IMAGE EVALUATION TEST TARGET (MT-3) 1.0 I.I ""IIIIM IIIIM - IIIIM "" y 1^ !i: lis IIIIIM .8 1.25 1.4 1.6 ^ 6^/ __ ► V2 '4^ <> CIHM/ICMH Microfiche Series. CIHM/ICMH Collection de microfiches. Canadian Institute for Historical Microreproductions Institut canadien de microreproductions historiques 1980 Technical and Bibliographic Notes/Notes techniques et bibliographiques The Institute has attempted to obtain the best original copy available for filming. 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All other original copies are filmed beginning on the first page with a printed or illustrated impres- sion, and ending on the last page with a printed or illustrated impression. Les exemplaires originaux dont la couverture en pap (meaning "CON- TINUED "), or the symbol V (meaning "END"), whichever applies. Un des symboles suivants apparaitra sur la dernidre image de cheque microfiche, selon le cas: le symbole —^- signifie "A SUIVRE", le symbole V signifie "FIN". Maps, plates, charts, etc., may be filmed at different reduction raUos. Those too large to be entirely included in one exposure are filmed beginning in the upper left hand corner, left to right and top to bottom, as many frames as required. The following diagrams illustrate the method: Les cartes, planches, tableaux, etc., peuvent dtre film6s d des taux de reduction diffdrents. Lorsque le document est trop grand pour §tre reproduit en un seul clichd, il list film6 d partir de Tangle supdrieur gauche, de gauche d droite, et de haut en bas, en prenant le nombre d'images n^cesseire. Les diagrammes suivants illustrent la mdthode. 1 2 3 1 2 3 4 5 6 A Mortality Experience OF THE Canada Lif^k Assurance Company FROM 1847 TO 1893. HAMILTON, ONTARIO : TIMES HRINTINC; COMPANY. 1895. I ^nticK/^. S/::^^^ J>/iSduy/,a^u/s ^ teed , •^a^tii//b'>i , ^)^iA , /j/ ,.'^a.»c/ , M'ffJ. A. G. RAMSAY, Esq., F. S. S., F. 1. A., Actuary and President, Canada Life Assurance Company. Deap Sir : — Pursuant to your instructioiiB, and acting under yonr directionB. I have (completed tlie Mortality Investigation ho far as at present intended for purpose of publication. With the character and scope of the work you are already familiar, and it is hoped the results brought out will be of interest and service to tlie Board of Directors and to many others interested in such an investigation. The work has been done cheerfully, and it is believed carefully, by those to whom you have assigned that duty. For valuable assistance in the graduation of the Mortality Tables I am indebted to Mr. A. K. Blackadar, M. A., F. I. A., Actuary of the Insur- ance Department, Ottawa, and to Mr. li. Henderson, B. A., A. I. A., of the same Department. While this is the first, it is hoped that it will nut be the only mortality experience, to be published by a Canadian company, for it is only by such investigations that "facts are substituted for appearances and demonstra- tions for impressions." Very respectfully, FUANK SaNDKRSON, Assistant Actuary. S''^d^6 Mortality Experience OF THK Canada life Assurance Coy. The present investigation into the mortality experience of the Canada Life Assurance Company, from its origin in 1847 to the year 1893— a period of 46 years — possesses more than a local interest. It is the first investigation of the kind that has been undertaken and published in the Dominion of Canada. It is, too, the experience of the oldest Canadian Company^ a company that has grown up with this young country, and that has become one of its recognized institutions. It is the experience of a company that has been built up slowly but securely along conservative British lines, and hence it is a better exponent of the rates of mortality in Canada than if its history were shorter, and its volume of business more rapidly and recently secured under the well-known conditions that usually prevail in America. It is, too, the first and only published experience of assured male lives for the northern half of the North American Continent. Object in View. Various companies in the United States and elsewhere have published their mortality experience, but the object in view does not in all cases seem to have been the same. In some, every policy on which any premium had been paid was included in the general observations, whether the life was "select," or "rated up," either per- manently as an under-average life, or temporarily for occupation or risk of travel. While the resulting rates of mortality may be the actual experience of the company on all its liveS; it may not be a very faithful exponent of the mortality prevailing: among lives taken as select at the ordinary rate of premium. The chief object in view in the following investigation has been to determine, for the guidance of the company in particular, and for the benefit of other companies and individuals interested, what rates of mortality have prevailed among male lives which were accepted as " healthy," " select " lives at the usual rate of premium. Then, com- paring these rates with those of the Table of Mortality adopted as the official standard, as well as with other Tables, we are enabled to state to what extent the actual exper- ience has deviated from the standard table and from other tables, and whether the contracts now being entered into can, in the distant future, be securely and equitably carried out on the present basis, or whether any change is desirable. Much light is also thrown on the question of selection, and means are afforded for various other subsidiary investigations of importance and interest. riethods of Treatment. It follows immediately from the foregoing statement, that all exposures on lives rated-up or charged any extra premium must be rigidly excluded from the general experience. The only exception to this is in the case of lives under 21 years of age, which, according to f^f praci. je jf the company, are accepted as at 21, but which, in this experience, have been taken at their true age. The female lives, which were few in number, have also been excluded. As the company has not to any extent dealt in annuities, survivorships or pure endowments, none such are included, so that the present is the experience of assured male lives accepted and continued as " average " lives. The rated-up male lives (permanent extras) have been dealt with separately. Hives charged a temporary extra for travel, etc., are not included in this experience. In deciding whether the experience should be developed upon the basis of lives or amounts, the conclusion arrived at was that while an investigation by amounts is of practical interest and of special value when the number of observations is very large, the results by lives would on the whole be preferable where, as in the present case, the number of observations is not large in comparison with several representative and standard experiences. For large experiences an investigation by amounts may be preferred, but for an individual office of moderate size, the results by lives will prob- ably be more regular, and a better guide for the futuio than those developed by amounts. Lives were therefore adopted as the basis. For ascert;.ining the necessary data, the essential particulars of each policy upon which a premium had ever been paid were written on a card of which the following is a copy : No. • System Amount, $ . Life 1/ Premium Increased . Ocatpation Dati of Birth . Entry. Exit ( ) . Day, Afonth, Year. Age. Duration, Premium Charged, $ Ordinary Premium, $ Premium Increased on account of. Remarks Although the particulars of "amounts assured," "occupation," and "cause of death " have not been made use of in the present investigation, it was deemed expedient, for future use, to embody these facts on the cards. Some progress had been made in writing up the particulars on the cards (except the durations and exits) before it was finally decided whether to adopt the well- established calendar year method or the more modern policy year method for tabulating the observations. As this is a point of considerable importance, and as the present experience is intended for the intelligent but non-professional reader as well as for 8 those who are famih'ar with the principles and methods herein described, it may be well to explain as briefly and as clearly as possible the technical difference between these two methods ; under other conditions this and several other of the detailed explanations herein might be omitted. According to the calendar year method the lives are assumed to enter the company, on the average, at the middle of the calendar year, and (where the office age is the age next birthday, as in British and Canadian companies) the lives are re^^arded as attaining the office age at the end of the calendar year of entry. Thus the interval between the average date of entry and the attainment of the stated age at entry is assumed to be six months. The first year of assurance is thus seen to contain only six months and is usually called year "O. sometimes also year "i" and some- times year " ^" According to the policy year method, calendar years are disregarded, and the risk on each life is traced from anniversary to anniversary of the policy. Thus " year of assurance i " covers the 1 2 months following the grant of the assurance ; the succeed- ing 12 months form " year of assurance 2," and so on. By this means we are enabled to allocate each death to the exact policy year in which that death occurred, and hence to determine with precision the true rate of mortality for each policy year of assurance. This is a matter of vital importance, and it constitutes the distinguishing characteristic of the policy year method. In favor of the adoption of the calendar year method for the present investigation, was the fact that it was much simpler, requiring less data to be extracted, and less time to complete the work. Moreover, this method had been adopted in most of the older and larger published experiences, such as the Combined Experience, the Institute of Actuaries Experience, the 30 American Offices, and the Mutual Life Insurance Co. of New York (1876). On the other hand, the experiences of the Amicable Society, the Eagle Insurance Co., the Scottish Amicable Society^ the Gotha Life (German), and the Connecticut Mutual, have been taken out on the policy year method. In recent years the great superiority of the polic year method, especially in the examination of the effects of selection, has been deniv .istrated. After a careful examination into all tlie advantages of each method, it was decided to adopt the policy year method. I -a* The office age at entry, /. e., age next birthday, was from the first entered upon the cards, partly by reason of the above uncertainty of tlie adoption of the calendar or policy year method, and partly because in some of the older assurances the date of birth was not obtainable. Under other circumstances the mean a,^'e, or the nearest age at cntrv, would doubtless have been adopted, and this would have avoided the reducticm of the experience from odd to even a,L,'es, as explaincul later on. An examination of various published mortality experiences has led to the con- viction that in some cases a great deal ol their value has been lessened by the absence of detailed explanations and facts which arc necessary m attempting to assign the true weight to any particular features. It has been thought desirable, therefore, on the present occasion, to state explicitly the various steps and principles involved, so that when any comparisons or investiga- tions are instituted, the underlying circumstances may be known. Classification and Reduction of the Data. The principal particulars having been entered from the office registers on the cards, these were then all carefully checked over. All permanent and temporary rated-up hves, as well as all female lives, were then eliminated from the general experience. For the reasons previously indicated the acre at entry was the office a-c I. c, age next birthday The next step was to fill in the mode of exit, and it w'iis decided to tabulate the "exits " under the four subdivisions : Existing, Matured, With- drawn and Died. The matured contain expired term assurances and matured endow- ment assurances, and the withdrawn compose lapsed and surrendered cases. It is true the matured constitute but a small portion of the whole, but in view of the uncer- tainty created by the inclusion of these as an unknown factor among the withdrawals when the rate of discontinuance is under discussion, it was thought advisable to make a separate class of them. It is not to be understood,, however, that all the matured endowment assurance policies of the company appear under the head of " matured " for, as frequently happens, if a life were still existing under a life policy, and an endow- ment assurance (upon which the risk was continuous with the life policy) had matured prior to the close of the observation.s. the endowment assurance card would have been combined with the life card, and the life assured thereunder would be classed under the head of " existing." The " exits " were all checked with the office re^risters [T lO The term policies have been, so limited in number, and have apparently exercised so little, if any, adverse influence on the mortality of the company, that it was not thought necessary to exclude them, which latter course, under other circumstances, would have been desirable. It is hoped that the separation of the matured from the withdrawn, and the publication of the data of these two classes in detail (an unusual course for an individual company) will be of service to any persons who may wish to make further use of this experience in examining the rate of discontinuance. With regard to the important question of the duration of the risks, the existing were carried to the anniversaries of the policies in the year 1893, the duration being found by subtracting the year of entry from the year 1893, thus giving an integral number of years in all existing cases. The deaths have been carefully located in the policy year in which death took place, this being an essential feature of the policy year method. The original observations being scheduled by years of assurance and not by ages at exit, the " deaths ■" were, as is usual, observed to the close of the year, thus giving the duration as an integer in each case. The age at death in the aggregate table of mortality is tlie age at entry plus the curtate duration. For the withdrawn and the matured the " nearest duration method " was adopted. When the duration was, say, n + ^ years, the | was alternately dropped and increased h \\\ the first year of assurance the duration of a withdrawal at the end of three months was taken as "O ' ; at the end of nine months as "i" year, and at the end of six months alternately as "O" and "i . A corresponding course was pursued in succeeding years of assurance. It being decided to develop the experience upon lives, the next step was to bring together all cards relating to the same life. The presence of the date of birth on most of the cards greatly facilitated the examination into cases where both Christian name and surname were the same. After the cards had thus been brought together a number of cases were discovered in \, l.ich discrepancies as to age