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Tous les autres exemplaires originaux sont filmds en commengant par la premiere page qui comporte une empreinte d'impression ou d'illustration et en terminant par la derniire page qui comporte une telle empreinte. Un des symboles suivants apparaftra sur la dernidre image de cheque microfiche, selon le cas: le symbols — ♦► signifie "A SUIVRE", le symbols V signifie "FIN". Les cartes, planches, tableaux, etc., peuvent dtre film6s d des taux de reduction diffirents. Lorsque le document est trop grand pour dtre reproduit en un seul clich6, il est fiimti A partir de I'angle sup6rieur gauche, de gauche d droite, et de haut en bas, en prenant le nombre d'images n6cessaire. Les diagrammes suivants illustrent la mdthode. trrata to pelure, n d D 32X 1 2 3 1 2 3 4 5 6 Wanting OF TNK North American Life Insurance Co OOMBININO THE ADVANTAGES t OF EUROPEAN TONTINE SOCIETIES WITH LIFE AND ENDOWMENT INSURANCE 47 TORONTO : MAIL PBINTINO COMPAITY. PBIXTTEBB, 1882 (if) T{lE plop ;\HEI(IdHlil LIFE IM^DI^AllIdE dO. HEAD OFFICE: TORONTO ST.. TORONTO. Incorporated by Special Act of the Dominion Parliament. FULL GOVERNMENT DEPOSIT. H.)N. Hon. Hon. Hon. A. w. DIRECTORS -GUARANTORS: Hon. Abr-.x. Macki'.nim , M.I*., c.\-I rime Minisiei of Canada, President, Director. Hon. Oliver MowAT, M.I'. P., Iri-mier of Ontario. Hon. J. NoKi,)iiAV, I'rf nuer of Manitoba. Hon. 1>. a. .M\lIio\ ALU, ev-Lifiit.-l'iovernor of Ontario, Monfreal, Director. Ho-J. .•\lex. MiiKKis, M.r.I'., ex-IJeut.-Oovernor of Manitc)l)a, Vice-President, Director. Hon. L. H. Daviis, (^.C, late Premier of P. K. Island. SiK K. J. LAKMWKiGhT, \I.P., ex-Fiuancc Minister of Canada, Kingston. Siu .\i BERT J. Smiih, Dorchester, N.M. Hon. EnwAKij IU.akk M. P., ex- Minister of Justice of Canada, Toronto. Isaac Hlkcee, M.P., St. John, N.B. (Iko. W. Allan, :-enator ; iresident, Western Canada Loan and Savings Society; Director. A G. JiiviiS, Ch.iirman, Provincial Hoard, Halifax, N.S. O. McMicKKN, M.I'. P., Winnipeg, Manitoba. Kf)ss, M.P.P., Winniptg, Manitola. Hon. R. I'liiiiM.DKAt!, >en.it<>r, Montreal, Director. John Macuonald, I'-sUR^KV, Jr., E f. Director, Federal Bank of Canada, Toronto, Director. Wm. CioRi ON, Esq., loronto, Director. John Bl'K^ -, Esq., Director, British Canadian Loan and Investment C'ompany, Toronto. A. M. Smiih, Esq., Wholesiile .Merchant, Director Ontario Bank, Toronto. RoHEKT IahiRav, Esq., .Merchant, Toronto, Director. H. H. Cook, Esq., M.iM'. John CARHiiTHKUs, Esq., Kineston. L. W. Smith, Esq., \).' .!.., i resident. Building and Loan Association, Director, Toronto. B. B. Hu(.hrs, I'",sq. (Messrs. Hughes Hros., Wholesale Merchants), Toronto, Director. iAVKS ScoTr, Esq., Merchant, I )iitector. Dominion Bank, Toronto, Director. I. S. Stkathv, Esq., (,'.»shier, Federal Bank, Toronto, Director. D. Mc<.RAE, Esq.. Manuf.icturer, ( nielph, Director. G. H. '■ TAKR. Estj., Tresident, People's I'ank, Halifax, N.S. John N. Lake, Esq., Iroker, Toronto, Director. W. E. Wki.lingt ON, Esq., F'onthill Nurseries. Jas. THnRHi'Rv, Est;., M.D. , Lecturer on Materia Medica and Therav>eutics, T.S.M., Medical Director of the Company. Kerk, Esq., (^.C. (Messrs. Blake, Kerr, Lash & Cassel.s), Toronto, Solicitor of the Company. Mc AiE, Esq., LL.TL. Fellow of the Institute of Actuaries of Great Britain and Ireland, Managing Director of the Company. ^ J. K. Wm. To it i tin Ell ha' for r A inc me to ing viv reo ins bet "roNTiNi: IlVVESTMEniT PLAN OK THK , North American Life Ins. Co., ^al COMBINING THR ADVANTAGES OF European TONTINE Societies, With Life and Endowment Insurance. or. ito. VI.. the ind TONTINE ANNUITIES were originated by Lorenzo origin of Tonii, a Neapolitan, who published his scheme and introduced '^'^"''"•^''' it into France about the middle of the 17th century. Since this time they have been extensively patronized in many parts of Europe, especially France ami Germany ; and governments even have often availed themselves of this hcheme, in raising money for national purposes. • The principle of the Tontine inny be briefly