) 
 
 Cost in 1886. 
 
 (Prem. less 1st 
 
 dividend.) 
 
 Cost in 1887. 
 
 (Prem. less 2nd 
 
 dividend.) 
 
 
 $435.60 
 456.40 
 444.60 
 464.00 
 462.00 
 450.00 
 456.40 
 
 $387.50 
 398.70 
 350.20 
 351.90 
 381.10 
 450.00 
 383.70 
 
 $380.00 
 395.50 
 C47.40 
 348.80 
 373.60 
 375.20 
 378.90 
 
 Massachusetts Mutual 
 
 Mutual Benefit 
 
 Mutual Life 
 
 Penn Mutual 
 
 *Provident Life and Trust 
 
 State Mutual 
 
 
 20-YR. ENDOWMENT POLICIES, ISSUED IN 1885, AT AGE 51, FOR $10,000 EACH 
 
 COMPANY. 
 
 Cost in 1S85. 
 (Premium.) 
 
 Cost in 18*6. 
 
 (Prem. less 1st 
 
 dividend.) 
 
 Cost in 1887. 
 (Prem. less 2nd 
 • dividend.). 
 
 Equitable of New York 
 
 Michigan Mutual 
 
 Mutual Benefit 
 
 $619.00 
 579.10 
 615.90 
 543.80 
 619.00 
 618.70 
 
 $578.98 
 527.90 
 499.50 
 500.80 
 567.78 
 618.70 
 
 $573.48 ' 
 524.70 
 495.40 
 496.40 
 562.58 
 486.28 
 
 
 
 
 
 20-YR. ENDOWMENT POLICIES, ISSUED IN 1885, AT AGE 52, FOR $10,000 EACH. 
 
 COMPANY. 
 
 Cost in 1885. 
 (Premium.) 
 
 Cost in 1886. 
 
 (Prem. less 1st 
 
 dividend.) 
 
 Cost in 1887. 
 
 (Prem. less 2nd 
 
 dividend.) 
 
 Mutual Benefit 
 
 $631.30 
 610.00 
 
 $510.30 
 541.70 
 
 $506.30 
 522.15 
 
 New England 
 
 15-YR. ENDOWMENT POLICIES, ISSUED IN 1884, AT AGE 46, FOR $10,000 EACH 
 
 COMPANY. 
 
 Cost in 1885. 
 
 (Prem. less 1st 
 
 dividend.) 
 
 Cost in 1886. 
 
 (Prem. less 2nd 
 
 dividend.) 
 
 Cost in 1887. 
 
 (Prem. less 3rd 
 
 dividend.) 
 
 Massachusetts Mutual 
 
 Mutual Benefit 
 
 $664.80 
 616.40 
 607.90 
 626.25 
 
 $661.80 
 610.90 
 611.30 
 630.45 
 
 $658. SO 
 605.50 
 606.50 
 623.75 
 
 Mutual Life 
 
 State Mutual 
 
 
 * This Company does not pay dividends till end of second year. 
 
NON-FORFEITURE LAWS. 
 
 NON-FORFEITURE LAW OF MAINE. 
 
 "Section 1.— Every policy of Life Insurance issued on and after the first day of April, 
 in the year of our Lord one thousand eight hundred and seventy-seven, by any company 
 chartered by the authority of this State, which may be forfeited for non-payment of premiums, 
 including all notes given for premiums or interest thereon after it shall have been in force 
 three full years, and which shall not contain provision for a surrender value at least equiva- 
 lent to the value arising under the terms of this Act, shall, nevertheless, be continued in 
 force to an extent and for a period of time to be determined as follows, to-wit: The net 
 value of the policy, when the premium becomes due and is not paid, shall be ascertained 
 according to the combined experience or actuaries' rate of mortality, with interest at four 
 per centum per annum. After deducting from three-fourths of such net value any indebted- 
 ness to the company, or notes held by the company against the iusured (which notes, if given 
 for premium, shall then be cancelled), what remains shall be considered as a net single 
 premium of temporary insurance ; and the term for which it will insure shall be determined 
 according to the age of the party at the time of the lapse of the policy, and the assumptions 
 of mortality and interest aforesaid; but if the policy shall be an endowment payable at a 
 certain time, or at death if it shall previously occur, then, if what remains as aforesaid shall 
 exceed the net single premium of temporary insurance for the balance of the endowment 
 term for the full amount of the policy, such excess shall be considered as a net single 
 premium or simple endowment, payable only at the same time as the original endowment, 
 and in case the life insured survives to such time; and the amount thus payable by the com- 
 pany shall be determined according to the age of the party at the time of the lapse of the 
 policy, and the assumptions of mortality and interest aforesaid. 
 
 "Sec. 2. — If the death of the life insured occur within the term of temporary insurance 
 covered by the value of the policy as determined in the previous section, and if no condition 
 of the insurance other than the payment of premium has been violated by the insured, the 
 company shall be bound to pay the amount of the policy the same as if there had been no 
 lapse of premium, anything in the policy to the contrary notwithstanding; provided, how- 
 ever, that notice of the claim, and proof of the death, shall be submitted to the company, 
 in the same manner as provided by the terms of the policy, within ninety days after the 
 decease, and provided, that the company shall have the right to deduct from the amount 
 insured in the policy the amount, compounded at seven per centum per annum, of all the 
 premiums that had been forborne at the time of the death, including the whole of the year's 
 premium in which the death occurs." 
 
 NON-FORFEITURE LAW OF MICHIGAN. 
 
 AS AMENDED IN 1881. 
 
 "Sec. 17.— No policy of insurance on life, issued after this act shall take effect, by any 
 company organized under the laws of this State, shall be forfeited or become void by the 
 non-payment of any premium thereon, after the third, any further than as folloAvs: The net 
 value of the policy, when the premium becomes due and is not paid, shall be ascertained 
 according to the "American Experience Table" rate of mortality, with interest at four per 
 centum per annum. 
 
 " A surrender charge shall be first deducted from such net value on the following basis, 
 to-wit: From policies that have paid three full years' premiums, forty (40) per cent.; from 
 policies that have paid four full years' premiums, thirty-six (36) per cent.; from policies that 
 have paid five full years' premiums, thirty-two (32) per cenr., and so on in like manner, 
 decreasing the discount four (4) per centum for each full years' premium paid, until the dis- 
 count is exhausted, when no surrender charge shall be made. 
 
 " After deducting the surrender charge from the net value, the remainder shall be con- 
 sidered a net single {jremium of whole life non-participating insurance, and the amount it will 
 insure shall be determined according to the age of the party at the time when the unpaid 
 premium became due and the assumptions aforesaid in regard to rate of interest and table of 
 mortality. 
 
 "In case of any indebtedness on any policy, such indebtedness shall be first deducted 
 from the net value remaining, after deducting the discount, and the remainder, if any, shall 
 be used as the net single premium as aforesaid." 
 
 The following table illustrates the workings of the Michigan Non-Forfeiture Law as 
 applied to an Ordinary Life Policy, issued at the age of 40, for 310,000 insurance: 
 
 46 
 
Annual premiums, less the div. 
 dends, paid in cash. 
 
 Secures to the insured. 
 
 A paid-up for 
 
 f 641.90 
 906.90 
 1.195.30 
 1,506.90 
 1,810.90 
 2,194.90 
 2,570.60 
 2,961.70 
 S. 371. 80 
 3,799.10 
 4,239.00 
 4,510.40 
 4,776.59 
 5.032. o0 
 5,278.50 
 5,517.10 
 5.718.70 
 5.970.10 
 6,947.70 
 7.728.00 
 8,335.20 
 8,825.80 
 
 MASSACHUSETTS NON-FORFEITURE LAW. 
 
 "An Act Limiting the Forfeiture of Policies in Life Insurance Compa- 
 nies," approved April 23, 1880, taking effect on the fifth day of March, 1831. 
 
 " Public Statutes, Chapter 119, Sections 161-166. Sec. 161.— No Policy of Life or Endowment 
 Assurance issued after the thirty-first day of December, in the year eighteen hundred and 
 eighty, by a domestic company, shall become forfeited or void for non-payment of premium 
 after two full annual premiums have been paid thereon, in cash or note, or both; but upon 
 default in a subsequent premium payment such policy shall become subject to the conditions 
 expressed in the four following sections, any stipulation or condition of forfeiture contained 
 in the policy or elsewhere to the contrary notwithstanding; and any waiver by the assured of 
 the provisions of this and the four following sections shall be void; but the provisions of this 
 section and of said sections shall not prevent the performance of any stipulation or condition 
 in any policy issued before the fifth day of March, in the year eighteen hundred and eighty- 
 one. 
 
 " Sec. 162.— In case of default in the payment of a third or of any subsequent annual pre- 
 mium on any such policy, then, without further negotiation or stipulation, such policy shall be 
 binding upon the company for an amount of the paid up insurance which the then net value 
 of the policy, less any indebtedness of the assured to the company and a surrender charge as 
 provided in the following section, will purchase as a net single premium for Life or Endow- 
 ment Assurance maturing or terminating at the same time and in the same manner as pro- 
 vided in the original policy contract; that is to say, no condition of the policy contract other 
 than for the payment of premiums shall be affected by the provisions of sections one hundred 
 and sixty-one to one hundred and sixty-five inclusive; nor shall any change be made in the 
 terms of said contract on account of default in premium payment, after two full annual pre«| 
 miums have been paid as provided in the preceding section, except as herein set forth. The 
 net value of the policy, including all dividend additions declared thereon at the date of said 
 default, shall be ascertained according to the ' combined experience,' or 'Actuaries' ' rate of 
 Mortality, with interest at four per cent, per annum; and from such value shall be deducted, 
 any indebtedness of the insured to the company or notes held by the company against the 
 insured, and a surrender charge to be determined as provided in the following section. 
 
 " Sec. 163.— Said surrender charge shall be determined as follows: Assuming the rate of 
 mortality and interest mentioned m the preceding section, the present value of all the normal, 
 future, yearly costs of insurance which by its terms said policy is exposed to pay in case of its 
 continuance shall be calculated, and eight per cent, of this sum shall be the legal surrender 
 charge. 
 
 " Sec. 164.— When after the payment of two annual premiums as provided in section one 
 hundred and sixty-one the insurable interest in the life of the insured has terminated, the net 
 value of the policy, subject to the conditions named in section one hundred and sixty-two,: 
 shall be a surrender value payable in cash; and upon the termination of such iusurable inter- 
 est the holder of a policy upon which by its terms no further premiums are payable, may; 
 upon any anniversary thereof, claim and recover in cash from the company a surrender value 
 computed as aforesaid ; but upon policies of prudential or industrial insurance, on which the 
 premiums are five cents per week and upwards, but not exceeding fifty cents, the surrender 
 value shall in all cases be payable in cash. 
 
 "Sec. 165.— The insurable interest named in the preceding section shall be construed to 
 have terminated when the insured has no minor or dependent child; and his wife, if he has 
 one, and any living beneficiary or beneficiaries named in the policy, shall join in the applica- 
 tion for surrender thereof. 
 
 " Sec. 166.— The provisions of the seven preceding sections shall not apply to foreign life 
 insurance companies." 
 
 47 
 
Probably there has never been enacted a non-forfeiture life insurance law, providing for 
 a cash surrender value of policies, so capable of different constructions by insurance officials 
 as this one. Read the following correspondence in reference thereto. 
 
 In May 1885, a person signing himself " Henry Z. Edwards," Mattoon. 111., wrote to all the 
 Massachusetts Life Insurance Companies asking the question, " If a person should insure in 
 a Massachusetts company, under the present life insurance laws of that State, can he claim 
 
 ANY CASH SURRENDER VALUE WHATEVER ON HIS POLICY WHILE HIS CHILDREN ARE 
 MINORS?" 
 
 BERKSHIRE LIFE INSURANCE CO. 
 
 Pittsfield, MASS., May 8, 1885. 
 Dear Sir:— In answer to your inquiry of the 2d inst., I would say that I do not understand 
 that there is anything in the law you refer to to prevent a company from paying the cash value 
 if such payment is desired, or to oblige the company to pay it if it does not desire to do so. 
 
 I am very respectfully, Jas. W. Hull, Secretary. 
 
 MASSACHUSETTS MUTUAL LIFE INSURANCE CO. 
 
 Springfield, Mass., May 6, 1885. 
 Dear Sir:— Your favor of the 1st at hand. We can, under the laws of our State, purchase 
 any policy to which we can obtain a good title: that is, a release by the insured and every 
 beneficiary named in the policy. 
 
 It is obvious that if any beneficiary named in a policy be -a minor, such beneficiary cannot 
 give a valid release on account of minority. If only a wife is the beneficiary, the policy can 
 be released by the insured and wife. 
 
 Trusting I have satisfactorily answered your inquiries, 
 
 I remain yours truly, John A. Hall, Secretary. 
 
 JOHN HANCOCK MUTUAL LIFE INSURANCE CO. 
 
 Boston, Mass., May 7, 1S85. 
 Dear Sir;— Yours of the 1st at hand. Our construction of the Massachusetts law is that no 
 company can be compelled to purchase any policy if the insured has a wife and dependent 
 children, even if neither are named in the policy; but as a matter of fact we purchase any 
 policy subject to the new law, and for the insured's benefit, on his receipt, without asking 
 anything about his wife or children ; and if payable to wife, on joint receipt of husband and 
 wife, without regard to children. Yours truly, 
 
 Geo. B. "Woodward. Secretary. 
 
 NEW ENGLAND MUTUAL LIFE INSURANCE CO. 
 
 Boston, May 7, 18S5. 
 
 Dear Sir:— Your favor of the 1st inst. received. The enclosed circular will show you the 
 practice of the company in relation to the payment of cash values for policies written under 
 the non-forfeiture law of 1880. 
 
 The fact that the insured may have minor or dependent children will not prevent the sur- 
 render of a policy unless the policy was made expressly for their benefit. 
 
 In this we follow the advice of the late Judge Foster, who was formerly a Judge of the Su- 
 preme Court of Massachusetts, and. until his death in 1884, for many years counsel of this 
 company. Yours truly, Benj. F. Stevens, President. 
 
 STATE MUTUAL LIFE ASSURANCE CO. OF WORCESTER. 
 
 Worcester, May 8, 1885. 
 Dear Sir:— Yours of the 2d inst. inquiring as to non-forfeiture law is received. We are ad- 
 vised by eminent counsel that we can pay the cash surrender value of a policy written payable 
 to the insured or his legal representatives, whether he have minor or dependent children or 
 not, provided the policy be in force ; but if the policy has lapsed, and there are minor and de- 
 pendent children, then we cannot pay the cash surrender, since the children in this case have 
 a vested interest in the policy, which thenceforth stands for a certain amount of paid-up in- 
 surance. Yours truly. A. G. Bullock, President. 
 
 EXTRACT FROM THE MASSACHUSETTS LAW OF 1887. 
 
 "Sec. 76.— All policies hitherto issued by any domestic life insurance company shall be 
 subject to the provisions of law applicable and in force at the date of such issue. No policy of 
 life or endowment assurance hereafter issued by any such company shall become forfeit or 
 Void for non-payment of premium after two full annual premiums, in cash or note, or both, 
 have been paid thereon; but in case of default in the payment of any subsequent premium, 
 then, without any further stipulation or act, such policy shall be binding upon the company 
 for the amount of paid-up insurance which the then net value of the policy and all dividend 
 additions thereon, computed by the rule of section eleven, less any indebtedness to the com- 
 pany on account of said policy, and less the surrender charge provided herein, will purchase 
 as a net single premium for life or endowment insurance maturing or terminating at the time 
 and in the manner provided in the original policy contract ; and such default shall not change 
 or affect the conditions or terms of the policy, except as regards the payment of premiums and 
 the amount payable thereon. Said surrender charge shall be eight per cent, of the insurance 
 value of the policy at the date of default, which insurance value is the present value of all 
 
 48 
 
 
the normal future yearly costs of insurance which by its terms said policy is exposed to pay ! 
 in case of its continuance, computed upon the rate of mortality and interest assumed in sec 
 tion eleven. [' Combined Experience ' or 'Actuaries' Table ' rate of mortality with interest at 
 four per cent, per annum.] Every such policy, after the payment of two full annual premi- 
 ums thereon, shall have a surrender value Avhich shall be its net value, less the surrender 
 charge, and less any indebtedness to the company on account of the said policy, and its holder 
 may. upon any subsequent anniversary of its issue, surrender the same and claim and recover 
 from the company such surrender value in cash; provided that from the surrender value of 
 all endowment policies the company may deduct five per cent. On policies of prudential or 
 industrial insurance on which the weekly premiums are not more than fifty cents each, the 
 surrender value in all cases shall be payable in cash. Upon surrender, on any anniversary of 
 its issue, of a policy which has become paid up after the payment of two full annual premi- 
 ums, by force of the statute upon default in payment of premium, the holder shall be entitled 
 to its net value, payable in cash; provided that from such net value of all endowment policies 
 the company may deduct five per cent. But no surrender of a policy shall be made without 
 the written assent of the person to whom the policy is made payable. Any condition or stip- 
 ulation in the policy or elsewhere, contrary to the provisions of this section, and any waiver 
 of such provisions by the assured, shall be void." 
 
 See index for page of table which shows the paid-up insurance and cash values under the 
 Massachusetts law on ordinary life policies. 
 
 NON-FORFEITURE LAW OF NEW YORK. 
 
 "Section 1.— Whenever any policy of Life Insurance hereafter issued by any company 
 organized or incorporated under the laws of this State, after being in force three full years, 
 shall by its terms lapse or become forfeited for the non-payment of any premium, or any note 
 given for a premium, or loan made in cash on the policy as security, or of any interest on 
 such note or loan, unless the provisions of this act are specifically waived in the application, and 
 notice of such waiver written in red ink on the margin of the face of the policy when issued, the 
 reserve on such policy, including dividend additions, calculated at the date of the failure to 
 make any of the payments above described, according to the 'American Experience Table of 
 Mortality,' and with interest at the rate of four and a half per cent, per annum, after deduct- 
 ing any indebtedness of the insured on account of any annual, semi-annual or quarterly 
 premium then due ; and any loan in cash on such policy, evidence of which is acknowledged 
 by the insured in writing, shall, on demand made, with surrender of the policy within six months 
 after such lapse, be taken as a single premium of life insurance at the published rates of the 
 company at the time the policy was issued, and shall be applied, as shall have been agreed in 
 the application and policy, either to continue the insurance of the policy in force at its full 
 amount, so long as such single premium will purchase temporary insurance for that amount, 
 at the age of the insured at the time of lapse, or to purchase upon the same life, at the same 
 age, paid-up insurance payable at the same time, and under the same conditions except as 
 to payment of premiums, as the original policy. Provided, that if no such agreement be 
 expressed in the application and policy, the said single premium may be applied in either 
 of the modes above specified, at the option of the owner of the policy; notice of such option to 
 be contained in the demand herinbefore required to be made to prevent the forfeiture of the policy. 
 Provided, also, that the net value of the insurance given for such single premium under this 
 section, computed by the standard of this state, shall in no case be less than two-thirds of the 
 entire reserve after deducting the indebtedness as specified; but such insurance shall not 
 participate in the profits of the company. 
 
 " Sec. 2.— If the reserve upon any endowment policy, applied according to the preceding- 
 section as a single premium of temporary insurance, be more than sufficient to continue the 
 insurance to the end of the endowment term named in the policy, and if the insured survive 
 the term, the excess shall be paid in cash at the end of such term, on the conditions on which 
 the original policy was issued. 
 
 " Sec. 3.— This act shall take effect on the first day of January, 1880." 
 
 The following tables illustrate the workings of the New York Non-Forfeiture Law, as 
 applied to an Ordinary Life Policy, issued at age 40 for $1,000 in the Mutual Life and Equitable 
 companies; "the single premium of life insurance at the published rates of the company 
 varies, hence the difference in paid-up values. 
 
 Annual premiums paid in cash. 
 
 Paid-up value Mutual Life. 
 
 Paid-up value Equitable. 
 
 3 
 
 $86 
 
 $ 73 
 
 4 
 
 115 
 
 97 
 
 5 
 
 143 
 
 120 
 
 6 
 
 171 
 
 143 
 
 7 
 
 199 
 
 165 
 
 8 
 
 226 
 
 187 
 
 9 
 
 253 
 
 209 
 
 10 
 
 280 
 
 230 
 
 15 
 
 407 
 
 325 
 
 20 
 
 521 
 
 404 
 
 49 
 
Equitable Semi-Tontine, Estimated Results. 
 
 Ordinary Life Policies of $1,000 Each. 
 
 TWENTY-YEAR TONTINE PERIOD. 
 
 m 
 w 
 
 OS 
 ? 
 
 be 
 
 < 
 
 02 
 
 M 
 
 O 
 
 Free Tontine 
 
 Rates, 
 
 Annual 
 
 Premiums. 
 
 Reserve 
 Guaranteed. 
 
 si 
 
 02 to 
 
 £1 
 
 3$ 
 
 Paid-up Value 
 Estimated. 
 
 d £ c3 
 
 25 
 
 $19 89 
 
 $20 50 
 
 $196 87 
 
 $336 13 
 
 $533 
 
 $1290 
 
 $397 80 
 
 30 
 
 22 70 
 
 23 30 
 
 242 33 
 
 393 67 
 
 636 
 
 1360 
 
 454 00 
 
 35 
 
 26 38 
 
 27 10 
 
 294 75 
 
 474 25 
 
 769 
 
 1460 
 
 527 GO 
 
 40 
 
 31 30 
 
 32 20 
 
 352 43 
 
 592 57 
 
 945 
 
 1600 
 
 626 00 
 
 45 
 
 37 97 
 
 39 10 
 
 412 91 
 
 777 09 
 
 1190 
 
 1810 
 
 759 40 
 
 50 
 
 47 18 
 
 48 50 
 
 472 73 
 
 1088 27 
 
 1561 
 
 2170 
 
 943 60 
 
 55 
 
 59 91 
 
 61 60 
 
 529 23 
 
 1679 77 
 
 2209 
 
 2810 
 
 1198 20 
 
 FIFTEEN- YEAR TONTINE PERIOD- 
 
 25 
 
 $19 89 
 
 $20 50 
 
 $133 91 
 
 $154 09 
 
 $288 
 
 $780 
 
 $298 35 
 
 30 
 
 22 70 
 
 23 30 
 
 166 37 
 
 177 63 
 
 344 
 
 830 
 
 340 50 
 
 35 
 
 26 38 
 
 27 10 
 
 205 87 
 
 210 13 
 
 416 
 
 890 
 
 395 70 
 
 40 
 
 31 30 
 
 32 20 
 
 251 53 
 
 256 47 
 
 508 
 
 960 
 
 469 50 
 
 45 
 
 37 97 
 
 39 10 
 
 301 66 
 
 323 34 
 
 625 
 
 1060 
 
 569 55 
 
 50 
 
 47 18 
 
 48 50 
 
 354 05 
 
 427 95 
 
 782 
 
 1190 
 
 707 70 
 
 55 
 
 59 91 
 
 61 60 
 
 406 28 
 
 601 72 
 
 1008 
 
 1400 
 
 898 65 
 
 TEN-YEAR TONTINE PERIOD. 
 
 25 
 
 $19 89 
 
 $20 50 
 
 $ 80 82 
 
 $ 54 18 
 
 $135 
 
 $410 
 
 $198 90 
 
 30 
 
 22 70 
 
 23 30 
 
 101 01 
 
 61 99 
 
 163 
 
 440 
 
 227 00 
 
 35 
 
 26 38 
 
 27 10 
 
 126 26 
 
 71 74 
 
 198 
 
 480 
 
 263 80 
 
 40 
 
 31 30 
 
 32 20 
 
 157 19 
 
 85 81 
 
 243 
 
 520 
 
 313 00 
 
 45 
 
 37 97 
 
 39 10 
 
 192 85 
 
 105 15 
 
 298 
 
 570 
 
 379 70 
 
 50 
 
 47 18 
 
 48 50 
 
 231 64 
 
 134 36 
 
 366 
 
 620 
 
 471 80 
 
 55 
 
 59 91 
 
 61 60 
 
 272 64 
 
 180 36 
 
 453 
 
 690 
 
 599 10 
 
 Ten-Payment Life Policies of $1,000 Each. 
 
 TEN-YEAR TONTINE PERIOD. 
 
 25 
 
 $42 56 
 
 $43 30 
 
 $328 81 
 
 $ 91 19 
 
 $420 
 
 $1280 
 
 $425 60 
 
 30 
 
 46 97 
 
 48 00 
 
 367 58 
 
 100 42 
 
 46 S 
 
 1270 
 
 469 70 
 
 35 
 
 52 40 
 
 53 60 
 
 413 55 
 
 113 45 
 
 527 
 
 1270 
 
 524 00 
 
 40 
 
 59 09 
 
 60 40 
 
 466 99 
 
 130 01 
 
 597 
 
 1280 
 
 590 90 
 
 45 
 
 67 37 
 
 69 00 
 
 526 65 
 
 152 35 
 
 679 
 
 1290 
 
 673 70 
 
 50 
 
 77 77 
 
 79 60 
 
 590 46 
 
 184 54 
 
 775 
 
 1310 
 
 777 70 
 
 55 
 
 90 79 
 
 93 00 
 
 655 70 - 
 
 231 30 
 
 887 
 
 1350 
 
 907 90 
 
 Fifteen-Payment Life Policies of $1,000 Each. 
 
 TEN-YEAR TONTINE PERIOD. 
 
 25 
 
 $32 34 
 
 $33 10 
 
 $216 97 
 
 $ 75 03 
 
 $292 
 
 $890 
 
 $323 40 
 
 30 
 
 35 76 
 
 36 60 
 
 244 46 
 
 82 54 
 
 327 
 
 890 
 
 357 60 
 
 35 
 
 40 01 
 
 41 00 
 
 276 78 
 
 93 22 
 
 370 
 
 890 
 
 400 10 
 
 40 
 
 45 33 
 
 46 50 
 
 313 68 
 
 108 32 
 
 422 
 
 900 
 
 453 30 
 
 45 
 
 52 11 
 
 53 40 
 
 353 30 
 
 127 70 
 
 481 
 
 910 
 
 521 10 
 
 50 
 
 60 91 
 
 62 50 
 
 392 74 
 
 157 26 
 
 550 
 
 930 
 
 609 10 
 
 55 
 
 72 50 
 
 74 40 
 
 428 85 
 
 201 15 
 
 630 
 
 960 
 
 725 00 
 
 FIFTEEN- YEAR TONTINE PERIOD- 
 
 25 
 
 $32 34 
 
 $33 10 
 
 $367 58 
 
 $239 42 
 
 $ 607 
 
 $1650 
 
 $ 485 10 
 
 30 
 
 35 76 
 
 36 60 
 
 413 55 
 
 267 45 
 
 681 
 
 1650 
 
 536 40 
 
 35 
 
 40 01 
 
 41 00 
 
 4G6 99 
 
 305 01 
 
 772 
 
 1650 
 
 600 15 
 
 40 
 
 45 33 
 
 46 50 
 
 526 65 
 
 354 35 
 
 881 
 
 1670 
 
 679 95 
 
 45 
 
 52 11 
 
 53 40 
 
 590 46 
 
 426 54 
 
 1017 
 
 1720 
 
 781 65 
 
 50 
 
 60 91 
 
 62 50 
 
 655 70 
 
 532 30 
 
 1188 
 
 1810 
 
 913 65 
 
 55 
 
 72 50 
 
 74 40 
 
 718 96 
 
 705 04 
 
 1424 
 
 1980 
 
 1087 50 
 
 50 
 
Equitable Semi-Tontine, Estimated Results. 
 
 Twenty-Payment Life Policies of $1,000 Each. 
 
 TWENTY- YEAR TONTINE PERIOD. 
 
 d 
 
 OQ 
 
 go 
 
 © 
 
 bo 
 
 < 
 
 rt"3S 
 o 
 
 Free Tontine 
 
 Rates, 
 
 Annual 
 
 Premiums. 
 
 Kg 
 
 r-H OS 
 
 &a 
 
 Cash Value 
 Estimated. 
 
 I s 
 
 Q-i 
 
 
 25 
 
 $27 39 
 
 $28 10 
 
 $413 55 
 
 $464 45 
 
 $ 878 
 
 $2120 
 
 $547 80 
 
 30 
 
 30 36 
 
 31 10 
 
 466 99 
 
 526 01 
 
 993 
 
 2130 
 
 607 20 
 
 35 
 
 34 08 
 
 35 00 
 
 526 65 
 
 61D 35 
 
 1137 
 
 2160 
 
 681 60 
 
 40 
 
 38 83 
 
 39 80 
 
 590 46 
 
 730 54 
 
 1321 
 
 2240 
 
 776 60 
 
 45 
 
 45 03 
 
 46 20 
 
 655 70 
 
 914 30 
 
 1570 
 
 2390 
 
 900 60 
 
 50 
 
 53 38 
 
 54 80 
 
 718 96 
 
 1223 04 
 
 1942 
 
 2700 
 
 1067 60 
 
 55 
 
 64 82 
 
 66 60 
 
 777 16 
 
 1805 84 
 
 2583 
 
 3320 
 
 1296 40 
 
 FIFTEEN- YEAR TONTINE PERIOD- 
 
 25 
 
 27 39 
 
 28 10 
 
 274 66 
 
 205 34 
 
 480 
 
 1300 
 
 410 85 
 
 30 
 
 30 36 
 
 31 10 
 
 311 24 
 
 230 76 
 
 542 
 
 1310 
 
 455 40 
 
 35 
 
 34 08 
 
 35 00 
 
 353 28 
 
 263 72 
 
 617 
 
 1320 
 
 511 20 
 
 40 
 
 38 83 
 
 39 80 
 
 399 07 
 
 308 93 
 
 708 
 
 1340 
 
 582 45 
 
 45 
 
 45 03 
 
 46 20 
 
 445 90 
 
 375 10 
 
 821 
 
 1390 
 
 675 45 
 
 50 
 
 53 38 
 
 54 80 
 
 490 25 
 
 474 75 
 
 965 
 
 1470 
 
 800 70 
 
 55 
 
 64 82 
 
 66 60 
 
 528 25 
 
 641 75 
 
 1170 
 
 1630 
 
 972 30 
 
 TEN-YEAR TONTINE PERIOD. 
 
 25 
 
 27 39 
 
 28 10 
 
 162 83 
 
 67 17 
 
 230 
 
 700 
 
 273 90 
 
 30 
 
 30 36 
 
 31 10 
 
 185 10 
 
 73 90 
 
 259 
 
 700 
 
 303 60 
 
 35 
 
 34 08 
 
 35 00 
 
 211 23 
 
 83 77 
 
 295 
 
 710 
 
 340 80 
 
 40 
 
 38 83 
 
 39 80 
 
 241 12 
 
 97 88 
 
 339 
 
 730 
 
 388 30 
 
 45 
 
 45 03 
 
 46 20 
 
 272 99 
 
 116 01 
 
 389 
 
 740 
 
 450 30 
 
 50 
 
 53 38 
 
 54 80 
 
 304 38 
 
 144 62 
 
 449 
 
 760 
 
 533 80 
 
 55 
 
 64 82 
 
 66 60 
 
 333 57 
 
 188 43 
 
 522 
 
 800 
 
 648 20 
 
 The following shows how jealously the Estimates of Tontine Companies are guarded: 
 
 The Equitable hook contains as follows : 
 
 "This book is the property of The Equitable Life Assurance Society of the U. S. It is 
 printed for the exclusive use of the Society's Agents in prosecuting the Society's business in 
 accordance with the Society's rules and regulations, and it is to be returned to the Society as 
 soon as it ceases to be used in this way." 
 
 The Mutual Life Estimate and Rate book contains as follows : 
 
 " No. •. This book is the property of The Mutual Life Insurance Company of New 
 
 York, and is delivered to the Solicitor of applications for his instruction and personal use in 
 his work. It must be by him preserved for such purposes, and kept subject to the order of the 
 Company or its General Agent, for its return by the person to whom it is charged." 
 
 The New Yokk Life book contains the following : 
 
 " This book of tables has been prepared for the use of the Agents of the New York Life 
 Insurance Company, to illustrate the Non-forfeiting Limited Tontine Policy Plan. It is not 
 intended for circulation, but is the property of the Company, for the personal use of the 
 Agents while they continue in its employ, and is to be returned to the Company on the 
 termination of such employ, or whenever previously called for." 
 
 In addition to this, whenever a book is given an Agent, he must sign the following receipt: 
 
 188 . 
 
 " Received of the New York Life Insurance Company, one copy of its book of ' Estimated 
 Results of Non-forfeiting Limited Tontine Policies' (Edition January, 1887,), which I 
 acknowledge to be the property of the Company, and furnished to me only for use in carrying- 
 on its business. I consequently hereby bind myself in honor, and agree that it shall only be 
 used in the Company's service ; that it shall not be given or loaned to any person ; that I will 
 not copy it or allow any other person to copy it, and that I will return it to the Company, or 
 its authorized agent, whenever my service with the Company ends, or at any previous time, 
 if required." 
 
 51 
 
MUTUAL LIFE SURVIVORSHIP DISTRIBUTION SYSTEM. 
 
 The diagram below shows the basis of Estimates, according to results realized in the 
 past history of the company. 
 
 In no case are the results guaranteed, except the reserve; no guarantee as to the amount 
 of surplus accumulations is written in the Policy. 
 
 
 
 
 
 e 
 
 • 
 
 s 
 
 26 
 
 Policj 
 Holders 
 direlm.aed 
 by De«t 
 
 1.000 
 
 6 
 
 This space represents 1 .OOo roucy Holders 
 constituting Dividend Class. 
 
 a 
 
 | 
 
 8 
 
 Hun in pe 
 cent. j»er 
 ordinary 
 dividends 
 
 i! 
 
