***: . g. 3- •-:·-· · · · * * * * * · *~: • - (-) ~-§§ſae s.¿¿.*¿.*?) ***§§→*: ::™*: ***-#{}:&###########Ò、。、、、。、、。-§§§:ſſä، ~|-------~--~ |-··… • • •· ،§§§); ſae). 3.~--~:ſae§§§§§§ į.ſe șº ț¢·& ' ?w ••· ،·|- :§§§§§§• -¿?·§§§§§§ ·::^ <-'º-· ··ſººſ º!|-|-∞ √≠√∞.,§),ſae:ſaeſ-ſºț¢º¿¿.* ·،},، ، ، ، ، ،¿¿.*-gaeaeaeae:º 1” - ,→§¿}¿ ſº; ſaeſ? ¿¿: ·ģ!§§§§§§:šķ§§§¿,,…,§§###########§ķ§§: ſaei,§§§§§§§§§);§§·$$$$$$$$$$$$$$$$$$§§§§§§§¿################§§§§#ffaex; ſae;ſº ſº gaeaeae;};ķţšķ$$$$ķ¿º, raeģ |-ſaeiſae;$£§§§§§§·ſaeſſae¿§§§§ſ§§ ¶ ¡ ¿ſaeſºſº ·M¿ § ¶ ¡ ¿ †§§§§§§§§§§§¿،ș* * *, ſåğ ºğėſ¿.*¿¿.*¿¿.→·,§§§§ §§§§§$%$§$$$$$$$$$$$$$$ķķ;$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$§§§-§§§§ $$$$$$$$$$$$§§§§§§ſae§§§ſiºſº,·% (*)ſaeº.'); ſae·~§ ¶:!w- :~ §§§§§§§§¿ ·¿ %, ģ §§ |-、、§§§§§ §§§§§$$§§#¿§ iſºſaeģ:#· ſº§3ș ș***ſae §§§§§§¿}££{¿% ¿?, ,,.:… * * * * * * :-) --º--º--º----ſaeſſſſſſſſ!!!!!!$$$$$$ §§§§§§§■ ſeſſºs}}); º ... #:#| ??(.* ¿? §§§§ sº º º º: sae ſaei ſº: ) ſae, §§ *** * * ¿ ¿¿ $¢ £ € ¿ųſae ģF - º ș } sº º º £ € ~ſå),- §§§) ș.aecae::· ſºſ? ¿#;ț¢ºſiºſ:º.----: -t.*、、、、、、、、、。 º *...*;ſaei - f) : ،:::::::.*¿¿.* eae º: & … ? ſił, *, -ţ : * 3 *: **, *: : : : ? £ ae : *ſº : º gaelsae....………….~º: ….….….*.*) Ķiģgaegaes……….... ::::::::::¿¿¿.:- ،№. !! ) ■ §§§·####№ſſſſſſſſſſſſſſſſſſ:·§§§§§ º : * -->§§§§§**************&#######**** ſº: , ، ، ،·ſae §§§§§aeșķ ## șišķaeyja,ſae•· ~sae: , ….…、。 ſaeg§! ·- ·§§§§©®°¶ ----*( ### …ºffſ § ***** ∞ √3.3 ###########º 8: §§§§§ º „zae aejº º.aeſº; ſº × × × × ſae …:). ¿ }}′′; ∞∞∞§§ ×ș,· §ż šķ §§ *、、、、)|-· gae***************¿¿.* §ī£§! №: , ;ſaeae, ¿(…)ſae………………I. 、。、、。() * ¿º, * x ) : ;:|- ، PFESENTED TO TIE-IIH, T.I.E.ER, ALERTY OF THE \ i & !aceſ. f* 4.££1/12 ſ] - /?ſk...??&lſ....70°40. i \ i s i *t ; TABLES BASED ON THE AMERICAN TABLE OF MORTALITY AND THREE PER CENT, INTEREST, PUBLISHED BY THE CONNECTICUT MUTUAL LIFE INSURANCE COMPANY, OF HARTFORD, CONN. 1839 O. Entered according to Act of Congress, in the year 1890, by THE CONNECTICUT MUTUAL LIFE INSURANCE COMPANY., in the Office of the Librarian of Congress, at Washington. BIEE FA C E . In the year 1882, the Connecticut Mutual Life Insurance Company changed its assumptions as to mortality and interest for all policies to be thereafter written, from the Combined Experience Table of Mortality and four per cent. annual interest to the American Table and three per cent. At a special meeting of the directors of the Connecticut Mutual Life Insurance Company, held the 23d day of March in that year, it was voted : “That the reserves and net premiums upon all premium paying policies hereafter issued by this company, and upon all paid-up policies issued upon surrender of the same, be computed on the assumption of the rate of mortality shown by the American Experience Table, so called, and three per cent. annual interest.” The tables contained in this volume were prepared solely for the exe- cution of the directions contained in the foregoing vote, and are, therefore, in great part, limited to the forms of policies which have been in use by this company since the adoption of this standard. They are published at the present time for the reason that they have been so much in request by Actuaries as to lead to the belief that they may be, even in this limited form, a useful and not unwelcome contribution to the literature of life in- SUIT3D Cé. A comparison of the tables with those based upon the assumption of four per cent. annual interest will disclose to each company the practical problems involved in a change in its interest assumptions; which problems are neither few nor trifling. For doubtless, in some instances at least, so conservative a step as the assumption of three per cent. interest would have to be prepared for, or accompanied, by other measures of a very conservative character. The main commercial feature of the situation would be the considerable increase in premiums required by this change, if the same percentage of loading as is now commonly in use were retained. This feature was dealt with by the Connecticut Mutual by a reduction in the loading, giving, therefore, a much less margin for expenses than is provided by the four per cent. premiums in common use. When this change of assumption was made in 1882 by the Connecticut Mutual, most, if not all life underwriters in America regarded it as an ultra conservative step, unnecessarily taken in view of a situation which they believed would soon change in favor of higher interest rates; and some went so far as to criticize the locking up of a larger reserve, as an act of unnecessary harshness to policy-holders, although this criticism was partly disposed of by the greater value of the policy in case of an ante-mortem settlement, and by the greater surplus interest earned on a three per cent. basis. The true question at issue, however, is the necessity of the change, in view of the nature of a reserve and its function, and the length of time it may be exposed to financial contingencies, and of the prime fact that any change must be made long enough before the actual rate drops below the former assumed rate to allow the reserves and net premiums based on the old rate to earn their assumed interest without disturbance ; otherwis is it useless to change; insolvency is certain. Such a change is, necessarily, a matter of long prevision. When this change was made, a decline in the rate of interest upon desirable investments, whether in mortgage loans, government, state or municipal securities, or in railway securities of the better class, had been, for several years, in rapid progress. The decline had already become a very material one ; but the important question, of course, was as to the probable future. Our country, after recovering from the effects of the destructive civil war, the financial disturbance consequent upon it, and the liquidation following the inflation and speculation which covered a period of more than twelve years, had entered upon a course of development which was wholly unprecedented. We were receiving an enormous influx of population which was added at once to our industrial forces. We were producing wealth upon a scale never before conceived, and faster than it could find satisfactory legitimate use in the enterprises which had produced it ; and it was pressing for other investment. Our financial relations with the old world had so improved that the rate of interest in each country had become sensitive to changes in that of the other, and the rate in this country was rapidly tending to approximate that of foreign centers. A consideration of the character, extent, and relations of the causes which were actively operating and had already produced so marked a change, led us to the conclusion that, until they were interrupted, their effect in a continuous fall in the rate of interest must continue. So long as the world remained at peace, we could see nothing likely to interrupt the operation of these causes, except the ordinary financial fluctuations growing out of speculation and liquidation, which occur with considerable regularity in commercial history, but which, however severe for the time, are, after all, mere incidents, and not the determining causes of the great current of that history. It seemed but reasonable to anticipate that the great natural resources of this country, continuously developed by its ever increasing energy and intelligence, and offering attractive fields to foreign enterprise and capital, must, on the whole, produce wealth so rapidly as to cause a generally steady, if slow, decline in the rate of interest. The first question resulting from this conclusion was as to the probable length of time that this company could safely count upon earning four per cent. annual interest upon its entire body of investments. The investments of a life insurance company should be of such a choice character as to secure very favorable consideration in the rate of interest which they must pay for the use of money. The American Table of Mortality assumes that no life will extend beyond its 96th year. We insure persons at the age of 20 years for the whole term of life. We do not issue new policies upon persons over 65 years of age. In making our calculations we must assume that each particular contract may, and act as if we were certain that it would run its entire possible term ; that is, insuring a man 20 years old, we must provide for earning at least a certain rate of interest for 76 years. For a man 65 years old we must provide for earning it 31 years; and so for each period included between the two. The question, then, for us was, had we such reasonable cer- tainty of earning four per cent. for 76 years, or even for 31 years on all our assets taken together, assuming them to be of the proper character, that we were warranted in making a solemn contract upon that basis 2 We could not feel that the probability of earning that rate, for that period, was sufficient to warrant us in staking the solvency of this company, and the integrity of the provision men are asked to make here for the future of their families, upon the realization of that rate. The experience of the last eight years has but confirmed that judgment. In considering the question of a safe rate to assume, after giving such weight as we were then able to do to the consideration of the causes operating to produce a decline in the rate of interest, the probability of a further review of the question in the perhaps not very distant future, and the difficulties incident to a frequent change of assumption, it was thought best to assume a rate which, so far as could then be judged, would be, for a long time, considered entirely conservative. We consequently adopted three per cent. as upon the whole the proper assumption. In this action the Connecticut Mutual still stands alone among Ameri- can companies. Responsible criticism of its action has, however, nearly if not quite ceased. The causes which were operating in 1882 have been in continuous action ever since, with progressive results. The rate of interest upon every item that should enter into the assets of a life insurance company, is distinctly lower than it was in 1882. The causes which have produced that further decline are still in full operation, and there is no present apparent condition of affairs likely to permanently interrupt their further and indefinite progress. There is nothing yet in sight to change the