,^ IMAGE EVALUATION TEST TARGET (MT-3) 1.0 1.1 1^ £f |i£ 12.0 U 116 Photographic Sciences Corporalion ' il 23 WIST MAIN STRHT WIICTIR,N.Y. MSN (71«)t73-4S03 ^^ ^\ ^cN CIHM/ICMH Microfiche Series. CIHM/ICIVIH Collection de microfiches. Canadian Institute for Historical IVIicroreproductions / Institut Canadian de microreproductions historiquas Tschntcal and Bibliographic Notaa/Notaa tachniquas at bibliographiquas Th« toti Tha Inttituta haa attamptad to obtain tha baat original copy availabia for filming. Faaturaa of this copy vtfhich may ba bibliographically uniqua. which may altar any of tha imagas in tha raproduction, or which may significantly changa tha usual mathod of filming, ara chackad baiow. □ Colourad covars/ Couvartura da coulaur [~n Covars damagad/ D Couvartura andommagAa Covars rastorad and/or taminatad/ Couvartura rastauria at/ou pallicul^ □ Covar titia miaaing/ La titra da couvartura manqua □ Colourad mapa/ Cartas g^ographiquaa 9n coulaur r^^ Colourad ink (i.a. othar than blua or black)/ LLJ Encra da coulaur {i.: autro qua blaua ou noira) I — I Colourad platas and/or illustrations/ n n \3i Planchas at/ou illustrations tt coulaur Bound with othar matorial/ Rail* avac d'autras documants Tight binding may causa shadows or distortion along intarior margin/ Larsliura sarrAa paut causar da I'ombra ou da la distorsion la long da la marga Intiriaur* Blank laavas addad during rastoration may appaar within tha taxt. Whanavar possibia, thasa hava baan omittad from filming/ II sa paut qua cartainaa pagMi bianchas ajoutias lors d'una rastauration apparaisaant dana la taxta. mala, lorsqua caia itait possibia. eas pagaa n'ont pas *t« filmAas. Additional commants:/ Commantairas supplimantairas: [Printed ephemera] 1 sheet, [4] p. L'Institut a microfilm^ la maillaur axamplaira qu'il lui a M possibia da sa procurer. Las details da cat axamplaira qui sont paut-Atra uniques du point da vua bibliographiqua. qui pauvant modifier una image raproduite. ou qui pauvent exigar une modification dans la mithoda normala da fiimaga sont indiqute ci-dassous. r~n Colourad pages/ Pages de couleur Pages damaged/ Pages endommag^es Pages restored and/oi Pages restauries at/ou palliculies r~~] Pages damaged/ r~n Pages restored and/or laminated/ r~~U^Pagas discoloured, stained or foxed/ \Jl1 Pages dicolortos. tachaties ou piqutes □Pages detached/ Pages ditachies r~7^ Showthrough/ L_J Transparence □ Quality of print varies/ Quality inigala de I'impression □ Includes supplementary material/ Comprend du material supplAmantaira □ Only edition available/ Seule Edition disponible The posi ofti film Orifl begl tha sion oth4 first slon or II The shal TINI whi Mai dlff( onti bag righ raqi met D Pages wholly or psrtially obscured by errata slips, tissues, etc., have been refilmed to ensure the best possible image/ Lea pages totalement ou pertieilement obscurcies par un fauillet d'errata, une peiure, etc., ont iti fiimtes i nouveau da fapon i obtanir la meilleure image possible. This item is filmed at the reduction ratio checked below/ Ce document est filmi au taux de rMuction indiqu* ei-dessous. 10X 14X 18X 22X 2tX »x 12X 3 16X 20X 24X 28X 32X Thfl copy filmad h«r* hM b««n r«produc«« film*, at an conformM avac las conditions du contrat da filmaga. Las axamplairaa originaux dont la couvorturo on poplar ast Imprimte sont fllmAs on common^nt par la pramiar plat st an tarminant soit par la darnlAra iwga qui comporto uno omprointo dimprosslon ou dlllustration. aoit par la aacond plat, salon lo caa. Toua las autraa axamplairaa originaux sont filmte on commonpant par la pramiAra paga qui comporto uno omprointo d'improasion ou d'iilustration ot on tormlnant par la darnlAra paga qui comporto uno tollo omprointo. Tho last racordod frama on oach