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 ATE OF MORTALITY! 
 
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 JONES. 
 
1 — 
 
 LIBRARY 
 
 OF THE -"^^ 
 
 UNIVERSITY OF CALIFORNIA. 
 
 i 
 
 Chus 
 
^ 
 
A 
 
 SERIES OF TABLES 
 
 OF 
 
 ANNUITIES AND ASSURANCES 
 
 CALCULATED FROM 
 
 NEW RATE OF MOETALITT 
 
 T 
 
 AMONGST 
 
 ASSURED LIVES: 
 
 WITH 
 
 EXAMPLES 
 
 ILLUSTRATIVE OF THEIR CONSTRUCTION AND APPLICATION, 
 
 &c. &c. &c. 
 
 BY 
 
 JENKIN JONES, 
 
 ACTUARY TO THE NATIONAL MERCANTILE LIFE ASSURANCE SOCIETY 
 
 LONDON 
 
 PUBLISHED BY LONGMAN, BROWN, GREEN k. LONGMANS; 
 
 AND JONES & CAUSTON, 47, EASTCHEAP. 
 
 EDINBURGH: A. & C. BLACK. 
 
 1 
 
 *'"'i*%. 
 
 1/?4IV£RS1TY I 
 
-•'^% 
 
 <?^^^ 
 
 V^G- ^47 
 
 PRINTED BT JONES AND CAUSTOW, 47, EASTCHEAP, LONDON . 
 
PHEFACE. 
 
 The object of the present publication, and an 
 explanation of the data, from which the Tables have 
 been computed, are set forth in the " Introduction/' 
 
 It was originally the Author's intention simply to 
 publish a few Tables, with practical examples, illus- 
 trative of their application ; but, in working out the 
 examples, it occurred to him that it would not be 
 unacceptable to those who take an interest in 
 the subject, but who are not familiar with the theory 
 of Annuities and Assurances, if he were also to 
 explain, without using any Algebraic symbols, the 
 principles upon which the Tables were constructed. 
 This he has endeavoured to accomplish. 
 
 To those persons, therefore, who are acquainted 
 with decimal arithmetic, the author thinks that they 
 would find in the '^ Examples'" an ^' Elementary 
 Treatise" on Annuities and Assurances, which would 
 be of considerable service to them by way of prepa- 
 ration for the study of the larger and more compre- 
 hensive treatises by Milne, Bailey, and D, Jones. 
 
 The whole of the computations made from the 
 '' New Rate of Mortality," have been carefully cal- 
 culated by two separate computers 
 
 In the construction of some of the Tables, the 
 
11 
 
 Author is indebted to Mr. Joseph J. Cleghorn, the 
 efficient Deputy to Mr. Griffith Davies, the Actuary 
 of the Guardian Assurance Company^ who had pre- 
 viously computed them for the use of his own office, 
 and which, upon comparison, were found to agree in 
 every respect with those computed by the Author. 
 
 The Author is also indebted to Mr. Griffith Davies^ 
 step-son, Mr. Evan Owen Glynne of the Legal and 
 General Life Office, whose services he was fortunate 
 enough to obtain, and by whom the greater portion 
 of the calculations were made in Duplicate with the 
 Author. 
 
 The Legal Decisions were compiled by the Author's 
 friend, Mr. Hugh Owen, of the Poor Law Commis- 
 sion Office. 
 
 The Author had intended to print, by way of 
 Appendix, a Popular Exposition of the Principles of 
 Assurance, with observations upon the various '^ad- 
 vantages'' held out by the several Life Offices, and 
 a comparison of their rates of premium, &c., but it 
 has been suggested to him that it would be desirable 
 to make a separate, and a very cheap publication of 
 it, which the author purposes doing at a future 
 opportunity. 
 
 National Mercantile 
 
 Life Assurance Society, 
 
 December "11, 1843. 
 
CONTENTS. 
 
 Paste 
 PREFACE. 
 
 INTRODUCTION. 
 
 EXAMPLES ILLUSTRATIVE OF 
 
 Compound Interest, 
 
 Definition of, , , \ 
 
 To find the Amount of Sums at, 2 
 
 Deferred Sums certain, 
 
 Definition of, 4 
 
 To find the Present Values of, 5 
 
 Annuities certain, 
 
 Amounts of, 5 
 
 Present Values of, 9 
 
 Immediate, 9 
 
 Perpetual, 11 
 
 Deferred, 12 
 
 New Rate of Mortality, ., 14 
 
 Probabilities of Life, , 15 
 
 To find the probability of a Life surviving any Age, 18 
 
 Do. Do. failing in any year of Age, 18 
 
 To determine the number and amount of claims that a Life 
 
 Office may expect in a year, 18 
 
 To find the probability of two Lives surviving a term of years, 20 
 
 Expectation of Life 
 
 Definition of, 21 
 
 Mode of constructing Table of, 21 
 
 Comparative Expectations of Life, 23 
 
 Life Annuities and Assurances: 
 
 Construction of D, N, M, &c. columns, 24 
 
 To determine the value of Annuities by the D and N columns, 27 
 
 Do. do. Premiums for Assurances by D and 
 
 M columns, 31 
 
Page 
 EXAMPLES ILLUSTRATIVE OF 
 Life Annuities, 
 
 Single Lives— Ho determine the value of an Annuity by the 
 
 ordinary method, 32 
 
 Joint Lives, ditto, ditto, ditto, 34 
 
 Two Joint Lives, and the Survivor, ditto ditto, 37 
 
 Absolute Reversions : 
 
 Present Values, 38 
 
 Life Assurances, 
 
 Single Lives — Ordinary method of determining Premiums, fur 39 
 Joint Lives, Ditto ditto,' 43 
 
 Last Survivor, Ditto ditto, 45 
 
 Valuation of Policies : 
 
 Construction of Preparatory Tables for, 47 
 
 What is the value of a Policy 48 
 
 Temporary Annuities and Assurances : 
 
 Comparison of the D, N, &c. method and ordinary method 
 of calculating values of, 51 
 
 TABLES : 
 
 Compound Interest — Amounts, !• 
 
 Deferred Sums certain — Present Values, II. 
 
 Annuities certain — Amounts, ' * HI- 
 
 Do. Present Values IV. 
 
 New Rate of Mortality, V. 
 
 Probabilities of Life, VI- 
 
 Expectation of Life VU* 
 
 Comparative Expectations of Life, VIIT. 
 
 D, N, S, M, and R, columns, 
 
 2i per Cent IX. 
 
 3 „ X. 
 
 3^ „ XL 
 
 Life Annuities — Single Lives, XII. 
 
 Do. Joint Lives, XIII. 
 
 Absolute Reversions — Present Values, XIV. 
 
 Life Assurances— Single Lives— Single and Annual Premiums,. . XV. 
 
 Do. Joint do. do. XVI. 
 
 Do. Last Survivor, do. XVII. 
 
 Valuation of Policies— Preparatory Tables : 
 
 Annuities 3 per Cent. — Interpolated for Months, XVIII. 
 
 Single Premiums, do. — Do. XIX. 
 
 LEGAL DECISIONS. 
 
INTRODUCTION. 
 
 The institution of Life Assurance Societies is 
 generally admitted to be one of the most important 
 and benevolent features in modern civilization : and 
 it must be gratifying to all who take an interest in 
 the welfare of society and in the happiness of their 
 species^ to observe the great increase which has 
 taken place in the number of these institutions so 
 far as that fact may be taken as an indication of the 
 increase in the numbers who have availed themselves 
 of their advantages. The great danger^ however, 
 is that by over competition parties may be (as 
 some have been) induced to charge premiums which 
 are too low to cover the risks incurred, and thus be 
 productive of the very mischief which it is ostensibly 
 their object to prevent. 
 
 The great importance of the subject will be 
 manifest when it is considered that thousands of 
 persons are annually investing a large portion of their 
 income to provide subsistence for their families, in the 
 
 c 
 
IV. INTRODUCTION. 
 
 event of their own premature death, and that a very 
 large portion of the property of the country is depen- 
 dent upon the tenure of human life, so that the welfare 
 and future happiness of a large part of the commu- 
 nity are entirely dependent upon the solvency of 
 these institutions. It is therefore of the first im- 
 portance that the tables of rates should be calculated 
 from the most recent and most extensive experience 
 that can be obtained ; so that, on the one hand, they 
 should not be exorbitant; yet, on the other, that 
 they should he fully adequate to cover the risks, and 
 to meet all the liabilities incurred. 
 
 To determine the premiums, single or periodical, 
 which ought to be charged for any description of 
 assurance, it is first necessary to construct a table of 
 mortality — that is, a table exhibiting out of a certain 
 number born or who complete a given age, say 1 00,000, 
 the number who die in each year of age, from birth, or 
 the given age to the extreme of life. It is by means 
 of such a table, combined with the interest of money, 
 that the premiums charged by Life Offices are 
 determined. 
 
 The earlier societies, such as the Amicable, and 
 Royal Exchange, which were established in the 
 ] 7th century, it appears, charged a premium of £5 
 per cent., on all lives assured without reference 
 to age\ but it is needless to add that they have since 
 adopted proportionate rates for the risk of each age ; 
 and in the absence of better materials the premiums 
 charged by the Equitable Life Office were deduced 
 
INTRODUCTION. V 
 
 from the probabilities of life in London during a 
 period of 20 years^ which included the year 1740, 
 when the mortality was considered to be almost 
 equal to that of a plague. These premiums, how- 
 ever, were not deemed by the then Attorney-General 
 to be sufficiently high, and the Crown, in consequence 
 of his recommendation, refused to issue a charter, 
 which naturally retarded very materially the progress 
 of the society. 
 
 In the year 1776, however, the premiums were 
 reduced 1- 10th, and in 1 780, Dr. Price's Northampton 
 Table was adopted as the basis upon which a fresh 
 set of rates was calculated, to which 15 per cent, 
 was added for further security. This, however, was 
 taken off in 1785, and the premiums from that date 
 to the present have remained unaltered. 
 
 The Northampton Table was formed by Dr. Price 
 from bills of the mortality during the years 1735 to 
 1780, in the parish of All Saints, Northampton, 
 which contained little more than half the popula- 
 tion of that town, and on the supposition of a sta- 
 tionary population, whereas the population was 
 then increasing. It is manifest that a rate of 
 mortality so obtained and deduced from the experi- 
 ence of one parish could not be taken as an index of 
 the mortality throughout the kingdom, which con- 
 tains upwards of 12,000 parishes. This, however, 
 is the table used by the majority of the old Life 
 Offices, and by some of the new, although it has 
 apparently been proved^ at least by the experience 
 
VI 
 
 INTRODUCTION. 
 
 of the Equitable, to represent the mortality much 
 too high, especially at the younger and middle ages. 
 This will be seen by the following table extracted 
 from Mr. Morgan's " View of the rise and progress 
 of the Equitable Society/' which shews the num- 
 ber who died in the 12 years preceding 1829, 
 out of a certain number of assurances in force, and 
 contrasts that number with the number that they 
 had reason, according to the Northampton rate to 
 expect to have died in that period. 
 
 Age. 
 
 No. 
 
 Died. 
 
 Should 
 have died. 
 
 20 to 30 
 
 4720 
 
 29 
 
 68 
 
 30 n 40 
 
 15951 
 
 106 
 
 243 
 
 40 // 50 
 
 27072 
 
 201 
 
 506 
 
 60 t 60 
 
 23307 
 
 339 
 
 545 
 
 60 n 70 
 
 14705 
 
 426 
 
 502 
 
 70 // 80 
 
 5056 
 
 289 
 
 290 
 
 80 // 95 
 
 701 
 
 99 
 
 94 
 
 Various other tables of mortality have been con- 
 structed since the Northampton : of those of most 
 note the first is the Swedish, which was constructed 
 from returns collected in the years from 1 755 to 1776, 
 inclusively, and which contained the whole population 
 of Sweden and Finland. This Table has been since 
 corrected from more recent data. The next is a 
 table by Mons. De Parcieux exhibiting the mortality 
 among-st the nominees of the French Tontine. The 
 more recent tables, and those now generally 
 used are the Carlisle and Equitable rates of mor- 
 
INTRODUCTION. Vll 
 
 tality. The Carlisle was framed by Mr. Milne, from 
 observations made by Dr Heysham, of the mortality 
 in that town during the years 1779-1787, upon a 
 population of 8,000 persons. The " Equitable" was 
 framed by Mr. Griffith Davies, from the decrements 
 of life among the members at the Equitable, and 
 subsequently by Mr. Morgan, from more complete 
 data, so that Mr. Davies' table can now only be 
 considered as a graduated Carlisle. 
 
 The Carlisle table agrees very closely with the 
 Equitable, but independently of the objection to a 
 table based upon so few observations, it will be found, 
 notwithstanding its close agreement with the Equi- 
 table experience, that for the want of a greater 
 number of observations at each age, and the table 
 not being graduated, but confined strictly to the 
 data afforded at each age, the Carlisle is imprac- 
 ticable as a basis for temporary assurances, for, on 
 account of the irregularities in the probabilities of 
 dying in one year at several of the ages, the pre- 
 miums deduced therefrom would, in some instances, 
 be greater for young lives than for old ones. For 
 example — at 45 the premium to assure ^1000 for 
 one year would he £\4 8s. Or/., and at 50 it would 
 be .^'IS Os. Od. The irregularities in the probabilities 
 would also affect survivorship assurances, as the 
 probability of surviving one year is an important 
 element in the calculation of those contingencies. 
 
 Mr. Milne states that the Carlisle table differs very 
 little from the general law that obtains throughout 
 
Vlll INTRODUCTION. 
 
 the country, taking town and country together. But 
 supposing the Carlisle, or any other table, to repre- 
 sent accurately the mortality of the united kingdom, 
 such a rate ought only to be used in the absence of 
 the actual experience of the mortality amongst 
 assured lives, for offices do not take lives indiscrimi- 
 nately, but have the power of selection. Now if an 
 office is prudently conducted, all doubtful lives are 
 rejected; andif it were possible to select all good lives 
 such a table as the Carlisle would manifestly repre- 
 sent a mortality higher than that which would pre- 
 vail amongst the lives actually assured. As there 
 is also greater laxity in the selection of lives in some 
 offices than in others, and as it will happen, even 
 with the utmost vigilance exercised, that some 
 unsound lives will be passed as eligible, it is manifest 
 that a rate of mortality, deduced from the combined 
 experience of the various Life Offices, is the most 
 consistent, and the safest basis upon which the rates 
 of assurance ought to be determined. 
 
 Mr. Griffith Davies, the able and experienced 
 Actuary of the Guardian Life Office, in his observa- 
 tions upon the data afforded by the Equitable 
 observes, — '"^ It must be allowed that however 
 doubtful the limited experience of a new institution 
 might be regarded, the proportions stated by Mr. 
 Morgan, repeated and confirmed as they have been for 
 a period exceeding half a century, afford more satis- 
 factory data for determining the rate of mortality among 
 assuredlives, than any registers hitherto made public.'' 
 
INTRODUCTION. IX 
 
 Mr. Babbage, in his " Comparative view of the 
 various Institutions for the Assurance of Lives/' says^ 
 in reference to the best data for constructing a rate 
 of mortality, that ^' It is, therefore, to be expected 
 that the law of mortality which exists amongst 
 assurers, should approach more nearly to that 
 which takes place amongst select classes of mankind, 
 such as amongst annuitants, (where it is the interest 
 of each proprietor to select a good life) than to more 
 indiscriminate bodies of people. Although there exist 
 good observations of this kind, I am not aware of 
 their having been employed as the basis of any 
 table of premiums for assurances.'^ 
 
 ^' Having now pointed out the defects of the tables 
 in general use, it will naturally be inquired what 
 others it is proposed to substitute. To this it may 
 be answered, that the best substitution would be a 
 table actually constructed from the deaths occurring 
 amongst a large body of persons of this very class 
 whose law of mortality we wish to ascertain. Mate- 
 rials for such a table exist, and probably in the best 
 and most authentic form. The Equitable Society has 
 been established sixty years, and it must possess 
 records of the death, and cause of death, of all those 
 who have had claims on its funds. Another society 
 of considerable extent, the Amicable, has existed 
 above a century, a vast quantity of valuable mate- 
 rials is, without doubt, contained in the records of 
 these two societies, and if they were each to com- 
 municate to the public the facts of which they 
 
INTRODUCTION. 
 
 are in possession, it would form a most important 
 addition to our knowledge, and supply the most 
 accurate materials for tables of this class which have 
 yet been produced/^ 
 
 By the liberality of several of the Life Offices, and 
 the disinterested zeal and services of a Committee of 
 some of the most experienced and eminent of the 
 Actuaries, we have now^ data for the construction of 
 a rate of mortality, not simply of the experience of the 
 Equitable and Amicable, but of the combined expe- 
 rience of no less than 17^ Life Offices, embracing 
 83,905 policies, and a rate of mortality has been 
 adjusted by one of the most eminent Mathematicians 
 on the Committee, from the combined town and 
 country experience, embracing 62,537 assurances. 
 
 It is a very common practice with some of the 
 offices to announce their premiums as having been 
 computed by an able Mathematician from the 
 most recent and most extensive experience, without 
 usually stating what such experience is, or giving the 
 name of the able Mathematician, who is thus alleged 
 to have constructed their tables. As, however, we 
 have now very recent and extensive experience of the 
 
 * It may not be amiss here to observe that 13, out of the 17, contribu- 
 ting offices are proprietary companies, who would thus appear to be 
 animated by motives equally as disinterested as those of the " Equitable" 
 and " Amicable," who, as Mr. Babbage observes, " have no private 
 interests to oppose their publishing for the advancement of science, the 
 results of that experience which it alone, by securing their stability, has 
 enabled them to acquire, thus supplying the solid materials of further 
 improvements, which must inevitably reflect back the greatest advan- 
 ages on those most largely engaged in such transactions." 
 
INTRODUCTION. 
 
 XI 
 
 mortality amongst assured lives^ such as ought to 
 form the basis upon which all rates shall in 
 future be calculated, it may be useful to explain 
 the origin of the Committee, and the course adopted 
 by them in their collection and employment of the 
 data contributed by the several offices. 
 
 The Committee was formed at a Meeting of 
 Actuaries, and others connected with Life Assu- 
 rance Offices in London, held at the London Coffee- 
 House, Ludgate Hill, on Monday the 19th March, 
 1 838, at which it was resolved unanimously : 
 
 " That in the opinion of the meeting, it is desirable that the 
 different Assurance Offices, should from their records contribute 
 the requisite data to the common fund, to afford the means of deter- 
 mining the Law of Mortality which prevails among Assured Lives. 
 
 ^* That such a Law of Mortality, truly determined, would 
 prove generally useful, especially to the Life Offices themselves, 
 and the numerous class of persons availing themselves of those 
 Institutions. 
 
 *' That persons professionally engaged in similar investigations, 
 are most likely to draw correct conclusions from existing data, 
 and to classify the same into forms, showing the true rate of 
 mortality among Assured Lives." 
 
 The following particulars were obtained from the 
 offices that engaged to contribute their experience:— 
 
 For use 
 
 of 
 Office. 
 
 Current 
 Age at 
 Entry. 
 
 Year of 
 
 If by 
 
 Death, 
 
 D. 
 
 Sex, if 
 
 Female 
 
 F. 
 
 Distinc- 
 tion into 
 Town, T. 
 
 Cause 
 
 of 
 
 Special 
 risks and 
 Remarks. 
 
 Entry. 
 
 Exit. 
 
 CouutrvC. Death. 
 Irish i. 
 
 
 
 
 
 
 
 
 
 
 D 
 
Xll INTRODUCTION. 
 
 The following circular^ which was transmitted with 
 a supply of forms to each of the contributing offices, 
 will explain the particulars that were obtained from 
 them : — 
 
 1, King Willimn Street, City, 
 
 2-5tk September, 1838. 
 Sir, 
 
 ** The Committee of Actuaries desire me, in forwarding the 
 accompanying forms, which they have prepared for collecting 
 the data, on which to found the experience of Assured Lives 
 generally, to submit the following explanation of the nine 
 columns into which the forms are divided. 
 
 '^ Column 1. — Headed * For use of Office,' is intended for the 
 number of the policy, or any other distinguishing mark, by which 
 the person employed to make the extract from the Policy Register, 
 may note how far he has proceeded, and be enabled to resume 
 the operation without difficulty. 
 
 <* Column 2. — Headed 'Current Age at Entry' is intended 
 to contain the age next birth day of the party Assured, at the 
 time the Assurance was effected. 
 
 " Column 3. — Headed * Year of Entry' is for the Year in which 
 the Assurance was effected. The Committee require neither the 
 month, nor the day of the month. The same observation applies 
 to column 4, headed ' Year of Exit.' No distinguishing mark 
 is required to show whether a Policy has become extinct by 
 forfeiture, purchase, or expiration of term; but when extinguished 
 by death, a D must be inserted in the next column, No. 5. The 
 column marked ^ Exit' will be left blank, opposite all those 
 Policies which were in force on the 31st December, 1837, to 
 which date it is requested that the list be made up, if convenient. 
 
 " The next column is for distinguishing the sex, in which is to 
 be put an F opposite all Policies on the lives of Females ; the 
 blanks will indicate Males. Such Offices as have Agents are 
 requested to insert a T opposite those Policies effected in Town ; 
 
INTRODUCTION. Xlii 
 
 a C opposite to those Policies effected in the Country, and an I 
 opposite those effected in Ireland, in the column marked * Dis- 
 tinction into Town, Country, and Irish.' 
 
 '^ The cause of death is to be inserted in the next column, in 
 a line with those Policies extinguished by death. 
 
 " The last column is intended for a notice of special or foreign 
 risks, and for the insertion of any observation that may be 
 considei'ed useful. 
 
 ** The question of founding the experience from returns of 
 Policies issued, or on Lives Assured, was fully discussed by the 
 Committee, — to confine the returns to a list of the Lives Assured 
 in each Office might at first appear desirable, as a means of 
 avoiding the insertion of the same Life more than once, in cases 
 where more than one Policy has been granted thereon ; but 
 when it was considered that in combinino; the returns of several 
 Offices, it would be impossible to prevent the repetition of the 
 same life, as many are assured in several Offices, and that, in 
 combining large numbers where Lives represented by duplicate 
 Policies, are subject to the same ratio of mortality as those 
 represented by single Policies, the result cannot be sensibly 
 affected by the duplication, it was determined by the Committee 
 to confine the lists to a record of Policies issued on single Lives." 
 
 I have &c. 
 
 Robert Christie, Hon. Sec. 
 
 From the returns received from the several offices 
 in the prescribed form^ and which were blended 
 together as they came in, ^^ so as to prevent any use 
 being made of the returns separately,"' various 
 tables have been prepared, and great care appears 
 to have been exercised in the classification of the 
 data, upon which the results in the tables have been 
 obtained. 
 
XIV INTRODUCTION. 
 
 The following is a list of the several tables,^ pre- 
 pared by the committee. 
 
 Table A (3-6) — Shewing out of the number of Assurances 
 effected in each current year of age, the respective numbers in 
 each year of duration, cancelled by discontinuance and by death? 
 and existing at the termination of the observations. (Separate 
 tables for Male and Female lives, Town, Country, and Irish 
 respectively.) 
 
 Table B (1-6) — Being an enumeration of entries, existences, 
 discontinuances, and deaths, in each year of age, deduced from 
 the foregoing tables, A (1-6) (separate tables for Town, Country, 
 and Irish Male and Female lives respectively.) 
 
 Table C. — Shewing the number exposed to the risk of mor- 
 tality, the actual number of deaths for Assurances on the lives 
 of Males and Females, separately and collectively, and for Town, 
 Country, and Irish Assurances separately, deduced from Tables 
 B and the computed number of deaths, according to the Nor- 
 thampton, Carlisle, and Mr. Davies's Equitable Tables of 
 mortality, in decennial periods of age, calculated to the nearest 
 whole number. 
 
 Table D. (1-5) — Shewing the number exposed to the risk of 
 mortality, and the deaths in each year, with the probability of 
 surviving one year, and the expectation or average duration of 
 life; deduced from Tables B (1-6) (for Town, Country, and 
 Irish Male and Female Lives separately, and for Town, Country, 
 and Irish experience separately.) 
 
 Table E. — Shewing four times the number exposed to the 
 risk of mortality, and four times the number of deaths in each 
 year, with the probability of surviving one year, and the ex- 
 pectation or average duration of life, deduced from Tables B (1) 
 B (4) and other Town experience, which together comprise 
 48,702 Assurances. 
 
 Table F. — Shewing four times the number exposed to the risk 
 
 * These Tables are not published, and are only in the possession of the several 
 Life Offices who subscribed for copies. 
 
IlNTRODUCTION. XV 
 
 of mortality, and four times the number of deaths in each year 
 with the probability of surviving one year, and the expectation 
 or average duration of life; deduced from the total experience, 
 which comprises 83,905 Assurances. 
 
 Table G.^ — Adjusted law of mortality, according to the com- 
 bined Town and Country experience, deduced from Tables D, 
 (4) and E, which comprise 62,537 assurances. 
 
 Equitable experience for separate classes. 
 
 Table H (1) — Shewing results on 7,259 lives admitted between 
 the ages of 25 and 35 years. 
 
 Table H (2) — Shewing results on 6,270 lives admitted between 
 the ages of 35 and 45 years. 
 
 Table H (3) — Shewing results on 3,436 lives admitted between 
 the ages of 45 and 55 years. 
 
 Table H (4)— Shewing results on 1,317 lives admitted between 
 the ages of 55 and Q6 years. 
 
 Table I (l)t — Shewing the expectation or average duration of 
 life ; deduced from eight original Tables, and compared with the 
 Northampton and Carlisle Tables. 
 
 Table I (2) — Shewing the expectation or average duration of 
 life, for persons admitted at particular ages in the Equitable 
 Society, and compared with Mr. Morgan's and Mr Davies's 
 Tables of that Society's total experience. 
 
 Table K. — Shewing the mortality per cent, in each year of 
 age; deduced from twelve original Tables. 
 
 Table L, — Shewing the annual number of deaths in quin- 
 quennial periods of age, out of 10,000 persons living at each age 
 according to various Tables of mortality. 
 
 It appears to have been originally the intention 
 of the Committee ''to put the various offices, and those 
 who might be interested in carrying out such inves- 
 tigations^ in possession of what appeared to be the 
 most useful and valuable classifications of the bare 
 
 * See Tables 5, 6, and 7. t See Table 8. 
 
XVI INTRODUCTION. 
 
 facts comprised in the different returns^ without the 
 introduction of any arbitrary or theoretical adjust- 
 ments. However^ as some persons might be desirous 
 to see an adjusted table of mortality, one has been 
 deduced from the combined Town united with the 
 Country Assurances^, which comprise the whole of the 
 male and female lives that admit of being separated 
 from the Irish/^ 
 
 It would have been interesting to have had a 
 classification of the causes of death amongst assured 
 lives^ but it appears that '' the returns of the causes 
 of death were deficient in so many of the lists that 
 it was not considered desirable to make any classi- 
 fication of them. ^' 
 
 The Author has examined the whole of the Tables 
 with great care and with much interest^ but prefers set- 
 ting forth the peculiar features exhibited by them in 
 the language of the Committee in whose praise too 
 much cannot be said for the valuable time and 
 trouble which they have gratuitously given to this 
 important and interesting subject. 
 
 The Committee state that the most striking 
 features exhibited in these Tables^ are the great 
 mortality that prevails among Irish lives, and the 
 marked difference in the rate of mortality between 
 males and females. The near agreement with each 
 other of the Tables for " Town '' and " Country " 
 Assurances is also very remarkable, considering 
 that no adjustment has been employed. 
 
 On comparing the results given in tables C and 
 
INTRODUCTION. XVU 
 
 L, the mortality annually, taking all ages together, 
 is shown to be least amongst '' Town " Assurances, 
 rather more amongst ^^ Country/' and greatest 
 amongst ^' Irish'" Assurances. The mortality amongst 
 assured females, taking all ages together, is also 
 greater than amongst assured males ; and both 
 these classes exhibit a greater rate of mortality 
 than either " Town " or '' Country '' Assurances, 
 which arises from the Irish Assurances being in- 
 cluded amongst the males and females. 
 
 The mortality represented in table C, is con- 
 siderably greater for females than males, between 
 the ages of 20 and 50, from 50 to 70 years of age it 
 is less, and after the latter age it is at some periods 
 rather greater, but the numbers are too small to be 
 of any import at these advanced periods of life. 
 The ^^ Irish " Assurances are subject to rather less 
 mortality under 60 years of age than is represented 
 by the Northampton Table ; but after that age the 
 mortality amongst them is greater : and taking all 
 ages together, the deaths are more than 95 per cent, 
 of what might be expected by that table. 
 
 On making a comparison of the different classes 
 according to the expectations of life, as shewn in 
 Table I, it will be seen that the average duration of 
 male lives, under 36 years of age, is greater than 
 that of females, and from 36 to 61 years of age, the 
 average duration of the lives of females is greater 
 than that of males, but after the age of 61, the ex- 
 pectation is greater for males than females, which 
 
Xviii INTRODUCTION. 
 
 may arise from the paucity of numbers at the ad- 
 vanced periods of life. The expectation of life for 
 the class designated '' Town '' (deduced from the 
 facts contained in Table A), will be found to agree 
 very nearly with Mr. Morgan's Equitable Table E^ 
 being a little more^ but scarcely differing one with 
 another a quarter of a year from 22 to 63 years^ after 
 the latter age the expectation of life is sometimes a 
 little more and sometimes less than by Mr. Morgan's 
 Table, but on the whole exhibiting a close agreement. 
 The '' Irish '' class gives a considerably less expecta- 
 tion of life than Mr. Morgan's Table at all ages ; and 
 after the age of 44, the expectation is even less than 
 by the Northampton Table. The class designated 
 '' Combined Town" in which the " Equitable " and 
 ^^ Amicable" total experiences are combined with 
 the other " Town " Assurances, will be found to give 
 the expectation of life rather less than the latter, 
 arising doubtlessly from the assurances in the two 
 offices just named being of longer duration than 
 those in most of the other offices. The expectation 
 of life, deduced from the whole of the materials put 
 together, it will be seen differs very little from the 
 '' Combined Town," The four classes " Town," 
 " Country," '' Combined Town," and " General," 
 will be found to agree very closely with the ex- 
 pectations of life deduced from Mr. Milne's Carlisle 
 Table of Mortality, although generally giving a 
 lower expectation than that Table." 
 
 In reference to the materials from which the 
 
INTRODUCTION. xix 
 
 whole of the Tables have been formed^ the Com- 
 mittee state that they represent a lower rate of 
 mortality than can be expected to prevail in a longer 
 period of time than that over which the present 
 observations extend ; for the average duration of 
 Policies embraced in nearly] one-half of the ex- 
 perience is under 5^ years ; and taking the whole 
 of the experience together, which includes that of 
 the '^ Equitable " and " Amicable, '' the two 
 oldest offices existing, the average duration of all 
 the Policies is not 8|- years. This is readily ac- 
 counted for when it is seen that more than half the 
 Policies effected were .existing at the termination 
 of the observations, and nearly a 'third had been 
 discontinued during the life time of the parties 
 assured. The circumstance of recent selection 
 should not be lost sight of by such persons as may 
 use these Tables either for the sake of comparison 
 or as the basis of other tables for granting as- 
 surances. The difference in the rate of mortality 
 between recently selected lives and those of longer 
 continuance in the society is clearly shewn by Mr. 
 Galloway in the tables of mortality deduced by him 
 from the experience of the '^^ Amicable Society,'^ 
 and which that society, like the " Equitable,^' has 
 recently so disinterestedly printed for the use of 
 its members. ^^ 
 
 It has been thought right to enter thus fully into 
 the origin of the publication of the Tables, prepared 
 under the superintendence of the Committee o^ 
 
 E 
 
XX INTRODUCTION. 
 
 Actuaries, and to set forth their opinion of the 
 results obtained by them, as it is of the utmost 
 importance that the public should be made acquainted 
 with the fact that such a committee has been formed, 
 and have availed themselves of the most extensive 
 and special experience that could be obtained to 
 determine the lawof mortality which prevails amongst 
 assured lives, and have thus enabled every existing 
 office to test the adequacy of its rate of premiums, 
 and future offices to provide a rate for themselves on 
 a secure basis. 
 
 A rate of mortality having been determined, the 
 next important point for consideration is the rate of 
 interest which must be assumed, as that which the 
 funds invested by a Life Office will realize. Those 
 offices which have started at considerably ^^ lower 
 premiums than any other office,^^ justify the reduc- 
 tion in their rates on the ground of the mortality not 
 being so great as that represented by the tables of 
 mortality used generally by the offices, and also 
 that they can realize a larger per centage on the 
 monies invested, than that on which the rates are 
 generally based. The mortality deduced from the 
 combined experience of the various Life Offices will 
 set all speculations at rest as to the rate of mortality 
 which may be expected to prevail amongst assured 
 lives. With respect to ^^ Interest, "" it will be 
 admitted, at least, that it is liable to great fluctua- 
 tion, and that money has been for a series of years 
 gradually lessening in value. Mr. De Morgan 
 
INTRODUCTION. Xxi 
 
 observes, in reference to this point, advanced by the 
 advocates for low premiums. '^The rate of interest 
 has been halved within the memory of man, and a 
 heavy war might double it again. That same war 
 with all its casualties, direct and indirect included, 
 would not alter the mortality of the country by any 
 serious amount. I consider it then as next to certain, 
 that the insurance offices have more to look for, 
 whether as matter of hope or fear, from the fluc- 
 tuations of the rate of interest, than from those of 
 mortality/' # # # ^ # # 
 
 '^ We are already in a very different position as 
 to the rate of interest which has been gradually fall- 
 ing since the war. # # # Assuming the neces- 
 sity of calculating upon a rate of interest something 
 less than that which can actually be attained, I 
 should think that no office would be justified in sup- 
 posing more than 3 per cent., ivilh tables ivhich are 
 sirfficiently high to come any ways near to the actual 
 experience of mortality. With regard to one point, 
 and that of fundamental importance, namely, the 
 possibility of a still further fall in the rate of interest, 
 it may even be doubted whether, ivith such tables, 
 a still lower rate of interest should not be allowed."' 
 
 But it is urged by the cheap offices, '' Oh, 
 but we have a large protecting capital,'" which 
 protecting capital, as Mr. De Morgan justly re- 
 marks, would, '*^if the premiums were really too 
 low, be an injury and not a benefit, for since this 
 capital is really paid for in whole or in part out of 
 
XXll INTRODUCTION. 
 
 premiums^ it would not preserve the office from 
 insolvency, but would rather accelerate its progress 
 towards bankruptcy/' 
 
 It is needless to observe that proprietors of 
 Life Offices do not embark their capital to make 
 up an anticipated deficiency, but like other in- 
 vestments, their capital is sunk with the view of 
 legitimate profit, and as a sqfeguai'd against any 
 unexpected or sudden increase in the mortality, and in 
 the fluctuation of interest. If they act prudently for 
 their own interest, as well as for the safety of the 
 assured, they will take care to charge such a rate of 
 premium as will, in the opinion of an experienced 
 and qualified Actuary, meet every probable risk, and 
 cover the expenses of management, and will, in 
 addition to the interest to be obtained by ordinary 
 investment, also yield them a fair equivalent for the 
 money which they have risked for the protection of 
 the assured. 
 
 The Author is not contending for high or excessive 
 rates ; all that is desired is, that the rates should be 
 sufficient and fully adequate to meet the risks and 
 expenses incurred. On this point Mr Griffith Davies 
 makes the following excellent observations. '' The 
 evil of charging excessive premiums cannot, however, 
 long remain in a country where capital is allowed to 
 flow freely from one channel to another, as the na- 
 tural effects of competition must necessarily reduce 
 the profits on Life Assurance to the level of that de- 
 rived from other species of investments ; on the 
 
INTRODUCTION. XXlll 
 
 contrary, the peculiar nature of the subject renders 
 it extremely dangerous lest the rates for Life Assur- 
 ance should be so far reduced as to diminish the 
 security of those who may select this mode of ac- 
 cumulating their savings for the benefit of their 
 families ; for if the premiums charged by societies 
 established for these purposes should, by excessive 
 competition, be rendered inadequate to the pay- 
 ments of the claims which, sooner or later, must 
 come upon them, whatever honour, wealth, or pro- 
 bity, the present managers of them may possess — 
 whatever capitals they may boast of— or however 
 prosperous they may appear to go on, even for a 
 considerable time, the result must ultimately termi- 
 nate in litigation, disappointment and ruin, and in- 
 stead of a national benefit. Life Assurance in such 
 a case would inevitably become a national calamity.'" 
 The Equitable Life Office, whose great success is 
 generally appealed to in justification of reduced pre- 
 miums, it must be remembered not only enjoyed a 
 monopoly, but, as has already been stated, the rate 
 of premiums originally charged was enormously 
 high, and, in addition to this, they were enabled to 
 invest their funds in the purchase of government 
 stock at very low prices, for, as observed by the late 
 Mr. Morgan, ^^ during the long series of years 
 in w^hich this society has existed, the nation, for a 
 considerable part of the time, has been engaged 
 in foreign wars. These, by depressing public credit, 
 have afforded the opportunity of investing money in 
 
XXIV INTRODUCTION. 
 
 the funds to great advantage^ and have thus contri- 
 buted in no inconsiderable degree to create the 
 surplus of the society. From the year 1777 to 1786, 
 the average price of stock in the 3 per cents, was 
 about 60 per cent., and from the year 1796 to 1816, 
 the average price of the same stock was below 60 
 per cent., or 24 per cent, lower than its present price. 
 But no reliance ought to be placed on advantages 
 of this kind. Another war may reduce the value of 
 stock in the funds to half its present value, or still 
 lower, if some of our modern statesmen should 
 succeed in breaking the public faith by destroying 
 the sinking fund. It would be madness, therefore, 
 to found any measure on a property so fluctuating. 
 The addition to the surplus arising from the im- 
 proved state of public credit is an accidental cir- 
 cumstance, affording no proof of the excellence, any 
 more than a deficiency in the capital arising from its 
 depreciated state would have afforded proof of any 
 defects in the construction of the society, and is 
 mentioned merely as one of the causes which have 
 produced its present opulence/^ 
 
 And in 1828, when the pamphlet from which 
 the above observations have been quoted was 
 written, and when the price of consols varied from 
 82^ to 88|, he proceeds to observe — ^^That all 
 the causes hitherto noticed as having conduced 
 to promote the welfare of the society, no longer 
 exist to enrich it. The premiums have been re- 
 duced in some instances nearly one-half. The 
 
INTRODUCTION. XXV 
 
 policies are seldom or ever forfeited ; and the pur- 
 chases made in the public funds at their present 
 price are more likely to be disadvantageous than 
 beneficial to the society/^ 
 
 From 1829 to the present year the average price 
 of consols has been about 90, and the price at present 
 is 96^^ so that it will appear that at the present time 
 circumstances are peculiarly unfavourable, so far as 
 the interest of money is concerned, for the success of 
 any new undertaking which does not take the precau- 
 tion of adding a considerable per centage to the net 
 premiums to cover any extraordinary mortality, 
 the expenses of management, and the fluctuation in 
 interest. 
 
 By reference to Table 8, it will appear that 
 the expectation of an Irish life at 20, is 34.95; 
 at 30, 29.71; at 40, 23.36; at 50, 17.76; so that, 
 as compared with the combined English experience, 
 an office may calculate upon receiving upon an 
 Irish life of 20, only thirty-five premiums, instead 
 of forty-one; at 30, only thirty instead of thirty- 
 five ; at 40 only twenty-four premiums instead of 
 twenty-eight ; and at 50 only eighteen premiums 
 instead of twenty-one. Notwithstanding this fact, 
 in addition to the risk already incurred of charging 
 too low a rate of premium even for the English 
 lives; if report speaks true, some of the cheap 
 offices do a very extensive Irish business, so that an 
 extensive business, and the announcements which 
 
 * December 21, 1843. 
 
XXvi INTRODUCTION. 
 
 are frequently seen among the advertisements of the 
 day, to the effect that in addition to a large sub- 
 scribed capital, the policy holders have the additional 
 security of £ per annum for premiums, are not 
 always to be taken as indicative of extensive security; 
 for where much Irish business is transacted the ad- 
 vertisement, strictly speaking, should run — ^^in addi- 
 tion to a large subscribed capital the policy holders 
 have the additional security of £ per annum 
 annual income for premiums, £ of which are 
 
 from Irish Assurances, from which the society has 
 reason to expect they will receive several premiums 
 less than they ought, and than which they expect to 
 receive on an English Assurance" 
 
 The offices generally are getting very cautious of 
 Irish lives, and the circumstance is only mentioned 
 here to point out an additional risk that the cheap 
 offices incur. 
 
 These remarks have been extended to a much 
 greater length than was intended, and the Author 
 would, in conclusion, merely express a hope that 
 the example of liberality set by the various private 
 companies in contributing their experience, and of 
 disinterested zeal displayed by the Actuaries who 
 superintended the compilation of the materials, and 
 deduced therefrom a rate of mortality amongst 
 assured lives, will be followed by the government, 
 and by their Actuary Mr. Finlaison, in supplying 
 the materials which, it is presumed, they possess in 
 abundance in several of the government depart- 
 
INTRODUCTION. XXvii 
 
 ments relative to sickness and mortality, which 
 might be worked out by Mr. Finlaison, or under his 
 superintendence. In the mean time, it would not, 
 perhaps, be considered too liberal on the part of the 
 government, if they were to print, for the benefit 
 of the public, the various tables on Life Contin- 
 gencies, which their actuary has made from govern- 
 ment records, and at the national expence, and, 
 in reference to which, the following petition was 
 printed, and signed by upwards of 40 gentlemen 
 connected with Life Assurance Offices in the year 
 1837, but which was never presented, probably in 
 the expectation that the agitation of the matter 
 would be sufficient to induce their publication. 
 
 TO THE HONOURABLE THE COMMONS OF THE 
 UNITED KINGDOM OF GREAT BRITAIN 
 AND IRELAND, IN PARLIAMENT ASSEM- 
 BLED. 
 
 The humble Petition of the undersigned Actuaries of Life 
 Assurance Offices, in London, and of others connected 
 therewith. 
 
 Sheweth, 
 
 That a very large portion of the property of this country 
 is held upon tenures depending upon the duration of human 
 life, and that the business of Life Assurance has of late ex- 
 tended so as to affect the interests and future happiness of 
 large numbers of all classes in the community. 
 
XXVm INTRODUCTION, 
 
 That one of the principal elements in all calculations of 
 the value of property depending on human life, and of the 
 value of the risks of Life Assurances, is the average duration 
 of human existence, as determined by observations : and the 
 means by which such calculations are made or facilitated, 
 are tables of the value of Life Annuities, deduced therefrom. 
 
 That as the accuracy of Annuity, and other tables, founded 
 on the rate of mortality, depends upon the extent of the 
 observations from which they are derived, every addition to 
 them is of national importance. 
 
 That to adjust equitably the value of church property, and 
 other life interests,— 'to measure truly Life Assurance risks, 
 and to afford the means of satisfying the public of the just 
 application of correct principles in such valuations, it is 
 highly necessary that every authentic information bearing 
 upon the subject, should be made generally accessible. 
 
 That very extensive tables, have been calculated at the 
 national expense, from data, furnished by Government 
 Records, which were printed by order of your Honourable 
 House, in 1829 : and that on these tables the Government 
 now grant Annuities on lives, and it has recently been pro- 
 posed in your Honourable House, that the value of church 
 property, should be estimated by the same standard. 
 
 That of these tables a very limited portion only has hitherto 
 been made available to the public. 
 
 Your Petitioners, therefore, humbly pray that your 
 Honourable House will be pleased to order the pub- 
 lication of all tables founded upon the same data as 
 those upon which the Government now grant 
 Annuities on Lives. These tables will comprehend 
 Annuities on Single Lives for males and females 
 
INTRODUCTION. xxix 
 
 separately, and on every combination of two or 
 more joint lives, at every rate of interest at wh ich 
 they have been respectively computed. 
 London, June^ 1837. 
 
 Joshua Milne, Sun Life Office 
 
 Arthur Alorgan, Equitable Assurance Office 
 
 George Kirkpatrick, Law Life Assurance Office 
 
 Charles Ansell, Atlas Assurance Office 
 
 Griffith Davies, Guardian Office 
 
 J. D. Bayley, Royal Exchange Assurance Office 
 
 Benjamin Gompertz, Alliance Office 
 
 W. S. Lewis, Rock Life Assurance Office 
 
 James J. Downes, Economic Office 
 
 Samuel Ingall, Imperial Life Office 
 
 Robert Christie, Universal Life Office 
 Thomas Lewis, Union Assurance Office 
 
 J. M. Rainbow, Crown Assurance Office 
 
 Thomas Galloway, Begistrar, Amicable Society 
 
 E. Charlton, Albion Insurance Office 
 
 "W. Bury, Hope Assurance Office 
 
 H. P. Smith, Eagle Assurance Office 
 
 M. Saward, Promoter Life Office 
 
 Robert John Bunyon, ]S"orwich Union Life Assurance Office 
 
 M. Tate, Pelican Insurance Office 
 
 Edward Hulley, Globe Office 
 
 Henry Marshall, Metropolitan Office 
 
 J. Tullock, Minerva Life Assurance Office 
 
 Charles Jellicoe, Protector Life Office 
 
 John Robertson, Argus Life Office 
 
 Ebenezer Femie, British Commercial Life Office 
 
 J. M. Terry, Hand-in-Hand Life Office 
 
 John Laurence, London Assurance 
 
 G. H. Heppel, Standard of England Office 
 
 J. T. Clement, Licensed Victualler's and General Fire and Life 
 
 Assurance Office. 
 Joseph Marsh, Xational Provident Institution 
 C. B. Smith, National Life Assurance Society 
 Edwin James Farren, Asylum Life Office 
 B. A. M. Boyd, Resident Director^ North British Company 
 
XXX INTRODUCTION. 
 
 J. C. C. Boyd, Secretary J United Kingdom Life Assurance 
 
 J. T. Barber Beaumont, Managing Director, Provident Life 
 
 Office 
 Charles M. Willich, Secretary §• Actuary, University Life 
 
 Society 
 F. G. Smith, for Scottish Union Assurance Company 
 Charles Lewis, West of England Insurance Office 
 David Foggo, Secretary, European Life Insurance Office 
 T. R. Edmonds, Actuary of Legal and General Life Assurance 
 
 Society 
 T. Pinckard, of the Clerical, Medical and General Office 
 
 As the above petition lias never been presented^ it 
 has been thought desirable to print it in this Intro- 
 duction, as it is important that the public should 
 know that there are some valuable and very exten- 
 sive tables in the hands of the government calculator, 
 which "have been computed at the national ex- 
 pence/' and which it is submitted ought to be printed 
 for the public information. 
 
 .bvi%>- 
 
<v 
 
 ur:rv>:RsiTY * 
 
 or 
 
 PRACTICAL EXAMPLES 
 
 ILLUSTRATIVE OF 
 
 THE CONSTRUCTION AND APPLICATION 
 
 OF 
 
 THE TABLES. 
 
 COMPOUND INTEREST, 
 
 TABLE I. 
 
 Interest is a remuneration allowed by a party bor- 
 rowing money to the party lending it^ and is payable at 
 periods agreed upon at a certain annual rate for every 
 £ 1 00. Where it is so paid^ the Interest is called 
 '' Simple Interest," but where it is not so paid and 
 is added to the sum lent whereby the sum due from 
 the borrower is increased by that amount upon which 
 (instead of upon the original sum) he will have to 
 pay interest— such interest is called ^^ Compound 
 Interest." 
 
 EXAMPLE 1. 
 
 What will £450 amount to in 12 years at 4 per 
 cent. Compound Interest ? 
 
 If £100 were lent for one year at 4 per cent, its 
 
 B 
 
amount at the end of the year would be £100 + 4 = 
 £104, and this divided by 100 would give the 
 amount of £l at the same rate at the end of the year, 
 or £1.04 from which we may easily determine the 
 amount of any other sum in one or more years ; for 
 if 1 : 1.04:: 1.04: (1.04 x 1.04) = 1.04^ =1.0816 the 
 amount of £l at 4 per cent, at the end of two years, 
 and in like manner; if I : 1.04:: 1.04' : (1.04x 1.04") 
 = 1 .04^ = 1.1 24864 — the amount of £ 1 at 4 per cent, in 
 three years; and so on for any number of years; the 
 amount of £l obtained for any given number of years 
 at the given rate of interest multiplied by the amount 
 of £l at the same rate for one year will give the amount 
 for the succeeding year, and in this manner Table I. 
 has been constructed, on reference to which, under 
 the head of 4 per cent., against 12 years, we find 
 £1,601032 which multiplied by 450 will give 
 £720.4644^ = £720 9s. 3Jd., the amount of £450 in 
 12 years, at 4 per cent, as required; and so with 
 any other amount at the same or any other rate per 
 cent. The Rule being — Find the amount of £l in 
 the Table under the given rate per cent, against the 
 given number of years, and multiply it by the sum of 
 which the amount at the same rate and for the same 
 period is required. 
 
 If the interest is payable half yearly the rule is — 
 
 * To persons unacquainted with Decimals, it would be useless to 
 give a rule for the conversion of shillings, pence, and farthings into 
 decimals, and vice versa, such persons, therefore, are referred to works 
 on Arithmetic. To those who are acquainted with Decimals it is 
 unnecessary to do so. 
 
Take one half of the annual interest and double the 
 number of years, and proceed as iV* the case where 
 interest is paid annually. For example^ if in the 
 above case the interest were payable half yearly, the 
 amount would be obtained thus — Under column 
 2 per cent., in Table 1, and against 24 years, we 
 find £1.608437 — the amount of £l at 2 per cent, 
 per annum in 24 years, or, which is the same thing, 
 the amount of £l at 2 per cent, per half year in 
 24 half years, which, multiplied by 450, gives 
 £723.79665 =£723 15s. lid.— Answer. And if 
 interest were payable quarterly the rule would be — 
 Take one fourth of the annual interest and multiply 
 the number of years by 4, and proceed as in the case 
 where interest is paid annually. If, in the above 
 example, the interest were paid quarterly, we should 
 refer to column headed 1 per cent., in Table 1, and 
 against 48 years, we should find £1.612227 the 
 amount of £l at 1 per cent, per annum in 48 
 years; or, which is the same thing, the amount 
 of £l at 1 per cent, per quarter, for 48 quarters 
 of a year, which, multiplied by 450, would giw^ 
 £725.50215 = £725 10s. 0|d.— Answer. 
 
 It evidently matters not whether the ^' rate" be 
 called the rate per annum, or per half year, or per 
 quarter, as the amount of any sum at a given rate of 
 interest manifestly depends upon the number of 
 conversions of interest into principal. 
 
 EXAMPLE 2. 
 
 The amount of £450 in 12 years at 4 per cent., 
 
Compound Interest, payable 
 
 annually, - - being £720 9s. 3^d. 
 
 n payable half yearly // £723 15s. lid. 
 
 // // quarterly // £725 lOs OW. 
 
 it is required to find the total amount of interest 
 realized. This will evidently be the difference be- 
 tween the sum lent and its amount at the end of 
 the time, and will be respectively, 
 £720 9s. 3|d.— £450 = £270 9s. 3|d., Amount of 
 
 interest realised upon £450 in 12 years, at 4 per cent, interest, payable yearly. 
 
 £723 i5s. 11 d.— £450 = £273 15s. lid., do. do. pay- 
 
 able half-yearly. 
 
 £725 10s. 0|d.— £450 = £275 10s. 0|d, do. do. pay- 
 
 able quarterly^ 
 
 DEFERRED SUMS CERTAIN. 
 
 TABLE II. 
 
 The present value of a sum of money to be received 
 at the end of any number of years, is that which, 
 laid out at a given rate per cent, will amount at 
 that rate, to the sum to be received at the expiration 
 of the given period. 
 
 EXAMPLE. 
 
 In exmaple J, of Compound Interest £720 9s. 3Jd. 
 = £720.4644 is stated to be the amount of £450 at 4 
 per cent, in 12 years. £450, therefore, ought to be 
 shewn by Table 2, to be the present value of 
 £720 9s. 3^d. to be received at the expiration of 12 
 years, supposing interest to be 4 per cent. 
 