explained, principle of A number of persons are associated together to form a fund, the "^o""""- income of which is divided, at stated periods, among the living members. As deaths occur, the shares of the decedents pa.ss to the surviving members, and, as the number of these is grow- ing less and less in the course of years, the income to the sur- viving members is constantly increasing, until the last survivors receive extraordinary profits- The object of such a scheme is the securing a support whom they in advanced years for the contributor alone. At his decease, the '^"*"'' benefits, so far as his representatives are concerned, terminate ; Life Inturaiicc. rontinc Invest merit I'lan. '2 North Amkrican Likk Insuranlk Comvany. but to those who survive long, in nf> other manner can such large returns be received from such small investnit.nts. Life Insuranic proper ignores self and has f(ir its sole object the proteotion of depeadenti when y^^jj |,g ygj.y irreat, for the wliole surplus being divided to Survivors. ,..•., ■„ r «• , . among a dnnimshed number will, of course, afford a large amount to each person. Representatives of tho.se who die before the termination of the Tontine periods will receive simply the original amount insured. Those who di.scontinu(' their policies within the selected Tontine period will receivi neither Paid-up Policies nor surrender-values, but profits from ^^^^- tj^jg source, as well as from the dividends of those who do not survive their respective Tontine periods, will be accumu- lated for the benefit of the Tontine Fund. North American Lifk. Insurance Companv. in cash. Kntire Kijuitv Paul In lash. After the termination of the Tontine periods, whether lo, 1 5 or 20 years, as may he selected l)y the assured at the outset, the distrilmtion of the accumulated profits will he made, and the '^',0 ptTATi'o/' proportion falling due as the share of each survivor may be con Annuity, verted into an annuity to continue either during the remaininj; years the Policy has to run, or the payment of premiums is re quired, (ir tluring the life of the party, as may be selected, thereby securing a permanent income to sustain the Policy or contribute towards the support of the assured. Or if preferred, j, ^,'j„j -j the Company will pay the aooumulated dividend in oash. A still more important privilege is granted. Each holder of a TONTINE INVESTMENT POLICY will have the option of withdrawing in oaih after the end of 10, 15 or 20 yean (as may have been selected at the time of taking the Policy), hia entire Equity or interest in the fundi of the Company. The advantages of this option will be apparent^ for under it an ordinary life or other Policy may at the stated time practically become an Endowment payable in cash. By this means an insurance against premature death may Ijc secured K:nefit Tlic option of thcse hencfits is with the I'oliry holder, holder '^'^ l)Ut his choice is to l)c coiniminicatcd to the Company, in wriliiij;, within two months nfler the li'rmin.ntion of his ToiUine dividend period. If no ^iich notice is receiver!, the accumulated dividend will be converted into an Annuity to continue for the number of years that payment of premium is re(iiiired (if any such there be), and to be applied to the reduction of sucii remaining premiums, * any excess over the prtmiini being paval^le in cash. Or, if no more premiums are re(iuired, then ^aid Annuity shall be for life. Grace allowed. A GRACE OF ONE MONTH will be allowed in payment of premiums on Policies in this class, at the expir- ation of which'time (if nnpaid) the Policy ia cancelled. But a KE-INSTATEMENT will be permitted. PROVIDED I St. That an application in writing for such re-inslate- ment be made to the Company, at its head oftice in the city of Toronto, within one month after the expiration of the month of grace. 2nd. That a medical examination of the party insured, made by an ajiproved examiner, upon the blank provided by the Company for that purpose, is furnished by the applicant at his own expense. 