existed by reason of the assured having given different dates of birth in different applications. In such cases (if the life were still assured) circular letters were sent out asking for evidence as to the correct date. By this means x number of the discrepancies were rectified. If the life passed out of observation by death, the age at entry was adjusted by means of the date of birth given in the claim papers. When no information was obtainable, as on lives withdrawn, it usually II happened that from the examination of the cards the dates on two or three or four cards would be the same and that on one card different. In such cases the prevailing date was adopted for determining the age at entry. In all other cases the date o( birth given on the first application was adopted, where obtainable. The next step was to examine whether or not the assurances on the same life were contmuous. Where the risk on different policies was continuous the card^ were placed m an envelope, with the proper duration and other particulars from the cards placed on the back, and these policies were afterwards treated as one continuous risk on one hfe. Thus the observations were reduced from policies to lives. From this pomt, therefore, we deal only with lives. In the next place, the cards, thus reduced, were sorted into Existing, Withdrawn Matured and Died. Each of these groups was then sorted according to age at entrJ (next birthday). Each of these sub-groups was then further sub-divided according to years of assurance. The cards in each of these final sub-groups were then counted and tabulated m the form in which they are now published. After the cards had been thus counted and scheduled, the next step was the calculation of the -'Exposed to Risk of Death To . lustrate this take age at entry 25 (Table I). There are 1765 entrants, of whom 67 withdrew within six months, that is, these 67 are composed of all the withdrawals at the end of the first quarter, and one-half the withdrawals at the end of the second quarter. As before explained, these are held not to have been under observation but are sunply recorded and used when dealing with the rate of discontinuance The remaining 1698 are, as a consequence of the ■' nearest duration method," held to have been at risk throughout the whole year. At the end of "year x " 36. pass out of observat>on--6 by death. 378 as withdrawn, and 78 as existing-leaving 1336 exposed to risk during "year of assurance .." of whom ,51 pass from observation at the end of the ycar-9 by death. 88 withdrawn and 54 existing. calcuIteV ''^^''"^ '° "'^ ' ^°' "'' ''"'"'"'"'' ^""■' ^^ •"''"'""'" ""'^ ■^^''^••Jy Range of the Experience. As indicated at the outset, the present experience covers a period of 46 years and the years of life exposed were .96,481. Hence, while the number of observations is not so great relatively as in several other experiences, the period over which the observations extend is such as to make the results of special value. The total number 12 of entrants was 35,287, of whom 55.03 per cent, were existing at the close of the observations in 1893; 37.07 per cent had withdrawn and matured; and 7.9 per cent had died. The average age at entry (next birthday) was 32.05 and the average duration of membership was 8.40 years, or 8.36 years counting the year of death as one-half year. As a matter of caution to some persons who frequently draw wrong con- clusions from such figures, it may be stated that the average duration of member- ship of those who died was 13 55 years, counting the year of death as a whole year. In the following table these averages are brought into comparison with those of three large representative experiences. Average duration of ihe Dial. Years. Averaj;e dllration of the Total Mntrams. Years. 20 British Offices (Hm) 13-50 30 American Offices 5.94 23 German Offices 9.81 Canada Life '3-55 9.22 4.40 6.52 8.40 The average duration of the died in the Canada Life was almost identical with that in the Hm. experience, and more than twice as great as in the 30 American Offices. Among individual offices the average duration of membership was as follows : Mutual Life, N. Y., 5.67 years; Mutual Benefit, N. J., 6.53 years; Connecticut Mutual, 7.98 years ; Australian Mutual Provident Society, 6.20 years. In the following table is given a summary of the data contained in the present investigation. Existing. Withdrawn and Matnred. Dieer- ship. Years. Average Age at Entry. Niimlter Percent, of Kntrants, Number. Percent, of Kntranis. Number. Percent, of Entrants. Age attanied. Akc ne,\t Birtliday. 19,419 5S'03 13,079 3707 2,789 7.90 35.287 296,481 8.40 3«-72 3205 As will be seen when dealing with the rate of discontinuance, nearly half the withdrawals belong to the first year of assurance. As a matter of record and to aid in forming some idea of the different circum- stances and characteristics of mortality experiences frequently referred to, it may be well to bring togetlier, as in the following table, the principal features of each. u o u tr; « a X u J <; cc H u a u u. Q o < P 2; a: m u J < fl f; '- 3 1^4 o o o o £ 2 o E-_s > 3 CIS 00 On CI r^ in ■o On to O o ri 10 to O -t 00 o CO OS 00 00 oo' 'O o n- Cs o 00 Cs d q fo q ,V 3 O l~, fO VO 4 ds M 00 re 00 o O 'O 00 N ro 00 6" -t 'r, •+ t ill fO O q^ SC 1^ ro rt o o Cs CO OS vO CO CO o C/2 o 4/ *- o fo CO o CO Cs Cs ro Q-=^|2 fO o to o IT) o in to O CO CO 1^ CO 00 00 CO CO o CO 00 CO CO 00 to cc 1^ CO 1- CO CO CO CO CO < < o 1) U .y a; c < J S o c o to q CO o to u-j 00 to CO ^ 3 . c/: O •a 3 ; *j -^ ^ ■' ■— ■ j: — (J c^ o 3 rt T. <; u — .!;». i::^ - *' o .i N 0: M —1 ^^ v o .L. — u 5 -a p - s rj n •c ^ > Ul u u a o r^ t^ 04 J2 S ^ ^ « H '-> c o U E 14 The original facts used in the construction of the various tables will be found in Table I., extending from age 15 at entry to 71. Table II. is a summary of the obser- vations in Table I. To assist in referring from the tables to their explanation herein, the number of the table is printed in black-faced type where first referred to. The Hortalitv Table. Having briefly explained the preliminary steps that led up to the tabulation of the data as in Tabic I., it is now necessary to state how the final aggregate table of mortality has Ix.'cn deduced. The data in Table I. was first scheduled according to "exposed " and " died '' for each age attained (next birthday). As previously stated, the age attained for the '* died " is the age at entry plus the curtate duration of the " died". Up to this point the ages are those for next birthday, and it now became necessary to deal, as is customary, with completed ages. During the progress of the investigation the cards had been sampled and it was found by various trials that the office age or age next birthday was, on an average, approximately one-third of a year greater than the true age at entry, and it was determined to use this fraction of a year in place of the usual half year in reducing the experience from fractional to integral ages. The original facts used in the construc- tion of the general table, viz. : the exposures and deaths at ages 14I, 15I, etc., will be found in Table III-, Part I., the argument being set down one-third greater than the real age. From these the values of log /"..-.j were taken out, and then by continuous addition those of log /.,._,- were obtained. The values of /,._,; were then taken out, and by differencing those oi d,_ ,^ were derived ; and the values of /, were deduced from the formula /., = /.,-■-, — 3^..-~!.- 1'^ consequence of the paucity of the data under age 20 'the table begins at age 20 with a radix of io,oco. Thus was obtained Table III., Part 2. This table is the starting point for a graduation by Woolhouse's or Higham's formula, each of which was tried. The latter was the more satisfactory, but as the values of le '?^xperience. 'I^iis has been done in Table IX. As before explained, the values of l^,d_,.,q^. and e ""c the same in both from age 74 upwards. Table X. gives the graduated experience of the Canada Life, Mutual Life and H"" excluding the first five years of assurance. It must be remembered, however, that in consequence of the calendar year process only 4^ years are really excluded in the case of the H'" and Mutual Life experiences, the rates being tiiereforc those derived from the experience after 41^ years. Whatever difference is thus created will be in favor of the two experiences just named. The results given in Tables VII. and VIII. above make it possible to construct tables of annuities, premiums and reserves for lives recently selected, and thus to measure the effect which the benefits of selection have upon the financial operations of a life assurance company. This is foreign to the present investigation, but the subject is of great importance in its bearing upon the ultimately successful conduct of any company. Observations and Comparisons. A cursory examination of the graduated mortaliiy table of the Canada Life Assur- ance Co , both for the whole duration as well as for the period excluding the first five years of assurance, will at once make it evident that the experience of the Com- pany has been remarkably favorable. This is more remarkable when it is said that the volume of new business transacted yearly has not been large when compared with many companies in America ; and further, that the whole life assurance business has always been much larger than the endowment assurance business, on the former 'of which the death loss is generally believed to be heavier than on the latter. Although neither the system nor the amounts of assurance enter into separate investigation on the present occasion, it may be well to state the relation between the sums assured on life, endowment and other assurances. This is done in the following table, which embraces the whole business of the comp.my, and from which it will be seen that at the end of 1889 the endowment assurances were less than 16°/^ of the whole life assurances, and at the end of 1893 they were i 7 i^^Yo ^^^ '^'^c latter, thus 19 showing an increased percentage of endowment assurances, but the relative amount of such assurances is not large when compared with that in many other companies in America Who'e Mfe Assurances. Kiiilowment As>urari( p All oihcr Asstiranres. Hon us Additiom. Total A-isti ranees ill Fort.e. -"■ ■•uuiiiuiii. Ill forte 3.stD.., .893... 51,027.429 8,8o.,o.6 90,545 2.783,.56 eiyollll In view of future comparisons it is well, therefore, to keep in mind (i) that the volume of business has been of continuous, but not rapid growth ; (2) that whole li^e assurances largely predominate ; (3) that only male lives accepted and continued as "average" lives are included in the present general experience. To bring into clear view the results of the tables of mortality already described a series of tables of comparison has been compiled, to which attention is now drawn By means of these it will be possible to measure to some extent the satisfactory character of th. present experience. At the same time, the characteristics and sur. roundmgs o each experience must be kept steadily in view, so that undue weight may not be attached to the conclusions which appear to follow from the comparisons. Expectation of Life. The first table of comparison is that showing the expectation of h^e. or average after-hfe time, according to various graduated tables of mortality. For the United States the expectation of life by four tables are brought into view. viz. : the American Expenence. the 30 American Offices, the Mutual Life of New York, and the Mutual Benefit of New Jersey: for Great Britain three tables-the Institute of Actuaries H ), the Equitable, and the Law Life ; for Germany one table-the Gotha Life • lor Australia one table-the Australian Mutual Provident Society. To the mterestinJ mortahty expenence of the last named company, published m 1888, an acknowled^^ ment .s due on the present occasion for some figures relating to two or thre^e experiences not easily obtainable. The expectation of life by these various tables and by the Canada Life experience will be found in Table XI. p^rience Omitting for a moment the Australian Mutual Provident experience, it will be seen from Table X . that the expectation of life by the Canada Life experien e exceed suir^t; -^ '" °'"^ ^^^^^'■^"^^^- '' '-' ^'- '^ -" ^'-'^- ^^--^i Li'e results at the insuring ages run quite close to, but below those of the Canada Life. 20 The Standard tables, eml)racin<,' the experiences of various companies, show a considerably lower expectation throii'_;h()ut than th(; Canad.i Life. For the Australian Mutual Provident Soci(;ty two columns are j^iven, one accord- ing to assumed ages and one according to true ages 'I'lie expectations of life by the former exceed those of the Canada Life, while those by the latter are less. It is not possible, therefore, from this table to s.iy which is the more favorable. Further investigation will, it is believed, show that the Canada Life experience is quite as favorable as that of the Australian Mutual Provident, if not more so, when the differing circumstances are taken into account. Other Comparisons. For the benefit of in. my persons, especially in Canada, who have not in their possession the rates of mortality of well-known mortality experiences, Table XII. is given, showing the graduated annual rates of mortality at each age according to the experiences of the Canada Life, American Experience, 30 American Offices, Institute of Actuaries (H'"), Mutual Life of New York, and Mutual Benefit of New Jersey. In the same table will be found the ratio of the Canada Life mortality at each age to that of the other tables mentioned. From this table it will be seen that the Canada Life mortality is less at all ages than that of the tables named, except from ages 51 to 65 of the Mutual Life of New York, where it is slightly greater. A comparison of this table will show that neither the American experience table nor the Institute of Actuaries (H"™ ) experience is a very faithful exponent of the mortality as experienced by the Canada Life, the first- named experience, especially, showing, for the younger ages, rates considerably in excess of those of the Canada Life. It must be remembered, however, that the rates at the younger ages in the present experience are those produced very largely by recent selection, and are, therefore, no doubt lower than would ultimately prevail. The 30 American Offices experience would seem to run more nearly parallel with that of the Canada Life than either of the other two just mentioned, As between the Mutual Life and Mutual Benefit, the latter experience runs more evenly at all ages with that of the Canada Life than the former. The experiences of these two companies (Mutual Life and Mutual Benefit) were doubtless not confined as exclusively to "average" male lives as the present experience, which would tend to make the latter appear more favorable, but on the other hand, in deducing the rates of these two companies no adjustment appears to 21 hav. bo,:n „.,c„ for re,h,c,„« the experience fr.n, frac.iunai to integral a,e.s. as wa. ,l„nc .n theca.,e ofthe ,0 An.erioan Offices" experience. Ila,! ti,is a.ljns.ment been „,n,l,. the expcr,ence of the Canada Life wouUI have appeared in con.paris.n still „,ore favorable, especally at the oMer a,,es. In the ca.se of the Mntual Life the favorable disai; peTrer"" "'" " ""'' ''' """""''' "'"'"' '° ~™'"'' "^^'^ "^ ''-"'-"y deaths (unadju ted) by rpunquennial groups of ages and the expected dea hs l.v other exr.r,ences. he exposures for integral ages attained arc derived front Table V bv- .akn,g one-tlnrd thereof, the deaths being taken to the nearest whole nutnber. Front this table it will be seen that fron, a.ge ao to 79 the total actual and expected during the first five years and Part 2 the ex[)erience after five years. To obtain the exposures in groups for integral ages attained, two thirds of the exposures for the first age in the original group arc thro''n ofi, and one-third of the exposures (or the first age (next birthday) in the next group are added on ; and similarly for the deaths — thus reducing the experience from fractional to integral ages attained. For tiie exi)eriences other than the Canada Life and the Connecticut Mutual the r.ites of mortality for the first live years are really based on only four and one-half years' exjjeriencc, in accordance vviih the calendar year method. The com- parisons in Tables XVll I. and XIX. are, therefore, in this respect in favor of the experiences based on calendar years. From Table XVII. it will be scon that tlic experience of the A. M. P. Society approaches more nearly to that of the Ca.iada Life than any of the others. During the first thirty years the total deaths in the Canada Life (all ages combined) arc 97.67, of the expected deaths in the A. M. P. Society. In Table XVIII. it will be seen thut for the first five years of assurance there is very little difference in the two experiences, even when taking the A. M. P. experience at the assumed ages, so that no real superiority for Australian lives is here shown. The Scottish Widows' I'und and Canada Life experiences during the first five years are practically identical, the actual and expected deaths being 6S0 and 684 respectively. From the comparatively large number of exposures on recently selected lives it might be inferred that the favorable character of the present experience (as shown by the aggregate or mixed table of mortality in which assurances of all durations are com- bined) wjuld not hold true when comparisons are made in which the first five years of assurance are excluded. The proportion of total exposures belonging to the first five years of assurance was 43% i» the Canada Life and 48/0 in ..he Connecticut Mutual, while the proportion of total exposures belonging to the first 4^ calendar years was 587,, in the Mutual Life, 49% in the A. M. P, experience, 417, in the Mutual Benefit, 397o in the H"' and 327^ in the Scottish Widows' Fund. In the 30 American Offices the proportion was 657o. Table XVIII., Part 2, shows that the actual deaths after five years' duration in the Canada Life are less than the expected deaths by the Mutual Benefit, Connecticut w 24 Mutual, Mutual Life, Scottish Widows' Fund and H"" experiences, a fact which establishes the superior cjuality of assured lives in Canada There is a very mirked regularity between the Mutual Benefit and Canada Life mortality after five years for each group of ages, the former being almost throughout slightly in excess of the latter, and on the whole nearly 57o i'l excess ; but it should be noted that the Mutual Benefit experience is of shorter duration than that of the Canada Life. In the experience after five years it must be remembered that as between the Canada Life and A. M. P. experiences the longer durations of the risks in the former and the rating up of the lives in the latter are disturbing factors, both in favor of the A. M. P. Society. The practice of rating up the lives in che latter company (35% of the lives being rated up) had the effect of making the mortality appear about 10% more favorable than if all the lives had been accepted at their true ages. Moreover, the large endowment assurance business had the effect of reducing the deaths by about 3%- When Table XVIII. is read in the light of these facts it cannot be said that the experience of assured lives in Australia is more favorable than in Canada. An examination of the foregoing tables will show that the experience of the Canada Life Assurance Company has been quite as favorable as that of any of the other experiences examined, if not more so. The Mortuary Statistics of Canada, as published in the Dominion Census of i8gi, show a very low death rate when compared with similar statistics of other countries. Assuming the substantial accuracy of the Census, we have here evidence that confirms the experience of the Canada Life, that Canada is one of the healthiest countries in the world. With a lower rate of mortality and a higher rate of interest than prevails in most countries, a well managed Canadian company; therefore, possesses special advantages in its claims to public patronage. - Table XIX. gives the rates of mortality for the first five yearS; and after five years, for the experiences mentioned. It is generally supposed that the benefits of selection are worn out by the end of the fifth year. To ascertain how far this is true in the present experience the rates of mortality, excluding the first five years of assurance, were compared with those excluding the first ten years of assurance, and it was found that after age 34 the rates for quinquennial groups of ages were practically the same in both. As a further coiuribution to the study of the effects of selection. Table XX. is given ,n sum.nary form only. Part I. shows the rates by quinquennial years of assur- ance and central ages at entry ; age 20, for example, being the (approximate) centre for the five ages at entry 18 to 22, the exposures and deaths being reduced to integral ages before deducing the rates of n.ortality. The rapid rise in t^he rates of mortality as the hfe grows older and furtl er away from the point of selection is strikingly shown m th.s table (Part I). For example, taking age 40 at entry, the rate for the first five r"." n ', \°' '"■ ''""'"^- ''"■ '■" ''''''^ ^^^ y^'--^ (' ' ^° '5) the rate is more than doubled, bemg 11 57 per thousand, while for the fifth five years (21 to ^5) the rate .s more than five times what it was the first five years, being 28.88 per thousand ; and after 30 years' duration the original rate, 5.08, has incre .sed to 62,77 per thousand, or more than twelve times the rate for the first five years. To wilfully ignore these facts and to mislead innocent persons by disregarding their ultimate effects, is to commit a crime against society. Part 2 of Table XX shows the rates by quinquennial years of assurance and quin- quennial groups of ages (next birthday] at exposure. This table confirms the investigations of Messrs. Sprague, King and others, viz. • that shortly after entry the lives, on the average, seriously deteriorate, but afterwards show a marked improvement. Thus, exan.ining the rates in the above-named table .t wUl be seen that while there is a sudden rise in the rates for the second five yeirs an improvement is usually shown either in the third or fourth quinquennium. The most natural explanation of this is that the large number of healthy lives withdrawing in the early years brings about a deterioration in the body of remaining lives, thus causing the higher resulting rate in the second five years, but after the effect of ^ins has worn off an improvement takes p'ace. It follows from this that if a company were to guarantee from the outset the full reserve each year as a surrender value, thus offering a temptation for healthy lives to withdraw, a serious injustice might result to the persistent members. From the mortality table (LX). excluding the first five years of assurance the commutation columns D^ and A^... have been calculated, using 4% as the rate of interest, l-rom these the values of the life annuities, a. . are at once obtained. These values will be found in Table XXI. 26 •f, ■1 t Expenence on Rated=up Lives. As previously stated, all rated-up lives wee carefully eliminated from the general experience. The ratcd-up cases were divir no two classes, viz. : permanent extras and temporary extras, the latter including c,i„cs where a loading:; or fine was imposed to cover some temporary or special risk. These latter have not been included in this investigation, but the experience of the permanently rated-up lives has been separately dealt with. Table XXII. giv-cs the result of this investigation. The number of entrants dealt with was 754, of whom 89 died. The average loading was approximately 2}i years. The experience was fiist developed according to actual ages, and afterwards according to assumed age.s, and the exposed and died then grouped by quinquennial ages at exposure. Comparison was then made with the expected number of deaths according to the company's general experience (original), and also with the H"^ experience. It was found that while the number of actual deaths at actual ages was 8g, the expected number by the company's general experience was only 75, whil- '^e expected number by the H"' table was 106. On the other hand, while the num of deaths at assumed ages was, as before, 89, the expected number by the company's general experience was 86, and by the H"" table 120. From this it follows that the management of the Company have practically suc- ceeded in the difficult task of putting the rated-up lives on an equality with the "average" lives. It will be seen also that the actual number of deaths was well within the expected number by the H™ table, even at true ages. The smallness of the data renders further investigation into this class of doubtful practical value. On the Rate of Discontinuance. When the present investigation was commenced the question of an enquiry into the rates of discontinuance was regarded as of secondary importance, but as the work progressed it was felt that the practical bearing of this question on the finance of life assurance, and the opportunity for its elucidation by means of the data now at hand, demanded that some artfention should be given to this subject. In obtaining the rates of mortality by years of assurance, we have seen that it is a necessary condition of the policy year method that the deaths should be allocated to the policy year in which death takes place. 27 If it were thought necessary to obtain with equal precision the rate of discontinu- ance, .t would have been necessary to tabulate the discontinuances in a manner similar to the deaths, i. c, in the exact policy year of discontinuance. But in view of the fact that the rate of discontinuance is less regular than that of mortality, differing accordincr to different companies, different plans of assurance and other circumstances it was thought that for the present purpose, at least, the tabulation of the withdrawals according to the nearest duration method, would give results sufficiently approximate' for all practical purposes. From the explanation given on page lo it u H be remembered that the with- drawals are made to pass from observation at the end of the policy year. In conse- quence of this the rate of discontinuance is determined as at the end of the year ind not m the year. The function tabulated, therefore, is not exactly the same as in lome other experiences. In obtaining the exposed to risk of discontinuance the deaths have been deducted from the exposed to risk of death, thus giving the exposed to risk of discontmuance at the end of the year. For example : in " year of assurance i " there were 34,046 exposed to risk of death (all ages combined) and 1 12 deaths. Subtracting these deaths, we get 33,934 exposed to risk of discontinuance, and it is found that 4.836 withdrew at the end of year i. The percentage of discontinuance is, therefore 14-25. This IS, therefore, the proportion of lives that do not pass on to the second year. Similarly with succeeding years. These particulars will be found in Table XXIII. The nearest duration method makes it difficult to deal satisfactorily with the first year of assurance, as there are a number who pass from observation at the end ot the first and second quarters, the majority being at the end of six months. In addition to the discontinuances at the end of year i, we have therefore to deal also with these quarterly cases, which, as explained on page 10, are composed of all the withdrawals at the end of the first quarter and one-half of those at the end of the second quarter. In the absence of any more approved method these have been placed under " year o," and the exposed taken as the total number of entrants. In grouping any number of years of assurance together to obtain an average annual ratio of discontinuances, the exposures under year o have been divided by 2. Table XXIII. gives the exposed and discontinued by years of assurance for all ages combined and the per cent, discontinued ; also the expected discontinuances by the 28 experience of the Connecticut Mutual on premium -paying life policies. The discon- tinuances were treated similarly in these two experiences, except that the compulsory withdrawals (matured term and endowment assurances) were separately dealt with in the Canada Life investigation, but in the comparison in Table XXI II. the percentages for the Connecticut Mutuul are those based on life policies, so that no matured term or endowment assurances enter into the question. An examination of this table will show that the discontinuances are considerably lower in the Canada Life than on the above mentioned section of the Connecticut Mutual experience. To form some relative idea of the rates of discontinuance in other experiences Table XXIV. is given, showing the rates by the Mutual Life, Australian Mutual Provident, 30 American Offices, H™ Table and 23 German Offices, the rates for the last two being extracted from Mr. McClintock's essay, " On the Effects of Selection," except that for year o in the H">, the annual rate 2.7 has been supplied from other sources. The function tabulated in this table is not quite the same as in Table XXIII. Moreover, the rate tabulated by the Mutual Life of New York is based on the exposed to risk of death, while in the others one-half the deaths are properly deducted from the exposed to risk of death before deducing the rate. But the actual change in the rates by reason of these differences is probably too small to invalidate any general conclusions drawn from a comparison of the figures in these two tables. The comparatively large number of discontinuances in and at the end of the first year in the Canada Life Assurance Company seems to a considerable extent due to the practice of writing policies quarterly and half-yearly when requested. Besides, the period of severe competition for new business is included in the present experience and this will have considerable weight on the first year's withdrawals. After year 2 the experience follows very closely that of the H"^ table. In the early years of assurance of the A. M. P. Society the rate of discontinuance is favorably influenced by the non-forfeiture conditions of that company's policies, but after the eighth year the Canada Life shows a considerably lower percentage of discontinuances. Allowance has to be made, however, for the