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The following diegrems illustrate tho method: 1 2 3 L'exemplaire filmi fut reproduit gr4cs A la ginArosit* do: La bibliothiqua d«t Archivtt nationaiti du Canada Las imeges suiventos ont 4t« reproduites evtc !• plus grend soin. compto tenu de la condition at de le nonet* de I'axempieire fiim«. at en conformit* evee les conditions du contret de filmaga. Les exemplaires origineux dont la eouvartura an pepier eet imprim«e sent fiimAs en commandant per le premier plat at an terminent soit par la darnlAro paga qui comporta une emprainte d'impression ou d'iilustretion. soit par le second plot, selon le cos. Tous les eutres exempleiras originaux sent filmAs an common^ent per le premlAre pege qui comporte une empreinte dimpreasion ou d'illustration et en tarminant par la darnlAro pege qui comporte une tafia empreinte. Un dee symboies suivents sppereftra sur le derniire imege de cheque microfiche, salon la cas: la symbols — ^ signifie "A SUIVRE '. le symbols ▼ signifie "FIN". Les cortes. plenches. tablaeux. etc.. peuvent «tre fllmte i des taux de reduction diffirants. Lorsqua le document est trop grend pour itre reproduit en un soul clich*. il est film* i pqrtir de I'engle sup4irieur geuche. de geuehe * droits. et de heut en bes. en prenent le nombre d'imsges nAcesseire. Les diegremmet suivents illustrant le mithodo. 32X 1 2 3 4 5 6 mb ^■^^m '&4 a SPECIAL TO TITK HONOURABLE SENATORS AND MEMBERS OF THE COMMONS OF THE DOMINION OF CANADA BV THOMAS L. WILSON. f 60 St. Famille Street, ( Montreal, June a6, 1879. Dear Sir, As my attention has been drawn most naturally towards the pro- posed governmental life insurance scheme, seeing that it not only concerns myself as a husband and father, but all similarly situated in that honoured status, either as fathers, brothers or protectors ; my mind was consequently directed to decide in the premises, as to what course I should take, and I at once concluded that it was an imper- ative duty due, not only to my own family, but to the whole com- munity, and the Government of my adopted Country,to use my utter- most efforts with our Legislators, Patriots and Philanthropists, who have the power to confer on our own " flesh and blood," the great blessings positively embraced in the said work. Therefore, in order to further that conclusion, I have the honour of presenting to you this circular, earnestly hoping that you will be pleased to specially consider all the facts herein set forth — being authoritatively quoted— seeing that you are one of the Repre- sentatives of the people, both in point of power, influence and respon- sibility. Another important reason for this ^ .ilaristhe fact, that I have learned with profound sorrow, that a c jmbined effort on the part of certain of the private companies, has been decided on, to oppose and defeat, if possible, the proposed scheme ; hence my anxiety to do my part in support of the government measure, and so counteract the machinations of the enemies of our common but humane interests ; and further permit me to add, as an historical refresher to your memory, that it need not surprise any one that opposition to such a noble and pure cause should arise in the quarter indicated, when we remember the tremendous struggle that the whole souled statesman. Sir Rowland Hill had, in landing his cheap postal system ; but will any one to-day, say that it is not a universal benefit, not only to our own Sun -bound Empire, but to all other Nations. Again, Sir Wm. Armstrong had almost as tough a battle to fight to get his grooved bore guns adopted in preference to the smooth onesj but does any one, even in so short a time after its — 4 — adoption, insinuate in any material particular, that the principle is not a great success, and in a most telling manner, has it not assisted in upholding the i)rowess of British arms amongst the Nations of the Karth ; and has it not ever been the lot of the purest minded, and noblest disposition, to meet with opposition in their gallant struggles for the amelioration, elevation and prosperity of their States and Commonwealths, not even excepting the useful inventor Cartwright, the brave Wilberforce, and the persevering Stevenson ; in some mstances opposition has arisen from conscientious motives, but in most cases-history in all ages will verify the assertion,-that it arose more especially from personal interests than from any other cause, particularly when large sums of money and monoplies were at stake. I trust I