3rd. That such medical examination is approved by the Company, and that under the state of facts then existing, the risk is satisfactorily insurable on the plan originally granted. 4th. That after such approval, the payment of the back premium and fine is made immediately. It is expressly stated that there will be no liability on the part of the Company for loss, should death occur after the e V 1 II II' North American Like Insurance Co.mi-any. 6 expiration of the first month of grace. In all ca.se.s where ad- vantage )f the grace is taken, or the Policy i.s re-instatc• m ^vbxnavt} tr cent. per annum. No. of Premiums paid. Profit Over I'rtmiums, t.'onipoundeu at 10 [er cent. per annum. 1 I ! $9672.20 I $9453 85 2 9311.62 2 8853.09 3 8914.99 3 8192.25 4 8478.69 4 7465.33 5 8180.69 5 6665 . 72 6 7780.96 6 5786,15 7 7231 26 7 4818.62 8 6626 . 59 8 3'54.34 9 5961.45 9 2583 63 10 5229.80 10 1295.85 / ._ (( North American Life Insuranck Company. Tontine Periwi. Advantages. . .^''V,"?'' "^ " 'J'lt.'^t'* tables show, most conclusively, the flrreat iraint Life Policy 'jver , • , t i- . •" O —v^^.m- ordinury ratei of t'lsH miire from a Life Insurance Policy to the representatives of iho^e who (iie early, after compounding th. premiama paid at the high rate of TEN PER CENT FEB ANNUM. On the thr ordinary Life plan, should death occur in the first year nearly thirty time'^ ; if in the fifth year, nearly five limes ; and if in the tenth year, nearly twice the total ontlay. compounded at ton per cent, intereat it paid. The results in the 20-Year Endowment table are such as cannot be made by any eavinga bank or other financial inatitution, or in any ordinary oourae of buaineaa. The Tontine periods will be 10, 15 or 20 years, the aelection to be made by the applicant at the time of making the application; but after the Policy is issued no change can he made from one class to another. The advantages of the TONTINE INVESTMENT PLAN will comn-end it to many who would not give the sub- ject of Life Assurance any thought, or at least not a favorabU- consideration. It is alike adapted to the man of family and to him who has no one dependent upon him for supjiort. It unites the great peraonal profit to the survivor and the aure provision for his own declining yeara, and at the same tiine secures to his representatives the protection he has designed, should he be cut ofl' by early death. It effectually disposes of the objection raised by some, from families of great longevity, who are in the enjoyment of high persona] health and living under the most favorable oircumstanoea, that under the ordinary .system of Life Insur- ance, from being associated with others less fortunate than themselves in those particulars which promise or tend to long life, they are obliged io bear the burdens of the weaker and do not receive a commensurate return tor their outlay. This is the only system by which these apparent differences are equalized and they receive the maximum benefit to which their superior vitality and persistance in payment of premium entitle them. Another objec- It also meets another objection raised. It is said that tion met. whileat the timeof applying for the insurance, the main object may be the securing a provision for the family in case of death during Current objec- tion to Life In- surance met. ^^ North American Likk Insuranck Comi-any. 7 the proflnctivc period of life, yet at some suhser|iient time the ronditions may be entirely changed, through the death of those dejiendent, or their being otherwise provided for, or the circum- stances of the insured himself may so change as to make it more for his interests and those of his family to withdraw from the Company, which under the ordinary plan cannot l)e done, except at a loss. The TONTINE INVESTMENT PLAN meets such cases exactly, under the optitm of the withdrawal of accii- uiulations. The TONTINE INVESTMENT POLICY also has Adv..n.aRr ,.,,..,, ,. , . , . . , jzivcn by noothei this additional advantage over ordinary forms, in that it is the form of Policy. only class of Policy in which a CASH SURRENOEB VALUE for a fixed amount is named. 