current, or to affect it further than by a mere ripple on its surface. If the question of earning four per cent. interest for a period of 30 to 75 years was at all a doubtful one eight years ago, it has, by every event which has occurred during that period, become a still more doubtful one to-day. The degree of its probability has most decidedly changed, and not for the better. The various speculative and semi-investment policies now being so ex- tensively urged upon the public, do, by postponing all dividends for many years, and by allowing the companies issuing them unrestricted control and use of the surplus all the while accumulating, afford to these compa- nies some practical protection against the future contingencies of the inter- est rate ; but only a limited and partial protection both as to amount and as to time. When the public has learned that it cannot afford to pay life insurance expenses in order to use life insurance companies either for speculations or as Savings banks, but can afford to pay them only for family protection, and because so great and immediate protection can be got in no other way, the interest assumption will assume its true importance, and may assume a magnitude and a gravity proportioned to the delay in facing it. President. HARTFORD, September 1, 1890. NOT E. The following tables were computed for office use. They were not computed with that regard for extreme and, for practical purposes, un- necessary accuracy which professional pride might perhaps have dictated had they been prepared with a view to publication. It is hoped, however, that they will be found reasonably accurate and free from crrors. In such a mass of figures typographical errors are almost unavoidable. It will be considered a favor if any errors found are called to my attention. The computations were made upon the usual assumption, that death claims are payable at the end of the policy year in which death occurs. The work was done by the aid of the arithmométre, and by formulae adapted to its use, and permitting of ready verification of results. Ac- knowledgment is due to Mr. Charles Hildebrand, Assistant Actuary of the Company, for the deducing of some of the formulae used, and the oversight of a considerable part of the Work. D. H. WELLS, Actuary. AMERICAN TABLE OF MORTALITY. d so !e de “a 6a, AGE le 100,000 749 .007.490 48.72 1O 99,251 746 .007516 48.08 11 98,505 743 .007543 47.45 12 97,762 740 .007569 46.80 13 97,022 737 .007596 46. 16 14 96,285 735 .007634 45.50 15 95,550 732 .007661 44.85 16 94,818 729 .007688 44.19 17 94,089 727 .007727 43. 53 18 93,362 725 .007'765 42.87 19 92,637 723 .007805 42.20 2O 91,914 722 .007855 41. 53 21 91,192 721 .007906 40.85 22 90,471 720 .007958 40.17 23 89,751 719 .008011 39.49 24 89,032 718 .008065 38.81 25 88,314 718 .008130 38.12 26 87,596 718 .008197 37.43 27 86,878 718 .008264 36.73 28 86,160 719 .008345 36.03 29 85,441 720 .0084.27 35.33 3O 84,721 721 .008510 34.63 31 84,000 723 .008607 33.92 32 83,277 726 . 008718 33.21 33 82,551 729 .008831 32.50 34. 81,822 732 .008946 31.78 35 81,090 737 .009089 31.07 36 80, 353 742 .009234 30.35 37 79,611 749 .009408 29.62 38 78,862 756 .009586 28.90 39 78,106 765 .0097.94 28.18 4.0 77,341 774 . 010008 27.45 4.1 76,567 785 .010252 26.72 42 75,782 797 .010517 26.00 43 74,985 812 .010829 25.27 44 74,173 828 .01.1163 24.54 4.5 73,345 848 .01.1562 23.81 4-6 72,497 870 .01.2000 23.08 4-7 71,627 896 .012509 22.36 48 70,731 927 .018106 21.63 4-9 69,804 962 .013781 20.91 5O 68,842 1,001 .014541 20.20 51 67,841 1,044 .015389 19.49 52 66,797 1,091 . .016333 18.79 53 65,706 1,143 .017396 18.09 54 AMERICAN TABLE OF MORTALITY. d AGE. le de QC ér AGE le 55 64,563 1,199 .018571 17.40 55 56 63,364 1,260 .019885 16.72 56 57 62,104 1,325 .02.1335 16.05 37 58 60,779 1,394 .022936 15.39 53 59 59,385 1,468 .024.720 14.74 59 GO 57,917 1,546 .026693 14.10 6O 61 56,371 1,628 .028880 13.47 61 62 54,743 1,713 .()31292 12.86 62 63 53,030 1,800 .033943 12.26 63 64. 51,230 1,889 .036873 11.67 64. 65 49,341 1,980 .04.0129 11.10 65 66 47,361 2,070 .043707 10.54 66 67 45,291 2,158 .047647 10.00 67 ($ 43,133 2,243 .052002 9.47 68 69 40,890 2,321 .056762 8.97 69 7 O 38,569 2,391 .061993 8.48 7 O 71 36,178 2,448 .067665 8.00 7 | 72 33,730 2,487 .073733 7.55 72 73 31,243 2,505 .0801.78 '7.11 73 74. 28,738 2,501 .087 ()2S 6.68 74. 75 26,237 2,476 ,094.374 6.27 75 76 23,761 2,431 ... 102311 5.88 76 77 21,330 2,369 ..111064 5.49 77 78 18,961 2,291 .120827 5.11 78 79 16,670 2,196 .131734 4.74 79 SO 14,474 2,091 .144466 4.39 8O $1 12,383 1,964 .158605 4.05 $1 82 10,419 1,816 .174297 3.71 S2 $: 8,603 1,648 .191561 3.39 83 84. 6,955 1,470 .211359 3.08 84. 85 5,485 1,292 .235552 2.77 85 SG 4, 193 1,114 .265681 2.47 S6 $7 3,079 933 .303020 2.18 87 88 2,146 744 .346692 1.91 88 $9 1,402 555 .395863 1.66 S9 90 847 385 .454545 1.42 9 O 91 462 246 .532468 1.19 91 92 216 137 .634259 .98 92 9: 79 5 .734.177 .80 93 94. 21 18 .857.143 .64 94. 95 3 3 1.000000 .50 95 1O COMMUTATION COLUMNS. AGE C. M. Log C. AGE. 2O 38.86481 1697. 40765 1.5895566 2O 21 37.68064 1658.54284 1.5761183 21 22 36.53248 1620.86220 1.5626791 22 23 35.4.1923 15S4.32972 1.5492391 23 24. 