 On referring to Table 2, under the head 4 per 
 
cent., and against 12 years, will be found £".624597, 
 the present value of £'1 to be received at the expi- 
 ration of 12 years, which multiplied by 720.4644 
 will give £450, the present value required. This 
 sum might have been obtained by dividing£720.4644 
 by 1.601032 the amount of £l in 12 vears. For 
 if 1.04 ; 1 :: 1 : r^j the present value of £l at 4 per 
 cent. Compound Interest to be received at the ex- 
 piration of one year; and similarly, — if 1.04 : 1 :: 
 i^ : i:^ — present value of £l at the same rate to be 
 received at the expiration of two years : and so on 
 for any number of years. In this manner Table 2 
 has been formed — ujiity being divided by the amount 
 against each age at the several rates per cent, in 
 Table 1 ; and it is manifest that when the present 
 value of £l for any number of years at a given rate 
 is found, that the Rule for finding the present value 
 of any other sum at any rate per cent, will be Mul- 
 tiply the present value of £\ at the given rate and the 
 given number of years by any other amount of which at 
 that rate and for that teryn the present value is re- 
 quired. 
 
 ANNUITIES CERTAIN— AMOUNTS. 
 
 TABLE III. 
 
 An Annuity Certain, is a sum of money pavable 
 at fixed periods without being subject to anv contin- 
 gency. 
 
6 
 
 EXAMPLE. 
 
 What will an Annuity of ^20 per annum amount 
 to in five years, at 6 per cent. Compound Interest ? 
 
 On reference to Table 3_, under 6 per cent, against 
 5 years will be found 5.637093, the amount of an 
 Annuity of .^'l at that rate and for that term, (or, as 
 it is usually called, the number of years purchase,) 
 which multiplied by 20 gives £'112,74 1 86 =.£^112 
 14s. lOd. — Answer. 
 
 The results contained in the Table were obtained 
 thus : — 
 The last payment of an Annuity of £l, at 6 
 
 per cent, and upon which no Interest is 
 
 received is £1.000000 
 
 The last payment but one, and upon which 
 
 one year's Interest accrued 1.060000 
 
 Their Sum — Amount of Annuity in 2 years 2.060000 
 The last payment but two, with 2 years' 
 
 interest 1.123600 
 
 Their Sum — Amount of Annuity in 3 years 3, 183600 
 The last payment but three, with 3 years' 
 
 Interest 1.191016 
 
 Their Sum — Amount of Annuity in 4years 4.374616 
 The last payment but four, with 4 years' 
 
 Interest 1.262477 
 
 Their Sum £5.637093 
 
 amount of Annuity of £l forborne 5 years (or the 
 number of years purchase) and agrees with the 
 
amount given above as taken from the Table ; and 
 by proceeding in this manner the Amount of an An- 
 nuity for any rate and for any period may be obtained. 
 The Rule for the construction of the Table being 
 To £l .00000, add the amount of £l at the expiration 
 of one year, at the ^iven rate of interest obtained from 
 Table 1, which will give the amount of an anjiuity at 
 that rate forborne two years, to this sum add the 
 amount of £l in two years, which will give the 
 amount of the aimuity for three years, and so on (as in 
 the above example) to the end of the period required. 
 The Table being formed, the rule for finding the 
 amount of any other sum annually will he,Obtainfrom 
 Table 3 the Amount of an Annuity of£\ at the^iven 
 rate per cent, and for the given tenn, ajid multiply it 
 by the annuity, whose amount, at the same rate and for 
 the same period is required. 
 
 If the annuity is payable half yearly, Take the 
 quantity from the Table under half of the rate per 
 cent, opposite twice the number of years, and multiply 
 it by one- half of the annuity. 
 
 If payable quarterly, Take the quantity opposite 
 one-fourth the rate per cent, and opposite four times 
 the number of years, and multiply it by one-fourth of 
 the annuity. 
 
 Or the amount of an Annuity might be found by 
 the following Rule : — 
 
 Obtain from Table 1 the amount of £ I at the given 
 rate of Literest and against the given nmnber of 
 years ; subtract unity from it and divide the remainder 
 by the Interest of £{ for one year at the same rate. 
 
8 
 
 which will give the mnourit of an Annuity of £\ at 
 that rate and for that term, and multiply the quotient 
 by the Annuity ivhose amount is required Table 3 
 might also have been formed in this manner though 
 not so readily. 
 
 The reason of this rule is manifest, for when unity 
 is deducted from the amount of ^£"1 at the given 
 rate and for the given term obtained from Table \, 
 the remainder must be the total amount of interest 
 realised, and this amount accrued by putting by the 
 interest due each year, upon which also interest was 
 obtained, therefore the diiference between the 
 amount of ^1, at any rate and for any term, and £\, 
 the sum originally laid out^ is equal to the amount 
 of an annuity of the interest of £l B,t the same rate 
 and for the same term. 
 
 The above example might therefore have been 
 obtained thus. From the amount of ^£"1 at 6 per cent, 
 in five years, which, by Table 1, is ^1.338226, take 
 £\, the original sum laid out, and the difierence 
 <£0.338226 is the total interest realised, or the amount 
 of an annuity of £.06 at 6 per cent, in five years ; 
 then, by the common rule of proportion : — If 
 ^.06 : £0 338226 ::£'l : .56371 -the quantity, given 
 above as obtained from Table 3, to the nearest 4th 
 place of decimals, which, multiplied by 20, gives 
 ^112.742=^112 14s.l0d. as before. 
 
 Table 3, has been constructed upon the suppo- 
 sition that the annuity is payable at the end of the 
 year ; if it were payable at the beginning of the year 
 each of the amounts in that Table ought to be in- 
 
9 
 
 creased by one year's interest ; the amount of the last 
 payment, therefore, reckoning interest at 6 per cent, 
 upon which one year's interest accrued 
 
 would be =£^1.060000 
 
 The last but one upon which two years 
 
 interest had been received 1.123600 
 
 Their sum f 2.183600 
 
 the amount of an annuity payable at the beginning 
 of the year, laid by for two years, which is equal to 
 the amount of an annuity payable at the end of the 
 year for three years less unity ; so that where the 
 annuity is payable at the hegirming of the year, the 
 rule is Subtract unity from the amount of an annuity 
 payable at the end oj the year — in Table 3 — at the 
 given rale of interest opposite one year more than the 
 time. 
 
 ANNUITIES CERTAIN— PRESENT VALUES. 
 
 TABLE IV. 
 
 1st. Immediate Annuities. — The present value 
 
 of an Annuity to be entered upon immediately and 
 
 to continue for a term of years, is that sum 
 
 which paid down now and invested at a given rate 
 
 of Interest will, at the expiration of the term, 
 
 c 
 
10 
 
 amount to the same sum as will the Annuity itself 
 invested in like manner. 
 
 EXAMPLE 1. 
 
 What is the present value of an Annuity of .^'SO 
 per annum to continue 4 years^ reckoning Interest 
 at 4 per cent.? 
 
 On referring to Table 4^ under the head of 4 per 
 cent, and opposite to 4 years will be found .^'S. 629895 
 the present value of an Annuity of £} at that rate 
 and for that term, which multiplied by 30, gives 
 £'108.89685=^108 18s.— Answer. 
 
 Proof. — By Table 1, under the head of 4 per cent, 
 and against 4 years we find ,£'1.169859^ the amount 
 of c^'l in 4 years at 4 per cent.^ which multiplied by 
 1 08.89685 =<£'127. 3938 =£127 7s. lOd., the sum 
 to which £108.89685 the present value of an An- 
 nuity of £30 at 4 per cent, will amount to in 4 
 years^ and 
 
 By Table 3, under 4 per cent, and against 4 years 
 will be found £4.246464, the amount of an Annuity 
 of £l in 4 years at 4 per cent.^ which multiplied by 
 30 =£127.3939 = £127 7s. lOd. the amount of an 
 Annuity of £30 at the same rate and for the same 
 term^ thus proving the accuracy of the present value 
 as determined from Table 4. 
 
 The total present value of an Annuity for a term 
 of years is manifestly equal to the sum of the present 
 values of each yearns payment^ and by the continued 
 addition of these at the several rates of Interest 
 Table 4 has been formed. For example — by Table 2. 
 
11 
 
 .£0.961538 is given as the present value of .^l to be 
 received at the expiration of 1 year at 4 
 per cent. Interest. 
 
 £0.924556 ditto ditto at the expiration of 2 years. 
 
 £1.886094 Sum of the above^ or present value of an 
 Annuity of £\ for 2 years. 
 
 £0.888996 present value of£l to be received at the 
 expiration of 3 years. 
 
 £2.775090 Sum of the above, or present value of an 
 Annuity of £l for 3 years. 
 
 £0.854804 present value of £l to be received at the 
 expiration of 4 years 
 
 £3^629894 Sum of the above^ or present value of an 
 Annuity of £l for 4 years^ &c. &c. 
 
 2nd. Perpetual Annuities. — The present value 
 of a Perpetual Annuity is that sum which paid now 
 and invested at a given rate of Interest will per- 
 petually produce the same amount as will the An- 
 nuity itself invested in like manner. 
 
 It is manifest that if £100 were sunk at 5 per 
 cent, that it would be the present value of a Perpe- 
 tual Annuity of £5^ and consequently that £20 would 
 be the present value of a Perpetual Annuity of £l^ 
 for— If £ 5 : 100 :: 1 : 20 or 
 
 If £.05 : £1 :: 1 : 1^= 20— and 
 in a similar manner the present value of a perpetuity 
 at any other rate of Interest might be found^ there- 
 
12 
 
 fore The present value of a perpetuity of £\ may he 
 found by dividing £l by the Interest of £\ at the 
 given rate for one year, and the quotient multiplied 
 hy any other perpetuity will give the present value of 
 such perpetuity, 
 
 EXAMPLE 2. 
 
 What is the present value of a Freehold Estate 
 producing £l50,per annum^ reckoning Interest at 
 4 per cent.? 
 
 At the end of Table 4^ under column headed 4 per 
 cent, will be found 25 =;^^ which multiplied by £150 
 = £3750. — Answer. 
 
 Now at 4 per cent. £3,750 sunk will yield .£150 
 per annum, therefore £3,750 invested at 4 per cent, 
 and never withdrawn, is equal to a Perpetual An- 
 nuity of £150 invested in like manner, it producing 
 annually exactly that sum. 
 
 3rd. Deferred Annuities. — The present value 
 of an Annuity not to be entered upon until the expi- 
 ration of a given period, is that sum which paid down 
 now and invested at a given rate of Interest will, at 
 the end of the period during which the Annuity is 
 deferred, amount to the sum which will then^ at the 
 same rate of Interest, purchase the Annuity in ques- 
 tion to be entered upon immediately, 
 
 EXAMPLE 3. 
 
 What is the present value of an Annuity of £30, 
 to be entered upon at the expiration of 4 years and 
 then to continue 10 years, reckoning Interest at 4 
 per cent.? 
 
13 
 
 By the exemplification of the construction of 
 Table 4, it has been shewn that the total value of an 
 annuity for any given term is equal to the total ot 
 the present values of each year's payment through- 
 out the term, consequently if the present value of 
 the firsts or any number of year's annuity, is deducted 
 from the present value of the annuity for the whole 
 term, the difference will be the present value of the 
 annuity for the remainder of the term. 
 
 In the present case 4 + 10 = 14 — the period during 
 which the annuity is deferred, added to the period it 
 is to be continued when entered upon, and on re- 
 ference to Table 4, under 4 per cent., and against 
 14 years, will be found 10.563123, the present value 
 of an annuity of ^1, to be entered upon immediately, 
 and to continue 14 years, and in the same column 
 opposite 4 years will be found £"3.629895, the present 
 value of an annuity of fl, to be entered upon imme- 
 diately, and to continue four years, therefore 
 ^10.563123— £3. 629895 =f6.933228,present value 
 of an annuity of £\, to be entered upon at the ex- 
 piration of four years, and then to continue ten years, 
 which, multiplied by30 = £207,99684 = £207 1 9s. 1 1 d. 
 the present value of an annuity of £"30 deferred for 
 the like period and to be continued for the same term. 
 
 Proof. — On reference to Table 1, under the head 
 of 4 per cent., and against four years, will be found 
 £"1.169859, the amount of £l in four years, at 4 per 
 cent. which,multiplied by 207. 99684 gives£243. 3268, 
 which will be found to be the present value of an 
 annuity of £30, to be entered upon immediately, and 
 
14 
 
 to continue ten years ; for, by Table 4, under 4 per 
 cent, and against ten years, we find £^. 1 10(396^ the 
 present value of an annuity of.^"!^ to be entered upon 
 immediately, and to continue ten years, which, multi- 
 plied by 30, will give ^243.3268, as before. 
 
 If the annuity were a Deferred Perpetuity, the 
 present value would be found in a similar manner ; 
 the general rule being, From the present value of the 
 annuity for the whole of the term, at the given rate 
 of interest, subtract the present value of the ajinuity 
 at the same rate for the term during ivhich it is to he 
 defeiTed. And, consequently, the value of a deferred 
 annuity subtracted from the value of the whole term 
 annuity, will leave the value of the temporary an- 
 nuity, i. e, of the annuity for the term deferred. 
 
 NEW RATE OF MORTALITY. 
 
 TABLE V. 
 
 The numbers in column 2, of Table 5, against each 
 age in column 1 are the numbers which have com- 
 pleted or survived those ages out of the 100,000 who 
 completed their 10th year of age, and from which, 
 by the simple rule of Proportion, the number who 
 might be expected to survive any given age or die 
 within the term, out of any other number, at any 
 age, &;C. may be ascertained. 
 
15 
 
 EXAMPLE 1. 
 
 Out of 3,500 persons living at the age of 20, how 
 many may be expected to survive the age of 40 ? 
 
 On reference to Table 5, it will be found that 
 there are at 20 years of age 93/268 persons living, 
 of whom 78.653 survive the age of 40; then 
 
 As 93.268 : 78,653:: 3500 : 2952 /zmr/j/, tlie num- 
 ber out of 3500 at the age of 20 who may be ex- 
 pected to survive the age of 40. 
 
 EXAMPLE 2, 
 
 It is required to determine the number of deaths 
 that may be expected out of 3500 persons alive at 
 the age of 20 during the next 20 years ? 
 
 By Table 5, it appears that the number living at 
 the age of 20 is 93,268 and the number livino- at the 
 age of 40 is 78,653, therefore 93.268 — 78.653 = 
 14.615 the number who died during the interval, 
 hence 93,268 : 14.615 :: 3500 : 549 the number who 
 may be expected to die in 20 years or before attain- 
 ing 40 years of age, out of 3500 alive at 20 years of 
 age. 
 
 PROBABILITIES OF LIFE. 
 
 TABLE VI. 
 EXAMPLE 1. 
 
 Required, the probability of a person aged 30, 
 dying within and surviving one year ? 
 
16 
 
 On reference to column 2^ in Table 6, and against 
 30 years of age, will be found .0084248, the proba- 
 bility of a person aged 30 dying in one year ; and 
 on reference to column 3, in the same Table and 
 against the same age, will be found .9915752, the 
 probability of a person aged 30 surviving one year ; 
 and the two added together will give unity or cer- 
 tainty, for it is manifestly certain that a person at 
 any age will either survive a given period or die 
 within it, from which it follows that if we know the 
 probability of a person at any age dying within any 
 given period, and subtract it from unity, the dif- 
 ference or remainder will be the contrary proba- 
 bility, or the probability of surviving the given 
 period ; and, on the other hand, if we subtract the 
 probability of surviving from unity , the remainder 
 will give the probability of not surviving, or of dying 
 within the given period. 
 
 The probabilities of dying within one year are 
 obtained by dividing the number of deaths against 
 each age by the number living at the same age, and 
 the quotient subtracted from unity gives the pro- 
 bability of surviving one year. Or, the probability 
 of surviving one year may be obtained by dividing 
 the number living one year older than the given 
 age by the number living at the given age, and the 
 quotient subtracted from unity gives the probability 
 of dying within one year. And in this manner Table 
 6 was constructed. 
 
17 
 
 EXAMPLE 2. 
 
 Required the probability of a person aged 16, sur- 
 viving the age of 20 ? 
 
 This will evidently be the number living at the age 
 of 20, divided by the number living at the age of 
 16, or by Table 5, |?|- = .97190 
 
 EXAMPLE 3. 
 
 Required the probability of a person aged 16, 
 dying in the 21st year of his age. 
 
 The number who die in the 21st year of age, 
 being the decrement set against age 20, according 
 to Table 6, is 680, and this divided by 95965, 
 the number living at 16, will evidently give the 
 probability of one of that number dying in the 21st 
 year of age, or J-^; this probability might have 
 been obtained by subtracting the probability of the 
 life surviving the 21st year of age, from the proba- 
 bility of its entering upon that age, or the probability 
 of its surviving the 20th year of age, thus : — 
 
 .Q3268 92588 680 ' . . . 
 
 — . — — — = as beiore, and 
 
 95965 95965 95965 ' 
 
 this will be manifest upon inspection, as the first 
 numerator is the number living at 20, and the 
 second, the number living at 21, and the difference 
 is the number of deaths which occur within the 21st 
 year, and the denominator the number living at 16, 
 is common to each of the three fractions. 
 
 From the above it will appear that, the rule for 
 
 D 
 
18 
 
 determining the probability of a life surviving any 
 age is. 
 
 Divide the number living at the advanced age by 
 the number living at the present age. 
 And of its failing in any year of age, 
 Divide the number of deaths tvhich occur in that 
 year"^ by the Jiumher living at the present age; or sub- 
 tract the probability of the life surviving the given 
 year from the probability of its entering upon that year. 
 
 EXAMPLE 4. 
 
 Suppose a Life Assurance Office to have 2000 
 policies in force, averaging £1000 each policy, viz., 
 200 at 25 years of age ; 300 at 30 ; 400 at 35 ; 500 
 at 40 ; 300 at 45 ; 200 at 50 ; 50 at 55 ; and 50 at 
 60 ; it is required to determine the number and the 
 amount of claims by deaths that may be expected to 
 be made within one year. 
 
 The probabilities of surviving and of dying in 
 Table 6, being the probabilities of one person at the 
 given ages dying within, or surviving one year, it is 
 manifest that the probabilities of any other number 
 dying within, or surviving that period, will be 
 obtained by multiplying such probabilities by the 
 number in question. Hence, 
 
 Probability of one Number Probable 
 
 Age. Person dying in of number of 
 
 one year. Persons. Deaths. 
 
 25 .0077700 x 200 = 1.55400 
 30 .0084248 x 300 = 2.52744 
 
 * The number of deaths which occur in any year is represented by the decre- 
 ment set opposite the next younger age. 
 
19 
 
 Age. 
 
 Probability of one 
 
 Person dying in 
 
 one year. 
 
 Number 
 of 
 
 Persons. 
 
 Probable 
 
 number of 
 
 Deaths. 
 
 35 
 
 .0092877 X 
 
 400 = 
 
 3.71508 
 
 40 
 
 .0103619 X 
 
 500 = 
 
 5.18095 
 
 45 
 
 .0122120 X 
 
 300 = 
 
 3.66360 
 
 50 
 
 .0159386 X 
 
 200 = 
 
 3:18772 
 
 55 
 
 .0216643 X 
 
 50 = 
 
 1.08321 
 
 60 
 
 .0303362 X 50 = 
 I number of Deaths that may 
 
 1.51681 
 
 Tota] 
 
 
 be 
 
 expected. 
 
 . 
 
 22.42881=22^ 
 
 nearly, which multiplied by £1000, the amount of 
 each policy, gives ^£^22,429, the whole amount of 
 claims that may be expected. This number, and the 
 amount being determined from the policies in force 
 at the beginning of the year, only indicates the 
 probable number and amount of claims that may be 
 expected to arise out of that number only, and 
 upon the supposition that all the policies continue in 
 force, except those which become claims. But as 
 an addition will be made during the year, by the 
 introduction of new business, and as some policies 
 may lapse, or be surrendered, they must be taken 
 into account before a comparison can be made of the 
 number of deaths that might be expected, with the 
 number that actually occurred. Of the new policies, 
 and those surrendered, it may be assumed that taking 
 one with another, they were each in force one half- 
 year, or, which is the same thing, that one-half of 
 them were in force the whole of the year. In 
 making tlie comparison at the end of the year, there- 
 
20 
 
 fore, one-half of tlie number of neiv policies at 
 each age, should be added to the number in force 
 at each age at the beginning of the year, and one-half 
 of those lapsed or surrendered at each age should 
 be deducted from the number in force at each age, 
 the numbers being thus corrected, the number of 
 deaths expected according to the Table may be 
 obtained as above. An office may, therefore, with 
 very little difficulty, ascertain whether the amount 
 of claims during the year is more or less than they 
 had reason to expect. 
 
 EXAMPLE 5. 
 
 Required the probability of two lives aged 16 and 
 21, both surviving 5 years ? 
 
 The probability of a life aged 16, surviving 5 years,, 
 by Table 5 is ^; and of a life aged 21, surviving 5 
 years, is ^^; and these two quantities multiplied to- 
 gether will give the probability in question. For 
 unity or certainty bears the same ratio to either of 
 the probabilities as the remaining probability does 
 to that required, viz., 
 
 ^g . 92588 .. 89137 . 92588 ^ 89137 
 * 95965 " 92588 * 95965 92588 
 
 = ^^^^^ = .92885 Answer. 
 95965 
 
 Then to find the probability of any two given 
 lives, both surviving a given period, the rule is simply, 
 
21 
 
 3Iulliphj the separate probabilities together, and 
 the product will be the probability/ required ; and the 
 same rule applies to the probability of any two lives, 
 both failing in, or within any given period, and in a 
 similar manner the probabilities of three or more 
 lives surviving, or failing within a given period, 
 may be obtained. 
 
 EXPECTATION OF LIFE. 
 
 TABLE VII. 
 
 By Expectation of Life is meant the average 
 number of years that a person, at any age, may yet 
 expect to live, taking one life with another. For 
 example, a person aged 30, (see Table 7, 30 years 
 of age,) according to the experience amongst 
 assured lives many expect to live 34J years nearly, 
 or, in other words, he may expect to attain the age 
 of 64|- years nearly. 
 
 The total-existence enjoyed in any one year by the 
 number of persons alive at any age at the expiration 
 of one year, will manifestly be as many years as there 
 are persons who survive the year, added to the 
 existence enjoyed by those who die within the year. 
 And of those who die within the year, it is probable 
 that as many die at equal intervals during the first 
 half year, as die at the same intervals during the 
 last half of the year, or, in other words, that of 
 
22 
 
 those who die in any one year, taking one life with 
 another, it may fairly be assumed that, upon an 
 average, they each enjoy one-half year's existence — 
 therefore, the total existence enjoyed at the expira- 
 tion of a year, by those alive at any given age at 
 the beginning of the year, is equal in years to the 
 number who survive the year, plus one-half of those 
 who died within the year. 
 
 EXAMPLE. 
 
 Required the number of years that a person aged 
 90, may expect to live. 
 
 On reference to Table 5, i( 
 that, of 13] 9 persons alive at 
 of 90. 
 
 appears 
 the age 
 
 Who enjoyed between 
 them in each year as 
 many years as there are 
 persons, or the under- 
 mentioned number of 
 years. 
 
 To which we 
 must add one- 
 half of the num- 
 ber who died in 
 each year or 
 
 Which 
 
 gives. 
 
 892 survived 1 
 
 year. 
 
 892 
 
 2134 
 
 I105i 
 
 570 „ 2 
 
 ^» 
 
 570 
 
 161 
 
 731 
 
 339 „ 3 
 
 >) 
 
 339 
 
 115i 
 
 454* 
 
 184 „ 4 
 
 ?y 
 
 184 
 
 774 
 
 2614 
 
 89 „ 5 
 
 }? 
 
 89 
 
 474 
 
 136* 
 
 37 „ 6 
 
 yy 
 
 37 
 
 26 
 
 63 
 
 13 „ 7 
 
 yy 
 
 13 
 
 12 
 
 25 
 
 4 „ 8 
 1 „ 9 
 „ 10 
 
 yy 
 yy 
 
 4 
 1 
 
 
 
 H 
 1 
 
 2 
 
 n 
 1 
 
 2 
 
 Sum = 
 
 ^-2788* 
 
 2129 + 659| 
 And this divided by 1319, gives 2.11, or % years 
 expectation of life to a person aged 90, and agrees 
 with the expectation as given in Table 7, opposite to 
 90 years of age. 
 
 The 659*, the sum of all the halves of the number 
 
23 
 
 of deaths in each year, is manifestly one-half of the 
 number who were alive at the age of 90 ; the expec- 
 tation might, therefore, have been obtained by 
 dividing the sum of all who survived that age 2129, 
 by the number alive at that age 1139, and adding to 
 the quotient ^ for 
 
 27S8i _ 2129 + 6591- _ 2129 ^ i 
 
 1319 1319 1319 
 
 + i = 2.11 
 
 so that a Table of the Expectations of Life may 
 easily be formed, by first obtaining the successive 
 sums of the numbers surviving each age. and then 
 dividing them by the number living at each age, and 
 adding ^ to the quotient, and in this manner Table 
 7 was constructed. 
 
 COMPARATIVE EXPECTATIONS OF LIFE. 
 
 TABLE VIII. 
 
 This Table speaks for itself, and sets forth the 
 Expectations of Life as deduced from various rates 
 of mortality, and also amongst the different descrip- 
 tions of assured lives, and will be found not only 
 very interesting, but very important, particularly 
 as from the Irish experience, it appears that, of that 
 class of assurances, at some of the younger ages, the 
 Expectation of Life is as much as 6 years less than 
 that obtained from the combined English town and 
 
24 
 
 country experience. — (See observations on the Irish 
 experience, in ^' Introduction/'') 
 
 LIFE ANNUITIES AND ASSURANCES. 
 TABLES IX. X. AND XI, 
 
 ANNUITIES. 
 
 Required the Value of an Annuity of £l per 
 annum, on a life aged 97, reckoning interest at 3 per 
 cent ? 
 
 If this were an annuity certain, its value 
 would be equal to the sum of the present values of 
 ^1, to be received at the expiration of 1 and 2 years, 
 but as the payment of the annuity is contingent upon 
 the existence of the life the value of each year's pay- 
 ment of the Life Annuity will be less than that of an 
 annuity certain^ in the ratio oi unity or certainty to 
 the probability of the life surviving each year. 
 
 By Table 2, under the head of 3 per cent., we 
 find. 
 
 .970874 = present value of £\y to be received at 
 the expiration of one year. 
 
 .942596 = ditto ditto, two years, 
 and, by Table 5 we find the number living at the ages 
 98 and 99 to be respectively 4 and 1, and these, 
 divided by 13, the number living at 97 will give -^ 
 and ^, the probability of a life aged 97 surviving 98 
 
25 
 
 and 99 years of age; the latter — the oldest age 
 which can be survived according to the Table. The 
 present value of the first year's payment^ therefore, 
 on a life aged 97, will be 
 
 As 1 : -i :: .970874 = i-^-^^^ 
 
 And of the second, 
 
 As 1 : 7^ :: .942596 = — 
 
 And the total value will be 
 
 ( 4 X 970874) + 1 x (.942596 ) __ 4.826092 
 
 13 "" 13 =^•^'^1 
 
 as given in Table 12, in column headed 3 per Cent., 
 opposite to 97 years of age. 
 
 Now the value of a fraction is not altered in any 
 degree by multiplying its numerator by any quantity 
 provided Y^e also multiply its denominator by the same 
 quantity. For example, if we multiply the numera- 
 tor and denominator of the fraction ^, by 2 and by 
 30, we get \, and ^-g, each of which is still equivalent 
 to ^, for if the fraction in question be of 
 60 shillings, ^ of it is 30s., and ^ of it being 
 15s., ^ths. is necessarily 30s., and, in like manner^ 
 ^th. of 60s. being Is., the |J ths. must be 30s. and 
 so with any other fraction. If, for example, we say, 
 the probability of a person living 1 year is |^, of 
 another ?, and of a third g^ths, their probabilities 
 are each equal to |^, this being premised, what follows 
 will appear clear. 
 
 The following are the quantities given above, from 
 
 D 
 
20. 
 
 which the value of an annuity, on a life aged 97, at 
 
 3 per cent, interest, was obtained . 
 
 (4 X .970874) + (1 x .942"596) _ 
 
 J3 -0.371 
 
 which, expressed in words, is the number living at 
 98 years of age, multiplied by the present value of 
 £l, to be received at the expiration of 1 year,^Zws 
 the number living at the age of 99, multiplied by the 
 present value of ^1, to be received at the expiration 
 of 2 years, divided by the number living at the age 
 of 97. 
 
 Now, if we multiply each of the quantities in the 
 
 numerator and denominator by .056858 the present 
 
 value of <£l, to be received at the expiration of 97 
 
 years, (the same as the age of the life,) we shall get 
 
 (4 X .055202) + (1 X .053594) 
 
 13 X .056858 
 
 i e. the number living at 98, multiplied by the pre- 
 sent value of ^1, to be received at the expiration of 
 98 years, plus the number living at 99, multiplied by 
 the present value of .f'l to be received at the expira- 
 tion of 99 years, divided by the number living at 
 97, multiplied by the present value of ^1, to be 
 received at the expiration of 97 years, which is 
 equal to 
 
 :^^ = .37. as before, 
 
 and in a similar manner, the value of an annuity 
 
 at any other age may be obtained. 
 
 ![_ But the D and N columns for the rates 2|^, 3, and 
 
•27 
 
 3 J per cent, in Tables 9, 10, and II, contain the 
 numerator and denominator that will obtain at each 
 age ; the quantities in column D being the number 
 living at each age, multiplied by the present 
 value of £l, to be received at the expiration 
 of as many years as the age, and the quantities in 
 column N, opposite to each age, are respectively 
 the sum of all the quantities in column D., at all the 
 ages older than the given age; therefore, 
 
 T/ie quantity in column N, opposite to any age, 
 divided by the quantity in column J), at the same age, 
 will give the value of an annuity at that age. 
 
 And in this manner the values of the annuities at 
 2^ 3, and 3h per cent, in Table 12 were obtained. 
 
 For example, at 2|- per cent. (See Table 9.) 
 
 Nat 98 = 00^676 ^ .^44 the value 
 D at 98 = 0.35573 
 
 of an annuity of £l per annum on a life aged 98, 
 and agrees with the value given in Table 12. 
 
 N at 97 = 0^44249 ^ 3^3 ^^^ ^^^^^ 
 D at97 = 1.18503 
 of an annuity of £\ per annum, on a life aged 97, 
 as also given in Table 12- 
 
 Column S in Tables 9, 10, and 11, is the sum of 
 the quantity at each age, and at all the ages older 
 than the given age in column N, and is useful in find- 
 ing the values of increasing and decreasing annuities. 
 
 ASSURANCES. 
 The diiference between the value of an Annuity 
 
28 
 
 and that of an Assurance is, that in the former, as has 
 already been shewn, each yearns payment depends 
 upon the probability of the life surviving each year 
 of age, whereas, in the latter, the value depends 
 upon the probability of the Mi^ failing in each year, 
 and in the calculation of the premiums, the sum 
 assured is, in all cases, assumed to be payable at the 
 expiration of the year in which the life fails. 
 
 The present Value, therefore, or ^' Single Pre- 
 mium '' for an assurance on a life at any age, is equal 
 to the sum of the present values of <£l certain, to be 
 received at the expiration of 1, 2,3, &c., &c. years to 
 the end of life, multiplied respectively by the proba- 
 bility of the life failing in each year. 
 
 EXAMPLE. 
 
 Required, the single premium to secure £\ on a 
 life aged 97, reckoning interest at 3 per cent. 
 
 By Table 2,— .970874 = Present value of £l to be 
 
 received at the expira- 
 tion of 1 year. 
 „ .942596 = ditto ditto, 2 years 
 
 „ .915142 = ditto ditto, 3 „ 
 
 And by Table 5, — — = Probability of a life aged 97 
 
 failing in or before comple- 
 ting the 98th year of age. 
 ^ = ditto 99th year. 
 
 1= ditto 100th ditto. 
 
 Then, 
 
 13 
 
 ( 9 X .970874 ) + (3 x .942596) + (1 x .915142) ^^ 
 
 yn ^ = .96005 
 
29 
 
 the Single Premium required ; but if^ as in the case of 
 Annuities (see page 26) we multiply the numerator and 
 denominator by .056858 the present value of ^'l to 
 be received at the expiration of 97 years, (the same 
 number of years as the age,) the value will not be 
 altered, and we shall have 
 ( 9 X .055202) + (3 X .053594) + (1 x .052033) 
 
 1 3 X. 056858 -.Jb005 
 
 as before, and in a similar manner the single pre- 
 mium for an assurance at any other age may be found. 
 But we have already got each of the denominators 
 that would obtain at each age (the number 
 living at each age multiplied by the present value 
 of ^1, to be received at the expiration of the 
 same number of years as the age) — in column D, 
 and the quantity in column M, opposite to any age, 
 is equal to the sum of the decrements opposite to 
 that age, and all the ages older than the given 
 age in Table 5, multiplied respectively by the present 
 value oi £\. to be received at the expiration of one 
 year more than the given age, as, for example : 
 
 Present value 
 
 Deere- ""^ ^^ ^"^,** 
 ^Se- ment the end of one 
 year more than 
 
 the age. 
 
 99 1 X .052033 = .052033 =M, opposite to 99 years 
 
 of age 
 98 3 X .053594 = .160782 
 
 Sum = .212815 = M, ditto, 98 
 97 9 X. 055202 = .4968 18 
 
 Sum = .709633 =M, at 97 
 
 and the last quantity, .709633, is the sum of the pro- 
 ducts in the numerator above, and agrees with the 
 
30 
 
 quantity in Table 10, in column M, opposite to 97 
 years of age^ and the quantity in column D^ opposite 
 to 97 is .73915^ and corresponds with the pro- 
 duct of the quantities in the above denominator. 
 
 Then —^ =.96005 as before, and agrees with 
 the quantity in Table 15^ in column headed^ 
 ^^ Single Premium^'^ opposite to 97 years of age, 
 so that, where the columns D and M, are formed 
 the rule to determine the single premium is. 
 Divide the quantity in column M opposite to the age 
 hy the quantity in column D, opposite to the same age. 
 and, in this manner, the single premiums at each 
 asre in Table 15 were obtained. 
 
 If the annual premium for an Assurance were £l 
 per annum, its equivalent present value, or ^^ Single 
 Premium," would manifestly be £l paid down,^ 
 added to the present value of an annuity of £*!, to be 
 paid during the life in question, or on a life aged 97 
 .27439 =N, opposite to 97 
 "^ .73915 = D, do. 
 
 ,.,. ,, .73915 + .27439 1.01354 
 
 which IS equal to ^g^^^ = -j^gy^ 
 
 then by the simple rule of proportion. If 
 
 1.01354 , .70962 = M, at97 .70962 .73915 
 
 .73915' .73915 =D, at 97 • .73915 1.01354 
 
 .70962 = M, at 97 „^^. . 
 
 = . . XT ^ n/? .70014 
 
 1.01354 =N, at 96 
 the annual premium for an assurance of jf'l on a life 
 aged 97, and corresponds with the quantity given in 
 
 * The Annual Premium for an assurance is always paid at the beginning of the 
 year. 
 
31 
 
 Table 15, in column headed ^^ Annual Premium/' 
 opposite to 97 years of age. 
 
 The rule^ therefore, to determine the annual pre- 
 mium for an assurance of £^1 is, 
 
 D ivide I he quantity in cohuim M, opposite to the given 
 age, hy tJie quantity in column iV, opposite to the age 
 one year younger; and, in this manner, tlie annual 
 premiums at each age, in Table 15, were obtained. 
 
 It is also manifest from the above that the annual 
 premium might have been obtained by the following 
 rule : 
 
 Divide the Single Premium by 1 plus the value of 
 an annuity on the life at the given age. 
 
 Column R is the sum of the quantity at each age, 
 and all the ages older than the given age in column 
 M, and is useful in finding the values of increasing 
 and decreasing assurances. 
 
 LIFE ANNUITIES.— SINGLE LIVES. 
 
 TABLE XII. 
 
 It has already been shewn, in page 27 that the rates 
 2J, 3, and 3^ per cent, in this Table, have been 
 constructed from the D and N columns in Tables 9, 
 10, and 11, but as D and N columns have not been 
 constructed for any other rates of interest, it was 
 found to occupy less time to calculate the remaining 
 rates by the ordinary method. 
 
 As the payment of an annuity depends upon the 
 
32 
 
 party being alive when it becomes due, and as an 
 
 annuity is considered to be due at the end of each 
 
 year, it is manifest that the value of an annuity on a 
 
 life aged 99, the oldest age in the Table, is equal to 
 
 ; and on a life aged 98, the value, if the life were 
 
 certain to survive the year, would at the end of the 
 
 year be equal to £l, plus an annuity on a life aged 
 
 99, the present value of which reckoning interest 
 
 at 3 per cent, is manifestly. 
 
 1 +0 X .970874 = .970874; but as the life is not certain 
 
 to survive the year, this value must be diminished in 
 
 the ratio of certainty or unity to the probability of its 
 
 surviving the year, and will be 
 
 A . 1 c^n^onA .970874 ^., 
 As 1 : |:: .970874 : — - — = .243 
 
 and corresponds with the value given in Table 12, 
 under 3 per cent, and opposite to 98 years, and by 
 proceeding in this manner from the oldest to the 
 youngest age, the rates 2, 4, 4|^, 5, 6, 7, and 8, per 
 cent, have been computed, and is the method adopted 
 by Mr. Milne in his excellent treatise on annuities. 
 
 The rule being 
 
 Multiply U7iily added to the value of an annuity on 
 a life one year older than the given life by the present 
 value of £\, due at the end of 1 year, and by the pro- 
 bability of the given life surviving 1 year, and the 
 product ivill be the value of an annuity on the given 
 
 life. 
 
 The table being formed, the value of any other 
 amount at any given age and rate of interest, may 
 be readily obtained by the following rule : 
 
33 
 
 Multiply the anmiity of £\ at the given age and 
 rate per cent, by the annuity^ whose amount is required, 
 and the product will be the value of such annuity. 
 
 EXAMPLE 1. 
 
 Required the value of an Annuity of ^150 per 
 annum, on a life aged 54 reckoning interest at 3 per 
 cent ? 
 
 By Table 12, opposite to 54 years of age, will be 
 found 12.385. the present value of ^1 per annum on 
 a life at that age, which, multiplied by 150 = 
 £1857.75 =^1857. 15 the value required 
 
 If it were required to find what annuity should be 
 granted in consideration of a sum to be paid down, the 
 rule would manifestly be 
 
 Divide the sum to be paid down by the present value 
 of an annuity of £\ on the given life at the given rate 
 of iideresiy as for 
 
 EXAMPLE 2. 
 
 What Annuity ought to be granted on a life aged 
 54 in consideration of jf" 1857. 15 paid down, reckon- 
 ing interest at 3 per cent ? 
 
 12.385 was shewn in the last example to be the 
 value of an annuity at 3 per cent, on a life 
 aged 54. 
 
 1857.75 ^,_ ^ J , 
 
 then .^ oog = X 1 50 Answer, — and corresponds 
 12.385 ^ ^ 
 
 with the annuity in example 1, whose present value 
 was shewn to be £1857. 75 = f 1857.15. 
 
 E 
 
34 
 LIFE ANNUITIES— JOINT LlV^ES. 
 
 TABLE XIII. 
 
 The same reasoning employed with respect to 
 Annuities on Single Lives^ is applicable to Joint 
 Lives, the rule to determine the value of an annuity 
 on the latter being, 
 
 Multiply unily added to the value of an annuity on 
 two Joint LiveSy respectively , one year older than the 
 two given lives, by the present value of £\, due at the 
 end of one year, and by the probability of the two given 
 lives jointly surviving one year, 
 
 EXAMPLE. 
 
 Required, the value of an Annuity on two Joint 
 Lives aged 89 and 84, reckoning interest at 3 per 
 cent ? 
 
 The two lives one year older than these respectively, 
 are aged 90 and 85, and, on reference to Table 13, 
 in the column headed, '' Older," will be found 90, 
 and in the column on the right, headed, " Younger," 
 will be found 85, opposite to which, in the column 
 headed, 3 per cent, will be found, 
 
 0.946 the value of an annuity on two joint 
 lives, aged 90 and 85, 
 And on reference to Table 6, it will be found that 
 .7076180 is the probability of a life aged 89, 
 
 surviving one year 
 .8103215 ditto 84 years, ditto 
 
35 
 
 then .7070180 x .8103215 = .57340 the probability 
 
 of the lives jointly 
 
 and by Table 2 .970874 
 
 surviving one year 
 present value of <£*! 
 at 3 per cent, due at 
 the end of one year, 
 then 1,946 x .970874 x .57340 = 1.083 the 
 value of an annuity on the two lives aged 89 and 
 84 as required^ and which corresponds with the value 
 in Table 13, opposite to 89 and 84, in column head- 
 ed 3 per cent., and in this manner by beginning at 
 the ages 
 
 at the several rates of in- 
 terest, all the joint lives, 
 where the difference of age 
 is 5 were obtained, but it 
 was not thought necessary 
 to print the values of any 
 joint lives at an older age 
 than 90. 
 
 
 99 
 
 & M\ 
 
 len 
 
 98 
 
 II 93 
 
 // 
 
 97 
 
 // 92 
 
 if 
 
 m 
 
 // 91 
 
 if 
 
 95 
 
 // 90 
 
 if 
 
 94 
 
 // 89 
 
 If 
 
 93 
 
 // 88 
 
 ff 
 
 92 
 
 // 87 
 
 n 
 
 91 
 
 // 86 
 
 a 
 
 90 
 
 // 85 
 
 H 
 
 89 
 
 // 84 
 
 
 &c. 
 
 &c. 
 
 And in a similar manner all the other quantities at 
 the several rates of interest and differences of age in 
 Table 13 were obtained; the value of the oldest of 
 the two given lives at the given difference of age 
 being first obtained, and then the values of the next 
 two respectively, one year younger, &c. 
 
36 
 
 The Table being formed, the value of an Annuity 
 for any amount at any of the given ages, and rates of 
 interest, may be obtained in the following manner. 
 
 Multiply the value of the annuity of £\ at the given 
 ages and rate of interest by the annuity, ivhose value is 
 required, and the product ivill be the value of such 
 annuity. 
 
 EXAMPLE 1. 
 
 Required the value of an Annuity of £^0 per 
 annum on two joint lives aged 71 & 51, reckoning 
 interest at 3|- per cent ? 
 
 On reference to Table 13, in column '' 3 J per 
 cent/' opposite to 71 & 51, will be found 5.487, 
 which, multiplied by 30, gives 164,610 = ^164 12 2, 
 the value required? 
 
 EXAMPLE 2. 
 
 Required the value of an Annuity of £50 per an- 
 num on two joint lives aged 7 1 and 53, reckoning 
 interest at ^^ per cent ? 
 
 It will be found, on reference to Table 13, that 
 both these ages are not contained in the Table, but 
 against 71, the older age (in finding the values 
 of annuities on joint lives, the older age is the 
 index of the two ages), we find opposite to the column 
 headed ^* Younger,"' that age 53 falls between 5 1 and 
 56, and the value at 3^ per cent, on 
 71 & 51 is 5.487 
 and 71 // 56 // 5.240 
 Dilference 0,247 
 
37 
 
 and this being the difference for 5 years, 
 -|th or, 049 subtracted from 5.487 will give the 
 
 value on 71 & 52 
 
 ^^« // 098 ditto ditto, on 71 & 53 
 
 -^ths // 147 ditto ditto, // 71 // 54 
 
 -> // 196 ditto ditto, // 71 // 55 
 
 then 5.487-098 = 5.389, which, multiplied by 50 
 
 = ^269,450 =£"260 9, the value of an annuity of 
 
 £50 per annum on two joint lives, aged 71 & 53, as 
 
 required. 
 
 And in a similar manner the value of an annuity 
 
 at any other ages not found in the Table may be 
 
 obtained. 
 
 TWO JOINT LIVES AND THE SURVIVOR. 
 
 An Annuity on the Last Survivor of two lives 
 signifies an Annuity to be paid until the expiration 
 of both lives. 
 
 It is manifest that an annuity during the joint conti- 
 nuance of two lives added to an annuity on the last 
 survivor, are together equal to the sum of similar 
 annuities on each of the lives, for in the case of the 
 JointLives, the annuity would cease at the first death, 
 and in the other on the death of the last survivor, 
 consequently the value of the annuity on the last sur- 
 vivor may be obtained by subtracting the value of 
 an annuity on the Joint Lives from the sum of the 
 annuities on the two single lives. 
 
 EXAMPLE. 
 
 Required the value of an Annuity of £30 per 
 
38 
 
 annum, on the last survivor of two lives aged 51 and 
 36, reckoning interest at 3^ per cent? 
 
 On reference to Table 12, in column headed 3 J per 
 cent, will be found opposite to ages 5 1 and 36 
 
 12.795 = Value of annuity of jfi'l on a life aged 51, 
 
 17.037 = ditto ditto 36^ 
 
 29.832 = Sum 
 
 And on reference to Table 1 3, in column headed 3j 
 per cent, will be found 11.260, the value of an 
 annuity on the two joint lives; then 29.832 — 11.260 
 = 18.572, which multiplied by 30, gives 55,7160 = 
 £65 14 4 — Answer. And in a similar manner the 
 value of an annuity of any other amount may be 
 obtained, the rule being. 
 
 From the sum of the valuea of an annuity of £\ on 
 the separate lives at the given late, deduct the value of 
 a similar annuity at the same rate on the Joint Lives 
 and midtiply the difference by the annuity whose value 
 is required. 
 
 ABSOLUTE REVERSIONS— PRESENT 
 
 VALUES. 
 
 TABLE XIV. 
 
 The mode of constructing this Table is explained 
 in page 42. 
 
 EXAMPLE. 
 
 What is the present value of the Reversion to 
 ^£"5000, or which is the same thing, the Single Pre- 
 mium for an assurance of £5000 to be received at 
 
39 
 
 tlie end of the year, in wliicli a life aged (JO may fail, 
 reckoning interest at 4 per cent. ? 
 
 By column 4 per cent, in Table 14, opposite to 60 
 years of age will be found .59943, the present value 
 of the reversion of ^1 on the failure of the life in 
 question ; then 
 
 .59943 X 5000 =^2997.15 =f 2997 3 the value 
 required. 
 
 LIFE ASSURANCES— SINGLE LIVES. 
 TABLE XV. 
 EXAMPLE I, 
 
 What Single Premium should be charged for an 
 assurance of f 2500 on a life aged 55, reckoning 
 interest at 3 per cent. ? 
 
 By column headed ^^ Single Premium," in Table 
 15, and opposite to 55 years of age will be found 
 .62075 the Single Premium to assure £l on the given 
 life; then ,62075 X 2500 =^155L875 =^1551 17 6, 
 the Single Premium required. 
 
 EXAMPLE 2. 
 
 What Annual Premium should be charged for an 
 assurance of £4000 on a life aged 65^ reckoning in- 
 terest at 3 per cent. ? 
 
 By column headed Annual Premium in Table 15, 
 and opposite to 65 years of age, will be found. 07745, 
 the Annual premium for an assurance of ^1 on the 
 given life, then 
 
 .07745x4000 =^309.8 =.£309 16, the Annual 
 Premium required. 
 
40 
 
 The quantities in Table 15 were obtained by means 
 of the D. N, and M, columns in Table 10, as 
 explained in pages 28—31. The mode of obtaining 
 the same results by the ordinary method will be 
 illustrated in the following 
 
 EXAMPLE. 3. 
 
 Required the Single Premium for an assurance of 
 ^1 on a life aged 97, reckoning interest at 3 per 
 
 cent. 
 
 By Table 2 .970874= Present value of £], to 
 
 be received at the ex- 
 piration of 1 year. 
 // .942596= ditto ditto, 2 years. 
 
 // .915142= dittoditto, 3 // 
 
 and by Table 5 ^^~^ = Probability of a life aged 
 
 97 failing in or before 
 completing the 98th 
 year of age. 
 
 ^~~^ = ditto ditto, in 99th ditto 
 
 13 
 
 // ^= ditto ditto, in 100th ditto 
 
 Then (see page 28) 
 
 (1^ X .970874) + (^ X .942596) + 
 
 f_i_x .915142) =.96005 Single Premium re- 
 
 ^ 13 
 quired as contained in Table 15, in column headed 
 '' Single Premium/' opposite to 97 years of age. 
 
41 
 
 Let us, however, separate the positive from the 
 negative quantities, and we shall have ( if x .970874) 
 + (^ X 942596) + (i§ X .915142)=Positive quantities. 
 If we divide each of these by .970874, the present 
 value of ^1, to be received at the expiration of one 
 year, and multiply them again by that quantity, 
 their value will still be the same, and we shall have 
 
 .970874[j|+(^x 970874) + (j^x942596)| 
 
 But the sum of the two last quantities, as was shewn 
 in page 26, is equal to jf 0.37 1— the value of an annu- 
 ity on a life aged 97, if, therefore, we substitute this 
 value we shall have 
 
 ^ + 0.371 )> = 970874 + (.970874 x 0.371) 
 
 Let us now bring down the negative quantities from 
 the original expression which are, 
 
 ( ^ X 970874) + (^ X 942596) 
 
 But these have just been shewn to be equal to .0.371 
 the value of an annuity on a life aged 97, this quan- 
 tity, therefore, must be subtracted from the above 
 expression, which will give 
 
 ,970874 + (.970874 X .0.371) -0.371. 
 Now the middle quantity is the present value of 
 £0.371 to be received at the expiration of one year, 
 (for the present value oi £i due at the end of any 
 number of years, multiplied by any other sum, gives 
 the present value of that sum for the same period), 
 and if we subtract it from the last quantity we shall 
 have .01082 or the discount for one year of the value of 
 
42 
 
 the annuity;* then 970874— .01 082 = .96005, as 
 before. 
 
 The rule, therefore, for finding the Single pre- 
 mium for an assurance by the ordinary method is 
 
 From the prese7it value of £\ at the given rate of 
 
 interest due at the end of one year subtract the discount 
 
 for one year of the value of an annuity of £\ on the 
 
 given life at the same rate of interest. And by this 
 
 rule the quantities in Table 14 were obtained. 
 
 The Rule to determine the annual premium as 
 shewn in page 31, is 
 
 Divide the single premium by 1 plus the value of 
 an annuity on the life. 
 
 And in a similar manner it might be shewn, that the 
 Rule to determine the Single Premium for an assu- 
 rance on two Joint Lives is 
 
 From the present value of £\ at the given rate of 
 interest due at the end of one year^ subtract the discount 
 for one year of the value of an annuity of £\ on the 
 Joint Lives at the same rate of interest. 
 
 And for the Annual Premiums 
 
 Divide the single premium by 1 plus the value of an 
 annuity on the Joint Lives. 
 
 And in this manner Table 16 was formed. 
 
 And similarly — 
 
 To find the Single Premium for an Assurance on 
 the Last Survivor of Two Lives. 
 
 * The discount of any sum is manifestly the difference between that sum and 
 its present value, and may be obtained by multiplying the discount of £1 by 
 any other sum, whose discount is required. 
 
43 
 
 From the present value of £\ at the given rate of 
 interest due at the end of one year, subtract the discount 
 for one year of the value of an annuity of £\ on the 
 last survivor, of the two lives at the same rate of interest. 
 
 And for the Annual Premium — 
 
 Divide the single premium by 1 plus the value of 
 an annuity on the last survivor. 
 
 And in this manner Table 17 was formed. 
 
 LIFE ASSURANCES.— JOINT LIVES. 
 
 TABLE XVI. 
 
 The quantities in this Table were constructed by 
 the following rules (see page 42.) 
 
 To find the Single Premium. 
 
 From the present value of £\ at the given rate of 
 interest, due at the end of one year, subtract the discount 
 for one year of the value of an annuity of <£] oji the 
 Joint Lives at the same rate of interest. 
 
 To find the Annual Premium : 
 
 Divide the Single Premium by £\ plus the value 
 of an annuity on the Joint Lives, 
 
 EXAMPLE 1. 
 
 Required the single and annual premium for an 
 assurance of £\ on two lives aged 53 and 18^ rec- 
 koning interest at 3 per cent,? 
 
 By column 3 per cent, in Table 2^ and opposite to 
 one year^ will be found 
 
44 
 
 ,970874 the present value of ^1 at 3 per cent. 
 
 due at tlie end of one year. 
 
 And 1-. 970874 = .029126 = discount of ^1 at the 
 
 same rate for one year. 
 
 By column 3 per cent in Table 13^ opposite to 53 
 
 and 18, will be found, 
 
 11.776, the value of an annuity of £l on the 
 
 two Joint Lives. 
 
 And .029126 x 1 1.776 = . 34297 = the discount of the 
 
 annuity for one year. 
 