'l"o those Policyholders who complete their Tontine Periods, the Company guarantees as a minimum cash surrender-value the entire fund required by the laws of Canada, to be held as reserve ; and it also guarantees in addition, such surplus profits as may have accumxdated on the respective Tontine Policies. In this manner not only is a minimum surrender value fixed, Init it is much lar^r than could be allowed on any other form of Policy. To those who have a reasonable i)rosnect of < oiitinii- . '" T'""" '^'^ ' J ■>- •■ v^i form of insurance ing then- Policies, and are conscious of a supfrior vitality, the ''^ "''■'""'"*""•'''''• TONTINE INVESTMENT POLICY presents unmistakable ad- vantages, and to such only is it recommended. Hut where such circumstances exist, to the business man desiring sure and profitable investments ; to the professional man seeking a certain income in his advanced years, and a support for his family in case of early death ; to those wishing to secure the payment of mortgages or other liabilities ; in short, for my pur- pose for which Life Insurance is available, no other plan offers so many advantages, with such ai)solute security, as the TONTINE INVESTMENT PLAN OF THE NORTH AMERICAN LIFE INSURANCE COMPANY. To illustrate the practical working of Policies on this 'HuMrations. plan, the following estimates have been prepared. The age 35, at entry, at which the calculations are made, is selected as being a fair average age, but the results at diflTe'-^nt ages of entry, and in dififerent classes of Policies, must necessarily vary somewhat from these given, in the same manner that Dividends and J^eserves on different classes of Pu»)icies vary. s N'OKTH American Like Insurance Company. Id 1 iO t • G. ^-M If lO c CM § " < O o o O _tt i» in CO ho B -a u o a O -; 9 1 O I CO ^ o ^ in I o in §5 go in -^ oi I, .. SI o o in o o o o in in ,850, 300. 00 CM i> o o o o u 4-* 3 3 €e o o o 3 1 >» > ! c ^ rt V a •o ! 6 .^ C ' i °> = Ji 1 --J-a u ! ?!^ X -Ol t 3 ! b/ 1 S .6 'c .?^ 21 S Is •T3 Si — « C '^^ o 3 H O o a. a 9 0. o„- ■f. « v; • - 2 •- 3 _ O /■- ;" o o CO in -3 o in CO in c V -3 CM 5 o 00 o l> y -f-^ O o C^ bf 00 O CO CO n $2, o o •a CM ^ CM f 3 a. T3 C s « .5: "^ ■X} n 3 u £ 8 O oX - — - •I * o ;5 "^ o " H o o CM O 00 CM X. ^ -o u V 3 13 _ S3 /. 3 EX 3 ii a. C u >,3 SIX ^■^ ><*; •J s O 3 5- ? i, s §i o 2 e 'Si o a. a 3 •o V J2 -S : <- o S B D a. a o ■J c ~ a <4 ■5 c 11 c ja. ■a . ■<> £ a - — O c .3 u D - -^ . 3-= U U 1, >>," S. " 7> 3 3 o o'-S 1- rt r. E 5 — — r3 .2 .-. X in e >"i V -^ S ^-=-3 - 1- G.:C- at: - u ^ c 1/. ■ r 1> 4-t 3 ^ ' .r " ^ c ii * S-"C>'3 i? = i North Amertcan Life Insuranck Comi-any. 10 North American Liik iNsikANck Company. O O I e o o o o CO be .2 o o c I o •c II t. •5 .o a § «o t 5 W^ O o o o CO ■? LSI ^ j= CO -- 2 <»i •■/; >^ Oft. o o • o CO £0 u c n a, c — r 0..C *> 3 f2° o o • o o o O ^^ €0 I ^K ^ o o • o CO o M O o CO 09 V 1 •5 2^ 4. O I:! ,2^ * o o ft o o 1 3 O 5" j4. 3 « o o s in ■i a: C n ? ^- ft< U u o O q 00 -a I a 4I_ >£• U 3 "- i! II = J! I* 82 V o c o 2 3 C S O E rt c 3 V -3 C 3 — rt r. V i. . rt.2 V a 6 o u a a n >. .. 1. — 2 *-• -c '^ ^ ^ Tl i.' *> u ^ 5 3 n.' ■ - ? c ♦-' * §3. rt E « 3-rt " 5 ij— "> Si; " r" u5 ^ # . S (-• _ C ir s *.--:^ «< r a;-^ Li t S 3 >" .£ a. c North Amk,rica> Likb Insukanck. Company. n It the insured selected the Ordinay Life Policy, and kept tlie Policy in force until the coaiplction of the j)cri()(l, an(1 then took the (guaranteed surrender-value, his insurance of $10,000 for lifteen years would have cost him but $117.63 per annum ; and if he had seleected the Twenty-Year Tontine Period, hi> insurance would have cost him l)ut $ioy per annun>. Had he selected tne Twenty- Payment l.,ife Policy, xvith the Twenty- Vear Tontine Period, under similar cimditions to the above, his insurance of $lo,cx30 for twenty year.s would have cost him but $67.67 per annum or .