34.33984 1548.91049 1.5357983 24 25 33.29328 1514.57005 1.5223566 25 26 32.32357 1481.2773 1.5095193 26 27 31.38211 1448.95380 1.4966821 27 28 30.46S07 1417. 57169 1.4838449 2S 29 29.62.185 1387.10362 1.4716122 29 3O 28.7990.7 1357.48177 1.4593785 3O 31 27.99910 1328.68270 1.4471441 31 32 27.25900 1300.68360 1.4355099 32 33 26.574S6 1273.42460 1.424.4710 33 34 25.90745 1246.84974 1.4.134246 34 35 25.25637 1220.94.229 1.4023710 35 36 24.68824 1195.68592 1.3924902 3 37 24.13178 1170.99768 1. 38.25894 37 38 23.64994 1146.86590 1.3738300 38 39 23.17570 1123.21596 1.3650328 39 4-O 22.76854 1100,04026 1.3573352 4-0 41 22.36545 1077.27172 1.3495776 41 4-2 22.02262 1054.90627 1.3428690 42 43 21.70803 1032.88365 1.3366204 43 44 21.47242 101.1.17562 1.3318809 44 4-5 21.25778 989.70320 1.3275180 45 4-6 21.13715 968.44542 1.3250463 46 4-7 21.05390 947.30827 1.3233325 4.7 48 21.05155 926.25437 1.3232840 48 4-9 21.14553 905.20282 1.3252.185 49 5O 21.30476 884.05729 1.3284.766 5O 51 21.52278 862.75.253 1.3328984 51 52 21.79353 841.22975 1.3383276 52 53 22.11132 819.43622 1.3446147 53 54 22.49048 797.32490 1.3519988 54 55 22.90523 774.83442 1.3599346 55 56 23.36946 751.92919 1.3686487 56 57 23.85926 728.55973 1.3776569 57 58 24.37062 704. 70047 1.386.8665 58 59 24.91682 680.32985 1.3964926 59 11 COMMUTATION COLUMNS. AGE C. M. Log Cº. AGE 6O 25.47644 655.41303 1.4061388 60 61 26.04633 629.93659 1.4157465 61 62 26.60800 603.890.26 1.4250122 62 63 27.14502 577.28226 1.4336901 63 64. 27.65746 550.13724 1.4418124 64. 65 28.14546 522.47978 1.4494084 65 66 28.56776 494.334.32 1.4558762 66 67 28.91479 465.76656 1.461120.1 67 68 29.17886 436.85.177 1.4650608 68 69 29.31361 407.67341 1.4670694 69 7O 29.31815 378.35.980 1.4671366 7O 71 29.14279 349.04.165 1.4645312 71 72 28.74474 319.89886 1.4585584 72 73 28.10950 291. 15412 1.4488531 73 74. 27.24720 263.04462 1.4353218 74. 75 26.18916 235.79742 1.4181215 75 76 24.964.26 209.60826 1.3978187 76 77 23.61901 184.64400 1.3732616 77 78 22.17606 161.02499 1.3458843 78 79 20.63737 138.84893 1.3146543 79 SO 19.07826 118.21156 1.2805888 SO 81 17.397.59 99.13330 1.240.4891 81 82 15.61803 81.73571 1.1936.261 82 83 13.76038 66.11768 1.1386303 83 84. 11.91662 52.35730 1.0761532 84. 85 10.16860 40.44068 1.0072612 85 $6 8.512296 30.272079 0.9300467 86 87 (3.921589 21,759.783 0.8402058 87 88 5.358706 * 14.838.194 0.7290599 88 89 3.880993 9.479488 0.5889428 89 90 2.613805 5.598495 0.4172733 90 91 1.621475 2.984690 0.2099.104 91 92 .876715 1.363215 1.9428587 92 93 .360354 .486499 1.5567.289 93 94. .108577 . 1261.46 1.0357362 94. 95 .017.569 .017569 2.2447477 95 12 COMMUTATION COLUMNS. AGE Dr Nº. Log Dr. AGE 20 5129,086 117820.961 3.7100400 2O 21 4940.831 112691.875 3.6938000 21 22 4759.242 107751.044 3.67.75378 22 23 4584.091 102991.802 3.66.12532 23 24. 44.15.155 98.407.711 3.6449459 24 25 4252.218 93.992.556 3.6286155 25 26 4095.075 897.40.338 3.6122618 26 27 3943.476 85645.263 3.5958792 27 2S 3797.235 81701.787 3.5794675 28 29 3656.169 77904. 552 3.5630262 29 30 3520.056 74248.383 3.5465496 3O 31 3388.731 70728.327 3.5300371 31 32 3262.031 67339.596 3.5134881 32 33 3139,762 64077.565 3.4968967 33 34 3021.737 60937.803 3.4802567 34 35 2.907.818 57916.066 3.4635672 35 36 2797.868 55008.248 3.4468272 36 37 2691.688 52210.380 3.4300248 37 38 2589.158 49518.692 3.4131586 38 39 2490.095 46929.534 3.396.2160 39 4-O 2394.393 44439.439 3.3791954 40 41 2301.884 42045.046 3.3620836 41 4-2 2212.474 39743.162 3.34487.82 42 43 2126.010 3.7530. 688 3.327.5654 43 44 2042.380 35404.678 3.3101365 44 4-5 1961.420 33362.298 3.2925.707 45 4-6 1883.034 ...~31400.878 3.2748582 46 4-7 1807.051 29517.844 3.2569704 4.7 48 1733.365 27710.793. 3.2388900 48 49 1661.827 25977,428 3.2205858 49 50 1592.279 24315.601 3.2020.191 5O 51 1524.597 22723.322 3.1831550 51 52 1458.668 21198.725 3.1639565 52 53 1394.389 19740.057 3.1443841 53 54- 1331.665 18345.668 3.1243949 54 55 1270.388 17014.003 3.1089363 55 56 1210.481 15743.615 3.08.29580 56 57 1151.855 14533.134 3.0613978 57 58 1094.447 13381,279 3.0391946 58 59 1038.199 12286.832 3.0162805 59 13 COMMUTATION COLUMNS. AGE De N. Log D, AGE 60 983.0432 11248.6331 2.99257.26 60 61 928.9343 10265.5899 2.96.798.50 61 62 875.83.18 336.6556 2.9424207 62 63 823.7140 8460.8238 2.9157764 63 64. 772.5774 7637.1098 2.8879420 64. 65 722.4.175 6864. 5324 2.8587883 65 66 673.2309 6142.1149 2.828.1641 66 67 625.0543 5468.8840 2.79591.78 67 68 577.9342 4843.8297 2.7618784 68 69 531.9228 4265.8955 2.7258486 69 7 O 487.1163 3733.9727 2.6876327 7 O 71 443.6103 3246.8564 2.6470016 71 72 401.5468 2803.2461 2.6037.361 72 73 361.1065 2401.6993 2.5576353 73 74. 322.4793 2040.5928 2.50S5019 74. 75 285.8395 1718. 1135 2.4561.223 75 76 251.3249 1432.2740 2.4002356 76 77 219,0406 1180.9491 2.3405246 77 78 189.04.17 961.9085 2.2765577 78 79 161.3596 772.8668 2.2077948 79 SO 136.0224 611.5072 2.1336106 8O S1 112.9824 475.4848 2.0530107 81 82 92.29402 362.50237 1.965.1736 82 83 73.98781 270.20835 1.8691.602 83 84. 58.07.245 196.22054 1.7639702 84. 85 44.46441 138.14809 1.6480.125 85 86 33.00078 93.68368 1.518.5236 36 87 23.52725 60.68295 1.37.15712 87 88 15.92040 37.15570 1.2019539 83 89 10.09799 21.23530 1.0042350 89 90 5.922.884 11.137306 0.7725332 90 91 3.136567 5.214422 0.4964.546 91 92 1.423735 2.07785.5 0.1534291 92 93 .505551 .654120 1.7037652 93 94. . 