effect of matured endowment assurances in the later years of assurance in the case of the A. M. P. Society. From years 2 to 8, inclusive, the discontinuance experiences of the Canada Life and Mutual Life are very similar, but from year g onwards the proportion is consider- ably less in the case of the Canada Life ; while throughout the first fifteen years 29 it is much more favourable than that of the 30 American Offices. On the whole, therefore, it may be said that the Canada Life Assurance Co. shows a very favourable experience as regards discontinuances. It is sometimes maintained that the rate of discontinuance is sufficiently regular in different companies to give effect to its influence in calculating premium rates. While it is not impossible to take into account the discontinuance rate as well as the death rate in calculating premiums, yet in view of the varied circumstances that go to influence the witlidrawals, it would be necessary to use such a conservative estimate for fuiure discontinuances that it is very doubtful if the consequent reduction in premiums would compensate the assured for the loss of privileges enjoyed under the present system. In view of the many fallacious arguments used in Canada and the United States as to the rate of discontinuance and the effect thereof, it may be well to emphasize the fact that out of 12,891 discontinuances in 46 years of the Canada Life experience 6,077 withdrew within one year (or at most within one year and a half) from entry. Now, when the cost of procuring these assurances is considered— the medical fee, the agent's commission, issue of policy, and the proportionate amount of other general expenses, together with the cost of carrying the risk— it cannot truthfully be said that a company makes large gains from these lapses. Omitting, therefore, the lapses of " year i," it will be found that the average per- centage of discontinuances per year after year i is only 2.62, after year 2 it Is only 2.17, after year 3 it is 1.S7, after year five it is only 1.48, and after this it continues to decrease to o. When to these facts we add that an equitable, if not liberal cash surrender value, is allowed when a policy has been a {q^- years in force, it will be seen that the frequently made assertion as to immense sums of money being made from lapses is not well founded. Indeed, it is doubtf; ' if the surrender charge much more than compensates an office for the loss of lives which as a rule are healthy and whose loss produces a deteriorati .1 on the body of remaining lives. In this connection it is only necessary to refer to Table XX.. Part c, and to the remarks thereon on page 25. The rate of discontinuance depends not only on the period since entry, but also upon the age at entry. This is made manifest by Table XXV., in which the experi- ence is arranged according to quinquennial ages at entry and quinquennial periods of assurance. From this table it will be seen that the percentage of discontinuances decreases not only with the duration of the assurance, but also with the increase of 30 i'i'' 11 age at t-ntiy. In this table the discontinuances of" year o " are included in those of the first five years, the exposed for "year o" in each group being taken as one-half the number of entrants. A summary of the abovr-mc-ntioned table is here given : Ages al F.ntry. 20 24 25 29 30 34 35 39 40 44 45-49 50 54 55 59 60 and over. Per cent. Discontinued. (Whole Dilution.) 4.88 4.16 3.86 3.6. 3-34 3-39 323 3-75 .\verngc. 4.14 I)ur.ttion. ist 5 years . . 2nd 3rd " 4th 5th " 6th Over 30 years Per cent. Discontinucil. (All ARfs over 19 Cumbiiied.) 7.21 215 1. 19 .80 .68 •50 •50 4.14 The experiences of the Mutual Life of New York and the Australian Mutual Provident Society are also given for convenience in Table XXVI. , in groups of quin- quennial ages and durations, similar to those in Table XXV. As previously indicated, the function tabulated for these two companies is not quite the same as in the case of the Canada Life ; but what is more important, the matured endowment assurances are included under the head of discontinuances. As the tables stand the proportion of discontinuances is considerably less in the Canada Life than in either of the other two companies, especially in the 3rd, 4th and 5th quinquenniums. The higher rates in the case of the Australian Mutual Provident experience for the later years of assurance are partly accounted for by the matured endowment assurances ; but it is impossible to measure the exact effect of these on the rates of discontinuance. In the Mutual Life experience no term risks had for many years been t-.ken, and very few endowments had matured prior to the close of the observations in 1873, so that the comparison is here more analogous. Moreover, the period of keen competition for new business, and of wide expansion, had not commenced when the Mutual Life experience was taken out. Acting under conditions, therefore, somewhat similar, it appears that the discontinuances in the Canada Life, after the first five years of assur- ance have been less than in the case of the Mutual Life experience The importance of separating the compulsory from the voluntary withdrawals in any investigation into the rates of discontinuance has been made manifest, and uncer- tain if not erroneous results will be brought out where this is not done. ; > ! 31 The Diagrams. The diagrams appended to this report .i^ive a graphic ilhistration of some of the tables already referred to. The first four diagrams are based on Table XIII, and exhibit the relation between the actual deaths in the Canada Life and the expected deaths by the experiences of the Institute of Actuaries (H">), the American Table, the 30 American Offices, and the Mutual Life of New York, respectively. Diagrams five to seven illustrate Table XVIII., Part 2, the actual deaths in the experience after five years compared with the corresponding expected deaths by the H'", Scottish Widows' P""und and Mutual Life Experiences. Diagram eight, which is based on Table XII., brings into clear view the diverg- ence between the graduated mortality tables of the Institute of Actuaries (H"'), the American Experience, the 30 American Offices, the Mutual Life and Mutual Benefit on the one hand, and the graduated table of the Canada Life on the other. Conclusion. In concluding this introduction to the succeeding tables the following considera- tions suggest themselves : 1. From an examination of the comparative tables already referred to, it appears that the quality of assured male lives in Canada, us evidenced by the Canada L'fe experience, is not surpassed by that in the United States, Great Britain, Germany or Australia. 2. None of the various individual companies examined and referred to herein show a more favourable mortality experience than the Canada Life Assurance Company. 3. This favourable experience is not confined alone to the early years of assur- ance, but is maintained when the first five years of assurance are excluded. Indeed, the low rates both of mortality and discontinuance in the period alter five years' duration are noticeable characteristics of the present experience. 4. As a consequence of these facts, and of the higher interest rates obtainable in Canada than in most countries, it follows that a well managed Canadian life assurance comjjany possesses special advantages for assurers. 5. Although the rates of mortality at various insuring ages as shown by the Canada Life experience is more favorable than that looked for by the Government 11 ' 32 standard, tlie great caution exercised by the Company in the acceptance of lives and the care manifested in the selection of risi 23 24 25 I 1 1 I i! ' 3 3 2 1 27 , , 28 2 29 T 30 1 I 2 31 . , 32 33 34 35 . , 1 1 1 36 . . .. 1 37 38 39 40 , . . . 41 42 , , 43 ! I ■• 1 I 5 I ■ I 1 4 5 ! 83 8 : 14 ■ 117 TABLE I. Continued. AGE AT ENTRY 17 <\cxt Diuh.i.y i AGE AT ENTRY 18 (N«t ninh.i.y.) NUMBER OF ENTRANTS 37 NUMBER OF ENTRANTS 92 \'i»rH Years Assurance of Assurance „ . Exii ling. Ma- lurcd With, (trawn. Dii.l 1 l-olal. Kxpo Risk uf Dcaih. Existing. Ma- tured. With- drawn. Died. Tolal- Kxposcd to Kisk, if Death. 2 2 I 7 4 II 37 I 9 II 20 90 2 I I 2 26 2 9 4 13 70 3 S 2 7 24 3 3 3 7 57 4 2 I 3 '7 4 10 10 5° 5 I I 2 14 5 4 4 40 6 I I 12 6 I 3^' 7 3 3 1 1 7 4 4 35 8 8 8 3 3 3' 9 s 9 28 10 8 10 27 IT 8 II , . 26 12 ' 8 12 25 13 8 13 23 14 8 14 23 15 8 15 23 16 8 16 I 23 17 I 8 17 I I 22 18 I I 7 18 I 21 19 6 19 19 20 t . 6 20 1 19 21 6 21 19 22 . . 6 22 18 23 ! 6 23 2 2 18 24 2 2 6 24 4 4 16 25 . . . 4 25 I I 12 26 I ^ . I 4 26 I 3 II 27 i I . '} I 3 27 I 8 28 , . 1 2 28 I 7 29 2 29 I I 6 30 2 30 5 31 2 31 5 32 2 32 5 33 • 2 33 1 5 34 * /> 34 5 35 36 2 35 5 T 36 I 5 37 2 37 I 38 2 38 2 39 2 39 1 40 2 40 41 I 2 41 42 ' I 42 I 43 ; ■ 1 44 I 45 I I 1 2 5 10 2 37 307 60 26 6 92 849 TABLE I. Continued. AGE AT ENTRY I9 (NVxi iii,,i„i;,y.) AGE AT ENTRY 20 (N-,, iii„hday.) of Assurance I 2 3 4 5 6 7 8 9 10 II 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 NUMBER OF ENTRANTS 227 Existing. -'3 17 18 25 14 10 3 '5 I 2 3 I I I I I I I Ma- tured. With, drawn. II 3 7 I 3 4 157 62 Died. Total. II 53 33 36 36 IS 13 7 15 6 2 3 4 3 I t 3 3 3 I I 3 I I I I 1 i 1 8 227 : 1346 Exposed tti KUk of Oeath. 216 141 "5 89 74 61 54 39 3i 3' 28 24 24 21 20 20 20 20 •7 17 •5 1 2 1 1 10 8 7 6 S 4 4 4 .1 3 Neurs of A«urance I 2 3 4 5 6 7 8 9 10 II 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 ! NUMBER OF ENTRANTS 504. "-'"""S'ltu^'J. 4« 37 36 44 25 24 22 21 7 4 8 8 3 2 I 2 I 5 4 5 2 3 328 With, drawn. 23 81 It 9 1 1 6 3 4 3 3 I 159 Died. 17 Total. 23 124 48 46 56 31 37 37 25 10 8 5 8 10 3 4 3 2 3 3 I 2 5 4 5 3 3 2 504 Expofted In RUk nf Death. 481 357 3°9 265 207 176 149 122 97 87 79 74 66 56 53 49 47 45 42 39 38 38 36 3' 27 23 '9 16 '4 '4 14 10 ID 9 8 7 6 4 3 3 2 2 2 I I 3135 TABLU I. Continued. AGE AT ENTRY 21 (Nc liinhJay.) AGE AT ENTRY 22 (N"i Hiniuiuy.) NUMBER OF ENTRANTS 1503 NUMBER OF ENTRANTS 1508. Vcar» Vfftm f iif Assurance Kxisiint;. Ma- tured. With- drawn. Died. Total. Kxposptl la Kisk Mf Dralli. \Hsurnncr KxiHtiiiK. Ma- tured. With, drawn. Died. 1 ToUl. Kxposed to Ri.sk uf llcalh. .. .. 47 47 1 68 . , 68 I 8o I 220 3 304 MS'"' I 86 •240 6 332 1440 2 52 57 II 120 I'S-' 2 53 81 6 140 1108 3 58 57 7 122 1032 3 i 66 45 8 119 968 4 1 10 36 3 150 1/10 4 75 34 6 >'S 849 5 47 3f' V 92 760 5 .,6 30 8 84 734 6 61 •9 7 87 668 6 •12 17 I 60 650 7 42 JS 6 j 63 58' I ! 61 18 a 81 590 8 43 12 ; 59 5>8 8 47 II 5 63 509 9 43 8 3 54 •r59 9 37 7 3 47 446 10 54 7 3 64 405 10 33 8 I 42 399 II 41 2 6 49 34' II 31 3 9 36 357 12 28 3 , , 31 292 12 33 5 3 41 321 13 23 I 2 26 261 13 28 4 2 34 280 14 25 2 I 28 235 14 28 4 I 33 246 15 30 , , 30 207 15 28 2 I 31 2 '3 i6 '9 I 3 23 177 16 14 2 16 182 17 22 , , I 23 '54 17 .8 ■ 3 21 166 i8 18 I 3 22 131 18 19 I 2 22 '45 19 16 2 19 ICIJ 19 12 I 3 16 123 20 16 I 17 90 20 9 10 107 21 20 , , . • ; 20 73 21 22 22 97 22 16 I 17 53 22 16 1 17 75 23 14 14 36 23 18 18 58 24 5 I 6 2 2 24 1 1 11 40 25 16 25 6 7 29 26 I 16 26 2 3 22 27 2 3 15 27 I I '9 28 , » . . 12 28 2 3 18 29 2 12 29 1 I '5 30 I 10 30 1 2 14 31 . . 9 31 3 3 12 32 2 9 32 2 2 9 33 I 3 7 33 2 2 7 34 4 34 2 2 5 35 . . I 4 35 36 3 36 3 37 I 3 37 1 38 , . 2 38 I 3 39 I 2 39 '> 40 I I 40 41 42 43 44 1 '' . ■ • ■ .. 2 2 2 2 j 895 4 529 75 1503 10247 856 !583 69 1508 10277 TABLH I. Continued. AGE AT ENTRY 23 (N,x, nir.i,.i.y. AGE AT ENTRY 24 (Nexi iiinhdny.) TABLE I Continued. AGE AT ENTRY 25 (Next Itirtlulay.) AGE AT Er ^TRY 2 6 (Next Birthd.iy.) NUMBER OF ENTRANTS 1765 NUMBER OF ENTRANTS 1730. Years Years of Assurance of Assurance Existing. Ma- tured. With- drawn. Died. Total. Exposed to Risk of Ueath. Existing. Ma- tured. With- drawn. Died. Total. Exposed to Risk of Death. 67 ^^7 55 , . 55 I 78 278 6 362 1 698 I 78 281 6 365 1675 2 54 88 9 151 '336 2 41 I 99 6 147 13IO 3 54 52 6 112 1185 3 46 I 66 8 121 1163 4 84 36 2 122 1073 4 80 31 8 119 1042 5 56 29 6 91 95' 5 56 38 94 923 6 42 30 3 75 860 6 47 25 I 73 829 7 35 18 6 59 78s 7 39 1 2 6 : 57 756 8 5' 13 4 68 726 8 36 1 1 2 i 49 699 9 54 9 3 66 ■58 9 55 12 8 1 75 650 10 44 11 6 61 5') 2 10 57 12 2 1 71 575 II 44 7 2 53 531 II 34 6 3 ' 43 504 12 54 5 2 61 478 12 53 9 6 68 461 13 51 6 3 60 417 13 46 3 4 53 393 14 31 3 1 35 357 H 26 3 2 31 340 IS 27 4 I 32 322 15 21 4 3 i 28 309 I6 27 . . . . 4 31 290 16 23 I 1 25 281 17 25 , . 2 2 29 259 17 23 3 26 256 i8 22 I 24 230 18 27 3 3 33 230 19 20 2 23 206 19 28 6 2 36 197 20 18 . . 19 183 20 22 2 1 25 161 21 29 I 31 16-1 21 20 3 26 136 22 26 2 28 133 22 15 3 18 no 23 >9 2 22 105 23 25 27 92 24 9 , , . . 10 83 24 7 I 8 65 25 13 I I 2 17 73 25 4 I 6 57 26 4 2 6 56 26 7 . . I 8 51 27 4 , , 4 50 27 2 3 43 28 4 I I 6 A 6 28 8 . . 8 40 29 6 . . I 7 40 29 3 2 5 32 30 3 I 2 5 33 30 1 I 2 27 31 3 I 4 28 31 2 3 5 25 32 3 3 24 32 2 2 20 33 6 6 21 33 3 4 18 34 I I '5 34 I 2 4 14 35 . , . . I 14 35 . . 10 36 . , . . I 13 36 I 1 I 10 37 I 12 37 2 2 9 38 I IT 38 I 1 7 39 . . 2 10 39 I I 2 6 40 I 2 8 40 3 3 4 41 6 41 I I I 42 I 6 43 I 1 5 44 2 2 4 45 2 80 2 2 92 lOII ' 673 1765 14099 94* 2 690 1730 I353I TABLE I— Continued. AGE AT ENTRY 27 (Next Birthday.) Years of Amu ranee AGE AT ENTRY 28 (Nex. Birthday.) I 2 3 4 5 6 7 8 9 10 II 12 13 14 15 I6 17 I8 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 991 Kxisiing 79 48 50 66 59 41 40 4 7 48 47 48 39 47 49 '3 25 26 23 26 22 16 18 30 9 9 7 7 I 6 3 5 ,S I 1 3 3 I 3 2 3 2 2 NU.. ;ER OF ENTRANTS 1762 Total, Ma- With- turcd. drawn. 75 263 lOI 71 26 34 18 18 16 5 5 6 10 3 5 5 3 I I 2 2 2 3 680 Died. 88 75 350 '56 124 97 98 62 64 67 60 53 58 52 51 55 20 30 29 25 32 25 20 22 36 1 1 II 7 7 I 10 4 5 6 I 10 I 4 I I 3 4 I 5 3 3 2 2 Exposed to Risk of De.iih. I 68 7 1337 I181 1057 g6o 86 2 800 736 6()9 6og 55^' 498 446 395 340 330 290 261 236 204 179 159 137 lot 90 79 72 65 64 54 5° 45 39 29 25 24 23 20 16 15 10 7 7 4 2 1762 14760 Vcars of Assurance I 2 3 4 5 6 7 8 9 10 II 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 NUMBER OF ENTRANTS 1738. Kxisting. 78 52 44 68 37 51 46 51 49 46 43 46 48 26 29 •9 20 2.'! •;4 '9 33 28 33 6 10 9 6 1 2 2 I 3 9 2 2 I 3 3 3 I 5 Ma. With- liired. drawn. 63 238 85 68 39 35 24 16 18 II II 8 6 4 3 3 I 2 I 2 3 Died. 5 8 4 2 8 6 9 9 4 5 3 7 I I I 2 I I 5 3 I 3 2 I 3 r I I 2 I Total. 63 320 142 120 III 74 83 68 78 69 61 56 51 61 31 33 23 23 25 26 26 39 32 36 8 II 12 6 3 3 3 3 4 9 2 2 I 4 4 3 I S 985 5 643 105! 1738 Exposed to Risk of Death. '^75 1355 1213 1093 982 908 82s 757 679 610 549 493 442 38 r 350 3'7 294 271 246 220 194 155 123 87 79 68 56 50 47 44 41 38 34 25 23 21 20 16 12 9 8 3 3 2 3 14820 TABLE I. -Continued. AGE AT ENTRY 29 (Next Birthday.) AGE AT ENTRY 3O (Next Birthday.) Years of NUMBER OF ENTRANTS 1655 Years NUMBER OF ENTRANTS 1587- Assurance Existing. Ma- tured. With- drawn. Died. Total. Exposed to Risk of Death. of Assurance Existing. Ma- tured. With- drawn. Died. Total. Exposed to Risk of Death. . , . , 57 , , 57 1 50 50 I 72 224 I 297 '598 I 70 217 4 291 1537 2 52 87 9 148 1301 2 53 i . . 83 6 142 1246 3 57 49 10 116 1153 3 49 5° 4 103 1104 4 73 34 5 112 1037 4 46 28 8 82 lOOI 5 6 40 36 3 79 925 5 41 34 3 78 919 37 20 6 63 846 6 38 1 .. 