$6.76 per $i,chx>. Had he .selected the Twenly-Vear Endowment Policy with the Fifteeii-Veav Period, under similar conditions t<' tiu- above, his insurance of $10,000 for tifleen years would have cost him but $49.53 per annum or $4.95 per $!,ooo. These amounts are all maximum costs of insurance, and are less than the rates required for insurance in any other form of Policy for similarperiods. In addition, the division of surplus accrued at the end of the respective Tontine Periods is ai>o guaranteed, and although (he esact amount of this surplus cannot be stated in .-itivance, yet the estimates given in the preceding tables show that it would VERY LAEGELY DECREASE the cost (;f insurance from the aniotuits a!)ove given. Corresjjondingly favorable- rcsult.s would be realized from tlie other benelits offered, and under any of them, the Tontine investment Plan is the most advantageous form of in- surance yet adopted, for thosr who live and keep their Policies in forci-. While much larger results than these have been approved and endorsed by some of the most com- petent and experienced Life Insurance experts, and by men of great financial and business experience, it is expressly stated that the foregoing examples are presented as estimates only, and are not to be con- sidered as promises or guarantees. The elements involved viz: mortality, interest and miscellaneous profits being variable in their nature, exact results cannot be foretold by any company. The Com[)any, however, by judicious selection of risks, arul by great care in management, will make every eftort to meet the expectations of tho.se who may select this form of ^-.y ■* .«^'' 12 North American Like Insurance Company. policy, and it is believed that profitable results can be relied upon with as great a degree of certainty as stockholders rely upon the future dividends of stock held by them in the best managed cor- porations and fmancial institutions. Ciis* This Company guarantees its policy-holders against possible loss or annoyance from resisting, contesting, or compromising the payment of death claims by making its Policies INCONTESTABLE AFTER THE LAPSE OF THREE YEARS, and issu- ing a contract of life insurance printed in large type, in plain and simple lang^uage, easily read and under- stood, and containing only such conditions as protect and secure both the Company and the Policy-holder, fairly, in all their mutual rights; the object being to remove, at the start, all causes of misunderstand- ing and make a square contract between man and man, free from the lurking technicalities that have heretofore been a cause of bitter disappointment ai 1 and loss. New York, March 23rd, 1882. William McCabe, Esq.. Manas^ini^ Director, North American Life Insurance Co. , Toronto. Dear Str, — As requested by you. I have examined your "Book of Estimates" in relation to Tontine Savings Fund Policies as issued by your Company. The assumed rates of mortality, interest and expenses, upon which the estimates of probable results have beei. based, are less favorable than the experience among Canadian Companies would have justified, while the estimates of surplus are far within the results actually realized l)y other Companies issuing Tontine Policies, and hence may be anticipated with confidence. In brief, these estimates are, in my opinion, both safe and con- servative. Very respectfully yours, SHEPPARD riOMANS, Consulting Actuary. Mr. Homans was for many years Actuary of the Mutual Life Insurance Company, of New York the largest Life Company in the world, and he originated the contribution plan of distribut- ing dividends, now so generally regarded as the most equitable ' ^".)onorar2) ^^octi^, y.>w»nnltoii. ■y* \V. E. Sani'(.k(i. 1:s<,i., Sanfuivl, Vail ,V Co. j \MKs S.'MisoN, Ksr^^., Simpson, Stuart A Co. t!. l;. t^M.j.K, (^. C, Osier, (iuyiiiV 'Irei/rl, li.nri^ters, K II. I'AKK, Ks(j., John (iairttt iv (. u. ( UN W. Ml KU)N, i'-...,, Merciianl. Ii.ii.v Kam aooI), E.mj., Merchant. t .<>. DicKSdN, Kso.. iM. A., Piiiicipal Cnl!. In.tilutf. Iv. K. Mock, '..x^., .K.lani Hope i% Co, S. I'. La/ IKK, tso., i!aui>ici. CII.AS. Mdki.AN, i:.-,v., i.alikcr. Branch Office. Equity Chambers, Hughson St., Hamilton. n F. L IIOOFEH, District Sii|)t. 5^.