130473 .148569 1.1155202 94. 95 .018096 .018036 2.2575850 95 14 ANNUITIES IMMEDIATE. ETO R. THE TEERIM OIET YEALF.S STATECID. AGE AGE 22 & -- 945.83 897.46 38 946.69 899.08 855.94 37 947.50 900.61 858.12 819.07 36 35 948.26 902.05 860.17 821.69 785.87 35 34. 903.41 862.11 824.16 788.84 755.60 34. 33 863.94 826.49 791.64 758.84 '727.69 33 32 828.69 794.28 761.90 731.15 701.71 32 31 796.79 764.80 734.42 705.34 677.32 31 3O 767.54 737.52 708.77 681.08 654.26 3O 29 740.45 712.03 684.64 658.13 632.33 29 28 715.12 688.03 661.79 636.28 611.38 28 27 691.24 665.27 640.02 615.38 591.28 27 26 668.57 643.57 619.17 595.31 571.92 26 25 646.95 622.78 599.15 575.98 553.24 25 24. 626.21 602.79 579.84 557.30 535. 16 24. 23 606.26 583.51 561.17 539.22 517.63 23 22 587.00 564.85 543.08 521.68 500.63 22 21 568.36 546.77 525.54 504.66 484.13 21 2O 550.28 529.22 508. 51 488.13 468.09 2O 39 33 37 3G 35 136 ANNUAL PREMIU M ENDOWMENT POLICIES. Payable at the Age of Eighty Years, or at Death if Prior. Age Air Ner | RESERVES AT END OF YEARS STATED. Agn AT ISSUE. PREMIUM. l 2 & 4 = ISSUE. 2O 14.634 7.33 14.88 22.67 30.71 2O 21 14.957 7.61 15.46 23.56 31.91 21 22 15.295 7.91 16.07 24.49 33.18 22 23 15. 649 8.23 16.71 25.47 34.51 23 24 | 16.020 8.56 17.39 26.50 35.89 24- 25 16.410 8.91 18.10 27.57 37.84 25 26 16.819 9.27 18.83 28.69 38.85 26 27 17,249 9.65 19.60 29.86 40.44 27 28 17.701 10.05 20.41 31.09 42.10 28 29 18.176 10.46 21.25 32.38 43.84 29 30 18.677 10.90 22, 14 33.73 45.66 3O 31 19.204 11.37 23.08 35.14 47.56 31 32 19.759 11.85 24.05 36.61 49.56 32 33 20.345 12.35 25.06 38.16 51.65 33 34. 20.964 12.88 26.14 39.79 53.84 34. 35 21.617 13.44 27.27 41.50 56.13 35 36 22.308 14.02 28.44 43.27 58.52 36 37 23.039 14.63 29.67 45.14 61.03 37 38 23.814 15.26 30.96 47.08 63.65 38 39 24,635 15.94 32.31 49.14 66.42 39 40 25.505 16.64 33.74 51.29 69.32 40 4-1 26.430 17.39 35.24 53.57 72.35 41 4-2 27.413 18.17 36.82 55.94 75.53 42 43 28.459 19.00 38.47 58.42 78.84 43 44 29. 574 19.85 40.19 61.00 82.28 44 4-5 30.763 20.75 41.99 63.70 85.86 45 4-6 32,032 21.68 43.85 66.48 89.54 46 4-7 33.388 22.66 45.79 69.36 93.34 4.7 48 34.837 23.67 47.78 72.31 97.24 48 4-9 36.388 24.70 49.82 75.35 101.26 49 50 38.047 25.76 51.94 '78.50 105.44 50 51 39.823 26.87 54.14 81.78 109.77 51 52 41,727 28.02 56.43 85.19 114.27 52 53 43.769 29.23 58.81 88.74 118.96 53 54 45.964 30.48 61.30 92.44 123.86 54. 55 48.325 31.79 63.91 96.32 129.01 55 56 50.868 33.17 66.64 100.41 134.41 56 57 53.612 34.62 69.54 104.72 140.13 57 58 56.580 36.17 72.61 109.29 146.19 58 59 59.796 37.80 '75.86 114.14 152.64 59 6O 63.290 39.55 79.34 119.35 159.59 60 61 67.096 41.43 83.08 124.98 167.13 61 62 71.254 43.46 87.17 131.14 175.37 62 63 75.815 45.70 91.66 137.91 184.49 63 64. 80.840 48.17 96.63 145.44 194.70 64 65 86,405 50.91 102.19 153.95 206.29 65 66 92.602 54.03 108.56 163.71 219.71 66 67 99.555 57.64 115.94 175.14 235.54 67 68 107.426 61.86 124.68 188.78 254.66 68 69 116.431 66.96 135,29 205.51 278.40 69 7 O 126.878 78.23 148.49 226.61 308.66 7 O 137 ANNUAL PREMIUM ENDOWMENT FOLICIES. Payable at the Age of Eighty Years, or at Death if Prior. AGE AT RESERVES AT END OF YEARS STATED. AGE AT ISSUE. 5 G 7. &B 9 ISSUE. 2O 39.01 47.57 56.40 65.50 74.89 2O 21 40.54 49.43 58.61 68.07 77.82 21 22 42.14 51.39 60.92 '70.75 80.88 22 23 43.82 53.43 63.34 73.55 84.08 23 24. 45.58 55.57 65.87 76.48 87.42 24 25 47.42 57.80 68.51 79.55 90.91 25 26 49.33 60.14 71.27 82.74 94.55 26 27 51.34 62.58 74.16 86.08 98.36 27 28 53.45 65. 14 77.17 89.57 102.34 28 29 55.64 67.80 80.33 93.22 106.49 29 30 57.95 70.61 83.63 97.04 110.82 30 31 60.36 73.53 87.09 101.02 115.35 31 32 62.88 76.59 90.69 105.18 120.07 32 33 65.52 79.78 94.45 109.52 125.01 33 34 68.28 83.13 98.39 114,07 130.17 34 35 71.18 86.63 102.51 118.82 135.56 35 36 74.19 90.29 106.82 123.78 141.17 36 37 77.36 94.12 111.33 128.96 147.04 37 38 80.67 98.13 116.03 134.38 153.15 38 39 84.15 102.33 120.96 140.02 159.51 39 4-O 87.79 106.72 126.09 145.89 166.11 4.O 4.1 91.61 111.30 131.44 152.00 172.94 4-1 42 95.57 116.07 136.99 158.31 79.99 4-2 43 99.71 121.02 142.73 164.82 187.25 4-3 44 104.00 126.13 148.64 171.52 194.73 44 45 108.44 131.40 154.74 178.43 202.44 4-5 46 112.99 136.83 161.01 185.53 210.36 4-6 4.7 117.70 142.42 167.48 192.86 218.52 4.7 48 122.53 148.18 174.14 200.40 226.92 4-8 4-9 127.53 154.12 181.01 208.18 235.59 4-9 50 132.70 160.27 188.13 216.24 244.59 50 51 138.07 166.66 195.51 224.61 253.93 51 52 143.65 173.30 203.20 233.33 263.65 52 53 149.47 180.23 211.22 242.42 273.80 53 54 155.55 187.48 219.61 251.94 284.45 54 55 161.93 195.08 228.42 261.96 295.68 55 56 168.65 203.09 237.72 272.56 307.59 56 57 175.75 211.57 247.60 283.84 320.30 57 58 183.29 220.61 258.15 295.92 333.97 58 59 191.36 230.31 269.50 308.97 348.80 59 60 200.07 240.80 281.82 323.22 365.09 GO 61 209.53 252.25 295.35 338.94 383.21 61 62 219.93 264.90 310.37 356.55 403.67 62 63 231.50 279.04 327.32 376.58 427.21 63 64. 244.52 295.11 346.73 399.78 454.84 64. 65 259.44 313.67 369.40 427.25 488.02 65 66 276.85 335.58 396.53 460.55 528.74 66 67 297.63 362.06 429.74 501.82 579.76 67 68 323.04 394.86 471.35 554.05 645.00 68 69 354.95 436.49 524.64 621.59 736.20 6 7O 396.04 490.53 594.44 710.84 844.00 7 O 138 Payable at the Age of Eighty Years, or at Death if Prior. ANNUAL PREMIUM ENDOWMENT FOLICIES. AGE AT ISSUE. 