shall show you conclusively, that nothing in this wide worid can influence or cause opposition to the scheme in ques- tion, except that of commonplace selfishness of the few, because of • their financial interests, which are ranked against the just demands of the whole community. I therefore salute with all due deference, every good and true man, in every station of life, and call upon him to cast in his influence for the adoption of this humane and powerful measure, as he loves his own wife and children, reveres his manhood, and respects his country and its prosperity, which gives him his salt. I doubt not that you will act after mature deliberation, with man- ful moral courage in this matter, as one whose hands have been kept clean, his conscience light and energies correctly directed, and there fore free to look eveiy man straight in the eye, Mhen called upon to act in so righteous a cause. In such a frame of mind, and holding such views, you will readily perceive good cause why I should approach you thus, when I inform you that I conscientiously believe it to be one of the most important measures ever advanced in any house of Parliament, for the well-being of the whole community, either in viewing it from the standpoints of morality, social science, or financial prosperity • the latter embracing the Stale as practically as the individual ; as the sequel of this circular will fully illustrate. I need scarcely remind you that " the governmental life insurance scheme" strikes more or less, against one of the greatest financial combinations the worid has known, for instance, n the United States alone, the private companies have aggregated already more — 5 — than three hundred and fifty millions of the people's money, and is increasing this largely every year— which of itself is a great danger financially and politically— so you can easily appreciate the situation, as to how such a power must feel, and look upon the proposed change. You can readily perceive how many Presidents, Vice-Presidents and Agents are enjoying such rich sinecures, and how frequently one or another of the branches of this gigantic trunk, rots, falls and crumbles into dust ; and is only heard from through the wailmg cry of a fond but crushed Mother, or perchance, you may pass by the blighted home that you once knew when a noble and generous husband caused happiness and plenty to reign under its roof,- as the green bay tree that flourishes in our glorious valley— but now the abode is changed to melancholy, leanness, chill and distress ; purely the fruit of that wretched company, who by the vile and cold hearted knavery of its leaders, plundered and squandered the funds so sacredly paid in by the honest husband and aflectionate father, as a fund of trust, but so cold bloodedly poached and thieved by those who have in too many cases forced themselves t« the front. Just contemplate this record and fact that more than three hundred and sixty companies that have gone down in the United .States and Great Britain within thirty years, and ask yourself the question — how many orphans have been thus made penniless and floated upon their country in gross ignorance and sin, and finally to mature into womanhood and manhood with nothing better before them than a lowering horizon, impelling them on to licentiousness, beggary and law breaking ; therefore, let me appeal to your best manhood, your noblest thoughts, and highest ambition, to resolve at onre, to exert your best powers, and cast your vote foi ihe noble chang ^ -oposed. In such a case surely. Heaven's best bless- ing will fall on the men who bring about such a consummation, remem- bering that this work when done right, is once and forever done j and lor all time to come, will the moral influences, the financial bene- fits, and universal well-being of the Dominion follow you, in your own breast first, your hearthstone second, and the broad land third. It is truly deplorable to know how that the wiles, subtleties and fascinations of money can be made to play most unworthy influence on the heart of men when not on their guard, and allure them into its meshes, and so possibly defeat a most righteous cause. Therefore, allow me to say, that by supporting this measure, you are performing — 6 — an act of the hij^liest chivalry, for in it, is embraced " protection to the weak against the slrong," vir. , dead uieu's legacies to their wives and children against the unscriipiiious rapacity of the h'ving, the luliLT l)cing the. n,i'.f„n,s of su-h .