 
 30 
 
 930 
 
 // 
 
 
 
 V 
 
 
 35 
 
 920 
 
 
 
 
 X 
 
 
 40 
 
 87& 
 
 3* 1 / / 
 
 *5 / / 
 
 
 
 XV. 
 
 
 -i5 
 
 ess 
 
 H* / /- 
 
 ei:i / Is 
 
 
 
 XX. 
 
 
 -Q 
 
 7ea 
 
 8£S 9 / / s ll 
 
 ( •« « / »• / « 1 a 
 
 3?i* / / /i/l 
 
 i 
 
 
 XXV 
 
 
 65 
 
 733 
 
 § 11 / # <» i£ 
 
 / * M * 
 
 | 
 
 
 ^Xfl 
 
 
 eo 
 
 e63 
 
 ] S \ | 1 £" 
 
 / » / f 1-2 
 ' f / f ■ 
 
 | 
 
 I 
 
 2 
 
 XXV 
 
 
 65 
 
 571 
 
 / / / 1 / « 
 .5 / ° 4 / 3 1 2 
 
 •3 
 
 l 
 
 
 XL, 
 
 
 
 
 | i'otai sources of Dividend s.ccumulations. 
 
 
 
 SPECIMEN OF 
 
 MUTUAL LIFE ESTIMATE BLANK 
 
 Used by its Agents in soliciting Insurance. 
 
 TWENTY -YEAR DISTRIBUTION PLAN. 
 
 Estimate on $10,000. 
 
 At end of 20 years. 
 
 Age, 35. 
 
 Annual Premium, $306.00. 
 
 1st- 
 
 2nd. 
 
 3rd. 
 
 4th. 
 5th. 
 
 Total Premiums paid, $6,120.00. 
 Can then take either of following options : 
 
 Draw Your Share of Profits $ 4,230 00 
 
 And continue Policy, paying same premium as before, and drawing 
 future dividends annually. If you need insurance at that time, 
 this will be a great advantage, as the rate would then be $117.00. 
 
 Draw Full Cash Value of Policy $ 7,180 00 
 
 This gives the plan the benefits of an endowment. 
 
 Take a Paid-up Policy for $ 4,760 00 
 
 This will be desirable if you are in need of insurance, yet are unable 
 to invest further. 
 
 Take Annual Income for Balance of Life $ 604 90 
 
 Allow Your Share of Profits to Purchase Additional Insurance, 
 
 Increasing Amount of Policy to $ 17,140 00 
 
 And paying same premium as before, less annual dividends. This 
 will be an advantage, if you should happen then to need the 
 greatest amount of insurance for smallest outlay. Having this 
 large surplus in Company's hands, earning 5 per cent, interest, 
 .future dividends should very nearly, if not entirely, pay prem- 
 iums ; so that the policy will be practically paid up. 
 The above illustration is Ordinary Life return premium rate. It will be observed the 
 amount of money actually guaranteed by the company is not stated on this Estimate Blank, 
 when filled up by the agent in soliciting applications. When the insured obtains his Policy, 
 imagine his consternation to find none \oi these estimated values in it. The only figures 
 written as to results at end of Distribution Period, 20 years, is the reserve on the policy— $2,950; 
 this amount is the only guarantee, except the surplus the company may apportion to this 
 Policy. 
 
 The Mutual Life's name does not appear on the Estimate Blanks furnished its 
 Agents, neither does its name appear on the Estimate Book given to each agent from which 
 the estimated figures are taken. 
 
 52 
 
MUTUAL LIFE FALLING OFF IN DIVIDENDS! 
 
 Estimated Results on Past Experience by the Mutual, Life as to Dividends is 
 
 misleading, because the shrinkage which has taken place of; late years in the rates of interest 
 obtainable on invested funds has, of course diminished the dividend-paying ability of all Life 
 Insurance Companies and other financial institutions. 
 
 The following results on Policies issued by the Mutual Life illustrate the decreasing 
 dividends now paid by it : 
 
 No. 41.883, issued Jan. 7, 1867; Age 22, $1,000. Ordinary Life Plan, Annual Premium, 
 $19.89. (Dividends used as cash in part payment of premium.) 
 
 Dividend for 1885 §8.79 Dividend, 1886 $8.01 
 
 Dividend for 1887 $8.12 Dividend, 1888 $6.86 
 
 No. 237,613, issued Jan. 22, 18S3; Age 44. $3000. Ordinary Life Plan, Annual Premium, 
 
 $92.97. (Dividends used as reversionary additions.) 
 
 Dividend of 1884 $10.17 Dividend, 1885 $11.23 
 
 Dividend of 1886 $ 9.6S Dividend, 1887 $10.42 
 
 Dividend, 1888 $3.03. 
 
 READ YOUR LIFE INSURANCE POLICY CAREFULLY. IT IS THE CONTRACT AS- 
 SUMED BY THE COMPANY. 
 
 Not uncommon is it to find persons insured in Tontine Companies under Twenty Pay- 
 ment Life Policies with Twenty Year Tontine Periods to have the impression they 
 are holding Twenty Year Endowment Policies. 
 
 The Author's observation, in an experience of the last ten years past in the field-work of 
 Life Insurance, is that probably over ninety per cent, of those insured on that plan are paying 
 their Life Insurance Premiums under this happy (?) delusion. 
 
 53 
 
MUTUAL LIFE ESTIMATED RESULTS. 
 
 Ordinary Life Policies of $1,000 each. 
 
 TWENTY-YEAR DISTRIBUTION PERIOD (Tontine by another name.) 
 
 |ll 
 
 o 
 
 S 20 50 
 23 30 
 27 10 
 32 20 
 39 10 
 48 50 
 61 60 
 
 • Return 
 Premium 
 Rates. 
 Annual 
 Premiums. 
 
 •6 
 
 g! 
 
 
 ~ 
 
 o 
 
 8 22 20 
 
 8 197 
 
 25 70 
 
 242 
 
 30 60 
 
 295 
 
 38 00 
 
 352 
 
 49 90 
 
 413 
 
 71 40 
 
 473 
 
 117 00 
 
 529 
 
 £s 
 
 329 
 365 
 423 
 504 
 621 
 784 
 1022 
 
 ^1 
 
 
 s§UI 
 
 Oo > ~ w 
 
 $ 526 
 
 607 
 
 718 
 
 856 
 
 1034 
 
 1257 
 
 1551 
 
 1075 
 1120 
 1190 
 1295 
 1140 
 1620 
 1885 
 
 8 1691 
 1691 
 1714 
 
 1774 
 1877 
 2019 
 
 2230 
 
 iH J_ 
 
 -O p. 
 
 o 
 
 P 410 
 466 
 542 
 644 
 782 
 970 
 
 1232 
 
 02 
 
 S3mO 
 
 H 
 
 444 
 514 
 612 
 
 1428 
 
 2340 
 
 FIFTEEN- YEAR DISTRIBUTION PERIOD (Tontine by another name.) 
 
 25 
 
 20 50 
 
 21 60 
 
 122 
 
 184 
 
 3C6 
 
 715 
 
 1428 
 
 307 50 
 
 30 
 
 23 30 
 
 24 70 
 
 154 
 
 202 
 
 356 
 
 750 
 
 1425 
 
 349 50 
 
 35 
 
 27 10 
 
 29 10 
 
 193 
 
 232 
 
 425 
 
 800 
 
 1434 
 
 406 50 
 
 411 
 
 32 20 
 
 35 20 
 
 239 
 
 274 
 
 513 
 
 870 
 
 1463 
 
 483 00 
 
 45 
 
 39 10 
 
 44 40 
 
 289 
 
 336 
 
 625 
 
 960 
 
 1513 
 
 5S6 50 
 
 50 
 
 48 50 
 
 59 10 
 
 342 
 
 423 
 
 765 
 
 1080 
 
 1597 
 
 727 50 
 
 55 
 
 61 60 
 
 85 00 
 
 396 
 
 553 
 
 919 
 
 1240 
 
 1723 
 
 924 00 
 
 S24 00 
 370 50 
 436 50 
 528 00 
 666 00 
 886 50 
 1275 00 
 
 TEN- YEAR DISTRIBUTION PERIOD (Tontine by another name.) 
 
 20 50 
 
 21 00 
 
 73 
 
 93 
 
 166 
 
 430 
 
 1240 
 
 205 
 
 23 30 
 
 24 00 
 
 92 
 
 100 
 
 192 
 
 450 
 
 1233 
 
 233 
 
 27 10 
 
 28 10 
 
 117 
 
 115 
 
 232 
 
 490 
 
 1242 
 
 271 
 
 32 20 
 
 33 50 
 
 148 
 
 135 
 
 283 
 
 535 
 
 1255 
 
 322 
 
 39 10 
 
 41 30 
 
 183 
 
 164 
 
 347 
 
 590 
 
 1277 
 
 391 
 
 48 50 
 
 52 70 
 
 222 
 
 205 
 
 427 
 
 660 
 
 1317 
 
 485 
 
 61 60 
 
 70 30 
 
 264 
 
 268 
 
 532 
 
 750 
 
 1377 
 
 616 
 
 210 
 240 
 281 
 335 
 413 
 527 
 703 
 
 Ten Payment Life Policies of $1,000 each. 
 
 TEN- YEAR DISTRIBUIION PERIOD (Tontine by another name.) 
 
 sis 
 
 fifes 
 
 Sa£ 
 
 25 
 30 i 
 35 
 40 
 
 45 
 50 
 
 55 
 
 $ 43 50 
 48 00 
 53 60 
 60 40 
 69 00 
 79 60 
 93 00 
 
 § 46 00 
 51 00 
 57 30 
 65 40 
 76 20 
 91 40 
 114 30 
 
 
 
 1* 
 
 Kg 
 
 3 '-3 
 
 CO VI 
 
 $ 293 
 
 $137 
 
 330 
 
 150 
 
 376 
 
 167 
 
 430 
 
 187 
 
 490 
 
 218 
 
 556 
 
 257 
 
 625 
 
 313 
 
 3fl 
 
 lilll 
 
 8 430 
 480 
 543 
 617 
 708 
 813 
 
 $ 1355 
 1350 
 1350 
 1355 
 1370 
 1395 
 1440 
 
 .s ° 
 
 8 435 
 
 480 
 536 
 604 
 690 
 796 
 930 
 
 ■g £1-?— < 
 H 
 
 >460 
 510 
 573 
 654 
 762 
 914 
 
 1143 
 
 FIFTEEN YEAR DISTRIBUTION PERIOD (Tontine by another name.) 
 
 25 
 
 43 50 
 
 48 10 
 
 330 
 
 226 
 
 556 
 
 1530 
 
 435 
 
 30 
 
 48 00 
 
 53 60 
 
 376 
 
 247 
 
 623 
 
 1520 
 
 480 
 
 35 
 
 53 60 
 
 60 70 
 
 430 
 
 276 
 
 706 
 
 1520 
 
 536 
 
 40 
 
 60 40 
 
 70 40 
 
 490 
 
 310 
 
 800 
 
 1530 
 
 604 
 
 15 
 
 69 00 
 
 84 50 
 
 556 
 
 360 
 
 916 
 
 1555 
 
 690 
 
 50 
 
 79 60 
 
 106 80 
 
 625 
 
 420 
 
 1045 
 
 1590 
 
 796 
 
 55 
 
 93 00 
 
 145 90 
 
 692 
 
 506 
 
 1198 
 
 1660 
 
 930 
 
 481 
 536 
 607 
 704 
 845 
 1068 
 1459 
 
 TWENTY-YEAR DISTRIBUTION PERIOD (Tontine by another name.) 
 
 25 
 
 43 50 
 
 50 00 
 
 414 
 
 365 
 
 779 
 
 1765 
 
 435 
 
 30 
 
 48 00 
 
 56 10 
 
 467 
 
 400 
 
 867 
 
 1760 
 
 480 
 
 35 
 
 53 60 
 
 64 50 
 
 527 
 
 448 
 
 975 
 
 1760 
 
 536 
 
 40 
 
 60 40 
 
 76 50 
 
 590 
 
 503 
 
 1093 
 
 1775 
 
 604 
 
 45 
 
 69 00 
 
 95 80 
 
 656 
 
 579 
 
 1235 
 
 1815 
 
 690 
 
 50 
 
 79 60 
 
 129 30 
 
 719 
 
 674 
 
 1393 
 
 1880 
 
 796 
 
 55 
 
 93 00 
 
 197 50 
 
 1 1 1 
 
 804 
 
 1581 
 
 1980 
 
 930 
 
 500 
 561 
 645 
 765 
 958 
 1293 
 1975 
 
 * Return Premium Rate is a Term Rate added to the Ordinary Rates which provides for 
 insurance, sufficient in amount to cover the premium paid, should death occur within the 
 Distribution period. 
 
 " Paid-up Policy.— After three full annual premiums have been paid upon this Policy, 
 the Company will, upon the legal surrender thereof before the default in payment of any 
 premium, or within six months thereafter, issue a policy for paid-up insurance, payable as 
 herein provided, for the proportion of the amount of this policy which the number of full 
 years' premiums paid bears to the total number required." 
 
 For example : A policy for 810,000 on the ten payment life plan can be exchanged, after 
 three annual premiums have been paid, for a paid-up life policy of §3,000 ; after four, for a 
 pall-up life policv of §4,000; and after five, of §5,000. 
 
 54 
 
MUTUAL LIFE ESTIMATED RESULTS. 
 
 Fifteen Payment Life Policies of $1,000 each. 
 
 TEN-YEAR DISTRIBUTION PERIOD (Tontine by another name). 
 
 ill 
 
 
 a o 
 
 S-2 
 
 SI 
 
 7^ 
 
 O o >^ ^ 
 
 C3 " 
 
 «^a 
 
 >vg.3 
 
 Sog 
 
 "g ^ 
 
 o 
 
 $ 331 
 366 
 410 
 465 
 534 
 625 
 744 
 
 d a .a 
 gas 2 
 
 H 
 
 $ 33 10 
 
 36 60 
 41 00 
 46 50 
 53 40 
 62 50 
 74 40 
 
 $ 34 60 
 38 30 
 43 10 
 49 30 
 57 70 
 69 50 
 S7 40 
 
 3 192 
 219 
 251 
 289 
 330 
 371 
 410 
 
 $ 116 
 127 
 142 
 162 
 
 188 
 229 
 
 287 
 
 346 
 393 
 451 
 518 
 600 
 697 
 
 5 965 
 965 
 965 
 975 
 985 
 1020 
 1070 
 
 $ 1298 
 1298 
 129S 
 1308 
 1318 
 1354 
 1404 
 
 $ 346 
 383 
 431 
 493 
 577 
 695 
 874 
 
 FIFTEEN- YEAR DISTRIBUTION PERIOD (Tontine by another name). 
 
 25 
 
 33 10 
 36 60 
 41 00 
 46 50 
 53 40 
 62 50 
 74 40 
 
 36 10 
 40 20 
 45 60 
 53 00 
 63 90 
 81 10 
 111 50 
 
 330 
 376 
 430 
 490 
 557 
 625 
 692 
 
 237 
 259 
 291 
 332 
 387 
 469 
 587 
 
 567 
 635 
 721 
 822 
 944 
 1094 
 1279 
 
 
 1555 
 1545 
 1550 
 1565 
 1595 
 1660 
 1765 
 
 496 50 
 549 00 
 615 00 
 697 00 
 801 00 
 937 50 
 1116 00 
 
 8(1 
 
 
 T> 
 
 
 40 
 
 
 45 
 
 
 5A 
 
 
 55 
 
 
 
 
 541 50 
 603 00 
 684 00 
 795 00 
 958 50 
 1216 50 
 1672 50 
 
 TWENTY-YEAR DISTRIBUTION PERIOD (Tontine by another name). 
 
 25 
 
 33 10 
 
 37 70 
 
 414 
 
 380 
 
 30 
 
 36 60 
 
 42 40 
 
 467 
 
 418 
 
 35 
 
 41 00 
 
 48 80 
 
 527 
 
 470 
 
 40 
 
 46 50 
 
 58 30 
 
 590 
 
 534 
 
 45 
 
 53 40 
 
 73 60 
 
 650 
 
 620 
 
 50 
 
 62 50 
 
 101 10 
 
 719 
 
 744 
 
 55 
 
 74 40 
 
 159 20 
 
 777 
 
 919 
 
 794 
 885 
 997 
 1124 
 1276 
 1463 
 1696 
 
 
 1800 
 1790 
 1800 
 1825 
 1875 
 1970 
 2125 
 
 496 50 
 549 00 
 615 00 
 697 00 
 801 00 
 937 50 
 1116 00 
 
 
 
 
 
 
 
 
 565 50 
 
 636 00 
 
 732 00 
 
 874 50 
 
 1104 00 
 
 1516 50 
 
 2388 50 
 
 Twenty Payment Life Policies of $1,000 each. 
 
 TEN-YEAR DISTRIBUTION PERIOD (Tontine by another name). 
 
 25 
 
 55 
 
 e3_ 
 
 $ 28 10 
 31 10 
 35 00 
 39 80 
 46 20 
 54 80 
 66 60 
 
 gltfll 
 
 Hill 
 
 29 10 
 32 40 
 36 50 
 41 90 
 49 40 
 60 20 
 76 80 
 
 Ci3 
 
 $144 
 166 
 192 
 223 
 256 
 289 
 
 II 
 
 $ 107 
 117 
 131 
 149 
 176 
 216 
 276 
 
 ?V. 
 
 O o >3 M 
 
 251 
 
 283 
 323 
 372 
 432 
 505 
 596 
 
 % 1280 
 1275 
 1275 
 1280 
 1300 
 1335 
 1390 
 
 t»4 3 
 
 281 
 311 
 350 
 398 
 462 
 548 
 
 as a 
 
 
 $ 291 
 324 
 365 
 419 
 494 
 602 
 768 
 
 FIFTEEN-YEAR DISTRIBUTION PERIOD (Tontine by another name). 
 
 40 
 
 28 10 
 
 30 20 
 
 246 
 
 216 
 
 462 
 
 1505 
 
 421 50 
 
 31 10 
 
 33 70 
 
 283 
 
 237 
 
 520 
 
 1500 
 
 466 50 
 
 35 00 
 
 38 30 
 
 325 
 
 265 
 
 590 
 
 1500 
 
 525 00 
 
 39 80 
 
 44 60 
 
 372 
 
 305 
 
 677 
 
 1520 
 
 597 00 
 
 46 20 
 
 53 90 
 
 421 
 
 361 
 
 782 
 
 1555 
 
 693 00 
 
 54 80 
 
 68 70 
 
 469 
 
 443 
 
 912 
 
 1625 
 
 822 00 
 
 66 60 
 
 94 80 
 
 510 
 
 563 
 
 1073 
 
 1735 
 
 999 00 
 
 453 00 
 505 50 
 574 50 
 669 00 
 808 50 
 1010 50 
 1422 00 
 
 TWENTY-YEAR DISTRIBUTION PERIOD (Tontine by another name). 
 
 25 
 
 28 10 
 31 10 
 35 00 
 39 80 
 46 20 
 54 80 
 66 60 
 
 31 60 
 35 50 
 41 00 
 49 10 
 62 20 
 86 00 
 136 50 
 
 414 
 467 
 527 
 590 
 656 
 719 
 777 
 
 433 
 486 
 560 
 663 
 809 
 1016 
 
 807 
 900 
 1013 
 1150 
 1319 
 1528 
 1793 
 
 1830 
 1820 
 1825 
 1865 
 1935 
 2055 
 2245 
 
 562 
 622 
 700 
 796 
 924 
 1096 
 1332 
 
 632 
 
 710 
 
 820 
 
 982 
 
 1244 
 
 1720 
 
 2730 
 
 . . Paid-up Policy Ordinary Life Plan, after three annual premiums have been paid upon 
 this Policy, the Company will, upon the legal surrender thereof before default in payment of 
 any premium, or within six months thereafter, issue a paid-up policv, for the amount required 
 by the provisions of the Act of May 21, 1879, Chap. 347, Laws of the State of New York. 
 See index for page paid-up values on ordinary life policies. 
 
 55 
 

 New York Life Limited Tontine Estimates. 
 
 Ordinary Life Policies of $1,000 each. 
 
 TWENTY -YEAR TONTINE PERIOD. 
 
 XT. 
 CO 
 
 & 
 
 "=* S 
 £ ° S 
 
 i<l 
 % — 
 o 
 
 * Return Pre- 
 mium Rales, 
 Annual 
 Premiums. 
 
 m 
 i ii 
 
 
 2d 
 
 11 
 
 o 
 
 Pi 
 
 ill 
 
 * Total Prem. 
 
 Return 
 
 Premium 
 
 Rates. 
 
 25 
 
 $19 89 
 
 $21 57 
 
 $196 87 
 
 $284 13 
 
 $ 481 
 
 $1165 
 
 $397 80 
 
 $431 40 
 
 30 
 
 22 70 
 
 24 94 ! 242 33 
 
 325 67 
 
 568 
 
 1215 
 
 454 00 
 
 498 80 
 
 35 
 
 26 38 
 
 29 67 
 
 294 75 
 
 390 25 
 
 685 
 
 1300 
 
 527 60 
 
 593 40 
 
 40 
 
 31 30 
 
 36 73 
 
 352 43 
 
 492 57 
 
 845 
 
 1430 
 
 626 00 
 
 734 60 
 
 45 
 
 37 97 
 
 48 10 
 
 412 91 
 
 653 09 
 
 1066 
 
 1625 
 
 759 40 
 
 962 00 
 
 50 
 
 47 18 
 
 68 54 
 
 472 73 
 
 912 27 
 
 1385 
 
 1925 
 
 943 60 
 
 1370 80 
 
 55 
 
 59 91 
 
 111 01 
 
 529 23 
 
 1321 77 
 
 1851 
 
 2380 
 
 1198 20 
 
 2220 20 
 
 FIFTEEN -YEAR TONTINE PERIOD. 
 
 25 
 
 $19 89 
 
 $20 91 
 
 $133 91 
 
 $155 09 
 
 $ 289 
 
 $ 785 
 
 $298 35 
 
 30 
 
 22 70 
 
 24 03 
 
 166 37 
 
 176 63 
 
 343 
 
 830 
 
 340 50 
 
 35 
 
 26 38 
 
 28 22 
 
 205 87 
 
 206 13 
 
 412 
 
 880 
 
 395 70 
 
 40 
 
 31 30 
 
 34 16 
 
 251 53 
 
 250 47 
 
 502 
 
 950 
 
 469 50 
 
 45 
 
 37 97 
 
 42 97 
 
 301 66 
 
 322 34 
 
 624 
 
 1055 
 
 569 55 
 
 50 
 
 47 18 
 
 57 07 
 
 354 05 
 
 424 95 
 
 779 
 
 1190 
 
 707 70 
 
 55 
 
 59 91 
 
 81 81 
 
 406 28 
 
 584 72 
 
 991 
 
 1380 
 
 898 65 
 
 $313 65 
 360 45 
 423 30 
 512 40 
 644 55 
 856 05 
 
 1227 15 
 
 TEN -YEAR TONTINE PERIOD. 
 
 25 
 
 $19 89 
 
 S20 40 
 
 $ 80 82 
 
 $ 53 18 
 
 $ 134 
 
 $410 
 
 $198 90 
 
 30 
 
 22 70 
 
 23 35 
 
 101 01 
 
 59 99 
 
 161 
 
 440 
 
 227 00 
 
 35 
 
 26 38 
 
 27 25 
 
 126 26 
 
 69 74 
 
 196 
 
 475 
 
 263 SO 
 
 40 
 
 31 30 
 
 32 57 
 
 157 19 
 
 83 81 
 
 241? 
 
 515 
 
 313 00 
 
 45 
 
 37 97 
 
 40 06 
 
 192 85 
 
 104 15 
 
 297 
 
 565 
 
 379 70 
 
 50 
 
 47 18 
 
 51 08 
 
 231 64 
 
 132 36 
 
 364 
 
 615 
 
 471 80 
 
 55 
 
 59 91 
 
 68 06 
 
 272 64 
 
 172 36 
 
 445 
 
 6S0 
 
 599 10 
 
 $204 00 
 233 50 
 272 50 
 325 70 
 400 60 
 510 80 
 680 60 
 
 Ten Payment Life Policies of $1,000 each. 
 
 TEN -YEAR TONTINE PERIOD. 
 
 25 
 
 $42 56 
 
 $45 20 
 
 $328 81 
 
 $61 19 
 
 $ 390 
 
 $1185 
 
 $425 60 
 
 30 
 
 46 97 
 
 50 10 
 
 367 58 
 
 68 42 
 
 436 
 
 1185 
 
 469 70 
 
 35 
 
 52 40 
 
 56 27 
 
 413 55 
 
 7S 45 
 
 492 
 
 1190 
 
 524 00 
 
 40 
 
 59 09 
 
 64 18 
 
 466 99 
 
 95 01 
 
 562 
 
 1205 
 
 590 90 
 
 45 
 
 67 37 
 
 74 81 
 
 526 65 
 
 114 35 
 
 641 
 
 1215 
 
 673 70 
 
 50 
 
 77 77 
 
 89 85 
 
 590 46 
 
 143 54 
 
 734 
 
 1245 
 
 777 70 
 
 55 
 
 90 79 
 
 112 33 
 
 655 70 
 
 182 30 
 
 838 
 
 1280 
 
 907 90 
 
 $452 00 
 501 00 
 562 70 
 641 80 
 748 10 
 898 50 
 
 1123 30 
 
 * Return Premium Rate is a term rate added to the ordinary Rates which provides for 
 insurance, sufficient in amount to cover the premiums paid, should death occur before the 
 expiration of the Tontine period. 
 
 -j-The estimated surplus on Return Premium Plan can be obtained by the following rule : 
 When the number of cents exceeds 50, add $1.00, when the number of cents is less thau 50, 
 drop the cents. The Estimated Cash Value is the same on both Ordinary and Return 
 Premium plans. 
 
 56 
 

 
 
 
 New York Life Limited Tontine Estimates. 
 
 
 Twenty Payment Life Policies of $1,000 each. 
 
 
 TWENTY -YEAR TONTINE PERIOD. 
 
 ji 
 
 
 
 -C 
 
 
 OQ 
 
 
 
 
 
 Age at issue. 
 
 Ordinary Kate 
 
 Annual 
 
 Premiums. 
 
 *a R 
 
 O 
 
 '~ S c3 
 
 o 
 
 © .<2 
 
 -si! 
 
 o 
 
 o_Scd 
 
 I'll 
 
 o-i o 
 
 o 
 
 oq" CO 
 
 n'aYa 
 
 0h Ph 
 
 &a«^ 
 
 a^ a 
 >a^a 
 
 c§ M .2 
 
 Oh 
 
 g|s . 
 
 •3H-5 
 
 Oh ti 
 $1755 
 
 25 827 39 
 
 §30 85 
 
 $413 55 
 
 8276 45 
 
 $ 690 
 
 $1670 
 
 $547 80 
 
 8617 00 
 
 $ 312 
 
 $ 726 
 
 1 30 30 36 
 
 34 70 
 
 466 99 
 
 322 01 
 
 789 
 
 1695 
 
 607 20 
 
 694 00 
 
 368 
 
 835 
 
 1790 
 
 • 35 34 08 
 
 40 03 
 
 526 65 
 
 384 35 
 
 911 
 
 1730 
 
 681 60 
 
 800 60 
 
 452 
 
 979 
 
 1860 
 
 40 38 83 
 
 47 90 
 
 590 46 
 
 467 54 
 
 1058 
 
 1795 
 
 776 60 
 
 958 00 
 
 577 
 
 1167 
 
 1980 
 
 45 45 03 
 
 60 54 
 
 655 79 
 
 598 30 
 
 1254 
 
 1910 
 
 900 60 
 
 1210 80 
 
 805 
 
 1461 
 
 2230 
 
 50 53 38 
 
 83 33 
 
 718 96 
 
 827 04 
 
 1546 
 
 2150 
 
 1067 60 
 
 1666 60 
 
 1292 
 
 2011 
 
 2795 
 
 
 FIFTEEN -YEAR TONTINE PERIOD. 
 
 
 
 ■ 
 
 $27 39 
 
 §29 47 
 
 $274 66 
 
 $145 34 
 
 $ 420 
 
 $1140 
 
 8410 85 
 
 $442 05 
 
 $ 154 
 
 $ 429 
 
 $1165 
 
 30 
 
 30 36 
 
 32 89 
 
 311 24 
 
 165 76 
 
 477 
 
 1155 
 
 455 40 
 
 493 35 
 
 176 
 
 487 
 
 1180 
 
 35 
 
 34 OS 
 
 37 35 
 
 353 28 
 
 195 72 
 
 549 
 
 1175 
 
 511 20 
 
 560 25 
 
 210 
 
 563 
 
 1205 
 
 40 
 
 38 83 
 
 43 48 
 
 399 07 
 
 222 93 
 
 633 
 
 1200 
 
 582 45 
 
 652 20 
 
 256 
 
 655 
 
 1245 
 
 45 
 
 45 03 
 
 52 46 
 
 445 90 
 
 294 10 
 
 740 
 
 1255 
 
 675 45 
 
 786 90 
 
 330 
 
 776 
 
 1315 
 
 50 
 
 53 38 
 
 66 71 
 
 490 25 
 
 381 75 
 
 875 
 
 1335 
 
 800 70 
 
 1000 65 
 
 457 
 
 947 
 
 1445 
 
 
 TEN -YEAR TONTINE PERIOD. 
 
 
 
 25 
 
 827 39 
 
 828 42 
 
 $162 83 
 
 $ 57 17 
 
 $ 220 
 
 $ 670 
 
 $273 90 
 
 $284 20 
 
 $ 58 
 
 $221 
 
 $ 670 
 
 I 30 
 
 30 36 
 
 31 59 
 
 185 10 
 
 64 90 
 
 250 
 
 680 
 
 303 60 
 
 315 90 
 
 66 
 
 251 
 
 680 
 
 j 35 
 ! 40 
 
 34 08 
 
 35 60 
 
 211 23 
 
 73 77 
 
 285 
 
 690 
 
 340 80 
 
 356 09 
 
 76 
 
 287 
 
 690 
 
 38 83 
 
 40 87 
 
 241 12 
 
 89 88 
 
 331 
 
 710 
 
 388 30 
 
 408 70 
 
 92 
 
 333 
 
 715 
 
 * 45 
 
 45 03 
 
 48 09 
 
 272 99 
 
 110 01 
 
 383 
 
 730 
 
 450 30 
 
 480 90 
 
 114 
 
 387 
 
 735 
 
 ; 50 
 
 53 38 
 
 58 54 
 
 304 38 
 
 140 62 
 
 445 
 
 755 
 
 533 80 
 
 585 40 
 
 147 
 
 451 
 
 765 
 
 
 Fifteen Payment Life Policies of $1,00 
 
 O each. 
 
 
 
 TEN -YEAR TONTINE PERIOD. 
 
 
 
 ! 25 
 
 §32 34 
 
 $33 81 
 
 $216 97 
 
 $ 58 03 
 
 $ 275 
 
 $ 835 
 
 $323 40 
 
 $338 10 
 
 $ 60 
 
 $ 277 
 
 $ 840 
 
 ! [■■) 
 
 45 76 
 
 37 50 
 
 244 46 
 
 66 54 
 
 311 
 
 845 
 
 357 60 
 
 357 00 
 
 68 
 
 313 
 
 850 
 
 35 
 
 40 01 
 
 42 17 
 
 276 78 
 
 76 22 
 
 353 
 
 855 
 
 400 50 
 
 421 70 
 
 79 
 
 356 
 
 860 
 
 40 
 
 45 33 
 
 48 19 
 
 313 68 
 
 90 32 
 
 404 
 
 865 
 
 453 30 
 
 481 90 
 
 94 
 
 408 
 
 875 
 
 1 45 
 
 52 11 
 
 56 33 
 
 353 30 
 
 110 70 
 
 464 
 
 880 
 
 521 10 
 
 563 30 
 
 117 
 
 470 
 
 895 
 
 ■ EjO 
 
 6(1 91 
 
 67 87 
 
 392 74 
 
 140 26 
 
 533 
 
 905 
 
 609 10 
 
 678 70 
 
 151 
 
 544 
 
 920 
 
 bS 
 
 1 
 
 72 50 
 
 85 20 
 
 428 85 
 
 181 15 
 
 610 
 
 930 
 
 725 00 
 
 852 90 
 
 203 
 
 632 
 
 960 
 
 
 FIFTEEN -YEAR TONTINE PERIOD. 
 
 
 
 i 25 
 
 832 34 
 
 $35 34 
 
 $367 58 
 
 $155 42 
 
 $ 523 
 
 $1425 
 
 $485 10 
 
 $530 10 
 
 $ 170 
 
 $ 538 
 
 $1460 
 1470 
 2480 
 
 30 
 
 35 76 
 
 39 40 
 
 413 55 
 
 175 45 
 
 589 
 
 1425 
 
 536 40 
 
 591 00 
 
 193 
 
 607 
 
 35 
 
 49 01 
 
 44 69 
 
 466 99 
 
 205 01 
 
 672 
 
 4440 
 
 600 15 
 
 670 35 
 
 229 
 
 696 
 
 40 
 
 45 33 
 
 51 94 
 
 525 65 
 
 244 35 
 
 771 
 
 1465 
 
 679 95 
 
 779 10 
 
 280 
 
 807 
 
 1540 
 
 | 4b 
 
 52 11 
 
 62 55 
 
 590 46 302 54 
 
 893 
 
 1510 
 
 751 65 
 
 938 25 
 
 363 
 
 953 
 
 4615 
 
 1 50 
 
 63 91 
 
 79 34 
 
 655 70 1 387 30 
 
 1043 
 
 1590 
 
 913 65 
 
 1190 10 
 
 505 
 
 1161 
 
 1770 
 
 b5 
 
 72 50 
 
 108 75 
 
 718 96 524 04 
 
 1243 
 
 1730 
 
 1087 50 
 
 1631 25 
 
 786 
 
 1505 
 
 2095 
 
 * Return 
 
 Premium Rate is a Term Rate added to the Ordinary R 
 
 ates, which pro"\ 
 
 •ides fori 
 
 the inauraiM 
 
 •e sufficient in amount to cover the Premiums paid, she 
 
 uld death occu] 
 
 • within n 
 
 the Tontine 
 
 period. 
 
 
 | 
 
 57 
 
NEW YORK LIFE 
 
 Estimates on Non-Forfeiting--Tontine Limited Policy. 
 