2O 21 22 23 24 RESERVES AT END OF YEARS STATED. AGE AT I LO III. I2 13 Il-4- ISSUE. 84.57 94.55 104.85 115.45 126.37 2O 87.87 98.24 108.92 119.92 131.25 21 91.32 102.09 113.17 124.59 136.36 22 94.93 106.10 117.61 129.47 141.67 23 98.69 110.30 122.25 134.56 147.22 24. 102.62 114.68 127.08 139.86 152.99 25 106.72 119.24 132.12 145.37 158.99 26 111.00 124.00 137.38 151.13 165.25 27 115.47 128.97 142.86 157.12 171,77 28 120.13 134.15 148.56 163.37 178.57 29 125.00 139.56 154.52 169.88 185.65 3O 130.07 145.20 160.73 176.67 193.01 31 135.37 151.08 167.21 183.74 200.68 32 140.90 157.22 173.95 191.09 208.63 33 146.69 163.63 180.98 198.74 216.90 34 152.72 170.30 188.29 206.68 225.46 35 159.00 177.23 195.88 214.91 234.30 36 165.54 184.45 203.75 223.42 243.42 37 172.34 191.93 211.88 232.19 252.82 38 179.40 199.67 220.29 241.24 262.50 39 186.70 207.66 228.94 250.55 272.45 40 194.25 215.90 237.87 260.14 282.69 41 202.02 224.38 247.05 270.00 293.21 42 210.03 233.12 256.49 280.13 304.01 43 218.27 242.09 266.19 290.53 315.09 44- 226.75 251.33 276.16 301.23 326.50 45 235.46 260.82 286.41 312.23 338.23 46 244.44 270.60 296.98 323.56 350.31 4.7 253.69 280.68 307.88 335.25 362.79 4.8 263.24 291.10 3.19.13 347.34 375.70 49 273.15 301.89 330.81 359.90 389.15 50 283.43 313.12 342.97 372.99 403.19 51 2.94.15 324.83 355.68 386.72 417.94 52 305.36 337.11 369.04 401.16 433.52 53 317.15 350.04 383.13 416.46 450.10 54- 329.61 363.74 398.12 432.81 467.90 55 342.85 378.35 4.14.19 450.43 487.23 56 357,03 394.09 431.57 469.64 508.48 57 372.36 411.19 450.62 490.85 532.20 58 389.09 430.00 471.74 514.64 559.17 59 40.7.60 450.98 495.57 541.84 590.45 60 428.38 474.80 522.98 573.59 627.48 61 452.10 502.36 555.16 611.39 672.18 62 479.75 534.95 593.73 657.29 727.18 63 512.68 574.27 640.88 714.12 796.17 64- 552.73 622.70 699.65 785,86 884.47 65 602.46 683.54 774.37 878.27 66 665.47 761.48 871.32 67 746.89 863.45 68 854.44 69 Payable at the Age of Eighty Years, or at Death if Prior. | ANNUAL FREMIUM ENDOWMENT FOLICIES. AGE AT RESERVES AT END OF YEARS STATED. AGE AT ISSUE. | Is Il G Lºz lº IL3 2 o' | ISSUE. 2O | 137.62 || 149.21 | 161.13 || 173.41 | 186.02 | 199.00 | 20 21 | 1.42.93 154.94 | 167.31 | 180.02 || 193.09 | 206.51 21 22 || 148.46 | 160.92 || 173.73 | 186.90 | 200.43 214.33 22 23 154.23 167.14 | 180.42 | 194.05 | 208,07 || 222.46 23 24. 160.23 173.62 | 187.37 201.50 | 216.01 || 230.90 24. 25 | 166.49 180.36 194.61 209.24 224.26 || 239.66 25 26 172.99 187.37 202.13 || 217.29 232.82 | 248.75 26 27 179.77 194.67 209.97 225.65 241.72 258.16 27 28 186.82 202.27 218.10 || 234.33 250.93 267.91 28 29 || 194.17 | 210.16 || 226.56 || 243.33 260.47 277.98 || 29 3O 201.81 218.38 || 235.33 || 252.65 270.34 288.36 30 31 209.76 226.90 244.42 262.30 280.52 299.05 || 31 32 218.01 || 235.73 253.82 272.25 | 291.00 || 310.05 || 32 33 226.57 244.87 263.52 282.50 301.77 || 321.34 || 33 34 || 235.43 254.32 273.53 293.05 || 312.86 || 332.94 || 34. 35 | 244.59 264.05 || 283.82 303.89 324.24 || 344.83 35 36 || 254.03 274.07 || 294.41 || 315.03 || 335.91 || 357.02 || 36 37 263.75 284.38 305.30 326.47 347.88 || 369.51 37 38 273.75 294.98 || 316.47 338.20 | 360.15 382.30 38 39 284.05 || 305.87 | 327.94 | 350.23 372.73 || 395.42 | 39 4-O 294.63 || 3:17.05 || 339.71 || 362.57 | 385.63 | 408.85 4-0 4.1 305.50 | 328.53 || 351,78 375.23 398.85 422.63 || 4-1 4-2 || 316.65 340.31 || 364.17 | 388.21 || 412.41 || 436.75 || 4-2 43 328.10 || 352.41 || 376.89 401.53 426.33 451.26 4-3 44 || 339.87 | 364.82 | 389.95 || 415.22 440.63 || 466.19 44. 45 || 351.96 || 377.59 | 403.38 429.30 || 455.38 || 481.62 || 4-5 46 || 364.40 390.73 || 417.21 443.84 || 470.63 497.58 || 4-6 47 377.23 404.29 || 431.52 || 458.90 486.45 514.20 || 4-7 48 || 390.48 || 418.33 || 446.35 | 474.54 || 502.93 531.58 || 48 49 404.23 432.93 || 461.80 490.88 520.23 549.91 49 50 || 418.57 448.17 477.99 || 508.08 || 538.51 569.41 5O 51 || 433.58 || 464.19 || 495.07 || 526.31 || 558.03 || 590.39 || 51 52 449.39 || 481.13 || 513.23 545.82 579.08 || 613.27 | 52 53 466.17 | 499.20 532.73 || 566.95 602.12 || 638.62 53 54 || 484.12 || 518.66 || 553.91 || 590.14 || 627.74 | 667.23 54. 55 503.53 || 539.89 577.25 | 616.04 || 656.77 700.15 55 56 524.78 563.37 603.43 645.50 | 690.31 || 738.76 56 57 548.39 589.82 633.34 || 679.68 || 729.80 || 784.90 57 58 575.11 || 620.19 | 668.20 | 720.10 || 777.19 | 841.14 58 59 605.93 655.74 || 709.60 768.83 835.18 911.08 59 60 642.22 698.19 || 759.74 828.70 || 907.5S 61 | 685.76 || 749.85 821.65 903.78 |_ 62 | 739.04 || 813.94 | 899.62 |_|T| 955.58 22 63 805.49 895.06 955.92 918.29 21 64. 890.03 956.24 918.89 886.24 2O 59 53B 57 140 ANNUAL PREMIUM ENDOWMENT FOLICIES. Payable at the Age of Eighty Years, or at Death if Prior. RESERVES AT END OF YEARS STATE D. AGE AT AGE AT ISSUE. 2I L 22 233 24- 25 2G ISSUE. 2O 212.33 226.02 240.09 254.52 269.32 284.48 2O 21 220.31 234.48 249.02 263.93 279.20 2.94.83 21 22 228.61 243.26 258.28 273.68 289.42 305.53 22 23 237.23 252.87 267.88 283.76 299.99 316. 56 23 24. 