28 6 72 841 7 8 35 16 7 58 783 7 46 31 6 83 769 44 12 4 60 725 8 49 15 2 66 686 9 37 6 7 50 66s 9 4r 13 I 55 620 10 37 I 5 3 46 615 10 42 5 6 53 565 II 48 I 10 4 63 569 II 25 I 7 33 512 12 51 4 5 60 506 12 43 5 S 53 479 13 46 7 4 57 446 13 40 6 46 426 14 35 4 3 42 389 14 31 3 4 38 380 15 16 30 4 I 35 347 15 20 5 7 32 342 26 7 3 36 312 16 20 2 5 27 310 17 18 24 2 I 27 276 ^l 27 4 5 36 283 21 2 I 24 249 18 21 3 3 27 247 19 25 3 28 225 19 16 5 3 24 220 20 14 2 16 197 20 19 5 25 196 21 27 2 2 3 34 181 21 19 3 3 25 171 22 14 I 2 17 '47 22 20 22 146 23 17 I 18 13c 23 16 19 124 24 14 I 15 112 24 15 20 105 25 26 6 I 2 9 97 25 9 ir 85 5 4 9 83 26 6 7 74 27 5 I 4 10 79 27 4 5 67 28 6 I 7 69 28 4 5 62 29 6 I I 8 62 29 5 6 57 30 3 2 5 54 30 1 5 51 31 3 I 2 6 49 31 4 4 46 32 4 I 2 7 43 32 6 8 42 33 4 2 6 36 33 2 2 34 34 , 5 2 7 30 34 •^ 7 32 35 i 3 3 23 35 25 36 I I 20 36 I 2 4 25 37 ! 2 2 19 37 2 2 21 38 i I 2 17 38 2 2 '9 39 I 2 15 39 i 4 4 17 40 2 2 •3 40 ! 2 3 '3 41 I 2 1 1 41 : . i I 10 42 3 3 9 42 i 3 3 9 43 3 3 6 43 1 , . I 6 44 3 44 I , , 2 5 45 2 2 3 45 T I 3 46 I I r 46 i 1 i 2 108 2 2 13934 943 5 594 "3 1655 I4481 872 9 598 1587 TABLE I — Continued. AGE AT ENTRY 3I (Next Uinhday.) AGE AT ENTRY ^2 (N«t limhd.iy.) Years of Assurance! NUMBER OF ENTRANTS 1619. Exisi ing. I 2 3 4 5 6 7 8 9 10 I II 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 i 34 j 35 36 ! yj 38 39 40 41 I 42 ' 43 i 44 69 58 49 63 37 36 47 34 36 43 38 40 34 29 '5 22 26 26 17 23 31 17 25 13 7 7 6 2 6 3 2 4 5 Ma- tured Wiih- clrawii. 64 241 89 54 32 38 23 21 18 9 5 3 5 4 4 3 2 2 I I 2 2 Died. Total. Exposed to Risk of Dealli. 64 314 '54 104 102 81 64 72 57 46 54 46 48 39 36 18 27 33 27 23 28 Z3 19 27 17 10 10 8 3 10 5 4 7 9 5 2 I '555 1 24 1 1087 983 881 800 736 664 607 5C1 507 461 4'3 374 338 320 293 260 210 182 '49 130 103 86 76 66 58 55 45 40 36 29 20 15 '3 I 2 12 Years of Assurance NUMBER OF ENTRANTS I516. Existing Ma- tured. 3 4 5 6 7 8 9 10 II 12 13 14 15 16 ' 17 ! 18 I 19 I 20 I 21 ' 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 4C i 41 42 43 44 45 46 61 40 i^ 53 42 35 37 33 44 42 25 44 34 35 20 16 '4 '5 28 20 25 '9 '7 '3 4 10 13 8 2 4 4 5 4 3 I 2 5 2 I With- drawn. 63 219 77 50 40 24 23 17 13 1 1 5 6 6 6 5 I 3 2 I Died. 2 8 7 5 3 I 3 5 6 4 3 3 3 2 3 4 4 2 2 4 3 3 3 I 3 I 2 I 2 I I I 3 3 Total. 63 282 '25 90 98 69 59 57 51 61 52 34 53 ^3 42 24 23 20 22 3' 26 28 22 23 15 7 12 15 9 5 5 5 7 7 6 2 5 2 I 3 I I I 3 3 I 885 Exposed to Risk of IJeaih. 1453 II71 1046 956 858 789 73° ^73 622 56' 509 475 422 379 337 290 270 248 217 191 163 141 118 103 96 84 69 60 55 50 45 38 3' 25 23 21 16 14 '3 10 9 8 7 4 I 14 625 95 1619 13688 824 578 105 I516 ! I3714 r TABLE I. Continued. AGE AT ENTRY 33 (nvm iiiniiday ) AGE AT ENTRY 34 (Next 1 inhJaj ) Years of Assurance NUMBER OF ENTRANTS I378. Existing. I 2 3 4 5 6 7 8 9 10 II 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 37 45 40 50 36 30 30 26 36 30 26 35 35 26 25 21 12 24 8 22 20 19 '3 13 4 4 10 I I 2 6 2 2 I I 2 707 Ma- tured. With, drawn. 50 204 74 42 27 26 30 14 '7 12 7 5 5 3 9 4 2 I 5 2 4 549 Died 3 6 4 9 5 6 8 7 5 2 2 13 3 2 3 3 4 I I t 2 Total. 50 244 >25 86 86 68 66 52 50 S3 39 33 55 41 28 37 28 20 28 10 27 23 25 13 >S 4 6 12 5 5 6 7 3 3 4 3 4 5 I I 2 2 I I 3 "4 :; 1378 Exposed to Risk of Death. 13 28 1084 959 873 787 719 653 601 55' 498 459 426 373 304 267 239 219 191 181 154 131 106 93 78 74 68 56 51 46 40 33 30 27 27 23 20 16 II 10 9 7 5 4 3 12166 VeatM of \ssurance NUMBER OF ENTRANTS I278. E-'-«- tu"l With, drawn. I 2 3 4 5 6 7 8 9 10 II 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 35 40 4J 29 25 38 38 34 35 28 24 30 21 17 12 21 14 5 21 18 20 14 8 8 3 9 6 3 I I 3 3 I I 4 I 2 4 I I 667 12 40 154 74 52 3' 24 •7 18 14 10 6 8 3 7 8 2 I 2 481 Died. 4 4 13 6 7 3 4 4 2 7 2 4 3 2 7 5 I 5 4 I 4 I 2 3 I 2 3 I 4 4 118 Total. 40 204 "3 104 78 60 46 60 56 46 50 38 31 40 3' 26 19 25 22 9 22 26 24 19 12 9 6 12 7 7 6 I 3 3 2 2 4 2 2 6 2 I X Exposed to Risk of Death. 1238 1034 921 817 739 679 633 573 517 471 421 383 352 312 281 255 236 211 189 180 •58 132 108 89 77 68 62 50 43 36 30 29 26 23 21 »9 15 '3 1 1 5 1278 I 1464 WWWPI^BWPIW— TABLE I. Continued. AGE AT ENTRY 35 (Next Hinlulay.) / Years of Assurance 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 ; 31 32 , 33 34 I 35 I 36 I 37 38 I 39 I 40 i 41 I 42 43 44 45 AGE AT ENTRY 36 (N«. Birthday.) NUMBER OF ENTRANTS 1231 Existing. 40 36 33 39 44 19 26 23 33 32 27 37 24 18 27 17 18 21 14 17 13 27 15 8 8 5 7 I I 2 649 Ma- tured. 15 With- drawn. 41 64 36 30 28 23 IS 13 9 8 7 9 5 7 2 6 2 I 2 I 2 I Died. 2 2 I 4 6 8 8 2 5 2 7 5 2 7 6 r 3 5 3 2 4 2 I I I 3 2 I Total. 41 '93 70 73 78 49 38 47 42 41 SI 31 32 38 24 23 27 17 24 20 31 18 9 13 S 10 4 2 3 I I 2 I 2 2 I 466 I lOI I 1231 Exposed to Risk of Death. I 190 997 892 822 749 67, 621 572 534 487 445 404 353 322 290 252 228 205 178 161 '37 i'7 86 68 S9 46 41 31 27 25 22 21 12 I 2 I I 9 8 T) 4 3 'J 3 2 I III39 Vean of ,\ssurance I 2 3 4 5 6 7 8 9 10 II 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 NUMBER OF ENTRANTS II45, n 605 Existing. .^'** * tured. 39 24 41 40 29 29 22 28 34 25 26 29 34 '9 22 10 16 '7 '3 10 17 17 14 1 1 5 4 4 3 2 4 3 2 I ! . I r \ I 2 I 2 I ■■ i With- drawn. 46 68 38 26 19 •S 13 II 6 5 S 7 5 I 6 3 2 3 I 8 435 Died. 8 7 3 4 4 6 2 6 4 4 3 3 I I 4 2 2 3 3 I I 2 I 4 I S Total. 46 198 99 82 70 S2 SO 37 45 44 35 34 39 40 23 32 IS 20 23 IS 17 18 18 16 14 9 5 7 4 4 4 5 4 3 I 3 2 2 2 3 4 Exposed to Risli of Death. 1099 901 802 720 650 598 548 511 466 422 387 353 3'4 274 251 219 204 184 161 146 129 I II 93 77 63 54 49 42 38 34 30 25 21 18 «7 '4 12 10 8 5 I I 97 1 1 1 145 ' 10064 TABLE I Continued. AGE AT ENTRY 37 (Nmi Dinhday.) AGE AT ENTRY 38 (Next Dinhday.) Years of Assuranc NUMBER OF ENTRANTS 1077. Years of .Assuranc NUMBER OF ENTRANTS 990. Existing. Ma- tured With- drawn. Died. 2 Total. Exposed to Risl( of Death. e Existing 36 Ma- tured With- drawn. 1 Died Total. ExjKjsed to Risk of Death. I 36 33 146 33 184 1044 I 40 123 2 40 161 950 7«y 695 638 2 3 4 37 28 36 26 I I 62 30 24 4 3 104 59 63 860 697 2 3 4 28 28 36 ! • • 63 24 '9 3 S 3 94 57 58 I 19 5 SO 634 5 25 19 I 1 "^ i 45 580 24 36 :; 13 12 6 4 43 52 5«4 54' 6 7 18 23 13 16 4 ! 35 !i 39 535 500 461 23 9 4 36 489 8 23 14 6 i 43 9 22 6 2 30 453 9 IS 3 3 21 418 10 II 31 18 ' ' 4 7 7 I 42 26 423 10 II 24 22 8 6 3 2 35 30 397 ■162 12 28 4 2 34 355 12 21 6 27 .3 13 25 3 I 29 32' 13 i 25 I 2 28 JO 30 s 14 22 2 5 29 292 14 17 4 4 25 277 \l 25 '5 , . 4 I 7 36 16 263 227 15 16 20 19 4 2 4 28 21 252 224 17 18 1 14 2 3 19 211 17 16 2 2 21 203 182 13 I 1 IS 192 18 15 I 3 19 19 9 2 1 1 177 19 15 . , 2 17 163 146 20 12 2 4 18 166 20 14 , , 3 18 21 '9 I 2 22 148 21 II 5 17 128 22 18 2 4 24 126 22 21 3 26 1 1 1 23 23 2 6 31 102 23 14 I 3 19 85 24 7 ' I 9 71 24 9 . , 2 12 66 26 4 6 . , I I I 5 8 62 57 25 26 6 3 7 54 5' 44 35 34 27 28 3 , , 4 1' 4 4 49 45 27 28 8 I 9 I 29 2 2 4 41 29 2 6 30 2 37 30 . . . , 28 31 S 35 31 2 3 28 32 4 30 32 3 5 25 33 I 2 26 33 3 5 •J 20 34 3 24 34 . . 15 15 14 35 36 . , ' • I 21 21 35 36 I I I 3 37 2 20 37 2 3 1 1 38 I 18 38 2 3 8 39 I 4 17 39 5 5 4 40 3 3 13 40 I , , I 41 2 I 3 10 41 I 42 3 3 7 42 , , 1 3 2 43 2 3 4 43 I 44 I 44 I I 1 45 I 7 95 I 1077 I 583 392 10052 531 4 373 82 990 9201 mm^ HH TABLE 1 — Continued AGE AT ENTRY 39 (Next Birthday.) Vear« of Assurance I 2 3 4 5 6 7 8 9 10 II 12 13 14 15 i6 17 i8 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 AGE AT ENTRY 4O (Ne.t Dinhday ) NUMBER OF ENTRANTS 860. Existing. 31 25 21 33 20 20 33 21 21 25 18 22 17 17 10 10 10 13 7 10 21 20 9 3 4 3 2 2 2 2 I 2 2 I I 2 2 I I 2 I I I 470 Ma- tured. With- drawn. 27 104 38 31 20 17 14 7 4 7 4 3 3 289 Died. S 4 4 6 2 6 2 2 4 5 3 I 3 2 5 6 2 2 3 I 3 3 2 95 Total. 27 141 67 56 S9 39 40 42 27 32 34 24 26 20 22 IS 20 14 16 10 II 27 25 1 1 3 5 4 3 6 4 4 3 2 3 I 3 2 I 2 I I 2 2 2 I 860 Exposed to Risk of Death. Years of Assurance 833 692 625 569 S'o •171 431 389 362 330 296 272 246 226 204 189 169 '55 139 129 118 91 66 55 52 47 43 40 34 30 26 23 21 18 18 17 14 12 1 1 9 8 7 5 3 I 8006 I 2 3 4 5 6 7 8 9 10 II 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 NUMBER OF ENTRANTS 815 Existing. I M- 3' 29 19 33 18 21 26 22 21 2! 21 28 27 20 10 4 1 1 9 1 1 1 1 10 14 II 6 2 5 2 I I 2 I 4 2 With- drawn. 23 83 35 26 »5 20 9 8 9 5 4 6 2 2 I 3 5 I 2 I I I 463 i 13 263 Died. I I 5 8 2 3 5 7 2 2 4 I I 2 3 2 4 3 4 2 I I I 76 Total. 23 116 65 51 56 41 33 39 38 29 28 27 34 30 22 15 12 14 '5 '5 23 12 16 12 7 3 S 2 I 3 3 I 7 5 2 I I I 3 2 I Exposed to Risk of Death. 792 676 611 560 504 463 430 39' 353 324 296 269 235 205 183 168 156 142 127 1 12 89 77 61 49 42 39 34 32 31 28 25 24 •7 12 10 9 8 7 7 4 2 I I 815 7606 TABLB I. Continued. AGE AT ENTRY 4I (Nem Dirthd.y.) AGE AT ENTRY 42 (Next Binhd.y.) Vfars of NUMBER OF ENTRANTS 740 Years of Ajsuranci NUMBER OF ENTRANTS 656. Asturanc Exisring Ma- tured With- drawn. Died Total. ExpoNcd to Risk of Deaih. Kxitting Ma- tured With- drawn. Died. Total. Exposed to Kisk of Death. 19 , , »9 24 24 I 33 90 3 126 721 I 25 I 77 5 108 632 2 24 37 2 63 595 2 >4 , . 39 I 54 524 3 19 23 4 46 532 3 24 , . '9 3 46 470 4 32 'S 47 4«6 4 22 '3 2 37 424 i 12 14 3 29 439 5 18 . . II I 30 387 21 20 2 43 410 6 14 8 6 28 357 8 '5 13 3 3' 367 7 25 I 12 3 41 329 23 8 2 33 336 8 IS 5 I 21 288 9 16 6 2 24 303 9 »5 2 3 20 2^7 10 «5 2 I 18 279 10 16 3 1 2^ 247 II 18 7 5 30 261 II 16 , , 3 6 25 227 12 18 I 1 20 231 12 '4 I IS 202 13 13 2 4 «9 21 1 13 (6 . , 3 20 187 14 j 20 3 2 25 192 14 •7 5 23 167 15 12 I 6 19 167 15 7 I 8 144 16 II I 3 15 148 16 14 2 17 136 ^l 6 3 3 12 133 17 10 2 •3 119 106 18 7 I 8 121 18 1 1 I I 15 19 7 4 4 15 "3 19 4 I 2 8 91 20 7 3 I II 98 20 1 1 , , I 13 83 21 12 . . I 3 16 «7 21 7 4 12 70 22 6 2 8 71 22 8 , , 5 »3 58 23 10 I 1 1 63 23 7 7 45 24 9 2 II 52 24 2 , 3 38 25 2 I 2 5 41 25 I 3 35 ■?2 26 I I 36 26 I I 27 2 3 5 35 27 5 ■; I 6 31 25 28 I 2 3 30 28 2 , , 5 29 I 2 3 27 29 2 . . 2 20 30 24 30 4 18 31 2 I 3 24 31 , , I 14 32 I I 2 21 32 2 13 33 I 3 4 '9 33 . . I II 34 15 34 10 3| I I '5 35 , , 10 36 2 2 14 36 2 10 37 2 2 12 37 2 8 38 10 38 6 39 t 3 4 10 39 , , . , 6 40 I I 6 40 2 6 41 I 2 3 5 41 . , I 4 42 I I 2 42 I 3 43 I I 1 43 44 I 2 I 383 8 267 82 740 6763 354 4 226 72 656 5863 TABLE I.- Continued. AGE AT ENTRY 43 (Next llinhday.) AGE AT ENTRY 44 (N«t ninhday ) Years of Assurance I 2 3 4 5 6 7 8 9 10 n 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 NUMBER OF ENTRANTS S90. Existing. 21 14 19 18 9 10 1 1 12 1 1 14 '5 •3 •7 16 9 1 1 9 10 7 1 1 10 12 8 4 3 5 2 2 Ma. tured. With, drawn. 'S 86 30 12 7 14 10 14 4 3 2 2 I Died. 2 2 4 3 2 5 5 6 2 2 3 I 2 I I 3 2 2 4 3 2 2 2 2 2 I Total. 15 107 46 33 29 27 22 30 21 20 18 19 18 18 18 13 II IS 9 13 14 12 II 6 S 7 4 2 3 I I 2 I 3 3 I Kxposed 10 Risk of Death. 575 468 422 389 360 333 311 281 260 240 222 203 •85 167 149 138 125 114 99 90 77 63 SI 40 34 29 22 18 16 13 12 II 9 8 8 5 2 I I Year: of Assurance 2 3 4 5 6 7 8 9 10 II 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 NUMBER OF ENTRANTS 50I. Existing. •7 '4 '7 18 16 8 13 10 12 15 6 16 20 1 1 3 4 3 4 3 7 5 5 10 3 3 3 I 2 3 I I I Ma. tured. With- drawn. 14 68 21 8 13 9 8 3 4 3 I 2 2 I I I Died. Total. •4 86 36 39 28 35 20 25 16 '9 20 10 19 22 14 4 8 6 6 4 9 7 7 12 3 4 3 4 I 4 4 I I 3 I I I Exposed to Risk of Death. 308 487 401 365 326 298 263 243 218 202 183 ■63 153 134 112 98 94 86 80 74 70 61 54 47 35 32 28 25 21 20 17 17 13 9 8 7 4 3 2 I I I I 202 74 590 5551 257 180 56 501 4457 I TABLE l.-Continued. i AGE AT ENTRY 45 (Ne«t Binhd.y.) AGE AT ENTRY ^6 (Nem Birlhd.y.) Vura of Aisuranc NUMBER OF ENTRANTS 486. Years of Ansmanc NUMBER OF ENTRANTS 386. Existing. Ma- tured With- drawn. Died. 3 Tout. Exposed to Risk of Death. Existing. Ma- tured. With- drawn. Died. 6 I ToUl. Exposed to Risk of Death. I 2 IS 14 14 SI 13 14 69 27 472 403 I 2 10 9 I 9 43 13 9 59 24 377 3'8 294 3 4 9 10 II 12 17 13 2 32 376 3 IS 1 1 I 27 15 '3 12 7 13 2 ( V 2 2 29 28 16 344 31S 287 4 5 6 II 7 9 ■ ' 6 13 7 3 4 2 20 24 18 267 247 22^ 2S 8 8 14 12 II 8 I 32 271 7 12 8 3 23 205 • • i 4 IS 239 8 10 3 2 15 182 •• 3 6 2 2 2 S I 6 13 25 IS 19 224 21 1 186 171 9 10 II 12 S 12 6 II •• 2 5 3 4 4 3 I 1 1 20 10 15 167 156 136 126 13 2 2 12 152 13 II , , II 1 1 1 14 9 2 11 140 14 6 , , I , 8 100 15 16 18 / 6 6 S 4 3 I S S 4 S 16 II 13 11 129 113 102 89 11 17 18 6 5 6 5 2 2 2 10 7 6 92 82 75 69 64 55 SO 35 29 18 19 20 21 I 6 8 I 3 I 4 7 9 78 74 67 19 20 21 6 4 13 2 I I 9 5 ii; 22 23 12 8 • ' 2 3 14 11 58 44 22 23 6 10 •■ I •• 6 II 24 6 2 8 33 24 2 3 ^ I 2 2 I 4 2S 24 s I IS 14 14 II ^ 2 1 2 3 4 4 20 16 28 2 3 •• 3 29 2 3 12 29 8 30 I 9 30 8 31 I 8 31 8 32 2 3 7 32 I 2 8 33 I 2 4 33 I I 6 34 I 2 34 I 5 35 36 37 38 ■• I I I I 35 36 37 38 I \[ •• I I 4 3 2 2 39 I I 39 40 41 42 43 44 45 1 I ' * •• • • I I 2 257 5 143 81 486 4710 206 1 I 135 44 386 3594 ■ TABLE I. C«>ntiniieil. AGE AT ENTRY 47 (Ncx. Ilir.h.lny.) I AGE AT ENTRY 48 (Nrxi it„ih,iny,) Vcnrs of Auurance I 2 3 4 5 6 7 8 9 10 II 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 NUMBER OF ENTRANTS 364 Exiiling. 20 8 I 1 14 9 8 12 <4 6 13 10 9 15 5 5 4 3 2 6 4 3 6 Ma- tured With, ilrawn. 8 30 14 16 6 1 1 7 I 6 I I 3 1 I I Died 2 3 3 1 2 I 2 4 I 3 4 t 3 2 I 3 2 3 2 192 Total. 8 53 25 30 21 22 16 '5 24 7 18 15 «3 '9 9 7 5 6 6 10 7 4 7 2 3 I I 2 2 Kxposcd to Risk of iJealli. \'rars of Assurance! 112 I 54 j 364 3190 NUMBER OF ENTRANTS 323 I Kxisting 35^' I 303 2 278 3 248 4 227 5 205 6 189 7 174 8 150 9 •43 10 125 II no 12 97 13 7« 14 69 15 62 16 57 17 51 18 45 19 35 20 28 21 24 22 '7 23 •7 24 14 25 14 26 12 27 9 28 9 29 8 30 7 31 5 32 3 33 3 34 1 35 2 36 2 37 2 38 2 39 '4 4 9 10 12 2 12 9 9 It 7 14 12 6 5 4 4 4 3 5 3 Ma- tured. 166 With- drawn. 6 30 I I 9 6 7 8 2 4 3 2 I 2 I I 95 59 Died. 2 5 2 i 2 5 4 : 2 ! •• ! 2 1 I 2 1 3 i 2 2 i 2 4 Total. Kxposcd In Ri.slS 194 18 179 '5 tfu 12 146 16 '34 9 118 19 109 >7 90 7 73 7 66 6 59 7 53 8 46 3 38 7 35 4 28 2 ?4 5 22 2 >7 3 15 I 12 I II I 10 I 9 . 8 * 8 I 8 4 7 ' .) • 3 I 3 323 2987 TABLE I. Continued. I AGE AT ENTRY 49 Nm Hirehday.) AGE AT ENTRY 50 (N fxt Hirthday ) Yean of AMurance N Existing. UMBER OF ENT Died. RANTS Total. 293 Exposfd to Risk of Death. Vcar» of \«urnnce Exi NUMBER OF ENTRANTS 283. Ma. tured. With- drawn. ting. Ma- turrd. With- drawn. Died. Total. Expostd lo Risk of Death. , , 7 7 , 7 , , 7 I 12 3i 2 47 286 I I 4 I 2« 2 1 45 276 2 8 13 5 25 239 2 6 18 t ! 25 23' 3 II 13 3 1 27 214 3 4 3 i ^* 206 4 7 7 I '5 .87 4 ' I IS 193 5 9 4 3 '7 172 5 3 3 23 »77 6 7 8 3 I 1^ 155 6 7 3 i " 154 7 3 6 2 ! '2 '37 7 5 2 10 '43 8 8 2 10 •25 8 7 2 II '33 9 4 3 5 12 "5 9 9 2 II 122 10 5 3 . . 4 12 '03 10 1 3 I 3 18 1 1 1 II 4 3 8 9' II 7 I ' 3 II 93 12 6 3 10 83 12 4 I 5 82 13 9 3 12 73 13 6 2 9 77 14 5 2 8 61 14 9 4 13 68 15 7 2 I 10 53 15 5 8 55 i6 5 2 3 10 4,3 16 2 4 47 17 3 I 4 33 17 2 2 4 43 i8 3 4 29 18 5 6 39 19 1 I -'5 19 5 4 9 33 20 2 2 24 20 I 3 24 21 5 5 22 21 2 21 22 2 2 '7 22 5 5 '9 23 3 3 •5 23 2 3 '4 24 I I 12 24 ' I 1 25 2 2 1 1 25 .. 10 26 3 3 9 26 I 10 27 , . 6 27 2 9 28 6 28 I 7 29 I '2 ' 3 6 29 2 6 30 3 30 2 4 31 I 3 31 2 32 I 2 32 • • 2 33 33 * 2 34 . 34 1 35 . . 35 I 36 36 , I 37 I 37 I 38 I 39 . I 40 I 41 I 9 j 2365 42 J 1 1 131 98 55 293 14 5 4 85 49 283 2432 TABLE I. -Continued. AGE AT ENTRY 51 (N«i iilnhdny.) AGE AT ENTRY 52 (Ne»t iiinhd.iy ) Venr» I * "' ' Aitsurance, i I I 2 3 4 5 6 7 8 9 10 II 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 NUMBER OF ENTRANTS 203 Existing. I I r. 3 5 8 7 •; 8 3 6 / 5 I 4 .? 2 4 3 Ma- lured Willi- drawn. 8 <9 5 2 2 Died. 2 I 3 2 2 2 3 2 3 I 3 I ! I Toiiil. 