 One Thousand Dollars payable at Death, should that event occur within 10 years, or if the 
 
 insured survives ten years, an Endowment of $300 will b» paid. Surviving 
 
 15-year period, $400; surviving 20-year period, $500. 
 
 RATE A. TEN- YEAR PERIOD. 
 
 So 
 
 $ 40 80 
 41 80 
 43 10 
 45 20 
 48 70 
 54 40 
 63 80 
 
 {Examples of Extended Insurance. Results at End of 10- Year Period 
 
 3Yrs Pd. 
 
 Term 
 Extn'd. 
 
 5Yrs Pd, 
 
 Term 
 Extn'd. 
 
 Ph a 
 
 £7: 
 
 $85 
 81 
 75 
 63 
 42 
 4 
 
 7Yrs Pd. 
 
 Term 
 Extn'd 
 
 a o 
 
 $170 
 168 
 164 
 156 
 143 
 118 
 77 
 
 418 
 431 
 452 
 487 
 544 
 638 
 
 
 300 
 300 
 
 300 
 
 86 
 93 
 101 
 114 
 135 
 163 
 211 
 
 
 393 
 401 
 414 
 435 
 463 
 511 
 
 -RATE C, TEN-YEAR PERIOD. 
 
 25 43 60 
 
 7 
 
 
 5 
 
 
 91 
 
 3 
 
 
 175 
 
 436 
 
 300 
 
 97 
 
 397 
 
 30' 44 80 
 
 7 
 
 
 5 
 
 
 87 
 
 3 
 
 
 173 
 
 448 
 
 300 
 
 105 
 
 405 
 
 35 
 
 46 60 
 
 6 
 
 5 
 
 5 
 
 
 82 
 
 3 
 
 
 170 
 
 466 
 
 300 
 
 115 
 
 415 
 
 40 
 
 49 40 
 
 5 
 
 9 
 
 5 
 
 
 72 
 
 3 
 
 
 164 
 
 494 
 
 300 
 
 129 
 
 429 
 
 45 
 
 54 50 
 
 4 
 
 10 
 
 5 
 
 
 56 
 
 3 
 
 
 155 
 
 545 
 
 300 
 
 157 
 
 457 
 
 50 
 
 63 60 
 
 4 
 
 
 5 
 
 
 27 
 
 3 
 
 
 139 
 
 636 
 
 300 
 
 204 
 
 504 
 
 55 
 
 80 30 
 
 3 
 
 4 
 
 4 
 
 8 
 
 
 3 
 
 
 117 
 
 803 
 
 300 
 
 281 
 
 581 
 
 RATE A, EIFTEEN-YEAR PERIOD. 
 
 25 
 
 34 90 
 
 5 
 
 4 
 
 10 
 
 
 
 8 
 
 
 77 
 
 523 50 
 
 400 
 
 201 
 
 601 
 
 SO 
 
 35 90 
 
 5 
 
 
 9 
 
 2 
 
 
 8 
 
 
 68 
 
 538 50 
 
 400 
 
 214 
 
 614 
 
 35 
 
 37 40 
 
 4 
 
 8 
 
 8 
 
 1 
 
 
 8 
 
 
 53 
 
 561 00 
 
 400 
 
 233 
 
 633 
 
 40 
 
 39 90 
 
 4 
 
 2 
 
 6 
 
 11 
 
 
 8 
 
 
 26 
 
 598 50 
 
 400 
 
 265 
 
 665 
 
 45 
 
 44 00 
 
 3 
 
 7 
 
 5 
 
 8 
 
 
 7 
 
 3 
 
 
 660 00 
 
 400 
 
 318 
 
 718 
 
 50 
 
 50 70 
 
 2 
 
 11 
 
 4 
 
 5 
 
 
 5 
 
 5 
 
 
 760 50 
 
 400 
 
 397 
 
 797 
 
 55 
 
 61 30 
 
 2 
 
 4 
 
 3 
 
 4 
 
 
 4 
 
 
 
 919 50 
 
 400 
 
 536 
 
 936 
 
 •RATE C, FIFTEEN- YEAR PERIOD- 
 
 38 30 
 
 39 SO 
 42 20 
 46 20 
 53 50 
 67 40 
 95 50 
 
 5 
 5 
 5 
 5 
 4 
 4 
 4 
 
 11 
 
 8 
 
 4 
 
 ...... 
 
 3 
 2 
 
 10 
 10 
 9 
 8 
 6 
 6 
 5 
 
 "2" 
 
 "ii" 
 
 1 
 11 
 
 
 8 
 8 
 8 
 8 
 8 
 7 
 6 
 
 ...... 
 
 11 
 
 89 
 82 
 71 
 52 
 
 20 
 
 574 50 
 597 00 
 633 00 
 693 00 
 802 50 
 1011 00 
 1432 50 
 
 400 
 400 
 400 
 400 
 400 
 400 
 400 
 
 228 
 248 
 277 
 323 
 411 
 584 
 951 
 
 628 
 648 
 677 
 723 
 811 
 984 
 1351 
 
 RATE A, TWENTY-YEAR PERIOD. 
 
 m 
 
 31 10 
 
 4 
 
 3 
 
 7 
 
 11 
 
 
 12 
 
 1 
 
 
 622 
 
 500 
 
 335 
 
 835 
 
 30 
 
 32 30 
 
 4 
 
 1 
 
 7 
 
 4 
 
 
 10 
 
 11 
 
 
 646 
 
 500 
 
 364 
 
 864 
 
 35 
 
 34 00 
 
 3 
 
 10 
 
 6 
 
 8 
 
 
 9 
 
 6 
 
 
 680 
 
 500 
 
 406 
 
 906 
 
 40 
 
 36 90 
 
 3 
 
 7 
 
 5 
 
 11 
 
 
 7 
 
 11 
 
 
 738 
 
 500 
 
 476 
 
 976 
 
 45 
 
 41 60 
 
 3 
 
 3 
 
 5 
 
 
 
 6 
 
 5 
 
 
 812 
 
 500 
 
 596 
 
 1096 
 
 50 
 
 49 20 
 
 2 
 
 9 
 
 4 
 
 1 
 
 
 5 
 
 1 
 
 
 984 
 
 500 
 
 822 
 
 1322 
 
 55 
 
 61 00 
 
 2 
 
 3 
 
 3 
 
 3 
 
 
 3 
 
 11 
 
 
 3220 
 
 500 
 
 1235 
 
 1735 
 
 RATE C, TWENTY-YEAR PERIOD- 
 
 25 
 
 35 40 
 
 5 
 
 
 9 
 
 2 
 
 
 13 
 
 
 
 708 
 
 500 
 
 403 
 
 903 
 
 |2185 
 
 :-.j 
 
 37 30 
 
 4 
 
 11 
 
 8 
 
 9 
 
 
 12 
 
 8 
 
 
 746 
 
 500 
 
 446 
 
 946 
 
 2025 
 
 ?: : 
 
 40 50 
 
 4 
 
 10 
 
 8 
 
 3 
 
 
 11 
 
 5 
 
 
 810 
 
 500 
 
 516 
 
 1016 
 
 1930 
 
 40 
 
 46 30 
 
 4 
 
 10 
 
 7 
 
 10 
 
 
 10 
 
 2 
 
 
 926 
 
 500 
 
 650 
 
 1150 
 
 1950 
 
 45 
 
 57 40 
 
 4 
 
 11 
 
 7 
 
 6 
 
 
 9 
 
 4 
 
 
 1148 
 
 500 
 
 919 
 
 1419 
 
 2165 
 
 50 
 
 80 00 
 
 5 
 
 3 
 
 7 
 
 8 
 
 
 9 
 
 4 
 
 
 1600 
 
 500 
 
 1511 
 
 2011 
 
 2800 
 
 55 
 
 132 80 
 
 6 
 
 5 
 
 9 
 
 3 
 
 
 11 
 
 3 
 
 
 2656 
 
 500 
 
 3042 
 
 3542 
 
 4560 
 
 *If death occurs within the period, a Mortuary Dividend of 100 per cent, of all premiums 
 paid will be paid with the face of the policy. 
 
 t A medical examination must be made of the party insured, by an approved examiner, 
 upon the blank furnished by the Company, without expense to the Company. Such medical 
 examination must be made within ninety days after the termination of the Endowment 
 Period, and be approved by the Medical Board at the Home office of the Company. 
 
 % If demand is not made by the insured for the extended insurance within six months 
 after lapse by non-payment of premium, the Policy becomes null and void. 
 
 t>t5 
 
NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY, 
 
 The following is taken from page 4 of the Estimate Book furnished the agents of the 
 Northwestern Mutual Life Insurance Company, of Milwaukee, issue of June, 1884: 
 
 " The estimates herein contained were originally prepared for the individual use of the 
 undersigned.- Other agents, finding them indispensable in properly and effectually working 
 the Semi-Tontine and Tontine plans, they have been published in the present form for their 
 accommodation. The premium rates are those in present use by the Northwestern Mutual 
 Life Insurance Company; and the ' Estimates ' are based on the dividends of that company 
 for 18S4, with 5J4 per cent, compound interest, Actuaries' table of mortality, and a lapse 
 probability corresponding with the different plans and Tontine periods. * * * * 
 
 The estimates are computed on the basis of $1,000 in every case. They are not guaranteed, 
 and the above-named company has nothing to do with their computation or with this 
 publication. Tbey are, however, believed to be conservative. 
 
 The sources of profit constituting the surplus in Tontine and Semi-Ton'ine Policies are 
 so variable as to render it impossible to foretell exact results ; and this, with the fact that 
 these are only estimates, should be stated to every applicant for this class of Policy." 
 
 * Edw'd J. Smith. 
 
 CXDER OATH.— Emory McClixtock, Actuary Northwestern Mutual Life, before the 
 Ohio Senate committee, appointed to investigate Tontine, testified : 
 
 " I do not think that there is any great speculation in Tontine for anybody." 
 (Page 173 of Report.) 
 
 H. L. Palmer, President of same company, before same committee : 
 '• I believe that the old sytems of life insurance, Ordinary Life and Endowment, are the 
 best." 
 
 (Pages 193 and 194, Report.) 
 
 (CONFIDENTIAL.) 
 
 The Northwestern Mutual Life Insurance Company Agents' Sup- 
 plementary Statement. 
 
 To be supplied whenever the Insurance exceeds $2,500. 
 
 Agents are expected to consider each question carefully before writing the answers. 
 Some of the questions may seem inquisitorial, but they are on matters which the agent would 
 bimself inquire into, if he were an officer of the company, needing to know all facts bearing 
 on the risk, before deciding on its acceptance. 
 
 Name of Applicant? 
 
 Amount applied for? 
 
 Date of examination ? 
 
 1. Has the examining physician recently made other examinations for this company? If 
 not, state his standing and length of residence in the community ; and, if another physician 
 has previously made examinations, give the reasons for employing this one. 
 
 2. Were you present at this examination ? 
 
 3. How long have you known the applicant ? If not long, state how you came to know 
 him, and what evidence you have that he is the person he represents himself to be. 
 
 4. Is your acquaintance with him sufficiently intimate to make you personally SURE that 
 he is, and has been for at least five years, temperate in his habits ? If not, state what his 
 reputation is in this respect. 
 
 5. Was this proposed insurance first suggested to him by you, or did the idea originate 
 with himself, or with some friend or insurance broker ? 
 
 6. What family has he depending on him for support ? 
 
 7. Does he talk of applying for insurance elsewhere ? If so, how much will he probably 
 take altogether ? 
 
 8. At a rough guess, what do his family expenses probably amount to annually ? 
 
 9. About how much is he reputed to be worth ? 
 
 10. Is he reputed to have met with pecuniary losses within the last few years? If so, state 
 briefly what you understand to be the facts. 
 
 11. Does he appear depressed or careworn ? If so, state what you suppose to be the cause. 
 
 12. Are his family relations reputed to be harmonious ? 
 
 After careful inquiry, I certify that the foregoing answers are correct, to the best of my 
 knowledge and belief. 
 
 , Agent. 
 
 Dated at , 
 
 18S... 
 
 59 
 
Northwestern Mutual Semi-Tontine. 
 
 Estimates on Ordinary Life Policies of $1,000 Each. 
 
 TWENTY-YEAR ACCUMULATIVE PERIOD. 
 
 6 
 
 xa 
 
 "S 
 O 
 
 fcJC 
 
 < 
 
 Si 
 
 >1 
 
 sg 
 
 
 Cash Value 
 Estimated. 
 
 Paid-up Value 
 
 Estimated. 
 Non- Partici- 
 pating. 
 
 _3 . 
 
 OS =-3 
 
 I'll 
 
 Pi 
 
 25 
 
 $19 63 
 
 $209 84 
 
 $370 16 
 
 $580 00 
 
 $1547 
 
 $392 60 
 
 30 
 
 22 63 
 
 253 29 
 
 434 98 
 
 688 27 
 
 1595 
 
 452 60 
 
 35 
 
 26 49 
 
 301 35 
 
 537 72 
 
 8S9 07 
 
 1711 
 
 529 80 
 
 40 
 
 31 57 
 
 352 84 
 
 680 53 
 
 1033 37 
 
 1856 
 
 631 40 
 
 45 
 
 38 46 
 
 412 91 
 
 894 99 
 
 1307 90 
 
 2088 
 
 769 20 
 
 50 
 
 47 70 
 
 472 73 
 
 1243 10 
 
 1715 83 
 
 2475 
 
 954 00 
 
 55 
 
 60 04 
 
 529 23 
 
 1927 07 
 
 2456 30 
 
 3258 
 
 1280 00 
 
 FIFTEEN-YEAR ACCUMULATIVE PERIOD- 
 
 25 
 
 $19 63 
 
 $144 12 
 
 $189 90 
 
 $334 02 
 
 $1006 
 
 $294 45 
 
 30 
 
 22 63 
 
 176 42 
 
 224 99 
 
 401 41 
 
 1065 
 
 339 45 
 
 35 
 
 26 49 
 
 214 30 
 
 269 15 
 
 483 45 
 
 1123 
 
 397 35 
 
 40 
 
 31 57 
 
 255 70 
 
 331 28 
 
 586 98 
 
 1192 
 
 473 55 
 
 45 
 
 38 46 
 
 301 66 
 
 425 96 
 
 727 62 
 
 1309 
 
 576 90 
 
 50 
 
 47 70 
 
 354 05 
 
 556 20 
 
 910 25 
 
 1455 
 
 715 50 
 
 55 
 
 60 04 
 
 406 28 
 
 789 16 
 
 1195 44 
 
 1729 
 
 900 60 
 
 TEN -YEAR ACCUMULATIVE PERIOD, 
 
 25 
 
 $19 63 
 
 $88 20 
 
 $ 71 86 
 
 $160 06 
 
 $528 
 
 $196 30 
 
 30 
 
 22 63 
 
 107 91 
 
 83 51 
 
 191 42 
 
 549 
 
 226 30 
 
 35 
 
 26 46 
 
 133 41 
 
 96 94 
 
 230 35 
 
 590 
 
 264 90 
 
 40 
 
 31 57 
 
 162 97 
 
 114 17 
 
 277 14 
 
 621 
 
 315 70 
 
 45 
 
 3S 46 
 
 193 79 
 
 151 20 
 
 344 99 
 
 673 
 
 384 60 
 
 50 
 
 47 70 
 
 t2tt 64 
 
 193 38 
 
 425 02 
 
 735 
 
 477 00 
 
 55 
 
 60 04 
 
 |272 64 
 
 256 21 
 
 528 85 
 
 807 
 
 600 40 
 
 Ten-Payment Life Policies of $1,000 Each. 
 
 TEN -YEAR ACCUMULATIVE PERIOD. 
 
 25 
 
 $42 05 
 
 $340 60 
 
 $126 02 
 
 $466 62 
 
 <$1370 
 
 $420 50 
 
 SO 
 
 46 76 
 
 381 04 
 
 138 61 
 
 519 65 
 
 1364 
 
 467 60 
 
 35 
 
 52 38 
 
 428 57 
 
 155 71 
 
 584 28 
 
 1363 
 
 523 80 
 
 40 
 
 59 17 
 
 481 91 
 
 178 78 
 
 660 69 
 
 1371 
 
 591 70 
 
 45 
 
 67 64 
 
 539 31 
 
 213 64 
 
 752 95 
 
 1396 
 
 676 40 
 
 50 
 
 77 99 
 
 599 43 
 
 261 69 
 
 .861 12 
 
 1436 
 
 779 90 
 
 55 
 
 90 50 
 
 660 17 
 
 330 33 
 
 990 50 
 
 1500 
 
 905 00 
 
 FIFTEEN-YEAR ACCUMULATIVE PERIOD- 
 
 25 
 
 $42 05 
 
 $381 04 
 
 $239 18 
 
 $620 22 
 
 ••=$1618 
 
 $420 50 
 
 30 
 
 46 76 
 
 428 57 
 
 266 41 
 
 694 98 
 
 1622 
 
 467 60 
 
 35 
 
 52 38 
 
 481 91 
 
 308 65 
 
 790 56 
 
 1640 
 
 523 80 
 
 40 
 
 59 17 
 
 539 31 
 
 360 60 
 
 899 91 
 
 1670 
 
 591 70 
 
 45 
 
 67 64 
 
 599 43 
 
 446 28 
 
 1045 71 
 
 1744 
 
 676 40 
 
 50 
 
 77 99 
 
 660 17 
 
 565 36 
 
 1225 53 
 
 1857 
 
 779 90 
 
 55 
 
 90 50 
 
 718 96 
 
 778 73 
 
 1497 69 
 
 20S4 
 
 905 00 
 
 TWENTY -YEAR ACCUMULATIVE PERIOD. 
 
 25 
 
 $12 05 
 
 $428 57 
 
 $425 35 
 
 $853 92 
 
 *$1992 
 
 $420 50 
 
 30 
 
 46 76 
 
 481 91 
 
 485 77 
 
 967 68 
 
 2007 
 
 467 60 
 
 35 
 
 52 38 
 
 539 31 
 
 573 36 
 
 1112 67 
 
 2063 
 
 523 80 
 
 40 
 
 59 17 
 
 599 43 
 
 698 19 
 
 1297 62 
 
 2165 
 
 591 70 
 
 45 
 
 67 64 
 
 660 17 
 
 893 83 
 
 1554 00 
 
 2354 
 
 676 40 
 
 50 
 
 77 99 
 
 718 96 
 
 1203 44 
 
 1922 40 
 
 2675 
 
 779 90 
 
 55 
 
 90 50 
 
 777 16 
 
 1811 69 
 
 25S8 85 
 
 3346 
 
 905 00 
 
 * Participating. 
 
 ht The-e figures are wrong, as printed in Northwestern Agents' Estimate book, 
 ge 50 is $226.84; at age 55 it is $262.35. 
 
 The reserve ; 
 
 60 
 
Northwestern Mutual Semi-Tontine. 
 
 Estimates on Fifteen-Payment Life Policies of $1,000 Each. 
 
 FIFTEEN -YEAR ACCUMULATIVE PERIOD. 
 
 ■3§ 
 
 531 S7 
 
 35 53 
 39 94 
 45 39 
 52 39 
 61 24 
 72 48 
 
 25 
 
 S381 04 
 42S 57 
 4S1 91 
 539 31 
 599 43 
 660 17 
 718 96 
 
 1295 79 
 333 23 
 384 39 
 
 448 10 
 547 18 
 683 72 
 922 82 
 
 $676 83 
 761 80 
 866 30 
 987 41 
 1146 61 
 1343 89 
 1641 78 
 
 r 
 
 $1776 
 1777 
 1798 
 1830 
 1913 
 2035 
 2284 
 
 $478 05 
 532 95 
 599 10 
 680 85 
 785 85 
 918 60 
 
 1087 20 
 
 TWENTY-YEAR ACCUMULATIVE PERIOD. 
 
 $31 87 
 35 53 
 39 94 
 45 39 
 52 39 
 61 24 
 72 48 
 
 $428 57 
 481 91 
 539 31 
 599 43 
 660 17 
 718 96 
 777 16 
 
 $459 77 
 524 76 
 618 19 
 750 57 
 956 50 
 1281 04 
 1916 17 
 
 $888 34 
 1006 67 
 1157 50 
 1350 00 
 1616 67 
 2000 00 
 2693 33 
 
 :=$2073 
 2087 
 2146 
 2252 
 2449 
 2773 
 3481 
 
 $478 05 
 532 95 
 599 10 
 680 85 
 785 85 
 918 60 
 
 1087 20 
 
 Twenty-Payment Life. 
 
 FIFTEEN- YEAR ACCUMULATIVE PERIOD. 
 
 25 
 
 $26 95 
 30 12 
 34 01 
 38 92 
 45 38 
 53 82 
 64 95 
 
 $285 79 
 322 90 
 363 97 
 406 53 
 448 21 
 490 25 
 528 25 
 
 $225 63 
 264 00 
 322 36 
 404 70 
 506 26 
 661 33 
 870 95 
 
 $511 42 
 586 90 
 686 33 
 811 23 
 954 47 
 1151 58 
 1399 20 
 
 t$1545 
 1555 
 1594 
 1649 
 1711 
 1837 
 1981 
 
 $404 25 
 451 80 
 510 15 
 583 80 
 680 70 
 807 30 
 974 25 
 
 TWENTY-YEAR ACCUMULATIVE PERIOD- 
 
 $26 95 
 30 12 
 34 01 
 38 92 
 45 38 
 53 82 
 64 95 
 
 $428 57 
 481 91 
 539 31 
 599 43 
 660 17 
 718 96 
 777 16 
 
 $508 13 
 
 579 49 
 
 681 59 
 
 824 47 
 
 1045 20 
 
 1390 31 
 
 2062 91 
 
 $936 70 
 1061 40 
 1220 90 
 1423 90 
 1705 20 
 2109 27 
 2840 07 
 
 ♦52185 
 2202 
 2263 
 2375 
 2583 
 2935 
 3673 
 
 $539 00 
 602 40 
 680 20 
 778 40 
 907 60 
 1076 40 
 1299 00 
 
 Participating. 
 
 t Non-participating. 
 
 Table of Proportionate Heights and "Weights 
 
 Of Healthy Men, with Variations Allowed by Life Insurance Companies in 
 the Medical Selection of Applicants for Insurance. 
 
 Heights. 
 
 Weights. 
 
 Feet. Inches. 
 
 Minimum 
 Pounds. 
 
 Average 
 Pounds. 
 
 Maximum 
 Pounds. 
 
 5 4 
 
 108 
 
 135 
 
 162 
 
 5 4J4 
 
 110 
 
 138 
 
 165 
 
 5 5 
 
 112 
 
 140 
 
 168 
 
 5 5% 
 
 113 
 
 142 
 
 170 
 
 5 6 
 
 114 
 
 143 
 
 172 
 
 5 6% 
 
 115 
 
 144 
 
 173 
 
 5 7 
 
 116 
 
 145 
 
 174 
 
 5 IM 
 
 117 
 
 147 
 
 176 
 
 5 8 
 
 118 
 
 148 
 
 178 
 
 5 8% 
 
 121 
 
 152 
 
 181 
 
 5 9 
 
 124 
 
 155 
 
 186 
 
 5 W/z 
 
 126 
 
 158 
 
 189 
 
 5 10 
 
 128 
 
 160 
 
 192 
 
 5 10>£ 
 
 130 
 
 163 
 
 195 
 
 5 11 
 
 132 
 
 165 
 
 198 
 
 5 llVi 
 
 134 
 
 168 
 
 200 
 
 6 
 
 136 
 
 170 
 
 204 
 
 Note.— Some Companies allow a greater variation than the above figures. 
 
 6 
 

 THE AMERICAN TABLE. 
 
 
 Age. 
 
 Expectation 
 of Life. 
 
 Number 
 
 Dying of Each 
 
 1000 
 
 Age. 
 
 Expectation 
 of Life. 
 
 Number 
 
 Dying of Each. 
 
 1000 
 
 20 
 
 42.20 
 
 7.81 
 
 58 
 
 15.39 
 
 22.94 
 
 21 
 
 41.53 
 
 7.85 
 
 59 
 
 14.74 
 
 24.72 
 
 22 
 
 40.85 
 
 7.90 
 
 60 
 
 14.09 
 
 26.69 
 
 23 
 
 40.17 
 
 7.95 
 
 61 
 
 13.47 
 
 28.88 
 
 24 
 
 39.49 
 
 8.01 
 
 62 
 
 12.86 
 
 31.29 
 
 25 
 
 38.81 
 
 8.07 
 
 63 
 
 12.26 
 
 33.94 
 
 26 
 
 38.11 
 
 8.13 
 
 64 
 
 11.67 
 
 36.87 
 
 27 
 
 37.43 
 
 8.19 
 
 65 
 
 11.10 
 
 40.13 
 
 28 
 
 36.73 
 
 8.27 
 
 66 
 
 10.54 
 
 43.71 
 
 29 
 
 36.03 
 
 8.34 
 
 67 
 
 10.00 
 
 47.65 
 
 30 
 
 35.33 
 
 8.42 
 
 68 
 
 9.47 
 
 52.00 
 
 31 
 
 34.62 
 
 8.51 
 
 69 
 
 8.97 
 
 56.76 
 
 32 
 
 33.92 
 
 8.61 
 
 70 
 
 8.48 
 
 61.99 
 
 33 
 
 33.21 
 
 8.71 
 
 71 
 
 8.00 
 
 67.66 
 
 34 
 
 32.50 
 
 8.83 
 
 72 
 
 7.55 
 
 73.73 
 
 35 
 
 31.78 
 
 8.95 
 
 73 
 
 7.11 
 
 80.18 
 
 36 
 
 31.07 
 
 9.09 
 
 74 
 
 6.68 
 
 87.03 
 
 37 
 
 30.35 
 
 9.24 
 
 75 
 
 6.27 
 
 94.37 
 
 38 
 
 29.62 
 
 9.41 
 
 76 
 
 5.88 
 
 102.31 
 
 39 
 
 28.90 
 
 9.59 
 
 77 
 
 5.49 
 
 111.06 
 
 40 
 
 28.18 
 
 9.79 
 
 78 
 
 5.11 
 
 120.83 
 
 41 
 
 27.45 
 
 10.01 
 
 79 
 
 4.74 
 
 131.73 
 
 42 
 
 26.72 
 
 10.25 
 
 80 
 
 4.39 
 
 144.47 
 
 43 
 
 25.99 
 
 10.52 
 
 81 
 
 4.05 
 
 158.60 
 
 44 
 
 25.27 
 
 10.82 
 
 82 
 
 3.71 
 
 174.30 
 
 45 
 
 24.54 
 
 11.17 
 
 83 
 
 3.39 
 
 191.56 
 
 46 
 
 23.80 
 
 11.56 
 
 84 
 
 3.08 
 
 211.36 
 
 47 
 
 23.08 
 
 12.00 
 
 85 
 
 2.77 
 
 235.55 
 
 48 
 
 22.36 
 
 12.52 
 
 86 
 
 2.47 
 
 265.68 
 
 49 
 
 21.63 
 
 13.10 
 
 87 
 
 2.18 
 
 303.02 
 
 50 
 
 20.91 
 
 13.78 
 
 88 
 
 1.91 
 
 346.69 
 
 51 
 
 20.20 
 
 14.54 
 
 89 
 
 1.66 
 
 395.86 
 
 52 
 
 19.49 
 
 15.39 
 
 90 
 
 1.42 
 
 454.54 
 
 53 
 
 18.79 
 
 16.34 
 
 91 
 
 1.19 
 
 532.46 
 
 54 
 
 18.09 
 
 17.40 
 
 92 
 
 .98 
 
 634.25 
 
 55 
 
 17.40 
 
 18.58 
 
 93 
 
 .80 
 
 734.17 
 
 56 
 
 16.72 
 
 19.88 
 
 94 
 
 .64 
 
 857.14 
 
 57 
 
 16.05 
 
 21.33 
 
 95 
 
 .50 
 
 1000.00 
 
 Constructed from the American Experience Table of Mortality, 
 showing the chances, at a given age, of dying within a speci- 
 fied number of years thereafter. 
 
 
 s.s 
 
 S.S 
 
 ° 1 O ji 
 
 8.2 
 
 S.S 
 
 
 ^.a 
 
 H^ 
 
 ^a . 
 
 1-1 .3 . 
 
 '-^ . 
 
 ^rd . 
 
 
 flSg 
 
 
 AS 2 
 
 •St! h 
 
 
 
 Age. 
 
 s|l 
 
 $ be? 
 
 §&oS> 
 
 w " 
 
 SbcS? 
 
 CO **» 
 
 CO "^ 
 
 
 3-£S 
 
 
 
 9TW 
 
 
 
 
 &"3 
 
 A^ 
 
 A-e 
 
 #>o 
 
 J!^ 
 
 fl*0 
 
 
 o- 
 
 o<g 
 
 o-g 
 
 ©is 
 
 o-g 
 
 ©"S 
 
 25 
 
 8.10 
 
 12.27 
 
 16.67 
 
 21.60 
 
 27.48 
 
 34.95 
 
 26 
 
 8.18 
 
 12.43 
 
 16.95 
 
 22.05 
 
 28.25 
 
 36.20 
 
 27 
 
 8.27 
 
 12.59 
 
 17.24 
 
 22.55 
 
 29.10 
 
 37.51 
 
 28 
 
 8.37 
 
 12.77 
 
 17.55 
 
 23.11 
 
 30.04 
 
 38.96 
 
 29 
 
 8.47 
 
 12.97 
 
 17.91 
 
 23.74 
 
 31.08 
 
 40.54 
 
 30 
 
 8.59 
 
 13.19 
 
 18.30 
 
 24.43 
 
 32.21 
 
 42.25 
 
 31 
 
 8.71 
 
 13.43 
 
 18.74 
 
 25.21 
 
 33.46 
 
 44.10 
 
 32 
 
 8.85 
 
 13.69 
 
 19.24 
 
 26.07 
 
 34.83 
 
 46.08 
 
 33 
 
 9.00 
 
 13.99 
 
 19.79 
 
 27.02 
 
 36.32 
 
 48.21 
 
 34 
 
 9.17 
 
 14.32 
 
 20.41 
 
 28.06 
 
 37.94 
 
 50.47 
 
 35 
 
 9.35 
 
 14.69 
 
 21.09 
 
 29.22 
 
 39.70 
 
 52.86 
 
 36 
 
 9.55 
 
 15.10 
 
 21.86 
 
 30.48 
 
 41.59 
 
 55.39 
 
 37 
 
 9.78 
 
 15.57 
 
 22.71 
 
 31.87 
 
 43.63 
 
 58.02 
 
 38 
 
 10.03 
 
 16.10 
 
 23.66 
 
 33.39 
 
 45.82 
 
 60.76 
 
 39 
 
 10.31 
 
 16.68 
 
 24.70 
 
 35.04 
 
 48.15 
 
 63.56 
 
 40 
 
 10.63 
 
 17.34 
 
 25.85 
 
 36.83 
 
 50.62 
 
 66.41 
 
 41 
 
 10.99 
 
 18.07 
 
 27.11 
 
 38.76 
 
 53.22 
 
 69.28 
 
 42 
 
 11.40 
 
 18.89 
 
 28.50 
 
 40.85 
 
 55.95 
 
 72.14 
 
 43 
 
 11.86 
 
 19.80 
 
 30.02 
 
 43.08 
 
 58.77 
 
 74.99 
 
 44 
 
 12.37 
 
 20.80 
 
 31.68 
 
 45.47 
 
 61.68 
 
 77.77 
 
 43 
 
 12.96 
 
 21.92 
 
 33.48 
 
 48.00 
 
 64.63 
 
 80.49 
 
 46 
 
 13.61 
 
 22.14 
 
 35.43 
 
 50.67 
 
 67.60 
 
 83.12 
 
 47 
 
 14.34 
 
 24.49 
 
 37.53 
 
 53.47 
 
 70.58 
 
 85.63 
 
 48 
 
 15.15 
 
 25.96 
 
 39.78 
 
 56.38 
 
 73.53 
 
 87.99 
 
 49 
 
 16. 04 
 
 27.58 
 
 42.19 
 
 59.37 
 
 76.43 
 
 90.17 
 
 50 
 
 17.03 
 
 29.32 
 
 44.75 
 
 62.41 
 
 79.26 
 
 92.14 
 
 51 
 
 18.12 
 
 31.20 
 
 47.45 
 
 65.48 
 
 82.01 
 
 
 52 
 
 19.31 
 
 33.24 
 
 50.28 
 
 68.56 
 
 84.64 
 
 
 53 
 
 20.61 
 
 35.43 
 
 53.23 
 
 71.61 
 
 87.14 
 
 
 54 
 
 22.03 
 
 37.77 
 
 56.26 
 
 74.63 
 
 89.41 
 
 
 55 
 
 23.58 
 
 40.26 
 
 59.36 
 
 77.58 
 
 91.50 
 
 
 56 
 
 25.26 
 
 42.91 
 
 
 
 
 
 57 
 
 27.07 
 
 45.69 
 
 
 
 
 
 58 
 
 29.03 
 
 48.60 
 
 
 
 
 
 59 
 
 31.14 
 
 51.61 
 
 
 
 
 
 60 
 
 33.41 
 
 54.70 
 
 
 
 
 EXPIiANATION — A1 
 
 ; age 40, what are the chances of living 20 years longei 
 
 " ? By looking 
 e 40, there will 
 
 under the heading " Ch 
 
 ances in 100 of dying within 20 years," at the right of ag 
 
 be found 25.85. Subtracting this from 100 leaves 74.15. A little more tnan <i cr 
 
 lances in 100 to 
 
 live, and a trifle less than 26 chances to die, in the next 20 years, and similarly 
 
 with reference 
 
 1 to any other age or time. Used by agents in Endowments. 
 