■.rn/>.in!rK. Yon are doing more, for you are putting it out of the power of such men to compete by artful manipuliUion, and live legally .miscalled so) out of the Widow's mite and swallow the ( )ri;hans provisions. Remember that the very nature of their combinations are tj make money at all hazard, and if need be, without principle : - i'or the moment; consider the enormous expenses in working such a comjjlex an.ount of machinerv, divided into so many private comi.eting companies, as is the case before us, f^n/t • '11 r v,nn;^u'tth „// ih, olhn . at ,ve,y ,trp, having each their own staff in every considerable place of business, causing millions of dollars to be spent m buildings, useless extravagant salaries for questionable figure-heads, and the vast number of stockholders, &c., &c. I need not tell you from what source these millions are drawn, or who are the n-al parties that have to bear the burthen ultimately. Is it not the lonely Widow and Children oftho.se who. in their lifetime, paid in this nu.ney, and those who are so mercilessly defrauded in their time of weakness, in the struggle for their just rights. I fearlessly assert without any dread of material contradiction that outside the "Government Scheme," there is no actual reliable saf.ty for the Insured. In it is the only true -uarantee for the peo- l^le's life insurance money, for under its control there is both the very best scunty and the greatest economy, and at the same time, con- serving the large savings so wisely husbanded within, and for our country's special benefit. If the i)icsent practice is allowed to continue, after all these facts h 've !)een laid before our Patriotic Legislators, it can only, be « onsidered as a most wantonly stupid act, and to permit the deporting proofs for what I have asserted, by calling your special attention to the statement and figures prepared by Mr. Thomas R. Johnson, who has kinlr. Johnson's closing observations taken from his pamphlet. Closing Observations. A few points may here be briefly stated, in order to be remem- bered, which are of great importance. Confidence has undoubtedly been considerably shaken in the present system, by reason of the serious exposures already made as to mismanagement, shrinkage of assets in various ways, and the uncertainties of the future failures. Doubts exist as to the continuance in ofiice of trust worthy and honourable Directors and Managers, because all are subject to the caprice of interested combinations, aiming to promote their own int- erests at all hazards. Working of Companies, as matter of speculation, is unsatisfac. toiy ; their pecuniary interests are shown by evading, in every con- ceivable manner, the payments due to the widows and orphans when they are practically helpless. The earnings of Companies are looked upon by them as their own nominally— hoX^mg a reserve from which to pay claims, when they zxt forced Xo do so-dividing and appro- priating all else as they please. — 9 — Funds, under the present system, are held either by Trustees or Board of Directors (also continually subject to change, as already explained.) They nominally hold by far too much of the people's money— and this, very frequently, in a most precarious manner; at any rate, it is so viewed by the insured, who have to depend entirely on the conduct of those officers— the latter being irresponsible to them— for the investments that are considered by policy-holders as their chief security, and over which and whom they have no voice whatever. Advantages proposed and secured by the Government Plan, are implicit confidence in the integrity and ability of the Federal Govern- ment to discharge its every obligation. An universal and unalterable law and system, placing the facilities and advantages on an equitable basis, within th'' reach of the poor as well as the middle and upper classes of the t. .e nation— the positive security offered that every POLICY SHALL BE PAID ITS FULL VALUE— and the application of the surplus earnings and savings, not in dividends to numerous stock- holders, directors, and the like, but for the good of the whole coun- try, in wiping out the debt of the nation, whigh is constructively equal to reducing the individual liabilities and burdens of every person. It will also felieve the mind of those most interested from endless anxie- ties as to the actual money that will be handed over to the widows and orphans of the insured. In such case, there will be no need of being troubled as to the integrity of this or that person, or the value of this or that investment, or the truthfulness af this or that report, statement, or scheme, as ail will be most efficiently managed and secured by the Great Government of the nation. So that all may rest in peace and happiness— and many a poor and otherwise doubting heart, on a bed of sickness, rejoice in the assurance that the timely provision made will be sacredly carried out to the letter. 