246.17 261.81 277.82 2.94.18 310.89 327.91 24 25 255.44 271.58 288.09 304.94 322.11 339.57 25 26 265.04 281.69 298.69 316.01 333.63 351.54 26 27 274.97 292.13 309.61 327.40 345.47 363.81 27 28 285.23 302.89 320.85 339.09 357.61 376. 39 28 29 295.81 313.95 332.38 351.09 370.06 389.26 29 30 306.70 325.32 344.23 363.40 382.80 402.42 3O 31 317.89 337.00 356.38 375.99 395.83 415.87 31 32 329.38 348.98 368.82 388.89 409. 16 429.62 32 33 341.17 361.25 381.56 402.07 422.78 443.66 33 34 353.27 373.83 394.60 415.56 436.70 458.00 34 35 365.66 386.70 407.94 429.35 450.93 472.64 35 36 378.35 399.87 421.58 443.45 465.46 487.60 36 37 391.34 413.36 435.54 457.86 480.32 502.90 37 38 404.65 427.15 449.81 472.60 495.52 518.58 38 39 418.28 44.1.28 464.43 487.70 511.11 534.66 39 40 432.23 455.75 479.41 503.19 527. 12 551.20 4-O 41 446.54 470.60 494.79 519.12 543.61 568.27 41 42 461.23 485.85 510.61 535.53 560.63 585.95 42 43 476.33 501.56 526.93 552.50 578.29 604.38 43 44 491.91 517.77 543.83 570.12 596.72 623.72 44 45 508.01 534.59 561.42 588.55 616.10 644.22 45 46 524.73 552.12 579.83 607.97 636.68 666.18 46 4-7 542.20 570.52 599.28 628.62 658.78 690.09 4.7 4-8 560.56 589.99 620.01 650.87 682.90 716.54 48 4-9 580.05 610.80 642.41 675.21 709.67 746.37 49 50 600.95 633.35 666.99 702.32 739.94 780.63 50 51 623.66 658.18 694.45 733.07 774.83 820.75 51 52 648.74 686.01 725.70 768.61 815.80 868.67 52 53 676.96 "Y17.79 761.94 810.49 864.88 927.10 53 54 709.29 754.77 804.79 860.81 924.91 jº, '747.06 798.65 856.44 922.55 56 792.04 851.73 920.01 953.17 28 57 846.64 917.26 953.62 914.04 27 58 914.29 954.05 914.84 880. 55 26 954.46 915.60 881.62 851.29 25 954.85 916.32 882.63 852.56 825.22 24. 23 955.22 917.01 883,60 853.78 826.66 801.58 23 22 917.66 884.52 854.93 828.03 803.15 779.78 22 21 885.40 856.04 829.34 804.64 781.46 759.38 21 2O 857.09 830.59 806.07 783.06 761.15 740.04 2O 5.G 55 54 - 53 52 51 141 Payable at the Age of Eighty Years, or at Death if Prior. ANNUAL PREMIUM ENDOWMENT FOLICIES. 719.49 699.36 79.54 659.94 640.51 621.23 AGE AT RESERVES AT END OF YEARS STATE D. AGE AT ISSUE. 27 235 29 36O 31. as a ISSUE. 20 300.00 315.86 || 332.05 || 348.55 365.33 382.38 20 21 310.81 || 327.12 || 343.74 || 360.65 || 377.83 395.26 21 22 || 321.96 || 338.71 355.75 373.06 || 390.62 | 408.43 22 23 || 333.44 || 350.61 368.06 || 385.76 | 403.72 421.89 || 23 24. 345.22 || 362.82 380.67 398.77 || 417.10 || 435.63 24- 25 | 357.32 || 375.32 393.58 || 412.06 || 430.76 || 449.64 25 26 369.71 388.13 | 406.78 425.64 444.69 463.92 || 26 27 | 382.41 401.23 420.27 439.49 || 458.90 478.47 27 28 395.39 || 414.62 434.03 453.63 || 473.39 493.30 28 29 | 408.67 || 428.29 448.08 468.05 || 488.16 508.40 29 3O || 422.24 442.25 462.42 || 482.74 503.20 523.78 3O 31 436. 10 || 456.50 477.04 497.73 || 518.53 539.46 || 31 32 450.25 || 471.03 || 491.95 || 513.00 || 534.16 || 555.45 || 32 33 464.69 || 485.86 507.16 528.58 550.12 571.79 || 33 34 479.43 || 501.00 522.68 544.50 || 566.44 588.51 34. 35 494.49 || 516.46 538.56 560.78 583.14 || 605.67 35 36 509.87 532.27 | 554.80 577.46 600.30 623.34 36 37 525.62 548.47 571.46 594.61 | 617.98 || 641.61 37 38 541.77 565.09 || 588.59 612.31 636.29 | 660.65 38 3$ 558.35 | 582.22 || 606.30 630.66 655.39 680.62 39 4-O 575.45 599.92 624.67 649.81 675.45 701.81 || 4-0 4.1 593. 15 618.32 643.88 669.96 || 696.76 | 724.58 4-1 4-2 || 611.57 637.58 | 664.12 691.40 719.71 749.44 || 4-2 43 630.87 657.90 | 685.68 714.52 744.81 777.06 || 4–3 44. 651.28 || 679.60 708.99 739.86 72.75 | 808.30 || 4-4- 45 | 673.11 || 703.10 | 734.60 || 768. 14 || 804.42 | 844.31 || 4-5 46 696.81 | 728.97 763.23 800.27 | 841.01 | 886.64 || 4-6 47 | 722.97 || 757.98 || 795.84 837.48 || 884.13 | 937.49 || 4-7 43 || 752.37 || 791.11 833.71 881.44 || 936.04 49 || 786.05 || 829.68 878.57 | 934.49 - 50 825.37 875.49 932.83 — 949.91 34. 51 872.20 931.05 || 950.53 908.30 33 52 | 929. 15 || — |T| 951.11 909.39 872.91 32 T 951.67 || 910.42 | 874.36 | 842.17 | 31 952.20 911.39 || 875.73 | 843.89 814.93 || 3O 29 952.70 912.32 || 877.03 | 845.52 | 816.87 790.38 29 28 913.20 878.26 847.07 || 818.71 792.48 767.85 28 27 | 879.44 848.55 820.46 794.48 || 770.09 || 746.87 27 26 | 849.95 || 822.13 796.39 || 772.22 || 749.22 | 727.05 26 25 | 823.71 798.20 774.25 || 751.45 | 729.48 || 708.11 25 24. 799.93 || 776.19 753.58 | 731.80 || 710.61 | 689.84 24. 2: 778.03 || 755.61 | 734.01 || 712.99 || 692.39 672.10 || 23 22 757.54 736.11 715.26 694.82 674.70 || 654.80 22 21 | 738.12 717.42 697.14 677.17 | 657.43 637.86 21 20 2O 5 O 42 48 4.7 4 - G 4+5 142 ANNUAL PREMIUM ENDOWMENT FOLICIES. Payable at the Age of Eighty Years, or at Death if Prior. AGE AT RESERVES AT END OF YEARS STATED. AGE AT ISSUE. as 34- 35 365 37 as a ISSUE. 20 399.69 417.24 || 435.00 || 452.96 || 471.10 || 489.42 2O 21 412.94 430.83 || 448.92 || 467.20 || 485.65 504.25 21 22 426.46 444.70 || 463.12 || 481.71 || 500.45 || 519.34 22 23 440.27 458.84 477.57 496.47 || 515.51 534.67 23 24 454.35 473.24 || 492.29 || 511.49 || 530.81 550.25 24. 