 Then .970874 -.34297 = .62790 the single premium 
 
 required, and corresponds with the quantity in column 
 
 ^^ Single Premium," in Table 16, opposite to ages 
 
 53 and 18. 
 
 ^ , .62790 .62790 ^.^.. .i a 
 
 1 -1-11 776 ""^ 12 77(3 = .04915 the Annual 
 
 Premium required, and corresponds with the quan- 
 tity in column *^ Annual Premium," in Table 16, 
 opposite to ages 53 and 18. 
 
 And in a similar manner, the premiums at all the 
 other ages in the Table were calculated, from 
 which the Premiums, for assurances of any other 
 amount may be readily obtained as shewn in the 
 following examples. 
 
 EXAMPLE 2. 
 
 Required the Single Premium that would be 
 charged according to Table 16, to effect an assu- 
 rance of ^2000 on two lives, aged 54 and 29 ? 
 
 On reference to the Table in column, headed 
 " Single Premium," and opposite to ages 54 and 29, 
 
45 
 
 will be found .64306, the Single Premium for an 
 assurance of £"1 on the two lives, which, multiplied 
 by 2000 gives ^1286.12 =£1286 2 5, the Single 
 Premium required. 
 
 EXAMPLE 3. 
 
 What Annual Premium should be charged for the 
 above assurance ? 
 
 On reference to Table 16 in column, Annual Pre- 
 mium per <£l, and opposite to ages 54 and 29, will 
 be found .05247 which multiplied by 2000 = 104.94 
 = ^104 18 10, the Annual Premium required. 
 
 LIFE ASSURANCES.— LAST SURVIVOR. 
 
 TABLE XVII. 
 
 The quantities in this Table were constructed by 
 the following rules, (see page 42.) 
 
 To find the Single Premium : 
 
 From the present value of £i at the given i^ate oj 
 
 interest clue at the end of one year, subtract the discount 
 
 for one year, of the value of an Annuity of £l on the 
 
 last Survivor of the two lives at the same rate of interest. 
 
 To find the Annual Premium : 
 
 Divide the Single Premium by 1 plus the value of 
 an annuity on the last survivor, 
 
 EXAMPLE 1. 
 
 What Single and Annual Premium should be 
 charged for an assurance of <£l on the last survivor 
 
46 
 
 of two lives aged 46 and 41, reckoning interest at 3 
 per cent.? 
 
 By Table 12, in column 3 per 
 cent, the value of an annuity of ^1, 
 on a life aged 46 years is 15.204 
 
 Ditto, ditto, 41 ditto .16.821 
 
 Sum =32.025 
 
 By Table 13, in column 3 per 
 cent. the value of an annuity of ^1 
 on two joint lives aged 4 6 and 4 lis. . 12.488 
 
 Difference. • 19.537 = Value of 
 
 an annuity of ^1 on the last survivor, (see page 37). 
 
 By Table 2, the present value of £l at 3 per cent, 
 due at the end of 1 year = .970874 and 1— .970874 = 
 .029126 the discount of ^1 at 3 per cent, for one 
 year. 
 
 Then .029126 x 19.537= .56902 the discount 
 for one year of the annuity on the last survivor. 
 And .97087— .56902 = .40185 = the Single Premium 
 required, and corresponds with the quantity in column 
 *^^ Single Premium"^ in Table 17, opposite to ages 46 
 and 41. 
 
 The Annual Premium, therefore, is equal to 
 
 .40185 .40185 ^^^^^ , , 
 
 1 + 19.537 = 20:537= -^^^^^^ ^^^ corresponds 
 
 with the quantity in column " Annual Premium per 
 £{," in Table 17, opposite to the ages 46 and 41. 
 
 And in a similar manner the Premiums at the other 
 ages in the Table were found, from which the value of 
 an assurance of any other amount may readily be 
 obtained as shewn in the following examples. 
 
47 
 
 EXAMPLE 2. 
 
 What Single Premium should be charged for an 
 assurance of £5000 on the last survivor of two lives 
 aged 60 and 50^ reckoning interest at 3 per cent.? 
 
 By Table 17_, opposite to ages 60 and 50^ in 
 column *^ Single Premium per £\," will be found 
 »51671, the single premium for the assurance of £l, 
 on the survivor of the two lives^ which_, multiplied by 
 5000, gives £2583.55=^2583 11 the single 
 premium required, 
 
 EXAMPLE 3. 
 
 What Annual Premium should be charged for the 
 above assurance ? 
 
 Bj Table 17^ opposite to ages 60 and 50^ in 
 column headed *^ Annual Premium per£j_,''^ will be 
 found .03114^ the annual premium for the assurance 
 of £l^ on the last survivor of the two lives, which^ 
 multiplied by 5000 gives £155.70 = £155 14, the 
 annual premium required. 
 
 VALUATION OF POLICIES— SINGLE LIVES. 
 
 TABLES XVIII & XIX. 
 
 Let it be assumed that the Annual Premium upon 
 an assurance is ^1. 
 
 Then the value of all the future Premiums_, where 
 the Annual Premium has just been paid, is evidently 
 equal to the value of an annuity of ^1 on the given 
 life. 
 
48 
 
 And where the premium is just due, but not paid, 
 the value is evidently greater by that amount, and is 
 equal to ^1 plus the value of an annuity of £l on the 
 given life. 
 
 The value of the future premiums, when estimated 
 at any intermediate period between two successive 
 payments, may, therefore, be obtained by deducting 
 the value of ^1 on the age of the assured, at the date 
 of the last payment, from the value increased by unity 
 of a similar annuity on the age at the next payment, 
 and adding to the former a part of the difference, 
 proportional to the time elapsed since the last pay- 
 ment became due ; and the several values thus ob- 
 tained are given for each year and month in Table 18, 
 
 And the value of the future payments of any other 
 Annual Premium may be obtained by multiplying the 
 quantities in the Table by such Annual Premium. 
 
 The quantities in Table 19, show the Single Pre- 
 mium required for an assurance of <£ 1 on each age, 
 from 1 to 70 with interpolated values for months 
 in each year. 
 
 And the value for any other amount may be 
 obtained by multiplying the quantities in the Table 
 by such amount. 
 
 The Value of a policy at any time is manifestly the 
 difference between the *^ Single Premium,^'' for the 
 sum assured on the age of the party, at the time the 
 policy is proposed to be valued, and the then value 
 of all the future premiums, expected to be received 
 on such policy. 
 
49 
 
 EXAMPLE 1. 
 
 Required the value of a policy of £4000, effected 
 at an annual premium of ^100 13 4 = £100.667 on 
 a life aged 39, but now aged 57 years and four 
 months ? 
 
 By Table 19, in column, headed 4 months, and 
 opposite to 57 years, will be found .64561, the single 
 premium for an assurance of £l on a life aged 57 
 years and 4 months. 
 
 Then .64561 x 4000 = 2582.4= Single Premium for 
 
 an assurance of 
 
 £4000 on a life 
 
 aged 57 years and 
 
 4 months. 
 
 And by Table 18, in column, headed 4 months, and 
 
 opposite to 57 years, will be found 11.501, the value 
 
 of the future premiums of f 1 per annum, on a life 
 
 aged 57 years and 4 months. 
 
 Then 11.501 x 100.667 = 1157.8 = Value of future 
 
 Premiums. 
 And 2582.4—1157.8 = 1424.6 = f 1424 12 the 
 value of the policy as required. 
 
 EXAMPLE 2. 
 
 Required the value of a policy of £"3000, effected 
 at an Annual Premium of ^68 8 0, =68,4 on a life 
 aged 36, but now aged 60, upon which the premium 
 is just due, but not paid. 
 
 In this case the premium being just due, but not 
 paid, the value of the future premiums will be 11.188, 
 
 G 
 
50 
 
 the quantity in Table 1 8, opposite to 59 years and 
 12 months, {i.e. unity added to 10.188, the quantity 
 opposite to 60 years of age,) multiplied by 68.4, 
 which gives 765.25. 
 
 And by Table 19, the Single Premium for an 
 assurance of ^''l, on a life aged 60, is .67414, which, 
 multiplied by 3000, is equal to 2022.42. 
 Then, 2022.42— 765.25 =£^1257. 17 =£1257 3 5 = 
 the present value required. 
 
 If the premium in this case had been just paid, the 
 value of the future premiums would be equal to 
 10.188, the quantity opposite to 60 years of age mul- 
 tiplied by 68.4=696.85. 
 
 And 2022.42-696.85 = 1325.57=^1325 11 5 = 
 the value required; which, it will be observed, is 
 equal to the above value, plus £6S Ss., so that the 
 value of a policy, when the premium has just been 
 paid, is equal to the value of the policy upon which 
 the premium is due and not paid, plus the payment 
 then made. 
 
 If one or more bonuses have been added to a policy, 
 find the value at the present age of the sum assured 
 by the policy, plus the amount of such bonuses, and 
 proceed as before. 
 
 The value of a policy which had been effected by 
 the payment of a single premium is manifestly equal 
 to the single premium that would be required for an 
 assurance of the same amount at the present age, and 
 may be obtained from Table 19. 
 
51 
 
 TEMPORARY ANNUITIES AND 
 ASSURANCES. 
 
 Comparative Advantages of the Z), iY, and M Method, and the 
 Ordinary Method of Calculating the Values of Annuities 
 and Assurances. 
 The D and N system was first employed by Mr. 
 
 Griffith Davies^ the Actuary of the Guardian Assu- 
 rance Company, and the Formulae used by him are 
 somewhat analagous to those originally pointed out by 
 the late Mr. Barrett. 
 
 The following examples will serve to show the 
 superiority of the new method. 
 
 EXAMPLE 1. 
 
 Required the value of an Annuity of £'20 per 
 annum on a life aged 36^ to continue 10 years, reck- 
 oning interest at 3 per cent. 
 
 Rule by the D. and N. columns. 
 
 From the quantity in column N at the present as^e, 
 subtract the quantity in the same column at the 
 advanced a<^e, and divide the difference by the quantity 
 in column D at the present age. 
 
 In Table 10, 515312.329 = the quantity in column 
 
 N, opposite to 36 the 
 
 present age. 
 
 ,, 287000.704 ditto, opposite to 46, 
 
 ■ the advanced age. 
 
 22831 1.625 = difference. 
 
 ,, 28228.483 =: the quantity in column 
 
 D. opposite to 36 the 
 
 present age. 
 
52 
 
 228311.625 ^ ^^^ ,^ 
 then "oqooq'Tqq ="*^^"^ ^^^ value required. 
 
 Rule, by the common method — 
 From the value of an annuity on the life at the pre- 
 sent age, subtract the value of an annuity on the life at 
 the advanced age, multiplied hy the present value of£l 
 at the given rate of interest due at the end of the term 
 for which the annuity is to continue^ and by the proba- 
 bility of the life at the present age, surviving that term. 
 By column, headed 3 per 
 
 cent, in Table 12 18.255 = present value of 
 
 an annuity of £^1 
 
 on a life aged 36. 
 
 Do. do. 15.204=do. do. 46. 
 
 By Table 2, in column 3 
 
 per cent, opposite 10 years, .744094 = Present value 
 
 of £\ at 3 per 
 cent, due at the 
 endof 10 years. 
 
 By Table 5 73526 = Probability of a 
 
 81814 life aged 36, 
 
 living 10 years. 
 
 73526 
 Then 15.204 x ,744094 x ^YgY^ = 10. i 67 
 
 And 18.255—10.167 =8.088 as before. 
 
 The rule to find the value of a DEFERRED 
 ANNUITY, by the D and N columns is. 
 
 Divide the quantity in column N, at the age the 
 Annuity is to be entered upon by the quantity in column 
 D at the present age. 
 
53 
 
 EXAMPLE 2. 
 
 Required the Single Premium for an assurance of 
 £3000 on a life aged 40 for the term of 7 years, 
 reckoning interest at 3 per cent.? 
 Rule by the D and M columns. 
 From the quantity in column M at the present age 
 subtract the quantity in the same column at the advanced 
 age, and divide the difference hy the quantity in 
 column D at the present age. 
 
 In Table 10, 11384. 144 = the quantity in column 
 
 M, opposite to 40, the 
 present age. 
 u 9732.454 Ditto opposite to 47 the 
 
 advanced age, 
 
 1651.690 = difference 
 u 241 11,6 15= the quantity in column 
 
 D, opposite to 40, the 
 present age. 
 
 ^, 1651.690 ^^^^ - . , I,. ,. , , 
 
 Ihen 04111 ^ig = '^Q^^^ which, multiplied by 3000 
 
 gives f'205.5=.£'205 10 0, the single premium re- 
 quired. 
 
 Rule by the common method. 
 
 From the value of an annuity on the life, at the 
 present age, subtract the value of an annuity on the 
 life at the advanced age y multiplied by the present value 
 of £\. due at the end of the term for which the assur- 
 ance is to continue, and by the probability of the life 
 surviving that term ; and multiply the difference thus 
 
54 
 
 obtained by the discount of £ I, for one year; then sub- 
 tract this product frofn the present value of £\, due 
 at the end of one year, multiplied by unity minus the 
 product of the probability of the life surviving the term, 
 and the present value of £l, due at the end of the term. 
 In column 3 per cent 
 
 of Table 12 17. 123 = the present value of 
 
 an annuity of <£l at 
 three per cent, on a 
 life aged 40. 
 M 14.864= do. do 47 
 
 In ditto of Table 2, .813092 = the present value of 
 
 fl^ at 3 per cent, due 
 
 at the end of 7 years 
 
 Ditto .970874 = do. do. at the end 
 
 of 1 year. 
 And 1—970874 = 029 126= discount of£l at 3 
 
 per cent, for one year. 
 From Table 5 we obtain 4lil, the probability of a 
 life aged 40 surviving 7 years. 
 
 From which we obtain, according to the rule 
 
 .970874[l— ^mi X .813092 |-.029126J^17.I23— 
 
 
 -ggx. 813092x14.864] = 
 
 .24240— .17388 = .06852. 
 And .06852 x 3000- £205.5 = £205 10 as before. 
 
 The rule to find the value of a DEFERRED 
 ASSURANCE by the D and M columns is, 
 
55 
 
 Divide the quantity in column M, at the advanced 
 age, by the quantity in column D at the present age. 
 
 The above examples in Temporary Annuities^ and 
 Assurances, without exhibiting the length of the 
 operations of the multiplications and divisions, are 
 sufficiently illustrative of the superiority of the D and 
 N method. Other examples, much more striking, 
 might be given, but the subject will be found fully 
 illustrated in the treatise on Annuities and Assu- 
 rances, by D. Jones, published by the Society for the 
 Diffusion of Useful Knowledge, in which will also be 
 found a very extensive collection of formulae for all 
 cases involving one and two lives.* 
 
 *This Formulae is contained in No. 7, of the work, price sixpence, which may 
 probably be obtained separately, and as it is printed in octavo, it might with 
 advantage be bound up with the present work. 
 
TAB LES 
 
COMPOUND INTEREST, 
 
 Showing the Amount of £1 improved at Compound Interest, for any 
 number of years not exceeding 100. 
 
 Years. 
 
 1 
 2 
 3 
 4 
 5 
 
 G 
 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 
 35 
 
 36 
 
 37 
 38 
 39 
 40 
 
 41 
 42 
 43 
 44 
 45 
 
 46 
 47 
 48 
 49 
 50 
 
 1 ^ Cent. 
 
 li ^ Cent. 2 W Cent 
 
 2i W Cent. 
 
 1.010000 
 1.020100 
 1.030301 
 1.040604 
 1.051010 
 
 1.061520 
 1.072135 
 1.082856 
 1.093685 
 1.104622 
 
 1.115668 
 1.126825 
 1.138093 
 1.149474 
 1.160969 
 
 1.172579 
 1.184305 
 1.196148 
 1.208109 
 1.220190 
 
 1.232392 
 1.244716 
 1.257163 
 1 269735 
 
 1.282432 
 
 1.295256 
 1.308209 
 1.321291 
 1.334504 
 1.347849 
 
 1.361327 
 1.374940 
 1.388689 
 1.402576 
 1.416602 
 
 1.430768 
 1.445076 
 1.459527 
 1.474122 
 
 1.488863 
 
 1.503752 
 1.518790 
 1.533978 
 1.549318 
 1.. 5648 11 
 
 1.580459 
 1.596264 
 1.612227 
 1.628349 
 1.644632 
 
 1.015000 
 1.030225 
 1.045678 
 1.061363 
 1.077284 
 
 1.093444 
 1.109845 
 1.126492 
 1.143389 
 1.160540 
 
 1.177948 
 1.195616 
 1.213550 
 1.231754 
 1.250231 
 
 1.268984 I 
 
 1.288019 
 
 1.307339 
 
 1.326948 
 
 1.346851 
 
 1.367055 
 1.387562 
 1.408376 
 1.429502 
 1.450945 
 
 1.472709 
 1.494800 
 1.517222 
 1.539980 
 1.563080 
 
 1.586527 
 1.610324 
 1.634479 
 1.658997 
 1.683882 
 
 1.709141 
 1.734777 
 1.760799 
 1.787211 
 1.814019 
 
 1.841229 
 1.868847 
 1.896879 
 1.925333 
 1.954212 
 
 1.983525 
 2.013277 
 2.043477 
 2.074129 
 2.105240 
 
 1.020000 
 1.040400 
 1.061208 
 1.082432 
 1.104081 
 
 1.126162 
 1.148686 
 1.171659 
 1.195093 
 1.218994 
 
 1.243374 
 1.268242 
 1.293607 
 1.319479 
 1.345868 
 
 1.372786 
 1.400241 
 1.428246 
 1.456811 
 1.485947 
 
 1.515666 
 1.545980 
 1.576899 
 1.608437 
 1.640606 
 
 1.673418 
 1.706886 
 1.741024 
 1.775845 
 1.811362 
 
 1.847589 
 1.884541 
 1.922231 
 1.960076 
 1.999890 
 
 2.039887 
 2.080685 
 2.122299 
 2.164745 
 2.208040 
 
 2.252200 
 2.297244 
 2.343189 
 2.390053 
 2.437854 
 
 2.486611 
 2.536344 
 
 2.587070 
 2.638812 
 2.691588 
 
 3#'Cent. Sic^Cent. 
 
 1.025000 
 1.050625 
 1.076891 
 1.103813 
 1.131408 
 
 1.159693 
 1.188686 
 1.218403 
 1.248863 
 1.280085 
 
 1.312087 
 1.344889 
 1.378511 
 1.412974 
 1.448298 
 
 1.484506 
 1.521618 
 1.559659 
 1.598650 
 1.638616 
 
 1.679582 
 1.721571 
 1.764611 
 1.808726 
 1.853944 
 
 1.900293 
 1.947800 
 1.996495 
 2.046407 
 2.097568 
 
 2.150007 
 2.203757 
 2.258851 
 2.315322 
 2.373205 
 
 2.432535 
 2.493349 
 2.555682 
 2.619574 
 2.685064 
 
 2.752190 
 2.820995 
 2.891520 
 2.963808 
 3.037903 
 
 3.113851 
 3.191697 
 3.271490 
 3.353277 
 3.437109 
 
 1.030000 
 1.060900 
 1.092727 
 1.125509 
 1.159274 
 
 1.194052 
 1.229874 
 1.266770 
 1.304773 
 1.343916 
 
 1.384234 
 1.425761 
 1.468534 
 1.512590 
 1.557967 
 
 1.604706 
 1.652848 
 1.702433 
 1.753506 
 1.806111 
 
 1.860295 
 1.916103 
 1.973587 
 2.032794 
 2.093778 
 
 2.156591 
 2.221289 
 2.287928 
 2.356566 
 2.427262 
 
 2.500080 
 2.575083 
 2.652335 
 2.731905 
 2.813862 
 
 2.898278 
 2.985227 
 3.074783 
 3.167027 
 3.262038 
 
 3.359899 
 3.460696 
 3.564517 
 3.671452 
 3.781596 
 
 3.895044 
 4.011895 
 4.132252 
 4.256219 
 4.383906 
 
 1.035000 
 1.071225 
 1.108718 
 1.147523 
 1.187686 
 
 1.229255 
 1.272279 
 1.316809 
 1.362897 
 1.410599 
 
 1.459970 
 1.511069 
 1.563956 
 1.618695 
 1.675349 
 
 1.733986 
 1.794676 
 1.857489 
 1.922501 
 1.989789 
 
 2.059431 
 2.131512 
 2.206114 
 2.283328 
 2.363245 
 
 2.445959 
 2.531567 
 2.620172 
 2.711878 
 2.806794 
 
 2.905031 
 3.006708 
 3.111942 
 3.220860 
 3.333590 
 
 3.450266 
 3.571025 
 3.696011 
 3.825372 
 3.959260 
 
 4.097834 
 4.241258 
 4.389702 
 4.543342 
 4.702359 
 
 4.866941 
 5.037284 
 5.213589 
 5.396065 
 5.584927 
 
TABXiS X. 
 
 COMPOUND INTEREST, 
 
 Showing the Aiiiount of£l im})roved at Compoun<l Interest, for any 
 number of vears not exceedinnr 100. 
 
 Years 
 
 . 4 #" Cent. 
 
 4^ #• Cent 
 
 . 5#'Cent. 
 
 6 f Cent. 
 
 7 4f Cent. 
 
 8 ^ Cent. 
 
 1 
 
 1.040000 
 
 1.045000 
 
 1.050000 
 
 1.060000 
 
 1.070000 
 
 1.080000 
 
 o 
 
 1.081000 
 
 1.092025 
 
 1.102500 
 
 1.123600 
 
 1.144900 
 
 1.166400 
 
 3 
 
 1.124864 
 
 1.141166 
 
 1.157625 
 
 1.191016 
 
 1.225043 
 
 1.259712 
 
 4 
 
 1.169859 
 
 1.192519 
 
 1.215506 
 
 1.262477 
 
 1.310796 
 
 1.360489 
 
 5 
 
 1.216653 
 
 1.246182 
 
 1.276282 
 
 1.338226 
 
 1.402552 
 
 1.469328 
 
 6 
 
 1.265319 
 
 1.302260 
 
 1.340096 
 
 1.418519 
 
 1.500730 
 
 1.586874 
 
 7 
 
 1.315932 
 
 1.360862 
 
 1.407100 
 
 1.503630 
 
 1.605781 
 
 1.713824 
 
 8 
 
 1.368569 
 
 1.422101 
 
 1.477455 
 
 1.593848 
 
 1.718186 
 
 1.850930 
 
 9 
 
 1.423312 
 
 1.486095 
 
 1.551328 
 
 1.689479 
 
 1.8384.59 
 
 1.999005 
 
 10 
 
 1.480244 
 
 1.552969 
 
 1.628895 
 
 1.790848 
 
 1.967151 
 
 2.158925 
 
 11 
 
 1.539454 
 
 1.622853 
 
 1.710339 
 
 1.898299 
 
 2.104852 
 
 2.331639 
 
 12 
 
 1.601032 
 
 1.695881 
 
 1.795856 
 
 2.012196 
 
 2.252192 
 
 2.518170 
 
 13 
 
 1 .665074 
 
 1-772196 
 
 1.885649 
 
 2.132928 
 
 2.409845 
 
 2.719624 
 
 14 
 
 1.731676 
 
 1.851945 
 
 1.979932 
 
 2.260904 
 
 2.578534 
 
 2.937194 
 
 15 
 
 1.800944 
 
 1.935282 
 
 2.078928 
 
 2.396558 
 
 2.759032 
 
 3.172169 
 
 16 
 
 1.872981 
 
 2.022370 
 
 2-182875 
 
 2.540352 
 
 2.952164 
 
 3.425943 
 
 17 
 
 1-947901 
 
 2.113377 
 
 2.292018 
 
 2.692773 
 
 3.158815 
 
 3.700018 
 
 18 
 
 2.025817 
 
 2.208479 
 
 2-406619 
 
 2.854339 
 
 3.379932 
 
 3.996020 
 
 19 
 
 2.106849 
 
 2.307860 
 
 2.526950 
 
 3.025600 
 
 3.616528 
 
 4.315701 
 
 20 
 
 2.191123 
 
 2,411714 
 
 2.653298 
 
 3.207135 
 
 3.869684 
 
 4.660957 
 
 21 
 
 2-278768 
 
 2.520241 
 
 2-785963 
 
 3.399564 
 
 4.140562 
 
 5.0.338.34 
 
 22 
 
 2.369919 
 
 2.633652 
 
 2.925261 
 
 3.603537 
 
 4.430402 
 
 5.436540 
 
 23 
 
 2-464716 
 
 2.752166 
 
 3.071524 
 
 3.819750 
 
 4.740530 
 
 5.871464 
 
 24 
 
 2.563304 
 
 2.876014 
 
 3.225100 
 
 4.048935 
 
 5.072367 
 
 6.341181 
 
 25 
 
 2.665836 
 
 3.005434 
 
 3.386355 
 
 4.291871 
 
 5-427433 
 
 6.848475 
 
 2G 
 
 2.772470 
 
 3.140679 
 
 3.555673 
 
 4-549383 
 
 5-807353 
 
 7.396353 
 
 27 
 
 2.883369 
 
 3.282010 
 
 3-733456 
 
 4.822346 
 
 6.213868 
 
 7.988061 
 
 28 
 
 2.998703 
 
 3.429700 
 
 3.920129 
 
 5.111687 
 
 6.648838 
 
 8.627106 
 
 29 
 
 3.118651 
 
 3.584036 
 
 4.116136 
 
 5.418388 
 
 7.114257 
 
 9.317275 
 
 30 
 
 3.243398 
 
 3.745318 
 
 4-321942 
 
 5.743491 
 
 7.612255 
 
 10.062657 
 
 31 
 
 3-373133 
 
 3.913857 
 
 4.538039 
 
 6.088101 
 
 8.145113 
 
 10.867669 
 
 32 
 
 3.508059 
 
 4.089981 
 
 4.764941 
 
 6.453387 
 
 8.715271 
 
 11.737083 
 
 33 
 
 3.648381 
 
 4.274030 
 
 5.003189 
 
 6.840590 
 
 9.325340 
 
 12.676050 
 
 34 
 
 3-794316 
 
 4.466362 
 
 5.253348 
 
 7.251025 
 
 9.978114 
 
 13.6901.34 
 
 35 
 
 3-946089 
 
 4.667348 
 
 5.516015 
 
 7.686087 
 
 10.676581 
 
 14.78.5344 
 
 36 
 
 4.103933 
 
 4.877378 
 
 5.791816 
 
 8.147252 
 
 11.423942 
 
 15.968172 
 
 37 
 
 4.268090 
 
 5.096860 
 
 6.081407 
 
 8.636087 
 
 12.22.3618 
 
 17.245626 
 
 38 
 
 4.438813 
 
 5.326219 
 
 6.385477 
 
 9.154252 
 
 13.079271 
 
 18.625276 
 
 39 
 
 4-616366 
 
 5.565899 
 
 6.704751 
 
 9.703507 
 
 13.994820 
 
 20.115298 
 
 40 
 
 4-801021 
 
 5.816365 
 
 7.039989 
 
 10.285718 
 
 14.974458 
 
 21.724522 
 
 41 
 
 4.993061 
 
 6.078101 
 
 7.391988 
 
 10.902861 
 
 16.022670 
 
 23--162483 
 
 42 
 
 5.192784 
 
 6.351615 
 
 7.761588 
 
 11.557033 
 
 17.144257 
 
 25-339482 
 
 43 
 
 5-400495 
 
 6.637438 
 
 8.149667 
 
 12.250455 
 
 18.344355 
 
 27-366640 
 
 44 
 
 5.616515 
 
 6.936123 
 
 8.557150 
 
 12.985482 
 
 19.628460 
 
 29-555972 
 
 45 
 
 5.841176 
 
 7.248248 
 
 8.985008 
 
 13.764611 
 
 21.002452 
 
 31.920449 
 
 46 
 
 6.074823 
 
 7.574420 
 
 9.434258 
 
 14.590487 
 
 22.472623 
 
 34.474085 
 
 47 
 
 6.317816 
 
 7.915268 
 
 9.905971 
 
 15.465917! 
 
 24.045707 
 
 37.232012 
 
 48 
 
 6.570528 
 
 8.271456 
 
 10.401270 
 
 16.393872 
 
 25.728907 
 
 40-210573 
 
 49 
 
 6.833349 
 
 8.643671 
 
 10.921333 
 
 17.377504 ' 
 
 27.529930 
 
 43.427419 
 
 50 
 
 7.106683 
 
 9.032636 
 
 11.407400 
 
 18.420154 
 
 29.457025 46.9016131 
 
TABXiZ: X. 
 
 COMPOUND INTEREST, 
 
 Showing the Amount of £1 improved at Compound Interest, for anj 
 number of years not exceeding 100. 
 
 
 Years. 
 
 1 #• Cent. 
 
 li f Cent. 
 
 2 #• Cent. 21 #" Cent. 
 
 3 W Cent. 3i f Cent. 
 
 1 
 
 
 51 
 
 1.661078 
 
 2.136818 
 
 2.745420 
 
 3.523036 
 
 4.515423 
 
 5.780399 
 
 
 52 
 
 1.677689 
 
 2.168870 
 
 2.800328 
 
 3.611112 
 
 4.650886 
 
 5.982713 
 
 
 63 
 
 1.694466 
 
 2.201404 
 
 2.856335 
 
 3.701390 
 
 4.790412 
 
 6.192108 
 
 
 54 
 
 1.711411 
 
 2.234425 
 
 2.913461 
 
 3.793925 
 
 4.934125 
 
 6.408832 
 
 
 55 
 
 1.728525 
 
 2.267946 
 
 2.971731 
 
 3.888773 
 
 5.082149 
 
 6.633141 
 
 
 56 
 
 1.745810 
 
 2.301964 
 
 3.031165 
 
 3.985992 
 
 5.234613 
 
 6.8^5301 
 
 
 57 
 
 1.763268 
 
 2.336494 
 
 3.091789 
 
 4.085642 
 
 5.391651 
 
 7.105587 
 
 
 58 
 
 1.780901 
 
 2.371541 
 
 3.153624 
 
 4.187783 
 
 5.553401 
 
 7.354282 
 
 
 59 
 
 1.798710 
 
 2.407114 
 
 3.216697 
 
 4.292478 
 
 5.720003 
 
 7.611682 
 
 
 60 
 
 1.816697 
 
 2.443220 
 
 3.281031 
 
 4.399790 
 
 5.891603 
 
 7.878091 
 
 
 61 
 
 1.834864 
 
 2.479868 
 
 3.346651 
 
 4.509784 
 
 6.068351 
 
 8.153824 
 
 
 62 
 
 1.853213 
 
 2.517067 
 
 3.413584 
 
 4.622529 
 
 6.250402 
 
 8.439208 
 
 
 63 
 
 1.871745 
 
 2.554823 
 
 3.481856 
 
 4.738092 
 
 6.437914 
 
 8.734580 
 
 
 64 
 
 1.890462 
 
 2.593145 
 
 3.551493 
 
 4.856545 
 
 6.631051 
 
 9.040291 
 
 
 65 
 
 1.909367 
 
 2.632042 
 
 3.622523 
 
 4.977958 
 
 6.829983 
 
 9.356701 
 
 
 66 
 
 1.928461 
 
 2.671522 
 
 3.694974 
 
 5.102407 
 
 7.034882 
 
 9.684185 
 
 
 67 
 
 1.947746 
 
 2.711594 
 
 3.768873 
 
 5.229967 
 
 7.245929 
 
 10.023132 
 
 
 68 
 
 1.967223 
 
 2.752267 
 
 3.844251 
 
 5.360717 
 
 7.463307 
 
 10.373941 
 
 
 69 
 
 1.986895 
 
 2.793550 
 
 3.921136 
 
 5.494734 
 
 7.687206 
 
 10.737029 
 
 
 70 
 
 2.006764 
 
 2.835454 
 
 3.999558 
 
 5.632103 
 
 7.917822 
 
 11.112825 
 
 
 71 
 
 2.026832 
 
 2.877986 
 
 4.079549 
 
 5.772905 
 
 8.155357 
 
 11.501774 
 
 
 72 
 
 2.047100 
 
 2.921156 
 
 4.161140 
 
 5.917228 
 
 8.400017 
 
 11.904336 
 
 
 73 
 
 2.067571 
 
 2.964974 
 
 4.244363 
 
 6.065159 
 
 8.652018 
 
 12.320988 
 
 
 74 
 
 2.088247 
 
 3.009449 
 
 4.329250 
 
 6.216788 
 
 8.911578 
 
 12.752223 
 
 
 75 
 
 2.109129 
 
 3.054590 
 
 4.415835 
 
 6.372207 
 
 9.178926 
 
 13.198550 
 
 
 76 
 
 2.130220 
 
 3.100409 
 
 4.504152 
 
 6.531513 
 
 9.454293 
 
 13.660500 
 
 
 77 
 
 2.151522 
 
 3.146913 
 
 4.594235 
 
 6.694800 
 
 9.737922 
 
 14.138617 
 
 
 78 
 
 2.173037 
 
 3.194117 
 
 4.686120 
 
 6.862170 
 
 10.030060 
 
 14.633469 
 
 
 79 
 
 2.194767 
 
 3.242029 
 
 4.779842 
 
 7.033725 
 
 10.330962 
 
 15.145640 
 
 
 80 
 
 2.216715 
 
 3.290659 
 
 4.875439 
 
 7.209568 
 
 10.640891 
 
 15.675738 
 
 
 81 
 
 2.238882 
 
 3.340020 
 
 4.972948 
 
 7.389807 
 
 10.960117 
 
 16.224388 
 
 
 82 
 
 2.261271 
 
 3.390120 
 
 5.072407 
 
 7.574552 
 
 11.288921 
 
 16.792242 
 
 
 83 
 
 2.283884 
 
 3.440971 
 
 5.173855 
 
 7.763916 
 
 11.627588 
 
 17.379970 
 
 
 84 
 
 2.306723 
 
 3.492586 
 
 5.277332 
 
 7.958014 
 
 11.976416 
 
 17.988269 
 
 
 85 
 
 2.329790 
 
 3.544975 
 
 5.382879 
 
 8.156964 
 
 12.335709 
 
 18.617859 
 
 
 86 
 
 ^ 2.353088 
 
 3.598150 
 
 5.490536 
 
 8.360888 
 
 12.705780 
 
 19.269484 
 
 1 87 
 
 2.376619 
 
 3.652123 
 
 5.600347 
 
 8.569911 
 
 13.086953 
 
 19.943916 
 
 i 88 
 
 2.400385 
 
 3.706905 
 
 5.712354 
 
 8.784158 
 
 13.479562 
 
 20.641953 
 
 
 89 
 
 2.424389 
 
 3.762509 
 
 5.826601 
 
 9.003762 
 
 13.883949 
 
 21.364421 
 
 
 90 
 
 2.448633 
 
 3.818947 
 
 5.943133 
 
 9.228856 
 
 14.300467 
 
 22.112176 
 
 
 91 
 
 2.473119 
 
 3.876231 
 
 6.061996 
 
 9.459578 
 
 14.729481 
 
 22.886102 
 
 
 92 
 
 2.497850 
 
 3.934374 
 
 6.183236 
 
 9.696067 
 
 15.171366 
 
 23.687116 
 
 
 93 
 
 2.522828 
 
 3.993390 
 
 6.306900 
 
 9.938469 
 
 15.626507 
 
 24.516165 
 
 
 94 
 
 2.548056 
 
 4.053291 
 
 6.433038 
 
 10.186931 
 
 16.095302 
 
 25.374230 
 
 
 95 
 
 2.573537 
 
 4.114090 
 
 6.561699 
 
 10.441604 
 
 16.578161 
 
 26.262329 
 
 
 96 
 
 2.599272 
 
 4.175800 
 
 6.692933 
 
 10.702644 
 
 17.075506 
 
 27.181510 
 
 
 97 
 
 2.625265 
 
 4.238437 
 
 6.826792 
 
 10.970210 
 
 17.587771 
 
 28.132863 
 
 
 98 
 
 2.651518 
 
 4.302013 
 
 6.963328 
 
 11.244465 
 
 18.115404 
 
 29.117513 
 
 
 99 
 
 2.678033 
 
 4.366543 
 
 7.102594 
 
 11.525577 
 
 18.658866 
 
 30.136626 
 
 
 100 
 
 2.704813 
 
 4.432041 
 
 7.244646 
 
 11.813716 1 19.218632 1 31.191408 
 
TABZ«E X. 
 
 COMPOUND INTEREST, 
 
 Showing the Amount of £1 improved at Compound Interest, for any 
 number of years not exceeding 100. 
 
 Years 
 
 51 
 52 
 53 
 54 
 55 
 
 56 
 
 57 
 58 
 59 
 60 
 
 61 
 
 62 
 63 
 
 64 i 
 
 65 j 
 
 66 ! 
 67 
 68 
 69 
 70 
 
 71 
 72 
 73 
 74 
 75 
 
 76 
 
 77 
 78 
 79 
 80 
 
 81 
 82 
 83 
 84 
 85 
 
 86 
 
 87 
 
 4 4P' Cent. !4^ #* Cent, 
 
 89 
 90 
 
 91 
 92 
 93 
 94 
 95 
 
 9G 
 97 
 98 
 99 
 100 
 
 7.390951 
 7.686589 
 7.994052 
 8.313814 
 8.646367 
 
 8.992222 
 
 9.351910 
 
 9.725987 
 
 10.115026 
 
 10.519627 
 
 10.940413 
 11.378029 
 11.833150 
 12.306476 
 12.798735 
 
 13-310685 
 13.843112 
 14.396836 
 14.972710 
 15.571618 
 
 16.194483 
 16.842262 
 17.515953 
 18.216591 
 18.945255 
 
 19.703065 
 20.491187 
 21.310835 
 22.163268 
 23.049799 
 
 23.971791 
 24.930663 
 25.927889 
 26.965005 
 28.043605 
 
 29.165349 
 30.331963 
 31.545242 
 32.807051 
 34.119333 
 
 35.484107 
 .36.903471 
 38.379610 
 39.914794 
 41.511386 
 
 43.171841 
 I 44.898715 
 46.694664 
 48.562450 
 50.504948 
 
 9.439105 
 
 9.863865 
 
 10.307739 
 
 10.771587 
 
 11.256308 
 
 11.762842 
 12.292170 
 12.845318 
 13.423357 
 14.027408 
 
 5 ^ Cent. 6 ^ Cent 
 
 14.658641 
 15.318280 
 16.007603 
 16.727945 
 17.480702 
 
 18.267334 
 19.089364 
 19.948385 
 20.846063 
 21.784136 
 
 22.764422 
 
 23.788821 
 24.859318 
 25.977987 
 27.146996 
 
 28.368611 
 29.645199 
 30.979233 
 32.373298 
 33.830096 
 
 35.352451 
 36.943311 
 38.605760 
 40.343019 
 42.158455 
 
 44.055586 
 46.038087 
 48.109801 
 50.274742 
 52.537105 
 
 54.901275 
 57.371832 
 59.953565 
 62.651475 
 65.470792 
 
 68.416977 
 71.495741 
 74.713050 
 78.075137 
 81.588518 
 
 7 #' Cent. 8 ^ Cent 
 
 12.040770 
 12.642808 
 13.274949 
 13.938696 
 14.635631 
 
 15.367412 
 16.135783 
 16.942572 
 17.789701 
 18.679186 
 
 19.613145 
 20.593802 
 21.623493 
 22.704667 
 23.839901 
 
 25.031896 
 26.283490 
 27.597665 
 28.977548 
 30.426426 
 
 31.947747 
 33.545134 
 35.222391 
 36.983510 
 38.832686 j 
 
 40.774320 
 42.813036 
 44.953688 
 47.201372 
 49.561441 
 
 52.039513 
 54.641489 
 57.373563 
 60.242241 
 63.254353 
 
 66.417071 
 69.737925 
 73.224821 
 76.886062 
 80.730365 
 
 50 053742 
 54*706041 
 59'082524 
 63" 8091 26 
 68*91 3856 
 
 74.426965 
 80.381122 
 86.811612 
 93.756540 
 101.257064 
 
 31.5190171 
 33.725348 
 36.086122 
 38.612151 
 41.315001 
 
 44.207052 
 47.301545 
 50.612653 
 54.155539 
 57.946427 
 
 62.0026771109.357629 
 66.342864 118.106239 
 70.986865 127.554738 
 75.955945 137.759117 
 81.272861 148.779847 
 
 86.961962 160.682234 
 
 93.049299173.536813 
 
 99.562750 187.419758 
 
 106.532142 202.413339 
 
 113.989392 218.606406 
 
 121.968650 236.094918 
 130.506455 254.982512 
 
 19.525364] 
 20.6968851 
 21.9386981 
 23.255020 1 
 24.650322 
 
 26.129341 
 27.697101 
 29.358927 
 31.120463 
 32.987691 
 
 34.966952 
 37.064969 
 39.288868 
 41.646200 
 44.144972 
 
 46.793670 
 49.601290 
 52.577368 
 55.732010 
 59.075930 
 
 62.620486 
 66.377715 
 70.360378 
 74.582001 
 79.056921 
 
 83.800336 
 88.828356 
 94.158058 
 99.807541 
 105.795993 
 
 112.143753 
 118.872378 
 126.004721 
 133.565004 
 141.578904 
 
 150.073639 
 159.078057 
 168.622740 
 178.740105 
 189.46451l|441.102980ll018.91509 
 
 139.641907 
 149.416840 
 159.876019 
 
 171.067341 
 183.042054 
 195.854998 
 209.564848 
 224.234388 
 
 239.930795 
 256.725950 
 274.696767 
 293.925541 
 
 275.381113 
 297.411602 
 321.204530 
 
 346.900892 
 374.652964 
 404.625201 
 436.995217 
 471.954834 
 
 509.711221 
 550.488119 
 594.527168 
 642.089342 
 
 314.500328 693.456489 
 
 336.515351748.933008 
 360.071426 808.847649 
 385.276426;873.555461 
 412.2457761943.439897 
 
 84.7668831200.832382 471.980188 1100.42830 
 
 505.018802,1188.46256 
 540.370118 11283.53956 
 578.196026 1386.22273 
 618.669748 1497.12055 
 
 89.005227,212.882325 
 93.455489 225.655264 
 98.1282631239.194580 
 103.0346761253.546255 
 
 108.186410,268.759030 661.976630 1616.89019 
 1 13.595731 1284.884572 708.314994 1746.24141 
 119.275517 301.977646,757.897044 1885.94072 
 125.239293 320.096305 810.949837 2036.81.598 
 131.5012.58 3.39.302084'867. 716326 2199.76126 
 
TikB£.£S IZ, 
 
 DEFERRED SUxMS CERTAIN, 
 
 Showing the Present Value of £1 to he received at the end of anY 
 number of years not exceeding 100. 
 
 Years. 
 1 
 
 1 #" Cent. 
 
 li<^Cent. 
 
 2 ^ Cent. 
 
 21 ^ Cent. 
 
 3 f Cent.' 
 
 3i #• Cent. 
 
 .990099 
 
 .985222 
 
 .980392 
 
 .975610 
 
 .970874 
 
 .9661 8^ 
 
 2 
 
 .980296 
 
 .970662 
 
 .9(51169 
 
 .951814 
 
 .942596 
 
 .933511 
 
 3 
 
 .970590 
 
 .956317 
 
 .942322 
 
 .928599 
 
 .915142 
 
 .901943 
 
 4 
 
 .960980 
 
 .942184 
 
 .923845 
 
 .90595] 
 
 .888487 
 
 .871442 
 
 5 
 
 .951466 
 
 .928260 
 
 .905731 
 
 .883854 
 
 .862609 
 
 .841973 
 
 6 
 
 .942045 
 
 .914542 
 
 .887971 
 
 .862297 
 
 .837484 
 
 .813501 
 
 7 
 
 .932718 
 
 .901027 
 
 .870560 
 
 .841265 
 
 .813092 
 
 .785991 
 
 8 
 
 .923483 
 
 .887711 
 
 .853490 
 
 .820747 
 
 .789409 
 
 .759412 
 
 9 
 
 .914340 
 
 .874592 
 
 .836755 
 
 .800728 
 
 .766417 
 
 .733731 
 
 10 
 
 .905287 
 
 .861667 
 
 .820348 
 
 .781198 
 
 .744094 
 
 .708919 
 
 11 
 
 .896324 
 
 .848933 
 
 .804263 
 
 .762145 
 
 .722421 
 
 .684946 
 
 12 
 
 .887449 
 
 .836387 
 
 .788493 
 
 .743556 
 
 .701380 
 
 .661783 
 
 13 
 
 .878662 
 
 .824027 
 
 .773033 
 
 .725420 
 
 .680951 
 
 .639404 
 
 14 
 
 .869963 
 
 .811849 
 
 .757875 
 
 .707727 
 
 .061118 
 
 .617782 
 
 15 
 
 .861349 
 
 .799852 
 
 .743015 
 
 .690466 
 
 .641862 
 
 .596891 
 
 16 
 
 .852821 
 
 .788031 
 
 .728446 
 
 .673625 
 
 .623167 
 
 .576706 
 
 17 
 
 .844377 
 
 .776385 
 
 .714163 
 
 .657195 
 
 .605016 
 
 .557204 
 
 18 
 
 .836017 
 
 .764912 
 
 .700159 
 
 .641166 
 
 .587395 
 
 .538361 
 
 19 
 
 .827740 
 
 .753607 
 
 .686431 
 
 .625528 
 
 .570286 
 
 .520156 
 
 20 
 
 .819544 
 
 .742471 
 
 .672971 
 
 .610271 
 
 .553676 
 
 .502566 
 
 21 
 
 .811430 
 
 .731498 
 
 .659776 
 
 .595386 
 
 .537549 
 
 .485571 
 
 22 
 
 .803396 
 
 .720687 
 
 .646839 
 
 .580865 
 
 .521893 
 
 .469151 
 
 23 
 
 .795442 
 
 .710037 
 
 .634156 
 
 .566697 
 
 .506692 
 
 .453286 
 
 24 
 
 .787566 
 
 .699544 
 
 .621721 
 
 .552875 
 
 .491934 
 
 .437957 
 
 25 
 
 .779768 
 
 .689206 
 
 .609531 
 
 .539391 
 
 .477606 
 
 .423147 
 
 26 
 
 .772048 
 
 .679020 
 
 .597579 
 
 .526235 
 
 .463695 
 
 .408838 
 
 27 
 
 .764404 
 
 .668986 
 
 .585862 
 
 .513400 
 
 .450189 
 
 .395012 
 
 1 *-28 
 
 .756836 
 
 .659099 
 
 .574375 
 
 .500878 
 
 .437077 
 
 .381654 
 
 1 29 
 
 .749342 
 
 .649359 
 
 .563112 
 
 .488661 
 
 .424346 
 
 .368748 
 
 1 ^^ 
 
 .741923 
 
 .639762 
 
 .552071 
 
 .476743 
 
 .411987 
 
 .356278 
 
 1 31 
 
 .734577 
 
 .630308 
 
 .541246 
 
 .465115 
 
 .399987 
 
 .344230 
 
 1 32 
 
 .727304 
 
 .620994 
 
 .530633 
 
 .453771 
 
 .388337 
 
 .332590 
 
 1 33 
 
 .720103 
 
 .611816 
 
 .520229 
 
 .442703 
 
 .377026 
 
 .321343 
 
 34 
 
 .712973 
 
 .602774 
 
 .510028 
 
 .431905 
 
 .366045 
 
 .310476 
 
 35 
 
 .705914 
 
 .593866 
 
 .500028 
 
 .421371 
 
 .355383 
 
 .299977 
 
 36 
 
 .698925 
 
 .585090 
 
 .490223 
 
 .411094 
 
 .345032 
 
 .289833 
 
 37 
 
 .692005 
 
 .576443 
 
 .480611 
 
 .401067 
 
 .334983 
 
 .280032 
 
 38 
 
 .685153 
 
 .567924 
 
 .471187 
 
 .391285 
 
 .325226 
 
 .270562 
 
 39 
 
 .678370 
 
 .559531 
 
 .461948 
 
 .381741 
 
 .315754 
 
 .261413 
 
 40 
 
 .671653 
 
 .551262 
 
 .452890 
 
 .372431 
 
 .306557 
 
 .252572 
 
 41 
 
 .665003 
 
 .543116 
 
 .444010 
 
 .363347 
 
 .297628 
 
 '244031 
 
 42 
 
 .658419 
 
 .535089 
 
 .435304 
 
 .354485 
 
 .288959 
 
 •235779 
 
 43 
 
 .651900 
 
 .527182 
 
 .426769 
 
 .345839 
 
 .280543 
 
 •227806 
 
 44 
 
 .645445 
 
 .519391 
 
 .418401 
 
 .337404 
 
 .272372 
 
 •220102 
 
 45 
 
 .639055 
 
 .511715 
 
 .410197 
 
 .329174 
 
 .264439 
 
 •212659 
 
 46 
 
 .632728 
 
 .504153 
 
 •402154 
 
 •321146 
 
 .256737 
 
 .205468 
 
 47 
 
 .626463 
 
 .496702 
 
 .304268 
 
 •313-313 
 
 .249259 
 
 .198520 
 
 48 
 
 .620260 
 
 .489362 
 
 .386538 
 
 •305671 
 
 .241999 
 
 .191806 
 
 49 
 
 .614119 
 
 .482130 
 
 .378958 
 
 .298216 
 
 .234950 
 
 .185320 
 
 1 50 
 
 .608039 
 
 .475005 
 
 .371528 
 
 .290942 
 
 .228107 
 
 .179053 
 
TABXiS XX. 
 
 DEFERllED SUMS CERTAIN, 
 
 Showing the Present Value of £1 to be received at the end of any 
 
 number of years not exceeding 100. 
 
 Years. 
 1 
 
 4 #■ Cent. A 
 
 li #• Cent.i 
 
 5 ^ Cent. 
 