 
 62 
 
MUTUAL LIFE FIVE-YEAR DISTRIBUTION PREMIUMS. 
 
 Note.— In the Mutual Life Five- Year Distribution Plan, with a return of all premiums 
 paid, in event of death within any five year period, the Annual Premiums are the same as in 
 the New York Life Five- Year Dividend Policies, with a Mortuary Dividend of 100 per cent. 
 of all premiums paid during the five-year period in which death may occur. 
 
 (See pages 66 and 67.) 
 
 63 
 
' Five-Year Distribution Policy of the Mutual Life Insurance Coni- 
 
 
 
 
 pany, of New York. 
 
 
 
 Cash Surrender Values per $1,000. 
 
 
 LIFE-PLAN PREMIUMS FOR LIFE. 
 
 LIFE-PLAN PREM'S 
 FOR 10 YRS. 
 
 LIFE-PLAN PREM'S 
 FOR 15 YRS. 
 
 
 Age 
 
 At the End of 
 
 Age 
 
 At End of 
 
 At End of 
 
 
 at 
 Issue. 
 
 5 Yrs. 
 
 10 Yrs. 
 
 15 Yrs. 
 
 20 Yrs. 
 
 25 Yrs. 
 
 at 
 Issue. 
 
 5 Yrs. 
 
 10 Yrs. 
 
 5 Yrs. 
 
 10 Yrs. 
 
 15 Yrs. 
 
 
 25 
 
 $ 26 
 
 $ 73 
 
 §122 
 
 $181 
 
 $252 
 
 25 
 
 $102 
 
 $293 
 
 $67 
 
 $192 
 
 $330 
 
 
 26 
 
 27 
 
 76 
 
 128 
 
 190 
 
 263 
 
 26 
 
 105 
 
 300 
 
 69 
 
 197 
 
 339 
 
 
 27 
 
 28 
 
 80 
 
 134 
 
 199 
 
 274 
 
 27 
 
 107 
 
 307 
 
 71 
 
 203 
 
 348 
 
 
 28 
 
 30 
 
 84 
 
 140 
 
 208 
 
 285 
 
 28 
 
 110 
 
 315 
 
 73 
 
 208 
 
 357 
 
 
 29 
 
 31 
 
 88 
 
 147 
 
 217 
 
 297 
 
 29 
 
 113 
 
 322 
 
 75 
 
 213 
 
 366 
 
 
 30 
 
 33 
 
 92 
 
 154 
 
 227 
 
 309 
 
 30 
 
 115 
 
 330 
 
 77 
 
 219 
 
 376 
 
 
 31 
 
 35 
 
 97 
 
 161 
 
 237 
 
 321 
 
 31 
 
 118 
 
 339 
 
 79 
 
 225 
 
 386 
 
 
 32 
 
 36 
 
 101 
 
 169 
 
 247 
 
 334 
 
 32 
 
 122 
 
 348 
 
 81 
 
 231 
 
 896 
 
 
 33 
 
 38 
 
 106 
 
 176 
 
 257 
 
 347 
 
 33 
 
 125 
 
 357 
 
 84 
 
 238 
 
 407 
 
 
 \ 34 
 
 40 
 
 112 
 
 185 
 
 268 
 
 360 
 
 34 
 
 128 
 
 366 
 
 86 
 
 245 
 
 418 
 
 
 35 
 
 42 
 
 117 
 
 193 
 
 279 
 
 373 
 
 35 
 
 131 
 
 376 
 
 89 
 
 251 
 
 430 
 
 
 36 
 
 44 
 
 123 
 
 202 
 
 290 
 
 386 
 
 36 
 
 135 
 
 386 
 
 91 
 
 258 
 
 441 
 
 
 37 
 
 46 
 
 129 
 
 211 
 
 302 
 
 899 
 
 37 
 
 139 
 
 396 
 
 94 
 
 266 
 
 453 
 
 
 38 
 ! 39 
 
 49 
 
 135 
 
 220 
 
 313 
 
 413 
 
 38 
 
 143 
 
 407 
 
 96 
 
 273 
 
 465 
 
 
 51 
 
 141 
 
 229 
 
 325 
 
 426 
 
 39 
 
 147 
 
 418 
 
 99 
 
 281 
 
 478 
 
 
 \ 40 
 
 54 
 
 148 
 
 239 
 
 337 
 
 440 
 
 40 
 
 151 
 
 430 
 
 102 
 
 289 
 
 490 
 
 
 i 41 
 
 57 
 
 154 
 
 249 
 
 350 
 
 453 
 
 41 
 
 155 
 
 441 
 
 105 
 
 297 
 
 503 
 
 
 i 42 
 
 59 
 
 161 
 
 258 
 
 362 
 
 467 
 
 42 
 
 159 
 
 453 
 
 108 
 
 305 
 
 516 
 
 
 43 
 
 62 
 
 169 
 
 269 
 
 374 
 
 480 
 
 43 
 
 163 
 
 465 
 
 112 
 
 313 
 
 530 
 
 
 44 
 
 65 
 
 176 
 
 279 
 
 387 
 
 493 
 
 44 
 
 168 
 
 478 
 
 115 
 
 321 
 
 543 
 
 
 45 
 
 68 
 
 183 
 
 289 
 
 399 
 
 507 
 
 45 
 
 173 
 
 490 
 
 118 
 
 330 
 
 557 
 
 
 i 46 
 
 72 
 
 191 
 
 300 
 
 411 
 
 519 
 
 46 
 
 177 
 
 503 
 
 121 
 
 338 
 
 570 
 
 
 47 
 
 75 
 
 199 
 
 310 
 
 424 
 
 532 
 
 47 
 
 182 
 
 516 
 
 125 
 
 346 
 
 584 
 
 
 48 
 
 78 
 
 206 
 
 321 
 
 436 
 
 545 
 
 48 
 
 187 
 
 530 
 
 128 
 
 355 
 
 598 
 
 
 49 
 
 82 
 
 214 
 
 332 
 
 448 
 
 557 
 
 49 
 
 191 
 
 543 
 
 131 
 
 363 
 
 611 
 
 
 50 
 
 85 
 
 222 
 
 312 
 
 460 
 
 570 
 
 50 
 
 196 
 
 556 
 
 134 
 
 371 
 
 625 
 
 
 51 
 
 89 
 
 230 
 
 353 
 
 472 
 
 582 
 
 51 
 
 201 
 
 570 
 
 138 
 
 379 
 
 639 
 
 
 52 
 
 92 
 
 239 
 
 364 
 
 484 
 
 595 
 
 52 
 
 205 
 
 584 
 
 141 
 
 387 
 
 652 
 
 
 53 
 
 96 
 
 247 
 
 375 
 
 495 
 
 607 
 
 53 
 
 210 
 
 598 
 
 144 
 
 395 
 
 666 
 
 
 54 
 
 100 
 
 255 
 
 385 
 
 507 
 
 620 
 
 54 
 
 215 
 
 611 
 
 147 
 
 402 
 
 679 
 
 
 55 
 
 103 
 
 264 
 
 396 
 
 518 
 
 634 
 
 55 
 
 219 
 
 625 
 
 150 
 
 410 
 
 692 
 
 
 56 
 
 107 
 
 272 
 
 406 
 
 530 
 
 647 
 
 56 
 
 223 
 
 639 
 
 153 
 
 417 
 
 705 
 
 
 57 
 
 111 
 
 281 
 
 416 
 
 542 
 
 661 
 
 57 
 
 228 
 
 652 
 
 156 
 
 423 
 
 718 
 
 
 58 
 
 115 
 
 289 
 
 426 
 
 554 
 
 675 
 
 58 
 
 232 
 
 666 
 
 159 
 
 430 
 
 730 
 
 
 59 
 
 119 
 
 297 
 
 436 
 
 566 
 
 689 
 
 59 
 
 236 
 
 679 
 
 161 
 
 436 
 
 742 
 
 
 60 
 
 123 
 
 306 
 
 446 
 
 579 
 
 705 
 
 60 
 
 240 
 
 692 
 
 161 
 
 441 
 
 754 
 
 
 LIFE-PLAN PREMIUMS FOR 20 YEARS. 
 
 E ND O W M E I 
 Premiums Us 
 
 S T T POLICY. 
 til, Maturity. 
 
 
 Age 
 
 at 
 Issue. 
 
 At End c 
 
 )F 
 
 
 5 Years. 
 
 10 Years. 15 ' 
 
 Fears. 
 
 2i 
 
 3 Years. 
 
 
 25 
 
 26 
 27 
 28 
 29 
 30 
 31 
 32 
 
 $ 51 
 52 
 53 
 55 
 57 
 58 
 60 
 
 $144 
 
 $ 
 
 246 
 
 fl&7fi 
 
 
 148 
 152 
 157 
 161 
 166 
 171 
 
 
 253 
 260 
 267 
 275 
 283 
 291 
 
 V 386 
 396 
 407 
 418 
 430 
 441 
 
 Age 
 
 AT 
 
 Issue. 
 
 At Death, 
 
 OR IN 
 
 10 Years. 
 
 At Death or in 
 15 Years. 
 
 
 At End of 
 
 At End of 1 At End of 
 
 
 62 
 
 176 
 
 
 299 
 308 
 
 453 
 
 
 5 Years. 
 
 5 Years. 
 
 10 Years. 
 
 
 33 
 
 64 
 
 181 
 
 
 465 
 
 
 
 
 
 
 34 
 
 66 
 
 186 
 
 
 316 
 
 478 
 
 25 
 
 $348 
 
 $201 
 
 $577 
 
 
 35 
 
 68 
 
 192 
 
 
 325 
 
 490 
 
 30 
 
 347 
 
 201 
 
 576 
 
 
 36 
 
 70 
 
 198 
 
 
 334 
 
 503 
 
 35 
 
 347 
 
 200 
 
 575 
 
 
 37 
 
 72 
 
 204 
 
 
 344 
 
 516 
 
 40 
 
 346 
 
 200 
 
 574 
 
 
 38 
 
 75 
 
 210 
 
 
 353 
 
 530 
 
 45 
 
 345 
 
 200 
 
 572 
 
 
 39 
 
 77 
 
 216 
 
 
 363 
 
 543 
 
 50 
 
 343 
 
 200 
 
 568 
 
 
 40 
 
 80 
 
 223 
 
 
 372 
 
 557 
 
 55 
 
 339 
 
 198 
 
 561 
 
 
 41 
 
 82 
 
 229 
 
 
 382 
 
 570 
 
 60 
 
 332 
 
 197 
 
 549 
 
 
 42 
 43 
 
 85 
 87 • 
 
 236 
 212 
 
 
 392 
 402 
 
 584 
 598 
 
 
 
 
 
 
 
 
 
 44 
 
 90 
 
 249 
 
 
 412 
 
 611 
 
 
 
 
 45 
 
 93 
 
 256 
 
 
 421 
 
 625 
 
 At Death ob 
 
 in 20 Years. 
 
 
 46 
 
 96 
 
 262 
 
 
 431 
 
 639 
 
 
 
 
 47 
 48 
 49 
 50 
 51 
 
 99 
 101 
 104 
 107 
 
 269 
 276 
 282 
 289 
 
 
 441 
 450 
 459 
 469 
 
 652 
 666 
 679 
 692 
 
 
 
 
 
 Age at 
 
 At End of 
 
 At End of 
 
 At End of 
 
 
 110 
 
 295 
 
 
 477 
 
 705 
 
 Issue. 
 
 5 Years. 
 
 10 Years. 
 
 15 Years 
 
 
 52 
 53 
 
 113 
 116 
 
 301 
 
 308 
 
 
 486 
 494 
 
 718 
 730 
 
 
 
 
 
 
 
 
 
 
 
 54 
 
 118 
 
 314 
 
 
 502 
 
 742 
 
 25 
 
 $130 
 
 $373 
 
 $645 
 
 
 55 
 
 121 
 
 320 
 
 
 510 
 
 754 
 
 30 
 
 130 
 
 373 
 
 645 
 
 
 56 
 
 124 
 
 326 
 
 
 517 
 
 766 
 
 35 
 
 131 
 
 373 
 
 644 
 
 
 57 
 
 127 
 
 331 
 
 
 524 
 
 778 
 
 40 
 
 132 
 
 374 
 
 643 
 
 
 58 
 
 130 
 
 337 
 
 
 530 
 
 790 
 
 45 
 
 134 
 
 375 
 
 640 
 
 
 59 
 
 133 
 
 342 
 
 
 535 
 
 802 
 
 50 
 
 136 
 
 377 
 
 636 
 
 
 60 
 
 ■ ■ ■»■■•■.■■■■■ 
 
 136 
 
 347 
 
 
 541 
 
 813 
 
 55 
 
 140 
 
 378 
 
 628 
 
 
 64 
 
Five-Year Distribution Policy of the Mutual Life Insurance Com- 
 pany, of New York. 
 
 Cash Surrender Values per $1,000. 
 
 ENDOWMENT POLICY. 
 
 PREMIUMS UNTIL MATURITY. 
 
 At Death, ok in 25 Years. 
 
 Age 
 
 at 
 
 Issue. 
 
 At End 
 
 of 
 5 Years. 
 
 At End 
 
 of 
 10 Years. 
 
 At End 
 
 of 
 15 Years. 
 
 At End 
 
 of 
 20 Years. 
 
 25 
 
 $ 90 
 
 $257 
 
 $444 
 
 $685 
 
 30 
 
 90 
 
 25S 
 
 444 
 
 684 
 
 35 
 
 92 
 
 261 
 
 446 
 
 684 
 
 40 
 
 94 
 
 266 
 
 449 
 
 683 
 
 45 
 
 99 
 
 273 
 
 454 
 
 681 
 
 50 
 
 106 
 
 284 
 
 461 
 
 677 
 
 Payable at Death, or in 30 Years. 
 
 Age 
 
 at 
 
 Issue. 
 
 At End 
 
 of 
 5 Y^rs. 
 
 At End 
 
 of 
 10 Yrs. 
 
 At End 
 
 of 
 15 Yrs. 
 
 At End At End 
 
 of of 
 20 Yrs, j 25 Yrs. 
 
 25 
 
 $65 
 
 $186 
 
 $319 
 
 $490 
 
 $710 
 
 30 66 
 
 189 
 
 323 
 
 492 
 
 710 
 
 35 
 
 69 
 
 194 
 
 329 
 
 497 
 
 710 
 
 40 
 
 73 
 
 205 
 
 341 
 
 504 
 
 710 
 
 45 
 
 81 
 
 221 
 
 357 
 
 515 
 
 710 
 
 ENDOWMENT POLICY. 
 Premiums for Ten Years. 
 
 
 At Death, or 
 
 At Death, or 
 
 At Death, or 
 
 At Death, or 
 
 
 in 15 Years. 
 
 in 20 Years. 
 
 in 25 Years. 
 
 in 30 Years. 
 
 Age 
 
 
 
 
 
 AT 
 
 
 
 
 
 
 
 
 
 Issue. 
 
 At End 
 
 At End 
 
 At End 
 
 At End 
 
 At End 
 
 At End 
 
 At End 
 
 At End 
 
 
 of 
 
 of 
 
 ot 
 
 of 
 
 of 
 
 of 
 
 of 
 
 of 
 
 
 5 Years. 
 
 10 Years. 
 
 5 Years. 
 
 10 Years. 
 
 5 Years. 
 
 10 Years. 
 
 5 Years. 
 
 10 Years. 
 
 25 
 
 $280 
 
 $805 
 
 $229 
 
 $657 
 
 $190 
 
 $544 
 
 $160 
 
 $459 
 
 30 
 
 280 
 
 806 
 
 229 
 
 658 
 
 191 
 
 548 
 
 163 
 
 467 
 
 35 
 
 280 
 
 806 
 
 230 
 
 661 
 
 193 
 
 555 
 
 167 
 
 479 
 
 40 
 
 280 
 
 807 
 
 232 
 
 666 
 
 198 
 
 566 
 
 175 
 
 500 
 
 45 
 
 281 
 
 809 
 
 235 
 
 675 
 
 205 
 
 585 
 
 187 
 
 532 
 
 50 
 
 281 
 
 813 
 
 240 
 
 688 
 
 215 
 
 614 
 
 
 
 55 
 
 281 
 
 818 
 
 246 
 
 709 
 
 
 
 
 
 60 
 
 280 
 
 826 
 
 
 
 
 
 
 
 SEMI- ENDOWMENT POLICY. 
 
 Premiums Until Maturity. 
 
 Policy payable for half the amount in 20 years, or for full amount in case of prior death. 
 
 AOE AT 
 
 At End of 5 
 
 At End of 10 
 
 At End of 15 
 
 Issue. 
 
 Years. 
 
 Years. 
 
 Years. 
 
 25 
 
 $ 66 
 
 $189 
 
 $325 
 
 30 
 
 67 
 
 191 
 
 327 
 
 35 
 
 69 
 
 195 
 
 331 
 
 40 
 
 73 
 
 203 
 
 338 
 
 45 
 
 79 
 
 215 
 
 348 
 
 50 
 
 89 
 
 234 
 
 364 
 
 55 
 
 102 
 
 259 
 
 887 
 
 60 
 
 119 
 
 291 
 
 414 
 
 Q5 
 
Premium for $1,000 Policy on the Five- Year Dividend Plan of the 
 
 
 New York Life Insurance Company. 
 
 A Mortuary Dividend of ONE HUNDRED per cent, of all premiums paid during the five- 
 year period in which death may occur will be paid with the amount of the policy. 
 
 Age. 
 
 Ordinary Life. 
 
 R Aere. 
 
 Fifteen-Payment Life. 
 
 Annual. 
 
 Semi-Ann'l 
 
 Quarterly.! 
 
 Annual. 
 
 Semi-Ann'l 
 
 Quarterly. 
 
 25 
 ' 26 
 27 
 28 
 29 
 
 $21 80 
 
 22 40 
 
 23 00 
 
 23 70 
 
 24 40 
 
 $11 34 
 11 65 
 
 11 96 
 
 12 32 
 12 69 
 
 $5 78 
 
 5 94 
 
 6 10 
 6 28 
 6 47 
 
 25 
 26 
 27 
 28 
 29 
 
 $34 20 
 
 34 90 
 
 35 60 
 
 36 40 
 
 37 20 
 
 $17 78 
 18 15 
 18 51 
 
 18 93 
 
 19 34 
 
 $ 9 06 
 9 25 
 9 43 
 9 65 
 9 86 
 
 30 
 31 
 32 
 33 
 34 
 
 25 10 
 
 25 80 
 
 26 60 
 
 27 50 
 
 28 50 
 
 13 05 
 13 42 
 
 13 83 
 
 14 30 
 14 82 
 
 6 65 
 
 6 84 
 
 7 05 
 7 29 
 7 55 
 
 30 
 31 
 32 
 33 
 34 
 
 38 00 
 
 38 90 
 
 39 80 
 
 40 70 
 
 41 70 
 
 19 76 
 
 20 23 
 
 20 70 
 
 21 16 
 21 68 
 
 10 07 
 10 31 
 10 55 
 
 10 79 
 
 11 05 
 
 35 
 36 
 37 
 38 
 39 
 
 29 50 
 
 30 60 
 
 31 70 
 
 32 90 
 34 20 
 
 15 34 
 
 15 91 
 
 16 48 
 
 17 11 
 17 78 
 
 7 82 
 
 8 11 
 8 40 
 
 8 72 
 
 9 06 
 
 35 
 
 36 
 37 
 38 
 39 
 
 42 70 
 
 43 80 
 
 45 00 
 
 46 20 
 
 47 50 
 
 22 20 
 
 22 78 
 
 23 40 
 
 24 02 
 24 70 
 
 U 32 
 11 61 
 
 11 93 
 
 12 24 
 12 59 
 
 40 
 41 
 42 
 43 
 
 44 
 
 35 60 
 
 37 10 
 
 38 70 
 40 40 
 42 20 
 
 18 51 
 
 19 29 
 
 20 12 
 
 21 01 
 21 94 
 
 9 43 
 
 9 83 
 
 10 26 
 
 10 71 
 
 11 18 
 
 40 
 41 
 42 
 43 
 44 
 
 48 80 
 
 50 20 
 
 51 70 
 53 30 
 55 00 
 
 25 38 
 
 26 10 
 
 26 88 
 
 27 72 
 
 28 60 
 
 12 93 
 
 13 30 
 
 13 70 
 
 14 12 
 14 58 
 
 45 
 46 
 47 
 48 
 49 
 
 42 20 
 46 30 
 48 60 
 51 10 
 53 80 
 
 22 98 
 
 24 08 
 
 25 27 
 
 26 57 
 
 27 98 
 
 11 71 
 
 12 27 
 
 12 88 
 
 13 54 
 
 14 26 
 
 45 
 46 
 47 
 48 
 49 
 
 56 90 
 58 90 
 61 00 
 63 30 
 65 70 
 
 29 59 
 
 30 63 
 
 31 72 
 
 32 92 
 34 16 
 
 15 08 
 
 15 61 
 
 16 17 
 
 16 77 
 
 17 41 
 
 50 
 
 51 
 52 
 53 
 54 
 
 56 80 
 60 00 
 63 40 
 67 10 
 71 20 
 
 29 54 
 
 31 20 
 
 32 97 
 34 89 
 37 02 
 
 15 05 
 
 15 90 
 
 16 80 
 
 17 78 
 
 18 87 
 
 50 
 
 51 
 52 
 53 
 54 
 
 68 30 
 71 10 
 74 10 
 77 40 
 81 00 
 
 35 52 
 
 36 97 
 38 53 
 40 25 
 42 12 
 
 18 10 
 
 18 84 
 
 19 64 
 
 20 51 
 
 21 47 
 
 55 
 56 
 57 
 58 
 59 
 
 75 60 
 
 80 40 
 85 70 
 91 50 
 97 90 
 
 39 31 
 41 81 
 
 44 56 
 47 58 
 50 91 
 
 20 03 
 
 21 31 
 
 22 71 
 
 24 25 
 
 25 94 
 
 55 
 
 56 
 57 
 58 
 59 
 
 84 80 
 89 00 
 93 60 
 98 70 
 104 30 
 
 44 10 
 46 28 
 48 67 
 51 32 
 54 24 
 
 22 47 
 
 23 59 
 
 24 80 
 
 26 16 
 
 27 64 
 
 60 
 
 105 00 
 
 54 60 
 
 27 83 
 
 60 
 
 110 60 
 
 57 51 
 
 29 31 
 
 Age. 
 
 Ten-I 
 
 3 ayment Life. 
 
 Age. 
 
 Twenty-Payment Life. 
 
 Annual. 
 
 Semi-Ann'l 
 
 Quarterly. 
 
 Annual. 
 
 Semi-Ann'l 
 
 Quarterly. 
 
 25 
 
 26 
 27 
 28 
 29 
 
 $44 90 
 
 45 80 
 
 46 70 
 
 47 70 
 
 48 70 
 
 $23 35 
 
 23 82 
 
 24 28 
 
 24 80 
 
 25 32 
 
 $11 90 
 12 14 
 12 38 
 12 64 
 12 91 
 
 25 
 26 
 27 
 28 
 29 
 
 $29 10 
 
 29 70 
 
 30 30 
 
 31 00 
 31 70 
 
 $15 13 
 15 44 
 
 15 76 
 
 16 12 
 16 48 
 
 $7 71 
 
 7 87 
 
 8 03 
 8 22 
 8 40 
 
 30 
 31 
 32 
 33 
 . 34 
 
 49 70 
 
 50 70 
 
 51 80 
 
 53 00 
 
 54 30 
 
 25 84 
 
 26 36 
 
 26 94 
 
 27 56 
 
 28 24 
 
 13 17 
 13 44 
 
 13 73 
 
 14 05 
 14 39 
 
 30 
 
 31 
 32 
 33 
 34 
 
 32 40 
 
 33 10 
 
 33 90 
 
 34 80 
 
 35 70 
 
 16 85 
 
 17 21 
 
 17 63 
 
 18 10 
 18 56 
 
 8 59 
 
 8 77 
 
 8 98 
 
 9 22 
 9 46 
 
 35 
 
 36 
 37 
 38 
 39 
 
 55 60 
 
 57 00 
 
 58 50 
 
 60 00 
 
 61 50 
 
 28 91 
 
 29 64 
 
 30 42 
 
 31 20 
 31 98 
 
 14 73 
 
 15 11 
 15 50 
 
 15 90 
 
 16 30 
 
 35 
 36 
 37 
 38 
 39 
 
 36 60 
 
 37 60 
 
 38 60 
 
 39 70 
 
 40 90 
 
 19 03 
 
 19 55 
 
 20 07 
 
 20 64 
 
 21 27 
 
 9 70 
 
 9 96 
 
 10 23 
 
 10 52 
 
 10 84 
 
 40 
 41 
 42 
 43 
 44 
 
 63 10 
 
 64 80 
 66 60 
 68 50 
 70 50 
 
 £2 81 
 
 33 70 
 
 34 63 
 
 35 62 
 
 36 66 
 
 16 72 
 
 17 17 
 
 17 65 
 
 18 15 
 18 68 
 
 40 
 41 
 42 
 43 
 44 
 
 42 10 
 
 43 40 
 
 44 80 
 46 30 
 48 00 
 
 21 89 
 
 22 57 
 
 23 30 
 
 24 08 
 24 96 
 
 11 16 
 11 50 
 
 11 87 
 
 12 27 
 12 72 
 
 45 
 
 46 
 47 
 48 
 49 
 
 72 70 
 75 00 
 77 40 
 80 00 
 82 70 
 
 37 SO 
 
 39 00 
 
 40 25 
 
 41 60 
 43 00 
 
 19 27 
 
 19 88 
 
 20 51 
 
 21 20 
 21 92 
 
 45 
 46 
 47 
 48 
 49 
 
 49 80 
 51 80 
 53 90 
 56 10 
 58 50 
 
 25 90 
 
 26 94 
 
 28 03 
 
 29 17 
 
 30 42 
 
 13 20 
 
 13 73 
 
 14 28 
 
 14 87 
 
 15 50 
 
 50 
 51 
 52 
 53 
 54 
 
 85 60 
 88 70 
 92 00 
 95 50 
 99 30 
 
 44 51 
 
 46 12 
 
 47 84 
 49 66 
 51 64 
 
 22 68 
 
 23 51 
 
 24 38 
 
 25 31 
 
 26 31 
 
 50 
 
 51 
 52 
 53 
 54 
 
 61 00 
 03 70 
 66 70 
 70 00 
 73 70 
 
 31 72 
 
 33 12 
 
 34 68 
 36 40 
 38 32 
 
 16 17 
 
 16 88 
 
 17 68 
 
 18 55 
 
 19 53 
 
 55 
 
 56 
 57 
 58 
 59 
 
 103 40 
 107 80 
 112 50 
 117 60 
 123 30 
 
 53 77 
 56 06 
 5S 50 
 61 15 
 64 12 
 
 27 40 
 
 28 57 
 
 29 81 
 
 31 16 
 
 32 67 
 
 55 
 56 
 57 
 58 
 59 
 
 77 90 
 
 40 51 
 
 20 64 
 
 60 
 
 129 50 
 
 67 34 
 
 34 32 
 
 60 
 
 
 
 
» Premium for a $1,000 Policy on the Five- Year Dividend Plan of the 
 New York Life Insurance Company. 
 
 I A Mortuary Dividend of ONE HUNDRED per cent 
 
 . of all premiums paid during the five- 
 
 year- 
 
 period in which death may occur will be paid with the amount of the policy. 
 
 Age. 
 
 Ten-Year Endowment. 
 
 Age. 
 
 Twenty 
 
 -Year Endowm't. 
 
 
 1 Annual. Semi-Ann' 
 
 Quarterly 
 
 
 Annual. 
 
 Semi-Ann'l 1 Quarterly. 
 
 25 
 
 §109 10 550 73 
 
 $28 91 
 
 25 
 
 $50 40 
 
 $26 21 
 
 $13 36 
 
 26 
 
 109 30 56 84 
 
 28 96 
 
 26 
 
 50 60 
 
 26 31 
 
 13 41 
 
 27 
 
 109 50 
 
 56 94 
 
 29 02 
 
 27 
 
 50 80 
 
 26 42 
 
 13 46 
 
 28 
 
 109 70 
 
 57 04 
 
 29 07 
 
 28 
 
 51 00 
 
 26 52 
 
 13 52 
 
 29 
 
 109 93 
 
 57 15 
 
 29 12 
 
 29 
 
 51 20 
 
 26 62 
 
 13 57 
 
 30 
 
 110 10 57 25 
 
 29 18 
 
 30 
 
 51 50 
 
 26 78 
 
 13 65 
 
 31 
 
 110 30 
 
 57 36 
 
 29 23 
 
 31 
 
 51 80 
 
 26 94 
 
 13 73 
 
 32 
 
 110 60 
 
 57 51 
 
 29 31 
 
 32 
 
 52 10 
 
 27 09 
 
 13 81 
 
 33 
 
 110 90 
 
 57 67 
 
 29 39 
 
 33 
 
 52 40 
 
 27 25 
 
 13 89 
 
 34 
 
 111 20 
 
 57 82 
 
 29 47 
 
 34 
 
 52 80 
 
 27 46 
 
 13 99 
 
 35 
 
 111 50 
 
 57 98 
 
 29 55 
 
 35 
 
 53 20 
 
 27 66 
 
 14 10 
 
 36 
 
 111 90 
 
 58 19 
 
 29 65 
 
 36 
 
 53 60 
 
 27 87 
 
 14 20 
 
 37 
 
 112 30 
 
 58 40 
 
 29 76 
 
 37 
 
 54 10 
 
 28 13 
 
 14 34 
 
 38 
 
 112 70 
 
 58 60 
 
 29 87 
 
 38 
 
 54 70 
 
 28 44 
 
 14 50 
 
 39 
 
 113 10 
 
 58 81 
 
 29 97 
 
 39 
 
 55 30 
 
 28 76 
 
 14 65 
 
 40 
 
 113 60 
 
 59 07 
 
 30 10 
 
 40 
 
 56 00 
 
 29 12 
 
 14 84 
 
 41 
 
 111 20 
 
 59 38 
 
 30 26 
 
 41 
 
 56 70 
 
 29 48 
 
 15 03 
 
 42 
 
 114 80 
 
 59 70 
 
 30 42 
 
 42 
 
 57 50 
 
 29 90 
 
 15 24 
 
 43 
 
 115 50 
 
 60 06 
 
 30 61 
 
 43 
 
 58 40 
 
 30 37 
 
 15 48 
 
 44 
 
 116 30 
 
 60 48 
 
 30 82 
 
 44 
 
 59 50 
 
 30 94 
 
 15 77 
 
 45 
 
 117 20 
 
 60 94 
 
 31 06 
 
 45 
 
 60 70 
 
 31 56 
 
 16 09 
 
 46 
 
 118 20 
 
 61 46 
 
 31 32 
 
 46 
 
 62 00 
 
 32 24 
 
 16 43 
 
 47 
 
 119 30 
 
 62 04 
 
 31 61 
 
 47 
 
 63 40 
 
 32 97 
 
 16 80 
 
 48 
 
 120 60 
 
 62 71 
 
 31 96 
 
 48 
 
 65 00 
 
 33 80 
 
 17 23 
 
 49 
 
 122 00 
 
 63 44 
 
 32 33 
 
 49 
 
 66 80 
 
 34 74 
 
 17 70 
 
 50 
 
 123 50 
 
 64 22 
 
 32 73 
 
 50 
 
 68 90 
 
 35 83 
 
 18 26 
 
 51 
 
 125 20 
 
 65 10 
 
 33 18 
 
 51 
 
 71 20 
 
 37 02 
 
 18 87 
 
 52 
 
 127 10 
 
 66 09 
 
 33 68 
 
 52 
 
 73 70 
 
 38 32 
 
 19 53 
 
 53 
 
 129 20 
 
 67 18 
 
 34 24 
 
 53 
 
 76 50 
 
 39 78 
 
 20 27 
 
 54 
 
 131 60 
 
 68 43 
 
 34 87 
 
 54 
 
 79 60 
 
 41 39 
 
 21 09 
 
 55 
 
 134 40 
 
 69 89 
 
 35 62 
 
 55 
 
 83 00 
 
 43 16 
 
 22 00 
 
 56 
 
 137 50 
 
 71 50 
 
 36 44 
 
 
 
 
 57 
 
 140 90 
 
 73 27 
 
 37 34 
 
 
 
 
 58 
 
 144 70 
 
 75 24 
 
 38 35 
 
 
 
 
 
 59 
 
 148 90 
 
 77 43 
 
 39 46 
 
 
 
 
 
 60 
 
 153 60 
 
 79 87 
 
 40 70 
 
 
 
 
 
 Age. 
 