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N.B. — This does not include any of the Companiet qf other Stale* that do no Lminess in this State. ASSETS.— Total on Slst December, 1871 $302,558,199 Do. do. do. 1877 396,420,590 Increase in 6 .Tears . . . . INCOME for 6 years, to 31st December, 1877 DISBURSEMENTS do. do. $93,862,391 $642,601,053 •474,879,004 Surplus Income $167,722,049 From this, deduct increased Assets. . 93,862,391 Short accounted for 378,859,658 OUTSTANDING on 31st December, 1871, to which is added business of 1872, 3, 4, 5, 6 and 1877. Say totals. M Policies. At Risk. 1,644,599 $4,119,029,805 Less terminated... 1 811,695 12,077,634,648 Balance should be.. 832,904 Report only shows.. 633,096 Short accounted for . , 199,808 * Disbursements made up as follows : - To Policy-holders, in Cas^h and Notes " Officers, Agents, and other charges t Included in these items rre the following ;— Policies. TorroiDated by Death and Maturity t2,'i33 Do. b Lapse 385,381 Do. by burrendor 183,793 2,041,395,157 1,556,105,323 $183,289,834 $380,033,631 94,243,373 At Risk. $U4,655,<«) 921,378,820 606,757.636 The Government doing the same work for 6 approximate yean on the proposed plun, would compare thus : — Companies. Government. Income, 6 years $642,601,053 $671,697,732 Pay to Insured t330,633,631 338,180,000 Agents and Expenses 94,245,373 33,719,493 Net surplus income $107,722,049 $299,798,239 Item, Agents' Expenses favours new plan by 60,525,800 tin this sum is included what the Companies paid for repurchase, lapsed, and surrendered Policies, while in the case of the Ooveinraenti the whole amount is paid to the Insured without discount Insurance buBinessJn EP0RT8. talet that do 302,558,199 396,420,590 593,862,391 342,601,053 474,879,004 167,722,049 93,862,391 j78,«59,658 \t Bisk. 119,029,805 )77,634,648 341,395,167 556,105,323 185,289,834 $380,633,631 94,240,373 At Risk. $144,555,'. «) 921,378,820 608.767,636 irs on the >vernment. 571,697,732 138,180,000 33,719,493 !99,798,239 60,526,800 lapsed, and ount is paid _ 13 _ GOVERNMENT LIFE INSURANCE. To the Editor of the Free Press, Ottazva Dear Sir, — As I have been informed by a member of the House of Com- mons that my figures anent the Government Life Insurance question, contained in my pamphlet, are reported to be wrong, I wish to state that I am prepared to .vrove their correctness by the Government reports, and as to the estimate of probable deaths, 1 have been entirely guided by Dr. Farr's tables, made up from the registered deaths of one million persons in England and Wales. His expec- tancy tables are most reliable, as they cover such a vast number, and because they are lower than either the Carlisle or American tables. My calculations have been made by the rule of proportion on each age, cov- ering a period of forty-five years, and therefore should be correct. By the same rule may be deduced the following facts, viz., that out of ioo,ocx.i persons, 34,283 died before the age of 20, and 29,867 between the age of 20 and 60, and 35,850 beyond the age of 60 years. The Government reports show what amount goes out of the country annually as far as the companies report correctly, and on the latter must rest the responsi- bility of error, if there are any such, as they furnish nuorn statements to the former consequently when I challenge those interested or my traducers publicly, they are cute enough to keep silent. Why do they not come out boldly through the press, in the same manner as I have done, and give me an opportunity to reply ? The great point in the whole scheme as advanced is this : From the public exposures made of frauds in various ways, and even perjury, also the many failures th.it are reported, all have contributed to create an absolute want of confidence in the present rJs^'inte, luhich mistrust has and does prevent many from insuring, hence the necessity of the remedy now proposed, in order to secure confidence in making provision for the helpless widows and orphans when their chief support is removed from them. Besides, the foregoing is the fact that as true