 6 W Cent. 
 
 7 W Cent. 
 
 8 W Cent. 
 
 .961538 
 
 .956938 
 
 .952381 
 
 .943396 
 
 .934579 
 
 .92.5926 
 
 2 
 
 .924556 
 
 .91573;) 
 
 .907029 
 
 .889996 
 
 .873439 
 
 .857339 
 
 3 
 
 .888996 
 
 .876297 
 
 .863838 
 
 .839619 
 
 .816298 
 
 .793832 
 
 4 
 
 .854804 
 
 .838561 
 
 .822702 
 
 .792094 
 
 .762895 
 
 .73.5030 
 
 5 
 
 .821927 
 
 .802451 
 
 .783526 
 
 .747258 
 
 .712986 
 
 .680583 
 
 G 
 
 .790315 
 
 .767896 
 
 .746215 
 
 .704961 
 
 .666342 
 
 .630170 
 
 7 
 
 .759918 
 
 .734828 
 
 .710081 
 
 .665057 
 
 .622750 
 
 .583490 
 
 8 
 
 .730690 
 
 .703185 
 
 .676839 
 
 .627412 
 
 .582009 
 
 .540209 
 
 9 
 
 .702587 
 
 .672904 
 
 .644609 
 
 .591898 
 
 .543934 
 
 ..500249 
 
 10 
 
 .675564 
 
 .643928 
 
 .613913 
 
 .558395 
 
 .508349 
 
 .463193 
 
 11 
 
 .649581 
 
 .616199 
 
 .584679 
 
 .526788 
 
 .475093 
 
 .428883 
 
 12 
 
 .624597 
 
 .589664 
 
 .556837 
 
 .496969 
 
 .444012 
 
 .397114 
 
 13 
 
 .600574 
 
 .564272 
 
 .530321 
 
 .468839 
 
 .414964 
 
 .367698 
 
 14 
 
 .577475 
 
 .539973 
 
 .505068 
 
 .442301 
 
 .387817 
 
 .340461 
 
 15 
 
 .555265 
 
 .516720 
 
 .481017 
 
 .417265 
 
 .362446 
 
 .315242 
 
 16 
 
 .533908 
 
 .494469 
 
 .458112 
 
 .393646 
 
 .338735 
 
 .291890 
 
 17 
 
 .513373 
 
 .473176 
 
 .436297 
 
 .371364 
 
 .316574 
 
 .270209 
 
 18 1 
 
 .493628 
 
 .452800 
 
 .415521 
 
 .350344 
 
 .295864 
 
 .250249 
 
 19 
 
 .474642 
 
 .433302 
 
 .395734 
 
 .330513 
 
 .276508 
 
 .231712 
 
 20 
 
 .456387 
 
 .414643 
 
 .376889 
 
 .311805 
 
 .258419 
 
 .214.548 
 
 21 
 
 .438834 
 
 .396787 
 
 .358942 
 
 .294155 
 
 .241513 
 
 .198656 
 
 22 
 
 .421955 
 
 .379701 
 
 .341850 
 
 .277505 
 
 .225713 
 
 .183941 
 
 23 
 
 .405726 
 
 363350 
 
 .325571 
 
 .261797 
 
 .210947 
 
 .170315 
 
 24 
 
 .390121 
 
 347703 
 
 .310068 
 
 .246979 
 
 .197147 
 
 .157699 
 
 25 
 
 .375117 
 
 .332731 
 
 .295303 
 
 .232999 
 
 .184249 
 
 .146018 
 
 26 
 
 .360689 
 
 •318402 
 
 .281241 
 
 .219810 
 
 .172195 
 
 .135202 
 
 27 
 
 .346817 
 
 .304691 
 
 .267848 
 
 .207368 
 
 .160930 
 
 .12.5187 
 
 28 
 
 .3.33477 
 
 .291571 
 
 .255094 
 
 .195630 
 
 .150402 
 
 .115914 
 
 29 
 
 .320651 
 
 .279015 
 
 .242946 
 
 .184557 
 
 .140563 
 
 .107328 
 
 30 
 
 .308319 
 
 .267000 
 
 .231377 
 
 .174110 
 
 .131367 
 
 .099377 
 
 31 
 
 .296460 
 
 .255502 
 
 .220359 
 
 .164255 
 
 .122773 
 
 .092016 
 
 32 
 
 .285058 
 
 .244500 
 
 .209866 
 
 .154957 
 
 .114741 
 
 .085200 
 
 33 
 
 .274094 
 
 .233971 
 
 .199873 
 
 .146186 
 
 .107235 
 
 .078889 
 
 tJKJ 
 
 34 
 
 .263552 
 
 ,223896 
 
 .190355 
 
 .137912 
 
 .100219 
 
 .07.3045 
 
 35 
 
 .253415 
 
 .214254 
 
 .181290 
 
 .130105 
 
 .093663 
 
 .067635 
 
 36 
 
 .243669 
 
 .205028 
 
 .172657 
 
 .122741 
 
 .087535 
 
 .062625 
 
 37 
 
 .234297 
 
 .196199 
 
 .164436 
 
 ,115793 
 
 .081809 
 
 .057986 
 
 tJ 9 
 
 38 
 
 .225285 
 
 .187750 
 
 .156605 
 
 .109239 
 
 .076457 
 
 .053690 
 
 39 
 
 .216621 
 
 .179665 
 
 .149148 
 
 .103056 
 
 .071455 
 
 .049713 
 
 40 
 
 .208289 
 
 .171929 
 
 .142046 
 
 .097222 
 
 .066780 
 
 .046031 
 
 1 
 
 41 
 
 .200278 
 
 .164525 
 
 .135282 
 
 .091719 
 
 .062412 
 
 .042621 
 
 42 
 
 .192.575 
 
 .157440 
 
 .128840 
 
 .086527 
 
 .058329 
 
 .039464 
 
 43 
 
 .185168 
 
 .150661 
 
 .122704 
 
 .081630 
 
 .054513 
 
 .036541 
 
 44 
 
 .178046 
 
 .144173 
 
 .116861 
 
 .077009 
 
 .050946 
 
 .033834 
 
 45 
 
 .171198 
 
 .137964 
 
 .111297 
 
 .072650 
 
 1 .047613 
 
 .031328 
 
 4fi 
 
 .164614 
 
 .132023 
 
 .105997 
 
 .068538 
 
 .044499 
 
 i .029007 
 
 47 
 48 
 49 
 50 
 
 .158283 
 
 .126338 
 
 .100949 
 
 .064658 
 
 .041587 
 
 1 .026859 
 
 .1.52195 
 
 .120898 
 
 .096142 
 
 .060998 
 
 .038867 
 
 1 .024869 
 
 .146341 
 
 .115692 
 
 .091564 
 
 .057546 
 
 .036324 
 
 ! .023027 
 
 .140713 
 
 .110710 
 
 .087204 
 
 .054288 
 
 ' .033948 
 
 .021321 
 
TABX.X: xz. 
 
 DEFERRED SUMS CERTAIN, 
 
 Showing the Present Value of £1 to be received at the end of any 
 number of years not exceeding 100. 
 
 Years. 
 
 1 #* Cent. 
 
 l^c^Cent. 
 
 2#^Cent. 1 
 
 2^ ^ Cent. 
 
 1 
 3 W Cent. 
 
 3i W Cent 
 
 51 
 
 ,602019 
 
 .467985 
 
 .364243 
 
 .283846 
 
 .221463 
 
 .172998 
 
 52 
 
 .596058 
 
 .461069 
 
 .357101 
 
 .276923 
 
 .215013 
 
 .167148 
 
 53 
 
 .590156 
 
 .454255 
 
 .350099 
 
 .270169 
 
 .208750 
 
 .16149C 
 
 54 
 
 .584313 
 
 .447542 
 
 .343234 
 
 .263579 
 
 .202670 
 
 .156035 
 
 55 
 
 .578528 
 
 .440928 
 
 .336504 
 
 .257151 
 
 .196767 
 
 .150758 
 
 56 
 
 .572800 
 
 .434412 
 
 .329906 
 
 .250879 
 
 .191036 
 
 .145660 
 
 57 
 
 .567129 
 
 .427992 
 
 .323437 
 
 .244760 
 
 .185472 
 
 .140734 
 
 58 
 
 .561514 
 
 .421661 
 
 .317095 
 
 .238790 
 
 .180070 
 
 .135975 
 
 59 
 
 .555954 
 
 .415435 
 
 .310878 
 
 .232966 
 
 .174825 
 
 .131377 
 
 60 
 
 .550450 
 
 .409296 
 
 .304782 
 
 .227284 
 
 .169733 
 
 .126934 
 
 61 
 
 .545000 
 
 .403247 
 
 .298806 
 
 .221740 
 
 .164789 
 
 .122642 
 
 62 
 
 .539604 
 
 .397288 
 
 .292947 
 
 .216332 
 
 .159990 
 
 .118495 
 
 63 
 
 .534261 
 
 .391417 
 
 .287203 
 
 .211055 
 
 .155330 
 
 .114487 
 
 64 
 
 .528971 
 
 .385632 
 
 .281572 
 
 .205908 
 
 .150806 
 
 .110616 
 
 65 
 
 .523734 
 
 .379933 
 
 .276051 
 
 .200886 
 
 .146413 
 
 .106875 
 
 66 
 
 .518548 
 
 .374318 
 
 .270638 
 
 .195986 
 
 .142149 
 
 .103261 
 
 67 
 
 .513414 
 
 .368787 
 
 .265331 
 
 .191206 
 
 .138009 
 
 .099769 
 
 68 
 
 .508331 
 
 .363337 
 
 .260129 
 
 .186542 
 
 .133989 
 
 .096395 
 
 69 
 
 .503298 
 
 .357967 
 
 .255028 
 
 .181992 
 
 .130086 
 
 .093136 
 
 70 
 
 .498315 
 
 .352677 
 
 .250028 
 
 .177554 
 
 .126297 
 
 .089986 
 
 71 
 
 .493381 
 
 .347465 
 
 .245125 
 
 .173223 
 
 .122619 
 
 .086943 
 
 72 
 
 .488496 
 
 .342330 
 
 .240319 
 
 .168998 
 
 .119047 
 
 .084003 
 
 73 
 
 .483659 
 
 .337271 
 
 .235607 
 
 .164876 
 
 .115580 
 
 .081162 
 
 74 
 
 .478871 
 
 .332287 
 
 .230987 
 
 .160855 
 
 .112214 
 
 .078418 
 
 75 
 
 .474130 
 
 .327376 
 
 .226458 
 
 .156931 
 
 .108945 
 
 .075766 
 
 76 
 
 .469435 
 
 .322538 
 
 .222017 
 
 .153104 
 
 .105772 
 
 .073204 
 
 77 
 
 .464787 
 
 .317771 
 
 .217664 
 
 .149370 
 
 .102691 
 
 .070728 
 
 78 
 
 .460185 
 
 .313075 
 
 .213396 
 
 .145726 
 
 .099700 
 
 .068337 
 
 79 
 
 .455629 
 
 .308449 
 
 .209212 
 
 .142172 
 
 .096796 
 
 .066026 
 
 80 
 
 .451118 
 
 .303890 
 
 .205110 
 
 .138705 
 
 .093977 
 
 .063793 
 
 81 
 
 .446651 
 
 .299399 
 
 .201088 
 
 .135322 
 
 .091240 
 
 .061636 
 
 82 
 
 .442229 
 
 .294975 
 
 .197145 
 
 .132021 
 
 .088582 
 
 .059551 
 
 83 
 
 .437851 
 
 .290616 
 
 .193279 
 
 .128801 
 
 .086002 
 
 .057538 
 
 84 
 
 .433516 
 
 .286321 
 
 .189490 
 
 .125659 
 
 .083497 
 
 .055592 
 
 85 
 
 .429223 
 
 .282089 
 
 .185774 
 
 .122595 
 
 .081065 
 
 .053712 
 
 86 
 
 .424973 
 
 .277920 
 
 .182132 
 
 .119605 
 
 .078704 
 
 .051896 
 
 87 
 
 .420766 
 
 .273813 
 
 .178560 
 
 .116687 
 
 .076412 
 
 .050141 
 
 88 
 
 .416600 
 
 .269767 
 
 .175059 
 
 .113841 
 
 .074186 
 
 .048445 
 
 89 
 
 .412475 
 
 .265780 
 
 .171627 
 
 .111065 
 
 .072026 
 
 .046807 
 
 90 
 
 .408391 
 
 .261852 
 
 .168261 
 
 .108356 
 
 .069928 
 
 .045224 
 
 91 
 
 .404348 
 
 .257983 
 
 .164962 
 
 .105713 
 
 .067891 
 
 .043695 
 
 92 
 
 .400344 
 
 .254170 
 
 .161728 
 
 .103135 
 
 .065914 
 
 .042217 
 
 93 
 
 .396380 
 
 .250414 
 
 .158556 
 
 .100619 
 
 .063994 
 
 .040789 
 
 94 
 
 .392456 
 
 .246713 
 
 .155448 
 
 .098165 
 
 .062130 
 
 .039410 
 
 95 
 
 .388570 
 
 .243067 
 
 .152400 
 
 .095771 
 
 .060320 
 
 .038077 
 
 96 
 
 .384723 
 
 .239475 
 
 .149411 
 
 .093435 
 
 .058563 
 
 .036790 
 
 97 
 
 .380914 
 
 .235936 
 
 .146482 
 
 .091156 
 
 .056858 
 
 .035546 
 
 98 
 
 .377142 
 
 .232449 
 
 .143610 
 
 .088933 
 
 .055202 
 
 .034344 
 
 99 
 
 .373408 
 
 .229014 
 
 .140794 
 
 .086764 
 
 .053594 
 
 .033182 
 
 100 
 
 .369711 
 
 .225629 
 
 .138033 
 
 .084647 
 
 .052033 
 
 .032060 
 
TABXaS ZZ. 
 
 DEFERRED SUMS CERTAIN, 
 
 Showing the Present Value of £1 to be received at the end of any 
 number of years not exceeding 100. 
 
 Years. 
 
 4^ Cent. 
 
 4i ^ Ceut. 
 
 5 #* Cent. 
 
 6 ^ Cent. 
 
 7 ^ Cent. 
 
 8 ^ Cent. 
 
 51 
 
 .135301 
 
 .105942 
 
 .083051 
 
 .051215 
 
 .031727 
 
 .019742 
 
 52 
 
 .130097 
 
 .101380 
 
 .079096 
 
 .048316 
 
 .029651 
 
 .018280 
 
 53 
 
 .125093 
 
 .097014 
 
 .075330 
 
 .045582 
 
 .027711 
 
 .016925 
 
 54 
 
 .120282 
 
 .092837 
 
 .071743 
 
 .043001 
 
 .025899 
 
 .015672 
 
 55 
 
 .115656 
 
 .088839 
 
 .068326 
 
 .040567 
 
 .024204 
 
 .014511 
 
 56 
 
 .111207 
 
 .085013 
 
 .065073 
 
 .038271 
 
 .022621 
 
 .013436 
 
 57 
 
 .106930 
 
 .081353 
 
 .061974 
 
 .036105 
 
 .021141 
 
 .012441 
 
 58 
 
 .102817 
 
 .077849 
 
 .059023 
 
 .034061 
 
 .019758 
 
 .011519 
 
 59 
 
 .098863 
 
 .074497 
 
 .056212 
 
 .032133 
 
 .018465 
 
 .010666 
 
 60 
 
 .095060 
 
 .071289 
 
 .053536 
 
 .030314 
 
 .017257 
 
 .009876 
 
 61 
 
 .091404 
 
 .068219 
 
 .050986 
 
 .028598 
 
 .016128 
 
 .009144 
 
 62 
 
 .087889 
 
 .065281 
 
 .048558 
 
 .026980 
 
 .015073 
 
 .008467 
 
 63 
 
 .084508 
 
 .062470 
 
 .046246 
 
 .025453 
 
 .014087 
 
 .007840 
 
 64 
 
 .081258 
 
 .059780 
 
 .044044 
 
 .024012 
 
 .013166 
 
 .007259 
 
 65 
 
 .078133 
 
 .057206 
 
 .041946 
 
 .022653 
 
 .012304 
 
 .006721 
 
 66 
 
 .075128 
 
 .054743 
 
 .039949 
 
 .021370 
 
 .011499 
 
 .006223 
 
 67 
 
 .072238 
 
 .052385 
 
 .038047 
 
 .020161 
 
 .010747 
 
 .005762 
 
 68 
 
 .069460 
 
 .050129 
 
 .036235 
 
 .019020 
 
 .010044 
 
 .005336 
 
 69 
 
 .066788 
 
 .047971 
 
 .034509 
 
 .017943 
 
 .009387 
 
 .004940 
 
 70 
 
 .064219 
 
 .045905 
 
 .032866 
 
 .016927 
 
 .008773 
 
 .004574 
 
 71 
 
 .061749 
 
 .043928 
 
 .031301 
 
 .015969 
 
 .008199 
 
 .004236 
 
 72 
 
 .059374 
 
 .042037 
 
 .029811 
 
 .015065 
 
 .007662 
 
 .003922 
 
 73 
 
 .057091 
 
 .040226 
 
 .028391 
 
 .014213 
 
 .007161 
 
 .003631 
 
 74 
 
 .054895 
 
 .038494 
 
 .027039 
 
 .013408 
 
 .006693 
 
 .003362 
 
 75 
 
 .052784 
 
 .036836 
 
 .025752 
 
 .012649 
 
 .006255 
 
 .003113 
 
 76 
 
 .050754 
 
 .035250 
 
 .024525 
 
 .011933 
 
 .005846 
 
 .002883 
 
 77 
 
 .048801 
 
 .033732 
 
 .023357 
 
 .011258 
 
 .005463 
 
 .002669 
 
 78 
 
 .046924 
 
 .032280 
 
 .022245 
 
 .010620 
 
 .005106 
 
 .002471 
 
 79 
 
 .045120 
 
 .030890 
 
 .021186 
 
 .010019 
 
 .004772 
 
 .002288 
 
 80 
 
 .043384 
 
 .029559 
 
 .020177 
 
 .009452 
 
 .004460 
 
 .002119 
 
 81 
 
 .041716 
 
 .028287 
 
 .019216 
 
 .008917 
 
 .004168 
 
 .001962 
 
 82 
 
 .040111 
 
 .027069 
 
 .018301 
 
 .008412 
 
 .003895 
 
 .001817 
 
 83 
 
 .038569 
 
 .025903 
 
 .017430 
 
 .007936 
 
 .003640 
 
 .001682 
 
 84 
 
 .037085 
 
 .024787 
 
 .016600 
 
 .007487 
 
 .003402 
 
 .001557 
 
 85 
 
 .035659 
 
 .023720 
 
 .015809 
 
 .007063 
 
 .003180 
 
 .001442 
 
 86 
 
 .034287 
 
 .022699 
 
 .015056 
 
 .006663 
 
 .002972 
 
 .001335 
 
 87 
 
 .032969 
 
 .021721 
 
 .014339 
 
 .006286 
 
 .002777 
 
 .001236 
 
 88 
 
 .031701 
 
 .020786 
 
 .013657 
 
 .005930 
 
 .002596 
 
 .00114.5 
 
 89 
 
 .030481 
 
 .019891 
 
 .013006 
 
 .005595 
 
 .002426 
 
 .001060 
 
 90 
 
 .029309 
 
 .019034 
 
 .012387 
 
 .005278 
 
 .002267 
 
 .000981 
 
 91 
 
 .028182 
 
 .018215 
 
 .011797 
 
 .004979 
 
 .002119 
 
 .000909 
 
 92 
 
 .027098 
 
 .017430 
 
 .011235 
 
 .004697 
 
 .001980 
 
 .000841 
 
 93 
 
 .026056 
 
 .016680 
 
 .010700 
 
 .004432 
 
 .001851 
 
 .000779 
 
 94 
 
 .025053 
 
 .015961 
 
 .010191 
 
 .004181 
 
 .001730 
 
 .000721 
 
 95 
 
 .024090 
 
 .015274 
 
 .009705 
 
 .003944 
 
 .001616 
 
 .000668 
 
 96 
 
 .023163 
 
 .014616 
 
 .009243 
 
 .003721 
 
 .001511 
 
 .000618 
 
 97 
 
 .022272 
 
 .013987 
 
 .008803 
 
 .003510 
 
 .001412 
 
 .000573 
 
 98 
 
 .021416 
 
 .013385 
 
 .008384 
 
 .003312 
 
 .001319 
 
 .000530 
 
 99 
 
 .020592 
 
 .012808 
 
 .007985 
 
 .003124 
 
 .001233 
 
 .000491 
 
 100 
 
 .019800 
 
 .012257 
 
 .007604 
 
 .002947 
 
 .001152 
 
 .000455 
 
TABX.E XZZ. 
 
 ANNUITIES CERTAIN-AMOUNTS, 
 
 Showing the Amount of £1 per Annum forborn and improved for 
 any number of years not exceeding 100. 
 
 Years. 
 
 1 
 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 
 35 
 
 36 
 37 
 38 
 39 
 40 
 
 41 
 42 
 43 
 44 
 
 45 
 
 46 
 47 
 48 
 49 
 50 
 
 1 W Cent. 
 
 Cent, 
 
 2 #" Cent, 121 ^ Cent. 3 <f Cent. 3^ f Cent 
 
 1.000000 
 2.010000 
 3.030100 
 4.060401 
 5.101005 
 
 6.152015 
 7.213535 
 8.285670 
 9.368526 
 10.462211 
 
 11.566833 
 12.682501 
 13.809326 
 14.947419 
 16.096893 
 
 17.257862 
 18.430441 
 19.614746 
 20.810894 
 22.019003 
 
 23.239193 
 24.471585 
 25.716301 
 
 26.973464 
 28.243199 
 
 29.525631 
 
 30.820887 
 32.129096 
 33.450387 
 34.784891 
 
 36.132740 
 37.494067 
 38.869007 
 40.257696 
 41.660272 
 
 43.076874 
 44.507642 
 45.952718 
 47.412245 
 
 48.886307 
 
 50.375230 
 51.878982 
 53.397772 
 54.931750 
 5G.481068 
 
 58.045879 
 59.626338 
 61.222602 
 62.834829 
 64.463178 
 
 1 .000000 
 2.015000 
 3.045225 
 4.090903 
 5.152266 
 
 6.229550 
 7.322994 
 8.432839 
 9.559331 
 10.702720 
 
 11.863260 
 13.041208 
 14.236824 
 15.450374 
 16.682128 
 
 17.932359 
 19.201343 
 20.489362 
 21.796701 
 23.123640 
 
 24.470500 
 25.837555 
 27.225117 
 28.633493 
 30.062995 
 
 i 31.513940 
 32.986649 
 34.481449 
 35.998671 
 37.538651 
 
 39.101731 
 
 40.688258 
 42.298582 
 43.933061 
 45.592058 
 
 47.275940 
 48.985081 
 50.719858 
 52.480657 
 54.267868 
 
 56.081887 
 57.923116 
 59.791963 
 61.688842 
 63.614175 
 
 65.568387 
 67.551912 
 69.565189 
 71.608666 
 73.682795 
 
 1.000000 
 2.020000 
 3.060400 
 4.121608 
 5.204040 
 
 6.308121 
 7.434283 
 8.582969 
 9.754628 
 10.949721 
 
 12.168715 
 13.412090 
 14.680332 
 15.973938 
 17.293417 
 
 18.639285 
 20.012071 
 21.412312 
 22.840559 
 24.297370 
 
 25.783317 
 27.298984 
 28.844963 
 30.421862 
 32.030300 
 
 33.670906 
 35.344324 
 37.051210 
 38.792235 
 40.568079 
 
 42.379441 
 44.227030 
 46.111570 
 48.033802 
 49.994478 
 
 51.994367 
 54.034255 
 56.114940 
 
 58.237238 
 60.401983 
 
 62.610023 
 64.862223 
 67.159468 
 69.502657 
 71.892710 
 
 74.330564 
 76.817176 
 79.353519 
 81.940590 
 84.579401 
 
 1.000000 
 2.025000 
 3.075625 
 4.152516 
 5.256329 
 
 6.387737 
 7.547430 
 8.736116 
 9.954519 
 11.203382 
 
 12.483466 
 13.795553 
 15.140442 
 16.518953 
 17.931927 
 
 19.380225 
 20.864730 
 22.386349 
 23.946007 
 25.544658 
 
 27.183274 
 28.862856 
 30.584427 
 32.349038 
 34.157764 
 
 36.011708 
 37.912001 
 39.859801 
 41.856296 
 43.902703 
 
 46.000271 
 48.150278 
 50.354034 
 52.612885 
 54.928207 
 
 57.301413 
 59.733948 
 62.227297 
 64.782979 
 67.402554 
 
 70.087617 
 72.839808 
 75.660803 
 78.552323 
 81.516131 
 
 84.554034 
 87.667885 
 90.859582 
 94.131072 
 97.484349 
 
 1.000000 
 2.030000 
 3.090900 
 4.183627 
 5.309136 
 
 6.468410 
 
 7.662462 
 
 8.892336 
 
 10.159106 
 
 11.463879 
 
 12.807796 
 14.192030 
 15.617790 
 17.086324 
 18.598914 
 
 20.156881 
 21.761588 
 23.414435 
 25.116868 
 26.870374 
 
 28.676486 
 30.536780 
 32.452884 
 34.426470 
 36.459264 
 
 38.553042 
 [40.709634 
 142.930923 
 4.5.218850 
 47.575416 
 
 50.002678 
 52.502759 
 55.077841 
 57.730177 
 60.462082 
 
 63.275944 
 66.174223 
 69.159449 
 72.234233 
 75.401260 
 
 78.663298 
 82.023196 
 85.483892 
 89.048409 
 92.719861 
 
 96.501457 
 100.39650 
 104.40840 
 108.54065 
 112.79687 
 
 1.000000 
 2.035000 
 3.106225 
 4.214943 
 5.362466 
 
 6.550152 
 
 7.779408 
 
 9.051687 
 
 10.368496 
 
 11.731393 
 
 13.141992 
 14.601962 
 16.1130.30 
 17.676986 
 19.295681 
 
 20.971030 
 22.705016 
 24.499691 
 26.357181 
 
 28.279682 
 
 30.269471 
 32.328902 
 34.460414 
 36.666528 
 
 38.949857 
 
 41.313102 
 43.759060 
 46.290627 
 48.910799 
 51.622677 
 
 54.429471 
 57.334.502 
 60.341210 
 63.453152 
 66.674013 
 
 70.007603 
 73.457869 
 77.028895 
 80.724906 
 84.550278 
 
 88.509537 
 92.607371 
 96.848629 
 101.23833 
 105.78167 
 
 110.48403 
 115.35097 
 120.38826 
 125.60185 
 130.99791 
 
TABXiS ZIZ. 
 
 ANNUITIES CERTAIN— AMOUNTS, 
 
 Showing the Amount of i'l per Annum forborn and improved for 
 any number of years not exceeding 100. 
 
 Years. 
 
 4 ^ Cent. 
 
 4^ f Cent. 
 
 S^-Cent. 
 
 6^ Cent. 
 
 7 #" Cent. 
 
 8 ^ Cent. 
 
 1 
 
 1.000000 
 
 1.000000 
 
 1.000000 
 
 1.000000 
 
 1.000000 
 
 1 .000000 
 
 2 
 
 2.040000 
 
 2.045000 
 
 2.050000 
 
 2.060000 
 
 2.070000 
 
 2.080000 
 
 3 
 
 3.121000 
 
 3.137025 
 
 3.152500 
 
 3.183600 
 
 3.214900 
 
 3.246400 
 
 4 
 
 4.246464 
 
 4.278191 
 
 4.310125 
 
 4.374016 
 
 4.439943 
 
 4.506112 
 
 5 
 
 5.416323 
 
 5.470710 
 
 5.525631 
 
 5.G37093 
 
 5.750739 
 
 5.866601 
 
 G 
 
 6.632975 
 
 6.716892 
 
 6.801913 
 
 C.975319 
 
 7.153291 
 
 7.335929 
 
 7 
 
 7.898294 
 
 8.019152 
 
 8.142008 
 
 8.393838 
 
 8.654021 
 
 8.922803 
 
 8 
 
 9.214226 
 
 9.380014 
 
 9.549109 
 
 9.897468 
 
 10.259803 
 
 10.636628 
 
 9 
 
 10.582795 
 
 10.802114 
 
 11.0265f)4 
 
 11.491316 
 
 11.977989 
 
 12.487558 
 
 10 
 
 12.006107 
 
 12.288209 
 
 12.577893 
 
 13.180795 
 
 13.816448 
 
 14.486562 
 
 11 
 
 13.486351 
 
 13.841179 
 
 14.206787 
 
 14.971643 
 
 15.783599 
 
 16.645487 
 
 12 
 
 15.025805 
 
 15.464032 
 
 15.917127 
 
 16.869941 
 
 17.888451 
 
 18.977126 
 
 13 
 
 16.626838 
 
 17.159913 
 
 17.712983 
 
 18.882138 
 
 20.140643 
 
 21.495297 
 
 14 
 
 18.291911 
 
 18.932109 
 
 19.598632 
 
 21.015066 
 
 22.550488 
 
 24.214920 
 
 15 
 
 20.023588 
 
 20.784054 
 
 21.578564 
 
 23.275970 
 
 25.129022 
 
 27.152114 
 
 16 
 
 21.824531 
 
 22.719337 
 
 23.657492 
 
 25.672528 
 
 27.888054 
 
 30.324283 
 
 17 
 
 23.697512 
 
 24.741707 
 
 25.840366 
 
 28.212880 
 
 30.840217 
 
 33.750226 
 
 18 
 
 25.645413 
 
 26.855084 
 
 28.132385 
 
 30.905653 
 
 33.999033 
 
 37.450244 
 
 19 
 
 27.671229 
 
 29.063562 
 
 30.539004 
 
 33.759992 
 
 37.378965 
 
 41.446263 
 
 20 
 
 29.778079 
 
 31.371423 
 
 33.065954 
 
 36.785591 
 
 40.995492 
 
 45.761964 
 
 21 
 
 31.969202 
 
 33.783137 
 
 35.719252 
 
 39.992727 
 
 44.865177 
 
 50.422921 
 
 22 
 
 34.247970 
 
 36.303378 
 
 38.505214 
 
 43.392290 
 
 49.005739 
 
 55.456755 
 
 23 
 
 36.617889 
 
 38.937030 41.430475 
 
 46.995828 
 
 53.436141 
 
 60.893296 
 
 24 
 
 39.082604 
 
 41.689196144.501999 
 
 50.815577 
 
 58.176671 
 
 66.764759 
 
 25 
 
 41.645908 
 
 44.565210 
 
 47.727099 
 
 54.864512 
 
 63.249038 
 
 73.105940 
 
 26 
 
 44.311745 
 
 47.570645 
 
 51.113454 
 
 59.156383 
 
 68.676470 
 
 79.954415 
 
 27 
 
 47.084214 
 
 50.711324 
 
 54.669126 
 
 63.705766 
 
 74.483823 
 
 87.350768 
 
 28 
 
 49.967583 ' 
 
 53.993333 
 
 58.402583 
 
 68.528112 
 
 80.697691 
 
 95.338830 
 
 29 
 
 52.966286 
 
 57.423033 
 
 62.322712 
 
 73.639798 
 
 87.346529 
 
 103.96594 
 
 30 
 
 56.084938 
 
 61.007070 
 
 66.438848 
 
 79.058186 
 
 94.460786 
 
 113.28321 
 
 31 
 
 59.328335 
 
 64.752388 
 
 70.760790 
 
 84.801677 
 
 102.07304 
 
 123.34587 
 
 32 
 
 62.701469 
 
 68.666245 
 
 75.298829 
 
 90.889778 
 
 110.21815 
 
 134.21354 
 
 33 
 
 66.209527 
 
 72.756226 80.063771 
 
 97.343165 
 
 118.93343 
 
 145.95062 
 
 34 
 
 69.857909 
 
 77.030256 : 85.066959 
 
 104.18376 
 
 128.25877 
 
 158.62667 
 
 35 
 
 73.652225 
 
 81.496618! 90.320307 
 
 111.43478 
 
 138.23688 
 
 172.31680 
 
 36 
 
 77.598314 
 
 86.163966 
 
 95.836323 
 
 119.12087 
 
 148.91346 
 
 187.10215 
 
 37 
 
 81.702246 
 
 91.041344 
 
 101.62814 
 
 127.26812 
 
 160.33740 
 
 203.07032 
 
 38 
 
 85.970336 
 
 96.138205 
 
 107.70955 
 
 135.90421 
 
 172.56102 
 
 220.31595 
 
 39 
 
 90.409150 
 
 101.46442 
 
 114.09502 
 
 145.05846 
 
 185.64029 
 
 2.38.94122 
 
 40 
 
 95.025516 
 
 107.03032 
 
 120.79977 
 
 154.76197 
 
 199.63511 
 
 259.05652 
 
 41 
 
 99.826536 
 
 112.84669 
 
 127.83976 
 
 165.04768 
 
 214.60957 
 
 280.78104 
 
 42 
 
 104.81960 
 
 118.92479 
 
 135.23175 
 
 175.95055 
 
 230.63224 
 
 304.24352 
 
 43 
 
 110.01238 
 
 125.27640 
 
 142.99334 
 
 187.50758 
 
 247.77650 
 
 329.58301 
 
 44 
 
 115.41288 
 
 131.91384 
 
 151.14301 
 
 199.75803 
 
 266.12085 
 
 356.9496.5 
 
 45 
 
 121.02939 
 
 138.84997 
 
 159.70016 
 
 212.74351 
 
 285.74931 
 
 386.50562 
 
 46 
 
 126.87057 
 
 146.09821 
 
 168.68516 
 
 226.50812 
 
 306.75176 
 
 418.42607 
 
 47 
 
 132.94539 
 
 153.07263 
 
 178.11942 
 
 241.09861 
 
 329.22439 
 
 452.90015 
 
 48 
 
 139.26321 
 
 161.58790 
 
 188.02539 
 
 256.56453 
 
 353.27009 
 
 490.13216 
 
 49 
 
 145.83373 
 
 169.85936 
 
 198.42066 
 
 272.95840 
 
 378.99900 
 
 530.34274 
 
 50 
 
 152.66708 
 
 178.50303 '209.34800 
 
 290.33590 
 
 406.52893 
 
 573.77016 
 
 c z 
 
TABZiS III. 
 
 , ANNUITIES CERTAIN— AMOUNTS, 
 
 Showing the Amount of £1 per Annum forborn and improved for 
 any number of years not exceeding 100. 
 
 Years. 
 51 
 
 1 ^ Cent. 
 
 lic^Cent. 
 
 2 ^ Cent. 
 
 2i ^ Cent. 
 
 3 W Cent. 
 
 3i ^ Cent. 
 
 66.107810 
 
 75.788035 
 
 87.270989 
 
 100.92146 
 
 117.18077 
 
 136.58284 
 
 52 
 
 67.768888 
 
 77.924853 
 
 90.016409 
 
 104.44449 
 
 121.69620 
 
 142.36324 
 
 53 
 
 69.446577 
 
 80.093723 
 
 92.816737 
 
 108.05561 
 
 126.34708 
 
 148.34595 
 
 54 
 
 71.141043 
 
 82.295127 
 
 95.673072 
 
 111.75700 
 
 131.13749 
 
 154.53806 
 
 55 
 
 72.852454 
 
 84.529552 
 
 98.586534 
 
 115.55092 
 
 136.07162 
 
 160.94689 
 
 56 
 
 74.580979 
 
 86.797498 
 
 101.55826 
 
 119.43969 
 
 141.15377 
 
 167.58003 
 
 57 
 
 76.326789 
 
 89.099462 
 
 104.58943 
 
 123.42569 
 
 146.38838 
 
 174.44533 
 
 58 
 
 78.090057 
 
 91.435956 
 
 107.68122 
 
 127.51133 
 
 151.78003 
 
 181.55092 
 
 69 
 
 79.870958 
 
 93.807497 
 
 110.83484 
 
 131.69911 
 
 157.33343 
 
 188.90520 
 
 60 
 
 81.669668 
 
 96.214611 
 
 114.05154 
 
 135.99159 
 
 163.05344 
 
 196.51688 
 
 61 
 
 83.486365 
 
 98.657831 
 
 117.33257 
 
 140.39138 
 
 168.94504 
 
 204.39497 
 
 62 
 
 85.321229 
 
 101.13770 
 
 120.67922 
 
 144.90116 
 
 175.01339 
 
 212.54880 
 
 63 
 
 87.174442 
 
 103.65477 
 
 124.09281 
 
 149.52369 
 
 181.26379 
 
 220.98801 
 
 64 
 
 89.046187 
 
 106.20959 
 
 127.57466 
 
 154.26179 
 
 187.70171 
 
 229.72259 
 
 65 
 
 90.936649 
 
 108.80273 
 
 131.12616 
 
 159.11833 
 
 194.33276 
 
 238.76288 
 
 66 
 
 92.846016 
 
 111.43478 
 
 134.74868 
 
 164.09629 
 
 201.16274 
 
 248.11958 
 
 67 
 
 94.774477 
 
 114.10630 
 
 138.44365 
 
 169.19870 
 
 208.19762 
 
 257.80376 
 
 68 
 
 96.722223 
 
 116.81789 
 
 142.21253 
 
 174.42866 
 
 215.44355 
 
 267.82689 
 
 69 
 
 98.689446 
 
 119.57016 
 
 146.05678 
 
 179.78938 
 
 222.90686 
 
 278.20084 
 
 70 
 
 100.67634 
 
 122.36371 
 
 149.97791 
 
 185.28411 
 
 230.59406 
 
 288.93786 
 
 71 
 
 102.68311 
 
 125.19916 
 
 153.97747 
 
 190.91622 
 
 238.51189 
 
 300.05069 
 
 72 
 
 104.70994 
 
 128.07715 
 
 158.05702 
 
 196.68912 
 
 246.66724 
 
 311.55246 
 
 73 
 
 106.75704 
 
 130.99831 
 
 162.21816 
 
 202.60635 
 
 255.06726 
 
 323.45680 
 
 74 
 
 108.82461 
 
 133.96328 
 
 166.46252 
 
 208.67151 
 
 263.71928 
 
 335.77779 
 
 75 
 
 110.91286 
 
 136.97273 
 
 170.79177 
 
 214.88830 
 
 272.63086 
 
 348.53001 
 
 76 
 
 113.02198 
 
 140.02732 
 
 175.20761 
 
 221.26050 
 
 281.80978 
 
 361.72856 
 
 77 
 
 115.15220 
 
 143.12773 
 
 179.71176 
 
 227.79202 
 
 291.26407 
 
 375.38906 
 
 78 
 
 117.30373 
 
 146.27464 
 
 184.30600 
 
 234.48682 
 
 301.00200 
 
 389.52768 
 
 79 
 
 119.47676 
 
 149.46876 
 
 188.99212 
 
 241.34899 
 
 311.03206 
 
 404.16115 
 
 80 
 
 121.67153 
 
 152.71079 
 
 193.77196 
 
 248.38271 
 
 321.36302 
 
 419.30679 
 
 81 
 
 123.88825 
 
 156.00145 
 
 198.64740 
 
 255.59228 
 
 332.00391 
 
 434.98252 
 
 82 
 
 126.12713 
 
 159.34147 
 
 203.62034 
 
 262.98209 
 
 342.96403 
 
 451.20691 
 
 83 
 
 128.38840 
 
 162.73159 
 
 208.69275 
 
 270.55664 
 
 354.25295 
 
 467.99915 
 
 84 
 
 130.67228 
 
 166.17256 
 
 213.86661 
 
 278.32056 
 
 365.88054 
 
 485.37913 
 
 85 
 
 132.97901 
 
 169.66514 
 
 219.14394 
 
 286.27857 
 
 377.85695 
 
 503.36739 
 
 86 
 
 135.30880 
 
 173.21012 
 
 224.52682 
 
 294.43553 
 
 390.19266 
 
 521.98525 
 
 87 
 
 137.66188 
 
 176.80827 
 
 230.01735 
 
 302.79642 
 
 402.89844 
 
 541.25474 
 
 88 
 
 140.03850 
 
 180.46039 
 
 235.61770 
 
 311.36633 
 
 415.98539 
 
 561.19865 
 
 89 
 
 142.43889 
 
 184.16730 
 
 241.33006 
 
 320.15049 
 
 429.46496 
 
 581.84061 
 
 90 
 
 144.86328 
 
 187.92980 
 
 247.15666 
 
 329.15425 
 
 443.34890 
 
 603.20503 
 
 91 
 
 147.31191 
 
 191.74875 
 
 253.09979 
 
 338.38311 
 
 457.64937 
 
 625.31720 
 
 92 
 
 149.78503 
 
 195.62498 
 
 259.16179 
 
 347.84269 
 
 472.37885 
 
 648.20331 
 
 93 
 
 152.28288 
 
 199.55936 
 
 265.34502 
 
 357.53875 
 
 487.55022 
 
 671.89042 
 
 94 
 
 154.80571 
 
 203.55275 
 
 271.65192 
 
 367.47722 
 
 503.17672 
 
 696.40659 
 
 95 
 
 157.35376 
 
 207.60604 
 
 278.08496 
 
 377.66415 
 
 519.27203 
 
 721.78082 
 
 96 
 
 159.92730 
 
 211.72013 
 
 284.64666 
 
 388.10576 
 
 535.85019 
 
 748.04314 
 
 97 
 
 162.52657 
 
 215.89593 
 
 291.33959 
 
 398.80840 
 
 552.92569 
 
 775.22465 
 
 98 
 
 165.15184 
 
 220.13436 
 
 298.16638 
 
 409.77861 
 
 570.51346 
 
 803.35752 
 
 99 
 
 167.80335 
 
 224.43638 
 
 305.12971 
 
 421.02308 
 
 588.62887 
 
 832.47503 
 
 100 
 
 170.48139 
 
 228.80292 
 
 312.23231 
 
 432.54865 
 
 607.28773 
 
 862.61166 
 
TABXiB ZZZ. 
 
 ANNUITIES CERTAIN— AMOUNTS, 
 
 Showing the Amount of £1 per Annum forborn and improved for 
 any number of years not exceeding 100. 
 
 Years. 
 51 
 
 4 f Cent. 
 
 4^ #• Cent. 
 
 5 ^ Cent. 
 
 6 ^ Cent. 
 
 : 7 <^ Cent. 
 
 8 #- Cent. 
 
 159.77377 
 
 187.53566 
 
 220.81540 
 
 308.75606 
 
 435.98595 
 
 620.67177 
 
 52 
 
 167.16472 
 
 196.97477 
 
 232.85617 
 
 328.28142 
 
 467.50497 
 
 671.32551 
 
 53 
 
 174.85131 
 
 206.83863 
 
 245.49897 
 
 348.97831 
 
 501.23032 
 
 726.03155 
 
 54 
 
 182.84536 
 
 217.14637 
 
 258.77392 
 
 370.91701 
 
 537.31644 
 
 785.11408 
 
 55 
 
 191.15917 
 
 227.91796 
 
 272.71262 
 
 394.17203 
 
 575.92859 
 
 848.92320 
 
 56 
 
 199.80554 
 
 239.17427 
 
 287.34825 
 
 418.82235 
 
 617.24359 
 
 917.83706 
 
 57 
 
 208.79776 
 
 250.93711 
 
 302.71566 
 
 444.95169 
 
 661.45065 
 
 992.26402 
 
 58 
 
 218.14967 
 
 263.22928 
 
 318.85144 
 
 472.64879 
 
 708.75219 
 
 1072.6451 
 
 59 
 
 227.87566 
 
 276.07460 
 
 335.79402 
 
 502.00772 
 
 759.36484 
 
 1159.4568 
 
 60 
 
 237.99069 
 
 289.49795 
 
 353.58372 
 
 533.12818 
 
 813.52038 
 
 1253.2133 
 
 61 
 
 248.51031 
 
 303.52536 
 
 372.26290 
 
 566.11587 
 
 871.46681 
 
 1354.4704 
 
 62 
 
 259.45073 
 
 318.18400 
 
 391.87605 
 
 601.08282 
 
 933.46949 
 
 1463.8280 
 
 63 
 
 270.82875 
 
 333.50228 
 
 412.46985 
 
 638.14779 
 
 999.81235 
 
 1581.9342 
 
 64 
 
 282.66190 
 
 349.50989 
 
 434.09334 
 
 677.43666 
 
 1070.7992 
 
 1709.4890 
 
 65 
 
 294.96838 
 
 366.23783 
 
 456.79801 
 
 719.08286 
 
 1146.7552 
 
 1847.2481 
 
 66 
 
 307.76712 
 
 383.71853 
 
 480.63791 
 
 763.22783 
 
 1228.0280 
 
 1996.0279 
 
 67 
 
 321.07780 
 
 401.98587 
 
 505.66981 
 
 810.02150 
 
 1314.9900 
 
 2156.7102 
 
 68 
 
 334.92091 
 
 421.07523 
 
 531.95330 
 
 859.62279 
 
 1408.0393 
 
 2330.2470 
 
 69 
 
 349.31775 
 
 441.02362 
 
 559.55096 
 
 912.20016 
 
 1507.6020 
 
 2517.6667 
 
 70 
 
 364.29046 
 
 461.86968 
 
 588.52851 
 
 967.93217 
 
 1614.1342 
 
 2720.0801 
 
 71 
 
 379.86208 
 
 483.65382 
 
 618.95494 
 
 1027.0081 
 
 1728.1236 
 
 2938.6865 
 
 72 
 
 396.05656 
 
 506.41824 
 
 650.90268 
 
 1089.6286 
 
 1850.0922 
 
 3174.7814 
 
 73 
 
 412.89882 
 
 530.20706 
 
 684.44782 
 
 1156.0063 
 
 1980.5987 
 
 3429.7639 
 
 74 
 
 430.41478 
 
 555.06638 
 
 719.67021 
 
 1226.3667 
 
 2120.2406 
 
 3705.1450 
 
 75 
 
 448.63137 
 
 581.04436 
 
 756.65372 
 
 1300.9487 
 
 2269.6574 
 
 4002.5566 
 
 76 
 
 467.57662 
 
 608.19136 
 
 795.48640 
 
 1380.0056 
 
 2429.5334 
 
 4323.7612 
 
 77 
 
 487.27969 
 
 636.55997 
 
 836.26072 
 
 1463.8059 
 
 2600.6008 
 
 4670.6620 
 
 78 
 
 507.77087 
 
 666.20517 
 
 879.07376 
 
 1552.6343 
 
 2783.6428 
 
 5045.3150 
 
 79 
 
 529.08171 
 
 697.18440 
 
 924.02745 
 
 1646.7924 
 
 2979.4978 
 
 5449.9402 
 
 80 
 
 551.24498 
 
 729.55770 
 
 971.22882 
 
 1746.5999 
 
 3189.0627 
 
 5886.9354 
 
 81 
 
 574.29478 
 
 763.38779 
 
 1020.7903 
 
 1852.3959 
 
 3413.2971 
 
 6358.8903 
 
 82 
 
 598.26657 
 
 798.74025 
 
 1072.8298 
 
 1964.5396 
 
 3653.2279 
 
 6868.6015 
 
 83 
 
 623.19723 
 
 835.68356 
 
 1127.4713 
 
 2083.4120 
 
 3909.9538 
 
 7419.0896 
 
 84 
 
 649.12512 
 
 874.28932 
 
 1184.8448 
 
 2209.4167 
 
 4184.6506 
 
 8013.6168 
 
 85 
 
 676.09012 
 
 914.63234 
 
 1245.0871 
 
 2342.9817 
 
 4478.5761 
 
 8655.7061 
 
 86 
 
 704.13373 
 
 956.79079 
 
 1308.3414 
 
 2484.5606 
 
 4793.0764 
 
 9349.1626 
 
 87 
 
 733.29908 
 
 1000.8464 
 
 1374.7585 
 
 2634.6343 
 
 5129.5918 
 
 10098.096 
 
 88 
 
 763.63104 
 
 1046.8845 
 
 1444.4964 
 
 2793.7123 
 
 5489.6632 
 
 10906.943 
 
 89 
 
 795.17628 
 
 1094.9943 
 
 1517.7212 
 
 2962.3351 
 
 5874.9397 
 
 11780.499 
 
 90 
 
 827.98333 
 
 1145.2690 
 
 1594.6073 
 
 3141.0752 
 
 6287.1854 
 
 12723.939 
 
 91 
 
 862.10267 
 
 1197.8061 
 
 1675.3377 
 
 3330.5397 
 
 6728.2884 
 
 13742.854 
 
 92 
 
 897.58677 
 
 1252.7074 
 
 1760.1045 
 
 3531.3721 
 
 7200.2686 
 
 14843.282 
 
 93 
 
 934.49024 
 
 1310.0792 
 
 1849.1098 
 
 3744.2544 
 
 7705.2874 
 
 16031.745 
 
 94 
 
 972.86985 
 
 1370.0328 
 
 1942.5653 
 
 3969.9097 
 
 8245.6575 
 
 17315.284 
 
 95 
 
 1012.7846 
 
 1432.6843 
 
 2040.6935 
 
 4209.1042 
 
 8823.8535 
 
 18701.507 
 
 96 
 
 1054.2960 
 
 1498.1551 
 
 2143.7282 
 
 4462.6505 
 
 9442.5233 
 
 20198.627 
 
 97 
 
 1097.4679 
 
 1566.5720 
 
 2251.9146 
 
 4731.4095 
 
 10104.500 
 
 21815.518 
 
 98 
 
 1142.3666 
 
 1638.0678 
 
 2365.5103 
 
 5016.2941 
 
 10812.815 
 
 23501.759 
 
 99 
 
 1189.0613 ! 1712.7808 
 
 2484.7859 
 
 5318.2718 
 
 11570.712 
 
 25447.700 
 
 100 
 
 1237.6237 1790.8560 ' 2610.0252 ! 5638.3681 
 
 12381.662 
 
 27484.516 
 
TABZiB IV. 
 
 ANNUITIES CERTAIN— PRESENT VALUES, 
 
 Showing the Present Value of £1 per Annum for any number of 
 years not exceeding 100. 
 
 Years. 
 
 l^Ceut. 
 
 1 i #> Cent. 
 
 2 ^ Cent. 
 
 2i #■ Cent. 
 
 3 #* Cent. 
 
 3i#' Cent. 
 
 1 
 
 .990099 
 
 .985222 
 
 .980392 
 
 .975610 
 
 .970874 
 
 .966184 
 
 2 
 
 1.970395 
 
 1.955884 
 
 1.941561 
 
 1.927424 
 
 1.913470 
 
 1.899694 
 
 3 
 
 2.940985 
 
 2.912201 
 
 2.883883 
 
 2.856024 
 
 2.828611 
 
 2.801637 
 
 4 
 
 3.901965 
 
 3.854385 
 
 3.807729 
 
 3.761974 
 
 3.717098 
 
 3.673079 
 
 5 
 
 4.853431 
 
 4.782645 
 
 4.713460 
 
 4.645828 
 
 4,579707 
 
 4.515052 
 
 6 
 
 5.795476 
 
 5.697187 
 
 5.601431 
 
 5.508125 
 
 5.417191 
 
 5.328553 
 
 7 
 
 6.728194 
 
 6.598214 
 
 6.471991 
 
 6.349391 
 
 6.230283 
 
 6.114544 
 
 8 
 
 7.651677 
 
 7.485925 
 
 7.325481 
 
 7.170137 
 
 7.019692 
 
 6.873956 
 
 9 
 
 8.566017 
 
 8.360517 
 
 8.162237 
 
 7.970866 
 
 7.786109 
 
 7.607687 
 
 10 
 
 9.471304 
 
 9.222184 
 
 8.982585 
 
 8.752064 
 
 8.530203 
 
 8.316605 
 
 11 
 
 10.367628 
 
 10.071117 
 
 9.786848 
 
 9.514209 
 
 9.252624 
 
 9.001551 
 
 12 
 
 11.255077 
 
 10.907504 
 
 10.575341 
 
 10.257765 
 
 9.954004 
 
 9.663334 
 
 13 
 
 12.133739 
 
 11.731531 
 
 11.348374 
 
 10.983185 
 
 10.634955 
 
 10.302738 
 
 14 
 
 13.003702 
 
 12.543380 
 
 12.106249 
 
 11.690912 
 
 11.296073 
 
 10.920520 
 
 15 
 
 13.865051 
 
 13.343232 
 
 12.849264 
 
 12.381378 
 
 11.937935 
 
 11.517411 
 
 16 
 
 14.717872 
 
 14.131263 
 
 13.577709 
 
 13.055003 
 
 12.561102 
 
 12.094117 
 
 17 
 
 15.562249 
 
 14.907648 
 
 14.291872 
 
 13.712198 
 
 13.166118 
 
 12.651321 
 
 18 
 
 16.398266 
 
 15.672560 
 
 14.992031 
 
 14.353364 
 
 13.753513 
 
 13.189682 
 
 19 
 
 17.226006 
 
 16.426167 
 
 15.678462 
 
 14.978891 14.323799 
 
 13.709837 
 
 20 
 
 18.045550 
 
 17.168638 
 
 16.351433 
 
 15.589162 
 
 14.877475 
 
 14.212403 
 
 21 
 
 18.856980 
 
 17.900136 
 
 17.011209 
 
 16.184549 
 
 15.415024 
 
 14.697974 
 
 22 
 
 19.660376 
 
 18.620823 
 
 17.658048 
 
 16.765413 
 
 15.936917 
 
 15.167125 
 
 23 
 
 20.455818 
 
 19.330860 
 
 18.292204 
 
 17.332110 
 
 16.443608 
 
 15.620410 
 
 24 
 
 21.243384 
 
 20.030404 
 
 18.913926 
 
 17.884986 
 
 16.935542 
 
 16.058368 
 
 25 
 
 22.023152 
 
 20.719610 
 
 19.523456 
 
 18.424376 
 
 17.413148 
 
 16.481515 
 
 26 
 
 22.795200 
 
 21.398630 
 
 20.121036 
 
 18.950611 
 
 17.876842 
 
 16.890352 
 
 27 
 
 23.559604 
 
 22.067616 
 
 20.706898 
 
 19.464011 
 
 18.327031 
 
 17.285365 
 
 28 
 
 24.316440 
 
 22.726715 
 
 21.281272 
 
 19.964889 
 
 18.764108 
 
 17.667019 
 
 29 
 
 25.065782 
 
 23.376074 
 
 21.844385 
 
 20.453550 
 
 19.188455 
 
 18.035767 
 
 30 
 
 25.807705 
 
 24.015836 
 
 22.396456 
 
 20.930293 19.600441 
 
 18.392045 
 
 31 
 
 26.542282 
 
 24.646144 
 
 22.937702 
 
 21.395407 
 
 20.000428 
 
 18.736276 
 
 32 
 
 27.269586 
 
 25.267138 
 
 23.468335 
 
 21.849178 
 
 20.388766 
 
 19.068865 
 
 33 
 
 27.989689 
 
 25.878954 
 
 23.988564 
 
 22.291881 
 
 20.765792 
 
 19.390208 
 
 34 
 
 28.702662 
 
 26.481728 
 
 24.498592 
 
 22.723786 
 
 21.131837 
 
 19.700684 
 
 35 
 
 29.408576 
 
 27.075594 
 
 24.998619 
 
 23.145157 
 
 21.487220 
 
 20.000661 
 
 36 
 
 30.107501 
 
 27.660684 
 
 25.488842 
 
 23.556251 
 
 21.832252 
 
 20.290494 
 
 37 
 
 30.799506 
 
 28.237127 
 
 25.969453 
 
 23.957318 22.167235 
 
 20.570525 
 
 38 
 
 31.484659 
 
 28.805051 
 
 26.440641 
 
 24.348603 22.492462 
 
 20.841087 
 
 39 
 
 32.163029 
 
 29.364582 
 
 26.902589 
 
 24.730344 22.808215 
 
 21.102500 
 
 40 
 
 32.834682 
 
 29.915844 
 
 27.355479 
 
 25.102775 23.114772 
 
 21.355072 
 
 41 
 
 33.499685 
 
 30.458960 
 
 27.799489 
 
 25.466122 23.412400 
 
 21.599104 
 
 42 
 
 34.158104 
 
 30.994049 
 
 28.234794 
 
 25.820607 23.701359 
 
 21.834883 
 
 43 
 
 34.810004 
 
 31.521231 
 
 28.661562 
 
 26.166446 23.981902 
 
 22.062689 
 
 44 
 
 35.455449 
 
 32.040622 
 
 29.079963 
 
 26.503849 24.254274 
 
 22.282791 
 
 45 
 
 36.094504 
 
 32.552337 
 
 29.490160 
 
 26.833024 24.518713 
 
 22.495460 
 
 46 
 
 36.727232 
 
 33.056490 
 
 29.892314 
 
 27.154170 24.775449 
 
 22.700918 
 
 47 
 
 37.353695 
 
 33.553192 
 
 30.286582 
 
 27.467483 25.024708 
 
 22.899438 
 
 48 
 
 37.973955 
 
 34.042554 
 
 30.673120 
 
 27.773154 25.266707 23.091244 1 
 
 49 
 
 38.588074 
 
 34.524684 
 
 31.052078 
 
 28.071369 25.501657 
 
 23.276564 
 
 50 
 
 39.196113 34.999689 
 
 31.423606 
 
 28.362312 25.729704 23.455618 j 
 
ANNUITIES CERTAIN— I'RESENT VALUES, 
 
 Showing the Present Valve of £1 jjcr Annum for any number of 
 years not exceeding 100. 
 