 Fifteen- Year Endowm't. 
 
 Age. 
 
 Limited 20-Year End't. 
 
 
 Annual. 
 
 Semi-Ann'l Quarterly. 
 
 Annual. 
 
 Semi-Ann'l 
 
 Quarterly. 
 
 25 
 
 $69 50 
 
 $36 14 
 
 $18 42 
 
 25 
 
 $32 30 
 
 $16 80 
 
 $ 8 56 
 
 26 
 
 69 70 
 
 36 24 
 
 18 47 
 
 26 
 
 32 50 
 
 16 90 
 
 8 61 
 
 27 
 
 69 90 
 
 36 35 
 
 18 52 
 
 27 
 
 32 80 
 
 17 06 
 
 8 69 
 
 28 
 
 70 10 
 
 36 45 
 
 18 58 
 
 28 
 
 33 00 
 
 17 16 
 
 8 75 
 
 29 
 
 70 30 
 
 36 56 
 
 18 63 
 
 29 
 
 33 40 
 
 17 37 
 
 8 85 
 
 30 
 
 70 50 
 
 36 66 
 
 18 68 
 
 30 
 
 33 70 
 
 17 52 
 
 8 93 
 
 31 
 32 
 
 70 80 
 
 71 10 
 
 36 82 
 36 97 
 
 18 76 
 18 84 
 
 31 
 32 
 
 34 00 
 34 40 
 
 17 68 
 17 89 
 
 9 01 
 9 12 
 
 33 
 
 71 40 
 
 37 13 
 
 18 92 
 
 33 
 
 34 80 
 
 18 10 
 
 9 22 
 
 34 
 
 71 70 
 
 37 28 
 
 19 00 
 
 34 
 
 35 20 
 
 18 30 
 
 9 33 
 
 35 
 
 72 00 
 
 37 44 
 
 19 08 
 
 35 
 
 35 70 
 
 18 56 
 
 9 46 
 
 36 
 
 72 40 
 
 37 65 
 
 19 19 
 
 36 
 
 36 30 
 
 18 88 
 
 9 62 
 
 37 
 
 72 90 
 
 37 91 
 
 19 32 
 
 37 
 
 36 90 
 
 19 19 
 
 9 78 
 
 38 
 39 
 
 73 40 
 73 90 
 
 38 17 
 38 43 
 
 19 45 
 19 58 
 
 38 
 39 
 
 37 60 
 
 38 40 
 
 19 55 
 19 97 
 
 9 96 
 10 18 
 
 40 
 
 74 40 
 
 38 69 
 
 19 72 
 
 40 
 
 39 20 
 
 20 38 
 
 10 39 
 
 41 
 
 75 00 
 
 39 00 
 
 19 88 
 
 41 
 
 40 20 
 
 20 90 
 
 10 65 
 
 42 
 
 75 70 
 
 39 36 
 
 20 06 
 
 42 
 
 41 30 
 
 21 48 
 
 10 94 
 
 43 
 
 76 50 
 
 39 78 
 
 20 27 
 
 43 
 
 42 40 
 
 22 05 
 
 11 24 
 
 44 
 
 77 40 
 
 40 25 
 
 20 51 
 
 44 
 
 43 70 
 
 22 72 
 
 11 58 
 
 45 
 
 78 40 
 
 40 77 
 
 20 78 
 
 45 
 
 45 10 
 
 23 45 
 
 11 95 
 
 46 
 
 79 50 
 
 41 34 
 
 21 07 
 
 46 
 
 46 80 
 
 24 34 
 
 12 40 
 
 47 
 
 80 70 
 
 41 96 
 
 21 39 
 
 47 
 
 48 60 
 
 25 27 
 
 12 88 
 
 48 
 49 
 
 82 10 
 
 42 69 
 
 21 76 
 
 48 
 
 50 50 
 
 26 26 
 
 13 88 
 
 83 70 
 
 43 52 
 
 22 18 
 
 49 
 
 52 70 
 
 27 40 
 
 13 97 
 
 50 
 
 85 50 
 
 44 46 
 
 22 66 
 
 50 
 
 55 10 
 
 28 65 
 
 14 60 
 
 51 
 
 87 40 
 
 45 45 
 
 23 16 
 
 51 
 
 57 90 
 
 30 11 
 
 15 34 
 
 52 
 
 89 50 
 
 46 54 
 
 23 72 
 
 52 
 
 60 80 
 
 31 62 
 
 16 11 
 
 53 
 
 54 
 
 91 90 
 
 47 79 
 
 24 35 
 
 53 
 
 64 10 
 
 33 33 
 
 16 99 
 
 94 60 
 
 49 19 
 
 25 07 
 
 54 
 
 67 90 
 
 35 31 
 
 17 99 
 
 55 
 
 97 70 
 
 50 80 
 
 25 89 
 
 55 
 
 72 00 
 
 37 44 
 
 19 OS 
 
 56 
 
 101 20 
 
 52 62 
 
 26 82 
 
 56 
 
 76 60 
 
 39 83 
 
 20 30 
 
 57 
 
 105 10 
 
 54 65 
 
 27 85 
 
 57 
 
 81 70 
 
 42 4S 
 
 21 65 
 
 58 
 
 109 40 
 
 56 89 
 
 2S 99 
 
 58 
 
 87 30 
 
 45 40 
 
 23 13 
 
 59 
 
 114 20 
 
 59 38 
 
 30 26 
 
 59 
 
 93 60 
 
 48 67 
 
 24 80 
 
 60 
 
 119 40 
 
 62 09 
 
 31 64 
 
 60 
 
 100 40 
 
 52 21 
 
 26 61 
 
 67 
 
The Guaranteed Minimum Surrender Value of a 
 Dividend Policy of $1,000, in the New York Life 
 Company. 
 
 Five-year 
 Insurance 
 
 Ordinary Life. 
 
 Age at 
 Issue. 
 
 At end of 
 5th Year. 
 
 At end of 
 10th Year. 
 
 At end of 
 15th Year. 
 
 At end of 
 20th Year. 
 
 • 
 
 25 
 
 26 
 27 
 28 
 29 
 
 $27 03 
 
 28 38 
 
 29 80 
 
 31 29 
 
 32 87 
 
 $ 75 38 
 79 09 
 83 00 
 87 11 
 91 43 
 
 $126 23 
 132 31 
 138 69 
 145 37 
 152 40 
 
 $187 64 
 196 40 
 205 51 
 215 01 
 224 90 
 
 30 
 31 
 32 
 33 
 34 
 
 34 55 
 36 32 
 38 17 
 40 12 
 42 17 
 
 95 99 
 100 75 
 105 77 
 111 02 
 116 56 
 
 159 75 
 167 43 
 175 44 
 183 78 
 192 47 
 
 235 13 
 245 68 
 256 58 
 267 78 
 279 32 
 
 
 35 
 36 
 37 
 38 
 39 
 
 44 33 
 46 61 
 49 01 
 51 53 
 54 20 
 
 122 34 
 128 42 
 134 77 
 141 41 
 148 31 
 
 20146 
 
 210 77 
 220 39 
 230 28 
 240 47 
 
 291 13 
 303 26 
 315 68 
 328 33 
 341 26 
 
 
 40 
 41 
 42 
 43 
 44 
 
 57 00 
 59 94 
 63 01 
 66 24 
 69 58 
 
 155 47 
 162 86 
 170 50 
 178 38 
 186 47 
 
 250 92 
 261 63 
 272 60 
 283 81 
 295 26 
 
 354 39 
 367 73 
 381 27 
 395 00 
 408 86 
 
 
 45 
 46 
 47 
 48 
 49 
 
 73 04 
 76 62 
 80 28 
 84 06 
 87 94 
 
 194 78 
 203 31 
 212 03 
 220 97 
 230 10 
 
 306 94 
 318 83 
 330 89 
 343 16 
 355 58 
 
 422 90 
 437 93 
 451 22 
 465 50 
 479 74 
 
 
 50 
 51 
 52 
 53 
 
 54 
 
 91 92 
 96 02 
 100 31 
 104 70 
 109 21 
 
 239 44 
 249 02 
 
 258 81 
 268 82 
 279 01 
 
 368 17 
 380 94 
 393 85 
 406 88 
 419 95 
 
 493 98 
 508 22 
 522 46 
 536 74 
 551 10 
 
 
 55 
 
 56 
 57 
 58 
 59 
 
 113 86 
 118 71 
 123 58 
 128 64 
 133 84 
 
 289 41 
 300 00 
 310 77 
 321 68 
 332 70 
 
 433 08 
 446 27 
 459 52 
 
 472 90 
 486 49 
 
 565 69 
 580 71 
 596 27 
 612 42 
 629 13 
 
 
 60 
 
 139 16 
 
 343 80 
 
 500 42 
 
 646 38 
 
 
 Life, Ten Payments. 
 
 25 
 
 26 
 27 
 28 
 29 
 
 $102 78 
 105 22 
 107 77 
 110 43 
 113 18 
 
 $293 35 
 300 29 
 307 51 
 315 03 
 322 83 
 
 $330 95 
 339 37 
 348 12 
 S57 19 
 366 60 
 
 $376 35 
 386 43 
 396 85 
 407 60 
 418 67 
 
 
 30 
 31 
 32 
 33 
 34 
 
 116 05 
 119 04 
 122 14 
 125 36 
 
 128 70 
 
 330 95 
 339 37 
 348 12 
 357 19 
 366 60 
 
 376 35 
 
 386 43 
 396 85 
 407 60 
 418 67 
 
 430 04 
 441 70 
 453 63 
 465 82 
 478 26 
 
 
 35 
 
 36 
 37 
 38 
 39 
 
 132 16 
 135 75 
 139 47 
 143 31 
 147 30 
 
 376 35 
 386 43 
 396 85 
 407 60 
 418 67 
 
 430 04 
 441 70 
 453 63 
 465 82 
 478 26 
 
 490 93 
 503 80 
 516 87 
 530 10 
 543 48 
 
 
 40 
 41 
 42 
 43 
 44 
 
 151 41 
 155 66 
 160 02 
 164 51 
 169 10 
 
 430 04 
 441 70 
 453 63 
 465 82 
 478 26 
 
 490 93 
 503 80 
 516 87 
 530 10 
 543 48 
 
 556 09 
 570 59 
 584 26 
 597 97 
 611 70 
 
 
 45 
 46 
 47 
 48 
 49 
 
 173 78 
 178 50 
 183 30 
 188 13 
 192 99 
 
 490 93 
 503 SO 
 516 87 
 530 10 
 543 48 
 
 556 99 
 570 59 
 584 26 
 597 97 
 611 70 
 
 625 42 
 639 08 
 652 65 
 666 11 
 679 42 
 
 
 50 
 51 
 52 
 53 
 54 
 
 197 88 
 202 76 
 207 70 
 212 61 
 217 50 
 
 556 99 
 570 59 
 584 26 
 597 97 
 611 70 
 
 625 42 
 639 08 
 652 65 
 666 11 
 679 42 
 
 692 54 
 705 44 
 718 12 
 730 56 
 742 82 
 
 
 55 
 
 56 
 57 
 58 
 59 
 
 222 36 
 227 16 
 231 91 
 236 66 
 241 16 
 
 625 42 
 639 08 
 652 65 
 666 11 
 679 42 
 
 692 54 
 705 44 
 718 12 
 730 56 
 742 82 
 
 754 92 
 767 89 
 
 778 77 
 790 55 
 802 22 
 
 
 60 
 
 245 64 
 
 692 54 
 
 754 92 
 
 813 80 
 
 
 68 
 
The Guaranteed Minimum Surrender Value of a 
 
 Five-year 
 
 Dividend Policy of $1,000, in the New York Life 
 
 Insurance 
 
 Company. 
 
 
 
 Life, Fifteen Payments. 
 
 Age at 
 
 At end of 
 
 At end of 
 
 At end of 
 
 At end of 
 
 
 Issue. 
 
 5th Year. 
 
 10th Year. 
 
 15th Year. 
 
 20th Year. 
 
 
 25 
 
 S 67 90 
 
 $192 99 
 
 S330 95 
 
 $376 35 
 
 26 
 
 69 68 
 
 198 01 
 
 339 37 
 
 386 43 
 
 
 27 
 
 71 54 
 
 203 15 
 
 348 12 
 
 396 85 
 
 
 28 
 
 73 47 
 
 20S 58 
 
 357 19 
 
 407 60 
 
 
 29 
 
 75 47 
 
 214 21 
 
 366 60 
 
 418 67 
 
 
 30 
 
 77 56 
 
 219 98 
 
 376 35 
 
 430 04 
 
 
 31 
 
 70 74 
 
 226 -04 
 
 386 43 
 
 441 70 
 
 
 32 
 
 S2 00 
 
 232 25 
 
 396 85 
 
 453 63 
 
 
 33 
 
 84 34 
 
 238 77 
 
 407 60 
 
 465 82 
 
 
 34 
 
 86 77 
 
 245 45 
 
 418 67 
 
 478 26 
 
 
 35 
 
 89 30 
 
 252 35 
 
 430 04 
 
 490 93 
 
 
 36 
 
 94 90 
 
 259 50 
 
 441 70 
 
 503 80 
 
 
 37 
 
 94 62 
 
 266 88 
 
 453 63 
 
 516 87 
 
 
 38 
 
 97 42 
 
 274 48 
 
 465 82 
 
 530 10 
 
 
 39 
 
 100 34 
 
 282 31 
 
 478 26 
 
 543 48 
 
 
 40 
 
 103 36 
 
 290 32 
 
 490 93 
 
 556 99 
 
 
 41 
 
 106 48 
 
 298 41 
 
 503 80 
 
 570 59 
 
 
 42 
 
 109 69 
 
 306 65 
 
 516 87 
 
 584 26 
 
 
 43 
 
 112 99 
 
 315 16 
 
 530 10 
 
 597 97 
 
 
 44 
 
 116 36 
 
 323 55 
 
 543 48 
 
 611 70 
 
 
 45 
 
 119 78 
 
 332 18 
 
 556 99 
 
 625 42 
 
 
 46 
 
 123 25 
 
 340 77 
 
 570 59 
 
 639 08 
 
 
 47 
 
 126 71 
 
 349 57 
 
 584 26 
 
 652 65 
 
 
 48 
 
 130 26 
 
 358 17 
 
 597 97 
 
 666 11 
 
 
 49 
 
 133 80 
 
 S66 95 
 
 611 70 
 
 679 42 
 
 
 50 
 
 137 36 
 
 375 64 
 
 625 42 
 
 692 54 
 
 
 51 
 
 140 95 
 
 384 20 
 
 639 08 
 
 705 44 
 
 
 52 
 
 144 55 
 
 392 94 
 
 652 65 
 
 718 12 
 
 
 53 
 
 148 17 
 
 401 35 
 
 666 11 
 
 730 56 
 
 
 54 
 
 151 80 
 
 409 92 
 
 679 42 
 
 742 82 
 
 
 55 
 
 155 45 
 
 418 15 
 
 692 54 
 
 754 92 
 
 
 56 
 
 159 12 
 
 426 51 
 
 705 44 
 
 766 89 
 
 
 57 
 
 162 80 
 
 434 48 
 
 718 12 
 
 778 77 
 
 
 58 
 
 166 48 
 
 442 36 
 
 730 56 
 
 790 55 
 
 
 59 
 
 170 16 
 
 450 10 
 
 742 82 
 
 802 22 
 
 
 60 
 
 173 85 
 
 457 29 
 
 754 92 
 
 813 80 
 
 
 Life, Twenty Payments. 
 
 25 
 
 $ 51 14 
 
 1 
 $144 73 $246 98 
 
 $376 35 
 
 
 26 
 
 52 61 
 
 148 87 
 
 253 81 
 
 386 43 
 
 
 27 
 
 54 15 
 
 153 07 
 
 260 84 
 
 396 85 
 
 
 28 
 
 55 75 
 
 157 55 
 
 268 19 
 
 407 60 
 
 
 29 
 
 57 41 
 
 162 08 
 
 275 74 
 
 418 67 
 
 
 30 
 
 59 15 
 
 166 93 
 
 283 63 
 
 430 04 
 
 
 31 
 
 60 96 
 
 171 83 
 
 291 72 
 
 441 70 
 
 
 32 
 
 62 85 
 
 176 93 
 
 300 08 
 
 453 63 
 
 
 33 
 
 64 81 
 
 182 37 
 
 308 77 
 
 465 82 
 
 
 34 
 
 66 85 
 
 187 89 
 
 317 63 
 
 478 26 
 
 
 35 
 
 68 97 
 
 193 63 
 
 326 73 
 
 490 93 
 
 
 36 
 
 71 17 
 
 199 58 
 
 336 04 
 
 503 80 
 
 
 37 
 
 73 47 
 
 205 60 
 
 345 46 
 
 516 87 
 
 
 38 
 
 75 86 
 
 211 98 
 
 355 15 
 
 530 10 
 
 
 39 
 
 78 35 
 
 218 41 
 
 364 92 
 
 543 48 
 
 
 40 
 
 80 94 
 
 225 17 
 
 374 92 
 
 556 99 
 
 
 41 
 
 83 64 
 
 231 96 
 
 384 98 
 
 570 59 
 
 
 42 
 
 86 42 
 
 238 74 
 
 395 05 
 
 584 26 
 
 
 43 
 
 89 30 
 
 245 82 
 
 405 31 
 
 597 97 
 
 
 44 
 
 92 26 
 
 252 87 
 
 415 54 
 
 611 70 
 
 
 45 
 
 95 28 
 
 260 06 
 
 425 83 
 
 625 42 
 
 
 46 
 
 98 34 
 
 267 36 
 
 436 14 
 
 639 08 
 
 
 47 
 
 101 47 
 
 274 80 
 
 446 48 
 
 652 65 
 
 
 48 
 
 104 64 
 
 282 16 
 
 456 70 
 
 666 11 
 
 
 49 
 
 107 86 
 
 289 45 
 
 466 79 
 
 679 42 
 
 
 50 
 
 111 14 
 
 297 07 
 
 476 97 
 
 692 54 
 
 
 51 
 
 114 49 
 
 304 63 
 
 486 98 
 
 705 44 
 
 
 52 
 
 117 91 
 
 312 11 
 
 496 80 
 
 718 12 
 
 
 53 
 
 121. 41 
 
 319 75 
 
 506 53 
 
 730 56 
 
 
 54 
 
 124 99 
 
 S27 53 
 
 516 11 
 
 742 82 
 
 
 55 
 
 128 65 
 
 335 25 
 
 525 41 
 
 754 92 
 
 
 56 
 
 132 42 
 
 343 11 
 
 534 51 
 
 766 89 
 
 
 57 
 
 136 27 
 
 350 ScS 
 
 543 25 
 
 778 77 
 
 
 58 
 
 140 22 
 
 358 52 
 
 5.-> 1 69 
 
 790 55 
 
 
 59 
 
 144 29 
 
 366 30 
 
 5C0 10 
 
 802 22 
 
 
 60 
 
 148 47 
 
 374 25 
 
 568 65 
 
 S13 80 
 
 
 69 
 
The Guaranteed Minimum Surrender Value of a Five-year 
 Dividend Policy of $1,000, in the New York Life Insurance 
 Company. 
 
 
 Age at 
 Issue. 
 
 10-Year 
 End't. 
 
 15-Year Endowment 
 
 20-Year Endowment. 
 
 At end of 
 
 At enn of 
 
 At end of 
 
 At end of 
 
 At end. of 
 
 At end of 
 
 
 
 5th Year. 
 
 5th Year. 
 
 10th Year. 
 
 5th Year. 
 
 10th Year. 
 
 15th Year. 
 
 25 
 
 $348 36 
 
 $201 49 
 
 $577 38 
 
 $130 83 
 
 $374 01 
 
 $646 08 
 
 
 26 
 
 348 31 
 
 201 46 
 
 577 22 
 
 130 85 
 
 374 09 
 
 646 05 
 
 
 27 
 
 34S 27 
 
 201 44 
 
 577 18 
 
 130 89 
 
 374 00 
 
 645 92 
 
 
 28 
 
 348 22 
 
 201 43 
 
 577 10 
 
 130 94 
 
 374 13 
 
 645 91 
 
 
 29 
 
 348 17 
 
 201 40 
 
 577 13 
 
 130 99 
 
 374 08 
 
 645 80 
 
 
 30 
 
 34S 11 
 
 201 39 
 
 576 96 
 
 131 06 
 
 374 26 
 
 645 82 
 
 
 31 
 
 348 06 
 
 201 38 
 
 576 94 
 
 131 15 
 
 374 27 
 
 645 74 
 
 
 32 
 
 348 00 
 
 201 37 
 
 576 77 
 
 131 25 
 
 374 34 
 
 645 69 
 
 
 33 
 
 347 83 
 
 201 36 
 
 576 77 
 
 131 38 
 
 374 65 
 
 645 78 
 
 
 34 
 
 347 86 
 
 201 36 
 
 576 63 
 
 131 53 
 
 374 84 
 
 645 78 
 
 
 35 
 
 347 79 
 
 201 37 
 
 576 50 
 
 131 71 
 
 375 11 
 
 645 80 
 
 
 36 
 
 347 70 
 
 201 3S 
 
 576 40 
 
 131 92 
 
 375 45 
 
 645 83 
 
 
 37 
 
 347 62 
 
 201 41 
 
 576 32 
 
 132 17 
 
 375 68 
 
 645 77 
 
 
 38 
 
 347 52 
 
 201 46 
 
 576 27 
 
 132 47 
 
 376 22 
 
 645 84 
 
 
 39 
 
 347 44 
 
 201 54 
 
 576 24 
 
 132 84 
 
 376 65 
 
 645 81 
 
 
 40 
 
 347 35 
 
 201 04 
 
 576 23 
 
 133 26 
 
 377 38 
 
 645 92 
 
 
 41 
 
 347 27 
 
 201 78 
 
 576 07 
 
 133 75 
 
 378 00 
 
 645 92 
 
 
 42 
 
 347 IS 
 
 201 93 
 
 575 92 
 
 134 30 
 
 37S 49 
 
 645 81 
 
 
 43 
 
 347 0!> 
 
 20-2 11 
 
 575 94 
 
 134 93 
 
 379 31 
 
 645 84 
 
 
 44 
 
 346 99 
 
 202 31 
 
 575 63 
 
 135 61 
 
 380 00 
 
 645 75 
 
 
 45 
 
 346 86 
 
 202 51 
 
 575 49 
 
 136 34 
 
 380 81 
 
 645 69 
 
 
 46 
 
 346 69 
 
 202 71 
 
 575 17 
 
 137 12 
 
 381 73 
 
 645 63 
 
 
 47 
 
 346 50 
 
 202 89 
 
 575 03 
 
 137 95 
 
 382 79 
 
 645 60 
 
 
 48 
 
 346 24 
 
 203 07 
 
 574 53 
 
 138 83 
 
 383 77 
 
 645 47 
 
 
 49 
 
 345 94 
 
 203 24 
 
 574 22 
 
 139 78 
 
 384 70 
 
 645 26 
 
 
 50 
 
 345 60 
 
 203 42 
 
 573 74 
 
 140 82 
 
 386 06 
 
 645 24 
 
 
 51 
 
 345 25 
 
 203 61 
 
 573 11 
 
 141 96 
 
 387 44 
 
 645 16 
 
 
 52 
 
 344 79 
 
 203 82 
 
 572 69 
 
 143 22 
 
 388 84 
 
 645.04 
 
 
 53 
 
 344 31 
 
 204 10 
 
 571 95 
 
 144 60 
 
 390 52 
 
 644 99 
 
 
 54 
 
 343 78 
 
 204 33 
 
 571 45 
 
 146 12 
 
 392 49 
 
 644 99 
 
 
 55 
 
 343 19 
 
 204 65 
 
 570 64 
 
 147 78 
 
 394 17 
 
 644 89 
 
 
 56 
 
 342 55 
 
 205 02 
 
 570 07 
 
 149 60 
 
 396 87 
 
 644 81 
 
 
 57 
 
 341 85 
 
 205 44 
 
 569 21 
 
 151 60 
 
 399 32 
 
 644 61 
 
 
 58 
 
 341 18 
 
 205 94 
 
 ■ 568 41 
 
 153 80 
 
 401 87 
 
 614 33 
 
 
 59 
 
 340 27 
 
 206 50 
 
 567 66 
 
 156 IS 
 
 404 77 
 
 644 22 
 
 
 60 
 
 339 39 
 
 207 14 
 
 566 50 
 
 158 78 
 
 408 04 
 
 644 44 
 
 
 Tt 
 
 venty-Fi 
 
 ve-Year 
 
 Endowr 
 
 aent. 
 
 
 
 Age at 
 
 At end of 
 
 At end of 
 
 At end of 
 
 At end of 
 
 
 
 
 Issue. 
 
 5th Year. 
 
 10th Year. 
 
 15th Year. 
 
 20th Year. 
 
 
 25 
 
 S 90 69 
 
 $258 56 
 
 $445 07 
 
 $685 85 
 
 
 
 26 
 
 90 79 
 
 258 76 
 
 445 21 
 
 685 86 
 
 
 
 
 27 
 
 90 92 
 
 259 00 
 
 445 40 
 
 685 88 
 
 
 
 
 28 
 
 91 07 
 
 259 29 
 
 445 64 
 
 685 93 
 
 
 
 
 29 
 
 91 24 
 
 259 63 
 
 445 95 
 
 685 99 
 
 
 
 
 30 
 
 91 45 
 
 260 03 
 
 446 32 
 
 686 08 
 
 
 
 
 31 
 
 91 70 
 
 260 51 
 
 446 76 
 
 686 18 
 
 
 
 
 32 
 
 91 97 
 
 261 06 
 
 447 29 
 
 686 30 
 
 
 
 
 33 
 
 92 30 
 
 261 72 
 
 447 90 
 
 686 43 
 
 
 
 
 34 
 
 92 67 
 
 262 49 
 
 448 62 
 
 686 58 
 
 
 
 
 35 
 
 93 10 
 
 263 38 
 
 449 4 2 
 
 686 75 
 
 
 
 
 36 
 
 9? 58 
 
 264 41 
 
 450 32 
 
 686 93 
 
 
 
 
 37 
 
 94 15 
 
 265 57 
 
 451 30 
 
 687 12 
 
 
 
 
 38 
 
 94 79 
 
 266 90 
 
 452 39 
 
 687 34 
 
 
 
 
 39 
 
 95 54 
 
 268 39 
 
 453 60 
 
 687 58 
 
 
 
 
 40 
 
 96 39 
 
 270 04 
 
 454 90 
 
 6S7 83 
 
 
 
 
 41 
 
 97 35 
 
 271 84 
 
 456 34 
 
 688 12 
 
 
 
 
 42 
 
 98 41 
 
 273 81 
 
 457 91 
 
 68S 42 
 
 
 
 
 43 
 
 99 59 
 
 275 95 
 
 459 60 
 
 688 74 
 
 
 
 
 44 
 
 100 89 
 
 278 26 
 
 461 46 
 
 689 10 
 
 
 
 
 45 
 
 102 29 
 
 280 78 
 
 463 47 
 
 689 52 
 
 
 
 
 46 
 
 103 80 
 
 283 50 
 
 465 68 
 
 689 68 
 
 
 
 
 47 
 
 105 43 
 
 286 46 
 
 468 11 
 
 690 51 
 
 
 
 
 48 
 
 107 IS 
 
 289 66 
 
 470 74 
 
 691 09 
 
 
 
 
 49 
 
 109 06 
 
 293 13 
 
 473 62 
 
 691 70 
 
 
 
 
 50 
 
 111 09 
 
 296 89 
 
 476 77 
 
 692 34 
 
 
 
 
 51 
 
 113 30 
 
 300 98 
 
 480 18 
 
 693 01 
 
 
 
 
 52 
 
 115 69 
 
 305 43 
 
 483 91 
 
 693 71 
 
 
 
 
 53 
 
 118 28 
 
 310 26 
 
 -1S7 96 
 
 694 49 
 
 
 
 
 54 
 
 121 07 
 
 315 46 
 
 492 27 
 
 695 39 
 
 
 
 
 55 
 
 124 07 
 
 321 06 
 
 490 87 
 
 - .. -. ,. . ,u^...,. 
 
 696 51 
 
 
 70 
 
The Guaranteed Minimum Surrender Value of a Five-year 
 Dividend Policy of $1,000, in the New York Life Insurance 
 Company. 
 
 Thirty- Year Endowment. 
 
 Age at 
 
 At end of 
 
 At end of 
 
 At end of 
 
 At end of 
 
 At end of 
 
 Issue. 
 
 5th Year. 
 
 10th Year. 
 
 15th Year. 
 
 20th Year. 
 
 25th Year. 
 
 25 
 
 S 65 SS 
 
 $187 19 
 
 $320 84 
 
 $491 74 
 
 $711 78 
 
 26 
 
 66 10 
 
 187 71 
 
 321 46 
 
 492 28 
 
 711 93 
 
 27 
 
 66 37 
 
 188 30 
 
 322 20 
 
 492 92 
 
 712 12 
 
 28 
 
 66 67 
 
 189 00 
 
 323 06 
 
 493 67 
 
 712 34 
 
 29 
 
 67 01 
 
 189 79 
 
 324 05 
 
 494 53 
 
 712 5S 
 
 30 
 
 67 40 
 
 190 70 
 
 325 20 
 
 495 50 
 
 712 85 
 
 31 
 
 67 86 
 
 191 74 
 
 326 53 
 
 496 58 
 
 713 16 
 
 32 
 
 68 37 
 
 192 94 
 
 328 03 
 
 497 79 
 
 713 49 
 
 33 
 
 68 95 
 
 194 29 
 
 329 74 
 
 499 13 
 
 713 87 
 
 34 
 
 69 61 
 
 195 85 
 
 331 66 
 
 500 62 
 
 714 29 
 
 35 
 
 70 36 
 
 197 61 
 
 333 79 
 
 502 26 
 
 714 76 
 
 36 
 
 71 19 
 
 199 59 
 
 336 14 
 
 504 06 
 
 715 27 
 
 37 
 
 72 15 
 
 201 82 
 
 338 74 
 
 506 05 
 
 715 86 
 
 38 
 
 73 21 
 
 204 29 
 
 341 58 
 
 508 23 
 
 716 49 
 
 39 
 
 74 42 
 
 207 03 
 
 344 69 
 
 510 62 
 
 717 19 
 
 40 
 
 75 76 
 
 210 04 
 
 348 09 
 
 513 23 
 
 717 97 
 
 41 
 
 77 27 
 
 213 34 
 
 351 82 
 
 516 12 
 
 718 87 
 
 42 
 
 78 92 
 
 216 92 
 
 355 85 
 
 519 26 
 
 719 84 
 
 43 
 
 80 73 
 
 220 78 
 
 360 22 
 
 522 67 
 
 720 91 
 
 44 
 
 82 72 
 
 224 97 
 
 364 97 
 
 526 41 
 
 722 08 
 
 45 
 
 84 85 
 
 229 48 
 
 370 09 
 
 530 45 
 
 723 32 
 
 46 
 
 87 12 
 
 234 31 
 
 375 58 
 
 534 79 
 
 724 61 
 
 47 
 
 89 56 
 
 239 49 
 
 381 50 
 
 539 47 
 
 725 96 
 
 48 
 
 92 14 
 
 245 00 
 
 387 79 
 
 544 43 
 
 727 38 
 
 49 
 
 94 91 
 
 250 91 
 
 394 55 
 
 549 72 
 
 728 95 
 
 50 
 
 97 86 
 
 257 22 
 
 401 77 
 
 555 35 
 
 730 79 
 
 Thirty-Five-Year Endowment. 
 
 Age at 
 
 At end of 
 
 At end of 
 
 At end of 
 
 At end of 
 
 At end of 
 
 At end of 
 
 Issue. 
 
 5th Year. 
 
 10th Year. 
 
 15th Year. 
 
 20th Year. 
 
 25th Year. 
 
 30th Year. 
 
 25 
 
 $ 49 96 
 
 $441 36 
 
 $241 08 
 
 $367 10 
 
 $526 71 
 
 $730 54 
 
 26 
 
 50 34 
 
 142 32 
 
 242 42 
 
 368 63 
 
 527 93 
 
 730 93 
 
 27 
 
 50 77 
 
 143 41 
 
 243 95 
 
 370 38 
 
 529 30 
 
 731 37 
 
 28 
 
 51 27 
 
 144 64 
 
 245 70 
 
 372 35 
 
 530 82 
 
 731 86 
 
 29 
 
 51 82 
 
 146 04 
 
 247 69 
 
 374 57 
 
 532 51 
 
 732 41 
 
 30 
 
 52 46 
 
 147 61 
 
 249 93 
 
 377 04 
 
 534 38 
 
 733 03 
 
 31 
 
 53 17 
 
 149 38 
 
 252 46 
 
 379 77 
 
 536 44 
 
 733 70 
 
 32 
 
 53 97 
 
 151 38 
 
 255 28 
 
 382 79 
 
 538 71 
 
 734 46 
 
 33 
 
 54 87 
 
 153 62 
 
 258 44 
 
 386 11 
 
 541 21 
 
 735 30 
 
 34 
 
 55 86 
 
 156 12 
 
 261 92 
 
 389 74 
 
 543 95 
 
 736 22 
 
 35 
 
 56 99 
 
 158 93 
 
 265 78 
 
 393 74 
 
 546 98 
 
 737 28 
 
 36 
 
 58 22 
 
 162 03 
 
 269 97 
 
 398 08 
 
 550 26 
 
 738 41 
 
 37 
 
 59 60 
 
 165 47 
 
 274 57 
 
 402 83 
 
 553 89 
 
 739 70 
 
 38 
 
 61 13 
 
 169 24 
 
 279 56 
 
 407 98 
 
 557 82 
 
 741 09 
 
 39 
 
 62 83 
 
 173 39 
 
 284 97 
 
 413 58 
 
 562 11 
 
 742 62 
 
 40 
 
 64 70 
 
 177 88 
 
 290 82 
 
 419 62 
 
 565 75 
 
 744 25 
 
 41 
 
 66 76 
 
 1S2 73 
 
 297 12 
 
 426 12 
 
 571 75 
 
 745 98 
 
 42 
 
 68 99 
 
 187 93 
 
 303 86 
 
 433 07 
 
 577 11 
 
 747 80 
 
 43 
 
 71 41 
 
 193 50 
 
 311 05 
 
 440 50 
 
 582 80 
 
 749 72 
 
 44 
 
 74 00 
 
 199 43 
 
 318 70 
 
 448 39 
 
 588 82 
 
 751 80 
 
 45 
 
 76 76 
 
 205 71 
 
 326 82 
 
 456 76 
 
 595 17 
 
 754 12 
 
 71 
 
The Guaranteed Minimum Surrender Value of a Five-year 
 Dividend Policy of $1,000, in the New York Life Insurance 
 Company. 
 