patriots, we should keep our money in our own country, instead of allowing it to be carried abroad, and what- ever saving can be made by the change, LET IT BE APPLIED TO OUR OWN ADVANTAGE. Yours truly, THOMAS R. JOHNSON. Ottawa, March 14th, tS-jg. (letter from a. G. RAMSAY, " CANADA LIFE.") MR. T. R. JOHNSON ON LIFE ASSURANCE. Marginal Notts by T. R. yohnson. To the Editor of the Montreal Herald. Sir,— In the Ottawa correspondence of the Globe, as to the Government Life Insurance in yesterday's paper, it was mentioned that a Mr. T. R. Johnson, an ex-accountant of an Insurance Company, has stated that "nearly $2,000,000 is — 14 — annually carried away by foreign insurance companies," but I Hare say you will be surpnsed to hear that there is not one-fifth of that sum so carried away, as.ycu will see by the following figures, taken NoTK.-This year was not referred to by me. as far as possible from the latest Gov- Also Mr. Kamsay uses tlie wor.ls as/rtrnj/tfi- ernment returns. ■''*''''' ^"'^ ■*"->'• "" Kiven without proof of accu- Total premiums received by all I'.ritish ""^y- ""'^ "'"«''"'•«' "^ "» value in refutation. and American Companies in 1877, $1,877,079. Of which there was paid to policy-holders Expenses say Invested in Canada during year, say T. R. J. $995,423 281.562 200,000 T . , $'.476,985 Leavmg taken out of Canada, say ^aqo 004. Your correspondent adds that Mr. Johnson has prepared and distributed in Parliament a pamphlet upon the subject of Life Insurance. It will be unfortunate if his other statistics, to which allusion is made, be not more accurate than those quoted. I have before me a pamphlet which Mr. Johnson published last year in the United States, in which by un elaborate calculation, he proved to his own satis- faction, that if the United States Government would enter upon Life Assurance business, it would in forty-five years have accumulated $2,578,000,000, or far more than enough to pay off the entire Note. -My assumption is tal;en from facts national debt ; but he based that upon "ported to the Government, and the highe.si the assumption that the deaths would '^'^ '"''" ^^ " *''°'^' ' ""* ''"'' f™'" Gov- not each year average over 14 per thou- """"' "''°" ''=" '"'^ ""^'^""'^ ^'''=" ''" "'"^ sand lives, a rate of mortality which as years advanced must be so greatly ex- cee ''"• ^"^ Ifamilton, March nth, iSyg. \ (REPLY TO ABOVE.) T. R. JOHNSON ON LIFE ASSURANCE. To ike Editor of the Montreal Meralu. SiR,-Under the above caption in your issue of the 14th in.st., I notice a letter signed by A. G. Ramsay, Managing Director of the Canatia Life Assurance Company, dated Hamilton, March nth, 1879. Now, sir, as you have opened your columns to make an attack on the correctness of the calculations, &c., made in my pamphlet on this subject, I trust you will accord me space enough for this repiy. Your said coiiespondent is in error with regard to several unimportant alle- gatK.ns, which 1 will pass over however, in order to take up those of greater mag- nitude. I iis attempt to prove me wrong with regard to the nearly two million dollars, should have b.ien confmeil to, and embrace the identical same years that I si)eak of, to wit, the years from 1S69 to 1875, and should he have succeeded in that wixy to prove anything, he might then have exalted in triumph. For the benefit of your many readers, I will here give the figures taken from Government reports for die years that I have always referred to, and surely, any one can judge for themselves whether your correspondent or I are nearest the mark of accuracy. Ihe surplus receipts over all reported disbursements hy foreign companies, are set .town at $9,383,906, which is an average of $1,563,984 per annum, for the six years named, and is very different from what Mr. Ramsay tries to show, when he says, ,. one-fifth of that sum is carried away." The ingenuity of introducing a single year— and that one, not even included in those I refer to-is worthy of an interested partiz m. Yet, if he i. prepared, able and willing to correctly show with satisfactory evidence, how much of what is called disbursements, has been paid to foreign stockholders, trustees, managers and agents, how much has been kept back from the helpless widows and orphans ; how much has been forfeited by the insured, by lapsed, surrendered and other terminated policies, and possibly charged and included as regular disbursements ; and how the accounts may or may not i6 — have been specially prepared to cover such work. I say, when