 Years. 
 
 4 f Cent. 
 
 4i#'Cent. 
 
 5 #* Cent. 
 
 6<a^Cent. 
 
 7 f Cent. 
 
 8 #• Cent. 
 
 1 
 
 .961538 
 
 .956938 
 
 .952381 
 
 .943396 
 
 .934579 
 
 .925926 
 
 2 
 
 1 .8800i)5 
 
 1.872668 
 
 1.859410 
 
 1.833393 
 
 1.808018 
 
 1.783205 
 
 3 
 
 2.775091 
 
 2.748964 
 
 2.723248 
 
 2.673012 
 
 2.624316 
 
 2.577097 
 
 4 
 
 3.629895 
 
 3.587526 
 
 3.545951 
 
 3.4G5106 
 
 3.387211 
 
 3.312127 
 
 5 
 
 4.451822 
 
 4.389977 
 
 4.329477 
 
 4.212364 
 
 4.100197 
 
 3.992710 
 
 6 
 
 5.242137 
 
 5.157872 
 
 5.075692 
 
 4.917324 
 
 4.766540 
 
 4.622880 
 
 7 
 
 6.002055 
 
 5.892701 
 
 5.786373 
 
 5.582381 
 
 5.389289 
 
 5.206370 
 
 8 
 
 6.732745 
 
 6.595886 
 
 6.463213 
 
 6.209794 
 
 5.971299 
 
 5.746639 
 
 9 
 
 7.435332 
 
 7.268790 
 
 7.107822 
 
 6.801692 
 
 6.515232 
 
 6.246888 
 
 10 
 
 8.110896 
 
 7.912718 
 
 7.721735 
 
 7.360087 
 
 7.023582 
 
 0.710081 
 
 11 
 
 8.760477 
 
 8.528917 
 
 8.306414 
 
 7.886875 
 
 7.498674 
 
 7.138964 
 
 12 
 
 9.385074 
 
 9.118581 
 
 8.863252 
 
 8.383844 
 
 7.942086 
 
 7.530078 
 
 13 
 
 9.985648 
 
 9.682852 
 
 9.393573 
 
 8.852683 
 
 8.357051 
 
 7.903770 
 
 14 
 
 10.563123 
 
 10.222825 
 
 9.898641 
 
 9.294984 
 
 8.745408 
 
 8.244237 
 
 15 
 
 11.118387 
 
 10.739546 
 
 10.379658 
 
 9.712249 
 
 9.107914 
 
 8.559479 
 
 16 
 
 11.652296 
 
 11.234015 
 
 10.837770 
 
 10.105895 
 
 9.446649 
 
 8.851369 
 
 17 
 
 12.165669 
 
 11.707191 
 
 11.274066 
 
 10.477260 
 
 9.763223 
 
 9.121638 
 
 18 
 
 12.659297 
 
 12.159992 
 
 11.689587 
 
 10.827603 
 
 10.059087 
 
 9.371887 
 
 19 
 
 13.133939 
 
 12.593294 
 
 12.085321 
 
 11.158116 
 
 10.335595 
 
 9.603599 
 
 20 
 
 13.590326 
 
 13.007936 
 
 12.462210 
 
 11.469921 
 
 10.594014 
 
 9.818147 
 
 21 
 
 14.029160 
 
 13.404724 
 
 12.821153 
 
 11.764077 
 
 10.835527 
 
 10.016803 
 
 22 
 
 14.451115 
 
 13.784425 
 
 13.163003 
 
 12.041582 
 
 11.061241 
 
 10.200744 
 
 23 
 
 14.856842 
 
 14.147775 
 
 13.488574 
 
 12.303379 
 
 11.272187 
 
 10.371059 
 
 24 
 
 15.246963 
 
 14.495478 
 
 13.798642 
 
 12.550358 
 
 11.469334 
 
 10..528758 
 
 25 
 
 15.622080 
 
 14.828209 
 
 14.093945 
 
 12.783356 
 
 11.653583 
 
 10.074770 
 
 26 
 
 15.982769 
 
 15.146611 
 
 14.375185 
 
 13.003166 
 
 11.825779 
 
 10.809978 
 
 27 
 
 16.329586 
 
 15.451303 
 
 14.643034 
 
 13.210534 
 
 11.986709 
 
 10.935165 
 
 28 
 
 16.663063 
 
 15.742874 
 
 14.898127 
 
 13.406164 
 
 12.1.37111 
 
 11.051078 
 
 29 
 
 16.983715 
 
 16.021889 
 
 15.141074 
 
 13.590721 
 
 12.277674 
 
 11.158406 
 
 30 
 
 17.292033 
 
 16.288889 
 
 15.372451 
 
 13.764831 
 
 12.409041 
 
 11.257783 
 
 31 
 
 17.588494 
 
 16.544391 
 
 15.592811 
 
 13.929086 
 
 12.531814 
 
 11.349799 
 
 32 
 
 17.873552 
 
 16.788891 
 
 15.802677 
 
 14.084043 
 
 12.646555 
 
 11.434999 
 
 33 
 
 18.147646 
 
 17.022862 
 
 16.002.549 
 
 14.2.30230 
 
 12.753790 
 
 11.513888 
 
 34 
 
 18.411198 
 
 17.246758 
 
 16.192904 
 
 14..368141 
 
 12.854009 
 
 11.586934 
 
 35 
 
 18.664613 
 
 17.461012 
 
 16.374194 
 
 14.498246 
 
 12.947672 
 
 11.054568 
 
 30 
 
 18.908282 
 
 17.666041 
 
 10.546852 
 
 14.020987 
 
 13.035208 
 
 11.717193 
 
 37 
 
 19.142579 
 
 17.862240 
 
 16.711287 
 
 14.730780 
 
 13.117017 
 
 11.775179 
 
 38 
 
 19.367864 
 
 18.049990 
 
 16.867893 
 
 14.846019 
 
 13.193473 
 
 11.828869 
 
 39 
 
 19.584485 
 
 18.229656 
 
 17.017041 
 
 14.949075 
 
 13.264928 
 
 11.878582 
 
 40 
 
 19.792774 
 
 18.401584 
 
 17.159086 
 
 15.046297 
 
 13.331709 
 
 11.924613 
 
 41 
 
 19.993052 
 
 18.566109 
 
 17.294368 
 
 15.138016 
 
 13.394120 
 
 11.9072.35 
 
 42 
 
 20.185627 
 
 18.723550 
 
 17.42.3208 
 
 15.224.543 
 
 13.452449 
 
 12.006699 
 
 43 
 
 20.370795 
 
 18.874210 
 
 17.545912 
 
 15.306173 
 
 13.506962 
 
 12.043240 
 
 44 
 
 20.548841 
 
 19.018383 
 
 17.662773 
 
 15.383182 
 
 13.557908 
 
 12.077074 
 
 45 
 
 20.720040 
 
 19.156347 
 
 17.774070 
 
 15.455832 
 
 13.605522 
 
 12.108402 
 
 46 
 
 20.884654 
 
 19.288371 
 
 17.880067 
 
 15.524370 
 
 13.650020 
 
 12.137409 
 
 47 
 
 21.042936 
 
 19.414709 
 
 17.981016 
 
 15.589028 
 
 13.091608 
 
 12.164267 
 
 48 
 
 21.195131 
 
 19.535607 
 
 18.077158 
 
 15.650027 
 
 13.730474 
 
 12.189136 
 
 49 
 
 21.341472 
 
 19.651298 
 
 18.168722 
 
 15.707572 
 
 13.706799 
 
 12.212103 
 
 50 
 
 21.482185 
 
 19.762008 
 
 18.255925 
 
 15.761861 
 
 13.800746 
 
 12.233485 
 
TABZiB XV. 
 
 ANNUITIES CERTAIN— PRESENT VALUES, 
 
 Showing the Present Value of £1 per Annum for any number of 
 years not exceeding 100. 
 
 Years. 
 
 51 
 52 
 53 
 54 
 55 
 
 56 
 57 
 58 
 59 
 60 
 
 61 
 62 
 63 
 64 
 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 
 
 Cent. 
 
 Cent. 
 
 Cent. 
 
 2i ^ Cent. 
 
 39.798132 
 40.394190 
 40.984346 
 41.568659 
 42.147187 
 
 42.719987 
 43.287116 
 43.848630 
 44.404584 
 44.955034 
 
 45.500034 
 46.039638 
 46.573899 
 47.102870 
 47.626604 
 
 48.145152 
 48.658566 
 49.166897 
 49.670195 
 50.168510 
 
 50.661891 
 51.150387 
 51.634046 
 52.112917 
 
 52.587047 
 
 53.056482 
 53.521269 
 53.981454 
 54.437083 
 54.888201 
 
 55.334852 
 55.777081 
 56.214932 
 56.648448 
 57.077671 
 
 57.502644 
 57.923410 
 58.340010 
 58.752485 
 59.160876 
 
 59.565224 
 59.965568 
 60.361948 
 60.754404 
 61.142974 
 
 61.527697 
 61.908611 
 62.285753 
 62.659161 
 
 63.028872 
 
 35.467674 
 35.928743 
 36.382998 
 36.830540 
 37.271468 
 
 37.705880 
 38.133872 
 38.555533 
 38.970968 
 39.380264 
 
 39.783511 
 40.180799 
 40.572216 
 40.957848 
 41.337781 
 
 41.712099 
 42.080886 
 42.444223 
 42.802190 
 43.154867 
 
 43.502332 
 43.844662 
 44.181933 
 44.514220 
 44.841596 
 
 45.164134 
 45.481905 
 45.794980 
 46.103429 
 46.407319 
 
 46.706718 
 47.001693 
 47.292309 
 47.578630 
 47.860719 
 
 48.138639 
 48.412452 
 48.682219 
 48.947999 
 49.209851 
 
 49.467834 
 49.722004 
 49.972418 
 50.219131 
 50.462198 
 
 50.701673 
 50.937609 
 51.170058 
 51.399072 
 51.624701 
 
 Perp. 1100.0000001 66.666067 
 
 31.787849 
 32.144950 
 32.495049 
 32.838283 
 33.174788 
 
 33.504694 
 33.828131 
 34.145227 
 34.456104 
 34.760887 
 
 35.059693 
 35.352640 
 35.639843 
 35.921415 
 36.197466 
 
 36.468104 
 36.733435 
 36.993564 
 37.248592 
 37.498619 
 
 37.743744 
 37.984063 
 38.219670 
 38.450657 
 38.677114 
 
 38.899132 
 39.116796 
 39.330192 
 39.539404 
 39.744514 
 
 39.945602 
 40.142747 
 40.336026 
 40.525516 
 40.711290 
 
 40.893422 
 41.071982 
 41.247041 
 41.418668 
 41.586929 
 
 41.751891 
 41.913619 
 42.072175 
 42.227623 
 42.380023 
 
 42.529434 
 42.675916 
 42.819525 
 42.960319 
 43.098352 
 
 28.646158 
 28.923081 
 29.193250 
 29.456829 
 29.713979 
 
 29.964858 
 30.209617 
 30.448407 
 30.681373 
 30.908656 
 
 31.130397 
 31.346728 
 31.557784 
 31.763691 
 31.964577 
 
 32.160563 
 32.351769 
 32.538311 
 32.720303 
 
 32.897857 
 
 33.071080 
 33.240078 
 33.404954 
 33.565809 
 33.722740 
 
 33.875844 
 34.025214 
 34.170940 
 34.313113 
 34.451817 
 
 34.587139 
 34.719160 
 34.847961 
 34.973620 
 35.096215 
 
 35.215819 
 35.332507 
 35.446348 
 35.557413 
 35.665768 
 
 35.771481 
 35.874616 
 35.975235 
 36.073400 
 36.169171 
 
 36.262606 
 36.353762 
 36.442694 
 36.529458 
 36.614105 
 
 3 W Cent. 
 
 25.951227 
 26.166240 
 26.374990 
 26.577660 
 26.774428 
 
 26.965464 
 27.150936 
 27.331005 
 27.505831 
 27.675564 
 
 27.840353 
 28.000343 
 28.155673 
 28.306478 
 28.452891 
 
 28.595040 
 28.733049 
 28.867038 
 28.997124 
 29.123421 
 
 29:246040 
 29.365087 
 29.480667 
 29.592881 
 29.701826 
 
 29.807598 
 29.910290 
 30.009990 
 30.106786 
 30.200763 
 
 30.292003 
 30.380586 
 30.466588 
 30.550086 
 30.631151 
 
 30.709855 
 30.786267 
 30.860454 
 30.932479 
 31.002407 
 
 31.070298 
 31.136212 
 31.200206 
 31.262336 
 31.322656 
 
 31.381219 
 31.438077 
 31.493279 
 31.546872 
 31.598905 
 
 3i #" Cent, 
 
 23.628616 
 23.795765 
 23.957260 
 24.113295 
 24.264053 
 
 24.409713 
 24.550448 
 24.686423 
 24.817800 
 24.944734 
 
 25.067376 
 25.185870 
 25.300358 
 25.410974 
 25.517849 
 
 25.621110 
 25.720880 
 25.817275 
 25.910411 
 26.000397 
 
 26.087340 
 26.171343 
 26.252505 
 26.330923 
 26.406689 
 
 26.479892 
 26.550621 
 26.618957 
 26.684983 
 26.748776 
 
 26.810411 
 26.869963 
 26.927500 
 26.983092 
 27.036804 
 
 27.088699 
 27.138840 
 27.187285 
 27.234092 
 27.279316 
 
 27.323010 
 27.365227 
 27.406017 
 27.445427 
 27.483504 
 
 27.520294 
 27.555839 
 27.590183 
 27.623365 
 27.655425 
 
 50.000000 I 40.000000 | 33.333333 | 28.571429 
 
TABXfS ZV. 
 
 ANNUITIES CERTAIN— PRESENT VALUES. 
 
 Shewing the Present Value of £1 per Annum for any number of 
 years not exceeding 100. 
 
 Years. 4 ^ Cent. 
 
 51 
 52 
 53 
 54 
 55 
 
 56 
 
 57 
 58 
 59 
 60 
 
 61 
 62 
 63 
 64 
 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 
 
 4i #* Cent. 
 
 21.617485 
 21.747582 i 
 21.872675 
 21.992957 
 22.108612 
 
 22.219819 
 22.326749 
 22.429567 
 22.528430 
 22.623490 
 
 22.714894 
 22.802783 
 22.887291 
 22.968549 
 23.046682 
 
 23.121810 
 23.194048 
 23.263507 
 23.330296 
 23.394515 
 
 23.456264 
 23.515639 
 23.572730 
 23.627625 
 23.680408 
 
 23.731162 
 23.779963 
 23.826888 
 23.872008 
 23.915392 
 
 23.957108 
 23.997219 
 24.U35787 
 24072872 
 24.108531 
 
 24.142818 
 24.175787 
 24.207487 
 24.237969 
 24.267278 
 
 24.295459 
 24.322557 
 24..348612 
 24.373666 
 24.397756 
 
 24.420919 
 24.443191 
 24.464607 
 24.485199 
 24.504999 
 
 19.867950 
 19.969330 
 20.066345 
 20.159181 
 20.248021 
 
 20.333034 
 20.414387 
 20.492236 
 20.566733 
 20.638022 
 
 20.706241 
 20.771523 
 20.833993 
 20.893773 
 20.950979 
 
 21.005722 
 21.058107 
 21.108236 
 21.156207 
 21.202112 
 
 5 <^ Cent. 6 f Cent. 7 W Cent. 
 
 ,246040 
 ,288077 
 ,328303 
 ,366797 
 .403634 
 
 .438884 
 .472616 
 .504896 
 .535785 
 .565345 
 
 21.593632 
 
 21.620700 
 
 21,646603 
 
 21.671390. 
 
 21.695110 
 
 21.717809 
 21.739530 
 21.760316 
 21.780207 
 21.799241 
 
 21.817455 
 21.834885 
 21.851565 
 21.867526 
 21.882800 
 
 21.897417 
 21.911403 
 21.924788 
 21.937596 
 21.949853 
 
 18.338977 
 18.418073 
 18.493403 
 18.565146 
 18.633472 
 
 18.698545 
 18.760519 
 18.819542 
 18.875754 
 18.929290 
 
 18.980276 
 19.028834 
 19.075080 
 19.119124 
 19.161070 
 
 19.201019 
 19.239066 
 19.275301 
 19.309810 
 19.342677 
 
 19.373978 
 19.403788 
 19.432179 
 19.459218 
 19.484970 
 
 19.509495 
 19.532853 
 19.555098 
 19.576284 
 19.596460 
 
 19.615677 
 19.633978 
 19.651407 
 19.668007 
 19.683816 
 
 19.698873 
 19.713212 
 19.726869 
 19.739875 
 19.752262 
 
 19.764059 
 19.775294 
 19.785994 
 19.796185 
 19.805891 
 
 19.815134 16.604653 
 19.823937 ' 16.608163 
 19.832321 j. 16.611475 
 19.840306 1 16.614599 
 19.8479101 16.617546 
 
 15.813076 
 15.861393 
 15.906974 
 15.949976 
 15.990543 
 
 16.028814 
 16.064919 
 16.098980 
 16.131113 
 16.161428 
 
 16.190026 
 16.217006' 
 16.242458 ; 
 16.266470 
 16.289123 1 
 
 16.310493 
 16.330654 
 16.349673 
 16.367617 
 16.384544 
 
 16.400513 
 16.415578 
 16.429791 
 16.443199 
 16.455848 
 
 16.467781 
 16.479039 
 16.489659 
 16.499679 
 16.509131 
 
 16.518048 
 
 16.526460 
 
 16.534396 
 
 , 16.541883 
 
 ' 16.548947 
 
 I 
 16.555610 
 
 16.561896 
 
 16.567827 
 
 16.573421 
 
 16.578699 
 
 16.583679 
 16.588376 
 16.592808 
 16 596988 
 1 16 600932 
 
 8 ^' Cent. 
 
 13.832473 
 13.862124 
 13.889836 
 13.915735 
 13.939939 
 
 13.962560 
 13.983701 
 14.003459 
 14.021924 
 14.039181 
 
 14.055309 
 14.070383 
 14.084470 
 14.097635 
 14.109940 
 
 14.121439 
 14.132186 
 14.142230 
 14.151617 
 14.160389 
 
 14.168588 
 14.176251 
 14.183412 
 14.190104 
 14.196359 
 
 14.202205 
 14.207668 
 14.212774 
 14.217546 
 14.222005 
 
 14.226173 
 14.230069 
 14.233709 
 14.237111 
 14.240291 I 
 
 14.243262 ! 
 14.246040 i 
 14.248635 ; 
 14.251061 ; 
 14.253328 ' 
 
 14.255447 | 
 14.257427 
 14.259277 \ 
 14.261007 
 14.262623 
 
 14.264134 
 14.265546 
 14.266865 
 14.268098 
 14.269251 
 
 Perp. 125.000000 1 22.222222 1 20.000000 1 16.666667 I 14.285714 
 
 12.253227 
 12.271506 
 12.288432 
 12.304103 
 12.318614 
 
 12.332050 
 12.344491 
 12.356010 
 12.366676 
 12.376552 
 
 12.385696 
 12..394163 
 12.402003 
 12.409262 
 12.415983 
 
 12.422207 
 12.427969 
 12.433.305 
 12.438245 
 12.442820 
 
 12.447055 
 12.450977 
 12.454608 
 12.457971 
 12.461084 
 
 12.463967 
 12.466636 
 12.469107 
 12.471396 
 12.473514 
 
 12.475476 
 12.477293 
 12.478975 
 12.480532 
 12.481974 
 
 12.483310 
 12.484546 
 12.485691 
 12.486751 
 ' 12.487732 
 
 I 12.488641 
 12.489482 
 ; 12.490261 
 : 12.490983 
 1 12.491651 
 
 ■ 12.492269 
 12.492842 
 i 12.493372 
 i 12.493863 
 I 12.494318 
 
 I 12.500000 1 
 
TABXiB V. 
 
 NEW RATE OF MORTALITY. 
 
 Exhibiting the Law of Mortality amongst Assured Lives according^ 
 to the combined Town and Country Experience of Life Offices, deduced from 
 62,537 Assurances under the superintendence of a Committee of eminent 
 Actuaries.* 
 
 Com- 
 
 Number 
 
 Deaths 
 
 Logarithm of 
 
 Com- 
 
 Number 
 
 Death? 
 
 Logarithm of 
 
 ploted 
 
 Survivins; 
 
 iit each 
 
 Age. 
 
 in each 
 
 Number surviving 
 
 pleted 
 
 Surviving 
 
 at each 
 
 Age. 
 
 in each 
 
 Wimber surviving 
 
 Age. 
 
 Year. 
 
 at each Age. 
 
 Age. 
 
 Year. 
 
 at each Age. 
 
 10 
 
 100000 
 
 676 
 
 5.0000000 
 
 55 
 
 63469 
 
 1375 
 
 4.8025617 
 
 11 
 
 99324 
 
 674 
 
 4.9970542 
 
 66 
 
 62094 
 
 1436 
 
 4.7930496 
 
 12 
 
 98650 
 
 672 
 
 4.9940971 
 
 57 
 
 60658 
 
 1497 
 
 4.7828881 
 
 13 
 
 97978 
 
 671 
 
 4.9911286 
 
 58 1 
 
 59161 
 
 1561 
 
 4.7720355 
 
 14 
 
 97307 
 
 671 
 
 4.9881441 
 
 59 
 
 57600 
 
 1627 
 
 4.7604225 
 
 15 
 
 96636 
 
 671 
 
 4.9851389 
 
 60 
 
 55973 
 
 1698 
 
 4.7479786 
 
 16 
 
 95965 
 
 672 
 
 4.9821129 
 
 61 
 
 54275 
 
 1770 
 
 4.734599» 
 
 17 
 
 95293 
 
 673 
 
 4.9790610 
 
 62 
 
 52505 
 
 1844 
 
 4.7202007 
 
 18 
 
 94620 
 
 675 
 
 4.9759829 
 
 63 
 
 50661 
 
 1917 
 
 4.7046738 
 
 19 
 
 93945 
 
 677 
 
 49728737 
 
 64 
 
 48744 
 
 1990 
 
 4.6879212 
 
 20 
 
 93268 
 
 680 
 
 4.9697327 
 
 65 
 
 46754 
 
 2061 
 
 4.6098188 
 
 21 
 
 92588 
 
 683 
 
 4.9665547 
 
 66 1 
 
 44G93 
 
 2128 
 
 4.6502395 
 
 22 
 
 91905 
 
 686 
 
 4.9633391 
 
 67 
 
 42565 
 
 2191 
 
 4.6290526 
 
 23 
 
 91219 
 
 690 
 
 4.9600853 
 
 68 
 
 40374 
 
 2246 
 
 4.6061018 
 
 24 
 
 90529 
 
 694 
 
 4.9567877 
 
 69 
 
 38128 
 
 2291 
 
 4.5812440 
 
 25 
 
 89835 
 
 698 
 
 4.9534456 
 
 70 
 
 35837 
 
 2327 
 
 4.5543316 
 
 26 
 
 89137 
 
 703 
 
 4 9500580 
 
 71 
 
 33510 
 
 2351 
 
 4.5251744 
 
 27 
 
 88434 
 
 708 
 
 4 9466193 
 
 72 
 
 31159 
 
 2362 
 
 4.4935835 
 
 28 
 
 87726 
 
 714 
 
 4.9431283 
 
 73 
 
 28797 
 
 2358 
 
 4.4593472 
 
 29 
 
 87012 
 
 720 
 
 4.9395792 
 
 ' 74 
 
 26439 
 
 2339 
 
 4.4222450 
 
 30 
 31 
 
 8G292 
 
 727 
 
 4.9359705 
 
 1 75 
 
 24100 
 
 2303 
 
 4.3820170 
 
 85565 
 
 734 
 
 4.P322962 
 
 76 
 
 21797 
 
 2249 
 
 4.3383967 
 
 32 
 
 84831 
 
 742 
 
 4.9285546 
 
 77 
 
 19548 
 
 2179 
 
 4.2911023 
 
 33 
 
 84089 
 
 750 
 
 4.9247392 
 
 78 
 
 17369 
 
 2092 
 
 4.2397748 
 
 34 
 
 83339 
 
 758 
 
 4.9208483 
 
 79 
 
 15277 
 
 1987 
 
 , 4.1840381 
 
 35 
 
 82581 
 
 767 
 
 4.9168801 
 
 80 
 
 13290 
 
 1806 
 
 1 4.1235250 
 
 36 
 
 81814 
 
 776 
 
 4.9128276 
 
 81 
 
 11424 
 
 1730 
 
 4.0578182 
 
 37 
 
 81038 
 
 785 
 
 4.9086887 
 
 82 
 
 9694 
 
 1582 
 
 3.9865030 
 
 38 
 
 80253 
 
 795 
 
 4.9044613 
 
 83 
 
 8112 
 
 1427 
 
 3.9091279 
 
 39 
 
 79458 
 
 805 
 
 4.9001376 
 
 84 
 
 6685 
 
 1268 
 
 3.8251014 
 
 40 
 
 78653 
 
 815 
 
 4.8957153 
 
 85 
 
 5417 
 
 1111 
 
 3.7337588 
 
 41 
 
 77838 
 
 826 
 
 4.8911917 
 
 86 
 
 4306 
 
 958 
 
 3.6340740 
 
 42 
 
 77012 
 
 839 
 
 4.8865584 
 
 87 
 
 3348 
 
 811 
 
 3.5247854 
 
 43 
 
 76173 
 
 857 
 
 4.8818011 
 
 88 
 
 2537 
 
 673 
 
 3.4043205 
 
 44 
 
 75316 
 
 881 
 
 4.8768872 
 
 89 
 
 1864 
 
 545 
 
 3.2704459 
 
 45 
 
 . 74435 
 
 909 
 
 4.8717772 
 
 90 
 
 1319 
 
 427 
 
 3.1202448 
 
 46 
 
 73526 
 
 944 
 
 4.8664409 
 
 91 
 
 892 
 
 322 
 
 2.9503649 
 
 47 
 
 72582 
 
 981 
 
 4.8608289 
 
 92 
 
 570 
 
 231 
 
 2.7558749 
 
 48 
 
 71601 
 
 1021 
 
 4.8549191 
 
 93 
 
 339 
 
 155 
 
 2.5301997 
 
 49 
 
 ! 70580 
 
 j 
 
 1063 
 
 4.8486817 
 
 94 
 
 184 
 
 95 
 
 2.2048178 
 
 50 
 
 69517 
 
 1108 
 
 4.8420910 
 
 95 
 
 89 
 
 52 
 
 1.9493900 
 
 51 
 
 68409 
 
 1156 
 
 4.83511.32 
 
 96 
 
 37 
 
 24 
 
 1.5682017 
 
 52 
 
 67253 
 
 1207 
 
 4.8277117 
 
 97 
 
 13 
 
 9 
 
 1.1139434 
 
 53 
 
 66046 
 
 1201 
 
 4.8198465 
 
 98 
 
 i 4 
 
 3 
 
 0.6020600 
 
 54 
 
 64785 
 
 1316 
 
 4.8114745 
 
 99 
 
 i 1 
 
 1 
 
 0.0000000 
 
 • Messrs. Charles Ansell of the "Atlas;" Griffith Davies of the "Guardian;" J.J.Downes 
 of the "Economic;" Benjamin Gompertz of the ''Alliance;" George Kirkpatrick of the 
 "LawLife;" JoshuaMilne of the "Sun;" J. M. Rainbow of the "Crown;" W. S. B. Wol- 
 house of the "National Loan Fund," and Samuel Ingall, of the "Imperial," Secretary to the 
 Committee. 
 
TABLE VZ. 
 
 PROBABILITIES OF LIFE. 
 
 Shewing the Probability of Dying: in one Year, the Probability of 
 Surviving One Year, and the Logarithm of the Probability of Sur- 
 viving One Year. (Deduced from Table V.) 
 
 Com- 
 
 Proba- 
 bility of 
 Dying in 
 one year. 
 
 Probability 
 
 Loparilhm 
 of Proba- 
 
 Com- 
 
 .?,7? 'f Probability 
 
 ^^\'y of OfSurviving 
 
 J^J'"S '" one year, 
 one year. ' 
 
 Logarithm 
 of I'roba- 
 
 pleted 
 Age. 
 
 ofSurviving 
 one year. 
 
 bility of 
 Surviving 
 
 pleted 
 Age. 
 
 biliiyof 
 Surviving 
 
 10 
 
 
 
 one year. 
 9.9970542 
 
 
 .0216643 
 
 
 one year. 
 
 .0067600 
 
 .9932400 
 
 55 
 
 .9783357 
 
 9.9904879 
 
 11 
 
 .0067859 
 
 .9932141 
 
 9.9970429! 
 
 56 
 
 .0231261 .9768739 
 
 9.9898385 
 
 12 
 
 .0068119 
 
 .9931881 
 
 9.9970315 
 
 57 
 
 .0240793 1 .9753207 
 
 9.9801474 
 
 13 
 
 .0008484 
 
 .9931516 
 
 9.9970155 
 
 58 
 
 .0263856 .9736 144 
 
 9 9883870 
 
 14 
 
 .0068959 
 
 .9931041 
 
 9.9969948 1 
 
 59 
 
 .0282464 
 
 .9717536 
 
 9.9875561 
 
 15 
 
 .0069434 
 
 .9930566 
 
 9.9969740 1 
 
 60 
 
 .0303362 
 
 ,9696638 
 
 9.9866212 
 
 16 
 
 .0070026 
 
 .9929974 
 
 9.9969481 \ 
 
 61 
 
 .03261161.9673884 
 
 9.9856009 
 
 17 
 
 .00706251.9929375 
 
 9.9969219; 
 
 62 
 
 .03512041.9648796 
 
 9.9844731 
 
 18 
 
 .0071336 
 
 .9928664 
 
 9.9968908! 
 
 63 
 
 .0378398 1.9621602 
 
 9.9832474 
 
 19 
 
 .0072064 
 
 .9927936 
 
 9.9968590; 
 
 64 
 
 .0408256 .9591744 
 
 9.9818976 
 
 20 
 
 .0072909 
 
 .9927091 
 
 9.9968220 
 
 65 
 
 .0440818 .9559182 
 
 9.9804207 
 
 21 
 
 .0073768 
 
 .9926232 
 
 9.9967844 
 
 66 
 
 .0476138 .9523862 
 
 9.9788131 
 
 22 
 
 .0074641 
 
 .9925359 
 
 9.9967462 
 
 67 
 
 .0514741 .9485259 
 
 9 9770492 
 
 23 
 
 .0075643 
 
 .9924357 
 
 9.9967024 
 
 68 
 
 .0556300 .9443700 
 
 9.9751422 
 
 24 
 
 .0076659 
 
 .9923341 
 
 9.9966579 
 
 i 69 
 
 .0600872 
 
 .9399128 
 
 9.9730876 
 
 25 
 
 .0077700 
 
 .9922300 
 
 9.9966124 
 
 1 70 
 
 .0649328 
 
 .9350672 
 
 9.9708428 
 
 23 
 
 .0078866 '.9921134 
 
 9.9965613 
 
 71 
 
 .0701581 
 
 .9298419! 9.9684091 
 
 27 
 
 .0080061 ,.9919939 
 
 9.9965090 
 
 72 
 
 .0758049 
 
 .9241951 19.9657637 
 
 23 
 
 .0081389 '.9918611 
 
 9.9964509' 
 
 73 
 
 .0818834 
 
 .9181166 9.9628978 
 
 29 
 
 .0082750 .9917250 
 
 9.9963913 
 
 74 
 
 .0884679 
 
 .9115321 
 
 9.9597720 
 
 30 
 
 .0084248 
 
 .9915752 
 
 9.9963257 
 
 75 
 
 .0955602 
 
 .9044398 
 
 9.9563797 
 
 31 
 
 .0085784 
 
 .9914216 
 
 9.9962584 
 
 76 
 
 .1031794 
 
 .8968206 
 
 9.9527056 
 
 32 
 
 .0087468 
 
 .9912532 
 
 9.9961846 
 
 77 
 
 .1114692 
 
 .8885308 
 
 9 9486725 
 
 33 
 
 .0089191 .9910-09 
 
 9.2961091 
 
 78 
 
 .1204444 
 
 .8795556 9.9442633 
 
 34 
 
 .0090955 1 .9909045 
 
 9.9960318 
 
 79 
 
 .1300648 
 
 .8699352 9.9394869 
 
 35 
 
 .0092877 .9907123 
 
 9.9959475 
 
 80 
 
 .1404064 
 
 .8595936 9.9342932 
 
 36 
 
 .0094849 .9905151 
 
 9.9958611 
 
 81 
 
 .1514357 
 
 .8485643 9.9286848 
 
 37 
 
 .0096867 ' .9903133 
 
 99957726 
 
 82 
 
 .1631938 
 
 8368062 9.9226249 
 
 38 
 
 .0099064 i .9900936 
 
 9.9956763 
 
 83 
 
 .1759121 
 
 .8240879 9.9159735 
 
 39 
 
 .0101311!. 9898689 
 
 I 
 
 9.9955777 
 
 84 
 
 .1896785 
 
 .8103215 
 
 9.9086574 
 
 40 
 
 .0103619 .9896381 
 
 9.9954764 
 
 85 
 
 .2050951 
 
 .7949049 9.9003152 
 
 41 
 
 .0106118 .9893882 
 
 9.9953667 
 
 86 
 
 .2224804 
 
 .7775196 9.8907114 
 
 42 
 
 .0108943 .9891057 
 
 9.9952427 
 
 87 
 
 .2422340 
 
 .7577660 9.8795351 
 
 43 
 
 .0112509 .9887491 
 
 9.9950861 
 
 88 
 
 .2652741 
 
 .7347259 9.8661254 
 
 44 
 
 .0116973 .9883027 
 
 9.9948900 
 
 89 
 
 .2923820 
 
 .7076180 9.8497989 
 
 i 
 
 45 
 
 .0122120 .9877880 
 
 9.9946637 
 
 90 
 
 .3237300 
 
 .6762700 9.8301201 
 
 46 
 
 .01283891.9671611 
 
 9.9943880 
 
 91 
 
 .3609866 
 
 .6390134 9.8055100 
 
 47 
 
 .01351571.9864843 
 
 9.9940902 
 
 92 
 
 .405-2632 
 
 .5947368 9.7743248 
 
 48 
 
 .0142595 '.9857405 
 
 9.9937626 
 
 93 
 
 .4572271 
 
 .5427729 9.7346181 
 
 49 
 
 .01506111.9849389 
 
 9.9934093 
 
 94 
 
 .5163043 
 
 .4836957 9.6845722 
 
 50 
 
 .0159386 .9840614 
 
 9.9930222 
 
 95 
 
 .5842697 
 
 .414730319.6188117 
 
 51 
 
 .0168982;. 9831 018 
 
 9.99-25985 
 
 96 
 
 .6486486 
 
 .3513514 9.5457417 
 
 52 
 
 .0179473 .9820527 
 
 9.9921348 
 
 97 
 
 .6923077 
 
 .3076923 9.4881166 
 
 53 
 
 .0190927 .9809073 
 
 9.9916280 
 
 98 
 
 .7500000 
 
 .2500000 9.3979400 
 
 54 
 
 .0203133 
 
 .9796867 
 
 9.991d^72 
 
 99 
 
 1.000000 
 
 .0000000 ; 
 
TABZ.S VIZ. 
 
 EXPECTATION OF LIFE. 
 
 Shewing the Expectation of Life at every Age 
 according to the Law of Mortality amongst Assured 
 Lives. (Deduced from Table V.) 
 
 Completed 
 
 Expectation 
 
 Completed 
 
 Expectation 
 
 Age. 
 
 of Life. 
 
 Age. 
 
 of Life. 
 
 10 
 
 48.36 
 
 55 
 
 16.86 
 
 11 
 
 47.68 
 
 56 
 
 16.22 
 
 12 
 
 47.01 
 
 57 
 
 15.59 
 
 13 
 
 46.33 
 
 58 
 
 14.97 
 
 14 
 
 45.64 
 
 59 
 
 14.37 
 
 15 
 
 44.96 
 
 60 
 
 13.77 
 
 16 
 
 44.27 
 
 61 
 
 13.18 
 
 17 
 
 43.58 
 
 62 
 
 12.61 
 
 18 
 
 42.88 
 
 63 
 
 12.05 
 
 19 
 
 42.19 
 
 64 
 
 11.51 
 
 20 
 
 41.49 
 
 65 
 
 10.97 
 
 21 
 
 40.79 
 
 66 
 
 10.46 
 
 22 
 
 40.09 
 
 67 
 
 9.96 
 
 23 
 
 39.39 
 
 68 
 
 9.47 
 
 24 
 
 38.68 
 
 69 
 
 9.00 
 
 25 
 
 37.98 
 
 70 
 
 8.54 
 
 26 
 
 37.27 
 
 71 
 
 8.10 
 
 27 
 
 36.56 
 
 72 
 
 7.67 
 
 28 
 
 35.86 
 
 73 
 
 7.26 
 
 29 
 
 35.15 
 
 74 
 
 6.86 
 
 30 
 
 34.43 
 
 75 
 
 6.48 
 
 31 
 
 33.72 
 
 76 
 
 6.11 
 
 32 
 
 33.01 
 
 77 
 
 5.76 
 
 33 
 
 32.30 
 
 78 
 
 5.42 
 
 34 
 
 31.58 
 
 79 
 
 5.09 
 
 35 
 
 30.87 
 
 80 
 
 4.78 
 
 36 
 
 30.15 
 
 81 
 
 4.48 
 
 37 
 
 29.44 
 
 82 
 
 4.18 
 
 38 
 
 28.72 
 
 83 
 
 3.90 
 
 39 
 
 28.00 
 
 84 
 
 3.63 
 
 40 
 
 27.28 
 
 85 
 
 3.36 
 
 41 
 
 26.56 
 
 86 
 
 3.10 
 
 42 
 
 25.84 
 
 87 
 
 2.84 
 
 43 
 
 25.12 
 
 88 
 
 2.59 
 
 44 
 
 24.40 
 
 89 
 
 2.35 
 
 45 
 
 23.69 
 
 90 
 
 2.11 
 
 46 
 
 22.97 
 
 91 
 
 1.89 
 
 47 
 
 22.27 
 
 92 
 
 1.67 
 
 48 
 
 21.56 
 
 93 
 
 1.47 
 
 49 
 
 20.87 
 
 94 
 
 1.28 
 
 50 
 
 20.18 
 
 95 
 
 1.12 
 
 51 
 
 19.50 
 
 96 
 
 .99 
 
 52 
 
 18.82 
 
 97 
 
 .89 
 
 53 
 
 18.16 
 
 98 . 
 
 .75 
 
 54 
 
 17.50 
 
 99 
 
 .50 
 
TABXiS VXXZ. 
 
 COMPARATIVE EXPECTATIONS OF LIFE. 
 
 Shewing the Expectation or Average duration of Life deduced from Eight 
 Original Tables prepared under the Superintendence of a Committee of eminent 
 Actuaries, and compared with the Carlisle, Equitable, and Northampton Tables. 
 
 
 Male 
 
 Female 
 
 
 
 
 
 
 
 
 
 
 
 
 Lives- 
 Town, 
 Coun- 
 try and 
 
 Lives- 
 Town, 
 Coun- 
 try and 
 
 Town 
 Expe- 
 rience. 
 
 Coun- 
 try 
 Expe- 
 
 Irish 
 Expe- 
 rience. 
 
 Com- 
 bined 
 Town 
 Expe- 
 rience. 
 
 Gene- 
 ral 
 Expe- 
 
 Ad- 
 justed 
 Expe- 
 rience. 
 
 Car- 
 lisle 
 Expe- 
 
 Equi- 
 table 
 Expe- 
 
 North 
 amp- 
 tan 
 Expe- 
 rience 
 
 at* 
 
 o 
 O 
 
 Irish 
 Expe- 
 
 Irish 
 Expe- 
 
 
 rience. 
 
 
 rience. 
 
 (Table 
 7.) 
 
 rience. 
 
 rience. 
 
 o 
 O 
 
 
 rience, 
 
 rience. 
 
 
 
 
 41.55 
 
 
 
 41.46 
 
 
 
 20 
 
 20 
 
 39.84 
 
 85.86 
 
 41.22 
 
 40.83 
 
 34.95 
 
 40.97 
 
 41.49 
 
 41.06 
 
 33.43 
 
 21 
 
 39.29 
 
 86.01 
 
 40.68 
 
 40.29 
 
 .34.48 
 
 40.96 
 
 40.45 
 
 40.79 
 
 40.75 
 
 40.33 
 
 32.90 
 
 21 
 
 22 
 
 38.70 
 
 86.20 
 
 40.47 
 
 39.89 
 
 33.48 
 
 40.38 
 
 89.92 
 
 40.09 
 
 40.04 
 
 39.60 
 
 32.39 
 
 22 
 
 23 
 
 37.98 
 
 85.41 
 
 39.87 
 
 88.98 
 
 32.78 
 
 39.65 
 
 39.18 
 
 39.39 
 
 39-31 
 
 38.88 
 
 31.88 
 
 23 
 
 24 
 
 37.41 
 
 84.81 
 
 89.28 
 
 88.37 
 
 32.64 
 
 38.98 
 
 88.54 
 
 88,68 
 
 38.59 
 
 38.16 
 
 31.36 
 
 24 
 
 25 
 
 36.63 
 
 84.41 
 
 88.56 
 
 87.55 
 
 31.94 
 
 88-26 
 
 87.84 
 
 37.98 
 
 37.86 
 
 37.44 
 
 30.85 
 
 25 
 
 26 
 
 35.88 
 
 83.79 
 
 87.82 
 
 36.88 
 
 31.05 
 
 37.54 
 
 37.13 
 
 37.27 
 
 37.14 
 
 36.78 
 
 30.33 
 
 26 
 
 27 
 
 35.23 
 
 38.14 
 
 37.10 
 
 36.12 
 
 30.99 
 
 86.81 
 
 86.42 
 
 .36.56 
 
 36.41 
 
 36.02 
 
 29.82 
 
 27 
 
 28 
 
 34.63 
 
 83.07 
 
 86.45 
 
 85.54 
 
 30.76 
 
 36.12 
 
 35.76 
 
 35.86 
 
 35.69 
 
 35.33 
 
 29.30 
 
 28 
 
 29 
 
 33.96 
 
 82.61 
 
 85.67 
 
 84.91 
 
 30.56 
 
 85.38 
 
 35.06 
 
 35.15 
 
 85.00 
 
 34.65 
 
 28.79 
 
 29 
 
 30 
 
 33.17 
 
 81.73 
 
 34.84 
 
 34.20 
 
 29.71 
 
 34.54 
 
 34-25 
 
 34.43 
 
 34.34 
 
 33.98 
 
 28.27 
 
 30 
 
 31 
 
 32.44 
 
 31.04 
 
 34.07 
 
 33.51 
 
 29.08 
 
 83.78 
 
 33.50 
 
 33.72 
 
 33.68 
 
 33.30 
 
 27.76 
 
 31 
 
 32 
 
 81.73 
 
 80.51 
 
 3334 
 
 32.86 
 
 28.36 
 
 .33.01 
 
 32.75 
 
 33.01 
 
 38.03 
 
 32.64 
 
 27.24 
 
 32 
 
 33 
 
 30.92 
 
 29.86 
 
 82.53 
 
 32.05 
 
 27.63 
 
 32.22 
 
 31.98 
 
 32.30 
 
 32.36 
 
 31.98 
 
 26-72 
 
 33 
 
 34 
 
 30.21 
 
 29.60 
 
 31-87 
 
 31.41 
 
 26.85 
 
 81.51 
 
 .'31.27 
 
 31.58 
 
 3L68 
 
 31.32 
 
 26.20 
 
 34 
 
 35 
 
 29.52 
 
 29.07 
 
 31.12 
 
 30.78 
 
 26.30 
 
 30.77 
 
 80.55 
 
 30.87 
 
 31.00 
 
 30.66 
 
 25.68 
 
 35 
 
 36 
 
 28.87 
 
 28.88 
 
 30.44 
 
 30.20 
 
 25.77 
 
 30.08 
 
 29.90 
 
 30.15 
 
 80..82 
 
 30.01 
 
 25.16 
 
 36 
 
 37 
 
 28.15 
 
 28.30 
 
 2969 
 
 29.45 
 
 25.26 
 
 29.37 
 
 29.20 
 
 29.44 
 
 29.64 
 
 29.35 
 
 24.64 
 
 37 
 
 88 
 
 27.49 
 
 27.62 
 
 29.00 
 
 28.81 
 
 24.61 
 
 28.65 
 
 28.51 
 
 28.72 
 
 28.96 
 
 28.70 
 
 24.12 
 
 38 
 
 89 
 
 26.81 
 
 27.00 
 
 28.34 
 
 28.16 
 
 28.93 
 
 27.92 
 
 27.79 
 
 28.00 
 
 28.28 
 
 28.05 
 
 23.60 
 
 89 
 
 40 
 
 26.06 
 
 26-36 
 
 27-53 
 
 27.38 
 
 23-36 
 
 27,20 
 
 27.07 
 
 27.28 
 
 27-61 
 
 27.40 
 
 23.08 
 
 40 
 
 41 
 
 25.42 
 
 25.84 
 
 26-85 
 
 26.73 
 
 22.86 
 
 26.51 
 
 26.41 
 
 26.56 
 
 26.97 
 
 26.74 
 
 22.56 
 
 41 
 
 42 
 
 24.70 
 
 •25.34 
 
 26-19 
 
 26.01 
 
 22.14 
 
 25.79 
 
 25.68 
 
 25.84 
 
 26.84 
 
 26.07 
 
 22.04 
 
 42 
 
 43 
 
 24.00 
 
 24.57 
 
 25.47 
 
 25.22 
 
 21.56 
 
 25.07 
 
 24.98 
 
 25.12 
 
 25.71 
 
 25.40 
 
 21.54 
 
 43 
 
 44 
 
 23.34 
 
 23.94 
 
 24.77 
 
 24.59 
 
 21.00 
 
 24.32 
 
 24.26 
 
 24.40 
 
 25.09 
 
 24.75 
 
 21.03 
 
 44 
 
 45 
 
 22.63 
 
 23.21 
 
 24.08 
 
 23.83 
 
 20.30 
 
 23.61 
 
 23.55 
 
 2369 
 
 24.46 
 
 24.10 
 
 20.52 
 
 45 
 
 46 
 
 21.98 
 
 22.60 
 
 2342 
 
 23.13 
 
 19.76 
 
 22.90 
 
 22.85 
 
 22.97 
 
 23.82 
 
 23.44 
 
 20.02 
 
 46 
 
 47 
 
 21.24 
 
 21.97 
 
 22.70 
 
 22.34 
 
 19.12 
 
 22.15 
 
 22.12 
 
 22.27 
 
 23.17 
 
 22.78 
 
 19.51 
 
 47 
 
 48 
 
 20.62 
 
 21.16 
 
 22.01 
 
 21.67 
 
 18.59 
 
 21.44 
 
 21.41 
 
 21.56 
 
 22.50 
 
 22.12 
 
 19.00 
 
 48 
 
 49 
 
 20.08 
 
 20.69 
 
 21.34 
 
 21.13 
 
 18.27 
 
 20.77 
 
 20.79 
 
 20.87 
 
 21.81 
 
 21.47 
 
 18.49 
 
 49 
 
 60 
 
 19.41 
 
 20.05 
 
 20.58 
 
 20.48 
 
 17.76 
 
 20.07 
 
 20.11 
 
 20.18 
 
 21.11 
 
 20.83 
 
 17.99 
 
 50 
 
 51 
 
 18-73 
 
 19.46 
 
 19.89 
 
 19.73 
 
 17.20 
 
 19.41 
 
 19.46 
 
 19.50 
 
 20.39 
 
 20.20 
 
 17..50 
 
 51 
 
 52 
 
 18.05 
 
 18.80 
 
 19.17 
 
 19 03 
 
 16.62 
 
 18,75 
 
 18.79 
 
 18.82 
 
 19-68 
 
 19.59 
 
 17.02 
 
 52 
 
 53 
 
 17-40 
 
 18.31 
 
 18.52 
 
 18.30 
 
 16.11 
 
 18.11 
 
 18.16 
 
 18.16 
 
 18.97 
 
 19.00 
 
 16.54 
 
 53 
 
 54 
 
 16-77 
 
 17.58 
 
 17.95 
 
 17.55 
 
 15.51 
 
 17.46 
 
 17.50 
 
 17.50 
 
 18.28 
 
 18.43 
 
 16.06 
 
 54 
 
 55 
 
 16.21 
 
 16.78 
 
 17.25 
 
 16.96 
 
 15.04 
 
 16,76 
 
 1683 
 
 16.86 
 
 17.58 
 
 17.85 
 
 15.58 
 
 55 
 
 56 
 
 15.66 
 
 16.07 
 
 16.74 
 
 16.40 
 
 14.41 
 
 16,17 
 
 16.23 
 
 16.22 
 
 16.89 
 
 17.28 
 
 15.10 
 
 56 
 
 57 
 
 15.09 
 
 15.39 
 
 16.08 
 
 15.87 
 
 13.85 
 
 15,56 
 
 15,62 
 
 15.59 
 
 16.21 
 
 16.71 
 
 14.63 
 
 57 
 
 58 
 
 14-45 
 
 14.79 
 
 15.85 
 
 15.24 
 
 13.34 
 
 14.90 
 
 14,98 
 
 14.97 
 
 15.55 
 
 16.15 
 
 14.15 
 
 58 
 
 59 
 
 13-99 
 
 14.28 
 
 14.86 
 
 14.60 
 
 13.04 
 
 14,25 
 
 14.38 
 
 14.37 
 
 14.92 
 
 15.60 
 
 13.68 
 
 59 
 
 60 
 
 13.47 
 
 18.78 
 
 14.23 
 
 14.03 
 
 12.67 
 
 13.68 
 
 13.81 
 
 13.77 
 
 14.34 
 
 15.06 
 
 13.21 
 
 60 
 
 61 
 
 12.99 
 
 13.10 
 
 13.58 
 
 13.50 
 
 12.29 
 
 13.08 
 
 13.24 
 
 18.18 
 
 13,82 
 
 14.51 
 
 12.75 
 
 61 
 
 62 
 
 12.46 
 
 12.41 
 
 13.01 
 
 12.87 
 
 11.81 
 
 12 52 
 
 12.68 
 
 12.61 
 
 13.31 
 
 13.96 
 
 12.28 
 
 62 
 
 63 
 
 11.90 
 
 11.87 
 
 12.26 
 
 12.26 
 
 11.45 
 
 11.91 
 
 12.09 
 
 12.05 
 
 12.81 
 
 13.42 
 
 11.81 
 
 63 
 
 64 
 
 11.27 
 
 11.09 
 
 11.62 
 
 11.75 
 
 10.67 
 
 11.32 
 
 11.50 
 
 11.51 
 
 12.30 
 
 12.88 
 
 11.35 
 
 64 
 
 65 
 
 10.87 
 
 10.60 
 
 11.18 
 
 11.44 
 
 10.19 
 
 10.86 
 
 11.03 
 
 10.97 
 
 11.79 
 
 12.35 
 
 10.88 
 
 65 
 
 66 
 
 10.38 
 
 10-00 
 
 10.69 
 
 10.82 
 
 9.74 
 
 10.37 
 
 10.51 
 
 10.46 
 
 11.27 
 
 11.83 
 
 10.42 
 
 66 
 
 67 
 
 9.93 
 
 9.56 
 
 10.11 
 
 10.26 
 
 9.44 
 
 9.87 
 
 10.03 
 
 9.96 
 
 10.75 
 
 11.32 
 
 9.96 
 
 67 
 
 68 
 
 9-33 
 
 8-85 
 
 9.57 
 
 9.72 
 
 8.73 
 
 9.S1 
 
 9.46 
 
 9,47 
 
 10.23 
 
 10.82 
 
 9.50 
 
 68 
 
 69 
 
 8.81 
 
 8.38 
 
 9.29 
 
 8.94 
 
 8.27 
 
 8,88 
 
 8.99 
 
 9.00 
 
 9.70 
 
 10.32 
 
 9.05 
 
 69 
 
 70 
 
 8.34 
 
 7.98 
 
 8.61 
 
 8.48 
 
 7.92 
 
 844 
 
 8.50 
 
 8.54 
 
 9,18 
 
 9.84 
 
 8.60 
 
 70 
 
 71 
 
 7-88 
 
 7.31 
 
 8.33 
 
 7.92 
 
 7.37 
 
 8.10 
 
 8.13 
 
 8.10 
 
 8.65 
 
 9.36 
 
 8,17 
 
 71 
 
 72 
 
 7.43 
 
 6.63 
 
 7.65 
 
 7.37 
 
 6.98 
 
 7.69 
 
 7.72 
 
 7.67 
 
 8,16 
 
 8.88 
 
 7,74 
 
 72 
 
 73 
 
 6.97 
 
 6.19 
 
 7.08 
 
 6.76 
 
 6.70 
 
 7.22 
 
 7.26 
 
 7.26 
 
 7,72 
 
 8.42 
 
 7,83 
 
 73 
 
 74 
 
 6.57 
 
 5.72 
 
 6.53 
 
 6.81 
 
 6.37 
 
 6.79 
 
 6.84 
 
 6.86 
 
 7.33 
 
 7.97 
 
 6.92 
 
 74 
 
 75 
 
 6.03 
 
 5.37 
 
 6-29 
 
 5.55 
 
 5.97 
 
 6.45 
 
 6.46 
 
 6.48 
 
 7-01 
 
 7.52 
 
 6.54 
 
 75 
 
 76 
 
 5.63 
 
 5.45 
 
 6.34 
 
 5.45 
 
 5.34 
 
 6.10 
 
 6.08 
 
 6.11 
 
 6-69 
 
 7.08 
 
 6.18 
 
 76 
 
 77 
 
 5.48 
 
 4.78 
 
 5.52 
 
 4.90 
 
 5.59 
 
 6.74 
 
 5.77 
 
 5.76 
 
 6-40 
 
 6.64 
 
 5.83 
 
 77 
 
 78 
 
 5.16 
 
 4.56 
 
 5.19 
 
 4.69 
 
 5.23 
 
 5.32 
 
 5.37 
 
 5.42 
 
 6.12 
 
 6.20 
 
 6.48 
 
 78 
 
 79 
 
 4.99 
 
 4.80 
 
 5.82 
 
 4.91 
 
 4.80 
 
 6.05 
 
 5.07 
 
 5.09 
 
 5.80 
 
 6.78 
 
 5.11 
 
 79 
 
 80 
 
 4.75 
 
 4.75 
 
 4.76 
 
 4.75 
 
 4.76 
 
 4.75 
 
 475 
 
 4.78 
 
 5.51 
 
 5.3S 
 
 4.75 
 
 80 
 
TABXjB 2X. 
 