 Age at 
 
 15- Year Endowment 
 10 Payments. 
 
 I Age at 
 ] Is.-ue. 
 
 20-Year Endowment, 
 10 Payments. 
 
 Issue. 
 
 At end of 
 5th Year. 
 
 At end of 
 10th Year. 
 
 At end of 
 5th Year. 
 
 At end of 
 10th Year. 
 
 At end of 
 15th Year. 
 
 25 
 26 
 27 
 28 
 29 
 
 $280 89 
 
 280 N ( .) 
 
 280 89 
 280 89 
 280 89 
 
 §805 86 
 805 91 
 
 805 97 
 
 806 04 
 806 11 
 
 25 
 26 
 27 
 28 
 29 
 
 8229 30 
 
 229 38 
 229 47 
 229 5S 
 229 69 
 
 $657 40 
 657 65 
 
 657 93 
 
 658 24 
 658 57 
 
 $806 20 
 806 29 
 806 39 
 806 50 
 806 63 
 
 30 
 31 
 32 
 33 
 34 
 
 280 90 
 280 91 
 280 92 
 280 94 
 280 96 
 
 806 20 
 806 29 
 806 39 
 806 50 
 806 63 
 
 30 
 31 
 32 
 33 
 34 
 
 229 82 
 
 229 9S 
 
 230 15 
 230 34 
 230 57 
 
 658 95 
 
 659 37 
 
 659 85 
 
 660 38 
 660 99 
 
 806 77 
 
 806 94 
 
 807 13 
 807 34 
 807 60 
 
 35 
 
 36 
 37 
 38 
 39 
 
 280 99 
 
 281 01 
 2S1 06 
 281 12 
 281 20 
 
 806 77 
 
 806 94 
 
 807 13 
 807 34 
 807 60 
 
 35 
 33 
 37 
 38 
 39 
 
 230 82 
 
 231 11 
 231 44 
 
 231 82 
 
 232 27 
 
 661 68 
 
 662 47 
 
 663 35 
 
 664 35 
 
 665 48 
 
 807 87 
 
 808 19 
 808 53 
 808 92 
 S09 35 
 
 40 
 41 
 42 
 43 
 44 
 
 281 30 
 281 44 
 281 60 
 281 78 
 281 99 
 
 807 87 
 
 808 19 
 808 53 
 
 808 92 
 
 809 35 
 
 40 
 
 41 
 42 
 43 
 44 
 
 232 78 
 
 233 37 
 
 234 03 
 
 234 76 
 
 235 58 
 
 666 72 
 
 668 11 
 
 669 65 
 671 34 
 673 21 
 
 S09 S3 
 810 35 
 
 810 94 
 
 811 58 
 
 812 28 
 
 45 
 46 
 47 
 48 
 49 
 
 282 20 
 282 42 
 282 64 
 
 282 85 
 
 283 06 
 
 809 83 
 
 810 35 
 S10 94 
 
 811 58 
 
 812 28 
 
 45 
 46 
 47 
 48 
 49 
 
 236 46 
 
 237 40 
 
 238 40 
 
 239 49 
 
 240 62 
 
 675 26 
 677 51 
 679 98 
 682 68 
 685 62 
 
 813 07 
 S13 92 
 
 814 86 
 
 815 90 
 817 03 
 
 50 
 51 
 52 
 53 
 54 
 
 283 28 
 283 51 
 
 283 75 
 
 284 00 
 2S4 29 
 
 813 07 
 
 813 92 
 
 814 86 
 
 815 90 
 817 03 
 
 50 
 
 51 
 52 
 53 
 54 
 
 241 86 
 
 243 18 
 
 244 59 
 
 246 10 
 
 247 72 
 
 688 83 
 692 32 
 696 10 
 700 19 
 704 60 
 
 818 28 
 
 819 63 
 
 821 11 
 
 822 72 
 S24 46 
 
 55 
 56 
 57 
 58 
 59 
 
 284 58 
 
 284 90 
 
 285 24 
 
 285 69 
 
 286 01 
 
 818 28 
 
 819 63 
 
 821 11 
 
 822 72 
 824 46 
 
 55 
 
 56 
 57 
 58 
 59 
 
 249 44 
 251 26 
 253 17 
 255 24 
 257 21 
 
 709 34 
 714 39 
 719 75 
 725 40 
 731 34 
 
 826 33 
 S2S 30 
 830 38 
 832 57 
 834 88 
 
 60 
 
 286 44 
 
 826 33 
 
 60 
 
 259 37 
 
 737 54 
 
 837 35 
 
 25- Year Endowment, 10 Payments. 
 
 Age at 
 
 At end of 
 
 At end of 
 
 At end of 
 
 At end of 
 
 
 Issue. 
 
 5th Year. 
 
 10th Year. 
 
 15th Year. 
 
 20th Year. 
 
 
 25 
 
 $190 10 
 
 $544 61 
 
 $65S 95 
 
 806 77 
 
 25 
 
 190 31 
 
 545 21 
 
 659 37 
 
 806 94 
 
 
 27 
 
 190 56 
 
 -545 88 
 
 659 85 
 
 807 13 
 
 
 28 
 
 190 S3 
 
 546 62 
 
 660 ?8 
 
 807 34 
 
 
 29 
 
 191 13 
 
 547 45 
 
 660 99 
 
 807 60 
 
 
 30 
 
 191 47 
 
 548 38 
 
 661 68 
 
 807 87 
 
 
 31 
 
 191 ,S6 
 
 549 43 
 
 662 47 
 
 808 19 
 
 
 32 
 
 192 30 
 
 550 60 
 
 663 35 
 
 808 53 
 
 
 33 
 
 192 79 
 
 551 93 
 
 664 35 
 
 SOS 92 
 
 
 34 
 
 193 S5 
 
 553 42 
 
 665 48 
 
 809 35 
 
 
 35 
 
 193 97 
 
 555 09 
 
 666 72 
 
 809 83 
 
 
 36 
 
 191 66 
 
 556 97 
 
 668 H 
 
 810 35 
 
 
 3? 
 
 195 45 
 
 559 U6 
 
 669 65 
 
 810 94 
 
 
 38 
 
 196 32 
 
 561 40 
 
 671 34 
 
 811 58 
 
 
 39 
 
 197 33 
 
 563 99 
 
 673 21 
 
 812 28 
 
 
 40 
 
 198 44 
 
 566 85 
 
 675 26 
 
 813 07 
 
 
 41 
 
 199 70 
 
 570 00 
 
 677 51 
 
 813 92 
 
 
 42 
 
 201 07 
 
 573 45 
 
 679 98 
 
 814 86 
 
 
 43 
 
 202 59 
 
 577 23 
 
 682 68 
 
 815 90 
 
 
 44 
 
 204 26 
 
 581 35 
 
 685 62 
 
 817 03 
 
 
 45 
 
 206 05 
 
 5S5 S3 
 
 688 83 
 
 818 28 
 
 
 46 
 
 207 97 
 
 590 70 
 
 692 32 
 
 819 63 
 
 
 47 
 
 210 03 
 
 595 98 
 
 696 10 
 
 821 11 
 
 
 48 
 
 212 22 
 
 601 67 
 
 700 19 
 
 822 72 
 
 
 49 
 
 214 55 
 
 607 79 
 
 704 60 
 
 824 46 
 
 
 50 
 
 217 02 
 
 614 36 
 
 709 34 
 
 826 33 
 
 
 51 
 
 219 64 
 
 621 36 
 
 714 39 
 
 S2S 30 
 
 
 52 
 
 222 37 
 
 62S 81 
 
 719 75 
 
 830 38 
 
 
 53 
 
 225 2s 
 
 636 67 
 
 725 40 
 
 832 57 
 
 
 54 
 
 228 33 
 
 644 96 
 
 731 34 
 
 831 88 
 
 
 55 
 
 231 47 
 
 653 64 
 
 637 54 
 
 837 35 
 
 J 
 
 72 
 
The Guaranteed Minimum Surrender Value of a Five-year 
 Dividend Policy of $1,000, in the New York Life Insurance 
 Company. 
 
 Thirty- Year Endowment, Ten Payments. 
 
 Age at 
 Issue. 
 
 At end of At end of 
 5th Year. ! 10th Year. 
 
 $160 67 
 161 08 
 
 161 55 
 
 162 07 
 
 162 65 
 
 163 30 
 161 03 
 
 164 81 
 
 165 75 
 
 166 77 
 
 167 89 
 
 169 13 
 
 170 52 
 
 172 05 
 
 173 75 
 
 175 63 
 177 69 
 179 93 
 182 38 
 185 01 
 
 187 82 
 190 94 
 193 96 
 197 26 
 200 72 
 
 204 33 
 
 $459 91 
 
 461 06 
 
 462 35 
 
 463 78 
 465 37 
 
 467 16 
 469 14 
 471 36 
 473 81 
 476 60 
 
 479 67 
 483 07 
 486 83 
 490 97 
 495 51 
 
 500 48 
 505 88 
 511 71 
 518 07 
 521 90 
 
 532 22 
 540 05 
 548 37 
 557 19 
 566 50 
 
 576 28 
 
 At end of 
 15th Year. 
 
 $548 38 
 
 549 43 
 
 550 60 
 
 551 93 
 553 42 
 
 555 09 
 
 556 97 
 559 06 
 561 40 
 563 99 
 
 566 85 
 570 00 
 573 45 
 577 23 
 581 35 
 
 585 83 
 
 590 70 
 
 595 98 
 
 601 67 
 
 607 79 
 
 614 36 
 621 36 
 628 81 
 636 67 
 644 96 
 
 653 64 
 
 At end of 
 20th Year. 
 
 $661 68 
 
 662 47 
 
 663 35 
 
 664 35 
 
 665 48 
 
 666 72 
 66S 11 
 669 65 
 671 34 
 673 21 
 
 675 26 
 677 51 
 679 98 
 682 68 
 685 62 
 
 692 32 
 696 10 
 700 19 
 704 60 
 
 709 34 
 714 39 
 719 75 
 725 40 
 731 34 
 
 737 54 
 
 At end of 
 25th Year. 
 
 $807 87 
 808 19 
 808 53 
 
 808 92 
 
 809 35 
 
 809 83 
 
 810 35 
 
 810 94 
 
 811 58 
 
 812 28 
 
 813 07 
 
 813 92 
 
 814 86 
 
 815 90 
 
 817 03 
 
 818 28 
 
 819 63 
 
 821 11 
 
 822 72 
 824 46- 
 
 826 33 
 828 30 
 830 38 
 832 57 
 834 88 
 
 837 35 
 
 Thirty-Five- Year Endowment, Ten Payments. 
 
 Age at 
 
 At end of 
 
 At end of 
 
 At end of 
 
 At end of 
 
 At end of 
 
 At end of 
 
 Issue. 
 
 5th Year. 
 
 10th Year. 
 
 15th Year. 
 
 20th Year. 
 
 25th Year. 
 
 30th Year. 
 
 25 
 
 $139 04 
 
 $397 69 
 
 $467 16 
 
 $555 09 
 
 $666 72 
 
 $809 83 
 
 26 
 
 139 73 
 
 399 62 
 
 469 14 
 
 556 97 
 
 668 11 
 
 810 35 
 
 27 
 
 140 50 
 
 401 76 
 
 471 36 
 
 559 06 
 
 669 65 
 
 810 94 
 
 28 
 
 141 36 
 
 404 13 
 
 473 84 
 
 561 40 
 
 671 34 
 
 811 58 
 
 29 
 
 142 31 
 
 406 76 
 
 476 60 
 
 563 99 
 
 673 21 
 
 812 28 
 
 30 
 
 143 36 
 
 409 63 
 
 479 67 
 
 566 85 
 
 675 26 
 
 813 07 
 
 31 
 
 144 54 
 
 412 91 
 
 483 07 
 
 570 00 
 
 677 51 
 
 813 92 
 
 32 
 
 145 83 
 
 416 48 
 
 486 83 
 
 573 45 
 
 679 98 
 
 814 86 
 
 33 
 
 147 26 
 
 420 42 
 
 490 97 
 
 577 23 
 
 682 68 
 
 815 90 
 
 34 
 
 148 83 
 
 424 77 
 
 495 51 
 
 581 35 
 
 685 62 
 
 817 03 
 
 35 
 
 150 56 
 
 429 54 
 
 500 48 
 
 585 83 
 
 688 83 
 
 818 28 
 
 35 
 
 152 45 
 
 434 78 
 
 505 88 
 
 590 70 
 
 692 32 
 
 819 63 
 
 37 
 
 154 53 
 
 440 49 
 
 511 74 
 
 595 98 
 
 696 10 
 
 821 11 
 
 33 
 
 156 79 
 
 446 70 
 
 518 07 
 
 601 67 
 
 700 19 
 
 822 72 
 
 39 
 
 159 27 
 
 453 44 
 
 524 90 
 
 607 79 
 
 704 60 
 
 824 46 
 
 40 
 
 161 95 
 
 460 69 
 
 532 22 
 
 614 36 
 
 709 34 
 
 826 33 
 
 41 
 
 164 86 
 
 468 47 
 
 540 05 
 
 621 36 
 
 714 39 
 
 S2S 30 
 
 42 
 
 167 95 
 
 476 77 
 
 548 37 
 
 628 81 
 
 719 75 
 
 830 38 
 
 43 
 
 171 27 
 
 485 60 
 
 557 19 
 
 636 67 
 
 725 40 
 
 832 57 
 
 44 
 
 171 80 
 
 494 95 
 
 566 50 
 
 644 96 
 
 731 34 
 
 S34 88 
 
 45 
 
 178 48 
 
 504 82 
 
 576 28 
 
 653 64 
 
 737 54 
 
 837 35 
 
 73 
 
ORDINARY LIFE POLICIES 
 
 j Cash Surrender Values per §1,000, 
 
 iccordin 
 
 g to Sec 
 
 4, Chap 
 
 .232 
 
 of the Mass. Laws of 1880. 
 
 1 dO 
 
 S ^3 
 
 No. of Years Completed and Wholly Paid fob in Cash. 
 
 i 
 
 1 '">£ 
 
 1 ^ t " H 
 
 2 
 
 3 
 
 4 
 
 5 
 
 6 | 7 
 
 8 
 
 9 
 
 10 
 
 11 
 
 12 
 
 13 
 
 1 25 
 
 SO 53 
 
 $8 55 
 
 $16 84 
 
 $25 38 
 
 $34 21 $43 34 
 
 $52 75 
 
 $62 47 
 
 $72 50 
 
 $82 87 
 
 $93 56 
 
 104 63 
 
 1 26 
 
 95 
 
 9 30 
 
 17 92 
 
 26 82 
 
 36 01 
 
 45 50 
 
 55 29 
 
 65 39 
 
 75 84 
 
 86 62 
 
 97 78 
 
 109 28 
 
 S 27 
 
 1 41 
 
 10 09 
 
 19 06 
 
 28 33 
 
 37 8S 
 
 47 75 
 
 57 95 
 
 68 47 
 
 79 34 
 
 90 58 
 
 102 19 
 
 114 19 
 
 \ 2: 
 
 1 86 
 
 10 92 
 
 20 26 
 
 29 89 
 
 39 84 
 
 50 12 
 
 60 74 
 
 71 69 
 
 83 03 
 
 94 73 
 
 106 82 
 
 119 34 
 
 1 29 
 
 2 36 
 
 11 78 
 
 21 50 
 
 31 53 
 
 41 91 
 
 52 61 
 
 63 66 
 
 75 09 
 
 86 90 
 
 99 10 
 
 111 71 
 
 124 76 
 
 30 
 
 2 87 
 
 12 68 
 
 22 81 
 
 33 27 
 
 44 07 
 
 55 22 
 
 66 75 
 
 78 67 
 
 90 98 j 103 71 
 
 116 87 
 
 130 47 
 
 31 
 
 3 40 
 
 13 62 
 
 24 19 
 
 35 09 
 
 46 34 
 
 57 99 
 
 70 01 
 
 82 44 
 
 95 29 j 108 58 
 
 122 29 
 
 136 43 
 
 32 
 
 3 96 
 
 14 63 
 
 25 64 
 
 37 01 
 
 48 76 
 
 60 90 
 
 73 45 
 
 86 43 
 
 99 85 113 70 
 
 127 97 
 
 142 61 
 148 99 
 
 33 
 
 4 57 
 
 15 69! 27 18 
 
 39 06 
 
 51 32 
 
 63 99 
 
 77 10 
 
 90 66 
 
 104 65 
 
 119 07 
 
 133 86 
 
 34 
 
 5 21 
 
 16 81 28 82 
 
 41 21 
 
 54 03 
 
 07 28 
 
 80 97 
 
 95 12 
 
 109 69 
 
 124 63 
 
 139 93 
 
 155 53 
 
 35 
 
 5 88 
 
 18 02 30 56 
 
 43 52 
 
 56 91 
 
 70 75 
 
 85 06 
 
 99 79 
 
 114 90 
 
 130 37 
 
 146 14 
 
 162 21 
 
 35 
 
 6 62 
 
 19 29 32 40 
 
 45 95 
 
 59 96 
 
 74 43 
 
 89 34 
 
 104 62 
 
 120 27 
 
 136 23 
 
 152 48 
 
 169 01 
 
 37 
 
 7 40 
 
 20 66 34 37 
 
 48 55 
 
 63 2L 
 
 78 2S 
 
 93 76 
 
 109 60 
 
 125 74 
 
 142 19 
 
 158 93 
 
 175 96 
 
 33 
 
 8 21 
 
 22 10 
 
 36 47 
 
 51 30 
 
 66 57 
 
 S2 24 
 
 98 27 
 
 114 63 
 
 131 30 
 
 148 24 
 
 165 48 
 
 183 00 
 
 » 49 
 Si 
 
 9 10 
 
 23 65 
 
 38 68 
 
 54 16 
 
 70 03 
 
 86 29 
 
 102 85 
 
 119 73 
 
 136 92 
 
 154 39 
 
 172 15 
 
 190 14 8 
 
 10 04 
 
 25 28 
 
 40 97 
 
 57 07 
 
 73 55 
 
 90 36 
 
 107 47 
 
 124 89 
 
 142 61 
 
 160 60 
 
 178 86 
 
 197 35 
 
 11 03 
 
 26 95 
 
 43 28 
 
 60 00 
 
 77 05 
 
 94 42 
 
 112 09 
 
 130 07 
 
 148 33 
 
 166 85 
 
 1S5 61 
 
 204 61 
 
 i 1 !I 
 
 12 02 
 
 28 59 
 
 45 57 
 
 62 88 
 
 SO 52 
 
 98 46 
 
 116 72 
 
 135 26 
 
 154 06 
 
 173 11 
 
 192 40 
 
 211 90 
 
 | 43 
 
 : 44 
 
 12 95 
 
 30 20 
 
 47 79 
 
 65 71 
 
 83 93 
 
 102 49 
 
 121 33 
 
 140 43 
 
 159 80 
 
 179 38 
 
 199 20 
 
 219 23 
 
 13 81 
 
 31 73 
 
 49 95 
 
 68 48 
 
 87 35 
 
 106 51 
 
 125 94 
 
 145 62 
 
 165 55 
 
 185 70 
 
 206 06 
 
 226 60 
 
 ' 45 
 
 14 09 
 
 33 23 
 
 52 09 
 
 71 29 
 
 90 7S 
 
 110 55 
 
 130 59 
 
 150 86 
 
 171 37 
 
 192 09 
 
 212 99 234 07 
 
 : i 43 
 
 15 50 
 
 34 71 
 
 54 26 
 
 74 11 
 
 94 25 
 
 114 65 
 
 135 29 
 
 156 19 
 
 177 28 
 
 198 56 
 
 220 02 241 65 
 
 !i 47 
 
 16 33 
 
 36 26 
 
 56 48 
 
 77 00 
 
 97 79 
 
 118 83 
 
 140 11 
 
 161 61 
 
 183 29 
 
 205 18 
 
 227 22 j 249 39 
 
 43 
 
 17 20 
 
 37 82 
 
 58 75 
 
 79 95 
 
 101 41 
 
 123 11 
 
 145 03 
 
 167 15 
 
 189 46 
 
 211 94 
 
 234 55 1 257 21 
 
 49 
 
 18 09 
 
 39 44 
 
 61 08 
 
 82 97 
 
 105 12 
 
 127 49 
 
 150 06 
 
 172 84 
 
 195 77 
 
 218 S4 
 
 241 98 265 14 
 
 i 59 
 
 18 98 
 
 41 08 
 
 63 44 
 
 86 re 
 
 108 91 
 
 131 97 
 
 155 22 
 
 178 65 
 
 202 21 
 
 225 84 
 
 249 50 
 
 273 13 
 
 1 51 
 
 19 90 
 
 42 75 
 
 65 87 
 
 89 22 
 
 112 79 
 
 136 55 
 
 160 50 
 
 184 59 
 
 208 74 
 
 232 92 
 
 257 07 
 
 281 17 
 
 52 
 
 20 82 
 
 44 48 
 
 68 36 
 
 92 46 
 
 116 78 
 
 141 27 
 
 165 91 
 
 190 61 
 
 215 34 
 
 240 06 
 
 264 71 
 
 289 22 
 
 ; 53 
 
 21 79 
 
 46 25 
 
 70 93 
 
 95 82 
 
 120 S8 
 
 146 11 
 
 171 39 
 
 196 72 
 
 222 01 
 
 247 25 
 
 272 36 297 31 
 
 54 
 
 22 80 
 
 48 07 
 
 73 58 
 
 99 27 
 
 125 11 
 
 151 02 
 
 176 97 
 
 202 88 
 
 228 73 
 
 254 46 
 
 280 04 305 37 
 
 55 
 
 23 81 
 
 49 96 
 
 76 31 
 
 102 81 
 
 129 38 
 
 155 99 
 
 182 57 
 
 209 08 
 
 235 46 
 
 261 69 
 
 287 67 313 37 
 295 24 321 32 
 
 55 
 
 . 57 
 
 24 88 
 
 51 93! 79 12 
 
 106 39 
 
 133 71 
 
 160 98 
 
 188 19 
 
 215 27 
 
 242 19 
 
 268 86 
 
 26 00 
 
 53 94! 81 97 
 
 110 03 
 
 138 05 
 
 166 00 
 
 193 82 
 
 221 48 
 
 248 87 
 
 275 97 
 
 302 77 
 
 329 22 
 
 ; 58 
 
 ! 53 
 f 
 69 
 
 27 13 
 
 55 95: 84 81 
 
 113 62 
 
 142 37 
 
 170 98 
 
 199 41 
 
 227 58 
 
 255 46 
 
 283 01 
 
 310 22 
 
 337 03 
 
 28 25 
 
 57 94 87 60 
 
 117 20 
 
 146 65 
 
 175 91 
 
 204 91 
 
 233 61 
 
 261 97 
 
 289 96 
 
 317 57 
 
 344 74 
 
 29 31 
 
 59 88; 90 36 
 
 120 71 
 
 150 87 
 
 ISO 74 
 
 210 31 
 
 239 52 
 
 268 39 
 
 296 83 
 
 324 82 
 
 352 34 
 
 
 No. of Years Completed axd Wholly Paid for est Cash. 
 
 14 
 
 15 
 
 16 
 
 17 | 18 | 19 j 20 
 
 25 ! 30 
 
 35 
 
 40 
 
 25 
 
 $116 06 
 
 $127 87 
 
 $140 08 
 
 S152 71 $165 76 $179 19 $192 96 
 
 $266 18 $345 26 
 
 $428 47 
 
 $512 96 
 
 25 
 
 121 19 
 
 133 50 
 
 146 22 
 
 159 37 
 
 172 90 
 
 186 78 
 
 201 00 
 
 276 08 S56 73 
 
 441 14 
 
 526 07 
 
 27 
 
 126 59 
 
 139 42 
 
 152 67 
 
 166 31 
 
 ISO 30 
 
 194 62 
 
 209 23 
 
 286 18 ! 368 38 
 
 453 90 
 
 539 09 
 
 23 
 
 132 27 
 
 145 63 
 
 159 38 
 
 173 50 
 
 187 94 
 
 202 67 
 
 217 66 
 
 296 45 i 380 19 
 
 466 71 
 
 552 04 
 
 29 
 
 138 23 
 
 152 11 
 
 166 35 
 
 180 91 
 
 195 76 
 
 210 90 
 
 226 30 
 
 306 91 392 17 
 
 479 54 
 
 564 88 
 
 39 
 
 144 46 
 
 158 83 
 
 173 53 
 
 188 52 
 
 203 79 
 
 219 32 
 
 235 13 
 
 317 56 404 29 
 
 492 36 
 
 577 62 
 
 31 
 
 150 92 
 
 165 76 
 
 ISO 89 
 
 196 31 
 
 211 98 
 
 227 95 
 
 244 15 
 
 328 36 
 
 416 49 
 
 505 17 
 
 590 23 
 
 32 
 
 : 33 
 I 34 
 
 157 60 
 
 172 87 
 
 188 43 
 
 204 28 
 
 220 39 
 
 236 75 
 
 253 31 
 
 3S9 33 
 
 428 79 
 
 517 90 
 
 602 68 
 
 164 43 
 
 180 16 
 
 196 15 
 
 212 43 
 
 228 96 
 
 215 72 
 
 262 71 
 
 350 47 
 
 441 13 
 
 530 56 
 
 614 99 
 
 171 42 
 
 187 59 
 
 204 04 
 
 220 75 
 
 237 69 
 
 254 86 
 
 272 21 
 
 361 76 
 
 453 50 
 
 543 11 
 
 627 12 
 
 35 
 
 178 55 
 
 195 19 
 
 212 08 
 
 229 22 
 
 246 58 
 
 264 15 
 
 281 92 
 
 373 18 
 
 465 86 
 
 555 56 
 
 639 07 
 
 35 
 
 185 85 
 
 202 94 
 
 220 27 
 
 237 83 
 
 255 60 
 
 273 58 
 
 291 74 
 
 384 67 
 
 47S 18 567 88 
 
 650 81 
 
 37 
 
 193 26 
 
 210 80 
 
 228 57 
 
 246 56 
 
 264 77 
 
 283 15 
 
 301 69 
 
 396 24 
 
 490 44 
 
 580 04 
 
 662 38 
 
 38 
 
 200 77 
 
 218 77 
 
 236 99 
 
 255 42 
 
 274 04 
 
 292 81 
 
 311 76 
 
 407 82 
 
 502 58 
 
 592 04 
 
 673 72 
 
 39 
 
 208 39 
 
 226 84 
 
 245 52 
 
 264 38 
 
 283 41 
 
 302 61 
 
 321 94 
 
 419 41 
 
 514 62 
 
 603 86 
 
 684 82 
 
 40 
 
 216 07 
 
 235 00 
 
 254 13 
 
 273 42 
 
 292 89 
 
 312 50 
 
 332 21 
 
 430 96 
 
 526 53 
 
 615 49 
 
 695 70 
 
 41 
 
 223 82 
 
 243 22 
 
 262 80 
 
 282 55 
 
 302 45 
 
 322 45 342 53 
 
 442 43 
 
 538 28 
 
 627 31 
 
 706 38 
 
 42 
 
 231 61 
 
 251 49 
 
 271 54 
 
 291 74 
 
 312 06 
 
 332 43 
 
 352 84 
 
 453 79 
 
 549 85 
 
 638 10 
 
 716 92 
 
 43 
 
 239 42 
 
 259 80 
 
 280 32 
 
 300 97 
 
 321 68 
 
 342 41 
 
 363 12 
 
 465 03 
 
 561 25 
 
 649 08 
 
 727 39 
 
 44 
 
 247 32 
 
 268 19 
 
 289 19 
 
 310 24 
 
 331 32 
 
 352 38 
 
 373 38 
 
 476 14 
 
 572 46 
 
 659 83 
 
 737 89 
 
 45 
 
 255 31 
 
 276 68 
 
 298 10 
 
 319 55 
 
 340 98 
 
 362 35 
 
 383 62 
 
 487 14 
 
 583 50 
 
 670 39 
 
 748 52 
 
 46 
 
 263 41 
 
 285 23 
 
 307 07 
 
 328 89 
 
 350 66 
 
 372 32 
 
 393 85 
 
 498 04 
 
 594 38 
 
 680 80 
 
 759 34 
 
 47 
 
 271 62 
 
 293 88 
 
 316 12 
 
 338 30 
 
 360 37 
 
 382 31 
 
 404 04 
 
 508 85 
 
 605 14 
 
 691 13 
 
 770 37 
 
 48 
 
 279 92 
 
 302 59 
 
 325 21 
 
 347 72 
 
 370 10 
 
 392 26 
 
 414 19 
 
 519 55 
 
 615 74 
 
 701 49 
 
 781 65 
 
 49 
 
 288 29 
 
 311 38 
 
 334 34 
 
 357 18 
 
 379 80 
 
 402 17 
 
 424 30 
 
 530 15 
 
 626 17 
 
 711 95 
 
 793 13 
 
 59 
 
 296 70 
 
 320 16 
 
 343 49 
 
 366 58 
 
 3S9 44 
 
 412 03 
 
 434 34 
 
 540 62 
 
 636 45 
 
 722 63 
 
 804 69 
 
 51 
 
 305 14 
 
 328 97 
 
 352 59 
 
 375 95 
 
 399 94 
 
 421 85 
 
 444 33 
 
 550 98 
 
 646 63 
 
 733 58 
 
 816 31 
 
 52 
 
 313 61 
 
 337 75 
 
 361 66 
 
 385 28 
 
 408 60 
 
 431 59 
 
 454 22 
 
 561 23 
 
 656 78 
 
 744 83 
 
 827 86 
 
 53 
 
 322 04 
 
 346 51 
 
 370 69 
 
 394 57 
 
 418 10 
 
 441 27 
 
 464 04 
 
 571 33 
 
 666 99 
 
 756 42 
 
 839 05 
 
 54 
 
 330 44 
 
 355 21 
 
 379 67 
 
 403 79 
 
 427 53 
 
 450 86 
 
 473 77 
 
 581 31 
 
 677 39 
 
 768 30 
 
 849 53 
 
 55 
 
 338 77 
 
 363 87 
 
 388 59 
 
 412 94 
 
 436 87 
 
 460 36 
 
 483 39 
 
 591 16 
 
 688 07 
 
 780 35 
 
 859 03 
 
 56 
 
 347 07 
 
 372 45 
 
 397 44 
 
 422 00 
 
 446 10 
 
 469 75 
 
 492 95 
 
 600 93 
 
 699 13 
 
 792 55 
 
 866 49 
 
 57 
 
 355 29 
 
 380 96 
 
 406 20 
 
 430 97 
 
 455 25 
 
 479 04 
 
 502 32 
 
 610 70 
 
 710 58 
 
 804 76 
 
 872 34 
 
 58 
 
 363 43 
 
 389 37 
 
 414 84 
 
 439 82 
 
 464 27 
 
 488 23 
 
 511 61 
 
 620 60 
 
 722 49 
 
 816 62 
 
 882 49 
 
 ( 59 
 
 371 44 
 
 397 67 
 
 423 37 
 
 448 55 
 
 473 20 
 
 497 28 
 
 520 75 
 
 630 72 
 
 734 80 
 
 827 77 
 
 906 81 1 
 
 J 60 
 
 379 35 
 
 405 85 
 
 431 79 
 
 457 19 
 
 482 00 
 
 506 19 
 
 529 80 
 
 641 26 
 
 747 44 
 
 837 87 
 
 1 
 
 74 
 
'•~ 
 
 
 
 ORDINARY 
 
 LIFE POLICIES. 
 
 
 
 
 Faid up Values per $1,000, accordin 
 
 g to Sec. 2, Chap. 232, of the Mass. Laws of 1880. 
 
 fl 
 
 Number of Years Completed and "Wholly Paid for in Cash. 
 