he is prepared to do this for all the companies that have reported to our Government, the country will be able to appreciate his labours and will then, possibly, find that my figures are no exagerations after all. Mr. Ramsay in his wonderful self-satisfaction, says as follows of my pamphlet. " Published last year in the United States, in which by an elaliorate calculation, he proved to his own satisfaction, that if the United States Government would enter into Life Assurance business, it would in forty-five years, have accumulated $2,578,000,000, or far more than enough to pay off the entire national debt ; but he based that upon the assumption that the deaths would not each year average over fourteen per thousand lives, a rate of mortality which as years advanced, must be so greatly exceeded, however, as to make his figures altogether valueless." In answer to this, 1 affirm that I have taken the highest rate of mortality that I found in the Government reports in my possession, anil which are said to he higher than the actual experience. In Mr. Smith's " Notes on Life Insurance,'' published in New York, 1876, at page 18, he says : " It is, however, maintained by Life Insurance experts that either of the tables referred to is sufficiently accurate for practical purposes ;" and at page 20, he says, " Mortality tables are based upon statistical information obtained by observation and experience." To the foregoing may be added that I have consulted the tables prepared by Dr. Farr, F.R.S., of London, which produce the following facts : say at the age of 35, out 0^571,993 lives, there died 6,533 that year; and by the rule of proportion, it i evident that out of loo.ooo lives, the deaths would be only 1 142 ; but as I have allowed 1400 at that age. I am above the mark by 258, and having made all my calculations in that liberal way, 1 am prepared to stand by them. Further, let me state that your correspondent must be in error in his memo, of mortality, or else the Registrar General of London, and other authors are ; the public must decide in which it will place most confidence. From the tables in question I have worked out the following facts, which are here produced in a condensed form, say, out of 100,000 lives, there died before the age of 20, 34,283 ; and between 20 nnd 60 years, 29,867 ; and beyond 60 years, 35,850. If My. Ramsay will take the trouble to consult the same authority, he will find that others can calculate as well as himself. He will also find (if he is well posted) the following facts bearing on mortality or expectancy of life : — Years. Years. Years. Years. Years. Say at 20 30 40 50 60 Belgium Table 43 35 27 20 13 Carlisle do 41^^ 34^ 27^ 2\%. 14^ American do 42^ 35X 28j^ 20^ 14 1-12 Dr. Farr do 39 '-5 33 7-lo 26 7-10 20 I-7 13 9-10 I have consulted other authorities besides the above, and find most certainly that Dr. Farr is the lowest and safest of modern authors. Now, sir, as to Mr. Ramsay's second paragraph, in which he says that " it will be unfortunate if his other statistics, to which allusion is made, be not more accurate than those quoted. " Well, your readers can now compare the facts and e is prepared to ent, the country that my figures )f my pamphlet, rate calculation, ernment would ive accumulated ional debt ; but h year average advancey letter? He very adroitly said that he had no lime, and he immediately disappeared in a hurry, probably fearing a debate on such a tender point, particularly with me. Mr. Orr himself had a long talk with me while here, which I think was on the 1st instant, and by his conversation at the start, he showed his ignorance of the fact that I had studied the ramifications of the Life Insurance business, and did not requite any instructions from him on the subject. 1 told him this very plainly when he advanced the idea of my appealing to so-anJ-so in the Lnited States for information. I also told him vthat I had nothing to learn from lum or others that is worth learning, and that I positively would not study the system of cheating the helpless widows and orphans. Since .Mr. Orr takes up the role of an apologist for Mr. Ramsay, or probably to speak more correctly, for the Insurance Comp-inies, and as he evidently has read my letter to Mr. Ramsay, I will simply ask him to reply to my questions put to Mr. Ramsay veibatim. The Blue- Book that he refers to, speaks for itself, and his quotation of my statement is only correct as far as it goes, and Jirobably when he answers my questions as above