 LIFE ANNUITIES AND ASSURANCES- 
 
 SINGLE LIVES. 
 
 Preparatory Table for determining the values of Annuities and As- 
 surances for the whole term of Life, or for temporary and deferred 
 periods, according to the combined experience of various Life Offices. 
 
 (21 PER CENT.) 
 
 Age 
 
 D 
 
 N 
 
 S 
 
 M 
 
 R 
 
 10 
 
 78119.840 2 
 
 017796.413 
 
 43023298.36 
 
 26999.930 
 
 995447.53 
 
 11 
 
 75699.268 1 
 
 942097.145 
 
 41005501.95 
 
 26484.720 
 
 968447.00 
 
 12 
 
 73351.788 1 
 
 868745.357 
 
 39063404.80 
 
 25983.563 
 
 941962.88 
 
 13 
 
 71075.238 1 
 
 797670.119 
 
 37194659.45 
 
 25496.081 
 
 915979.32 
 
 14 
 
 68866.811 1 
 
 728803.308 
 
 35396989.33 
 
 25021.196 
 
 890483.24 
 
 15 
 
 66723.830 1 
 
 662079.478 
 
 33668186.02 
 
 24557.894 
 
 865462.04 
 
 16 
 
 64644.416 1 
 
 597435.062 
 
 32006106.54 
 
 24105.891 
 
 840904.15 
 
 17 
 
 62626.089 1 
 
 534808.973 
 
 30408671.48 
 
 23664.256 
 
 816798.26 
 
 18 
 
 60667.118 1 
 
 474141.855 
 
 28873862.51 
 
 23232.751 
 
 793134.00 
 
 19 
 
 58765.202 1 
 
 415376.653 
 
 27399720.65 
 
 22810.520 
 
 769901.25 
 
 20 
 
 56918.750 1 
 
 358457.903 
 
 25984344.00 
 
 22397.367 
 
 747090.73 
 
 21 
 
 55125.625 1 
 
 303332.278 
 
 24625886.10 
 
 21992.504 
 
 724693.36 
 
 22 
 
 53384.367 1 
 
 249947.911 
 
 23322553.82 
 
 21595.774 
 
 702700.86 
 
 23 
 
 51693.555 1 
 
 198254.356 
 
 22072605.91 
 
 21207.019 
 
 681 105.08 
 
 24 
 
 50051.252 1 
 
 148203.104 
 
 20874351.55 
 
 20825.535 
 
 659898.07 
 
 25 
 
 48456.153 1 
 
 099746.951 
 
 19726148.45 
 
 20451.198 
 
 639072.53 
 
 26 
 
 469116.984 1 
 
 052839.967 
 
 18626401.50 
 
 20083.886 
 
 618621.33 
 
 27 
 
 45401.991 1 
 
 007437.976 
 
 17573561.53 
 
 19722.966 
 
 598537.45 
 
 28 
 
 43940.002 
 
 963497.974 
 
 16566123.55 
 
 19368.345 
 
 578814.48 
 
 29 
 
 42519.392 
 
 920978.582 
 
 15602625.58 
 
 19019.441 
 
 559446.13 
 
 30 
 
 41139.080 
 
 879839.502 
 
 14681647.00 
 
 18676.186 
 
 540426.69 
 
 31 
 
 39797.549 
 
 840041.953 
 
 13801807.50 
 
 18338.048 
 
 521750.50 
 
 32 
 
 38493.809 
 
 801548,144 
 
 12961765.54 
 
 18004.980 
 
 503412.46 
 
 33 
 
 37226.450 
 
 764321.694 
 
 12160217.40 
 
 17676.494 
 
 485407.48 
 
 34 
 
 35994.559 
 
 728327.135 
 
 11395895.70 
 
 17352.565 
 
 467730.99 
 
 35 
 
 34797.245 
 
 693529.890 
 
 10667568.57 
 
 17033.166 
 
 45037842 
 
 36 
 
 33633.221 
 
 659896.669 
 
 9974038.68 
 
 16717.857 
 
 433345.25 
 
 37 
 
 32.501.671 
 
 627394.998 
 
 9314142.011 
 
 16406.629 
 
 416627.40 
 
 38 
 
 31401.789 
 
 595993.209 
 
 8686747.013 
 
 16099.470 
 
 400220.77 
 
 39 
 
 30332.407 
 
 565660.802 
 
 8090753.804 
 
 15795.986 
 
 384121.30 
 
 40 
 
 29292.785 
 
 536368.017 
 
 7525093.002 
 
 15496.179 
 
 368325.31 
 
 41 
 
 28282.199 
 
 508085.818 
 
 6988724.985 
 
 15200.052 
 
 352829.13 
 
 42 
 
 27299.586 
 
 480786.232 
 
 6480639.167 
 
 14907.247 
 
 337629 08 
 
 43 
 
 26343.583 
 
 454442.649 
 
 5999852.935 
 
 14617.088 
 
 322721.83 
 
 44 
 
 25411.901 
 
 429030.748 
 
 5545410.286 
 
 14327.933 
 
 308104.75 
 
 45 
 
 24502.096 
 
 404528.652 
 
 5116379.538 
 
 14037.931 
 
 293776.81 
 
 46 
 
 23612.563 
 
 380916.089 
 
 4711850.886 
 
 13746.009 
 
 279738.88 
 
 47 
 
 22740.880 
 
 358175.209 
 
 4330934.797 
 
 13450.242 
 
 265992.87 
 
 48 
 
 21886.361 
 
 336288.848 
 
 3972759.588 
 
 13150.378 
 
 252542.63 
 
 49 
 
 21048.068 
 
 315240.780 
 
 3636470.740 
 
 12845.900 
 
 239392.25 
 
 50 
 
 20225.429 
 
 295015.351 
 
 3321229.960 
 
 12536.629 
 
 226546.35 
 
 51 
 
 19417.625 
 
 275597.726 
 
 3026214.609 
 
 12222.127 
 
 214009.72 
 
 52 
 
 18623.901 
 
 256973.825 
 
 2750616.883 
 
 11902.004 
 
 201787.60 
 
 53 
 
 17843.565 
 
 239130.260 
 
 2493643.058 
 
 11575.911 
 
 189885.59 
 
 64 
 
 17075.983 
 
 222054.277 
 
 2254512.798 
 
 11243.537 
 
 178309.68 
 
V or 
 
 LIFE ANNUITIES AND ASSURANCES— SINGLE LIVES. 
 
 Prepai-atory Table for determining the values of Annuities and As- 
 surances for the whole term of Lite, or for temporary and deferred 
 periods, according to the combined experience of various Life Offices. 
 
 (•2.3 PER CENT.) 
 
 Age. 
 
 D 
 
 1 
 N 
 
 S 
 
 M 
 
 R 
 
 55 
 
 16321.086 
 
 205733.191 
 
 2032458.521 1 
 
 10905.127 
 
 167066.15 
 
 56 
 
 15578.052 
 
 19015.5.139 j 
 
 1826725.330 
 
 10560.169 i 
 
 156161.02 
 
 57 
 
 14846.625 ; 
 
 175308.514 
 
 1636570.191 
 
 10208.694 ; 
 
 145600.85 
 
 58 
 
 14127.044 
 
 101181.470 
 
 1401261.677 
 
 9851.2260 
 
 135392.16 
 
 59 
 
 13418.823 
 
 147762.647 i 
 
 1300080.207 , 
 
 9487.5666 
 
 12c 540.93 
 
 60 
 
 12721.745 i 
 
 135040.902 
 
 1152317.560 
 
 9117.7762 
 
 116053.36 
 
 61 
 
 12034.944 1 
 
 123005.958 
 
 1017276.658 
 
 8741.2616 
 
 106935.59 
 
 62 1 
 
 11358.501 ' 
 
 111647.4.57 
 
 894270.700 
 
 8358.3544 
 
 98194.325 
 
 63 1 
 
 10692.278 
 
 100955.179 
 
 78-2623.243 
 
 7969.1683 
 
 89835.971 
 
 64 
 
 10036.765 
 
 90918.414 
 
 681668.064 
 
 7574.4433 
 
 81866.803 
 
 65 
 
 9392.203 
 
 81526.211 
 
 590749.650 
 
 7174.6810 
 
 74292.350 
 
 66 
 
 8759.199 
 
 72767.012 
 
 509223.439 
 
 6770.7540 
 
 67117.678 
 
 67 
 
 8138.674 
 
 64628.338 
 
 436456,427 
 
 6363.8681 
 
 60346.924 
 
 68 
 
 7531.456 
 
 57096.882 
 
 371828.089 
 
 5955.1541 
 
 53983.056 
 
 69 
 
 6939.006 
 
 50157.876 
 
 314731.207 
 
 5546.3992 
 
 48027.902 
 
 70 
 
 6362.987 
 
 43794.889 
 
 264573.331 
 
 5139.6239 
 
 42481.503 
 
 71 
 
 5804.703 
 
 37990.186 
 
 220778.442 
 
 4736.5340 
 
 37341.879 
 
 72 
 
 5265.810 
 
 32724.376 
 
 182788.2.56 
 
 4.339.2196 
 
 32605.345 
 
 73 
 
 4747.937 
 
 27976439 
 
 150063.880 
 
 3949.7823 
 
 28266.125 
 
 74 
 
 4252.839 
 
 23723.600 
 
 122087.441 
 
 3570.4868 
 
 24316.343 
 
 75 
 
 3782.049 
 
 19941.551 
 
 98363 841 
 
 3203.4240 
 
 20745.856 
 
 76 
 
 33.37.205 
 
 16604.346 
 
 78422.290 
 
 2850.8258 
 
 17542.4.32 
 
 77 
 
 2919.878 
 
 13084.468 
 
 61817.944 
 
 2514.8935 
 
 14691.007 
 
 78 
 
 2531.123 
 
 11153.345 
 
 48133.476 
 
 2197.3555 
 
 12176.713 
 
 79 
 
 2171.964 
 
 8981.381 
 
 36980.131 
 
 1899.9313 
 
 9979.358 
 
 80 
 
 1843.384 
 
 7137.997 
 
 27998.750 
 
 1624.3254 
 
 8079.426 
 
 81 
 
 1545.913 
 
 5592.084 
 
 20860.753 
 
 1371.8155 
 
 6455.101 
 
 82 
 
 1279.812 
 
 4312.272 
 
 15268.669 
 
 1143.4192 
 
 5083.285 
 
 83 
 
 1044.833 
 
 3267.4392 
 
 10956.3972 
 
 939.6561 
 
 3939.866 
 
 84 
 
 840.0336 
 
 2427.4056 
 
 7688.9580 
 
 760.3400 
 
 3000.210 
 
 85 
 
 664.0951 
 
 1763.3105 
 
 5261.5524 
 
 604.8901 
 
 2239.870 
 
 86 
 
 515.0171 
 
 1248.2934 
 
 3498.2419 
 
 472.0095 
 
 1634.980 
 
 87 
 
 390.6691 
 
 857.6243 
 
 2249.9485 
 
 360.2230 
 
 1162.970 
 
 88 
 
 288.8154 
 
 568.8089 
 
 ' 1392.3242 
 
 267.8977 
 
 802.7475 
 
 89 
 
 207.0245 
 
 361.7844 
 
 823.5153 
 
 193.1512 
 
 534.8498 
 
 90 
 
 142.9213 
 
 218.86312 
 
 461.73086 
 
 134.0973 
 
 341.6986 
 
 91 
 
 94.29596 
 
 124.56716 
 
 242.86774 
 
 88.95783 
 
 207.6014 
 
 92 
 
 58.78672 
 
 65.78044 
 
 ! 118.30058 
 
 55.74849 
 
 118.6435 
 
 93 
 
 34.10988 
 
 31.67056 
 
 52..52014 
 
 32.50548 
 
 62.8951 
 
 94 
 
 18.06236 
 
 13.60820 
 
 i 20.84958 
 
 1 
 
 17.28990 
 
 30.3896 
 
 95 
 
 8.52359 
 
 1 5.08461 
 
 7.24138 
 
 8.19168 
 
 13.0997 
 
 96 
 
 3.45709 
 
 1 162752 
 
 ! 2.15677 
 
 3.33.307 
 
 4.90799 
 
 97 
 
 1.18503 
 
 i 0.44249 
 
 0.52925 
 
 1.145331 
 
 1.57492 
 
 98 
 
 0.35573 
 
 1 0.08676 
 
 0.08676 
 
 0.344938 
 
 0.42958 
 
 99 
 
 0.08676 
 
 0.00000 
 
 0.00000 
 
 0.084647 
 
 0.08465 
 
TABXiE X. 
 
 LIFE ANNUITIES AND ASSURANCES- 
 
 SINGLE LIVES. 
 
 Preparatory Table for determining the values of Annuities and As- 
 surances, for the whole term of Life, or for temporary and deferred 
 periods, according to the combined experience of various Life Offices. 
 
 (3 PER CENT.) 
 
 Age. 
 
 D 
 
 N 
 
 S 
 
 M 
 
 R 
 
 10 
 
 74409.391 
 
 1737895.587 
 
 34875249.57 
 
 21623.808 
 
 743735.36 
 
 11 
 
 71753.769 
 
 1666141.818 
 
 33137353.98 
 
 21135.452 
 
 722111.55 
 
 12 
 
 69191.125 
 
 1596950.693 
 
 31471212.16 
 
 20662.722 
 
 700976.10 
 
 13 
 
 66718.250 
 
 1530232.443 
 
 29874261.47 
 
 20205.122 
 
 680313.37 
 
 14 
 
 64331.391 
 
 1465901.052 
 
 28344029.03 
 
 19761.512 
 
 660108.25 
 
 15 
 
 62026.971 
 
 1403874.081 
 
 26878127.98 
 
 19330.823 
 
 640346.74 
 
 16 
 
 59802.215 
 
 1344071.866 
 
 25474253.90 
 
 18912.678 
 
 621016.92 
 
 17 
 
 57653.833 
 
 1286418.033 
 
 24130182.03 
 
 18506.107 
 
 602103.24 
 
 18 
 
 65579.278 
 
 1230838.755 
 
 22843764.00 
 
 18110.790 
 
 683597.13 
 
 19 
 
 53575.521 
 
 1177263.234 
 
 21612925.25 
 
 17725.847 
 
 565486.34 
 
 20 
 
 51640.230 
 
 1125623.004 
 
 20435662.02 
 
 17351.009 
 
 547760.50 
 
 21 
 
 49770.613 
 
 1075852.391 
 
 19310039.02 
 
 16985.475 
 
 630409.49 
 
 22 
 
 47964.530 
 
 1027887.861 
 
 18234186.63 
 
 16629.022 
 
 613424.01 
 
 23 
 
 46219.915 
 
 981667.946 
 
 17206298.77 
 
 16281.432 
 
 496794.99 
 
 24 
 
 44534.270 
 
 937133.676 
 
 16224630.82 
 
 15941.998 
 
 480513.66 
 
 25 
 
 42905.695 
 
 894227.981 
 
 15287497.14 
 
 15610.539 
 
 464671.56 
 
 26 
 
 41332.357 
 
 852895.624 
 
 14393269.16 
 
 15286.880 
 
 448961.02 
 
 27 
 
 39812.019 
 
 813083.605 
 
 13540373.54 
 
 14970.398 
 
 433674.14 
 
 28 
 
 38342.995 
 
 774740.610 
 
 127272e9.93 
 
 14660.947 
 
 418703.74 
 
 29 
 
 36923.226 
 
 737817.384 
 
 11952549.32 
 
 14357.964 
 
 404042.80 
 
 30 
 
 35551.161 
 
 702266.223 
 
 11214731.94 
 
 14061.333 
 
 389684.83 
 
 31 
 
 34224.900 
 
 668041.323 
 
 10512465.72 
 
 13770.543 
 
 376623.50 
 
 32 
 
 32943.018 
 
 635098.305 
 
 9844424.394 
 
 13485.503 
 
 361862.96 
 
 33 
 
 31703.760 
 
 603394.545 
 
 9209326.089 
 
 13205.750 
 
 348367.46 
 
 34 
 
 30505.816 
 
 572888.729 
 
 8605931.544 
 
 12931.216 
 
 335161.70 
 
 35 
 
 29347.917 
 
 543540.812 
 
 8033042.815 
 
 12661.835 
 
 322230.49 
 
 36 
 
 28228.483 
 
 615312.329 
 
 7489502.003 
 
 12397.196 
 
 309568.65 
 
 37 
 
 27146.347 
 
 488165.982 
 
 6974189.674 
 
 12137.249 
 
 297171.46 
 
 38 
 
 26100.374 
 
 462065.608 
 
 6486023.692 
 
 11881.946 
 
 285034.21 
 
 39 
 
 25089.146 
 
 436976.462 
 
 6023958.084 
 
 11630.922 
 
 273162.26 
 
 40 
 
 24111.615 
 
 412864.847 
 
 6586981.622 
 
 11384.144 
 
 261521.34 
 
 41 
 
 23166.768 
 
 389698.079 
 
 5174116.775 
 
 11141.577 
 
 250137.19 
 
 42 
 
 22253.327 
 
 367444.752 
 
 4784418.696 
 
 10902.897 
 
 238995.62 
 
 43 
 
 21369.797 
 
 346074.955 
 
 4416973.944 
 
 10667.521 
 
 228092.72 
 
 44 
 
 20513.953 
 
 325561.002 
 
 4070898.989 
 
 10434.099 
 
 217425.20 
 
 45 
 
 19683.489 
 
 305877.513 
 
 3745337.987 
 
 10201.128 
 
 206991.10 
 
 46 
 
 18876.809 
 
 287000.704 
 
 3439460.474 
 
 9967.7548 
 
 196789.97 
 
 47 
 
 18091.700 1 
 
 268909.004 
 
 3152459.770 
 
 9732.4545 
 
 186822.22 
 
 48 
 
 17327.356 
 
 251581.648 
 
 2883550.766 
 
 9495.0537 
 
 177089.76 
 
 49 
 
 16582.791 
 
 234998.857 
 
 2631969.118 
 
 9266.1695 
 
 167594.71 
 
 50 
 
 15857.320 
 
 219141.537 
 
 2396970.261 
 
 9012.6917 
 
 168339.64 
 
 51 
 
 15150.075 
 
 203991.462 
 
 2177828.724 
 
 8767.3105 
 
 149326.86 
 
 52 
 
 14460.256 
 
 189531.206 
 
 1973837.262 
 
 8518.7657 
 
 140669.54 
 
 53 
 
 13787.122 
 
 175744.084 
 
 1784306.056 
 
 8266.7941 
 
 132040.78 
 
 54 
 
 1 
 
 13129.988 
 
 162614.096 
 
 1608561.972 
 
 8011.2270 
 
 123773.99 
 
LIFE ANNUITIES AND ASSURANCES-SINGLE LIVES. 
 
 Preparatory Table for determining the values of Annuities and As- 
 surances, for the \vhole term of Life, or for temporary and deferred 
 periods, accordino^ to the combined experience of various Life Offices, 
 
 (3 PER CENT.) 
 
 Years. 
 
 D 
 
 N 
 
 1 
 
 S 
 
 M 
 
 11 
 
 55 
 
 12488.615 
 
 [150125.481 
 
 1445947.876 
 
 7752.2815 
 
 115762.76 
 
 56 
 
 11862.195 
 
 1138263.286 
 
 1295822..395 
 
 7489.6060 
 
 108010.48 
 
 57 
 
 11250.356 
 
 127012.930 
 
 1157559.109 
 
 7223.2693 
 
 100520.87 
 
 58 
 
 10653.112 
 
 116359.8179 
 
 1030546.179 
 
 6053.7048 
 
 93297.003 
 
 59 
 
 10069.9246 
 
 106289.8933 
 
 914186.361 
 
 6680.8029 
 
 86343.898 
 
 60 
 
 9500.4702 
 
 96789.4231 
 
 807896.468 
 
 6404.6472 
 
 79663.095 
 
 61 
 
 8943.9451 
 
 87845.4780 
 
 711107.045 
 
 6124.8348 
 
 73258.448 
 
 62 
 
 8400.2602 
 
 79445.2178 
 
 623261.567 
 
 5841.6530 
 
 67133.613 
 
 63 
 
 7869.1640 
 
 71576.0538 
 
 543816.349 
 
 5555.2249 
 
 61291.960 
 
 64 
 
 7350.8705 
 
 64225.1833 
 
 472240.295 
 
 5266.1305 
 
 55736.735 
 
 65 
 
 6845.4050 
 
 57379.7783 
 
 408015.112 
 
 4974.7681 
 
 50470.605 
 
 66 
 
 6353.0557 
 
 51026.7226 
 
 350635.334 
 
 4681.7995 
 
 45495.837 
 
 67 
 
 5874.3331 
 
 45152.3895 
 
 299608.611 
 
 4388.1174 
 
 40814.037 
 
 68 
 
 5409.6665 
 
 39742.7230 
 
 254456.222 
 
 4094.5478 
 
 36425.920 
 
 69 
 
 4959.9295 
 
 34782.7935 
 
 214713.499 
 
 3802.3741 
 
 32331.372 
 
 70 
 
 4526.1183 
 
 30256.6752 
 
 179930.706 
 
 3513.0269 
 
 28528.998 
 
 71 
 
 4108.9560 
 
 26147.7192 
 
 149674.031 
 
 3227.6930 
 
 25015.971 
 
 72 
 
 3709.3972 
 
 22438.3220 
 
 123526.312 
 
 2947.8127 
 
 21788.278 
 
 73 
 
 3328.3564 
 
 19109.9656 
 
 101087.990 
 
 2674.8128 
 
 18840.465 
 
 74 
 
 2966.8145 
 
 16143.1511 
 
 81978.024 
 
 2410.2132 
 
 16165.652 
 
 75 
 
 2625.5795 
 
 13517.5716 
 
 65834.873 
 
 2155.3903 
 
 13755.439 
 
 76 
 
 2305.5134 
 
 11212.0582 
 
 52317.301 
 
 1911.7973 
 
 11600.049 
 
 77 
 
 2007.4097 
 
 9204.6485 
 
 41105.2426 
 
 1680.8446 
 
 9688.2516 
 
 78 
 
 1731 .6945 
 
 7472.9540 
 
 31900.5941 
 
 1463.5977 
 
 8007.4070 
 
 79 
 
 1478,7588 
 
 5994.1952 
 
 24427.6401 
 
 1261.0997 
 
 6543.8093 
 
 80 
 
 1248.9556 
 
 4745.23959 
 
 18433.4449 
 
 1074.3672 
 
 5282.7096 
 
 81 
 
 1042.3246 
 
 3702.91499 
 
 13688.2053 
 
 904.1136 
 
 4208.3424 
 
 82 
 
 858.71807 
 
 2844.19692 
 
 9985.2903 
 
 750.8660 
 
 3304.2288 
 
 83 
 
 697.65114 
 
 2146.54578 
 
 7141.0934 
 
 614.8103 
 
 2553.3628 
 
 84 
 
 558.18032 
 
 1588.36546 
 
 4994.5476 
 
 495.6595 
 
 1938.5525 
 
 85 
 
 439.13164 
 
 1149.23382 
 
 3406.1821 
 
 392.8685 
 
 1442.8930 
 
 86 
 
 338.90088 
 
 810.33294 
 
 2256.9483 
 
 305.42803 
 
 1050.0245 
 
 87 
 
 255.82730 
 
 554.50564 
 
 1446.6154 
 
 232.22536 
 
 744.5965 
 
 88 
 
 188.21086 
 
 366.29478 
 
 892.1098 
 
 172.06020 
 
 512.3711 
 
 89 
 
 134.25576 
 
 232.03902 
 
 525.8150 
 
 123.58696 
 
 340.3109 
 
 90 
 
 92.23475 
 
 139.80427 
 
 293.7760 
 
 85.47631 
 
 216.7239 
 
 91 
 
 60.55882 
 
 79.24545 
 
 153.9717 ' 
 
 56.48683 
 
 131.2476 
 
 92 
 
 37.57077 
 
 41.07468 
 
 74.72624 
 
 35.26264 
 
 74.76080 
 
 93 
 
 21.69390 
 
 19.98078 
 
 33.05156 
 
 20.48007 
 
 39.49816 
 
 94 
 
 11.43190 
 
 8.54888 
 
 13.07078; 
 
 10.84993 
 
 19.01809 
 
 95 
 
 5.36850 
 
 3.18038 
 
 4.52190 
 
 5.11950 
 
 8.16816 
 
 96 
 
 2.16684 
 
 1.01354 
 
 1.34152 i 
 
 2.07420 
 
 3.04806 
 
 97 
 
 0.73915 
 
 0.27439 
 
 0.32798 
 
 0.70962 
 
 0.97446 
 
 98 
 
 0.22080 
 
 0.05359 
 
 0.05359 
 
 0.21281 
 
 0.26484 
 
 99 1 
 
 0.05359 
 
 0.00000 
 
 0.00000 
 
 0.0520 3 
 
 0.05203 
 
LIFE ANNUITIES AND ASSURANCES- 
 
 SINGLE LIVES. 
 
 Preparatory Table for determining the values of Annuities and As- 
 surances for the whole term of Life, or for temporary and deferred 
 periods, according to the combined experience of various Life Offices. 
 
 (3i PER CENT.) 
 
 
 Age. 
 
 D 
 
 N 
 
 S 
 
 M 
 
 R 
 
 
 10 
 
 70891.881 
 
 1506695.178 
 
 27483798.21 
 
 17543.524 
 
 561018.40 
 
 
 11 
 
 68031.548 
 
 1438663.630 
 
 25977103.03 
 
 17080.501 
 
 543474.87 
 
 
 12 
 
 65284.922 
 
 1373378.708 
 
 24538439.40 
 
 16634.459 
 
 526394.37 
 
 
 13 
 
 62647.540 
 
 1310731.168 
 
 23165060.69 
 
 16204.779 
 
 509759.91 
 
 
 14 
 
 60114.491 
 
 1250616.677 
 
 21854329.52 
 
 15790.248 
 
 493555.13 
 
 
 16 
 
 57681.122 
 
 1192935.555 
 
 20603712.84 
 
 15389.734 
 
 477764.89 
 
 
 16 
 
 55343.582 
 
 1137591.973 
 
 19410777.28 
 
 15002.764 
 
 462375.15 
 
 
 17 
 
 53097.620 
 
 1084494.353 
 
 18273185.31 
 
 14628.324 
 
 447372.39 
 
 
 18 
 
 50939.731 
 
 1033554.622 
 
 17188690.96 
 
 14266.007 
 
 432744.06 
 
 
 19 
 
 48866.026 
 
 984688.596 
 
 16155136.34 
 
 13914.901 
 
 418478.06 
 
 
 20 
 
 46873.313 
 
 937815.283 
 
 15170447.74 
 
 13574.664 
 
 404563.16 
 
 
 21 
 
 44958.039 
 
 892857.244 
 
 14232632.46 
 
 13244.476 
 
 390988.49 
 
 
 22 
 
 43117.289 
 
 849739.955 
 
 13339775.21 
 
 12924.046 
 
 377744.02 
 
 
 23 
 
 41348.262 
 
 808391.693 
 
 13490035.26 
 
 12613.092 
 
 364819.97 
 
 
 24 
 
 39647.821 
 
 768743.872 
 
 12681643.57 
 
 12310.902 
 
 352206.88 
 
 
 25 
 
 38013.408 
 
 730730.464 
 
 11912899.69 
 
 12017.238 
 
 339895.98 
 
 
 26 
 
 36442.563 
 
 694287.901 
 
 11182169.23 
 
 11731.869 
 
 327878.74 
 
 
 27 
 
 34932.512 
 
 659355.389 
 
 10487881.33 
 
 11454.176 
 
 316146.87 
 
 
 28 
 
 33481.008 
 
 625874.381 
 
 9828525.940 
 
 11183.964 
 
 304692.69 
 
 
 29 
 
 32085.513 
 
 593788.868 
 
 9202651.559 
 
 10920.678 
 
 293508.73 
 
 
 30 
 
 30743.976 
 
 563044.892 
 
 8608862.691 
 
 10664.158 
 
 282588.05 
 
 
 31 
 
 29454.070 
 
 533590.822 
 
 8045817.799 
 
 10413.902 
 
 271923.89 
 
 
 32 
 
 28213.917 
 
 505376.905 
 
 7512226.977 
 
 10169.781 
 
 261509.99 
 
 
 33 
 
 27021.387 
 
 478355.518 
 
 7006850.072 
 
 9931.3450 
 
 251340.21 
 
 
 34 
 
 25874.763 
 
 452480.755 
 
 6528494.554 
 
 9698.4880 
 
 241408.86 
 
 
 35 
 
 24772.389 
 
 427708.366 
 
 6076013.799 
 
 9471.1055 
 
 231710.38 
 
 
 36 
 
 23712.374 
 
 403995.992 
 
 56483P5.433 
 
 9248.8038 
 
 222239.27 
 
 
 37 
 
 22693.202 
 
 381302.790 
 
 5244309.441 
 
 9031.4993 
 
 212990.47 
 
 
 38 
 
 21713.407 
 
 359589.383 
 
 4863006.651 
 
 8819.1082 
 
 203958.97 
 
 
 39 
 
 20771.315 
 
 338818.068 
 
 4503417.268 
 
 8611.2853 
 
 195139.86 
 
 
 40 
 
 19865.580 
 
 318952.488 
 
 4164599.200 
 
 8407.9645 
 
 186528.57 
 
 
 41 
 
 18994.913 
 
 299957.575 
 
 3845646.712 
 
 8209.0789 
 
 178120.61 
 
 
 42 
 
 18157.820 
 
 281799.755 
 
 3545689.137 
 
 8014.3254 
 
 169911.53 
 
 
 43 
 
 17352.658 
 
 264447.097 
 
 3263889.382 
 
 7823.1962 
 
 161897.20 
 
 
 44 
 
 16577.227 
 
 247869.870 
 
 2999442.285 
 
 7634.5685 
 
 154074.01 
 
 
 45 
 
 15829.291 
 
 232040.579 
 
 2751572.415 
 
 7447.2157 
 
 146439.44 
 
 
 46 
 
 15107.229 
 
 216933.350 
 
 2519531.836 
 
 7260.4454 
 
 138992.22 
 
 
 47 
 
 14408.955 
 
 202524.395 
 
 2302598.486 
 
 7073.0428 
 
 131731.78 
 
 
 48 
 
 13733.534 
 
 188790.861 
 
 2100074.091 
 
 6884.8807 
 
 124658.74 
 
 
 49 
 
 13079.903 
 
 175710.958 
 
 1911283.230 
 
 6695.6688 
 
 117773.86 
 
 
 50 
 
 12447.253 
 
 163263.705 
 
 1735572.272 
 
 6505.3351 
 
 111078.19 
 
 
 51 
 
 11834.648 
 
 151429.057 
 
 1572308.567 
 
 6313.6529 
 
 104572.85 
 
 
 52 
 
 11241.219 
 
 140187.838 
 
 1420879.510 
 
 6120.4296 
 
 98259.198 
 
 
 53 
 
 10666.156 
 
 129521.682 
 
 1280691.672 
 
 5925.5042 
 
 92138.769 
 
 
 54 
 
 10108.704 
 
 119412.978 
 
 1151169.990 
 
 5728.7445 
 
 86213.264 
 
TABLB XZ. 
 
 LIFE ANNUITIES AND ASSUKANCES— SINGLE LIVES. 
 
 Preparatory Table for determining the values of Annuities and As- 
 surances for the whole term of Life, or for temporary and deferred 
 periods, according to the combined experience of various Life Offices. 
 
 (31 PER CENT.) 
 
 Age. 
 
 D 
 
 N 
 
 S 
 
 :\i 
 
 R 
 
 55 
 
 9568.466 
 
 109844.512 
 
 1031757.012 
 
 5530.3468 
 
 80484..520 
 
 56 
 
 9044.613 
 
 100799.899 
 
 92191 2..500 
 
 5330.0643 
 
 74954.173 
 
 57 
 
 8536.663 
 
 92263.236 
 
 821112.601 
 
 5127.9699 
 
 69624.109 
 
 58 
 
 8044.429 
 
 84218.807 
 
 728849.365 
 
 4924.4150 
 
 64496.1.30 
 
 59 
 
 7567.316 
 
 76651.491 
 
 644630.558 
 
 4719.3355 
 
 59571.724 
 
 60 
 
 7104.894 
 
 69546.597 
 
 567979.067 
 
 4512.8134 
 
 54852.388 
 
 61 
 
 6656.385 
 
 62890.212 
 
 498432.470 
 
 4304.5676 
 
 50339.575 
 
 62 
 
 6221.555 
 
 56668.657 
 
 4.35542.258 
 
 4094.8323 
 
 460.35.007 
 
 63 
 
 5800.049 
 
 50868.608 
 
 378873.601 
 
 3883.7174 
 
 41940.175 
 
 64 
 
 5391.860 
 
 45476.748 
 
 328004.993 
 
 3671.6667 
 
 38056.458 
 
 65 
 
 4996.846 
 
 40479.902 
 
 282528.245 
 
 3458.9849 
 
 34384.791 
 
 66 
 
 4615.050 
 
 35864.852 
 
 242048.343 
 
 3246.1637 
 
 30925.806 
 
 67 
 
 4246.677 
 
 31618.175 
 
 206183.491 
 
 3033.8549 
 
 27679.642 
 
 68 
 
 3891.866 
 
 27726.309 
 
 174565.316 
 
 2822.6526 
 
 24645.788 
 
 69 
 
 3551.075 
 
 24175.234 
 
 146839.007 
 
 2613.4700 
 
 21823.1.35 
 
 70 
 
 3224.832 
 
 20950.402 
 
 122663.773 
 
 2407.3118 
 
 19209.665 
 
 71 
 
 2913.463 
 
 18036.939 
 
 101713.371 
 
 2204.9052 
 
 16802.353 
 
 72 
 
 2617.449 
 
 15419.490 
 
 83676.4.32 
 
 2007.5041 
 
 14597.358 
 
 73 
 
 2337.229 
 
 13082.261 
 
 68256.942 
 
 1815.7987 
 
 12589.854 
 
 74 
 
 2073.285 
 
 11008.976 
 
 55174.681 
 
 1630.8898 
 
 10774.055 
 
 75 
 
 1825.959 
 
 9183.017 
 
 44165.705 
 
 1453.6734 
 
 9143.16.53 
 
 76 
 
 1595.621 
 
 7587.396 
 
 34982.688 
 
 1285.0851 
 
 7689.4919 
 
 77 
 
 1382.596 
 
 6204.800 
 
 27395.292 
 
 1126.0173 
 
 6404.4068 
 
 78 
 
 1186.937 
 
 5017.863 
 
 21190.492 
 
 977.1121 
 
 5278.3895 
 
 79 
 
 1008.672 
 
 4009.191 
 
 16172.629 
 
 838.9866 
 
 4.301.2774 
 
 80 
 
 847.806 
 
 3161.385 
 
 12163.438 
 
 712.2303 
 
 3462.2908 
 
 81 
 
 704.125 
 
 2457.260 
 
 9002.0527 
 
 597,2182 
 
 2750.0605 
 
 82 
 
 577.2904 
 
 1879.9697 
 
 6544.7926 
 
 494.1945 
 
 2152.8423 
 
 83 
 
 466.7443 
 
 1413.2254 
 
 4664.8229 
 
 40.3.1702 
 
 1658.6478 
 
 84 
 
 371.6310 
 
 1041.5944 
 
 3251.5975 
 
 323.8407 
 
 1255.4776 
 
 85 
 
 290.9572 
 
 750.6372 
 
 2210.0031 
 
 255.7341 
 
 931.6369 
 
 86 
 
 223.4621 
 
 527.1751 
 
 1459.3659 
 
 198.0782 
 
 675.9028 
 
 87 
 
 167.8707 
 
 359.3044 
 
 932.1908 
 
 150.0435 
 
 477.8246 
 
 88 
 
 122.9051 
 
 236.39934 
 
 572.8864 
 
 110.7546 
 
 327.7810 
 
 89 
 
 87.24784 
 
 149.15150 
 
 336.48707 
 
 79.25367 
 
 217.0264 
 
 90 
 
 59.65039 
 
 89.50111 
 
 187.33557 
 
 54.60661 
 
 137.7727 
 
 91 
 
 38.97561 
 
 50.52550 
 
 97.83446 
 
 35.94900 
 
 83.16612 
 
 92 
 
 24.06371 
 
 26.46179 
 
 47.30896 
 
 22.35512 
 
 47.21712 
 
 93 
 
 13.82760 
 
 12.63419 
 
 20.84717 
 
 12.93277 
 
 24.86200 
 
 94 
 
 7.25145 
 
 5.38274 
 
 8.21298 
 
 6.82421 
 
 11.92923 
 
 95 
 
 3.38888 
 
 1.99386 
 
 2.83024 
 
 3.20686 
 
 5.10502 
 
 96 
 
 1.36122 
 
 0.63264 
 
 0.83638 
 
 1.29379 
 
 1.89816 
 
 97 
 
 0.46209 
 
 0.17055 
 
 0.20374 
 
 0.44070 
 
 0.60437 
 
 98 
 
 0.13737 
 
 0.03318 
 
 0.03318 
 
 0.13161 
 
 0.16367 
 
 99 
 
 1 
 
 0.03318 
 
 0.00000 
 
 0.00000 
 
 0.03206 
 
 0.03206 
 

 
 TABX.E XIX. 
 
 
 
 
 LIFE ANNUITIES— SINGLE LIVES. 
 
 
 Shewing the Values of Annuities on Single Lives according to the 
 
 combined experience 
 
 of various Life Offices. 
 
 
 
 Age. 
 
 2 f Cent. 
 
 2| W Cent. 
 
 3^ Cent. 
 
 3i W Cent. 
 
 4 f Cent. 
 
 10 
 
 28.762 
 
 25.832 
 
 23.356 
 
 21.253 
 
 19.454 
 
 11 
 
 28.537 
 
 25.658 
 
 23.220 
 
 21.147 
 
 19.369 
 
 12 
 
 28.306 
 
 25.479 
 
 23.080 
 
 21.036 
 
 19.282 
 
 13 
 
 28.070 
 
 25.295 
 
 22.936 
 
 20.922 
 
 19.191 
 
 14 
 
 27.829 
 
 25.106 
 
 22.787 
 
 20.804 
 
 19.096 
 
 15 
 
 27.583 
 
 24.912 
 
 22.633 
 
 20.682 
 
 18.998 
 
 16 
 
 27.331 
 
 24.713 
 
 22.475 
 
 20.555 
 
 18.896 
 
 17 
 
 27.074 
 
 24.509 
 
 22.313 
 
 20.424 
 
 18.790 
 
 18 
 
 26.812 
 
 24.300 
 
 22.146 
 
 20.290 
 
 18.681 
 
 19 
 
 26.545 
 
 24.086 
 
 21.974 
 
 20.151 
 
 18.567 
 
 20 
 
 26.272 
 
 23.867 
 
 21.797 
 
 20.007 
 
 18.451 
 
 21 
 
 25.995 
 
 23.643 
 
 21.616 
 
 19.860 
 
 18.329 
 
 22 
 
 25.712 
 
 23.414 
 
 21.430 
 
 19.708 
 
 18.204 
 
 23 
 
 25.423 
 
 23.180 
 
 21.239 
 
 19.551 
 
 18.075 
 
 24 
 
 25.129 
 
 22.941 
 
 21.043 
 
 19.389 
 
 17.941 
 
 25 
 
 24.830 
 
 22.696 
 
 20.842 
 
 19.223 
 
 17.803 
 
 26 
 
 24.525 
 
 22.446 
 
 20.635 
 
 19.052 
 
 17.660 
 
 27 
 
 24.214 
 
 22.190 
 
 20.423 
 
 18.875 
 
 17.512 
 
 28 
 
 23.898 
 
 21.928 
 
 20.205 
 
 18.693 
 
 17.360 
 
 29 
 
 23.576 
 
 21.661 
 
 19.982 
 
 18.506 
 
 17.202 
 
 30 
 
 23.248 
 
 21.388 
 
 19.754 
 
 18.314 
 
 17.040 
 
 31 
 
 22.914 
 
 21.109 
 
 1L.519 
 
 18.116 
 
 16.872 
 
 32 
 
 22.575 
 
 20.824 
 
 19.279 
 
 17.912 
 
 16.698 
 
 33 
 
 22.230 
 
 20.533 
 
 19.032 
 
 17.703 
 
 16.520 
 
 34 
 
 21.878 
 
 20.236 
 
 18.780 
 
 17.487 
 
 16.335 
 
 35 
 
 21.521 
 
 19.932 
 
 18.521 
 
 17.265 
 
 16.144 
 
 36 
 
 21.157 
 
 19.622 
 
 18.255 
 
 17.037 
 
 15.948 
 
 37 
 
 20.787 
 
 19.305 
 
 17.983 
 
 16.802 
 
 15.744 
 
 38 
 
 20.410 
 
 18.981 
 
 17.703 
 
 16.561 
 
 15.534 
 
 39 
 
 20.026 
 
 18.650 
 
 17.417 
 
 16.312 
 
 15.317 
 
 40 
 
 19.636 
 
 18.312 
 
 17.123 
 
 16.055 
 
 15.093 
 
 41 
 
 19.238 
 
 17.966 
 
 16.821 
 
 15.791 
 
 14.861 
 
 42 
 
 18.833 
 
 17.613 
 
 16.512 
 
 15.519 
 
 14.621 
 
 43 
 
 18.422 
 
 17.252 
 
 16.195 
 
 15.240 
 
 14.374 
 
 44 
 
 18.004 
 
 16.885 
 
 15.870 
 
 14.952 
 
 14.119 
 
 45 
 
 17.581 
 
 16.512 
 
 15.540 
 
 14.658 
 
 13.857 
 
 46 
 
 17.155 
 
 16.134 
 
 15.204 
 
 14.360 
 
 13.590 
 
 47 
 
 16.725 
 
 15.752 
 
 14.864 
 
 14.055 
 
 13.317 
 
 48 
 
 16.294 
 
 15.367 
 
 14.519 
 
 13.747 
 
 13.039 
 
 49 
 
 15.860 
 
 14.979 
 
 14.171 
 
 13.434 
 
 12.757 
 
 50 
 
 15.424 
 
 14.588 
 
 13.820 
 
 13.116 
 
 12.470 
 
 51 
 
 14.988 
 
 14.195 
 
 13.465 
 
 12.795 
 
 12.179 
 
 52 
 
 14.550 
 
 13.800 
 
 13.107 
 
 12.471 
 
 11.884 
 
 53 
 
 14.112 
 
 13.403 
 
 12.747 
 
 12.143 
 
 11.585 
 
 54 
 
 13.675 
 
 13.005 
 
 12.385 
 
 11.813 
 
 11.283 
 
TABXiB XZZ. 
 
 LIFE ANNUITIES— SINGLE LIVES. 
 
 Shewing the Values of Annuities on Single Lives accordino- to the 
 combined experience of various Life Offices. " 
 
 Age. 
 
 41 ^ Cent. 
 
 5 ^ Cent. 
 
 6 ^ Cent. 
 
 7 4f Cent. 
 
 8 #" Cent. 
 
 10 
 
 17.902 
 
 16.556 
 
 14..347 
 
 12.625 
 
 11.251 
 
 11 
 
 17.835 
 
 16.502 
 
 14.312 
 
 12.601 
 
 11.234 
 
 12 
 
 17.765 
 
 16.445 
 
 14.274 
 
 12.575 
 
 11.210 
 
 13 
 
 17.692 
 
 16.386 
 
 14.234 
 
 12.547 
 
 11.196 
 
 14 
 
 17.616 
 
 16.324 
 
 14.193 
 
 12.518 
 
 11.175 
 
 15 
 
 17.536 
 
 16.259 
 
 14.149 
 
 12.487 
 
 11.153 
 
 16 
 
 17.453 
 
 16.192 
 
 14.102 
 
 12.454 
 
 11.129 
 
 17 
 
 17.367 
 
 16.121 
 
 14.054 
 
 12.420 
 
 11.104 
 
 18 
 
 17.278 
 
 16.048 
 
 14.003 
 
 12.384 
 
 11.078 
 
 19 
 
 17.185 
 
 15.971 
 
 13.950 
 
 12.346 
 
 11.050 
 
 20 
 
 17.089 
 
 15.891 
 
 13.894 
 
 12.306 
 
 11.021 
 
 21 
 
 16.989 
 
 15.808 
 
 13.836 
 
 12.264 
 
 10.990 
 
 22 
 
 16.885 
 
 15.722 
 
 13.775 
 
 12.220 
 
 10.957 
 
 23 
 
 16.778 
 
 15.632 
 
 13.712 
 
 12.174 
 
 10.923 
 
 24 
 
 16.666 
 
 15.539 
 
 13.645 
 
 12.125 
 
 10.887 
 
 25 
 
 16.551 
 
 15.442 
 
 13.576 
 
 12.074 
 
 10.849 
 
 26 
 
 16.431 
 
 15.341 
 
 13.503 
 
 12.020 
 
 10.809 
 
 27 
 
 16.307 
 
 15.236 
 
 13.427 
 
 11.964 
 
 10.767 
 
 28 
 
 16.178 
 
 15.127 
 
 13.347 
 
 11.905 
 
 10.722 
 
 29 
 
 16.045 
 
 15.014 
 
 13.264 
 
 11.843 
 
 10.675 
 
 30 
 
 15.907 
 
 14.896 
 
 13.177 
 
 11.778 
 
 10.625 
 
 31 
 
 15.764 
 
 14.774 
 
 13.087 
 
 11.710 
 
 10.573 
 
 32 
 
 15.616 
 
 14.647 
 
 12.992 
 
 11.638 
 
 10.518 
 
 33 
 
 15.463 
 
 14.515 
 
 12.893 
 
 11.563 
 
 10.460 
 
 34 
 
 15.304 
 
 14.378 
 
 12.789 
 
 11.484 
 
 10.398 
 
 35 
 
 15.139 
 
 14.2.35 
 
 12.681 
 
 11.401 
 
 10.333 
 
 36 
 
 14.969 
 
 14.087 
 
 12.568 
 
 11.313 
 
 10.264 
 
 37 
 
 14.792 
 
 13.933 
 
 12.450 
 
 11.221 
 
 10.191 
 
 38 
 
 14.609 
 
 13.773 
 
 12.326 
 
 11.124 
 
 10.114 
 
 39 
 
 14.419 
 
 13.606 
 
 12.196 
 
 11.022 
 
 10.032 
 
 40 
 
 14.223 
 
 13.433 
 
 12.060 
 
 10.914 
 
 9.945 
 
 41 
 
 14.018 
 
 13.252 
 
 11.918 
 
 10.800 
 
 9.853 
 
 42 
 
 13.806 
 
 13.064 
 
 11.768 
 
 10.680 
 
 9.755 
 
 43 
 
 13.586 
 
 12.868 
 
 11.612 
 
 10.553 
 
 9.652 
 
 44 
 
 13.359 
 
 12.666 
 
 11.448 
 
 10.420 
 
 9.543 
 
 45 
 
 13.126 
 
 12.456 
 
 11.279 
 
 10.281 
 
 9.428 
 
 46 
 
 12.886 
 
 12.241 
 
 11.104 
 
 10.137 
 
 9.308 
 
 47 
 
 12.641 
 
 12.020 
 
 10.923 
 
 9.988 
 
 9.182 
 
 48 
 
 12.391 
 
 11.794 
 
 10.737 
 
 9.833 
 
 9.053 
 
 49 
 
 12.135 
 
 11.563 
 
 10.546 
 
 9.074 
 
 8.918 
 
 50 
 
 11.875 
 
 11.326 
 
 10.349 
 
 9.509 
 
 8.779 
 
 51 
 
 11.611 
 
 11.085 
 
 10.148 
 
 9.338 
 
 8.635 
 
 52 
 
 11.342 
 
 10.840 
 
 9.942 
 
 9.164 
 
 8.486 
 
 53 
 
 11.069 
 
 10.590 
 
 9.731 
 
 8.985 
 
 8.332 
 
 54 
 
 1 
 
 10.792 
 
 10.336 
 
 9.515 
 
 8.801 
 
 8.174 
 
TABIiX: XIX. 
 
 LIFE ANNUITIES-SINGLE LIVES. 
 
 Shewing the Values of Annuities on Single Lives according to the 
 combined experience of various Life Offices. 
 