microfiche shall contain tha symbol — »- (moaning "CON- TINUED"), or tho symbol V (moaning "END"), whichavar appiiaa. Un das aymbolos suivants apparattra aur la darniAra imaga da chaqua microficho, aalon lo cos: la symbolo -^ signifio "A SUIVRE", lo symbolo y signifio "FIN". (Maps, platas. charts, ate. may ba filmad at diffarant raduction ratios. Thoso too larga to bo ontiroiy included ir! ono oxposuro ara filmad baginning in tha uppar iaft hand cornor, loft to right and top to bottom, aa many framas as raquirad. Tha following diagrama illuatrata tha mathod: Laa cartas, planchas. tableaux, ate, pauvant Atra filmfo A das taux da rMuction diffironta. Loraqua la document eat trop grand pour itro roproduit on un aaul clichA, il aat film* i partir da I'angia supAriaur gaucha. da gaucha A droKo. ot do haut an bas. an pranant la nombro d'imagas nAcassaira. Laa diagrammaa auivanta illuatrant la mAthodo. 1 2 3 1 2 3 4 5 6 Xi ffi FEDERAL LIFE Assurance Co. GUARANTEE CAPITAL, $700,000.00 IN ADDITION TO RESERVES AND OTHER ASSETS. «gi HEAD OFFICE, HAMILTON, ONT. /(k.-. '-^ GUARANTEED 4% INSURANCE BONDS rORM I ia-1OrM*«-'03. n7HE provisions of these Bonds are of the most ^r liberal nature, and unequalled by any "■■ other offered to the public. • THE BOND • provides for a paid-up participating policy, after the payment of two or more full annual premiums for an amount bearing the same relation to the whole amount of the policy as the number of premiums paid bears to the number required for the full term. It also guarantees on its face the largest cash surrender values ever given or offered under an endowment contract. The amount pay- able for surrender at the end of any year after the fifth is written in the margin of the Bond. In event of death during the insurance term of the Bond the smallest sum payable to the heirs of the insured is the full amount of the Bond, though death should occur during the term covered by the first premium payment. Should the premiums paid to date of death, with interest compounded at four per cent., exceed the amount of the Bond, such excess will be paid therewith. EXAMPLE.-AGE 45. BOi\U FOR $5,000-PAYABLE IN 15 YEARS. The insurance increases from $5,000 in the first year to over $7,600 before the end of the 15th year. The assured will have the following options on the Bond remaining in force to the end of the fifteen years : ist — To draw in cash at the end*of fifteen years the amount of the Bond and profits. 2nd — To take an annuity for ten years in lieu of the amount of Bond and profits. V^/x> °J^Xp 5) 0(0 y2Xx> °)j^ 5^V Vj^^ S^v y^ V 5^v 3iA!C° ' 0)0^ 0)0 ^c ' 3rd — To draw the profits in cash and take a paid-up Bond for full amount, payable at the death of the insured, and bearing guaranteed dividends equal to four per cent, upon all the premiums paid therefor. The results are estimated as follows : 1— Bond and Profits, $7,650. 2— An Annuity of $943.20 for ten years, aggregating $9,432. 3— Profits, $2,650, and a paid-up Bond for $5,000, payable at the death of the insured, bearing a guaranteed annual dividend of $220.40 during the lifetime of the insured. EXAMPLE-AGE 40. $5,000 BOND PAYABLE IN 'ZO YfZARS. The insurance increases from $5,000 in the first year to over $8,100 before the end of the twentieth year. On the Bond remaining in force to the end of the term of twenty years the assured will have the benefit of the options given in the previous example. The results are estimated as follows : 1— To draw in cash the amount of the Bond and Profits, $8,220. 2— An Annuity of $1,001.35 for ten years, aggregating $10,013.50. 3— Profits, $3220 and a paid-up $5000 Bond, payable at the death of the insured, bearing a guaranteed annual dividend of $209.60 during the lifetime of the insured.