8 3' 1 1 5 9 12 16 1 1 10 5 1 1 8 10 .S 9 8 I 5 4 3 3 I 4 4 3 I 3 I Kximsed to Risk of Dralh >9.S 1(14 '53 148 •39 127 1 1 1 100 90 85 74 66 S'> 51 42 34 3^ 28 24 2 I 18 14 10 7 6 3 3 3 r I N>ars of A^^urance I 2 3 4 5 6 7 8 9 10 II 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 NUMBER OF ENTRANTS 175. Existing. 7 3 4 5 6 1 5 3 6 6 4 7 6 3 3 3 3 2 Ma- tured, Wiih- drnwn. 9 25 9 3 3 2 4 I 2 2 I Died, 3 I 2 3 I 2 2 Total. 9 32 'S 8 10 8 8 7 5 8 10 5 7 7 4 5 9 3 2 I F.xiwsed to Ritk of Ueatb. 106 '34 "9 I 1 1 lOI 93 85 7« 73 f'.S 55 50 43 36 32 27 18 '5 '3 8 5 4 4 2 I I 114 i SI I 37 203 ii 1808 84 63 27 i! 175 1371 TABLE I.— Continued. AGE AT ENTRY 53 (N<.xt liinhday.) AGE AT ENTRY 54 (Nexl Bi.llHlay.) Years of Assuranc NUMBER OF ENTRANTS I49. Years of Assuranc NUMBER OF ENTRANTS i 113 e Exisiing Ma- tured With- . drawn. Died Total. Exposed to Riik of Dealli. Existing Ma- tured With- drawn. Died. Total. Exposed to Risk of Death. 6 6 I 2 3 4 5 6 I 9 10 II 12 13 14 15 16 12 i 6 2 •• 16 5 5 2 2 28 13 9 143 "5 102 I 2 3 7 S 2 2 10 I 2 I I '7 7 5 9 13 9 4 5 2 3 7 6 5 4 1 1 I 94 8 ' 1 1 •■ 2 6 93 4 7 2 82 1 4 4 4 2 I 3 I 2 8 3 i I I 3 I I I I 3 I I I 4 2 8 8 6 4 3 5 3 4 10 8 3 2 87 79 71 65 61 S8 53 5° 46 36 28 25 7 8 9 10 II 12 13 14 15 16 5 6 3 3 I 2 5 5 5 4 . . 6 3 I I 2 1 2 I I , 1 73 60 51 47 42 40 37 30 24 19 '9 17 18 3 •• 3 23 20 17 18 2 •5 '4 19 20 21 22 I 2 2 I I I 2 4 4 2 20 18 14 10 19 20 21 22 , , I 12 10 9 23 24 25 26 3 4 8 23 I s 4 24 6 ' • • ■ 2 4 2 25 26 1 6 6 5 27 28 2 2 27 1 28 1 I 2 29 30 ' * 2 2 2 29 30 31 32 33 34 , , I I 19 2 2 I I 71 I 46 31 149 1243 65 29 "3 937 TABLE I. Continued. AGE AT ENTRY 55 (N«t iiirthday.) AGE AT ENTRY 56 (Xex. h.mIui.,,.) Years of Assurance NUMBER OF ENTRANTS I31. Exist ing. I 2 3 4 5 6 7 8 9 10 II 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 9 3 7 II 7 3 5 3 3 4 3 3 2 Ma- tured With- drawn. 2 10 6 5 I I Died Total. 2 19 I I '3 1 2 I I 8 5 1 1 3 9 4 6 4 I I 2 2 I I Expo.sed to Risk of Death. 129 I 10 99 86 74 63 55 50 39 36 27 23 '7 13 I 2 I I 9 7 6 5 5 5 4 4 Years of Assurance I 2 3 4 5 6 7 8 9 10 II 12 13 14 15 16 17 18 19 20 21 22 23 NUMBER OF ENTRANTS 80 Existing Ma- tured. drawn """• 2 4 3 3 2 I 3 6 I 8 3 3 I 1 Total. I 1 I 8 7 3 4 3 3 7 3 3 4 2 2 2 2 6 I 2 I Exposed to Risk of Ucaih. 79 68 60 53 50 46 43 40 55 30 27 23 21 '9 66 35 27 131 893 44 18 18 ,i 80 658 TABLE I. Continued. ■ AGE AT ENTRY 57 (N«i ninhday.) AGE AT ENTRY 58 (N«t Binhd.y.) NUMBER OF u 4TRANTS 74 NUMBER OF ENTRANTS 61. 1 Years Years of Assurance Assurancr Existing. Ma- tured. With, drawn. Died. Total. Exposed to Ki.sk of Death. Existing. Ma- tured. With- drawn. Died. Total. Exposed to Risk of Death. I I I I I 6 7 '3 73 I 5 , , 6 I 12 60 2 3 2 5 60 2 3 I 5 48 3 3 2 2 7 55 3 I 43 4 .1 3 48 4 I . . I 2 42 5 2 2 I S , 45 5 2 3 40 6 I .. I 40 6 4 4 37 7 • • 2 39 7 2 ry 33 8 I 4 : 37 8 4 . . 2 6 31 9 I i 33 9 1 2 3 25 10 3 I 5 1 32 10 2 5 22 II 3 27 II I 3 17 12 2 3 24 12 I I 14 13 2 2r 13 , . 13 14 2 3 19 14 ■i . . 2 13 15 16 15 I 2 II 16 3 4 If) 16 I I 9 ^l . . I 12 17 I 4 8 18 3 1 1 18 , . , , 4 19 8 19 4 20 I 4 8 20 2 4 21 . , I 4 21 1 , . 2 22 I 2 3 22 I 23 1 23 I 24 . . r 24 , , I 25 I 25 , . I 26 I I I 26 , , I 27 J I 39 ! 20 15 74 635 35 II 15 61 486 I TABLE I. -Continued. AGE AT ENTRY 59 (N«t Birthday.) AGE AT ENTRY 60 (Next Rirthd.y.) Years of 1 NUMBER OF ENTRANTS 53 Years NUMBER OF ENTRANTS 46. Assiiranc E Existing. Ma. tureil. With- drawn. Died Total. Exposed :o Risk oflJealh. \5surance Existing, Ma- tured. Wiih. drawn. Died. Total. Kxposed to Risk of Death. , . , , 2 2 I 2 3 4 5 6 4 3 2 2 7 3 I 2 3 II 9 3 5 2 51 40 3' 28 23 21 I 2 3 4 5 6 3 4 I 3 I •• 6 2 3 9 6 2 4 5 46 37 3« 29 25 7 8 9 I 2 3 I 21 16 7 8 9 10 1: 12 13 14 15 16 17 18 I 2 I I 4 20 20 '9 10 II 12 13 14 15 2 I 4 3 2 15 IS II II 8 6 I 2 2 2 I I 3 2 3 3 •S 15 14 II 9 6 I6 17 IS * ' 5 4 4 2 3 3 I 19 4 19 20 20 21 3 I I I 22 I 23 I 24 I 22 17 14 53 340 23 13 ' 10 46 307 1 IS. TABLE I. -Continued. I^iii AGE AT ENTRY 6l (N«e Binhday.) AGE AT ENTRY 62 (Next Uhlhriay.) I ' llSK NUMBER OF ENTRANTS 21. NUMBER OF ENTRANTS 18 | Years years of Assurance -1 of A.siurance Ex IS ting. Ma- tured. With- drawn. Died. Total, Exposed to Risk of Death. Existing. Ma- tured. With- I T^. J drawn. ! ^"^■ 1 Total. Exposed to Risk of IJeath. ' 1 1 I I 2 3 21 I 2 2 4 '7 2 I 3 l8 2 . . . 1 1 ' 3 3 . . 15 3 . 12 4 IS 4 I I 1 2 5 IS 5 2 2 1 1 6 I 14 6 I 3 9 7 I 2 13 7 6 8 I II 8 , . 6 9 1 10 9 6 10 I 9 10 I 6 II 8 II 2 1 2 5 12 ! 7 12 2 2 3 13 ! 6 13 1 14 14 I 15 ' 4 15 . • I i6 4 16 . 17 17 1 1 r i8 _ 18 1 ' . I 19 J 19 ' ■ i . 1 20 20 ' I 1 21 1 22 u 23 1 !■ I 24 i' . 25 i i' 26 . I ; 27 , 28 ( f 29 ! I 30 31 * 32 33 1 1 34 ! • 1 35 1 • i I 36 37 1 1 I 1 i 8 1 I 7 5 1 21 203 8 5 5 1 18 114 TABLE I. Continued. AGE AT ENTRY 63 (Next Hinhday.) AGE AT ENTRY 64 (N>xi Hinhday.) Years of Assurance I 2 3 4 5 6 7 8 9 10 II 12 13 14 15 16 17 18 19 20 21 22 23 24 NUMBER OF ENTRANTS I4. Existing. Ma- tured. With- drawn. Died. Total. 14 Kxposcd to Risk ofDeadi. 13 10 10 9 9 7 5 4 3 3 3 90 Years of Assurancei NUMBER OF ENTRANTS I8. I 2 3 4 5 6 7 Existing. 3 I 2 4 I 2 I Ma- tured. I 14 With- drawn. Uled. Total. J-l^Tu '"^ Risk of Ueath. 6 I 2 4 I 2 18 18 12 I t 9 5 4 2 61 TABLB I. -Continued. AGE AT ENTRY 65 (Next liinhday.) AGE AT ENTRY 66 (N«t Binhday.) A: A ■\'y Years of Assurance NUMBER OF ENTRANTS 20 Years of .Assurance NUMBER OF ENTRANTS 8. Existing. Ma- tured. With- drawn. Died. Total. Exposed to Risk of Death. Existing. Ma- tured. With- n-. drawn, ^led. Total. Exposed to Risk of Death. I 2 3 4 I I 9 10 II 12 13 14 15 16 17 I 2 I • • 2 2 2 2 2 I 2 2 I 3 I 20 18 16 14 12 10 9 7 7 5 4 4 I I I I I I 2 3 4 7 8 9 10 II 12 13 I 3 • I 8 6 6 5 4 4 3 2 2 2 2 I 8 4 8 20 131 3 2 8 48 TABLE I — Continued. AGE AT ENTRY 67 (N«t Birthday.) AGE AT ENTRY 68 (N«t Binhd.y.) Years of Assurance NUMBER OF ENTRANTS 5. I 2 3 4 5 6 7 Kxisdng. Ma- tured. With- Died. Total. I 2 I Exposed to Risk of Death. 4 4 2 2 I I I Vears of Assurance 15 I 2 3 4 5 6 I 7 8 9 10 II 12 NUMBER OF ENTRANTS 5. Existing. Ma- tured. With- drawn. Dird. Total. Exposed to Risic of Death. 5 S 4 3 3 2 28 ri VJ4 TABLE I. -Continued. AGE AT ENTRY 69 (Ne»i Kinhday.) AGE AT ENTRY 70 (N«xt 1 inhday ) Years of As.surance NUMBER OF ENTRANTS I. Years of Assurance NUMBER OF ENTRANTS 0. Existing. Ma- tured. With- drawn. Died. Total. Exposed to RiskofUeaih. Existing. Ma- tured. With- drawn. Died. Total. Exposed to Risic of Death. I 2 3 4 5 6 7 . I I I 1 I 1 1 I 1 I \ I 7 AGE AT ENTRY 7I (Next l!ir.hd.iy.> Years of Assurance NUMBER OF ENTRANTS I. Existing. Ma- With- tured. drawn. 1 Died. Total. Exposed to Risk of Death. I I ' I 1 I ^ I TABLE II. SUMMARY OF OBSERVATIONS. Ultimate Disposal of luuranis ini,i at hmry Number of A«r at Kmrj 1 Number al uf I'.iitiaiits into With. 1 (Next 11 Entrants. Died. Jfaturcd drawn of ii With- ' liirthday)!! and witliin Kxistini;. (Next Kiitrants. 1 Died. M.itured drawn Withdrawn first six Hirlhda> and within Existing. . months. 1 W iihdrawn first six niiinih.s. 15 i6 S 14 37 227 I 4 5 10 24 5' I 45 i 486 !: 81 134 14 257 11 19 2 r. 8 2 II 8 25 60 157 46 47 48 49 ; 386 j; 3(>4 i 323 ■' 293 44 , 54 : 59 55 127 1 10 92 ICO 9 8 6 7 206 102 1 166 '3' 20 21 22 23 24 504 1 1503 15C8 1708 '725 17 75 6y 83 93 136 486 515 583 593 23 47 68 72 66 328 1 895 856 970 973 SO 51 52 53 54 f 283 203 '75 '49 "3 1 49 37 27 3' ' 19 82 44 55 41 27 1 ! '45 8 ! 114 9 84 6 71 2 i f'5 25 26 27 28 29 1765 1730 1762 '73S '655 80 92 88 105 113 607 637 608 585 542 67 55 75 63 57 lOlI 946 99' 985 943 55 56 57 58 59 131 80 74 61 53 ! ; 27 1 '8 ', '5 1 '5 j '4 3f) '7 19 IQ 15 2 ! 1 2 66 44 39 35 22 30 31 32 33 34 ; '587 1619 1516 1378 1 1278 108 95 '05 114 118 557 575 j 524 507 453 1 50 64 63 50 40 872 885 824 707 667 60 61 62 64 46 21 18 14 18 10 5 5 5 2 13 8 4 I 2 I I 1 .* ',) 8 8 7 '4 35 36 1 23 1 ; "45 lOI 97 440 1 397 1 41 46 649 605 65 66 20 8 8 2 I 2 4 8 37 38 • 39 I 1 ■ 1077 990 j 860 1 95 82 95 366 337 268 1 33 40 27 5 S3 531 470 67 68 69 5 5 1 3 I I I 40 41 42 43 8.5 1 740 1 656 1 590 i 76 82 72 74 5^' 253 256 206 ■ '93 i '74 ; 23 i '9 1 24 '5 :' .4 i 4f'3 3S3 354 308 - 257 ■! 70 ' 71 , OIAI.. ' . . ! 1 I i 1 . . 1 1 1 44 501 35287 2.789 11,838 1 t,24I 1 19,419 ' TABLE III. Varl t, — Cnail)u»teil i(j-7>'Miii'«.« anil Dealhn for a(fif» lo he allulnrtt uvxl blrtliiliii/. I'ltrt ?. -Erpnuurrn niiil nmlln for rompli'lml fifiPi, with riiiilx of 10,000 ill df/i' 'JO. I'miiljimlnl. PART 1. Completed Ait X PART 2 lltXl liirlhJay X Exfose.i 5 DUd HtXl Birthday 1 ■* F.xfostd Died Exposed ^■x Died ''x Computed Age X Exposed Ex Died Jx 15 1 57 3,341 54 20 IO,CO0 S3 60 7,064 177 16 '9 . , 58 3,023 54 21 9,947 33 61 6,887 174 17 52 59 2,740 65 22 9,914 55 62 6,713 198 18 126 . . 1 23 9,«59 44 63 6,5 '5 194 19 60 61 2,378 2,094 61 50 24 9,815 52 64 6,321 168 20 726 S 1 62 1,861 52 25 9,763 58 65 6,153 204 21 2,ojr. 4 63 ■,655 54 26 9,705 54 66 5,949 217 22 3,075 '9 64 1,461 35 27 9,65 ' 43 67 5,732 220 23 4,181 18 28 9,608 43 68 5-512 229 24 5.15' 25 65 1 66 1,282 1,120 41 40 29 9.56,5 48 69 5,283 231 25 6,042 36 67 953 .?6 30 9.517 51 70 5,052 221 26 6,809 41 68 8-V 35 31 9,466 45 71 4,831 276 27 7-5'5 34 , 69 692 31 32 9421 45 72 4,555 m 28 8,2'5 36 ; 33 9,376 54 73 4,222 274 29 8,78s 42 1 1 70 71 600 5 '9 25 25 34 9,322 or 74 3,948 293 30 9-274 5' 72 435 33 35 9,261 59 75 3.655 291 31 9,736 48 73 359 2;, 36 9,202 61 76 3,364 256 32 io,o6S 46 74 287 20 Zl 9,141 51 77 3.108 333 33 10,287 S3 38 9,090 54 78 2,775 410 34 10,446 72 I 75 76 239 196 20 14 39 9,036 63 79 2,365 343 35 10,530 63 : 77 163 14 40 8,973 71 ■ 80 2,022 328 36 10,500 75 1 78 124 •9 41 8,902 58 81 1,694 266 Zl 10,404 56 79 89 12 42 8,844 S3 82 1,428 278 38 10,244 61 ! 43 8.791 65 83 1,150 249 39 10,015 62 1 j 80 81 65 48 1 1 7 44 8,726 67 84 901 142 40 9,802 82 82 Z?, 45 8,659 72 85 759 96 41 9,534 68 83 22 5 46 8,587 78 86 663 159 42 9,201 49 84 16 3 47 8,509 88 87 504 106 43 8,864 64 85 86 48 8,421 83 88 398 27 44 8,42s 64 12 9 I 2 49 8,338 79 89 371 88 45 8,002 65 87 88 89 7 2 50 8,259 89 90 283 106 46 7,602 64 5 51 8,170 94 91 177 71 47 7,198 7S 5 I 52 8,076 91 92 106 48 6,800 70 90 91 3 I 53 7,985 "3 93 106 49 6,378 58 2 I 54 7,872 127 94 106 • • 50 5,992 6. 92 93 94 55 7,745 114 95 106 51 5,55.? 66 56 7,631 119 96 ic6 35 52 5,134 55 1 57 7,512 126 : 97 71 71 53 4,751 60 ! 95 58 7,386 .46 54 4,358 74 96 97 I 59 7,240 176 55 4,002 58 1 56 3,665 56 Tot-.m., 296 481 2.789 TABLI- IV. GRADUATED MORTALITY TABLE. aCNERAL EXPERIENOt, .ISf. 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 6o 6i 62 A'umh-r t,ivi„x. I.. 100,000 99.537 99.073 98,607 98,rj,S 97,667 97.192 96.714 96,232 95.745 95.252 94.753 94.2 4« 93, 735 93.213 92,68t 92.139 9'.55<5 91,018 90.43'' 89,839 89,223 88588 S7.93t ^7,25' «^>.54S 85,81 r 85,046 84,247 S3.4it 81,615 80,648 79.630 7«,556 77.423 76,225 74,959 73.619 72,201 70,700 69,1 10 67,428 Number Dying. rf.. 463 464 466 469 47' 475 478 482 487 493 499 505 5 '3 522 532 542 554 567 5«2 597 616 635 657 680 706 734 765 799 836 876 920 967 1,018 1,074 ','33 1,198 1,266 '.340 1,418 1. 501 1.590 r,682 >,77« J'rolial/ilily of f.iviiip a Yea): P. ■995373 •995335 •995294 •9'^5248 •995 '97 •99S'42 .995080 •995013 .994938 .994856 •994765 .994665 •994555 •994433 .991298 .994150 •9939^^7 .993807 .993609 •995390 •993148 .992882 •992590 •992265 .991909 .991516 .991082 .990604 .990078 •989497 .988857 .988151 •987374 .986518 •985574 •9845.34 .983388 .982126 .980736 •979208 •977520 •975664 •973622 Piohal'ility of Dyini; ill a Year. 1.V .004627 .004665 .004706 .004752 .004803 .004858 .004920 .004987 .005062 .005144 •005235 •005335 .005445 .CO5567 .005702 .005850 .006013 .006193 .006391 .006610 .006852 .0071 18 .0074 10 •00773s .008091 .008484 .008918 .009396 .009922 .010503 .011143 .01 1849 .012626 .013482 .014426 .015466 .016612 .017874 .019264 .020792 ■022480 •024336 .026378 Complett Exf^clation yifij;. r,88o 1,983 2,089 2,198 2,306 2,412 2,5 '7 2,6r6 2,707 2,790 2,859 2,9 '3 2,948 2,962 2.952 2,913 2,848 2.752 2.625 2,472 2,290 2,087 1,867 ',634 1,430 1,169 949 747 569 416 294 197 126 76 44 23 12 5 2 I Probability of Living a Year. 971374 96890 1 966181 963189 959901 956287 952318 947959 943 '75 937926 932172 .925866 918959 91 1402 ,903140 ,894115 "84266 873529 861S39 849 1 2 7 835324 820362 8041 70 786682 767835 747573 725845 702613 677852 65 '5 54 623731 594421 563690 531635 498392 464134 429075 39347' 357620 ooocoo Picbahiiily of Joying in a year. Comf/ele Exfectation of Life. .028626 .031099 .033819 .03681 1 ,040099 ,043713 ,047682 .052041 .056825 .062074 .067828 •074'34 .081041 .088598 .096860 .105885 •115734 .126471 .138161 •'50873 .164676 .179638 .195830 .213318 .232165 .252427 •27415s .297387 . ,22148 .34^446 •376- ''9 .405 /9 .436310 .468365 .501608 •535866 •570925 .606529 .64 2 3 So i.oocooo '3429 12 810 12.205 11.615 11.039 10.480 9936 9.408 8897 8.403 7.926 7.467 7.025 6.600 6.193 5.804 5-431 5-077 4.740 4.419 4. 1 1 6 3.828 3^557 3302 3-061 2.836 2.625 2.427 2.243 2.072 1.910 1-763 1.625 1.494 1 362 1.244 1. 100 1. 000 •833 .500 TABLE V. Exposures and Deoihs nt Integrnl agoa attained. On r/i« Ar»(« o/ thru Umrt llw fjtpotnt antl ,Ui,l. .■ii;e AtUiiieJ. Tlirft 7'i'iits Numhtr Lxpostd. 19 20 21 22 23 24 20 24 25 26 27 28 29 25 29 30 34 30 34 35 36 2n 38 39 35 39 40 41 42 43 44 40-44 45 46 47 4S 49 45-49 50 51 52 53 54 50-54 55 56 57 58 59 55-59 '.362 3,47« 7. '27 'o.33« '3.S'3 '6.344 50.793 18,893 21.133 23.245 25.2'5 26,844 "5.330 28,284 29.540 30.423 31.020 3'. 422 150,689 3', 560 31.404 31.052 30,503 29,832 '54.351 29,138 28,269 27,266 2<'.'53 24,852 •35.678 23,606 22,402 21,196 19,978 18,748 'OS 930 '7,537 16,240 15-019 13,860 12,718 75,374 IT, 669 10,671 9.705 8,786 7,858 48,689 i'hree 'limes Niiml'tr Died. 7 14 «7 56 61 86 244 "3 116 104 114 '35 582 '50 142 •45 '78 207 822 201 206 '73 184 206 970 232 '85 162 192 '93 964 194 303 320 198 992 188 187 170 '94 306 945 172 166 163 173 191 864 .7,r Altiiiiieil. 60 61 62 63 64 60-64 65 66 67 68 69 65 69 70 71 72 74 70 74 75 76 77 7S 79 75 79 80 81 82 83 84 80-84 85 86 87 88 89 85-89 90 91 92 93 94 90-94 95 96- 97 95-97 '/'/nee 'I'imes Nunihr hxfestii. Total, 6,850 6,049 5.377 4.77' 4,204 27-251 3.684 3. '93 2,733 2,346 1,984 13.940 '.719 '.473 1,229 1,005 813 6.239 674 555 450 337 243 2-259 178 129 88 60 44 499 II 25 '9 '5 •3 '05 S 5 3 3 3 22 3 3 2 Tlitee Times Number Died. '72 '52 '58 '43 1 1 1 736 122 116 '05 97 87 527 75 83 89 66 60 373 54 42 47 SO 35 228 29 20 '7 '3 7 86 4 6 4 I 3 18 3 2 o o S o I 2 888,519 8,366 ■A ^il TABLE VI. Mortality Experience, excluding the first five years of Assurance, Age ExpOSid DM AiijusteJ Aiiiiuai Kates of A^e 1 Exposed i Died 1 Adjusted Annual Rates of .V ^.r-'A ; '^--A Mortality. X ^x-y, <.-J^ Mortality. Ix ?. 