 Age. 
 
 2 c^ Cent. 
 
 2i#'Cent. 
 
 3 W Cent. 
 
 3i W Cent. 
 
 4#'Cent. 1 
 
 55 
 
 13.238 
 
 12.606 
 
 12.021 
 
 11.480 
 
 10.978 
 
 56 
 
 12.801 
 
 12.207 
 
 11.656 
 
 11.145 
 
 10.670 
 
 57 
 
 12.366 
 
 11.808 
 
 11.290 
 
 10.808 
 
 10.359 
 
 58 
 
 11.933 
 
 11.409 
 
 10.923 
 
 10.469 
 
 10.046 
 
 59 
 
 11.501 
 
 11.011 
 
 10.555 
 
 10.129 
 
 9.731 
 
 60 
 
 11.072 
 
 10.614 
 
 10.188 
 
 9.788 
 
 9.415 
 
 61 
 
 10.647 
 
 10.220 
 
 9.822 
 
 9.448 
 
 9.098 
 
 62 
 
 10.226 
 
 9.829 
 
 9.457 
 
 9.108 
 
 8.780 
 
 63 
 
 9.810 
 
 9.441 
 
 9.096 
 
 8.770 
 
 8.464 
 
 64 
 
 9.400 
 
 9.058 
 
 8.737 
 
 8.434 
 
 8.149 
 
 65 
 
 8.996 
 
 8.680 
 
 8.382 
 
 8.101 
 
 7.835 
 
 66 
 
 8.599 
 
 8.307 
 
 8.032 
 
 7.771 
 
 7.525 
 
 67 
 
 8.210 
 
 7.941 
 
 7.686 
 
 7.445 
 
 7.217 
 
 68 
 
 7.828 
 
 7.581 
 
 7.347 
 
 7.124 
 
 6.913 
 
 69 
 
 7.455 
 
 7.228 
 
 7.013 
 
 6.808 
 
 6.613 
 
 70 
 
 7.091 
 
 6.883 
 
 6.685 
 
 6.497 
 
 6.317 
 
 71 
 
 6.735 
 
 6.545 
 
 6.364 
 
 6.191 
 
 6.026 
 
 72 
 
 6.388 
 
 6.214 
 
 6.049 
 
 6.891 
 
 6.740 
 
 73 
 
 6.050 
 
 5.892 
 
 5.742 
 
 6.597 
 
 5.459 
 
 74 
 
 5.721 
 
 5.578 
 
 5.441 
 
 5.310 
 
 5.184 
 
 75 
 
 5.402 
 
 5.273 
 
 5.148 
 
 5.029 
 
 4.915 
 
 76 
 
 5.09i.\ 
 
 4.975 
 
 4.863 
 
 4.755 
 
 4.651 
 
 77 
 
 4.792 
 
 4.687 
 
 4.585 
 
 4.488 
 
 4.394 
 
 78 
 
 4.501 
 
 4.406 
 
 4.315 
 
 4.228 
 
 4.143 
 
 79 
 
 4.220 
 
 4.135 
 
 4.053 
 
 3.975 
 
 3.899 
 
 80 
 
 3.947 
 
 3.872 
 
 3.799 
 
 3.729 
 
 3.661 
 
 81 
 
 3.684 
 
 3.617 
 
 3.553 
 
 3.490 
 
 3.429 
 
 82 
 
 3.428 
 
 3.369 
 
 3.312 
 
 3.256 
 
 3.203 
 
 83 
 
 3.179 
 
 3.127 
 
 3.077 
 
 3.028 
 
 2.980 
 
 84 
 
 2.935 
 
 2.890 
 
 2.846 
 
 2.803 
 
 2.761 
 
 85 
 
 2.694 
 
 2.655 
 
 2.617 
 
 2.580 
 
 2.544 
 
 86 
 
 2.457 
 
 2.424 
 
 2.391 
 
 2.359 
 
 2.328 
 
 87 
 
 2.223 
 
 2.195 
 
 2.167 
 
 2.140 
 
 2.114 
 
 88 
 
 1.992 
 
 1.969 
 
 1.946 
 
 1.923 
 
 1.901 
 
 89 
 
 1.766 
 
 1.747 
 
 1.728 
 
 1.709 
 
 1.691 
 
 90 
 
 1.545 
 
 1.531 
 
 1.516 
 
 1.500 
 
 1.485 
 
 91 
 
 1.331 
 
 1.321 
 
 1.309 
 
 1.296 
 
 1.284 
 
 92 
 
 1.129 
 
 1.119 
 
 1.109 
 
 1.100 
 
 1.090 
 
 93 
 
 0.936 
 
 0.928 
 
 0.921 
 
 0.914 
 
 0.906 
 
 94 
 
 0.759 
 
 0.753 
 
 0.748 
 
 0.742 
 
 0.737 
 
 95 
 
 0.601 
 
 0.596 
 
 0.592 
 
 0.588 
 
 0.584 
 
 96 
 
 0.474 
 
 0.471 
 
 0.468 
 
 0.465 
 
 0.462 
 
 97 
 
 0.376 
 
 0.373 
 
 0.371 
 
 0.369 
 
 0.367 
 
 98 
 
 0.245 
 
 0.244 
 
 0.243 
 
 0.242 
 
 0.240 
 
 99 
 
 
 
 
 
 
TABLE XII. 
 
 LIFE ANNUITIES-SINGLE LIVES. 
 
 Shewing the Values of Annuities on Single Lives according to the 
 combined experience of various Life Offices. 
 
 Age. 
 
 4i #" Cent. 
 
 j 5 #^ Cent. 
 
 6 ^ Cent. 
 
 7 ^ Cent. 
 
 8 #• Cent. 
 
 55 
 
 10.512 
 
 10.077 
 
 i 9.295 
 
 8.612 
 
 8.011 
 
 56 
 
 10.228 
 
 9.816 
 
 ; 9.071 
 
 8.419 
 
 7.844 
 
 57 
 
 9.941 
 
 9.550 
 
 8.843 
 
 8.221 
 
 7.672 
 
 58 
 
 9.651 
 
 9.282 
 
 8.611 
 
 8.019 
 
 7.495 
 
 59 
 
 9.359 
 
 9.010 
 
 i 8.375 
 
 1 
 
 7.813 
 
 7.314 
 
 60 
 
 9.064 
 
 8.735 
 
 8.136 
 
 7.603 
 
 7.129 
 
 61 
 
 8.769 
 
 8.459 
 
 7.893 
 
 7.390 
 
 6.940 
 
 62 
 
 8.472 
 
 8.182 
 
 7.649 
 
 7.174 
 
 6.748 
 
 63 
 
 8.176 
 
 7.903 
 
 7.403 
 
 6.955 
 
 6.553 
 
 64 
 
 7.879 
 
 7.625 
 
 7.156 
 
 6.735 
 
 6.355 
 
 65 
 
 7.584 
 
 7.347 
 
 6.908 
 
 6.513 
 
 6.156 
 
 66 
 
 7.291 
 
 7.070 
 
 6.660 
 
 6.291 
 
 5.955 
 
 67 
 
 7.000 
 
 6.795 
 
 6.413 
 
 6.067 
 
 5.753 
 
 68 
 
 6.712 
 
 6.521 
 
 6.167 
 
 5.844 
 
 5.551 
 
 69 
 
 6.428 
 
 6.251 
 
 5.922 
 
 5.622 
 
 5.348 
 
 70 
 
 6.146 
 
 5.983 
 
 5.678 
 
 5.400 
 
 5.145 
 
 71 
 
 5.869 
 
 5.718 
 
 5.437 
 
 5.179 
 
 4.942 
 
 72 
 
 5.596 
 
 5.457 
 
 5.198 
 
 4.960 
 
 4.740 
 
 73 
 
 5.327 
 
 5.200 
 
 4.962 
 
 4.742 
 
 4.540 
 
 74 
 
 5.063 
 
 4.947 
 
 4.729 
 
 4.527 
 
 4.340 
 
 75 
 
 4.805 
 
 4.699 
 
 4.499 
 
 4.314 
 
 4.142 
 
 76 
 
 4.551 
 
 4.455 
 
 4.273 
 
 4.104 
 
 3.946 
 
 77 
 
 4.303 
 
 4.216 
 
 4.050 
 
 3.896 
 
 3.752 
 
 78 
 
 4.061 
 
 3.982 
 
 3.832 
 
 3.692 
 
 3.561 
 
 79 
 
 3.825 
 
 3.754 
 
 3.618 
 
 3.491 
 
 3.372 
 
 80 
 
 3.595 
 
 3.531 
 
 3.409 
 
 3.294 
 
 3.187 
 
 81 
 
 3.370 
 
 3.313 
 
 3.204 
 
 3.101 
 
 3.004 
 
 82 
 
 3.150 
 
 3.099 
 
 3.002 
 
 2.910 
 
 2.823 
 
 83 
 
 2.934 
 
 2.889 
 
 2.803 
 
 2.721 
 
 2.643 
 
 84 
 
 2.720 
 
 2.681 
 
 2.605 
 
 2.533 
 
 2.464 
 
 85 
 
 2.508 
 
 2.474 
 
 2.408 
 
 2.344 
 
 2.284 
 
 86 
 
 2.298 
 
 2.268 
 
 2.210 
 
 2.156 
 
 2.103 
 
 87 
 
 2.088 
 
 2.063 
 
 2.013 
 
 1.967 
 
 1.922 
 
 88 
 
 1.879 
 
 1.858 
 
 1.817 
 
 1.777 
 
 1.739 
 
 89 
 
 1.673 
 
 1.655 
 
 1.621 
 
 1.588 
 
 1.556 
 
 90 
 
 1.471 
 
 1.456 
 
 1.428 
 
 1.401 
 
 1.375 
 
 91 
 
 1.272 
 
 1.261 
 
 1.238 
 
 1.216 
 
 1.195 
 
 92 
 
 1.081 
 
 1.072 
 
 1.054 
 
 1.037 
 
 1.020 
 
 93 
 
 0.899 
 
 0.892 
 
 0.879 
 
 0.865 
 
 0.852 
 
 94 
 
 0.731 
 
 0.726 
 
 0.716 
 
 0.706 
 
 0.696 
 
 95 
 
 0.580 
 
 0.576 
 
 0.569 
 
 0.561 
 
 0.554 
 
 96 
 
 0.459 
 
 0.456 
 
 0.450 
 
 0.445 
 
 0.439 
 
 97 
 
 0.365 
 
 0.363 
 
 0.359 
 
 0.355 
 
 0.351 
 
 98 
 
 0.239 
 
 0.238 
 
 0.236 
 
 0.234 
 
 0.232 
 
 99 
 
 
 
 
 
 
TABJIiB XZZI. 
 
 LIFE ANNUITIES— JOINT LIVES. 
 
 Shewing the Values of Annuities on Two Joint Lives according to 
 the combined experience of various Life Offices. 
 
 Age. 1 
 
 Per Cent. 
 
 3 
 
 Per Cent. 
 
 3i 
 Per Cent. 
 
 4 
 Per Cent. 
 
 5 
 
 Per Cent. 
 
 6 
 Per Cent. 
 
 Older. 
 
 Younger 
 
 10 
 
 10 
 
 21.510 
 
 19.726 
 
 18.179 
 
 16.832 
 
 14.602 
 
 12.851 
 
 11 
 
 11 
 
 21.349 
 
 19.595 
 
 18.072 
 
 16.744 
 
 14.542 
 
 12.808 
 
 12 
 
 12 
 
 21.183 
 
 19.460 
 
 17.961 
 
 16.652 
 
 14.478 
 
 12.763 
 
 13 
 
 13 
 
 21.011 
 
 19.320 
 
 17.846 
 
 16.556 
 
 14.411 
 
 12.715 
 
 1% 
 
 14 
 
 20.834 
 
 19.175 
 
 17.726 
 
 16.456 
 
 14.341 
 
 12.664 
 
 15 
 
 10 
 15 
 
 21.048 
 20.652 
 
 19.353 
 19.026 
 
 17.874 
 17.602 
 
 16.578 
 16.353 
 
 14.426 
 14.268 
 
 12.726 
 12.611 
 
 16 
 
 11 
 16 
 
 20.873 
 20.465 
 
 19.210 
 
 18.872 
 
 17.756 
 17.474 
 
 16.480 
 16.246 
 
 14.357 
 14.192 
 
 12.676 
 12.555 
 
 17 
 
 12 
 
 17 
 
 20.693 
 20.274 
 
 19.062 
 18.713 
 
 17.633 
 17.342 
 
 16.378 
 16.135 
 
 14.285 
 14.112 
 
 12.624 
 12.497 
 
 18 
 
 13 
 
 18 
 
 20.508 
 20.078 
 
 18.909 
 18.550 
 
 17.506 
 17.205 
 
 16.272 
 16.020 
 
 14.210 
 14.029 
 
 12.569 
 12.436 
 
 19 
 
 14 
 19 
 
 20.318 
 19.877 
 
 18.751 
 18.382 
 
 17.375 
 17.064 
 
 16.162 
 15.901 
 
 14.131 
 13.943 
 
 12.511 
 12,372 
 
 20 
 
 10 
 15 
 20 
 
 20.458 
 20.123 
 19.671 
 
 18.866 
 18.589 
 18.209 
 
 17.472 
 17.239 
 16.919 
 
 16.243 
 16.048 
 15.778 
 
 14.190 
 14.049 
 13.853 
 
 12.556 
 12.451 
 12.305 
 
 21 
 
 11 
 16 
 21 
 
 20.267 
 19.923 
 19.460 
 
 18.708 
 18.422 
 18.032 
 
 17.340 
 17.099 
 16.769 
 
 16.133 
 15.930 
 15.651 
 
 14.111 
 13.964 
 13.760 
 
 12.498 
 12.388 
 12.236 
 
 22 
 
 12 
 17 
 22 
 
 20.071 
 19.718 
 19.244 
 
 18.545 
 18.251 
 17.850 
 
 17.204 
 16.955 
 16.615 
 
 16.018 
 15.808 
 15.520 
 
 14.029 
 13.875 
 13.664 
 
 12.437 
 12.322 
 12.164 
 
 23 
 
 13 
 18 
 23 
 
 19.870 
 19.508 
 19.023 
 
 18.377 
 18.075 
 17.663 
 
 17.063 
 16.806 
 16.456 
 
 15.899 
 15.682 
 15.384 
 
 13.943 
 13.783 
 13.564 
 
 12.373 
 12.253 
 12.089 
 
 24 
 
 14 
 19 
 24 
 
 19.663 
 19.293 
 18.797 
 
 18.204 
 17.893 
 17.471 
 
 16.917 
 16.653 
 16.293 
 
 15.776 
 15.552 
 15.244 
 
 13.853 
 13.687 
 13.460 
 
 12.307 
 12.181 
 12.010 
 
 25 
 
 10 
 15 
 20 
 25 
 
 19.722 
 19.451 
 19.073 
 18.566 
 
 18.255 
 38.026 
 17.707 
 17.274 
 
 16.960 
 16.767 
 16.495 
 16.125 
 
 15.811 
 15.649 
 15.417 
 15.100 
 
 13.881 
 13.760 
 13.587 
 13.352 
 
 12.329 
 12.237 
 12.106 
 11.928 
 
 26 
 
 11 
 
 19.512 
 
 18.079 
 
 16.811 
 
 15.685 
 
 13.789 
 
 12.261 
 
TABXiB XZXZ. 
 
 LIFE ANNUITIES— JOINT LIVES. 
 
 Shewing the Values of Annuities on Two Joint Lives according to 
 the combined experience of various Life Offices. 
 
 Age. 
 
 2^ 
 Per Cent. 
 
 3 
 Per Cent. 
 
 31 
 Per Cent. 
 
 4 
 Per Cent. 
 
 5 
 
 Per Cent. 
 
 6 
 
 Per Cent. 
 
 Older. 
 
 Younger. 
 
 26 
 
 16 
 
 19.234 
 
 17.843 
 
 16.612 
 
 15.517 
 
 13.663 
 
 12.164 
 
 
 21 
 
 18.848 
 
 17.516 
 
 16.332 
 
 15.278 
 
 13.484 
 
 12.028 
 
 
 26 
 
 18.329 
 
 17.072 
 
 15.952 
 
 14.951 
 
 13.240 
 
 11.843 
 
 27 
 
 12 
 
 19.296 
 
 17.898 
 
 16.658 
 
 15.554 
 
 13.693 
 
 12.190 
 
 
 17 
 
 19.012 
 
 17.655 
 
 16.452 
 
 15.381 
 
 13..562 
 
 12.088 
 
 
 22 
 
 18.617 
 
 17.320 
 
 16.165 
 
 15.134 
 
 13.377 
 
 11.947 
 
 
 27 
 
 18.087 
 
 16.865 
 
 15.774 
 
 14.797 
 
 13.124 
 
 11.754 
 
 2a 
 
 13 
 
 19.075 
 
 17.711 
 
 16.499 
 
 15.419 
 
 13.593 
 
 12.115 
 
 
 18 
 
 18.784 
 
 17.462 
 
 16.287 
 
 15.240 
 
 13.457 
 
 12.009 
 
 
 23 
 
 18.381 
 
 17.119 
 
 15.993 
 
 14.986 
 
 13.266 
 
 11.802 
 
 
 28 
 
 17.840 
 
 16.652 
 
 15.591 
 
 14.638 
 
 13.003 
 
 11.661 
 
 29 
 
 14 
 
 18.848 
 
 17.519 
 
 16.335 
 
 15.279 
 
 13.489 
 
 12.037 
 
 
 19 
 
 18.551 
 
 17.264 
 
 16.118 
 
 15.094 
 
 13.348 
 
 11.926 
 
 
 24 
 
 18.140 
 
 16.913 
 
 15.816 
 
 14.833 
 
 13.151 
 
 11.774 
 
 
 29 
 
 17.587 
 
 16.4.34 
 
 15.403 
 
 14.474 
 
 12.878 
 
 11.564 
 
 30 
 
 10 
 
 18.827 
 
 17.500 
 
 16.321 
 
 15.270 
 
 13.484 
 
 12.032 
 
 
 15 
 
 18.616 
 
 17..321 
 
 16.166 
 
 1.5.134 
 
 13.381 
 
 11.955 
 
 
 20 
 
 18.313 
 
 17.060 
 
 15.943 
 
 14.944 
 
 13.235 
 
 11.840 
 
 
 25 
 
 17.894 
 
 16.701 
 
 15.634 
 
 14.675 
 
 13.031 
 
 11.682 
 
 
 30 
 
 17.329 
 
 16.211 
 
 15.209 
 
 14.305 
 
 12.749 
 
 11.463 
 
 31 
 
 11 
 
 18.594 
 
 17.302 
 
 16.152 
 
 15.125 
 
 13.376 
 
 11.950 
 
 
 16 
 
 18.378 
 
 17.118 
 
 15.992 
 
 14.984 
 
 13.269 
 
 11.869 
 
 
 21 
 
 18.069 
 
 16.851 
 
 15.763 
 
 14.789 
 
 13.118 
 
 11.750 
 
 
 26 
 
 17.642 
 
 16.484 
 
 15.446 
 
 14.512 
 
 12.907 
 
 11.586 
 
 
 31 
 
 17.065 
 
 15.982 
 
 15.010 
 
 14.131 
 
 12.615 
 
 11.358 
 
 32 
 
 12 
 
 18.355 
 
 17.098 
 
 15.977 
 
 14.975 
 
 13.263 
 
 11.864 
 
 
 17 
 
 18.134 
 
 16.909 
 
 15.813 
 
 14.829 
 
 13.152 
 
 11.779 
 
 
 22 
 
 17.820 
 
 16.637 
 
 15.578 
 
 14.629 
 
 12.996 
 
 11.656 
 
 
 27 
 
 17.385 
 
 16.262 
 
 15.253 
 
 14.344 
 
 12.778 
 
 11.486 
 
 
 32 
 
 16.796 
 
 15.748 
 
 14.805 
 
 13.952 
 
 12.476 
 
 11.249 
 
 33 
 
 13 
 
 18.110 
 
 16.888 
 
 15.797 
 
 14.819 
 
 13.145 
 
 11.774 
 
 
 18 
 
 17.885 
 
 16.695 
 
 15.628 
 
 14.669 
 
 13.031 
 
 11.685 
 
 
 23 
 
 17.565 
 
 16.417 
 
 15.388 
 
 14.464 
 
 12.870 
 
 11. .558 
 
 
 28 
 
 17.122 
 
 16.034 
 
 15.055 
 
 14.171 
 
 12.645 
 
 11.382 
 
 
 33 
 
 16.521 
 
 15.508 
 
 14.595 
 
 13.767 
 
 12.332 
 
 11.135 
 
 34L 
 
 14 
 
 17.859 
 
 16.672 
 
 15.611 
 
 14.658 
 
 13.023 
 
 11.679 
 
 
 19 
 
 17.6.30 
 
 16.475 
 
 15.438 
 
 14.504 
 
 12.905 
 
 11.587 
 
 
 24 
 
 17.305 
 
 16.192 
 
 15.192 
 
 14.294 
 
 12.739 
 
 11.456 
 
 
 29 
 
 16.853 
 
 15.800 
 
 14.851 
 
 13.992 
 
 12.507 
 
 11.273 
 
 
 34 
 
 16.240 
 
 15.262 
 
 14.379 
 
 13.577 
 
 12.183 
 
 11.017 
 
 35 
 
 10 
 
 17.765 
 
 16.593 
 
 15.544 
 
 14.600 
 
 12.978 
 
 11.047 
 
TABLE XZZX. 
 
 LIFE ANNUITIES— JOINT LIVES. 
 
 Shewing the Values of Annuities on Two Joint Lives according to 
 the combined experience of various Life Offices. 
 
 Age. 
 
 ^ 
 
 3 
 
 31 
 
 4 
 
 5 
 
 6 
 
 Older. 
 
 Younger. 
 
 Per Cent. Per Cent, j 
 
 Per Cent. J 
 
 Per Cent. Per Cent.i'er ceni.i 
 
 35 
 
 15 
 
 17.602 
 
 16.450 
 
 15.419 
 
 14.491 
 
 12.896 
 
 11.580 
 
 
 20 
 
 17.369 
 
 16.249 
 
 15.242 
 
 14.333 
 
 12.774 
 
 11.485 
 
 
 25 
 
 17.039 
 
 15.961 
 
 14.991 
 
 14.118 
 
 12.603 
 
 11.349 
 
 
 30 
 
 16.578 
 
 15.560 
 
 14.641 
 
 13.808 
 
 12.363 
 
 11.160 
 
 
 35 
 
 15.953 
 
 15.010 
 
 14.157 
 
 13.381 
 
 12.028 
 
 10.893 
 
 36 
 
 11 
 
 17.505 
 
 16.368 
 
 15.349 
 
 14.431 
 
 12.848 
 
 11.546 
 
 
 16 
 
 17.339 
 
 16.222 
 
 15.221 
 
 14.318 
 
 12.763 
 
 11.476 
 
 
 21 
 
 17.102 
 
 16.017 
 
 15.040 
 
 14.157 
 
 12.638 
 
 11.378 
 
 
 26 
 
 16.767 
 
 15.724 
 
 14.784 
 
 13.936 
 
 12.462 
 
 11.238 
 
 
 31 
 
 16.298 
 
 15.315 
 
 14.425 
 
 13.618 
 
 12.214 
 
 11.042 
 
 
 36 i 
 
 15.660 
 
 14.752 
 
 13.928 
 
 13.178 
 
 11.867 
 
 10.764 
 
 37 
 
 12 
 
 17.238 
 
 16.137 
 
 15.148 
 
 14.255 
 
 12.713 
 
 11.440 
 
 
 17 
 
 17.069 
 
 15.988 
 
 15.017 
 
 14.139 
 
 12.625 
 
 11.368 
 
 
 22 
 
 16.829 
 
 15.779 
 
 14.832 
 
 13.975 
 
 12.497 
 
 11.267 
 
 
 27 
 
 16.489 
 
 15.481 
 
 14.571 
 
 13.749 
 
 12.315 
 
 11.122 
 
 
 32 
 
 16.011 
 
 15.063 
 
 14.203 
 
 13.422 
 
 12.060 
 
 10.919 
 
 
 37 
 
 15.360 
 
 14.487 
 
 13.693 
 
 12.969 
 
 11.700 
 
 10.629 
 
 38 
 
 13 
 
 16.964 
 
 15.899 
 
 14.940 
 
 14.073 
 
 12.572 
 
 11.329 
 
 
 18 
 
 16.792 
 
 15.747 
 
 14.806 
 
 13.954 
 
 12.481 
 
 11.255 
 
 
 23 
 
 16.549 
 
 15.535 
 
 14.618 
 
 13.787 
 
 12.350 
 
 11.150 
 
 
 28 
 
 16.204 
 
 15.231 
 
 14.351 
 
 13.555 
 
 12.163 
 
 11.001 
 
 
 33 
 
 15.718 
 
 14.805 
 
 13.975 
 
 13.220 
 
 11.900 
 
 10.791 
 
 
 38 
 
 15.053 
 
 14.215 
 
 13.451 
 
 12.753 
 
 11.526 
 
 10.488 
 
 39 
 
 14 
 
 1C.683 
 
 15.654 
 
 14.725 
 
 13.884 
 
 12.425 
 
 11.212 
 
 
 19 
 
 16.509 
 
 15.499 
 
 14.589 
 
 13.763 
 
 12.331 
 
 11.136 
 
 
 24 
 
 16.263 
 
 15.284 
 
 14.397 
 
 13.592 
 
 12.197 
 
 11.028 
 
 
 29 
 
 15.913 
 
 14.975 
 
 14.125 
 
 13.355 
 
 12.005 
 
 10.874 
 
 
 34 
 
 15.419 
 
 14.540 
 
 13.740 
 
 13.011 
 
 11.734 
 
 10.657 
 
 
 39 
 
 14.740 
 
 13.936 
 
 13.202 
 
 12.530 
 
 11.346 
 
 10.341 
 
 ^0 
 
 10 
 
 16.518 
 
 15.609 
 
 14.598 
 
 13.772 
 
 12.341 
 
 11.147 
 
 
 15 
 
 16.395 
 
 15.402 
 
 14.503 
 
 13.688 
 
 12.271 
 
 11.090 
 
 
 20 
 
 16.219 
 
 15.244 
 
 14.365 
 
 13.565 
 
 12.175 
 
 11.011 
 
 
 25 
 
 15.970 
 
 15.026 
 
 14.170 
 
 13.391 
 
 12.038 
 
 10.901 
 
 
 30 
 
 15.615 
 
 14.712 
 
 13.892 
 
 13.148 
 
 11.841 
 
 10.742 
 
 
 35 
 
 15.113 
 
 14.268 
 
 13.498 
 
 12.795 
 
 11.561 
 
 10.517 
 
 
 40 
 
 14.419 
 
 13.049 
 
 12.945 
 
 12.299 
 
 11.158 
 
 10.187 
 
 41 
 
 11 
 
 16.225 
 
 15.251 
 
 14.371 
 
 13.571 
 
 12.183 
 
 11.021 
 
 
 16 
 
 16.100 
 
 15.142 
 
 14.274 
 
 13.485 
 
 12.111 
 
 10.962 
 
 
 21 
 
 15.922 
 
 14.982 
 
 14.134 
 
 13.360 
 
 12.012 
 
 10.880 
 
 
 26 
 
 15.670 
 
 14.761 
 
 13.936 
 
 13.183 
 
 11.872 
 
 10.767 
 
 
 31 
 
 15.310 
 
 14.442 
 
 13.652 
 
 12.934 
 
 11.670 
 
 10.604 
 
 
 36 
 
 14.800 
 
 13.989 
 
 13.249 
 
 12.572 
 
 11.381 
 
 10.370 
 
 
 41 
 
 14.091 
 
 13.354 
 
 12.680 
 
 12.060 
 
 10.963 
 
 10.025 
 
 42 
 
 12 
 
 15.924 
 
 14.986 
 
 14.136 
 
 13.363 
 
 12.018 
 
 10.888 
 
TABZiB XIZZ. 
 
 LIFE ANNUITIES— JOINT LIVES. 
 
 Shewing the Values of Annuities on Two Joint Lives according to 
 the combined experience of various Life Offices. 
 
 A 
 
 ge. 
 
 01 
 
 Per Cent 
 
 3 
 
 Per Cent 
 
 3^ 
 Per Cent 
 
 4 
 Per Cent 
 
 5 
 . Per Cent 
 
 6 
 , Per Cent. 
 
 Older. 
 
 Younger 
 
 42 
 
 17 
 
 15.797 
 
 14.875 
 
 14.037 
 
 13.275 
 
 11.944 
 
 10.827 
 
 
 22 
 
 15.618 
 
 14.713 
 
 13.895 
 
 13.148 
 
 11.843 
 
 10.743 
 
 
 27 
 
 15.363 
 
 14.480 
 
 13.694 
 
 12.968 
 
 11.699 
 
 10.627 
 
 
 32 
 
 14.998 
 
 14.165 
 
 13.405 
 
 12.713 
 
 11.492 
 
 10.459 
 
 
 37 
 
 14.480 
 
 13.703 
 
 12.993 
 
 12.342 
 
 11.194 
 
 10.216 
 
 
 42 
 
 13.755 
 
 13.051 
 
 12.407 
 
 11.813 
 
 10.759 
 
 9.856 
 
 4:3 
 
 13 
 
 15.615 
 
 14.713 
 
 13.893 
 
 13.147 
 
 11.845 
 
 10.748 
 
 
 18 
 
 15.487 
 
 14.600 
 
 13.793 
 
 13.057 
 
 11.770 
 
 10.686 
 
 
 23 
 
 15.306 
 
 14.437 
 
 13.649 
 
 12.928 
 
 11.667 
 
 10.600 
 
 
 28 
 
 15.049 
 
 14.210 
 
 13.445 
 
 12.745 
 
 11.519 
 
 10.481 
 
 
 33 
 
 14.679 
 
 13.881 
 
 13.151 
 
 12.485 
 
 11.307 
 
 10.308 
 
 
 38 
 
 14.152 
 
 13.409 
 
 12.729 
 
 12.104 
 
 10.999 
 
 10.055 
 
 
 43 
 
 13.411 
 
 12.740 
 
 12.126 
 
 11.558 
 
 10.547 
 
 9.679 
 
 44: 
 
 14 
 
 15.299 
 
 14.4.33 
 
 13.643 
 
 12.924 
 
 11.665 
 
 10.602 
 
 
 19 
 
 15.170 
 
 14.318 
 
 13.542 
 
 12.832 
 
 11.589 
 
 10.538 
 
 
 24 
 
 14.988 
 
 14.154 
 
 13.396 
 
 12.702 
 
 11.484 
 
 10.451 
 
 
 29 
 
 14.729 
 
 13.924 
 
 13.189 
 
 12.516 
 
 11.333 
 
 10.328 
 
 
 34 
 
 14.354 
 
 13.590 
 
 12.890 
 
 12.250 
 
 11.116 
 
 10.150 
 
 
 39 
 
 1.3.818 
 
 13.108 
 
 12.458 
 
 11.869 
 
 10.797 
 
 9.887 
 
 
 44 
 
 13.061 
 
 12.423 
 
 11.838 
 
 11.295 
 
 10.328 
 
 9.495 
 
 45 
 
 10 
 
 15.067 
 
 14.226 
 
 13.462 
 
 12.761 
 
 11.533 
 
 10.494 
 
 
 15 
 
 14.977 
 
 14.146 
 
 13.387 
 
 12.695 
 
 11.479 
 
 10.450 
 
 
 20 
 
 14.848 
 
 14.030 
 
 13.285 
 
 12.601 
 
 11.402 
 
 10.385 
 
 
 25 
 
 14.665 
 
 13.865 
 
 13.137 
 
 12.470 
 
 11.295 
 
 10.296 
 
 
 30 
 
 14.403 
 
 13.633 
 
 12.927 
 
 12.281 
 
 11.141 
 
 10.170 
 
 
 35 
 
 14.024 
 
 13.293 
 
 12.G23 
 
 12.009 
 
 10.918 
 
 9.986 
 
 
 40 
 
 13.478 
 
 12.801 
 
 12.180 
 
 11.607 
 
 10.588 
 
 9.713 
 
 
 45 
 
 12.706 
 
 12.100 
 
 11.544 
 
 11.027 
 
 10.103 
 
 9.304 
 
 46 
 
 11 
 
 14.741 
 
 13.935 
 
 13.201 
 
 12.527 
 
 11.343 
 
 10.338 
 
 
 16 
 
 14.650 
 
 13.854 
 
 13.125 
 
 12.460 
 
 11.287 
 
 10.292 
 
 
 21 
 
 14.520 
 
 13.737 
 
 13.022 
 
 12.364 
 
 11.209 
 
 10.226 
 
 
 26 
 
 14.337 
 
 13.571 
 
 12.873 
 
 12.232 
 
 11.100 
 
 10.135 
 
 
 31 
 
 14.073 
 
 13..336 
 
 12.660 
 
 12.040 
 
 10.943 
 
 10.006 
 
 
 36 
 
 13.689 
 
 12.991 
 
 12.350 
 
 11.762 
 
 10.714 
 
 9.816 
 
 
 41 
 
 13.132 
 
 12.488 
 
 11.896 
 
 11.349 
 
 10.373 
 
 9.532 
 
 
 46 
 
 12.348 
 
 11.773 
 
 11.245 
 
 10.753 
 
 9.872 
 
 9.108 
 
 47 
 
 12 
 
 14.411 
 
 13.639 
 
 12.935 
 
 12.288 
 
 11.147 
 
 10.177 
 
 
 17 
 
 14.319 
 
 13.557 
 
 12.858 
 
 12.219 
 
 11.090 
 
 10.129 
 
 
 22 
 
 14.189 
 
 13.440 
 
 12.754 
 
 12.123 
 
 11.011 
 
 10.062 
 
 
 27 
 
 14.005 
 
 13.273 
 
 12.604 
 
 11.989 
 
 10.900 
 
 9.969 
 
 
 32 
 
 13.739 
 
 13.035 
 
 12.388 
 
 n.794 
 
 10.740 
 
 9.837 
 
 
 37 
 
 13.350 
 
 12.085 
 
 12.073 
 
 11.510 
 
 10.505 
 
 9.641 
 
 
 42 
 
 12.782 
 
 12.170 
 
 11.606 
 
 11.085 
 
 10.152 
 
 9.345 
 
 
 47 
 
 11.988 
 
 11.444 
 
 10.943 
 
 10.470 
 
 9.637 
 
 8.907 
 
 48 
 
 13 
 
 14.076 
 
 13.338 
 
 12.664 
 
 12.043 
 
 10.946 
 
 10.010 
 
TABXiS XXXX. 
 
 LIFE ANNUITIES— JOINT LIVES. 
 
 Shewing the Values of Annuities on Two Joint Lives according to 
 the combined experience of various Life Offices. 
 
 Age. 
 
 2| 
 Per Cent 
 
 3 
 Per Cent. 
 
 31 
 Per Cent. 
 
 4 
 Per Cent. 
 
 5 6 
 
 Per Cent. Per Cent. 
 
 1 
 
 Older. 1 Younger. 
 
 
 
 48 
 
 18 
 
 13.984 
 
 13.256 
 
 12.586 
 
 11.974 
 
 10.888 
 
 9.961 
 
 
 23 
 
 13.854 
 
 13.138 
 
 12.482 
 
 11.877 
 
 10.808 
 
 9.893 
 
 
 28 
 
 13.669 
 
 12.970 
 
 12.331 
 
 11.741 
 
 10.695 
 
 9.798 
 
 
 33 
 
 13.401 
 
 12.730 
 
 12.112 
 
 11.544 
 
 10.532 
 
 9.664 
 
 
 38 
 
 13.007 
 
 12.374 
 
 11.791 
 
 11.253 
 
 10.291 
 
 9.461 
 
 
 43 
 
 12.4-27 
 
 11.847 
 
 11.311 
 
 10.815 
 
 9.925 
 
 9.152 
 
 
 48 
 
 11.627 
 
 11.113 
 
 10.638 
 
 10.196 
 
 9.399 
 
 8.702 
 
 49 
 
 14 
 
 13.738 
 
 13.033 
 
 12.389 
 
 11.794 
 
 10.740 
 
 9.838 
 
 
 19 
 
 13.645 
 
 12.951 
 
 12.310 
 
 11.724 
 
 10.681 
 
 9.788 
 
 
 24 
 
 13.516 
 
 12.833 
 
 12.206 
 
 11.626 
 
 10.600 
 
 9.720 
 
 
 29 
 
 13.330 
 
 12.664 
 
 12.053 
 
 11.489 
 
 10.486 
 
 9.623 
 
 
 34 
 
 13.060 
 
 12.421 
 
 11.832 
 
 11.289 
 
 10.319 
 
 9.485 
 
 
 39 
 
 12.660 
 
 12.059 
 
 11.504 
 
 10.991 
 
 10.072 
 
 9.275 
 
 
 44 
 
 12.069 
 
 11.520 
 
 11.011 
 
 10.540 
 
 9.692 
 
 8.953 
 
 
 49 
 
 11.265 
 
 10.780 
 
 10..331 
 
 9.913 
 
 9.156 
 
 8.493 
 
 50 
 
 10 
 
 13.461 
 
 12.783 
 
 12.161 
 
 11.588 
 
 10.570 
 
 9.696 
 
 
 15 
 
 13.396 
 
 12.724 
 
 12.109 
 
 11.540 
 
 10.529 
 
 9.661 
 
 
 20 
 
 13.303 
 
 12.642 
 
 12.030 
 
 11.469 
 
 10.469 
 
 9.610 
 
 
 25 
 
 13.174 
 
 12.524 
 
 11.925 
 
 11.371 
 
 10.388 
 
 9.541 
 
 
 30 
 
 12.988 
 
 12.354 
 
 11.771 
 
 11.233 
 
 10.272 
 
 9.443 
 
 
 35 
 
 12.716 
 
 12.108 
 
 11.548 
 
 11.030 
 
 10.102 
 
 9.301 
 
 
 40 
 
 12.310 
 
 11.740 
 
 11.212 
 
 10.724 
 
 9.847 
 
 9.084 
 
 
 45 
 
 11.709 
 
 11.190 
 
 10.708 
 
 10.261 
 
 9.454 
 
 8.749 
 
 
 50 
 
 10.902 
 
 10.446 
 
 10.022 
 
 9.627 
 
 8.910 
 
 8.280 
 
 51 
 
 11 
 
 13.116 
 
 12.471 
 
 11.878 
 
 11.330 
 
 10.355 
 
 9.515 
 
 
 16 
 
 13.051 
 
 12.411 
 
 11.825 
 
 11.281 
 
 10.313 
 
 9.479 
 
 
 21 
 
 12.958 
 
 12.329 
 
 11.746 
 
 11.210 
 
 10.253 
 
 9.428 
 
 
 26 
 
 12.829 
 
 12.211 
 
 11.640 
 
 11.112 
 
 10.171 
 
 9.358 
 
 
 31 
 
 12.643 
 
 12.041 
 
 11.486 
 
 10.973 
 
 10.053 
 
 9.258 
 
 
 36 
 
 12.369 
 
 11.792 
 
 11.260 
 
 10.766 
 
 9.880 
 
 9.113 
 
 
 41 
 
 11.956 
 
 11.417 
 
 10.916 
 
 10.452 
 
 9.617 
 
 8.888 
 
 
 46 
 
 11.347 
 
 10.857 
 
 10.401 
 
 9.978 
 
 9.212 
 
 8.541 
 
 
 51 
 
 10.539 
 
 10.111 
 
 9.712 
 
 9.339 
 
 8.661 
 
 8.063 
 
 52 
 
 12 
 
 12.768 
 
 12.155 
 
 11.591 
 
 11.068 
 
 10.135 
 
 9.329 
 
 
 17 
 
 12.703 
 
 12.095 
 
 11.537 
 
 11.018 
 
 10.092 
 
 9.292 
 
 
 22 
 
 12.611 
 
 12.013 
 
 11.458 
 
 10.947 
 
 10.032 
 
 9.241 
 
 
 27 
 
 12.482 
 
 11.895 
 
 11.352 
 
 10.849 
 
 9.950 
 
 9.170 
 
 
 32 
 
 12.296 
 
 11.725 
 
 11.197 
 
 10.708 
 
 9.830 
 
 9.069 
 
 
 37 
 
 12.020 
 
 11.473 
 
 10.968 
 
 10.498 
 
 9.653 
 
 8.920 
 
 
 42 
 
 11.599 
 
 11.090 
 
 10.616 
 
 10.175 
 
 9.381 
 
 8.686 
 
 
 47 
 
 10.984 
 
 10.523 
 
 10.093 
 
 9.693 
 
 8.966 
 
 8.329 
 
 
 52 
 
 10.177 
 
 9.776 
 
 9.401 
 
 9.049 
 
 8.409 
 
 7.843 
 
 53 
 
 13 
 
 12.418 
 
 11.836 
 
 11.300 
 
 10.801 
 
 9.911 
 
 9.138 
 
 
 18 
 
 12.353 
 
 11.776 
 
 11.245 
 
 10.751 
 
 9.867 
 
 9.101 
 
 
 23 
 
 12.262 
 
 11.694 
 
 11.167 
 
 10.680 
 
 9.807 
 
 9.049 
 
 
 28 
 
 12.133 
 
 11.576 
 
 11.061 
 
 10.582 
 
 9.724 
 
 8.978 
 
TABZiS XZZX. 
 
 LIFE ANNUITIES— JOINT LIVES. 
 
 Shewing the Values of Annuities on Two Joint Lives accordino- to 
 the combined experience of various Life Offices. 
 
 Age. 
 
 2^ 
 Per Cent. 
 
 3 
 
 Per Cent. 
 
 3i 
 Per Cent. 
 
 4 
 Per Cent. 
 
 5 
 Per Cent. 
 
 Per Cent. 
 
 Older. 
 
 Younger' 
 
 53 
 
 33 
 
 11.947 
 
 11.406 
 
 10.905 
 
 10.440 
 
 9.603 
 
 8.876 
 
 
 38 
 
 11.668 
 
 11.151 
 
 10.672 
 
 10.226 
 
 9.422 
 
 8.722 
 
 
 43 
 
 11.240 
 
 10.760 
 
 10.312 
 
 9.894 
 
 9.140 
 
 8.479 
 
 
 48 
 
 10.021 
 
 10.188 
 
 9.783 
 
 9.405 
 
 8.718 
 
 8.113 
 
 
 53 
 
 9.816 
 
 9.441 
 
 9.089 
 
 8.758 
 
 8.150 
 
 7.621 
 
 54 
 
 14 
 
 12.066 
 
 11.514 
 
 11.005 
 
 10.531 
 
 9.682 
 
 8.943 
 
 
 19 
 
 12.001 
 
 11.454 
 
 10.950 
 
 10.481 
 
 9,638 
 
 8.905 
 
 
 24 
 
 11.911 
 
 11.373 
 
 10.873 
 
 10.410 
 
 9.578 
 
 8.854 
 
 
 29 
 
 11.782 
 
 11.255 
 
 10.767 
 
 10.312 
 
 9.494 
 
 8.782 
 
 
 34 
 
 11.596 
 
 11.085 
 
 10.610 
 
 10.169 
 
 9.372 
 
 8.678 
 
 
 39 
 
 11.314 
 
 10.826 
 
 10.373 
 
 9.950 
 
 9.187 
 
 8.519 
 
 
 44 
 
 10.879 
 
 10.427 
 
 10.004 
 
 9.609 
 
 8.895 
 
 8.266 
 
 
 49 
 
 10.259 
 
 9.853 
 
 9.472 
 
 9.116 
 
 8.467 
 
 7.894 
 
 
 54 
 
 9.457 
 
 9.106 
 
 8.776 
 
 8.466 
 
 7.900 
 
 7.395 
 
 55 
 
 10 
 
 11.755 
 
 11.232 
 
 10.746 
 
 10.294 
 
 9.479 
 
 8.770 
 
 
 15 
 
 11.712 
 
 11.189 
 
 10.707 
 
 10.257 
 
 9.449 
 
 8.743 
 
 
 20 
 
 11.647 
 
 11.130 
 
 10.652 
 
 10.207 
 
 9.405 
 
 8.705 
 
 
 25 
 
 11.558 
 
 11.049 
 
 10.576 
 
 10.136 
 
 9.345 
 
 8.053 
 
 
 30 
 
 11.4.30 
 
 10.932 
 
 10.470 
 
 10.038 
 
 9.260 
 
 8.581 
 
 
 35 
 
 11.244 
 
 10.761 
 
 10.312 
 
 9.894 
 
 9.137 
 
 8.475 
 
 
 40 
 
 10.958 
 
 10.499 
 
 10.071 
 
 9.671 
 
 8.947 
 
 8.312 
 
 
 45 
 
 10.517 
 
 10.092 
 
 9.694 
 
 9.321 
 
 8.646 
 
 8.050 
 
 
 50 
 
 9.898 
 
 9.517 
 
 9.160 
 
 8.825 
 
 8.214 
 
 7. 072 
 
 
 55 
 
 9.099 
 
 8.772 
 
 8.464 
 
 8.174 
 
 7.642 
 
 7.167 
 
 56 
 
 11 
 
 11.400 
 
 10.906 
 
 10.446 
 
 10.017 
 
 9.243 
 
 8.567 
 
 
 16 
 
 11.356 
 
 10.862 
 
 10.406 
 
 9.980 
 
 9.212 
 
 8.539 
 
 
 21 
 
 11.292 
 
 10.804 
 
 10.352 
 
 9.930 
 
 9.168 
 
 8.501 
 
 
 26 
 
 11.204 
 
 10.724 
 
 10.276 
 
 9.859 
 
 9.108 
 
 8.449 
 
 
 31 
 
 11.077 
 
 10.607 
 
 10.170 
 
 9.761 
 
 9.023 
 
 8.376 
 
 
 36 
 
 10.891 
 
 10.436 
 
 10.012 
 
 9.616 
 
 8.899 
 
 8.269 
 
 
 41 
 
 10.601 
 
 10.169 
 
 9.766 
 
 9.388 
 
 8.703 
 
 8.100 
 
 
 46 
 
 10.155 
 
 9.756 
 
 9.382 
 
 9.031 
 
 8.394 
 
 7.830 
 
 
 51 
 
 9.538 
 
 9.182 
 
 8.847 
 
 8.533 
 
 7.958 
 
 7.447 
 
 
 56 
 
 8.745 
 
 8.440 
 
 8.153 
 
 7.882 
 
 7.384 
 
 6.938 
 
 57 
 
 12 
 
 11.043 
 
 10.578 
 
 10.143 
 
 9.737 
 
 9.003 
 
 8.359 
 
 
 17 
 
 11.000 
 
 10.534 
 
 10.103 
 
 9.700 
 
 8.971 
 
 8.331 
 
 
 22 
 
 10.936 
 
 10.476 
 
 10.049 
 
 9.650 
 
 8.928 
 
 8.293 
 
 
 27 
 
 10.849 
 
 10.397 
 
 9.974 
 
 9.580 
 
 8.808 
 
 8.241 
 
 
 32 
 
 10.723 
 
 10.281 
 
 9.868 
 
 9.482 
 
 8.783 
 
 8.168 
 
 
 37 
 
 10.537 
 
 10.109 
 
 9.709 
 
 9.336 
 
 8.056 
 
 8.058 
 
 
 42 
 
 10.243 
 
 9.837 
 
 9.458 
 
 9.102 
 
 8.455 
 
 7.884 
 
 
 47 
 
 9.794 
 
 9.420 
 
 9.069 
 
 8.740 
 
 8.140 
 
 7.607 
 
 
 52 
 
 9.181 
 
 8.848 
 
 8.535 
 
 8.241 
 
 7.701 
 
 7.219 
 
 
 57 
 
 8.393 
 
 8.110 
 
 7.842 
 
 7.590 
 
 7.124 
 
 6.706 
 
 5S 
 
 13 
 
 10.685 
 
 10.248 
 
 9.837 
 
 9.454 
 
 8.759 
 
 8.147 
 
 
 18 
 
 10.642 
 
 10.204 
 
 9.797 
 
 9.417 
 
 8.727 
 
 8.119 
 
TABXiS XZXX. 
 
 LIFE ANNUITIES— JOINT LIVES. 
 
 Shewing the Values of Annuities on Two Joint Lives according to 
 the combined experience of various Life Offices. 
 
 Age. 
 
 ^ 
 
 3 
 
 31 
 
 4 
 
 5 
 
 6 
 
 Older. 
 
 Younger. 
 
 Per Cent. 
 
 Per Cent. 
 
 Per Cent. 
 
 Per Cent.rer Uent. 
 
 Per Cent. 
 
 58 
 
 23 
 
 10.580 
 
 10.147 
 
 9.744 
 
 9.367 
 
 8.683 
 
 8.081 
 
 
 28 
 
 10.494 
 
 10.068 
 
 9.670 
 
 9.299 
 
 8.624 
 
 8.029 
 
 
 33 
 
 10.369 
 
 9.953 
 
 9.565 
 
 9.200 
 
 8.539 
 
 7.955 
 
 
 38 
 
 10.182 
 
 9.780 
 
 9.404 
 
 9.052 
 
 8.410 
 
 7.843 
 
 
 43 
 
 9.883 
 
 9.503 
 
 9.147 
 
 8.813 
 
 8.203 
 
 7.662 
 
 
 48 
 
 9.434 
 
 9.084 
 
 8.756 
 
 8.447 
 
 7.883 
 
 7.380 
 
 
 53 
 
 8.824 
 
 8.515 
 
 8.223 
 
 7.948 
 
 7.442 
 
 6.990 
 
 
 58 
 
 8.043 
 
 7.781 
 
 7.533 
 
 7.298 
 
 6.864 
 
 6.473 
 
 59 
 
 14 
 
 10.327 
 
 9.916 
 
 9.529 
 
 9.168 
 
 8.511 
 
 7.931 
 
 
 19 
 
 10.284 
 
 9.873 
 
 9.490 
 
 9.131 
 
 8.479 
 
 7.903 
 
 
 24 
 
 10.223 
 
 9.817 
 
 9.437 
 
 9.082 
 
 8.436 
 
 7.865 
 
 
 29 
 
 10.138 
 
 9.739 
 
 9.364 
 
 9.014 
 
 8.377 
 
 7.813 
 
 
 34 
 
 10.015 
 
 9.625 
 
 9.259 
 
 8.916 
 
 8.292 
 
 7.739 
 
 
 39 
 
 9.827 
 
 9.450 
 
 9.097 
 
 8.766 
 
 8.161 
 
 7.625 
 
 
 44 
 
 9.523 
 
 9.168 
 
 8.834 
 
 8.521 
 
 7.947 
 
 7.437 
 
 
 49 
 
 9.075 
 
 8.749 
 
 8.442 
 
 8.154 
 
 7.624 
 
 7.151 
 
 
 54 
 
 8.471 
 
 8.183 
 
 7.911 
 
 7.655 
 
 7.182 
 
 6.758 
 
 
 59 
 
 7.697 
 
 7.455 
 
 7.225 
 
 7.007 
 
 6.603 
 
 6.238 
 
 60 
 
 10 
 
 10.109 
 
 9.611 
 
 9.246 
 
 8.905 
 
 8.282 
 
 7.730 
 
 
 15 
 
 9.969 
 
 9.583 
 
 9.220 
 
 8.880 
 
 8.260 
 
 7.711 
 
 
 20 
 
 9.926 
 
 9.541 
 
 9.181 
 
 8.844 
 
 8.229 
 
 7.683 
 
 
 25 
 
 9.866 
 
 9.486 
 
 9.129 
 
 8.795 
 
 8.186 
 
 7.646 
 
 
 30 
 
 9.783 
 
 9.409 
 
 9.057 
 
 8.728 
 
 8.127 
 
 7.594 
 
 
 35 
 
 9.661 
 
 9.295 
 
 8.952 
 
 8.630 
 
 8.041 
 
 7.519 
 
 
 40 
 
 9.472 
 
 9.119 
 
 8.788 
 
 8.477 
 
 7.908 
 
 7.402 
 
 
 45 
 
 9.164 
 
 8.833 
 
 8.521 
 
 8.227 
 
 7.689 
 
 7.209 
 
 
 50 
 
 8.719 
 
 8.415 
 
 8.129 
 
 7.860 
 
 7.364 
 
 6.920 
 
 
 55 
 
 8.120 
 
 7.853 
 
 7.601 
 
 7.362 
 
 6.921 
 
 6.524 
 
 
 60 
 
 7.355 
 
 7.131 
 
 6.919 
 
 6.717 
 
 6.342 
 
 6.003 
 
 61 
 
 11 
 
 9.643 
 
 9.278 
 
 8.936 
 
 8.615 
 
 8.029 
 
 7.508 
 
 
 16 
 
 9.612 
 
 9.250 
 
 8.910 
 
 8.590 
 
 8.007 
 
 7.489 
 
 
 21 
 
 9.569 
 
 9.209 
 
 8.872 
 
 8.555 
 
 7.976 
 
 7.461 
 
 
 26 
 
 9.511 
 
 9.155 
 
 8.821 
 
 8.507 
 
 7.933 
 
 7.423 
 
 
 31 
 
 9.429 
 
 9.079 
 
 8.750 
 
 8.440 
 
 7.875 
 
 7.372 
 
 
 36 
 
 9.308 
 
 8.966 
 
 8.645 
 
 8.343 
 
 7.789 
 
 7.296 
 
 
 41 
 
 9.117 
 
 8.788 
 
 8.479 
 
 8.187 
 
 7.653 
 
 7.177 
 
 
 46 
 
 8.807 
 
 8.498 
 
 8.207 
 
 7.933 
 
 7.429 
 
 6.978 
 
 
 51 
 
 8.365 
 
 8.084 
 
 7.818 
 
 7.566 
 
 7.103 
 
 6.687 
 
 
 56 
 
 7.774 
 
 7.527 
 
 7.293 
 
 7.071 
 
 6.661 
 
 6.290 
 
 
 61 
 
 7.018 
 
 6.812 
 
 6.616 
 
 6.429 
 
 6.083 
 
 5.767 
 
 62 
 
 12 
 
 9.287 
 
 8.946 
 
 8.626 
 
 8.325 
 
 7.774 
 
 7.283 
 
 
 17 
 
 9.256 
 
 8.918 
 
 8.600 
 
 8.300 
 
 7.752 
 
 7.263 
 
 
 22 
 
 9.214 
 
 8.878 
 
 8.563 
 
 8^/65 
 
 7.721 
 
 7.236 
 
 
 27 
 
 9.157 
 
 8.825 
 
 8.512 
 
 8.218 
 
 7.679 
 
 7.199 
 
 
 32 
 
 9.077 
 
 8.750 
 
 8.442 
 
 8.152 
 
 7.621 
 
 7.147 
 
 
 37 
 
 8.957 
 
 8.638 
 
 8.338 
 
 8.055 
 
 7.535 
 
 7.072 
 
 
 42 
 
 8.763 
 
 8.457 
 
 8.168 
 
 7.896 
 
 7.396 
 
 0.948 
 
TABX.E XXIX. 
 