 2 ! 3 
 
 4 
 
 5 
 
 6 
 
 7 8 
 
 9 
 
 10 
 
 11 
 
 12 | 13 
 
 25 
 
 51 84 |29 10 
 
 156 15 
 
 $82 90 
 
 $109 43 
 
 $135 74 $161 73 
 
 $187 45 
 
 $212 86 
 
 $23S 02 
 
 262 82 287 36 
 
 26 
 
 3 23 j 31 01 
 
 58 53 
 
 S3 79 
 
 112 78 
 
 139 50 165 90 
 
 191 99 
 
 217 S3 
 
 243 32 
 
 268 57 
 
 293 44 
 
 27 
 
 I 4 70, 3-2 96 
 
 60 97 
 
 SS 73 
 
 116 14 
 
 143 28 170 14 
 
 190 66 
 
 222 87 
 
 248 80 
 
 274 40 
 
 299 68 
 
 28 
 
 j 6 08 34 93 
 
 63 45 
 
 91 64 
 
 119 54 
 
 147 15 
 
 174 46 
 
 201 38 
 
 228 03 
 
 254 37 
 
 280 34 
 
 306 04 
 
 29 
 
 7 55 36 89 
 
 65 92 
 
 94 61 
 
 123 05 
 
 151 11 
 
 178 83 
 
 206 25 
 
 233 34 
 
 260 08 
 
 286 47 
 
 312 54 
 
 30 
 
 8 99 38 SS 
 
 68 44 
 
 97 68 
 
 120 58 
 
 155 12 
 
 183 34 
 
 211 24 
 
 238 77 
 
 265 95 
 
 292 77 
 
 319 22 
 
 31 
 
 10 121 40 87 
 
 71 02 
 
 100 79 
 
 130 17 
 
 159 28 
 
 187 99 
 
 216 36 
 
 244 36 
 
 272 00 
 
 299 21 
 
 325 99 
 
 32 
 
 11 88 
 
 42 95 
 
 73 64 
 
 103 96 
 
 133 93 
 
 103 53 j 192 70 
 
 221 64 
 
 250 13 
 
 278 19 
 
 305 77 
 
 332 75 
 
 33 
 
 13 42 
 
 45 06 
 
 76 35 
 
 107 29 
 
 137 80 
 
 167 94 • 197 72 
 
 227 11 
 
 256 05 
 
 284 51 
 
 312 34 
 
 339 49 
 
 34 
 
 14 96 
 
 47 22 
 
 79 16 
 
 110 66 
 
 141 80 
 
 172 .38 202 84 
 
 232 73 
 
 262 OS 
 
 290 80 
 
 318 84 
 
 346 13 
 
 35 
 
 16 52 
 
 49 50 
 
 82 06 
 
 114 21 
 
 145 94 
 
 177 24 ■ 20S 12 
 
 238 44 
 
 268 10 
 
 297 06 
 
 325 23 
 
 352 61 
 
 35 
 
 18 18 
 
 51 SO 
 
 85 03 
 
 117 S3 
 
 150 21 
 
 1S2 11 ; 218 47 
 
 244 11 
 
 274 05 
 
 303 18 
 
 331 46 
 
 358 93 
 
 37 
 
 19 S7 
 
 54 22 
 
 SS 14 
 
 121 62 
 
 154 66 
 
 1S7 04 ' 218 77 
 
 249 73 
 
 279 S3 
 
 309 09 
 
 337 52 
 
 365 13 
 
 33 
 
 21 55 
 
 56 07 
 
 91 36 
 
 125 52 
 
 159 06 
 
 191 89 228 92 
 
 255 11 
 
 2«5 42 
 
 314 82 
 
 343 39 
 
 371 12 
 
 39 
 
 23 34 
 
 59 25 
 
 94 64 
 
 129 41 
 
 163 40 
 
 196 62 ! 228 89 
 
 260 27 
 
 290 78 
 
 320 37 
 
 349 12 
 
 376 91 
 
 40 
 
 25 15 
 
 61 85 
 
 97 89 
 
 133 16 
 
 167 59 
 
 201 10 233 62 
 
 265 23 
 
 295 93 
 
 325 70 
 
 354 55 
 
 382 50 
 
 41 
 
 20 99 61 37 
 
 100 99 
 
 136 72 
 
 171 47 
 
 205 25 23S 05 
 
 209 91 
 
 300 81 
 
 330 75 
 
 359 75 
 
 387 84 
 
 42 
 
 28 72 
 
 66 71 
 
 103 84 
 
 139 94 
 
 175 03 
 
 209 10 242 21 
 
 274 31 
 
 305 39 
 
 335 52 
 
 364 69 
 
 392 90 
 
 43 
 
 30 22 
 
 68 81 
 
 106 36 
 
 142 84 
 
 178 24 
 
 212 OS 240 (0 
 
 278 37 
 
 309 72 
 
 340 01 
 
 369 36 
 
 397 77 
 
 44 
 
 31 51 
 
 70 62 
 
 108 58 
 
 145 43 
 
 181 26 
 
 216 00 
 
 249 65 
 
 282 24 
 
 313 80 
 
 344 32 
 
 373 88 
 
 402 42 
 
 45 
 
 32 69 
 
 72 24 
 
 110 62 
 
 147 93 
 
 184 10 
 
 219 14 
 
 253 11 
 
 285 96 
 
 317 75 
 
 348 53 
 
 378 25 
 
 406 98 I 
 
 46 
 
 33 69 
 
 73 71 
 
 112 59 
 
 150 30 
 
 186 83 
 
 222 21 
 
 250 44 
 
 289 61 
 
 321 66 
 
 352 62 
 
 382 55 
 
 411 48 1 
 
 47 
 
 34 68 
 
 75 24 
 
 114 54 
 
 152 64 
 
 189 54 
 
 225 24 
 
 259 79 
 
 293 23 
 
 325 50 
 
 356 75 
 
 386 91 
 
 410 03 
 
 48 
 
 35 69 
 
 76 70 
 
 116 46 
 
 154 96 
 
 192 22 
 
 228 27 
 
 263 14 
 
 296 84 
 
 329 41 
 
 380 89 
 
 391 28 
 
 420 54 
 
 49 
 
 36 69 
 
 78 18 
 
 118 39 
 
 157 27 
 
 194 91 
 
 231 32 
 
 266 49 
 
 300 52 
 
 333 36 
 
 365 07 
 
 395 64 
 
 425 02 
 
 50 
 
 37 62 
 
 79 62 
 
 120 25 
 
 159 57 
 
 197 61 
 
 234 37 
 
 269 88 
 
 304 21 
 
 337 33 
 
 369 25 
 
 399 95 
 
 429 44 
 
 51 
 
 38 57 
 
 81 03 
 
 122 14 
 
 161 88 
 
 200 30 
 
 237 42 
 
 273 30 
 
 307 93 
 
 341 29 
 
 373 37 
 
 404 19 
 
 433 82 
 
 52 
 
 39 46 
 
 82 47 
 
 124 03 
 
 104 20 
 
 203 05 
 
 240 55 
 
 276 77 
 
 311 65 
 
 345 19 
 
 377 45 
 
 408 42 
 
 438 11 
 
 53 
 
 40 40 
 
 83 92 
 
 125 90 
 
 166 60 
 
 205 83 
 
 243 74 
 
 280 22 
 
 315 34 
 
 349 07 
 
 381 48 
 
 412 57 
 
 442 34 
 
 54 
 
 41 37 
 
 S5 37 
 
 127 93 
 
 169 04 
 
 2C8 71 
 
 246 92 
 
 283 68 
 
 318 99 
 
 352 91 
 
 385 46 
 
 410 04 
 
 446 48 
 
 55 
 
 42 28 
 
 86 87 
 
 129 94 
 
 171 51 
 
 211 54 
 
 250 05 
 
 287 05 
 
 322 59 
 
 356 67 
 
 389 34 
 
 420 60 
 
 450 47 
 
 55 
 
 43 26 
 
 88 43 
 
 131 99 
 
 173 95 
 
 214 34 
 
 253 11 
 
 290 36 
 
 326 09 
 
 360 33 
 
 393 10 
 
 424 41 
 
 454 35 
 
 57 
 
 44 27 
 
 89 98 
 
 134 02 
 
 176 38 
 
 217 06 
 
 256 12 
 
 293 60 
 
 329 52 
 
 363 87 
 
 396 71 
 
 428 12 
 
 458 18 
 
 58 
 
 45 26 
 
 91 48 
 
 135 95 178 64 
 
 219 66 
 
 259 00 
 
 296 68 
 
 332 74 
 
 367 22 
 
 400 18 
 
 431 73 
 
 461 83 
 
 59 
 
 46 19 
 
 92 88 
 
 137 73 
 
 180 S3 
 
 222 15 
 
 261 72 
 
 299 60 
 
 335 81 
 
 370 43 
 
 403 54 
 
 435 17 
 
 465 40 
 
 60 
 
 46 98 
 
 94 15 
 
 139 42 
 
 182 85 
 
 224 46 
 
 264 26 
 
 302 32 
 
 338 68 
 
 373 52 
 
 406 75 
 
 438 51 
 
 468 82 
 
 -," 
 
 Number of Years Completed and "Wholly Paid for in Cash. 
 
 II 
 
 14 | 15 
 
 16 
 
 17 
 
 18 
 
 19 
 
 20 
 
 25 
 
 30 
 
 35 
 
 40 a 
 
 25 
 
 $311 64 j$335 58 
 
 $359 22 
 
 $382 54 
 
 $405 56 
 
 .$428 16 
 
 $450 23 
 
 $552 35 
 
 $640 18 
 
 $714 77 
 
 $777 03 I 
 
 26 
 
 318 05 ! 342 35 
 
 366 30 
 
 389 93 
 
 413 13 
 
 435 81 
 
 458 00 
 
 559 89 
 
 647 25 
 
 721 20 
 
 782 69 
 
 27 
 
 324 63 349 26 
 
 373 54 
 
 397 38 
 
 420 69 
 
 443 46 
 
 465 64 
 
 567 29 
 
 654 21 
 
 727 00 
 
 788 20 
 
 28 
 
 331 35 356 31 
 
 380 82 
 
 404 83 
 
 428 24 
 
 451 04 
 
 473 15 
 
 574 58 
 
 661 04 
 
 733 81 
 
 793 56 
 
 29 
 
 338 21 
 
 363 45 
 
 388 14 
 
 412 22 
 
 435 66 
 
 458 45 
 
 480 59 
 
 581 75 
 
 667 79 
 
 739 88 
 
 798 74 
 
 30 
 
 345 17 
 
 370 60 
 
 395 41 
 
 419 55 
 
 446 00 
 
 465 77 
 
 487 92 
 
 588 82 
 
 674 44 
 
 745 83 
 
 803 87 
 
 31 
 
 352 14 
 
 377 70 
 
 402 57 
 
 426 74 
 
 450 18 
 
 473 02 
 
 495 14 
 
 595 78 
 
 680 96 
 
 751 59 
 
 808 79 
 
 32 
 
 359 11 
 
 384 72 
 
 409 61 
 
 433 83 
 
 457 33 
 
 480 13 
 
 502 20 
 
 602 62 
 
 687 35 
 
 757 22 
 
 813 62 
 
 33 
 
 365 94 
 
 391 63 
 
 416 56 
 
 440 81 
 
 464 33 
 
 487 09 
 
 509 18 
 
 609 36 
 
 693 59 
 
 762 68 
 
 818 31 
 
 34 
 
 372 63 
 
 398 38 
 
 423 40 
 
 447 68 
 
 471 17 
 
 493 97 
 
 516 03 
 
 616 00 
 
 699 71 
 
 707 96 
 
 822 84 
 
 35 
 
 379 19 
 
 405 04 
 
 430 10 
 
 454 38 
 
 477 92 
 
 500 70 
 
 522 74 
 
 622 54 
 
 705 68 
 
 773 17 
 
 827 28 
 
 36 
 
 385 66 
 
 411 56 
 
 436 64 
 
 460 96 
 
 484 49 
 
 507 27 
 
 529 33 
 
 628 94 
 
 711 44 
 
 778 17 
 
 831 54 
 
 37 
 
 391 93 
 
 417 87 
 
 443 01 
 
 467 35 
 
 490 94 
 
 513 75 
 
 535 77 
 
 635 17 
 
 717 07 
 
 783 05 
 
 835 79 
 
 38 
 
 397 99 
 
 424 02 
 
 449 21 
 
 473 60 
 
 497 22 
 
 520 00 
 
 542 06 
 
 641 22 
 
 722 46 
 
 787 77 
 
 839 86 
 
 39 
 
 403 90 
 
 429 98 
 
 455 24 
 
 479 69 
 
 503 31 
 
 526 15 
 
 548 20 
 
 647 11 
 
 727 67 
 
 792 32 
 
 843 77 
 
 40 
 
 409 56 
 
 435 74 
 
 461 09 
 
 485 57 
 
 509 25 
 
 532 13 
 
 554 19 
 
 652 82 
 
 732 77 
 
 796 75 
 
 847 64 
 
 41 
 
 415 01 
 
 441 30 
 
 466 71 
 
 491 27 
 
 515 01 
 
 537 91 
 
 560 04 
 
 658 25 
 
 737 61 
 
 801 51 
 
 S51 40 
 
 42 
 
 420 23 
 
 446 62 
 
 472 13 
 
 496 77 
 
 520 58 
 
 543 52 
 
 565 60 
 
 663 49 
 
 742 30 
 
 805 15 
 
 855 14 | 
 
 43 
 
 425 19 
 
 451 71 
 
 477 33 
 
 502 08 
 
 525 95 
 
 548 88 
 
 570 93 
 
 668 48 
 
 746 80 
 
 809 14 
 
 858 90 | 
 
 44 
 
 430 02 
 
 456 67 
 
 482 43 
 
 507 24 
 
 531 11 
 
 554 05 
 
 576 09 
 
 673 26 
 
 751 12 
 
 812 98 
 
 862 67 | 
 
 45 
 
 434 "74 
 
 461 56 
 
 487 39 
 
 512 24 
 
 536 12 
 
 559 07 
 
 581 11 
 
 677 95 
 
 755 34 
 
 816 80 
 
 866 64 j 
 
 46 
 
 439 42 
 
 466 35 
 
 492 23 
 
 517 12 
 
 541 03 
 
 563 99 
 
 585 97 
 
 682 46 
 
 759 44 
 
 820 57- 
 
 870 81 1 
 
 47 
 
 444 10 
 
 471 09 
 
 497 04 
 
 521 96 
 
 545 89 
 
 568 80 
 
 590 75 
 
 686 95 
 
 763 57 
 
 824 38 
 
 
 '■ 48 
 
 448 71 
 
 475 76 
 
 501 77 
 
 526 73 
 
 550 63 
 
 573 52 
 
 595 40 
 
 691 31 
 
 767 58 
 
 828 32 
 
 879 83 
 
 | 49 
 
 453 28 
 
 480 43 
 
 506 46 
 
 531 41 
 
 555 31 
 
 578 12 
 
 599 96 
 
 695 61 
 
 771 50 
 
 832 34 
 
 884 74 
 
 50 
 
 457 78 
 
 484 98 
 
 511 04 
 
 535 98 
 
 559 82 
 
 582 61 
 
 604 47 
 
 699 83 
 
 775 45 
 
 836 66 
 
 8S9 75 
 
 51 
 
 462 23 
 
 489 44 
 
 515 52 
 
 540 43 
 
 564 24 
 
 587 09 
 
 008 87 
 
 703 99 
 
 779 38 
 
 841 27 
 
 S94 92 
 
 52 
 
 466 59 
 
 493 82 
 
 519 89 
 
 541 79 
 
 568 05 
 
 591 41 
 
 013 20 
 
 708 16 
 
 783 41 
 
 846 20 
 
 900 21 
 
 53 
 
 470 85 
 
 498 11 
 
 524 16 
 
 549 12 
 
 572 92 
 
 595 71 
 
 017 45 
 
 712 22 
 
 787 58 
 
 851 43 
 
 905 42 
 
 54 
 
 475 01 
 
 502 27 
 
 528 39 
 
 553 31 
 
 577 17 
 
 599 91 
 
 021 63 
 
 716 23 
 
 791 94 
 
 S57 04 
 
 910 36 
 
 55 
 
 479 02 
 
 506 40 
 
 532 48 
 
 557 47 
 
 581 30 
 
 604 04 
 
 625 75 
 
 720 27 
 
 796 65 
 
 862 83 
 
 914 78 jj 
 
 5S 
 
 483 02 
 
 510 37 
 
 536 54 
 
 561 51 
 
 585 33 
 
 608 09 
 
 029 84 
 
 724 30 
 
 801 76 
 
 868 87 
 
 918 13 3 
 
 57 
 58 
 
 69 
 
 486 85 
 
 514 30 
 
 540 47 
 
 565 48 
 
 589 32 
 
 612 07 
 
 038 £3 
 
 728 44 
 
 S07 29 
 
 875 10 
 
 920 75 d 
 
 490 63 
 
 518 10 
 
 544 31 
 
 569 35 
 
 593 20 
 
 616 05 
 
 037 77 
 
 78.2 80 
 
 813 23 
 
 S81 21 
 
 920 70 1 
 
 494 24 
 
 521 78 
 
 548 05 
 
 573 11 
 
 597 08 
 
 619 91 
 
 011 02 
 
 787 3 1 
 
 819 67 
 
 8S7 04 
 
 943 OS 1 
 
 [_60 
 
 497 75 
 
 525 37 
 
 551 70 
 
 570 88 
 
 600 86 623 68 
 
 645 51 
 
 742 13 
 
 826 It 
 
 892 25 
 
 1000 00 1 
 
 7b 
 
^MUTUAL BENEFIT 
 
 Paid-up Non-participating Insurance, per $1,000 Policy, 
 at the end of the following" years. 
 
 
 Age 
 
 
 
 
 
 
 
 at Issue of 
 Original 
 
 3d. 
 
 5th. 
 
 7th. 
 
 10th- 
 
 15th. 
 
 20th. 
 
 Policy. 
 
 
 
 
 
 
 
 25 
 
 S 62 
 
 S103 
 
 S1J4 
 
 $206 
 
 $311 
 
 1414 
 
 26 
 
 63 
 
 105 
 
 147 
 
 212 
 
 319 
 
 423 
 
 27 
 
 65 
 
 108 
 
 151 
 
 217 
 
 326 
 
 432 
 
 28 
 
 67 
 
 111 
 
 156 
 
 223 
 
 334 
 
 441 
 
 29 
 
 68 
 
 114 
 
 160 
 
 229 
 
 342 
 
 450 
 
 30 
 
 70 
 
 117 
 
 164 
 
 235 
 
 350 
 
 459 
 
 31 
 
 72 
 
 120 
 
 169 
 
 241 
 
 358 
 
 468 
 
 32 
 
 74 
 
 121 
 
 173 
 
 247 
 
 366 
 
 477 
 
 33 
 
 76 
 
 127 
 
 178 
 
 253 
 
 374 
 
 485 
 
 31 
 
 78 
 
 131 
 
 183 
 
 259 
 
 382 
 
 494 
 
 35 
 
 81 
 
 134 
 
 187 
 
 266 
 
 390 
 
 502 
 
 36 
 
 83 
 
 138 
 
 192 
 
 272 
 
 398 
 
 511 
 
 37 
 
 85 
 
 142 
 
 197 
 
 278 
 
 406 
 
 519 
 
 38 
 
 88 
 
 145 
 
 202 
 
 285 
 
 413 
 
 527 
 
 39 
 
 90 
 
 149 
 
 207 
 
 291 
 
 421 
 
 535 
 
 40 
 
 92 
 
 153 
 
 212 
 
 298 
 
 429 
 
 543 
 
 41 
 
 95 
 
 157 
 
 217 
 
 304 
 
 436 
 
 550 
 
 42 
 
 97 
 
 161 
 
 2 9 2 
 
 310 
 
 443 
 
 558 
 
 43 
 
 100 
 
 165 
 
 227 
 
 317 
 
 451 
 
 565 
 
 44 
 
 103 
 
 169 
 
 232 
 
 323 
 
 458 
 
 572 
 
 45 
 
 105 
 
 173 
 
 237 
 
 329 
 
 464 
 
 579 
 
 46 
 
 108 
 
 176 
 
 242 
 
 335 
 
 471 
 
 585 
 
 47 
 
 110 
 
 180 
 
 247 
 
 340 
 
 478 
 
 591 
 
 48 
 
 113 
 
 184 
 
 251 
 
 346 
 
 484 
 
 598 
 
 49 
 
 115 
 
 187 
 
 256 
 
 351 
 
 490 
 
 603 
 
 50 
 
 117 
 
 191 
 
 260 
 
 357 
 
 496 
 
 609 
 
 51 
 
 120 
 
 194 
 
 264 
 
 362 
 
 502 
 
 615 
 
 52 
 
 122 
 
 197 
 
 269 
 
 367 
 
 508 
 
 620 
 
 53 
 
 124 
 
 201 
 
 273 
 
 372 
 
 513 
 
 625 
 
 54 
 
 126 
 
 204 
 
 277 
 
 377 
 
 518 
 
 630 
 
 55 
 
 128 
 
 208 
 
 281 
 
 382 
 
 524 
 
 635 
 
 56 
 
 131 
 
 211 
 
 285 
 
 387 
 
 528 
 
 640 
 
 57 
 
 133 
 
 214 
 
 289 
 
 391 
 
 533 
 
 646 
 
 58 
 
 135 
 
 217 
 
 293 
 
 396 
 
 538 
 
 651 
 
 59 
 
 137 
 
 220 
 
 297 
 
 400 
 
 542 
 
 657 
 
 60 
 
 139 
 
 223 
 
 301 
 
 404 
 
 547 
 
 66.! 
 
 *Aft*r two annual premiums have been paid, this Company issues paid-up values if 
 application is made for the same within three months after the premium falls due. If the 
 policy holder does not apply for a paid-up-policy, the Company extends the insurance for the 
 face of the policy for as many years and days as the reserve will pay for. 
 
Paid-up Non-participating Insurance. 
 
 
 * Mutual Life, Per $1,000 Policy. 
 
 LIFE PLAN. 
 
 Age at 
 
 At the Exd of the Following Years. 
 
 Issue of 
 Original 
 
 
 
 
 
 
 
 Policy. 
 
 3rd Year. 
 
 5th Year. 
 
 7th Year. 
 
 10th Year. 
 
 15th Year. 
 
 20th Year. 
 
 25 
 
 $ 56 
 
 8 93 
 
 8132 
 
 8190 
 
 $287 
 
 8384 
 
 26 
 
 57 
 
 96 
 
 136 
 
 195 
 
 294 
 
 393 
 
 27 
 
 59 
 
 99 
 
 139 
 
 200 
 
 302 
 
 402 
 
 28 
 
 61 
 
 102 
 
 144 
 
 206 
 
 309 
 
 411 | 
 
 29 
 
 63 
 
 105 
 
 148 
 
 211 
 
 317 
 
 420 
 
 30 
 
 65 
 
 108 
 
 152 
 
 217 
 
 325 
 
 430 
 
 31 
 
 67 
 
 111 
 
 156 
 
 223 
 
 333 
 
 439 
 
 32 
 
 69 
 
 115 
 
 160 
 
 229 
 
 341 
 
 448 
 
 33 
 
 71 
 
 118 
 
 165 
 
 235 
 
 349 
 
 458 
 
 34 
 
 73 
 
 121 
 
 170 
 
 241 
 
 358 
 
 467 
 
 35 
 
 75 
 
 125 
 
 174 
 
 248 
 
 366 
 
 476 
 
 36 
 
 77 
 
 128 
 
 179 
 
 254 
 
 374 
 
 485 
 
 37 
 
 79 
 
 132 
 
 184 
 
 260 
 
 383 
 
 494 
 
 38 
 
 82 
 
 135 
 
 189 
 
 267 
 
 391 
 
 503 
 
 39 
 
 84 
 
 139 
 
 194 
 
 274 
 
 399 
 
 512 
 
 40 
 
 86 
 
 143 
 
 199 
 
 280 
 
 407 
 
 521 
 
 41 
 
 89 
 
 147 
 
 204 
 
 287 
 
 415 
 
 530 
 
 42 
 
 91 
 
 151 
 
 209 
 
 293 
 
 423 
 
 538 
 
 43 
 
 94 
 
 155 
 
 214 
 
 300 
 
 431 
 
 547 
 
 44 
 
 96 
 
 159 
 
 220 
 
 306 
 
 439 
 
 555 
 
 45 
 
 99 
 
 163 
 
 225 
 
 313 
 
 447 
 
 563 
 
 46 
 
 102 
 
 167 
 
 230 
 
 319 
 
 454 
 
 571 
 
 47 
 
 104 
 
 171 
 
 235 
 
 325 
 
 462 
 
 579 
 
 48 
 
 107 
 
 174 
 
 239 
 
 382 
 
 469 
 
 587 
 
 49 
 
 109 
 
 178 
 
 244 
 
 338 
 
 476 
 
 594 
 
 50 
 
 111 
 
 182 
 
 249 
 
 343 
 
 483 
 
 601 
 
 51 
 
 114 
 
 186 
 
 254 
 
 349 
 
 490 
 
 608 
 
 52 
 
 116 
 
 189 
 
 259 
 
 355 
 
 497 
 
 615 
 
 53 
 
 119 
 
 193 
 
 263 
 
 361 
 
 504 
 
 621 
 
 54 
 
 121 
 
 197 
 
 268 
 
 367 
 
 510 
 
 628 
 
 55 
 
 123 
 
 200 
 
 272 
 
 373 
 
 517 
 
 635 
 
 56 
 
 126 
 
 204 
 
 277 
 
 378 
 
 523 
 
 642 
 
 57 
 
 128 
 
 207 
 
 281 
 
 384 
 
 529 
 
 648 
 
 58 
 
 130 
 
 211 
 
 286 
 
 389 
 
 535 
 
 656 
 
 59 
 
 133 
 
 214 
 
 290 
 
 394 
 
 541 
 
 663 
 
 60 
 
 135 
 
 218 
 
 295 
 
 399 
 
 547 
 
 671 
 
 Northwestern Mutual, Per $1,000 Policy. 
 
 25 
 
 8 54 46 
 
 8 90 96 
 
 $127 54 
 
 8182 38 
 
 8272 89 
 
 8360 41 
 
 26 
 
 55 99 
 
 93 45 
 
 130 96 
 
 187 07 
 
 279 26 
 
 368 07 
 
 27 
 
 57 56 
 
 96 02 
 
 134 45 
 
 191 84 
 
 285 72 
 
 375 84 
 
 28 
 
 59 17 
 
 98 65 
 
 138 01 
 
 196 71 
 
 292 24 
 
 383 71 
 
 29 
 
 60 82 
 
 101 32 
 
 141 66 
 
 201 63 
 
 298 85 
 
 391 65 
 
 30 
 
 62 53 
 
 104 06 
 
 145 38 
 
 206 63 
 
 305 54 
 
 399 61 
 
 31 
 
 64 25 
 
 106 87 
 
 149 18 
 
 211 69 
 
 312 36 
 
 407 57 
 
 32 
 
 66 01 
 
 109 72 
 
 153 01 
 
 216 81 
 
 319 25 
 
 415 52 
 
 33 
 
 67 83 
 
 112 63 
 
 156 91 
 
 222 00 
 
 326 25 
 
 423 44 
 
 34 
 
 69 69 
 
 115 60 
 
 160 87 
 
 227 29 
 
 333 33 
 
 431 32 
 
 35 
 
 71 59 
 
 118 62 
 
 164 90 
 
 232 65 
 
 340 42 
 
 439 13 
 
 36 
 
 73 49 
 
 121 65 
 
 168 96 
 
 238 11 
 
 347 51 
 
 446 85 
 
 37 
 
 75 45 
 
 124 75 
 
 173 12 
 
 243 65 
 
 354 58 
 
 454 47 
 
 38 
 
 77 41 
 
 127 90 
 
 177 34 
 
 249 28 
 
 361 62 
 
 461 97 
 
 39 
 
 79 45 
 
 131 14 
 
 181 66 
 
 254 97 
 
 368 63 
 
 469 35 
 
 40 
 
 81 51 
 
 134 42 
 
 186 04 
 
 260 66 
 
 375 55 
 
 476 57 
 
 41 
 
 83 64 
 
 137 79 
 
 190 50 
 
 266 35 
 
 382 41 
 
 483 66 
 
 42 
 
 85 79 
 
 141 19 
 
 194 98 
 
 272 00 
 
 389 15 
 
 490 57 
 
 43 
 
 87 99 
 
 144 64 
 
 199 45 
 
 277 59 
 
 395 77 
 
 497 32 
 
 44 
 
 90 19 
 
 148 09 
 
 203 87 
 
 283 12 
 
 402 24 
 
 503 89 
 
 45 
 
 92 43 
 
 151 52 
 
 208 24 
 
 288 56 
 
 408 58 
 
 510 28 
 
 46 
 
 94 65 
 
 154 88 
 
 212 54 
 
 293 89 
 
 414 76 
 
 516 45 
 
 47 
 
 96 84 
 
 158 20 
 
 216 78 
 
 299 13 
 
 420 79 
 
 522 42 
 
 48 
 
 98 98 
 
 161 44 
 
 220 92 
 
 304 25 
 
 426 67 
 
 528 15 
 
 49 
 
 101 06 
 
 164 63 
 
 225 00 
 
 309 26 
 
 432 39 
 
 533 63 
 
 50 
 
 103 12 
 
 167 78 
 
 229 01 
 
 314 19 
 
 437 99 
 
 53S 86 
 
 51 
 
 105 18 
 
 170 91 
 
 232 97 
 
 319 03 
 
 443 42 
 
 543 81 
 
 52 
 
 107 22 
 
 174 00 
 
 236 89 
 
 323 79 
 
 448 70 
 
 54S 50 
 
 53 
 
 109 24 
 
 177 C5 
 
 240 75 
 
 328 46 
 
 453 81 
 
 553 00 
 
 54 
 
 111 24 
 
 180 07 
 
 244 55 
 
 333 05 
 
 458 70 
 
 557 39 
 
 55 
 
 113 22 
 
 183 05 
 
 248 29 
 
 337 55 
 
 463 37 
 
 561 81 
 
 56 
 
 115 19 
 
 186 00 
 
 251 97 
 
 341 94 
 
 467 SO 
 
 566 36 
 
 57 
 
 117 15 
 
 188 91 
 
 255 61 
 
 346 20 
 
 471 98 
 
 571 14 
 
 58 
 
 119 08 
 
 191 77 
 
 259 18 
 
 350 32 
 
 476 01 
 
 575 21 
 
 59 
 
 120 96 
 
 194 59 
 
 262 63 
 
 354 25 
 
 479 98 
 
 581 62 
 
 60 
 
 122 83 
 
 197 35 
 
 265 99 
 
 357 99 
 
 484 04 
 
 587 39 
 
 * This C 
 
 ompany issues the above paid-up values only upon application made for it by the 
 
 insured, wi 
 
 tlun six months after the premium falls due. The laws of the State of New York 
 
 require all 
 falling due. 
 
 lite companies doing business in that State to send 30 davs' notice of premium 
 
 77 
 

 Paid-up Non-participating Insurance. 
 
 
 
 * Equitable, Per $1,000 Policy. 
 
 
 
 
 LIFE PLAN. 
 
 
 _Age at 
 
 Issue of 
 
 i 
 
 At the End of the Following- Years. 
 
 
 Original 
 
 
 
 
 
 
 
 
 Policy, 
 
 3rd Year, 
 
 5th Year. 
 
 7th Year, j 10th Year. 
 
 15th Year. 
 
 20th Year. 
 
 25 
 
 S HO 
 
 8 83 
 
 $116 SI 66 
 
 S247 
 
 $322 
 
 26 
 
 51 
 
 85 
 
 119 
 
 170 
 
 252 
 
 328 
 
 27 
 
 53 
 
 88 
 
 122 
 
 174 
 
 257 
 
 334 
 
 28 
 
 54 
 
 90 
 
 126 
 
 178 
 
 262 
 
 340 
 
 29 
 
 56 
 
 92 
 
 ]29 
 
 182 
 
 268 
 
 316 
 
 30 
 
 57 
 
 95 
 
 132 
 
 187 
 
 273 
 
 352 
 
 31 
 
 59 
 
 97 
 
 135 
 
 191 
 
 279 
 
 358 
 
 32 
 
 60 
 
 100 
 
 138 
 
 195 
 
 284 
 
 363 
 
 33 
 
 61 
 
 102 
 
 142 
 
 199 
 
 289 
 
 369 
 
 34 
 
 63 
 
 105 
 
 145 
 
 204 
 
 295 
 
 374 
 
 35 
 
 65 
 
 107 
 
 148 
 
 208 
 
 300 
 
 380 
 
 36 
 
 67 
 
 310 
 
 152 
 
 212 
 
 305 
 
 385 
 
 37 
 
 68 
 
 112 
 
 155 
 
 217 
 
 310 
 
 390 
 
 38 
 
 70 
 
 115 
 
 159 
 
 221 
 
 315 
 
 395 
 
 39 
 
 71 
 
 118 
 
 162 
 
 225 
 
 320 
 
 400 
 
 40 
 
 73 
 
 120 
 
 165 
 
 230 
 
 325 
 
 404 
 
 41 
 
 75 
 
 123 
 
 169 
 
 234 
 
 330 
 
 409 
 
 42 
 
 77 
 
 126 
 
 172 
 
 238 
 
 334 
 
 412 
 
 43 
 
 78 
 
 128 
 
 176 
 
 242 
 
 338 
 
 418 
 
 44 
 
 80 
 
 131 
 
 179 
 
 246 
 
 343 
 
 422 
 
 45 
 
 82 
 
 134 
 
 182 
 
 250 
 
 347 
 
 426 
 
 46 
 
 84 
 
 136 
 
 185 
 
 253 
 
 351 
 
 430 
 
 47 
 
 85 
 
 138 
 
 188 
 
 257 
 
 354 
 
 433 
 
 48 
 
 87 
 
 141 
 
 191 
 
 260 
 
 358 
 
 437 
 
 49 
 
 88 
 
 143 
 
 194 
 
 263 
 
 362 
 
 449 
 
 50 
 
 90 
 
 145 
 
 196 
 
 267 
 
 365 
 
 461 
 
 51 
 
 "91 
 
 147 
 
 199 
 
 270 
 
 369 
 
 472 
 
 52 
 
 93 
 
 149 
 
 202 
 
 274 
 
 372 
 
 484 
 
 53 
 
 94 
 
 151 
 
 204 
 
 276 
 
 375 
 
 496 
 
 54 
 
 95 
 
 153 
 
 207 
 
 279 
 
 386 
 
 507 
 
 55 
 
 97 
 
 155 
 
 209 
 
 282 
 
 396 
 
 519 
 
 56 
 
 98 
 
 157 
 
 212 
 
 284 
 
 406 
 
 530 
 
 57 
 
 100 
 
 159 
 
 214 
 
 287 
 
 417 
 
 542 
 
 58 
 
 101 
 
 161 
 
 216 
 
 290 
 
 427 
 
 554 
 
 59 
 
 102 
 
 163 
 
 218 
 
 298 
 
 437 
 
 567 
 
 60 
 
 103 
 
 165 
 
 221 
 
 306 
 
 447 
 
 580 . 
 