25 282 .00639 50 4.726 1 ' 44 .01174 26 913 8 .00641 51 4.453 57 1 .01245 27 i"133 9 .00644 52 4,196 49 .01319 28 2,061 1 1 1 .00648 53 3,957 54 .01404 29 2,658 '9 .00652 54 3,688 66 .01498 30 3.243 25 00657 55 3,427 1 ' 52 .01602 31 3,729 19 .00662 56 3, '95 51 .01716 32 4.251 26 .00668 57 2,932 51 .01843 33 S.77S 30 .00674 58 2,684 49 .01983 34 5.176 i '^^ .00681 59 2,459 60 .02137 35 5.5'o 42 .00690 60 2,151 57 .02307 36 5,752 ' 41 .C0701 61 1,918 48 .02492 37 5.963 35 .00715 62 1,727 49 ,02695 38 6,071 41 .00731 63 1.562 51 .02918 39 6,168 44 .00749 64 1,381 33 .03162 40 6,276 65 1 .00770 65 1.213 38 •03430 41 6,240 52 .00794 66 1,063 39 •03725 42 6,214 30 .00820 ^1 909 36 .04049 43 6,163 49 ,00849 68 793 33 •04405 44 6,010 56 .00882 69 667 30 •04795 *l 5,844 54 .00919 70 589 24 •05223 46 5,68 r SO .00960 71 513 24 i .05694 *2 5,462 65 .01006 72 431 32 .06213 48 5,244 54 .01056 73 358 23 .06784 49 4,959 46 .01112 74 287 20 •07413 TABLE VII. SELECT TABLE. ' "" "'"^•' "f '""-""''V />"• 't'fforent „„,, „, .,.,,„ „„„ differeyit periods since entry. f' ' '4 TABLE VIII. SELECT TABLE. t'alH'D n/ 1^ for dl/ferent ayiii nt etitr// aiiil different perioils ainee intry. Years elap.sed since date of entry. I a ! ^ 4 3 or More. .T or More. ^.v, '[.v-Il + l ' [ j:-2] + 2 ''[.v-31+3 ''l.r-41+4 r.o) ' ■• (5) 20 103,679 . . .. 55 78,05s 21 103.031 103,433 . . " 56 76,805 22 1^2,385 102,786 103,041 . . , . 57 75.487 23 101,741 102,139 102,392 102,533 , , 58 74,096 24 101,101 101,494 ior,745 101,883 101,946 59 72,626 25 100,463 100,853 101,099 101,236 101,296 101,314 60 71,074 26 ^9,828 100,212 100,456 100.59a 100,650 101,666 61 69,435 ^^ 99, '93 99-574 99,814 99,947 100,005 100,021 62 67,704 28 98,560 98,934 99,173 99,304 99.361 99,377 63 65,880 29 97,928 98,297 98,532 98,662 98,718 98,733 64 63,957 30 97,298 97,661 97,891 98,018 98,074 98,089 65 61,935 31 96,665 97,024 97,251 97,375 97,430 97,445 66 59,811 32 96,033 96,386 96,609 96,732 96,785 96,800 67 57,583 33 95,395 95,747 95,966 96,086 96,139 96,153 68 55-251 34 94,753 95- 1 02 95,322 95,440 95,491 95505 69 52,817 35 94,105 94,453 94,672 94,791 94,840 94,855 70 50,285 36 93448 93,796 94,017 94,137 94.187 94,200 71 47,658 37 38 92,779 93,130 93.354 93,475 93,527 93-540 72 44,945 92,097 92,452 92,681 92,806 92,857 92,871 73 42,152 39 91,401 91,761 91,996 92,124 92,178 92,192 74 39,293 40 90,690 91,056 91,297 91,431 91,487 91,502 75 36,380 41 89,96;; 90,335 90,584 90,722 90,781 90,797 42 89,212 89,596 89,854 89,998 90,060 90,076 43 88,436 88,835 89,105 89,256 89,320 89,337 44 87,633 88,048 88,335 88,493 88,561 88,579 45 86,3o3 87,234 87,537 87,707 87,779 87,79s 46 86,052 86,391 86,711 86,893 86,972 86,991 47 85,043 85,432 85,85s 86,051 86,134 86,156 48 84,to6 84,608 84,883 85,17s 85,266 85,289 49 83,125 83,659 84,044 84,266 84-363 84,388 50 82,094 82,667 83,080 83,318 83,422 83,450 51 81,626 82,071 82.328 82,440 82,470 52 81,013 81,291 81,413 8i,44S 53 80,204 80,336 80,371 54 • ' 1 79,205 79242 TABLE IX. GRADUATED MORTALITY TABLE Kxcl,„li„!, Ihe /tvxt Are yrars o/ .lss,.nn„r. CANADA LIFE fXPERIENCF. WiV. i A'it>///ifr ' l.ivin'. ?5 26 27 28 29 30 31 32 34 35 36 21 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 ; 53 54 55 ! 56 57 58 59 60 61 62 63 64 >o',3'4 100,666 100,021 99,377 98,733 98,089 97,445 96,800 96,153 95,505 94,855 94,200 93,540 92,871 92,192 91,502 90.797 90,076 ^9,337 S8,5 79 87,798 86,991 86,156 85,289 84,388 ''3,450 82,470 8i,4.j5 80,371 79,242 78,055 I 76,805 I 75,487 I 74.096 I 72,626 71,074 69,435 67,704 65,880 ''^3,957 Niiinhef 648 64s 644 644 644 644 645 647 648 650 65s 660 669 679 690 705 721 739 758 781 807 835 867 901 938 9S0 ',025 1,074 1,129 1,187 1,250 1,3 '8 1,391 1,470 ',552 1,639 ■ 1,731 ' 1,824 ',923 : 2,022 : Piohibiiily of Oyii'S in a Year. 'ir Comf'ltte Exfeclation of Lift. A<'e. .00639 .C0641 .00644 .CC648 OC652 .00657 .00662 .00668 .OC674 .C0681 .C0690 .CO701 .00715 .C0731 .C0749 .00770 .00794 .00820 .00849 .C0SS2 .C0919 .C0960 .oico6 .01056 • 01 1 I 2 .01174 .01243 .01319 .01404 .01498 .oi6c 2 .01716 .01843 .01983 .02 137 .02307 .02492 .02695 .02918 .03162 : 41.352 40.615 39-874 i 39-129 ! 38.381 1 I 37-630 ; 36-875 i 36.118 i 35-357 I 34-594 33-8:8 ! 33-059 32.2>-9 J 31.518 ! 30.746 29975 29.203 28-433 27.664 26.897 26.131 25369 24.610 23-855 23-IC5 22.359 . 21.619 20.8S4 20.157 19-437 18.725 18.021 '7-327 16.643 '5970 '5-308 14-657 14.019 '3-394 12 781 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 j 87 I 88 I 89 I 90 I 91 92 93 94 95 96 97 98 99 100 lOI 102 Niiiiiler Living. <'',93S 59,8u 57,583 55,251 52,817 50,285 47,658 44,945 42,152 39,293 36,380 33,432 30,470 27,518 24,605 21,757 19,005 J 16,380 13,908 I II 618 I 9-531 7,664 6,030 4,630 3,461 '-765 1,196 780 4£'6 289 163 87 43 20 8 3 Ntiiiiher D}iiig. 2,124 2,228 2,332 2,434 2,532 2,627 2,713 2,793 2,859 2,913 2,948 ?,962 2,952 2-913 2,848 2,752 2,625 2,472 2,290 2,087 1,867 ',634 i,4co 1,169 949 74 7 569 416 294 197 I 126 76 ! 44 i 23 ! 12 ' /'/ oMiliiy oj i Coinplefe Dying III a Expt elation y>tii: of Lije. -03430 ■03725 .C4049 •04405 -04795 .05223 .05694 .062 13 .C6784 •07413 .08 J 04 .o8£6o .09686 .10589 •11573 .12647 .13816 -150S7 .16468 -17964 •'9583 •21332 23217 ■25243 .27416 -29739 .32215 •34845 •37627 j •40558 I •43631 ! •46837 \ .50161 { •53587 } •57093 .6c6:;3 .64238 I.OOCOO 12.182 "•597 11.026 10471 9-93° 9-405 8.896 8.403 7 926 7467 7-025 6.600 6- 1 93 5.804 5-43' 5-077 4^740 4.419 4.1 16 3828 .155 7 3-302 3.061 2.836 2 625 2-427 2-243 2.072 1. 910 '-763 1.625 1 494 1.362 1-244 1. 100 l.COO •833 .500 r I I*! Ik' TABLE X. Annual Rote oT Mortality, excluding the first five years of Assurance. GRADUATED RESULTS. Age. CanaJa Miiliial Life of A'ew York. ^•«. Table. Age. Canai/u l.ile j Mutual Life ■ of A'cw York. //'". Table. '/..(.-.) '' v (0) '! ..• (.:i) 9.i[r>) '/..(r,) ''..V, 25 .006 596 .00S258 .010506 55 .016014 .015508 \ .022187 26 .006407 .00.S282 .010064 56 .017160 ! .016479 .023506 27 .oo6.).39 .C0S310 009943 57 ,018427 j -017575 .025075 28 .006480 .00S341 .009704 58 .OI9S39 .018814 ,026577 29 .006523 .008376 .009458 59 .031370 .020214 .028360 30 .006565 .008416 .009203 60 .023060 021794 .030638 31 .006619 OC8560 .009172 61 .024930 •023578 .032916 32 .006684 .O0S512 ,009257 62 .026941 •025592 •035583 33 .006739 i .008569 .009225 63 .0291S9 .027866 .038500 34 .006806 ' .008634 .009431 64 .031615 .030431 .041710 35 .006905 .008708 .010002 ^1 .034294 •033323 .044614 36 .007006 .00S791 .010347 66 ■037251 •036585 .047836 37 .007152 .0088S5 .010701 ^1 .040498 .040261 •050957 38 .0073! I .00S992 .01 1065 68 .044054 .044401 .054449 39 .007484 .0091 12 .01 1 189 69 •047939 .049063 .05S118 40 .007705 .009248 .011316 70 .052242 •054309 .062836 41 .007941 .009402 .011317 71 .056926 .060207 .068559 42 .008204 .009577 .011576 72 .062143 066834 •07555' 43 .008485 i .009773 .011844 73 .067S26 .074273 .083480 44 .008817 ! .009996 .012253 74 ■o74'35 .082616 .092231 45 .009192 .010248 .012943 ; 75 .0S1041 .091961 .099494 46 .009599 1 •oioS,?3 .013659 76 .0SS598 .102417 .108146 47 .010063 '' .010S55 i .014402 77 .096S60 .114098 .115486 48 .010564 .011219 •015315 78 .105885 .127128 .124629 49 : .011115 .011631 .016267 ' 79 •I '5734 j •141633 ••349'5 50 1 .011744 .012096 .0171 16 80 .126471 •157750 .145768 51 j .012429 .012622 .018005 81 .138161 •17561S .158716 52 \ .013187 .013217 ! .O1S786 82 •150873 •195366 ! .172301 53 ^ .014047 ,013890 .019911 j 83 .164676 ! •217135 1 .185770 54 i .014979 .014650 .020941 84 .i79'''38 .241048 • ' 99030 TABLE XI. EXPECTATION OF LIFE As^. 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 Z1 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 .Irvmdiiif/ i„ riiriiiuH Tolilr 1 of Mitrliilily. CANADA. lilV UNITED STATES. |6.2.(9 45 462 44 ^'7.5 43.S8, 43 080 4 J. 294 41.49S 40.701 39 902 39' 103 37-502 36.700 35.«9S 35 096 34-258 33-494 32.693 31.894 3' 09'J 30.2(^9 29505 28-7'3 27 924 27 1.37 2''' 355 25-576 24 801 24.032 23.268 22.509 2'-757 2 1. 01 2 20.275 •9-545 MlltlKli Life ,.f York. 44 99 44-26 43 53 -P 80 42.07 41 ?,i 40-59 3984 ^^.09 38- 3 4 37-59 36 83 36.07 33-3' 34-55 3378 33-01 , 32-24 I 3 1-47 30.70 Henclit i)f New Jersey. .Anirric.'ii Kxper- icncu. GREAT BRITAIN. Thirty Aini.-rican 2993 29-15 28.38 27 61 26.83 26.06 25 29 40.906 40 162 39-415 38 665 37-913 37-158 36.402 35643 348S3 34 121 33- 3 58 i2 593 .31.828 31.062 30-295 29530 28,764 27 999 27-234 ! 26.472 I 25.711 24-952 24-52 1 24.196 23-76 23444 22.99 [ 22.694 42.20 4'-53 40.85 40.17 39-49 I 38-8. 1 38-12 ! 37-43 36 73 36-03 1 i 35-33 i 34-63 33-92 33-21 3250 31-78 31-07 30.35 29.62 28.90 28.18 27-45 26.72 2 6. CO 25-27 24-54 I 23-81 23-08 22.36 ! 2 ' ''3 43-069 42.359 41.646 40.930 40.2 ( I 39490 38.766 38.040 37-312 36-582 35-850 35-i'7 34-383 33646 32-910 32172 3 1-434 30 696 29957 29. 1 19 2S.482 27-747 27 013 26.280 25-550 24 822 24 090 2337 7 22.660 21. (,48 22 2 \ 21.48 20.73 19-98 9 24 21.949 2 I 209 20474 19-745 19 022 20.91 I 21.241 20.20 20.539 19-49 19-843 '8.79 19-154 18.09 18-471 Kijuit.-ih!c. 41 670 40.974 40.266 39-555 38.840 38123 37-411 36.696 35-977 35.255 .54-530 33-8C9 33-084 32-364 31-647 30934 30.217 29-503 28.795 28.092 27 395 2669. 25-994 25.290 24.581 23.873 2.! ^-| 22.4(19 21.766 21.065 Life. Tweniy Ilrilish ClfficfS. Hm 42.90 42.16 20.360 19.662 18.977 18.302 41-42 40.67 39.91 39-17 38.45 37-72 36-99 36-26 35.53 34.78 34-04 3,?^ 29 j 32-54 i 31-79 f 31-05 I 30-31 29.58 28 85 28.13 2740 26.66 2593 25.19 24.46 23.75 23.04 j 22 •34 21 .66 20 98 20 30 19 64 18 97 18 31 42.061 41.326 40.603 39-S79 39-147 38.405 37-658 36.908 36.162 35-419 34-681 7.Z 946 33-213 32. 48 1 3^.748 31.016 30.2S6 29.560 28.838 28.118 27 399 26.679 25-956 25-233 2451' 23-792 23 079 2 2-375 21.679 20.989 20.306 19.627 18.951 1 8. 28 1 17.618 GERMANY (Jotli.i Life. 42.22 41.46 40.77 40.06 39-42 38-64 37-83 37-04 36.20 35-47 3469 33-91 33-14 32.36 31-59 30.80 29-99 29 22 28 46 27-71 26,94 26.17 25-41 24.66 23-89 23 13 22.40 2 1 66 20.95 20.22 19.51 1 8. So iS.io 17-43 16.74 n AUSTRALIA Aiistrali.111 Muiii.-il Prov. Assumed ~. , 47-121 46.2S4 45-440 44-595 43-748 42 S99 42.050 41.203 40.360 39518 38.6S2 37851 37.028 36.208 35397 34-590 ; 33.785 j 32.980 I 32.179 I 31 379 37-585 ' 29 798 i 29.019 28247 ! 27481 26.721 25.964 25.210 24.461 23 716 45 -823 44-973 44 121 43 26:; 42 410 41. 558 40. 708 39.865 39- 027 38. 192 22-975 2 2 236 21.502 20.769 20 036 37-365 36-543 i 35-728 ■ 34-9 '8 I 34-117 I ; 33-317 j 32-521 ! 31.728 i 30 938 30.148 '■' 29-364 28.585 27.813 27.048 26.290 25-538 24.790 24.042 23.299 22.561 21.829 21.100 20.378 •9.655 18930 TABLE XI. Continued. EXPECTATION OF LIFE Aecorilitig to rarhiim Itihlrit of MoftiilUi/. f CANADA. Age. 60 61 62 63 64 65 60 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 Canada I.ifc-. '5-3f'5 14.707 14x61 '3-429 12.810 1 1.615 11.039 10.480 9-936 9.408 S.897 8.403 7-9-'6 7.467 7-025 6.6co 6.193 5.804 5-43' 5-077 4.710 4.419 4.1 16 3,828 3-557 3 302 3.06 f 2.836 2.6:?; 2.427 2.24^ I . 1) I o 1.76; 1.625 1.494 '■362 UNITED STATES. Miilual l.if,.- „f Y..,k. 14.96 14.28 13.62 12.96 12.32 11.70 I 1.08 1049 9.91 9-35 8. So 8.27 7.76 7.27 6.80 6-35 5-92 5-5' 5-11 4-74 4-39 4.06 3-74 3-45 3-17 2.91 2.67 I 245 2.24 156 '43 ■30 1.19 1.08 I .98 Mutual Ik'iietit o( New Jersyy. '4-854 14- '93 13-545 12 908 12.2S4 It. 673 1 1.076 10.494 9.927 9376 8.841 8.322 7.820 7-335 6.868 6.418 5.986 5-572 S-I77 4-799 4-439 4.097 3-773 3-463 3-172 2.898 2.640 2-398 2. 171 1.958 1.760 '•576 1.404 1.2.(4 1.096 •959 .833 .716 American Kxpcr- ienci!. 14.10 13-47 12.86 12.26 1 1.67 1 1. 10 10.54 10. CO 9-47 8-97 8.48 8.00 7-55 7. II 6.68 6.27 5.88 5-49 5" 4-74 4-39 4.05 3-7' 3-39 3.08 2.77: Thirly Anierican Officer. '4-559 '3 942 '2-743 1 2. 162 " 595 1 1.040 10.500 9-974 9463 8.967 8.486 8.021 7-572 7-'38 6.721 6.320 5-9.34 S-565 S-2II 4-8;3 4-550 4-242 3-947 3.666 339(> GIIEAT BRITAIN. 2-47 1 3-137 2.18 ' 2.885 1. 91 I 2.637 1.66 : 2.386 1.42 2.106 1.19 I 1.9S0 .98 j 1.808 .80 ! 1.643 .64 I.4S8 1.176 Ef New Jersey. 53 .01348 .01633 .01675 01860 .01317 .01420 •83 ,80 .72 1.02 •95 54 .01443 .01740 .01778 ,01973 .01403 .0151 1 •83 .81 •73 1.03 •95 55 •01547 .01857 .01S93 .02103 .01498 .01613 83 .82 •74 1.03 .96 56 .01661 01989 .02017 •02245 .01605 ,01725 .84 .82 •74 1.03 .96 57 .01787 •02134 .02156 •02399 .01725 .01850 .84 •83 •74 1.04 •97 58 .01926 .02 -'94 .02306 •0256? .01858 ,01988 .84 .84 •75 1.04 •97 59 .02079 .02472 .02471 •02754 .02008 .02141 .84 .84 •75 1.04 •97 6o ,02248 .02669 .02653 .02968 •02175 .02311 .84 •85 .76 1.03 •97 6i .02434 .02888 •02853 .03204 .02361 .02500 .84 •85 76 103 •97 62 .02638 .03129 .03070 .03464 .02569 .02709 .84 .86 •76 1.03 •97 63 .02863 •03394 •0331 I •03749 .02802 .02942 .84 .86 .76 1.02 •97 64 .03110 .03687 •03574 .0404 I .03062 .03199 .84 .87 •77 1.02 •97 ^A .03382 .04013 .03864 •04343 •03351 •03485 .84 .88 •78 1, 01 •97 66 .03681 •04371 .04179 .04657 03675 .03801 .84 .88 •79 I. CO •97 ^. .04010 .04765 .04528 .04989 •04035 ■04153 .84 .89 .80 •99 •97 68 •04371 .05200 04904 •05323 04437 •04543 .84 .89 .82 •99 .96 69 .04768 .05676 •05324 •05734 .04885 04975 .84 .90 •83 .98 .96 70 .05204 .06109 •05778 .06219 •05384 •05454 .84 •90 .84 •97 95 71 .05683 .C6767 06278 .06805 •05939 .05986 .84 ,90 .84 .96 •95 72 .00207 •07373 .06822 .07494 •06557 •06576 .84 .91 •83 •95 •94 73 ,06783 .08018 •07415 ,08286 •07243 .07230 •85 •91 .82 •94 •94 74 •07413 08703 .08071 .09120 .08006 .07956 •85 .92 .81 •93 •93 75 .08104 •09437 .08779 09836 .08852 ,08761 .86 .92 .82 .92 •93 76 .08860 .10231 •09550 .10637 .09789 .09654 .87 •93 •83 .91 .92 77 .09686 .11106 .10400 .11469 ,10827 .10644 •87 •93 .84 .89 .91 7^ .10589 .12083 .11318 .12321 •i'975 •U743 .88 •94 .86 .88 .90 79 •"573 •13173 .12319 •13306 .13242 .12961 .88 ■94 ■87 .87 .89 8o .12647 .14447 •13407 .14465 .14638 •14313 ,88 •94 •87 ,86 .88 Si ,13816 .15861 •14583 .15804 .16174 .15812 ■87 •95 .87 •85 •87 82 .15087 •1743J .15870 •17135 .17861 .17414 •87 •95 .88 .84 •87 83 .16468 .19156 .T7246 .18585 ,19709 .19318 .86 •95 .89 .84 •85 84 .17964 .21136 .18752 .19888 .21727 .21364 •85 .96 .90 ■83 .84 85 ■'9583 •23555 .20363 .20989 •23927 .23632 •83 .96 •93 .82 •83 TABLE XIII. Exposed to Risk and Died in quinquennial groups ol' ages, .ll«o the Expected Deaths by other TabUs o/ Mortality. Completed Ages. Carjad.i ,ifc. KxiwrtrS-2 262.2 265-3 176.8 227.2 15 I.I 1 6 1 . 1 30-34 50229.7 274 3335 34'- 344-1 433- 350-1 412.4 266.2 342.1 243-1 267.2 35-39 514503 323 394-1 3699 392.6 475-9 406.5 4903 360.2 4 1 O.I 317-4 3447 40-44 45226. 321 349-6 389-8 396.2 464-S 424.7 482.6 402.5 430.1 358.6 380.4 45-49 3S3IO. 331 3S:-3 352-4 363- 425.8 380.6 480.9 360.2 456.2 352- 377-8 50-54 25124.7 315 312. 339-2 332.7 388.4 347-7 436.2 354-3 438.2 313-8 353-3 55-59 16. •29.7 288 267.S 304.6 289.4 347-8 302.7 389-4 360.3 412.9 257-4 282.9 60-64 9083.7 245 233-6 245-3 240.4 285. 2434 315-8 289.8 33S.6 208.5 248.3 65-69 4646.7 176 189. 185.8 179-8 221.5 177-3 233-' 203-5 267.6 191.6 224-S 70-74 2079.7 124 124.2 135-8 107.6 152-3 "5-5 '52-4 142.5 175-4 'oS-3 137 6 75-79 m- 76 74.6 75-8 75-S 828 63-5 82.8 72.9 91-5 65-2 56.2 20-79 295507 8 2748. J973-6 3124.3 . 5136-2 3726.1 ^ 5190.5 5857-7 3062. 570S.2 2621,6 2890.9 Pcrcentair to 01 e of Cmada Lif ler Tables e 92.4 88. 87.6 73-8 86.1 71.2 89.7 74 I 104.8 95-1 : i " H > u CO < 18 a D 2 c c V 3 cr c 3 O" 0) o i. * o t fO fO H VO (A ro ^ ui vO 00 q 'I- r>. r^ 00 VO Tf <■ 1 1 -' - ~ N 4 vd 1^ 3 < 1 ■< 00 < a < 17 O "^ "t r- tri r* o- VO m -»• N Cv .1 1 T*- o^ 00 M o> Ov 'T 00 Ov ri >o in in U << fO ro ■* vO r-^ Ov N VO N '^ q VO * •^ t^ fi -t in CO 3 < ^ >- Z < z a: <4 . O M M f^ M N •t •«»■ 00 N o -2J^ a\ O 00 Ov IT) CT ■<1- t N vO f^ in .?1j VO m \D t^ a> N 1^ m t>. 1^ "t — UJ '^ M ■M* ri rO in co' ri O — z ■ill o O o O O O r^ ^ fO o Ov N tM N ov 00 !/■) 00 < 1- %?i f f "? r>- 00 q •* N ro CO vq ca '^■ss ^ ^ pi th -f VO Cv < Ul EC O i! t 00 )mt fO r^ N VO Ov r^ r- cv Cv H'^'SS 00 0^ N xn vC VO fO Cv (^ M ri Cv •= ^ "s VO ■o 00 (> q ro r^ ro •t o *■? Cv ^ ^ - "^ " ri 'h in r^ d £>§ B "^ t^ N i~^ ov OO 't »r, o VO VO f^ .