25 468.69 487.91 507.27 | 526.76 546.36 || 566.08 25 26 483.31 502.84 || 522.50 | 542.28 || 562.18 582.18 26 27 498.19 518.04 || 538.00 558.08 || 578.27 598.59 27 28 513.34 533.50 553.77 574.17 | 594.68 615.31 28 29 528.76 549.24 569.84 590.56 611.41 632.40 29 3O 544.48 565.29 5S6.23 607.30 628.52 649.93 3O 31 560.50 5S1.67 602.97 || 624.42 646.07 667.97 31 32 576.86 598.41 || 620.11 642.00 | 664.15 | 686.64 32 33 593.59 615.55 637.71 660.12 | 682.88 || 706.11 33 34 610.75 633.18 655.88 678.92 || 702.43 726.60 34 35 628.40 651.39 674.73 698.55 | 723.03 || 748.44 35 36 646.64 G70.30 | 694.44 || 719.26 || 745.01 772.07 36 37 665.61 690.10 || 715.27 | 741.39 || 768.82 798.04. 37 38 685.50 711.04 || 737.55 || 765.39 || 795.05 827.11 38 39 706.56 733.48 || 761.76 || 791.87 | 824.43 860.24 39 4-0 729.16 757.90 || 788.50 | 821.59 || 857.97 | 898.74 4.O 4-1 753.80 784.92 || 818.57 | 855.57 | 897.02 944.44 41 4-2 781.11 815.36 || 853.01 895.20 | 943.46 4-3 811.94 850.29 | 893.26 942,41 44 847.40 891.19 941.30 945.37 4.0 4-5 888.99 940.11 946.24 900.35 39 4-6 938.84 947.06 || 901.87 862.37 38 947.83 || 903.3 864.38 829.64 37 948.57 || 904.66 866.29 || 832.03 800.88 36 35 949.26 905.94 | 868.08 || 834.28 803.55 775.13 35 34. 907.16 869.78 836.42 806.08 || 778.02 751.68 34. 33 871.39 S38,44 80S.47 || 780.76 || 754,74 729.97 33 32 840.35 810.74 783.36 || 757.65 | 733.17 | 709.59 32 31 812.89 785.82 76().40 | 736.20 || 712.89 690.20 31 3O 788.16 763.02 | 739.08 || 716.02 693.58 671.59 3O 29 '765.50 741,81 || 718.99 || 696.78 || 675.02 || 653.59 29 28 744.41 721.81 | 699.83 || 678.29 || 657.08 || 636.10 28 27 724.50 702.73 | 681.89 | 660.38 639.61 619.02 27 26 705.48 684.35 | 663.53 642.95 || 622.56 602.31 26 25 687.16 666.53 646.13 | 625.92 | 605.85 585.91 25 24. 669.38 649.16 629.12 609.23 589.45 569.79 24. 23 652.05 632.17 | 612.44 || 592.83 || 573.33 553.94 23 22 635.08 615.51 596.05 || 576.70 || 557.47 538.35 22 21 618.43 599.12 || 579.93 || 560.84 541.86 523.00 21 2O 602.06 583.00 564.06 || 545.22 || 526.49 507.89 2O 4-4- 4-3 26O 2O 5.768 5.591 5.397 5.199 4.982 21 5.796 5.610 5,422 5.213 4,998 22 5.822 5.642 5.444 5.238 5.010 23 5,862 5.672 5.477 5.260 5.030 24 5,900 5.715 5.508 5.290 5,052 25 5.951 5.755 5.549 5.324 5,089 26 6,000 5.806 5.594 5.373 5.125 27 6.062 5.862 5.655 5.423 5.181 28 6.129 5.937 5.720 5.495 5.241 29 6.217 6.015 5.808 5.573 5.319 3O 6.309 6.119 5.904 5.671 5,417 31 6.429 6.233 6.020 5.794 5.530 32 6.561 6.372 6.168 5.934 5,656 33 6.720 6.542 6.335 6.090 5.793 34 6.914 6.735 6.552 6.262 5.940 35 7.134 6.952 6.728 6.447 6.101 36 7.381 7.192 6.953 6.653 6.267 37 7.655 7.455 7.202 6.869 6.444 38 7.957 7.748 7.468 7.102 6.622 39 8.293 8.063 7.757 7.345 6.801 4-O 8.657 8.408 8.063 7.595 6.980 4-1 9.057 8.777 8.385 7.857 7.154 4-2 9.487 9.169 8.728 8,124 7.317 43 9.949 9.592 9.086 8.393 7.461 44 10.451 10.040 9.459 8,657 7.574. 4-5 10.989 10.516 9.840 8.906 7.651 46 11.564 11.012 10.223 9.138 7.681 4.7 12.174 11.525 10.605 9.345 7.639 48 12.814 12.054 10.985 9.505 7.506 49 13.487 12.601 11.340 9.602 7.255 §O 14.195 13.145 11.658 9.615 6.842 51 14.921 13.676 11.924 9.502 6.222 52 15.657 14.183 12.096 9.226 5.326 53 16.394 14.627 12.145 8.719 4.065 AGE AT ISSUE. 2O 21 22 23 24. 54 17.097 14.983 12.005 7.897 2.335 204. TWENTY-FREMIU M ENDOWMENT FOLICIES. Payable at the Age of Eighty Years, or at Death if Prior. A GE AT COST OF INSURANCE FOR YEARS STATED. AGE AT ISSUE. l 2 & ge ſº . 21 Ten Premiums, e e © te * . 22 Fifteen Premiums, . * > e tº gº . 24 Twenty Premiums, * © to e . 27 Twenty-five Premiums, . & g * . 31 Annual Premiums, . * e e g . 36 Endowment Policies by Single Premiums: By Terms of Years, . e tº © i.e. 47 By Age at Maturity, . e wº º e 54 Endowment Policies by Ten Premiums: Payable at Death or Age of Sixty, . © e e fe 56 Sixty-five, . © º “e 58 Seventy, e © tº * 60 Seventy-five, . & & © 62 |Fighty, . g tº º * 64 Endowment Policies by Twenty Premiums: - Payable at Death or Age of Sixty, . † e e º 66 Sixty-five, . tº º * 70 Seventy, e e * > {e 74 Seventy-five, . & tº wº '78 Eighty, . ë ſº e ge 82 Endowment Policies by Annual Premiums: Payable at Death or End of Ten Years, . e g * 86 Fifteen Years, © * tº 88 Twenty Years, . e o 91 Twenty-five Years, ſº te 95 Thirty Years, ę & ... 100 Thirty-five Years, . wº . 106 Age of Sixty, . tº ſº ſº . 113 Sixty-five, . . ſº . 118 Seventy, e © tº . 123 Seventy-five, . tº i. . 129 Eighty, . e e * . 136 269 INDEX TO TABLES.–CO ntinued. COST OF INSURANCE ON Life Policies by Single Premiums: Ten Premiums, Fifteen Premiums, Twenty Premiums, Twenty-five Premiums, Annual Premiums, Endowment Policies by Single Premiums: By Terms of Years, By Age at Maturity, . Endowment Policies by Ten Premiums: Payable at Death or Age of Sixty, Sixty-five, Seventy, Seventy-five, . Eighty, . Endowment Policies by Twenty Premiums: Payable at Death or Age of Sixty, Sixty-five, Seventy, Seventy-five, . Eighty, . Endowment Policies by Annual Premiums: Payable at Death or End of Ten Years, Fifteen Years, Twenty Years, Twenty-five Years, Thirty Years, Thirty-five Years, Age of Sixty, Sixty-five, Seventy, Seventy-five, . Eighty, . Co-efficients of Accumulation, . te tº * e tº PAGE. 143 144 146 149 153 158 169 176 178 180 182 184 186 188 192 196 200 204 208 210 213 217 222 228 235 240 245 251 258 266 | | --- | iii. Íñi | 3 9015 07765 gºš \ f § ; É : : i : i ~ ***,*ș”;.*.*) *:)*)*)*)*)(.*¿¿.*¿¿.*?ș §§§§§§§ ¿ș.§§§§§§§ ≤ &,&*-º-º-º-~~~~ ! 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