intimated, the public will hnd WioXntarly two million dollars a year have been carried out of this country as stated by me. Your readers will bear in mind that the figures given in the tioveniment sports, show the surplus as being so much overaU disbursemnits, which any " school-boy will understand, includes the whole list of details that Mr. Orr refers to, and likely some that are not so included, because it is a well known fact that such companies are not slow to exhibit large figures, not only in the item of receipts, but of pay- ments also. I L 1 K His pretensions about investments are very ingenuously put, liut tney lack positive detailed evidence as to figures, &c., to prove anything in his favour, espe- cially when we consider the source from whence the mere assertion emanates. It surely is worthy of a partizan to introduce the subject of the $3,000,000 (Quebec bonds into this business, but Mr. Orr gives this wonderful reason for it, staUng that it " shows that Americans know how to ajipreciate a good financial otler, irrespective of boundary lines." To which fact let me here add, that this is the very reason why they have established so many Life Insurance Companies in Canada, knowing that they do make very large profits out of us m this business. lll'!l !ii! — JO — Kow « to ,he death r«te and the •; -h-^^oV|;J-'<. jV.f r.;^ ./il^de,! a. .urprUed that -h,an a.le|>j cr.Uc | r.^^^^>m^f^^ • ^^^ .„ by 14 *hich gives 72, and atU ine '»"""*•" , |„w,.ver. as " school ci.e V. might conclude a po.s,t.d.ty of '''^R "„ ^2 y^n s. 'ow^ vtr ^,^^^^ ^^.^ question gratis. Sav that tncrt oiea ^"O H . , , j | j „„e ,hat died ? of life passed througti by the.n ^V. ?2u^.t recT.r that out of one million per- I knd from. actual uncontradict.. facts on ^-- '•^^»;f'^;;,"„\hat two celetn^t«l sons, I49.495/1'«:<« "nder one X^"^ ' "' • ^ • ' ■,,-^-,^^, ,,„„d„n ,876, stated m-.st di.- ACTIJARIKS, in making their official repor , •'»f*' ''"''" . ..< arli'le Ta. le " of tinctly that they were guided in th.r ^alc.daU..n^ the ^^ Carl. !c^^ ^^^ ^^^^^ expectancy of life. ^^'^1' Mr Orr was vain «" »'l^^ .„„„, „,„„ „,«o,ute that is, that none of the K.j.ectancy 1 "'''^^ *;''^''*'''=" i gt u be rti . n.bered guide, of course I '* ^, ' j^,/' , , , L^ths per 1,000 year to year and as P-sentlyw.l appear -V -''"-, .JhS Go^ern^ent on a general average is co^r^t. and agrees wtnint ^„ glaringly as ;?I^^at^r^^S^b^^°^?S|n'^ 5-- ^way« be al.ed to 35. ment, from March .870 to 30th ^"f • .'^J Var^ riod wh^H^ estimate for only .68 deaths actually took place durmg J^^ Perod wh,^^^ ^^^ Y^ ^^^ ^^^.^ ^ the same number of pe™. "f^^ Jf ^"^ 5',l» Iwes at 16 years, six died within that have stated. Again, I find ^hat o"' ^^ '^o^ '^^^;/'^,^Vollow^n years, the deaths year, and out of tAf same, number ofhvfsjxi each onne 1 y ^^ were as here stated, viz.: at 20 years, 8>i ; at 25 yea""^- 9^ ' " ■* L, \J^^ 60 •"^" MTbrr has no business to as.ert that the ^^J^^^f"'^^^ ten million pounds ste.Hng *^ --^ InT^anTw merrt^ertiin ' oF ?he case information is at once absurd a"^'/ / J'\" 'f ' ^j " " jgnce it is not worth much does not make it a fact ; and as '' '^•^J^^.^^'^'^^f t.ine o^^^^^^^ .^-iles away from especially when coming from such =»^^°»;«' "l^^X^^^^ thrplace where «=«"|'-f .'7„.«;;f f:^„^:^^Susil'w^^^^^^^^^ in this instance. under these circumstances but his fanciea sec ^^^ ^^^^ ^^^^ themselves are As we have now heard the roa^ m me o g g ; ingenious hurt. I can afford to reserve my torptdoe f""- ^^'l^^ene ai cnarge b ^^^ enemy, and in the meantime stae as an excuse fo^^^th.b^^^^^ ,^^^^^ notice any more of such prodiK Mu-is ^vmcn a stuuu. j ^ ^' THoMAS R. JOHNSON. Ottawa, April 5th, iil9' ill!: me »tate that I ^ •' 1,000 (livulwl [)f 35, for in thot ever, as " nchool U propound lhi» 1st one that ilicn ? f one million per- at two cclehitrtwi , stated molt (li»-_ arii^lc Taiile" of (VU-, not thf CU..C, unt ns nn nhsolute it lio nil' riibered \y he insured from deaths pet 1,000 rican Clovernment ice so glaringly as be added to 35, e by the fiovern- ves, out of which in my estimate for for on the basis I iix died within that g years, the >ieaths 30 years, io)4 ; as >, 17^ ; *"'! •'*' ^ ir by yea. , I base y stated ; and Mr. the clouds, nor can ies in working life ■ Great Britain lost e. This gratuitous sertion of the case is not worth much X) miles away from fancies himself safe -ail in this instance, but themselves are He of an ingenious Itter, that I will not can answer instead R. JOHNSON. 'v ■ ,;• .'i.i