£-c S ^ oo CO o ON ro r-. 00 VO to — in r^ ^ k€ « « >o NO r^ qv O fO 00 vq 00 lO f H|o S VO trt ri fO ir, CO 00 si M o M m 1^ VO 00 VO o N vO N M -t t r^ VO ri Cv II t^ 00 00 Cv q n in — r^ rn o <0 UJ — *- "■ — fi r'; ■i- 1^ 6 ^ < P ^^ 1- ■— "(5 «i lO o\ lO fO o 00 t ro r^ O -f tri (0 t; 3 u a> , 1 — o iJ 3 - £ ■M N C-. o- N 00 r^ O ov n o 5-^ ij o o. r^ VO ov >r) 1^ o ro vO 3 JJ— . r* vq vO t^ 00 Ov fO 00 1^ Ov m o ►-■ » fi ro vC o >'. •^ 1*' I:: j« J s ■* ^ •* VO ro lO « ri 1^ 't f) r=t ■^ t^ VO VO r-» Ov -*• in r^ vO 1^ o -o ^ vq r^ 1^ q- fj VC >n q Cv qv a fc> ^* ^ ri »i- in CJv ?: y < o n o >Ji vn 00 k- VO t in w o c- rj < "rt^ CO o t M KN fc >o r^ O CO r^ Cv z Sj '*• iri in vq t~ qv N 1^ r^ r- Cv o < o u t-* •-1 ri ro m d J' < ■* Ov ? Ov 5 Ov ':!• Ov rj- Ov ■* Ov 1 "5. 7 'l' fO ■<* to Y^ vO VO r^ r» o «n 1 o 1 o 1 1 O 1 IT) 1 O 1 PJ N fO ro Tt -"l- \n »o VO VO t^ t^ B o U TABLE XV. Acu.ai Deaths by years or Assurance in ,he Canada Life Assurance Corr,pany rompa^^a uUh Kjcpecle.l n.,„„„ ,,„ „„„.^ j-abtr. \, \ I ALL AGES COMDJNED. Auslfalian ^'lll. l'r.>viiti!lll Socicly. TABLE XVI. Annual Rote of Mcjrtolity by Yenrs of Assur-nnco. ALL AOIS OOMBINID, \l i .pl >i 1 i 1 tr .UniKtlitu 1 If V mil per aintiiw. Vcnr 1* 1 < ' r I ti 1 1 1 y Aiiurance. !',\|>osril lo Risk of Death. Died. pf-r cent. per annum. f'aiiadn Mfc. Mutual Life of New Yurk. Conncclicut Mutual. Mutiinl lieiiefil. H"< Tah]c, Thirty Americnn Oflircn. Au^trnlian Mutual l*rov. .Sitcit-ty, (1888.) I 34046 I 12 ■329 (Males.) .746 .604 •459 (Malei.) .498 .629 •3^3 2 27534 •58 •574 .O49 .816 •749 .762 ,810 .482 3 24478 .48 .60s .761 .812 ,858 .989 .921 •543 4 22066 140 .f>3\ •«55 .927 .968 1.150 1. 000 • 586 5 '975' •25 ■(>33 .928 .956 1,058 1.316 1.091 .684 { 17898 >39 •777 i.ooS I.I 14 I.IOI 1.308 1.136 •732 7 16384 «34 .818 ••035 1.086 1. 021 1.425 1.168 .812 8 14861 '35 .908 1.107 1.127 1.131 1.489 1.225 -852 9 '35o« '23 .911 1,002 1.242 1.192 ••534 1.196 •995 10 1 3306 112 .910 1. 151 1.207 1.141 1.630 1.231 ■99' II I i oS r •05 .948 1.220 1.262 '•370 1.801 ••273 •934 12 10043 104 1. 036 1.419 1.320 1 312 1.789 ••336 1.049 13 8yo8 80 .898 1,360 '•365 ••392 1.992 I. .+91 1.214 14 7870 83 '•055 1.050 '•536 ••553 2.132 1.406 1. 188 15 7036 89 1.265 1.223 '■^'35 ••5'4 2.282 1.464 1.290 i6 86.1 77-5 61.9 56. J 94.9 859 963 78.6 87. 88. t 96.8 73-4 64.9 86. 85.5 63.2 100. 68.1 .S9-7 lOI.I 56.6 57-4 75-4 79- 72.S 102.3 26 27 28 29 30 92.1 •ts.8 1 18.4 ■f^^5.4 '53-5 77.8 122.2 100. 126.5 94-3 59-3 115.8 96.7 102,4 95-7 . 62.5 74.6 65-9 ' 96.6 75- 87.5 112 8 92.1 122.9 '43-5 79'5 •25-7 .38.1 200. 101.5 "' . ] 1-30 81.7 73-1 74- 581 73-6 97.6 ^__ _ - — - — - . 6-30 75-3 84.2 63.8 77-1 f'5 4 77-7 60.8 57-2 62.2 78.8 i '04-5 963 ' TABLE XVIII. PART 1. Experience during the First Five Years of Assurance. Actual Ases. 19-24 25-29 30 34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 Can.'ida Life. Kxposed. 17086. 30109.5 28300. 2173I- 14467. 8492.5 4537-5 195S 657-5 209.5 Died. ICxpcctcd Dc-iths by Mutu.ll lien efit n( New Jersey. 19-69 127548.5 83-5 '38.5 123-5 112. 5 73- 65- 42-5 23-5 13-5 4-5 Connecticut Mu'u.il. (M.lles.) 680. 119. 2 1 1-5 '75- 152- 120. 81. 59- 14- 14. 7- 141-5 2>35-5 181. '53-5 119. 76-5 52-5 36-5 '5-5 5- Mutual Life of New Yorl<. 972.5 986.5 112. 170.5 168.5 I515 98. 78. 46.5 28.5 15- 9- Scottish Widows I'und. Hm (0—5) Table. 68.5 "4-5 '27-5 119-5 94. 65-5 36- 36. 15- 7-5 III. 185. 210.5 '75-5 128.5 100. 56.5 38. 19. 8. .Australi.nn Mutual Prov. Society, 1888. (Assumed Ages.) 877-5 684. I 032. 54-5 n6. 1235 124.5 96.5 64- 5 50- 20. '7-5 5-5 672-.^ PART 2.-Experience excluding the First Five Years of of Assurance. -\ctiia! Ages, 24-88 24 29 30-34 35 39 40-44 45-49 50-54 55-59 60-64 65 69 70-74 75-79 80-84 85-88 Can.tda Life Exposed. 8510. 21929.5 297 '9-5 30759- 26817.5 20587. 14271.5 84:6.5 4437- 2061.5 753- 166.5 30-5 Died. 55-5 '50.5 210.5 248.5 265-5 272.5 264.5 231-5 I7I-S 121.5 76. 28.5 5- Expected Deaths l)y 168469. 2 T O 1 . 5 Mutual Uenefit of New Jersey. 54- 169.5 219. 271-5 273- 281.S 272.5 236.5 t8i. 125- 76 2S-S 8-5 Connecticut Mutu.1I. (Male.s.) Miiual Life of New York. 80.5 172. 248. 282.5 296. 2S7. 25'- 227.5 176.5 106.5 75- 23 5- 75- 187-5 261. 270.5 282.5 283.5 249. 225. 1795 120. 75-5 21-5 2-5 Scottish Widows' Fund. 2203.5 j 2230.5 ' 223(J. 67. 142.5 238. 3045 289.5 313- 322.5 2745 195-5 142.5 73. 24. 7- 23935 Hm(5) Table. 79-5 207, 3'9-5 358 384- 386.5 356-5 301- 228.5 '53- 84. 27-5 7- Australian Mutual Prov. .Society, 1888. (.Assumed Ages.) 2892 35- 121. 5 196. 2695 296-5 267. 243- 190. .85. 105. 65-5 18.S 6-5 1999 rJ TABLE XIX. lint 888. .) 1 PART 1 -Annual Rate of Mortality per cent ri,:sf Fire Tears of yl gMiiranrr. Aiistr.-ili.iii Mutual Vov. So..iely(iS88). (At AsMimc'd A^es.) PART 2-Annual Rate of Mortality per cent. JCxrUidhiij 1-irst J'iee 1 tar.s nj Asmiruiio; Au^iralian Muiu.nl I'ruv, .Soii.ily(iSb6). (At Assuiiml Ages.) TABLE XX. PART 1. -Annual Rates of Mortality per cent, for Central Ages at entry, by c|uinquennial years of assurance. Central Years tif Assurance. Age .It Kiury. IS a-10 tuts lO-SO tit-Sli se-30 Over 30. 20 .566 .644 .720 35 450 -639 .637 .898 1-345 1.362 30 435 -673 .784 -956 1,46s 2.591 3.629 35 499 .840 1.085 1. 146 '•933 4-007 4.646 40 508 .870 i-'57 1-732 2888 4.018 6.277 45 732 1-335 1.384 2.304 3-279 5-381 13,111 50 y'3 1.994 2.692 3-380 7 407 ri.297 20536 55 • 089 2-527 3.086 6.977 9453 60 2 038 2.3S7 6.01 1 PART 2. -Annual Rates of Mortality per cent, for Ages at Exposure, by quinquennial years of assurance, Ar<-s at Years uf Assuraitrr, Exposure. t-S r,-to tits 1».30 »/-»5 sr,-3o Over 30. 20-24 475 1 25 29 473 .638 30-34 •436 -655 -73t 35 39 513 .662 .640 1. 1 63 40 44 503 .809 -837 -82s •571 45-49 7'7 .920 .851 1-083 1.320 2.083 50 54 9'J5 1-339 1.277 '•035 1.489 1.623 1.277 55 59 I '57 i.Sii C.481 i.6ri 2.000 2.222 2.260 60 64 I 972 2-335 2.40C 2-454 2.516 3-913 3-028 65 69 ^^3 3.110 3-758 3-279 4-290 4417 3-552 70-74 5.618 5-769 6.920 5-045 4.910 5.760 75 79 1 10.959 1 12,632 11.278 7.966 TABLE XXI. Commutation and Life Annuity Values, Canada Li fe Experience, K^cludiHu l/,„ rirnt five T,;tr» of Assurance. INTEREST AT 4°'o. ■■tc<:. 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 /J. 38005. 36309. 346S9. 33140. 31650. 30243- 288S9. 27594. 26355- 25171. 24038. 22954- 2191 6. 20922. 19971. 19059. 18185. 17346. 16542. 15771. '5031. •4320. 13732. 12981. 12349- 11742. .115S. 10596. 10054. 9531-4 9027.5 «54i-3 8071.8 7618.4 7180.0 6756-3 6346.7 5950.4 5567.4 5'97-o A^, 708880. 672571. 637882. 604742, 573092. 542849. 513960. 486366. 46001 1, 434840. 410802. 387848. 365932. 345010. 325039- 305980. 287795- 270449. 253907. 238136. 223105. 208785. 195053- 182072. 169723. 157981. 146S23. 136227. 126172.S 1 1664 1.4 107613.9 99072.6 91000 8 83382.4 76202.4 69446.1 63099.4 57149.0 51581-6 463S4.6 18-6523 18.5235 18.3886 18.2481 18.1072 17.9496 17.7909 176258 17-4544 17-2754 17-0897 16.8968 16.6970 16.4903 16-2755 16.0544 15.8260 'S-59I4 15-3492 15.0996 14-8430 14.5800 14.2043 14.0260 13-7439 13-4544 13-1585 12.8565 12-5495 12.2376 11.9207 11.5992 11.2739 10-9449 10.6131 10.2787 9.9421 9.6042 9.2649 8-9253 ^S(. 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 lOI 102 £>. 4S39-1 4493-5 4 '59- 7 3837-7 3527-6 32293 2942.9 2668.6 2406.5 2157-0 1920.3 1696.8 1487.0 1291-3 1 1 10. 1 943-91 792.82 657.00 536-42 430.85 339-86 202.79 1 98- 78 146.76 105.50 73-629 49-743 32.421 20.312 12.182 6 9626 3-7738 1. 929 1 .92448 .41258 .17022 .064400 .022145 A^. 41545s 37052.0 32892.3 29054.6 25527-0 22297.7 19354-8 16686.2 14279-7 1 21 22.7 10202.4 8505-6 7018.6 5727-3 4617.23 3673-32 2880.50 2223.50 1687.08 1256.23 916.37 653-58 454-80 308.04 202.546 128.917 79-174 46-753 26.441 M-2S93 7.2967 35229 1.59382 .66934 .25676 .086545 .022145 8-5854 8.2458 7.9074 7-5708 7.2364 6.9048 6-5768 6.2528 5-9338 5.6202 5-3129 5.0127 4.7200 4-4353 4-1593 3.8916 36332 33843 31451 2-9157 2.6963 2.4871 2.2S80 2.0989 1-9199 1-7509 1-5917 1. 4421 1-3017 1-1705 1.0480 ■9335 .S262 -7240 -6223 .5084 -3439 TABLE XXII. PART i —Table of Observations on Rated -up Lives. No. of Vo.irs Kaled-np. Existing. Withdrawn. Matured. Died. Total. I 2 3 4 5 6 7 8 10 13 14 l8 Totals, 51 78 121 8 89 I 6 I 20 I 65 77 74 4 42 21 I 2 I 2 31 16 29 4 5 3 I 89 149 172 226 16 136 I 6 I 44 I I I 376 284 5 754 PART 2.-Experience on Rated-up Lives. AT ACTUAL AGES. 1 AI' ASSU.MLD AUKS. Ages. 13-19 20-29 30-39 40-49 50-59 60 69 70-79 8083 Exposed. Died. E.vjiecied Deaths hy E.vpuscd. Died. Expected Deaths by Canada Life i>continn aiiccs on IJasi, ol" Kxposiires in Col. 2. ' 50'5-5 1 2661. i '992-5 ■ '603. 1 116.5 8,5. 692. 537^5 425-5 316. 2i)2 240.5 172. '33^ 107. 63 49 38 28 23 19. 12. 7^ Y.,ir of .AsstiT 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 I 46 -23 32 Kxpo^ed. 1874 '59' ' 403 1222 1061 937 825 3"5 309 267 220 iSo '34 103 73 48 28 4 Di.scon- tinucd. CAHASA LIFE. 8 5 4 5 8 748 I 3 654 1 5 549 4 450 ; 4 399 I 1 1 I 2 o I o o o o -93692 } 11650 280248 290563 "5 79 11634 Per cent. IJiscunlinued. .480 •503 •570 .409 •377 •534 .970 .401 ■765 •729 .889 •25' 274 324 375 9c 9 000 .746 .coo .000 .208 .coo .000 3^967 4' 32 4 004 COHHECTICCT MUTUAL Per cent. iJi&cnnliti- ntd 'Premium Pay'Kl.ifc Policies. Males ) Expected Discontinu aiices on liasis of Exposures in Col. 2. 24 to }.28 32 / ^2y, ^•8.S7 6.27 '6358. 16387.5 F TABLE XXIV. Rate of Discontinuance per cent, by years of Assuran ce. Year of Assurance. I 2 3 4 5 6 7 8 9 10 II 12 13 14 15 i6 17 i8 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 Mutual I.ifc of New Vork. 5-4 lO.O 6.8 4.8 3S 2.6 3-8 2.0 2.2 1.8 2.0 1. 9 1.9 2.t 1.4 1.6 1.4 '•3 I.O 1.2 1-3 1.4 1.4 .6 ■5 •9 ■9 •4 2.1 .Inslr.tliaii Mudial I'roviikiit Socicly. (18SS.) 123 13.6 4.1 2 /< 2.4 2-3 2-3 2.2 2.0 I 8 1.8 1-7 1-7 1.4 1.6 1.8 1.6 1-5 1-7 i-S 1.8 1.8 1.6 1.2 1.6 1.6 1.8 1-5 '•3 1-3 1.4 .8 I.I 2-7 .0 .0 6.2 S-i .0 .0 Tliinv .Viiiericaii Ofilces. (Malt Lives.) 9-58 18.26 10.38 8.40 6.97 6.08 5.02 S'4o .5-45 -'93 2.76 2.41 1. 91 1-59 1.79 i'3 '•',5 .89 .88 •79 •79 •77 .70 •63 •45 •44 •S3 •54 .70 1 36 .60 Hm Tabic. 2.7 7.0 4.9 4.1 3-3 3-b 1.8 '•5 '•5 ' 4 1.2 1.2 1. 1 1.0 ■9 .8 .8 .8 •7 .8 .6 .6 •7 .6 •4 •5 •4 •3 ■4 •5 .6 •4 .0 •3 .0 •4 •5 .0 I. Tweiuy-ihrce Gennan C)fFice.s. 10.2 5^3 4.1 3- 1 2.7 2.1 1.8 i-S ••3 1-3 1.2 1.0 •9 .8 •9 .6 ■7 •S •5 • 7 •5 •4 .6 •7 •4 •5 •7 .6 •5 •4 •5 •7 1.0 .6 •5 •4 ■9 1.0 15 '•3 .0 .0 2.8 3^7 Ul V i. 0, CM CO c c fl) > 0" X c X 3 u a -1 2 t3 — < w H o c CS D c c o w ■ . T V '^ 'O o o o to •JllOD .U(l S.)3Ui;iulIUIO,T.|Q 0""^-^?^'^^ roo o * • ■ . '7" ^ ^ "^ f^ o 'onutjiiuiniODstfi JO >(sijj „i pjsodxjj "^ O vo -}• P) ^J IT) « ^ ^l - rp Os fj Q „ 1^ •ODUCTUlMUOOSIfJ JO iivij, 01 p3iodx;.j ■11103 J.11I •<13111,'|U1I1I103S1Q ^; 9 ?^ =§ .- - SI, .g ^ <-' - M <•. N pj J ^ • ■^«...--m,,,„o3s!a '^^M Si^^^JJjI^'O •n.illulllMlllOD'.nj JO >|si-4 m p.,si,,i.v-^( ■lUDD .10(1 Mr.iii.Muiiiui..isni "2 O O ■- v2 2. ° '^ "^ ^ ~-r ^ ^ ^ ^ iA Z ^ •s3Din:nnnuo3Ft(j ••JoiiTOuinion^ifi 00 ^'5^^'^ O loio JO *,, „. ,..,.,,1 1 .. 2 ^o ^ s: s- s i^ ^ ri ro ro ri OC ro ^ ^ K? ^> }J? i i> i j^ I TABLE XXVI. Compar'ison of the Rntes of Discontinuance i^er cent, in groups of Years of AssLirnnce and groups of Ages at Entr^y. AiiKtfalitin Ulutunl I'rooitlmt Suritty (tSSS), and .Miiliiiil Li/r v} Arm Turk ( tSTSJ. Ages al Kiitry. First Five Years. Second F ve Y'ears. Tliinl V A. M. P Society. At: \'cars. i Miiiual l.ile ' of New York. Kuiirlli (• vc Yt.'tls. Fifth Fi\ A. M. P. Society. e Ycafi. Sivlli Five Year', A. M. P. .Society. Mlltil;il l.if.- i.f .\cw York. A. M. P. Society. .VIutlKil Life of New York. A. M. !\ Sucicty. Milln.ll Life of New York. MuiiKil Life of New- York. A. M. P. Society. Mutual Life of New York. 20-24 9.1 10.3 2.1 5-« '•5 I.S ■9 '■5 •9 ■9 •7 .6 25 29 8.7 7.8 2.0 3.2 '•5 1.7 I.O 1.4 1.2 I.I 2,1 ■5 30-34 7-3 6.2 2.1 5-0 '•5 1.8 ^■5 1.4 1.6 1.2 1-3 .8 35-39 ^'■5 5S 2.0 2.8 1.6 2. 1 1.8 1.4 1.9 '3 • 7 .6 40 44 5-7 5-3 2.2 2.8 1-7 2 > 1.9 1.4 2.1 1.4 '•3 .6 45-49 5-5 5-" 2.4 2-5 1.9 t I 2-3 1.0 2.0 1. 1 I.I 1.2 50-54 4-5 4.7 2.2 2.;^ 23 1.8 2.4 1.6 1.2 1.4 1.6 5'" 55-59 4.8 4-7 2.4 1.4 2-3 ~ 1.6 1.9 •9 2-3 2-5 2.6 60 & over. 5-6 :i'3 4-5 3-3 31 3-2 1 5'S 6.1 28,6 ..^ N .1 I: ¥ ^ h 1 ■ t ft • 200 i.»o 5 J >- / --'.- m 1 \ ^/ 'X-X on LU y- (D =) ^, < liJ Z -J L^ s ^ ;5 a: '^ y u] u. a. Li_ m ° X o S 5P i^ LU z g X m ^ 2 •" i^ < o X "^ E z (- z; Q LiJ 1 1 1 ! I 1 t J 1 / rii''' ■ / ^ i-TeC: ^ j 1 ,..-•■■' / y" / Y -''tcT- Sv* \ ^ / f |i^-i* ' 1 1 1 •'fit r \ \ ■ 2':i i lOss; V > 1 • • * • ■;:: '■-., \^ ^»-— •^ ""■■-- \ re- ft in I \ lfl^C^ 1 ^ i 1 ^ 1 r M-?l 0-1 Z i ^ • ; 5 5 C > 5 > I ^ S: x: o fl ?l — ^■5 i / ACTUAL NUMBER OF DEATHS IN GROUPS OF FIVE AGES,. COMPARED WITH THE EXPECTED NUMBER BY THE AMERICAN EXPERIENCE TABLE . / ^ / ^ / / / ' % ' \_ r \ \^ ■" ''■"-... \ \ hs^ ■n 1":^ *-/. f." L t>.-t>. Is-h. :2iS ■ • C V* i^ss; ■A •ef- IMAGE EVALUATION TEST TARGET (MT-3) 1.0 I.I *"lll= |||||M - m i^ It i^ 1 2.0 ill 1.8 1.25 1.4 1.6 -* 6" ► V), c-l '-^ ^% ir> v 4 ^ '^ ^ ^... -^ t Photographic Sciences Corporation 23 WEST MAIN STREET WEBSTER, NY. 14580 (716) 872-4503 ^V iM w^- •1>^ \ ;1? \ ^ ..<$. 6^ > a "i?,^ Q- \ 'M p 'i!'' :'i'' N, I "I >« 1 ^1" 10 I/? PI © <.\J to o o o I ^ 1 J X v^ ACTUAL NUMBER OF DEATHS IN GROUPS OF FIVE AGES, OMPARED WITH THE EXPECTED NUMBER B^ 30 AMERICAN OFFICES' TABLE . J / > / y /^ ^r X / S " / A / 1 f 1 ■ \ \ V \ s^,^^ 1 '""--.. ^ 1 sD :2s aC O.I'; z o o I'; c PI o o o i'5 I'isc; n-i': Co-* 11^ sC5 Cori- fl"?! H ;^ & f i'j p I UJ • t.3 y z UJ ^ q: 3 UJ n J5 X U- UJ O z< WD X 25 tn UJ >- QC UJ < > Z) u- t5 to or: < U- o U- UJ o ►- i=! o H _J m o •c ^ to UJ 1— UJ o < ^ UJ oc > UJ U- ou U- — ) O z (O Q CL UJ Z3 1- o o X M X C o © o w rt M c o o o o c K5 ■" UJ ^ UJ b: >: °* I —'Or < UJ ^ < z: o o 5 a O it o II e o I-? / ,j /^ ,•- y ^ ( X y y^ / / — . Ji 1 /■ f- ' 4- / ' 1 ^^^^^^K p \ -•^. \ ^ "i>( ■^ . •A •ot. < ICoO! lOsOi tf-C iflefli ©84- iflsJ Oo-r ■J. on ii UJ to X so. 5 < :d Uu O »- Q to r; Uu > X t»; I— t- en H- P" U ( J Q to ■n _j UJ O •X. X t- lij >- c/i m LU rr CJ III < a? UJ 2 > ID to a. o cc to UJ Q < Z Q i UJ •.■:: h- O UJ CL X U4 UJ X h- X $ Q UJ cr < CL o ^ M o e e e e 10 o lo f* M M — § o J.. 2 'o j:^_ « iTs^ / ■c*-r. t-ii^ / l>.*-r» ,l|f^(X ^ r -'*'■ -^ ■3^3 ^--' / .J? ; / / '3'9 \ * \ 1 "4 m ^^5 ^ \ .- ■ \ . "^, \ \ X '">» ^ '^^ I ^ X. •i-oCi Z 5 r ^ 1 e> c ■r. J,. i It I », 1 I; ,,; >- lU z o ii... i a: UJ Z) u. -1 < _l ii < o _) »- < D 2 UJ >- u > h- u. U. (- (O LU DC ll , '^ LU CD 2: DC III u a, x; LU X m Ul X CO h- u >- C3 DQ < Dd u lU > m u. 2 Ii. 3 Z CO Q n U --) 1- oc to U u a X z LU LU CA) X I 1- s X 1- Q $: -J Q < U r) DC t- ^ y^ r ■ / y r i r l/t-HIO 1 i i 1 ^ Ifl 055 \ '**'•+ \ \ \ lO oC5 ^ ~-v \^ Co>J. "^-. • in I h DC o.-i Z s^ Tj-oCi > C s if 200 150 100 Ji^ ^^ IC o ( #* 'V 1 • RATIO PER CENT OF THE RATES OF MORTALITY BY DIFFERENT EXPhHlENCFS TO THOSE OF THE CANADA LIFE. — } / \ J ' J \\ r- / / r 1 • 1 1 t / / J 1 / # / f 1 t / 1 / • / * / / / / / ( § » / # / / f * ■ V i Q .... I o ^' X ty o to ■-- 2 « CE Z UJ .^ . . >P s y o z t ^ G ^ U- UJ tu — tti < o < _j _^ i- cj s? ri ^ < 1 / / / y'j / > / / • 1 1 / « 4* * 4 * t 1/ (f / ( f f / / / f ^ // t3 a: iij t r: llj z .; ^ ^ o III 2 o 1 .' ./ , 1 1 • 1 . / 1 S • \} 1 , _i 1 o o ^5 IC s o 10 11^ lo t n fC i3) 'I.