 
 *N 
 
 ew York Life, Per $1,000 Policy. 
 
 
 Age at 
 Issue of 
 
 
 At the End of the Following Years. 
 
 
 Original 
 Policy. 
 
 
 
 
 3rd Year. 
 
 5th Year. 
 
 6th Year. 7th Year. 
 
 8th Year. 
 
 9th Year. 
 
 25 
 
 3 50 
 
 $84 
 
 $100 $117 
 
 $133 
 
 $149 
 
 26 
 
 52 
 
 85 
 
 102 
 
 119 
 
 136 
 
 152 
 
 27 
 
 53 
 
 88 
 
 105 
 
 123 
 
 140 
 
 158 
 
 28 
 
 55 
 
 90 
 
 108 
 
 125 
 
 143 
 
 160 
 
 29 
 
 56 
 
 93 
 
 111 
 
 129 
 
 147 
 
 165 
 
 30 
 
 57 
 
 95 
 
 113 
 
 132 
 
 150 
 
 169 
 
 31 
 
 58 
 
 98 
 
 116 
 
 135 
 
 154 
 
 173 
 
 32 
 
 59 
 
 100 
 
 119 
 
 138 
 
 158 
 
 177 
 
 33 
 
 62 
 
 102 
 
 122 
 
 141 
 
 160 
 
 180 
 
 34 
 
 63 
 
 105 
 
 125 
 
 145 
 
 165 
 
 185 
 
 35 
 
 65 
 
 107 
 
 128 
 
 149 
 
 169 
 
 189 
 
 36 
 
 66 
 
 110 
 
 130 
 
 151 
 
 172 
 
 193 
 
 37 
 
 68 
 
 113 
 
 134 
 
 155 
 
 176 
 
 197 
 
 38 
 
 70- 
 
 116 
 
 138 
 
 159 
 
 180 
 
 200 
 
 39 
 
 71 
 
 118 
 
 140 
 
 162 
 
 184 
 
 205 
 
 40 
 
 73 
 
 120 
 
 143 
 
 166 
 
 187 
 
 209 
 
 41 
 
 75 
 
 122 
 
 146 
 
 169 
 
 190 
 
 212 
 
 42 
 
 76 
 
 126 
 
 149 
 
 172 
 
 295 
 
 217 
 
 43 
 
 78 
 
 128 
 
 151 
 
 175 
 
 198 
 
 221 
 
 44 
 
 81 
 
 131 
 
 155 
 
 180 
 
 202 
 
 225 
 
 45 
 
 S2 
 
 133 
 
 158 
 
 182 
 
 205 
 
 227 
 
 46 
 
 84 
 
 136 
 
 161 
 
 185 
 
 208 
 
 231 
 
 47 
 
 85 
 
 138 
 
 163 
 
 188 
 
 211 
 
 234 
 
 48 
 
 87 
 
 140 
 
 165 
 
 191 
 
 214 
 
 237 
 
 49 
 
 88 
 
 144 
 
 168 
 
 193 
 
 217 
 
 242 
 
 50 
 
 90 
 
 145 
 
 171 
 
 196 
 
 220 
 
 244 
 
 51 
 
 91 
 
 147 
 
 173 
 
 199 
 
 225 
 
 250 
 
 52 
 
 92 
 
 150 
 
 176 
 
 201 
 
 228 
 
 256 
 
 53 
 
 94 
 
 151 
 
 179 
 
 207 
 
 236 
 
 264 
 
 54 
 
 95 
 
 153 
 
 182 
 
 212 
 
 241 
 
 270 
 
 55 
 
 97 
 
 157 
 
 187 
 
 217 
 
 247 
 
 278 
 
 56 
 
 98 
 
 162 
 
 193 
 
 224 
 
 255 
 
 285 
 
 57 
 
 100 
 
 166 
 
 198 
 
 230 
 
 261 
 
 292 
 
 58 
 
 103 
 
 170 
 
 203 
 
 236 
 
 267 
 
 299 
 
 59 
 
 106 
 
 175 
 
 208 
 
 241 
 
 273 
 
 305 
 
 60 
 
 110 
 
 179 
 
 213 
 
 247 
 
 279 
 
 310 
 
 *ThisC 
 
 oiapany issue 
 
 s the above paid-up values only upon application made 
 bs after the premium falls due.' The laws of the State 
 
 for it by The 
 
 insure.-!, wi 
 
 hin six mont 
 
 of New York 
 
 require all. 
 
 life cornpanie 
 
 s doing business in that State to send 30 days' notice 
 
 of premium 
 
 falling due, 
 
 
 .„, „ 
 
 
 78 
 
Cash Surrender Values 
 
 Guaranteed on Tontine and Semi-Tontine Policies of $1,000 each, by the Northwestern 
 Mutual, issued since 1SS5. being the Reserve Combined Actuaries table of mortality and 
 four per cent, interest. Prior to 18S5 the American Experience and four and one-half per 
 
 ■ cent, reser 1 
 
 e was guan 
 
 mteea. 
 
 
 
 
 
 TEN- YEAR CLASS. 
 
 Age. 
 
 Life. 
 
 10 Paym't 
 Life. 
 
 15 Paym't 
 Life. 
 
 20 Pavm't 
 Life. 
 
 15 Year 
 Eudowm't 
 
 20 Year 
 
 Endowrn' t. 
 
 25 
 26 
 27 
 28 
 29 
 
 $ 82 20 
 
 91 76 
 
 95 50 
 
 99 43 
 
 103 56 
 
 $340 60 
 34S 17 
 355 99 
 364 07 
 372 42 
 
 $254 21 
 260 13 
 266 24 
 272 55 
 279 06 
 
 $170 58 
 174 72 
 179 00 
 1S3 41 
 187 97 
 
 $585 92 
 585 71 
 585 47 
 585 23 
 
 -584 97 
 
 $385 82 
 385 62 
 385 40 
 385 20 
 385 04 
 
 30 
 31 
 32 
 33 
 34 
 
 107 91 
 112 51 
 117 37 
 122 50 
 127 86 
 
 3S1 04 
 3S9 96 
 399 18 
 408 71 
 418 52 
 
 285 79 
 292 75 
 299 95 
 307 39 
 315 05 
 
 192 71 
 197 64 
 202 76 
 208 07 
 213 56 
 
 *584 70 
 -5S4 44 
 *584 21 
 *583 99 
 *583 79 
 
 384 89 
 384 76 
 3S4 79 
 
 384 87 
 
 385 01 
 
 35 
 
 36 
 37 
 38 
 39 
 
 133 41 
 
 139 13 
 144 97 
 150 S9 
 156 89 
 
 428 57 
 438 S6 
 449 35 
 460 02 
 470 88 
 
 322 90 
 330 90 
 339 02 
 347 24 
 355 56 
 
 219 IS 
 224 8S 
 230 62 
 236 39 
 242 16 
 
 •-583 58 
 -583 41 
 *583 16 
 
 *5S2 88 
 *582 56 
 
 385 17 
 
 *385 47 
 
 385 58 
 
 *385 72 
 
 -385 97 
 
 40 
 41 
 42 
 43 
 44 
 
 162 97 
 169 09 
 175 22 
 181 37 
 187 54 
 
 481 91 
 493 11 
 504 46 
 515 95 
 
 527 57 
 
 363 97 
 372 44 
 
 380 95 
 389 48 
 398 01 
 
 247 91 
 253 63 
 259 27 
 264 82 
 270 29 
 
 *581 23 
 
 *581 66 
 *582 05 
 *580 33 
 -579 49 
 
 385 90 
 
 385 90 
 
 ♦385 77 
 
 *385 56 
 
 *385 24 
 
 45 
 46 
 47 
 48 
 49 
 
 193 79 
 *200 13 
 *206 59 
 *213 19 
 *219 95 
 
 539 31 
 1 551 16 
 563 10 
 575 14 
 587 26 
 
 406 53 
 415 01 
 423 43 
 431 78 
 440 04 
 
 275 69 
 281 01 
 28G 33 
 291 61 
 296 85 
 
 *578 54 
 -577 50 
 *576 35 
 -575 01 
 *573 80 
 
 *384 86 
 *384 47 
 *384 03 
 -383 53 
 *383 23 
 
 59 
 51 
 52 
 53 
 54 
 
 *226 84 
 *233 82 
 -240 88 
 *248 00 
 ::; 255 18 
 
 599 43 
 611 63 
 623 83 
 636 00 
 648 12 
 
 448 21 
 456 26 
 464 18 
 471 93 
 479 50 
 
 302 06 
 307 18 
 312 22 
 317 10 
 321 88 
 
 *572 42 
 
 *570 91 
 *569 30 
 *567 56 
 *565 68 
 
 *382 92 
 *382 60 
 -382 28 
 -381 97 
 *381 67 
 
 55 
 
 *262 35 
 
 660 17 
 
 486 84 
 
 326 53 
 
 *563 74 
 
 *381 36 
 
 FIFTEEN- YEAR CLASS. 
 
 20-YEAR CLASS. 
 
 Age. 
 
 Life. 
 
 15 Paym't 
 Life. 
 
 20 Paym't 
 Life. 
 
 20 Year 
 Eudowm't. 
 
 Life. 
 
 20 Paym't 
 Life. 
 
 25 
 
 26 
 27 
 28 
 29 
 
 $144 12 
 J 49 99 
 156 17 
 162 65 
 169 41 
 
 $381 04 
 389 96 
 399 18 
 4U8 71 
 418 52 
 
 $285 79 
 292 75 
 299 95 
 307 39 
 315 05 
 
 $655 90 
 
 665 68 
 
 655 43 
 
 *655 21 
 
 -655 04 
 
 $209 84 
 218 13 
 226 62 
 235 31 
 244 20 
 
 $428 57 
 43S 86 
 449 35 
 
 *469 02 
 
 470 88 
 
 30 
 31 
 32 
 33 
 34 
 
 176 42 
 183 65 
 191 06 
 196 65 
 206 39 
 
 42S 57 
 438 86 
 449 35 
 460 02 
 470 88 
 
 322 90 
 330 90 
 339 02 
 347 24 
 355 56 
 
 *654 72 
 *654 64 
 *654 44 
 *654 23 
 *653 98 
 
 253 29 
 262 57 
 272 02 
 281 65 
 291 42 
 
 481 91 
 493 11 
 504 46 
 515 95 
 527 57 
 
 35 
 
 36 
 37 
 38 
 39 
 
 214 30 
 222 36 
 230 54 
 
 238 83 
 247 22 
 
 481 91 
 493 11 
 504 46 
 515 95 
 527 57 
 
 363 97 
 372 44 
 380 95 
 389 48 
 398 01 
 
 -653 68 
 *653 49 
 *653 04 
 *653 60 
 -652 27 
 
 301 35 
 311 42 
 321 60 
 331 91 
 342 33 
 
 539 31 
 551 16 
 
 563 10 
 575 14 
 
 587 26 
 
 40 
 41 
 42 
 
 8 
 
 255 70 
 
 264 25 
 
 272 83 
 
 *281 47 
 
 *290 19 
 
 539 31 
 551 16 
 563 10 
 575 14 
 
 587 26 
 
 406 53 
 415 01 
 423 43 
 431 78 
 440 04 
 
 *651 54 
 *650 90 
 ♦650 09 
 *649 22 
 *648 21 
 
 352 84 
 *363 37 
 *373 90 
 -384 39 
 -394 86 
 
 599 43 
 611 63 
 623 £3 
 636 00 
 648 12 
 
 45 
 46 
 47 
 48 
 49 
 
 -299 01 
 -307 89 
 *316 86 
 *325 89 
 *334 98 
 
 599 43 
 611 63 
 623 83 
 636 00 
 648 12 
 
 448 21 
 
 456 26 
 
 464 18 
 
 *471 93 
 
 *479 50 
 
 *647 11 
 -645 97 
 *644 69 
 *643 34 
 *641 86 
 
 -405 30 
 -415 77 
 -426 07 
 *436 37 
 -446 62 
 
 660 17 
 672 13 
 683 96 
 695 65 
 707 19 
 
 50 
 51 
 52 
 53 
 54 
 
 *344 07 
 -353 18 
 *362 24 
 -371 25 
 *380 21 
 
 660 17 
 672 13 
 683 96 
 695 65 
 707 19 
 
 -486 84 
 *493 93 
 *500 76 
 '-507 25 
 *513 40 
 
 -640 32 
 *638 64 
 *636 82 
 *634 84 
 *632 71 
 
 *456 79 
 *466 88 
 -476 87 
 *486 76 
 *496 55 
 
 *718 57 
 *729 77 
 *740 77 
 *751 59 
 *762 16 
 
 55 
 
 -389 11 
 
 718 59 
 
 *519 25 
 
 *630 42 
 
 *506 21 
 
 *772 51 
 
 * These figures in Northwestern Agents' Estimate book are erroneous. 
 
 79 
 
Mutual Life 20 Year Distribution guarantees American four per cent, reserve. 
 
 CASH VALUES guaranteed on Policies of $1,000 each, Tontine and Semi-Tontine Policies of 
 the Equitable, Toutiue and Non-forfeiting Limited Tontine Policies of New York Life, 
 issued prior to 18S6, on the Mutual Life 10, 15 and 20-year Distribution Policies, as now 
 issued, being the Reserve American Experience table of mortality, and four and one-half 
 per cent, interest. 
 
 10-YEAR CLASS. 
 
 
 
 Life, 10 
 
 Life, 15 
 
 Life, 20 
 
 15- Year 
 
 20- Year 
 
 Age. 
 
 Life. 
 
 Annual 
 
 Annual 
 
 Annual 
 
 Endow- 
 
 Endow- 
 
 
 
 Payrn'ts. 
 
 Payrn'ts. 
 
 Payrn'ts. 
 
 ment. 
 
 ment. 
 
 25 
 
 $ 73 08 
 
 8293 35 
 
 $192 85 
 
 $144 49 
 
 §577 09 
 
 $373 58 
 
 26 
 
 76 63 
 
 300 29 
 
 197 83 
 
 148 55 
 
 576 99 
 
 373 54 
 
 27 
 
 80 36 
 
 307 51 
 
 203 00 
 
 152 77 
 
 576 88 
 
 373 51 
 
 28 
 
 84 28 
 
 315 03 
 
 208 38 
 
 157 15 
 
 576 77 
 
 373 48 
 
 29 
 
 88 38 
 
 322 83 
 
 213 95 
 
 161 69 
 
 576 64 
 
 373 45 
 
 30 
 
 92 67 
 
 330 95 
 
 219 73 
 
 166 40 
 
 576 51 
 
 373 43 
 
 31 
 
 97 17 
 
 339 37 
 
 225 72 
 
 171 28 
 
 576 37 
 
 373 42 
 
 32 
 
 101 89 
 
 348 11 
 
 231 93 
 
 176 33 
 
 576 21 
 
 373 42 
 
 33 
 
 106 84 
 
 357 19 
 
 238 36 
 
 181 57 
 
 576 05 
 
 373 44 
 
 34 
 
 112 03 
 
 366 60 
 
 245 01 
 
 186 99 
 
 575 88 
 
 373 50 
 
 35 
 
 117 45 
 
 376 35 
 
 251 87 
 
 192 59 
 
 575 69 
 
 373 59 
 
 36 
 
 123 11 
 
 386 43 
 
 258 96 
 
 198 36 
 
 575 50 
 
 373 70 
 
 37 
 
 129 00 
 
 396 85 
 
 266 24 
 
 204 30 
 
 575 29 
 
 373 86 
 
 38 
 
 135 14 
 
 407 60 
 
 273 73 
 
 210 41 
 
 575 07 
 
 374 05 
 
 39 
 
 141 52 
 
 418 67 
 
 28141 
 
 216 67 
 
 574 84 
 
 374 28 
 
 40 
 
 148 11 
 
 430 04 
 
 289 25 
 
 223 04 
 
 574 58 
 
 374 54 
 
 41 
 
 154 89 
 
 441 69 
 
 297 22 
 
 229 52 
 
 574 29 
 
 374 81 
 
 42 
 
 161 85 
 
 453 63 
 
 305 31 
 
 236 08 
 
 573 94 
 
 375 08 
 
 43 
 
 168 99 
 
 465 82 
 
 313 49 
 
 242 70 
 
 573 55 
 
 375 36 
 
 44 
 
 176 28 
 
 478 26 
 
 321 75 
 
 249 36 
 
 573 09 
 
 375 64 
 
 45 
 
 183 72 
 
 490 92 
 
 330 06 
 
 256 05 
 
 572 56 
 
 375 90 
 
 46 
 
 191 29 
 
 503 80 
 
 338 38 
 
 262 73 
 
 571 93 
 
 376 15 
 
 47 
 
 198 98 
 
 516 87 
 
 346 70 
 
 269 39 
 
 571 22 
 
 376 39 
 
 48 
 
 206 79 
 
 530 10 
 
 355 00 
 
 276 01 
 
 570 40 
 
 376 62 
 
 49 
 
 214 71 
 
 543 48 
 
 363 23 
 
 282 59 
 
 569 47 
 
 376 84 
 
 50 
 
 222 74 
 
 556 99 
 
 371 40 
 
 289 11 
 
 568 43 
 
 377 07 
 
 51 
 
 230 87 
 
 570 59 
 
 379 45 
 
 295 56 
 
 567 26 
 
 377 32 
 
 52 
 
 239 09 
 
 584 26 
 
 387 37 
 
 301 92 
 
 565 97 
 
 377 59 
 
 53 
 
 247 39 
 
 597 97 
 
 395 13 
 
 308 18 
 
 564 54 
 
 377 89 
 
 54 
 
 255 76 
 
 611 70 
 
 402 68 
 
 314 34 
 
 562 96 
 
 378 24 
 
 55 
 
 264 19 
 
 625 42 
 
 410 01 
 
 320 37 
 
 561 23 
 
 378 62 
 
 56 
 
 272 62 
 
 639 08 
 
 417 06 
 
 326 23 
 
 559 32 
 
 
 57 
 
 281 06 
 
 652 65 
 
 423 80 
 
 331 92 
 
 557 24 
 
 
 58 
 
 289 45 
 
 666 11 
 
 430 20 
 
 337 38 
 
 554 95 
 
 
 59 
 
 297 76 
 
 679 42 
 
 436 17 
 
 342 59 
 
 552 43 
 
 
 60 
 
 305 98 
 
 692 54 
 
 441 70 
 
 347 52 
 
 549 65 
 
 
 PRESENT CASH VALUES guaranteed on Policies of $1,000 each, Tontine, Semi-Tontine and 
 Free Tontine Policies of Equitable, and Tontine and Non-forfeiting Limited Tontine 
 Policies of the New York Life, being the Reserve American Experience table of mortality 
 and four per cent, interest. 
 
 34 
 
 37 
 
 $80 82 
 
 $328 81 
 
 $216 97 
 
 $162 83 
 
 $585 47 
 
 84 50 
 
 336 02 
 
 222 11 
 
 166 99 
 
 585 36 
 
 88 35 
 
 343 50 
 
 227 42 
 
 171 30 
 
 585 26 
 
 92 39 
 
 351 24 
 
 232 92 
 
 175 75 
 
 585 14 
 
 96 60 
 
 359 27 
 
 238 61 
 
 180 35 
 
 585 J)2 
 
 101 01 
 
 367 57 
 
 244 49 
 
 185 10 
 
 584 88 
 
 105 62 
 
 376 17 
 
 250 55 
 
 190 01 
 
 584 74 
 
 110 44 
 
 385 06 
 
 256 82 
 
 195 07 
 
 584 58 
 
 115 48 
 
 394 25 
 
 263 27 
 
 200 29 
 
 584 41 
 
 120 76 
 
 403 75 
 
 269 93 
 
 205 69 
 
 584 24 
 
 126 26 
 
 413 56 
 
 276 78 
 
 211 23 
 
 584 05 
 
 131 99 
 
 423 66 
 
 283 82 
 
 216 94 
 
 583 85 
 
 137 95 
 
 434 06 
 
 291 04 
 
 222 79 
 
 583 64 
 
 144 15 
 
 444 76 
 
 298 44 
 
 228 78 
 
 583 41 
 
 150 57 
 
 455 74 
 
 305 99 
 
 234 90 
 
 583 18 
 
 157 19 
 
 466 99 
 
 313 68 
 
 241 12 
 
 582 91 
 
 164 01 
 
 478 48 
 
 321 47 
 
 247 41 
 
 582 61 
 
 170 99 
 
 490 21 
 
 329 35 
 
 253 77 
 
 582 26 
 
 178 13 
 
 502 15 
 
 337 30 
 
 260 16 
 
 581 85 
 
 185 42 
 
 514 31 
 
 345 29 
 
 266 57 
 
 581 38 
 
 192 85 
 
 526 65 
 
 353 30 
 
 272 98 
 
 580 83 
 
 200 39 
 
 539 15 
 
 361 30 
 
 279 37 
 
 580 19 
 
 208 05 
 
 551 81 
 
 369 27 
 
 285 72 
 
 579 46 
 
 215 81 
 
 564 59 
 
 377 18 
 
 292 01 
 
 578 63 
 
 223 68 
 
 577 48 
 
 385 01 
 
 298 23 
 
 577 68 
 
 231 64 
 
 590 46 
 
 392 74 
 
 304 38 
 
 576 61 
 
 239 70 
 
 603 49 
 
 400 34 
 
 310 44 
 
 575 43 
 
 247 85 
 
 616 56 
 
 407 78 
 
 316 41 
 
 574 11 
 
 256 05 
 
 629 63 
 
 415 03 
 
 322 26 
 
 572 64 
 
 264 32 
 
 642 69 
 
 422 06 
 
 327 98 
 
 571 03 
 
 272 64 
 
 655 70 
 
 428 85 
 
 333 57 
 
 569 26 
 
 280 95 
 
 668 63 
 
 435 35 
 
 338 99 
 
 567 32 
 
 289 26 
 
 681 45 
 
 441 52 
 
 344 22 
 
 565 19 
 
 297 53 
 
 694 14 
 
 447 33 
 
 349 23 
 
 562 85 
 
 305 70 
 
 706 65 
 
 452 71 
 
 353 97 
 
 660 28 
 
 313 77 
 
 718 96 
 
 457 64 
 
 358 43 
 
 
 $384 81 
 384 76 
 384 72 
 384 68 
 384 64 
 384 61 
 384 59 
 384 58 
 384 59 
 384 63 
 384 69 
 384 79 
 
 384 92 
 
 385 09 
 385 29 
 385 51 
 385 74 
 
 385 97 
 
 386 20 
 386 42 
 386 63 
 386 81 
 
 386 98 
 
 387 13 
 387 26 
 387 40 
 387 55 
 387 71 
 
 387 89 
 
 388 10 
 388 34 
 
 Note.— The reserve values in the New York Life on some of the above ages varies one cent 
 either larger or smaller than the figures given in table. 
 
 80 
 
Mutua 
 
 1 Life 20 Year Distribution guarantees American four per cent, reserve, 
 
 CASH VALUES guaranteed on Policies of $1,000 each, Tontine and Semi-Tontine Policies of 
 the Equitable, Tontine and Non-forfeiting Limited Tontine Policies of New York Life, 
 issued prior to 1SS6, on the Mutual Life 10, 15 and 20-year Distribution Policies, as now 
 issued, being the Reserve American Experience table of mortality, and four and one-half 
 per cent, interest. 
 
 15 YEAR CLASS. 
 
 20-Y'r Class 
 
 
 
 Life, 15 
 
 Life, 20 
 
 20-Year 
 
 
 Life, 20 
 
 Age. 
 
 Life. 
 
 Annual 
 
 Annual 
 
 Endow- 
 
 Life 
 
 Annual 
 
 
 
 Paym'ts. 
 
 Paym'ts. 
 
 ment. 
 
 
 Paym'ts. 
 
 25 
 
 8122 39 
 
 $330 95 
 
 $246 74 
 
 $645 65 
 
 $1S1 94 
 
 $376 35 
 
 26 
 
 12S 19 
 
 339 37 
 
 253 50 
 
 645 53 
 
 190 30 
 
 3^6 43 
 
 27 
 
 134 28 
 
 348 11 
 
 260 53 
 
 645 41 
 
 199 00 
 
 396 85 
 
 28 
 
 140 64 
 
 357 19 
 
 267 80 
 
 645 28 
 
 208 03 
 
 407 60 
 
 29 
 
 147 30 
 
 366 60 
 
 275 34 
 
 645 15 
 
 217 39 
 
 41S 67 
 
 30 
 
 154 24 
 
 376 35 
 
 283 12 
 
 645 00 
 
 227 05 
 
 430 04 
 
 31 
 
 1G1 49 
 
 386 43 
 
 291 16 
 
 644 87 
 
 237 02 
 
 441 69 
 
 32 
 
 169 03 
 
 396 85 
 
 299 45 
 
 644 72 
 
 247 26 
 
 453 63 
 
 33 
 
 176 88 
 
 407 60 
 
 307 97 
 
 644 58 
 
 257 77 
 
 465 82 
 
 34 
 
 185 02 
 
 418 67 
 
 316 73 
 
 644 43 
 
 268 56 
 
 478 26 
 
 35 
 
 193 43 
 
 430 04 
 
 325 68 
 
 644 27 
 
 279 59 
 
 490 92 
 
 36 
 
 202 08 
 
 441 69 
 
 834 82 
 
 644 09 
 
 290 85 
 
 503 80 
 
 37 
 
 211 00 
 
 453 63 
 
 344 12 
 
 643 88 
 
 302 32 
 
 516 87 
 
 38 
 
 220 14 
 
 465 82 
 
 353 56 
 
 643 65 
 
 313 99 
 
 530 10 
 
 39 
 
 229 52 
 
 478 26 
 
 363 13 
 
 643 40 
 
 325 84 
 
 543 48 
 
 40 
 
 239 11 
 
 490 92 
 
 372 81 
 
 643 10 
 
 337 85 
 
 556 99 
 
 41 
 
 248 90 
 
 503 80 
 
 382 56 
 
 642 75 
 
 350 00 
 
 570 59 
 
 42 
 
 258 87 
 
 516 87 
 
 392 36 
 
 642 35 
 
 362 25 
 
 584 26 
 
 43 
 
 268 99 
 
 530 10 
 
 402 19 
 
 641 89 
 
 374 58 
 
 597 97 
 
 44 
 
 279 26 
 
 543 48 
 
 412 00 
 
 641 35 
 
 386 96 
 
 611 70 
 
 45 
 
 289 65 
 
 556 99 
 
 421 78 
 
 640 74 
 
 399 37 
 
 625 42 
 
 46 
 
 300 14 
 
 570 59 
 
 431 49 
 
 640 03 
 
 411 76 
 
 639 08 
 
 47 
 
 310 72 
 
 584 26 
 
 441 09 
 
 639 23 
 
 424 11 
 
 652 65 
 
 48 
 
 321 36 
 
 597 97 
 
 450 56 
 
 638 33 
 
 436 39 
 
 666 11 
 
 49 
 
 332 05 
 
 611 70 
 
 459 86 
 
 637 32 
 
 448 54 
 
 679 42 
 
 50 
 
 342 79 
 
 625 42 
 
 468 97 
 
 636 20 
 
 460 56 
 
 692 54 
 
 51 
 
 353 54 
 
 639 08 
 
 477 84 
 
 634 97 
 
 472 41 
 
 705 44 
 
 52 
 
 364 27 
 
 652 65 
 
 486 46 
 
 633 62 
 
 484 08 
 
 718 11 
 
 53 
 
 374 96 
 
 666 11 
 
 494 76 
 
 632 15 
 
 495 61 
 
 730 56 
 
 54 
 
 385 55 
 
 679 42 
 
 502 71 
 
 630 52 
 
 507 07 
 
 742 82 
 
 55 
 
 396 04 
 
 692 54 
 
 510 27 
 
 628 72 
 
 518 57 
 
 754 92 
 
 56 
 
 406 37 
 
 705 44 
 
 517 38 
 
 
 530 21 
 
 766 89 
 
 57 
 
 416 55 
 
 718 11 
 
 523 99 
 
 
 542 OS 
 
 778 76 
 
 58 
 
 426 61 
 
 730 56 
 
 530 12 
 
 
 554 26 
 
 790 55 
 
 59 
 
 436 64 
 
 742 82 
 
 535 SO 
 
 
 566 77 
 
 802 22 
 
 60 
 
 446 78 
 
 754 92 
 
 541 10 
 
 
 579 68 
 
 813 80 
 
 PRESENT CASH VALUES guaranteed on Policies of $1,000 each, Tontine, Semi-Tontine and 
 Free Tontine Policies of Equitable, and Tontine and Non-forfeiting Limited Tontine 
 Policies of the New York Life, being the Reserve American Experience table of morsality 
 and four per cent, interest. 
 
 27 
 
 $133 91 
 
 139 85 
 
 146 07 
 
 152 55 
 
 159 32 
 
 166 37 
 
 173 71 
 
 181 33 
 
 189 24 
 
 197 43 
 
 205 87 
 
 214 55 
 
 223 47 
 
 232 61 
 
 241 97 
 
 251 52 
 
 261 26 
 
 271 16 
 
 281 20 
 
 291 37 
 
 301 66 
 
 312 02 
 
 322 46 
 
 332 95 
 
 343 48 
 
 354 05 
 
 364 61 
 
 375 14 
 
 385 63 
 
 396 01 
 
 406 28 
 
 416 39 
 
 426 34 
 
 436 18 
 
 445 98 
 
 455 88 
 
 $367 57 
 376 17 
 385 06 
 394 25 
 403 75 
 413 56 
 423 66 
 434 06 
 444 76 
 455 74 
 466 99 
 478 48 
 490 21 
 502 15 
 514 31 
 526 65 
 539 15 
 551 81 
 564 59 
 577 48 
 590 46 
 603 49 
 616 56 
 629 63 
 642 69 
 655 70 
 668 63 
 681 45 
 694 14 
 706 65 
 718 96 
 731 05 
 742 89 
 754 50 
 765 92 
 777 16 
 
 $274 66 
 
 $655 62 
 
 $196 87 
 
 281 52 
 
 655 50 
 
 205 34 
 
 288 61 
 
 655 37 
 
 214 12 
 
 295 92 
 
 655 24 
 
 223 22 
 
 303 47 
 
 655 10 
 
 232 63 
 
 311 24 
 
 654 96 
 
 242 33 
 
 319 24 
 
 654 82 
 
 252 30 
 
 327 45 
 
 654 66 
 
 262 54 
 
 335 87 
 
 654 51 
 
 273 04 
 
 344 49 
 
 654 35 • 
 
 283 78 
 
 353 28 
 
 654 18 
 
 294 75 
 
 362 21 
 
 653 99 
 
 305 93 
 
 371 28 
 
 653 77 
 
 317 30 
 
 380 46 
 
 653 53 
 
 328 85 
 
 389 73 
 
 653 25 
 
 340 57 
 
 399 07 
 
 652 93 
 
 352 42 
 
 408 46 
 
 652 57 
 
 364 40 
 
 417 86 
 
 652 14 
 
 376 45 
 
 427 25 
 
 651 66 
 
 388 57 
 
 436 61 
 
 651 09 
 
 400 73 
 
 445 90 
 
 650 45 
 
 412 91 
 
 455 09 
 
 649 71 
 
 425 04 
 
 464 14 
 
 648 87 
 
 437 13 
 
 473 04 
 
 647 92 
 
 449 13 
 
 481 75 
 
 646 86 
 
 461 00 
 
 490 25 
 
 645 70 
 
 472 73 
 
 498 49 
 
 644 41 
 
 484 29 
 
 506 45 
 
 643 01 
 
 495 66 
 
 514 10 
 
 641 46 
 
 506 88 
 
 521 37 
 
 639 76 
 
 518 04 
 
 528 25 
 
 637 88 
 
 529 23 
 
 534 67 
 
 
 540 55 
 
 540 60 
 
 
 552 11 
 
 546 03 
 
 
 563 95 
 
 551 01 
 
 
 576 13 
 
 555 60 
 
 
 588 70 
 
 $413 56 
 42; 66 
 434 06 
 444 76 
 455 74 
 466 99 
 478 48 
 490 21 
 502 15 
 514 31 
 526 65 
 539 15 
 551 81 
 564 59 
 577 48 
 590 46 
 603 49 
 616 56 
 629 63 
 642 69 
 655 70 
 668 63 
 681 45 
 694 14 
 706 65 
 718 96 
 731 05 
 742 89 
 754 50 
 765 92 
 777 16 
 788 26 
 799 26 
 810 14 
 820 91 
 831 55 
 
 NOIH!. — The reserve values in the New York Life on some of the above ages varies one 
 cent either larger or smaller than the figures given in table. 
 
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