 LIFE ANNUITIES— JOINT LIVES. 
 
 Shewing tlie Values of Annuities on Two Joint Lives according to 
 the combined experience of various Life Offices. 
 
 
 Age. 
 
 ^ 
 
 1 
 3 
 
 3^ 
 
 4 
 
 5 
 
 _ 1 
 
 
 
 Per Cent.lPer Cent.' J 
 
 Per Cent. Per (Jent.lJ 
 
 Per Cent. Per <Jont.| 
 
 
 Older. '' 
 
 62 
 
 I oungerJ 
 
 
 
 
 
 
 
 
 47 
 
 8.453 
 
 8.166 
 
 7.895 
 
 7.639 
 
 7.168 
 
 0.745 
 
 
 
 52 
 
 8.016 
 
 7.755 
 
 7.508 
 
 7.274 
 
 6.843 
 
 6.453 
 
 
 
 57 
 
 7.432 
 
 7.204 
 
 6.987 
 
 6.782 
 
 6.401 
 
 6.055 
 
 
 
 62 
 
 6.687 
 
 6.497 
 
 6.317 
 
 6.145 
 
 5.825 
 
 5.532 
 
 
 63 
 
 13 
 
 8.933 
 
 8.616 
 
 8.317 
 
 8.035 
 
 7.518 
 
 7.056 
 
 
 
 18 
 
 8.903 
 
 8.588 
 
 8.290 
 
 8.010 
 
 7.496 
 
 7.036 
 
 
 
 23 
 
 8.862 
 
 8.549 
 
 8.254 
 
 7.976 
 
 7.465 
 
 7.009 
 
 
 
 28 
 
 8.806 
 
 8.496 
 
 8.205 
 
 7.930 
 
 7.424 
 
 6.972 
 
 
 
 33 
 
 8.727 
 
 8.423 
 
 8.136 
 
 7.865 
 
 7.367 
 
 6.921 
 
 
 
 38 
 
 8.608 
 
 8.311 
 
 8.031 
 
 7.767 
 
 7.280 
 
 6.845 
 
 
 
 43 
 
 8.412 
 
 8.127 
 
 7.859 
 
 7.605 
 
 7.137 
 
 6.717 
 
 
 
 48 
 
 8.103 
 
 7.837 
 
 7.585 
 
 7.347 
 
 6.907 
 
 6.511 
 
 
 
 53 
 
 7.671 
 
 7.430 
 
 7.201 
 
 6.984 
 
 6.582 
 
 6.219 
 
 
 
 58 
 
 7.095 
 
 6.884 
 
 6.685 
 
 6.495 
 
 6.142 
 
 5.821 
 
 
 
 63 
 
 6.362 
 
 6.188 
 
 6.022 
 
 5.864 
 
 5.569 
 
 5.299 
 
 
 64 
 
 14 
 
 8.582 
 
 8.287 
 
 8.008 
 
 7.745 
 
 7.261 
 
 6.827 
 
 
 
 19 
 
 8.553 
 
 8.259 
 
 7.982 
 
 7.720 
 
 7.239 
 
 6.807 
 
 
 
 24 
 
 8.513 
 
 8.221 
 
 7.946 
 
 7.687 
 
 7.209 
 
 6.781 
 
 
 
 29 
 
 8.458 
 
 8.170 
 
 7.898 
 
 7.641 
 
 7.168 
 
 6.744 
 
 
 
 34 
 
 8.381 
 
 8.098 
 
 7.830 
 
 7.577 
 
 7.112 
 
 6.693 
 
 
 
 39 
 
 8.262 
 
 7.986 
 
 7.725 
 
 7.479 
 
 7.025 
 
 6.616 
 
 
 
 44 
 
 8.063 
 
 7.799 
 
 7.550 
 
 7.313 
 
 6.877 
 
 6.484 
 
 
 
 49 
 
 7.757 
 
 7.510 
 
 7.277 
 
 7.056 
 
 6.647 
 
 6.277 
 
 
 
 54 
 
 7.331 
 
 7.108 
 
 6.897 
 
 6.696 
 
 6.323 
 
 5.985 
 
 
 
 59 
 
 6.763 
 
 6.570 
 
 6.385 
 
 6.210 
 
 5.884 
 
 5.586 
 
 
 
 C4 
 
 6.044 
 
 5.885 
 
 5.733 
 
 5.588 
 
 5.316 
 
 5.067 
 
 
 65 
 
 10 
 
 8.255 
 
 7.979 
 
 7.719 
 
 7.473 
 
 7.019 
 
 6.611 
 
 
 
 15 
 
 8.235 
 
 7.961 
 
 7.701 
 
 7.456 
 
 7.004 
 
 6.597 
 
 
 
 20 
 
 8.206 
 
 7.933 
 
 7.675 
 
 7.432 
 
 6.982 
 
 6.578 
 
 
 
 25 
 
 8.167 
 
 7.897 
 
 7.641 
 
 7.399 
 
 6.953 
 
 6.551 
 
 
 
 30 
 
 8.114 
 
 7.847 
 
 7.594 
 
 7.354 
 
 6.913 
 
 6.515 
 
 
 
 35 
 
 8.039 
 
 7.775 
 
 7.527 
 
 7.291 
 
 6.857 
 
 6.465 
 
 
 
 40 
 
 7.919 
 
 7.664 
 
 7.421 
 
 7.192 
 
 6.768 
 
 6.386 
 
 
 
 45 
 
 7.718 
 
 7.474 
 
 7.243 
 
 7.024 
 
 6.618 
 
 6.251 
 
 
 
 50 
 
 7.416 
 
 7.188 
 
 6.973 
 
 6.768 
 
 6.388 
 
 6.043 
 
 
 
 55 
 
 6.997 
 
 6.791 
 
 6.596 
 
 6.410 
 
 6.065 
 
 5.751 
 
 
 
 CO 
 
 6.437 
 
 6.260 
 
 6.091 
 
 5.929 
 
 5.628 
 
 5.353 
 
 
 
 65 
 
 5.734 
 
 5.588 
 
 5.450 
 
 5.317 
 
 5.068 
 
 4.838 
 
 
 66 
 
 11 
 
 7.912 
 
 7.656 
 
 7.414 
 
 7.185 
 
 6.762 
 
 6.380 
 
 
 
 16 
 
 7.892 
 
 7.637 
 
 7.397 
 
 7.168 
 
 6.747 
 
 6.367 
 
 
 
 21 
 
 7.804 
 
 7.611 
 
 7.371 
 
 7.145 
 
 6.726 
 
 6.347 
 
 
 
 26 
 
 7.826 
 
 7.575 
 
 7.338 
 
 7.113 
 
 6.697 
 
 6.321 
 
 
 
 31 
 
 7.775 
 
 7.527 
 
 7.292 
 
 7.069 
 
 6.658 
 
 6.286 
 
 
 
 36 
 
 7.700 
 
 7.457 
 
 7.226 
 
 7.007 
 
 6.602 
 
 6.236 
 
 
 
 41 
 
 7.581 
 
 7.344 
 
 7.120 
 
 6.907 
 
 6.512 
 
 6.15(5 
 
 
 
 46 
 
 7.379 
 
 7.153 
 
 6.939 
 
 6.736 
 
 6.359 
 
 6.017 
 
 
 
 51 
 
 7.081 
 
 6.871 
 
 6.672 
 
 6.482 
 
 6.130 
 
 5.810 
 
TABXaXS XZZX. 
 
 LIFE ANNUITIES— JOINT LIVES. 
 
 Shewing the Values of Annuities on Two Joint Lives according to 
 the combined experience of various Life Offices. 
 
 Age. 
 
 n 
 
 3 
 
 3| 
 
 4 
 
 5 
 
 6 
 
 
 
 Per Cent. 
 
 Per Cent. 
 
 Per Cent. 
 
 Per Cent. 
 
 Per Cent. 
 
 Per Cent. 
 
 Older. 
 
 Younger. 
 
 
 
 
 
 
 
 66 
 
 56 
 
 6.668 
 
 6.480 
 
 6.300 
 
 6.129 
 
 5.810 
 
 5.518 
 
 
 61 
 
 6.118 
 
 5.956 
 
 5.801 
 
 6.653 
 
 5.376 
 
 5.122 
 
 
 66 
 
 5.431 
 
 5.299 
 
 5.173 
 
 5.051 
 
 4.823 
 
 4.612 
 
 67 
 
 12 
 
 7.573 
 
 7.336 
 
 7.112 
 
 6.900 
 
 6.506 
 
 6.150 
 
 
 17 
 
 7.553 
 
 7.318 
 
 7.095 
 
 6.883 
 
 6.491 
 
 6.136 
 
 
 22 
 
 7.526 
 
 7.292 
 
 7.070 
 
 6.8G0 
 
 6.470 
 
 6.117 
 
 
 27 
 
 7.490 
 
 7.258 
 
 7.038 
 
 6.829 
 
 6.442 
 
 6.092 
 
 
 32 
 
 7.440 
 
 7.210 
 
 6.993 
 
 6.786 
 
 6.404 
 
 6.057 
 
 
 37 
 
 7.367 
 
 7.141 
 
 6.928 
 
 6.725 
 
 6.348 
 
 6.007 
 
 
 42 
 
 7.246 
 
 7.028 
 
 6.820 
 
 6.623 
 
 6.257 
 
 5.925 
 
 
 47 
 
 7.044 
 
 6.837 
 
 6.639 
 
 6.451 
 
 6.102 
 
 5.784 
 
 
 52 
 
 6.752 
 
 6.559 
 
 6.375 
 
 6.200 
 
 5.874 
 
 5.577 
 
 
 57 
 
 6.347 
 
 6.174 
 
 6.009 
 
 5.851 
 
 5.557 
 
 5.287 
 
 
 62 
 
 5.807 
 
 5.658 
 
 5.516 
 
 5.381 
 
 5.126 
 
 4.892 
 
 
 67 
 
 5.138 
 
 5.018 
 
 4.902 
 
 4.792 
 
 4.583 
 
 4.390 
 
 68 
 
 13 
 
 7.240 
 
 7.021 
 
 6.814 
 
 6.617 
 
 6.251 
 
 5.920 
 
 
 18 
 
 7.220 
 
 7.003 
 
 6.797 
 
 6.601 
 
 6.236 
 
 5.906 
 
 
 23 
 
 7.194 
 
 6.978 
 
 6.773 
 
 6..578 
 
 6.216 
 
 5.887 
 
 
 28 
 
 7.159 
 
 6.945 
 
 6.741 
 
 6.548 
 
 6.189 
 
 5.862 
 
 
 33 
 
 7.111 
 
 6.899 
 
 0.698 
 
 6.507 
 
 6.151 
 
 5.828 
 
 
 38 
 
 7.038 
 
 6.831 
 
 6.633 
 
 6.445 
 
 6.096 
 
 5.779 
 
 
 43 
 
 6.917 
 
 6.715 
 
 6.524 
 
 6.342 
 
 6.003 
 
 5.694 
 
 
 48 
 
 6.717 
 
 6.525 
 
 6.343 
 
 6.170 
 
 5.847 
 
 5.552 
 
 
 53 
 
 6.429 
 
 6.252 
 
 6.083 
 
 5.922 
 
 5.622 
 
 5.347 
 
 
 58 
 
 6.032 
 
 5.874 
 
 5.722 
 
 5.578 
 
 5.307 
 
 5.058 
 
 
 63 
 
 5.503 
 
 5.368 
 
 5.238 
 
 5.114 
 
 4.881 
 
 4.666 
 
 
 68 
 
 4.853 
 
 4.744 
 
 4.639 
 
 4.539 
 
 4.349 
 
 4.172 
 
 69 
 
 14 
 
 6.912 
 
 6.711 
 
 6.520 
 
 6.337 
 
 5.999 
 
 5.690 
 
 
 19 
 
 6.893 
 
 6.693 
 
 6.503 
 
 6.321 
 
 5.984 
 
 5.677 
 
 
 24 
 
 6.868 
 
 6.669 
 
 6.480 
 
 6.300 
 
 5.964 
 
 5.659 
 
 
 29 
 
 6.834 
 
 6.637 
 
 6.449 
 
 6.270 
 
 5.937 
 
 5.634 
 
 
 34 
 
 6.787 
 
 6.592 
 
 6.407 
 
 6.230 
 
 5.901 
 
 5.601 
 
 
 39 
 
 6.716 
 
 6.525 
 
 6.343 
 
 6.169 
 
 5.846 
 
 5.551 
 
 
 44 
 
 6.592 
 
 6.408 
 
 6.231 
 
 6.063 
 
 5.750 
 
 5.464 
 
 
 49 
 
 6.396 
 
 6.220 
 
 6.053 
 
 5.893 
 
 5.595 
 
 5.322 
 
 
 54 
 
 6.114 
 
 5.952 
 
 5.797 
 
 5.649 
 
 5.372 
 
 5.118 
 
 
 59 
 
 5.724 
 
 5.580 
 
 5.441 
 
 5.309 
 
 5.060 
 
 4.832 
 
 
 64 
 
 5.208 
 
 5.085 
 
 4.967 
 
 4.854 
 
 4.641 
 
 4.444 
 
 
 69 
 
 4.578 
 
 4.479 
 
 4.384 
 
 4.293 
 
 4.120 
 
 3.959 
 
 70 
 
 10 
 
 6.602 
 
 6.417 
 
 6.240 
 
 6.071 
 
 5.757 
 
 5.471 
 
 
 15 
 
 6.590 
 
 6.405 
 
 6.229 
 
 6.061 
 
 5.748 
 
 5.462 
 
 
 20 
 
 6.572 
 
 6.388 
 
 6.212 
 
 6.045 
 
 5.733 
 
 5.449 
 
 
 25 
 
 6.548 
 
 6.364 
 
 6.190 
 
 6.024 
 
 5.714 
 
 5.431 
 
 
 30 
 
 6.515 
 
 6.333 
 
 6.160 
 
 5.996 
 
 5.688 
 
 5.407 
 
 
 35 
 
 6.469 
 
 6.290 
 
 6.119 
 
 5.957 
 
 5.652 
 
 5.374 
 
 
 40 
 
 6.399 
 
 6.223 
 
 6.056 
 
 5.896 
 
 5.597 
 
 5.325 
 
 
 45 
 
 6.274 
 
 6.105 
 
 5.943 
 
 5.788 
 
 5.500 
 
 5.235 
 
TABZiS XZIZ. 
 
 LIFE ANNUITIES— JOINT LIVES. 
 
 Shewing the Values of Annuities on Two Joint Lives according to 
 the combined experience of various Life Offices. 
 
 Age. 
 
 2^ 
 
 3 
 
 3^ 
 
 4 
 
 5 
 Per Cent. 
 
 6 
 Per Cent. 
 
 Older, 
 
 younger. 
 
 Per Cent 
 
 Per Cent. 
 
 Per Cent, rer i^eni. 
 
 70 
 
 50 
 
 6.081 
 
 5.920 
 
 5.767 
 
 5.620 
 
 5.346 
 
 5.094 
 
 
 55 
 
 5.806 
 
 5.657 
 
 5.516 
 
 5.380 
 
 5.126 
 
 4.892 
 
 
 60 
 
 5.424 
 
 5.292 
 
 5.166 
 
 5.045 
 
 4.817 
 
 4.607 
 
 
 65 
 
 4.921 
 
 4.809 
 
 4.702 
 
 4.599 
 
 4.405 
 
 4.225 
 
 
 70 
 
 4.311 
 
 4.222 
 
 4.136 
 
 4,054 
 
 3.897 
 
 3.751 
 
 71 
 
 11 
 
 6.286 
 
 6.116 
 
 5.954 
 
 5.799 
 
 5.509 
 
 5.244 
 
 
 16 
 
 6.274 
 
 6.105 
 
 5.943 
 
 5.788 
 
 5.499 
 
 5.235 
 
 
 21 
 
 6.257 
 
 6.088 
 
 5.927 
 
 5.773 
 
 5.485 
 
 5.222 
 
 
 26 
 
 6.233 
 
 6.066 
 
 5.905 
 
 5.753 
 
 5.466 
 
 5.205 
 
 
 31 
 
 6.202 
 
 6.036 
 
 5.877 
 
 5.725 
 
 5.441 
 
 5.181 
 
 
 36 
 
 6.158 
 
 5.994 
 
 5.837 
 
 5.687 
 
 5.407 
 
 5.150 
 
 
 41 
 
 6.088 
 
 5.927 
 
 5.773 
 
 5.626 
 
 5.351 
 
 5.099 
 
 
 46 
 
 5.963 
 
 5.808 
 
 5.659 
 
 5.518 
 
 5.252 
 
 5.008 
 
 
 51 
 
 5.774 
 
 5.627 
 
 5.487 
 
 5.352 
 
 5.100 
 
 4.868 
 
 
 56 
 
 5.505 
 
 5.370 
 
 5.240 
 
 5.116 
 
 4.883 
 
 4.668 
 
 
 61 
 
 5.132 
 
 6.012 
 
 4.897 
 
 4.787 
 
 4.579 
 
 4.386 
 
 
 66 
 
 4.643 
 
 4.542 
 
 4.445 
 
 4.351 
 
 4.175 
 
 4.010 
 
 
 71 
 
 4.054 
 
 3.974 
 
 3.896 
 
 3.822 
 
 3,680 
 
 . 3.547 
 
 72 
 
 12 
 
 5.977 
 
 5.821 
 
 5.672 
 
 5.530 
 
 5.263 
 
 5.018 
 
 
 17 
 
 5.965 
 
 5.810 
 
 5.662 
 
 5.520 
 
 5.254 
 
 5.010 
 
 
 22 
 
 5.948 
 
 5.794 
 
 5.646 
 
 5.505 
 
 5.240 
 
 4.997 
 
 
 27 
 
 5.926 
 
 5.772 
 
 5.626 
 
 5.485 
 
 5.222 
 
 4.980 
 
 
 32 
 
 5.696 
 
 5.744 
 
 5.598 
 
 5.459 
 
 5.198 
 
 4.958 
 
 
 37 
 
 5.853 
 
 5.703 
 
 5.559 
 
 5.422 
 
 5.164 
 
 4.927 
 
 
 42 
 
 5.783 
 
 5.636 
 
 5.495 
 
 5.360 
 
 5.108 
 
 4.875 
 
 
 47 
 
 5.659 
 
 5.517 
 
 5.381 
 
 5.251 
 
 5.008 
 
 4.783 
 
 
 52 
 
 5.474 
 
 5.340 
 
 5.212 
 
 5.089 
 
 4.858 
 
 4.645 
 
 
 57 
 
 5.212 
 
 5.089 
 
 4.971 
 
 4.858 
 
 4.645 
 
 4.447 
 
 
 62 
 
 4.847 
 
 4.739 
 
 4.634 
 
 4.534 
 
 4.345 
 
 4.169 
 
 
 67 
 
 4.374 
 
 4.283 
 
 4.195 
 
 4.110 
 
 3.950 
 
 3.800 
 
 
 72 
 
 3.806 
 
 3,734 
 
 3.664 
 
 3.597 
 
 3.469 
 
 3.348 
 
 73 
 
 13 
 
 5.675 
 
 6.532 
 
 5.396 
 
 5.266 
 
 5.021 
 
 4.795 
 
 
 18 
 
 5.663 
 
 5.521 
 
 5.385 
 
 5.255 
 
 5.011 
 
 4.787 
 
 
 23 
 
 5.647 
 
 5.506 
 
 5.371 
 
 5.241 
 
 4.998 
 
 4.774 
 
 
 28 
 
 5.625 
 
 5.485 
 
 5.351 
 
 5.222 
 
 4.981 
 
 4.758 
 
 
 33 
 
 5.597 
 
 5.458 
 
 5.324 
 
 5.197 
 
 4.957 
 
 4.737 
 
 
 38 
 
 5.555 
 
 5.418 
 
 5.287 
 
 5.161 
 
 4.924 
 
 4.706 
 
 
 43 
 
 5.484 
 
 5.350 
 
 5.221 
 
 5.098 
 
 4.867 
 
 4.653 
 
 
 48 
 
 5.362 
 
 5.233 
 
 5.109 
 
 4.990 
 
 4.767 
 
 4.561 
 
 
 53 
 
 5.182 
 
 5.061 
 
 4.944 
 
 4.832 
 
 4.621 
 
 4.425 
 
 
 58 
 
 4.927 
 
 4.815 
 
 4.708 
 
 4.605 
 
 4.411 
 
 4.230 
 
 
 63 
 
 4.572 
 
 4.474 
 
 4.379 
 
 4.288 
 
 4.116 
 
 3.955 
 
 
 68 
 
 4.114 
 
 4.032 
 
 3.953 
 
 3.876 
 
 3.731 
 
 3.595 
 
 
 73 
 
 3.568 
 
 3.503 
 
 3.440 
 
 3.380 
 
 3.264 
 
 3.155 
 
 74 
 
 14 
 
 5.379 
 
 5.249 
 
 5.125 
 
 5.006 
 
 4.782 
 
 4.575 
 
 
 19 
 
 5.368 
 
 5.238 
 
 5.115 
 
 4.996 
 
 4.772 
 
 4.566 
 
 
 24 
 
 5.352 
 
 5.224 
 
 5.100 
 
 4.982 
 
 4.760 
 
 4.554 
 
 
 29 
 
 6.332 
 
 5.-204 
 
 5.082 
 
 4.964 
 
 4.743 
 
 4.539 
 
 a 
 
LIFE ANNUITIES— JOINT LIVES. 
 
 Shewino: the Values of Annuities on Two Joint Lives according to 
 the combined experience of various Life Offices. 
 
 Age. 
 
 2| 
 Per Cent. 
 
 3 
 Per Cent. 
 
 31 
 Per Cent. 
 
 4 
 Per Cent. 
 
 5 
 
 Per Cent. 
 
 6 
 
 Older. 
 
 Younger. 
 
 Per Cent. 
 
 74 
 
 34 
 
 5.304 
 
 5.178 
 
 5.056 
 
 4.940 
 
 4.720 
 
 4.518 
 
 
 39 
 
 5.264 
 
 5.139 
 
 5.019 
 
 4.904 ' 
 
 4.688 
 
 4.488 
 
 
 44 
 
 5.192 
 
 5.070 
 
 4.953 
 
 4.841 
 
 4.629 
 
 4.43? 
 
 
 49 
 
 5.073 
 
 4.955 
 
 4.843 
 
 4.735 
 
 4.531 
 
 4.342 
 
 
 54 
 
 4.898 
 
 4.788 
 
 4.682 
 
 4.580 
 
 4.387 
 
 4.208 
 
 
 59 
 
 4.649 
 
 4.548 
 
 4.451 
 
 4.358 
 
 4.181 
 
 4.016 
 
 
 64 
 
 4.305 
 
 4.216 
 
 4.131 
 
 4.048 
 
 3.892 
 
 3.746 
 
 
 69 
 
 3.864 
 
 3.790 
 
 3.718 
 
 3.649 
 
 3.518 
 
 3.395 
 
 
 74 
 
 3.338 
 
 3.280 
 
 3.224 
 
 3.170 
 
 3.066 
 
 2.968 
 
 75 
 
 10 
 
 5.097 
 
 4.979 
 
 4.866 
 
 4.757 
 
 4.552 
 
 4.362 
 
 
 15 
 
 5.090 
 
 4.973 
 
 4.860 
 
 4.751 
 
 4.546 
 
 4.357 
 
 
 20 
 
 5.080 
 
 4.962 
 
 4.850 
 
 4.741 
 
 4.537 
 
 4.348 
 
 
 25 
 
 5.065 
 
 4.948 
 
 4.836 
 
 4.728 
 
 4.525 
 
 4.337 
 
 
 30 
 
 5.045 
 
 4.929 
 
 4.818 
 
 4.711 
 
 4.509 
 
 4.322 
 
 
 35 
 
 5.019 
 
 4.904 
 
 4.794 
 
 4.688 
 
 4.487 
 
 4.302 
 
 
 40 
 
 4.!)80 
 
 4.8G6 
 
 4.757 
 
 4.653 
 
 4.455 
 
 4.272 
 
 
 45 
 
 4.907 
 
 4.797 
 
 4.691 
 
 4.588 
 
 4.395 
 
 4.217 
 
 
 50 
 
 4.791 
 
 4.685 
 
 4.583 
 
 4.485 
 
 4.299 
 
 4.127 
 
 
 55 
 
 4.622 
 
 4.522 
 
 4.426 
 
 4.333 
 
 4.158 
 
 3.995 
 
 
 60 
 
 4.380 
 
 4.289 
 
 4.201 
 
 4.116 
 
 3.956 
 
 3.806 
 
 
 65 
 
 4.047 
 
 3.967 
 
 3.890 
 
 3.815 
 
 3.674 
 
 3.542 
 
 
 70 
 
 3.623 
 
 3.556 
 
 3.492 
 
 3.430 
 
 3.311 
 
 3.200 
 2.786 
 
 
 75 
 
 3.118 
 
 3.006 
 
 3.016 
 
 2.967 
 
 2.874 
 
 7S 
 
 11 
 
 4.816 
 
 4.709 
 
 4.607 
 
 4.508 
 
 4.321 
 
 4.147 
 
 
 16 
 
 4.809 
 
 4.703 
 
 4.600 
 
 4.501 
 
 4.315 
 
 4.142 
 
 
 21 
 
 4.799 
 
 4.693 
 
 4.590 
 
 4.492 
 
 4.306 
 
 4.134 
 
 
 26 
 
 4.785 
 
 4.679 
 
 4.577 
 
 4.480 
 
 4.295 
 
 4.123 
 
 
 31 
 
 4.767 
 
 4.661 
 
 4.560 
 
 4.463 
 
 4.279 
 
 4.108 
 
 
 36 
 
 4.742 
 
 4.638 
 
 4.537 
 
 4.441 
 
 4.258 
 
 4.089 
 
 
 41 
 
 4.703 
 
 4.600 
 
 4.501 
 
 4.406 
 
 4.226 
 
 4.059 
 
 
 46 
 
 4.630 
 
 4.530 
 
 4.434 
 
 4.341 
 
 4166 
 
 4.003 
 
 
 51 
 
 4.518 
 
 4.422 
 
 4.329 
 
 4.240 
 
 4.072 
 
 3.915 
 
 
 56 
 
 4.354 
 
 4.264 
 
 4.177 
 
 4.093 
 
 3.934 
 
 3.786 
 
 
 61 
 
 4.119 
 
 4.037 
 
 3.958 
 
 3.881 
 
 3.736 
 
 3.600 
 
 
 66 
 
 3.798 
 
 3.726 
 
 3.657 
 
 3.589 
 
 3.462 
 
 3.342 
 
 
 71 
 
 3.390 
 
 3.331 
 
 3.274 
 
 3.218 
 
 3.111 
 
 3.011 
 
 
 76 
 
 2.907 
 
 2.861 
 
 2.816 
 
 2.773 
 
 2.689 
 
 2.610 
 
 77 
 
 12 
 
 4.542 
 
 4.446 
 
 4.353 
 
 4.263 
 
 4.093 
 
 3.935 
 
 
 17 
 
 4.535 
 
 4.439 
 
 4.346 
 
 4.257 
 
 4.087 
 
 3.930 
 
 
 22 
 
 4.526 
 
 4.429 
 
 4.337 
 
 4.248 
 
 4.079 
 
 3.922 
 
 
 27 
 
 4.512 
 
 4.417 
 
 4.325 
 
 4.236 
 
 4.068 
 
 3.911 
 
 
 32 
 
 4.495 
 
 4.400 
 
 4.308 
 
 4.220 
 
 4.053 
 
 3.898 
 
 
 37 
 
 4.471 
 
 4.377 
 
 4.287 
 
 4.199 
 
 4.034 
 
 3.879 
 
 
 42 
 
 4.433 
 
 4.340 
 
 4.251 
 
 4.164 
 
 4.001 
 
 3.849 
 
 
 47 
 
 4.361 
 
 4.271 
 
 4.184 
 
 4.100 
 
 3.941 
 
 3.793 
 
 
 52 
 
 4.252 
 
 4.166 
 
 4.082 
 
 4.002 
 
 3.849 
 
 3.707 
 
 
 57 
 
 4.094 
 
 4.013 
 
 3.935 
 
 3.859 
 
 3.716 
 
 3.581 
 
 
 62 
 
 3.867 
 
 3.793 
 
 3.722 
 
 3.653 
 
 3.522 
 
 3.399 
 
 
 67 
 
 3.557 
 
 3.493 
 
 3.431 
 
 3.371 
 
 3.256 
 
 3.148 
 
TABZiE XZZZ. 
 
 LIFE ANNUITIES-JOINT LIVES. 
 
 Shewing the Values of Annuities on Two Joint Lives according to 
 the couibined experience of various Life Offices. ° 
 
 I 
 
 Age. 
 
 21 
 
 3 3^- 4 
 
 t.Per Cent. Per Cent.lPer Cent 
 
 1 1 
 
 5 
 ,. Per Cent 
 
 6 
 t. Per Cent. 
 
 Older 
 
 Yo . gerF^' Cen 
 
 77 
 
 72 
 
 ' 3.167 
 
 3.114 
 
 j 3.063 
 
 3.013 
 
 2.918 
 
 2.828 
 
 
 77 
 
 2.704 
 
 2.664 
 
 1 2.624 
 
 1 
 
 2.585 
 
 2.511 
 
 2.440 
 
 7a 
 
 13 
 
 4.276 
 
 4.189 
 
 1 4.105 
 
 4.024 
 
 3.870 
 
 3.727 
 
 
 18 
 
 4.269 
 
 4.182 
 
 1 4.099 
 
 4.018 
 
 3.865 
 
 3.721 
 
 
 23 
 
 4.260 
 
 4.173 
 
 4.090 
 
 4.010 
 
 3.857 
 
 3.714 
 
 
 28 
 
 4.247 
 
 4.161 
 
 4.078 
 
 3.998 
 
 3.846 
 
 3.704 
 
 
 33 
 
 4.231 
 
 4.146 
 
 4.063 
 
 3.983 
 
 3.832 
 
 3.691 
 
 
 38 
 
 4.209 
 
 4.124 
 
 i 4.042 
 
 3.963 
 
 3.813 
 
 3.673 
 
 
 43 
 
 4.170 
 
 4.086 
 
 i 4.006 
 
 3.928 
 
 3.780 
 
 3.642 
 
 
 48 
 
 4.100 
 
 4.019 
 
 j 3.940 
 
 3.865 
 
 3.721 
 
 ; 3.587 
 
 
 53 
 
 3.995 
 
 3.917 
 
 1 3.842 
 
 3.770 
 
 3.632 
 
 1 3.503 
 
 
 58 
 
 3.843 
 
 3.770 
 
 , 3.699 
 
 3.631 
 
 3.502 
 
 3.380 
 
 
 63 
 
 3.623 
 
 3.557 
 
 ; 3.493 
 
 3.431 
 
 3.313 
 
 3.202 
 
 
 68 
 
 3.326 
 
 3.269 
 
 3.213 
 
 3.1.59 
 
 3.056 
 
 2.959 
 
 
 73 
 
 2.954 
 
 2.906 
 
 i 2.861 
 
 2.816 
 
 2.731 
 
 i 2.650 
 
 
 78 
 
 2.511 
 
 2.475 
 
 i 2.440 
 
 2.405 
 
 2.339 
 
 I 2.276 
 
 79 
 
 14 
 
 4.017 
 
 3.939 
 
 i 3.864 
 
 3.791 
 
 3.652 
 
 3.522 
 
 
 19 
 
 4.011 
 
 3.933 
 
 i 3.858 
 
 3.785 
 
 3.647 
 
 3.517 
 
 
 24 
 
 4.002 
 
 3.924 
 
 1 3.849 
 
 3.777 
 
 3.639 
 
 3.510 
 
 
 29 
 
 3.990 
 
 3.913 
 
 ' 3.838 
 
 3.766 
 
 3.629 
 
 3.500 
 
 
 34 
 
 3.975 
 
 3.898 
 
 3.824 
 
 3.752 
 
 3.616 
 
 3.488 
 
 
 39 
 
 3.954 
 
 3.878 
 
 3.804 
 
 3.733 
 
 3.598 
 
 3 471 
 
 
 44 
 
 3.914 
 
 3.840 
 
 3.767 
 
 3.697 
 
 3.564 
 
 3.440 
 
 
 49 
 
 3.847 
 
 3.774 
 
 3.704 
 
 3.636 
 
 3.506 
 
 3.385 
 
 
 54 
 
 3.746 
 
 3.677 
 
 3.609 
 
 3..544 
 
 3.420 
 
 3.3' '4 
 
 
 59 
 
 3.599 
 
 3.534 
 
 3.471 
 
 3.410 ; 
 
 3.294 ; 
 
 3.184 
 
 
 64 
 
 3.388 
 
 3.329 
 
 3.272 j 
 
 3.216 j 
 
 3.111 ' 
 
 3.011 
 
 
 69 
 
 3.105 
 
 3.054 
 
 3.004 1 
 
 2.956 
 
 2.863 ; 
 
 2.776 
 
 
 74 
 
 2.749 
 
 2.707 
 
 2.666 
 
 2.626 
 
 2.550 
 
 2.478 
 
 
 79 
 
 2.327 
 
 2.295 
 
 2.264 
 
 2.234 
 
 2.175 
 
 2.119 
 
 80 
 
 10 i 
 
 3.770 
 
 3.700 
 
 3.632 
 
 3.567 
 
 3.442 
 
 3.325 
 
 
 15 j 
 
 3.766 
 
 3.696 
 
 3.629 
 
 3.563 
 
 3.439 
 
 3.322 
 
 
 20 
 
 3.760 
 
 3.690 
 
 3.623 
 
 3.558 
 
 3.433 
 
 3.317 
 
 
 25 
 
 3.752 1 
 
 3.682 i 
 
 3.615 
 
 3.550 
 
 3.426 
 
 3.310 
 
 
 30 
 
 3.741 1 
 
 3.672 
 
 3.605 
 
 3.540 
 
 3.417 
 
 3.301 
 
 
 35 
 
 3.727 1 
 
 3.658 
 
 3..591 
 
 3.527 
 
 3.404 
 
 3.289 
 
 
 40 
 
 3.706 
 
 3.638 1 
 
 3.572 
 
 3.508 
 
 3.387 
 
 3.272 
 
 
 45 
 
 3.667 
 
 3.600 
 
 3,535 
 
 3.473 
 
 3.353 
 
 3.241 
 
 
 50 
 
 3.602 
 
 3.537 
 
 3.474 
 
 3.413 
 
 3.297 
 
 3.187 
 
 
 55 
 
 3.505 
 
 3.443 
 
 3.383 
 
 3.325 
 
 3.213 
 
 3.109 
 
 
 60 
 
 3.364 
 
 3.306 
 
 3.250 
 
 3.195 
 
 3.091 
 
 2.993 
 
 
 65 
 
 3.162 
 
 3.109 
 
 3.058 
 
 3.009 
 
 2.914 
 
 2.825 
 
 
 70 
 
 2.892 
 
 2.846 
 
 2 802 
 
 2.759 
 
 2.677 
 
 2.599 
 
 
 75 
 
 2..553 
 
 2.516 
 
 2.480 
 
 2.445 
 
 2.377 
 
 2.313 
 
 
 80 
 
 2.152 
 
 1 
 
 2.124 
 
 2.096 
 
 2.0G9 
 
 2.017 
 
 1.968 
 
 81 
 
 1 
 11 j 
 
 3.526 
 
 3.464 
 
 3.403 
 
 3 345 
 
 3.233 
 
 3.128 
 
 
 16 [ 
 
 3.522 
 
 3.460 
 
 3.400 
 
 3.341 1 
 
 3.230 
 
 3.125 
 
 
 21 1 
 
 3.516 
 
 3.454 
 
 3.394 
 
 3.336 ■■ 
 
 3.225 
 
 .3.120 
 
TASXiB XXXI. 
 
 LIFE ANNUITIES— JOINT LIVES. 
 
 Shewing the Values of Annuities on Two Joint Lives according to 
 the combined experience of various Life Offices. 
 
 Age. 
 
 2| 
 Per Cent. 
 
 3 
 
 Per Cent. 
 
 3^ 4 
 Per Cent. Per Cent. 
 
 1 
 
 5 
 
 Per Cent. 
 
 6 
 Per Cent. 
 
 Older. 
 
 Younger. 
 
 SI 
 
 26 
 
 3.509 
 
 3.447 
 
 3.387 
 
 3.329 
 
 3.218 
 
 3.113 
 
 
 31 
 
 3.499 
 
 3.437 
 
 3.377 
 
 3.320 
 
 3.209 
 
 3.105 
 
 
 36 
 
 3.485 
 
 3.424 
 
 3.365 
 
 3.307 
 
 3.197 
 
 3.094 
 
 
 41 
 
 3.465 
 
 3.405 
 
 3.346 
 
 3.289 
 
 3.180 
 
 3.078 
 
 
 46 
 
 3.426 
 
 3.367 
 
 3.309 
 
 3.253 
 
 3.146 
 
 3.046 
 
 
 51 
 
 3.364 
 
 3.306 
 
 3.250 
 
 3.196 
 
 3.092 
 
 2.994 
 
 
 56 
 
 3.272 
 
 3.217 
 
 3.164 
 
 3.112 
 
 3.012 
 
 2.918 
 
 
 61 
 
 3.137 
 
 3.085 
 
 3.035 
 
 2.987 
 
 2.894 
 
 2.806 
 
 
 66 
 
 2.944 
 
 2.897 
 
 2.852 
 
 2.808 
 
 2.724 
 
 2.644 
 
 
 71 
 
 2.688 
 
 2.648 
 
 2.008 
 
 2.570 
 
 2.497 
 
 2.428 
 
 
 76 
 
 2.366 
 
 2.334 
 
 2.302 
 
 2.270 
 
 2.210 
 
 2.153 
 
 
 81 
 
 1.985 
 
 1.961 
 
 1.936 
 
 1.913 
 
 1.867 
 
 1.823 
 
 QZ 
 
 12 
 
 3.288 
 
 3.233 
 
 3.179 
 
 3.127 
 
 3.028 
 
 2.934 
 
 
 17 
 
 3.285 
 
 3.229 
 
 3.176 
 
 3.124 
 
 3.025 
 
 2.931 
 
 
 22 
 
 3.279 
 
 3.224 
 
 3.171 
 
 3.119 
 
 3.020 
 
 2.926 
 
 
 27 
 
 3.272 
 
 3.217 
 
 3.164 
 
 3.112 
 
 3.013 
 
 2.920 
 
 
 32 
 
 3.263 
 
 3.208 
 
 3.155 
 
 3.104 
 
 3.005 
 
 2.912 
 
 
 37 
 
 3.250 
 
 3.196 
 
 3,143 
 
 3.092 
 
 2.994 
 
 2.902 
 
 
 42 
 
 3.231 
 
 3.177 
 
 3.125 
 
 3.074 
 
 2.977 
 
 2.886 
 
 
 47 
 
 3.193 
 
 3.140 
 
 3.089 
 
 3.039 
 
 2.944 
 
 2.854 
 
 
 52 
 
 3.134 
 
 3.082 
 
 3.033 
 
 2.984 
 
 2.892 
 
 2.805 
 
 
 57 
 
 3.046 
 
 2.998 
 
 2.950 
 
 2.904 
 
 2.815 
 
 2.732 
 
 
 62 
 
 2.917 
 
 2.871 
 
 2.827 
 
 2.784 
 
 2.701 
 
 2.623 
 
 
 67 
 
 2.734 
 
 2.693 
 
 2.653 
 
 2.614 
 
 2.539 
 
 2.468 
 
 
 72 
 
 2.492 
 
 2.456 
 
 2.421 
 
 2.388 
 
 2.323 
 
 2.261 
 
 
 77 
 
 2.187 
 
 2.158 
 
 2.130 
 
 2.103 
 
 2.050 
 
 1.999 
 
 
 82 
 
 1.826 
 
 1.804 
 
 1.783 
 
 1.762 
 
 1.722 
 
 1.684 
 
 S3 
 
 13 
 
 3.055 
 
 3.007 
 
 2.959 
 
 2.913 
 
 2.825 
 
 2.742 
 
 
 18 
 
 3.052 
 
 3.003 
 
 2.956 
 
 2.910 
 
 2.822 
 
 2.739 
 
 
 23 
 
 3.047 
 
 2.998 
 
 2.951 
 
 2.906 
 
 2.818 
 
 2.734 
 
 
 28 
 
 3.040 
 
 2.992 
 
 2.945 
 
 2899 
 
 2.812 
 
 2.729 
 
 
 33 
 
 3.032 
 
 2.983 
 
 2.937 
 
 2.891 
 
 2.804 
 
 2.721 
 
 
 38 
 
 3.020 
 
 2.972 
 
 2.926 
 
 2.881 
 
 2.794 
 
 2.712 
 
 
 43 
 
 3.001 
 
 2.954 
 
 2.908 
 
 2.863 
 
 2.777 
 
 2.696 
 
 
 48 
 
 2.964 
 
 2.918 
 
 2.873 
 
 2.829 
 
 2.745 
 
 2.665 
 
 
 53 
 
 2.908 
 
 2.863 
 
 2.820 
 
 2 777 
 
 2.695 
 
 2.618 
 
 
 58 
 
 2.826 
 
 2.783 
 
 2.741 
 
 2-700 
 
 2.622 
 
 2.548 
 
 
 63 
 
 2.703 
 
 2.663 
 
 2.624 
 
 2.586 
 
 2.513 
 
 2.444 
 
 
 68 
 
 2.530 
 
 2.494 
 
 2 459 
 
 2.425 
 
 2.359 
 
 2.296 
 
 
 73 
 
 2.302 
 
 2.271 
 
 2.241 
 
 2.211 
 
 2.154 
 
 2.099 
 
 
 78 
 
 2.015 
 
 1.990 
 
 1.9G5 
 
 1.941 
 
 1.894 
 
 1.850 
 
 
 83 
 
 1.673 
 
 1.654 
 
 1.636 
 
 1.618 
 
 1.582 
 
 1.549 
 
 8^ 
 
 14 
 
 2.826 
 
 2.784 
 
 2.742 
 
 2.702 
 
 2.624 
 
 2.551 
 
 
 19 
 
 2.823 
 
 2.781 
 
 2 739 
 
 2.699 
 
 2.621 
 
 2.548 
 
 
 24 
 
 2.819 
 
 2.776 
 
 2735 
 
 2.695 
 
 2.617 
 
 2.544 
 
 
 29 
 
 2.813 
 
 2.770 
 
 2.729 
 
 2.689 
 
 2.612 
 
 2.539 
 
 
 34 
 
 2.805 
 
 2.762 
 
 2.721 
 
 2.682 
 
 2.605 
 
 2.532 
 
 
 39 
 
 2.794 
 
 2.752 
 
 2.711 
 
 2.672 
 
 2.595 
 
 2.523 
 
 
 44 
 
 2.775 
 
 2.734 
 
 2.693 
 
 2.654 
 
 2.579 
 
 2.507 
 
TABZiS ZZZZ. 
 
 LIFE ANNUITIES— JOINT LIVES. 
 
 Shewino- the Values of Annuities on Two Joint Lives according to 
 the combined experience of various Life Offices. 
 
 Age. 
 
 2| _ 
 
 3 
 
 3.i 
 
 4 
 
 1 
 5 i 
 
 .. 1 
 
 1,. Per Cent.JPer Cent.ll'er Uent.lJfer i^eni.rer uem. rer ueni.| 
 
 Older. 1 
 
 founger. 
 
 
 
 
 i 
 
 1 
 
 
 84 
 
 49 i 
 
 2.740 
 
 2.700 
 
 2.660 
 
 2.622 
 
 2.548 
 
 2.477 
 
 
 54 
 
 2.688 
 
 2.648 
 
 2.610 
 
 2.573 
 
 2.501 
 
 2.4.33 
 
 
 59 
 
 2.610 
 
 2.573 
 
 2.536 
 
 2.500 
 
 2.432 
 
 2.366 
 
 
 64 
 
 2.494 
 
 2.459 
 
 2.425 
 
 2.392 
 
 2.328 
 
 2.267 
 
 
 69 
 
 2.333 
 
 2.301 
 
 2.270 
 
 2.240 
 
 2.182 
 
 2.127 
 
 
 74 
 
 2.119 
 
 2.092 
 
 2065 
 
 2.039 
 
 1.989 
 
 1.941 
 
 
 79 
 
 1.850 
 
 1.828 
 
 1.806 
 
 1.785 
 
 1.744 
 
 1.705 
 
 
 84 
 
 1.525 
 
 1.509 
 
 1.493 
 
 1.477 
 
 1.447 
 
 1.417 
 
 85 
 
 15 
 
 2.G00 
 
 2.563 
 
 2.527 
 
 2.492 
 
 2.424 
 
 2..360 
 
 
 20 
 
 2.597 
 
 2.5G0 
 
 2.524 
 
 2.489 
 
 2.421 
 
 2.357 
 
 
 25 
 
 2.593 
 
 2.556 
 
 2.520 
 
 2.485 
 
 2.418 
 
 2.354 
 
 
 30 
 
 2.587 
 
 2.551 
 
 2.515 
 
 2.480 
 
 2.413 
 
 2 340 
 
 
 35 
 
 2.580 
 
 2.544 
 
 2.508 
 
 2.473 
 
 2.406 
 
 2.343 
 
 
 40 
 
 2.570 
 
 2.534 
 
 2.499 
 
 2.464 
 
 2.398 
 
 2.334 
 
 45 ! 
 
 2.552 
 
 2.516 
 
 2.481 
 
 2.447 
 
 2.381 
 
 2.318 
 
 
 50 
 
 2.519 
 
 2.484 
 
 2.4.50 
 
 2.416 
 
 2.352 
 
 2.290 
 
 
 55 
 
 2.470 
 
 2.436 
 
 2.403 
 
 2..370 
 
 2.308 
 
 2.248 
 
 
 60 
 
 2.398 
 
 2.365 
 
 2.333 
 
 2.302 
 
 2.242 
 
 2.185 
 
 
 65 
 
 2.290 
 
 2.259 
 
 2.229 
 
 2.201 
 
 2.145 
 
 2091 
 
 
 70 
 
 2.139 
 
 2.112 
 
 2.085 
 
 2.059 
 
 2.008 
 
 1.960 
 
 
 1 
 
 75 
 
 1.940 
 
 1.917 
 
 1.894 
 
 1.871 
 
 1.828 
 
 1.786 
 
 
 80 
 
 1.689 
 
 1.670 
 
 1.652 
 
 1.633 
 
 1.598 
 
 1.564 
 
 
 85 
 
 1.381 
 
 1.367 
 
 1.353 
 
 1.339 
 
 1.313 
 
 1.288 
 
 86 
 
 16 
 
 2.376 
 
 2.344 
 
 2.313 
 
 2.283 
 
 2.225 
 
 2.169 
 
 
 21 
 
 2.373 
 
 2.342 
 
 2.311 
 
 2.280 
 
 2.222 
 
 2.166 
 
 
 26 
 
 2.370 
 
 2.338 
 
 2.307 
 
 2.277 
 
 2.219 
 
 2.163 
 
 
 31 
 
 2.365 
 
 2.333 
 
 2.302 
 
 2.272 
 
 2.214 
 
 2.159 
 
 
 36 
 
 2.358 
 
 2.327 
 
 2.296 
 
 2.266 
 
 2.208 
 
 2.153 
 
 
 41 
 
 2.349 
 
 2318 
 
 2.287 
 
 2.258 
 
 2.200 
 
 2.145 
 
 
 46 
 
 2.331 
 
 2.300 
 
 2.270 
 
 2.241 
 
 2.184 
 
 2.129 
 
 
 51 
 
 2.301 
 
 2.271 
 
 2.241 
 
 2.212 
 
 2.157 
 
 2.103 
 
 
 56 
 
 2.256 
 
 2.227 
 
 2.198 
 
 2.170 
 
 2.116 
 
 2.064 
 
 
 61 
 
 2.188 
 
 2.160 
 
 2.133 
 
 2.106 
 
 2 055 
 
 2.005 
 
 
 66 
 
 2 088 
 
 2.062 
 
 2.037 
 
 2.012 
 
 1.964 
 
 1.918 
 
 
 71 
 
 1.950 
 
 1.926 
 
 1.903 
 
 1.881 
 
 1.837 
 
 1.796 
 
 
 76 
 
 1.766 
 
 1.746 
 
 1.726 
 
 1.707 
 
 1.669 
 
 1.633 
 
 
 81 
 
 1.534 
 
 1.518 
 
 1.502 
 
 1.486 
 
 1.456 
 
 1.426 
 
 
 86 
 
 1 
 
 1.2.39 
 
 ' 1.228 
 
 1.216 
 
 1.205 
 
 1.182 
 
 ! 1.161 
 
 87 
 
 1 
 17 
 
 2.154 
 
 '; 2.127 
 
 2.101 
 
 2.075 
 
 2.025 
 
 1.977 
 
 
 22 
 
 2.152 
 
 j 2.125 
 
 2.099 
 
 2.073 
 
 2.023 
 
 1.975 
 
 
 27 
 
 2.149 
 
 2.122 
 
 2.095 
 
 2.070 
 
 2.020 
 
 1.972 
 
 
 32 
 
 2.144 
 
 2.117 
 
 2.091 
 
 2.065 
 
 2.016 
 
 1.968 
 
 
 37 
 
 2.139 
 
 2.112 
 
 2.086 
 
 1 2.060 
 
 2.011 
 
 1.963 
 
 
 42 
 
 2.130 
 
 2.104 
 
 2.078 
 
 j 2.052 
 
 2.003 
 
 1.956 
 
 
 47 
 
 2.113 
 
 2.r87 
 
 2.061 
 
 1 2.036 
 
 1.987 
 
 1.941 
 
 
 52 
 
 2.085 
 
 2.060 
 
 2.034 
 
 j 2.010 
 
 1.962 
 
 1.917 
 
 
 57 
 
 2.044 
 
 ] 2.019 
 
 1.995 
 
 1 1.971 
 
 1.925 
 
 1.881 
 
 
 62 
 
 1.982 
 
 1 1.958 
 
 1.935 
 
 i 1.912 
 
 1.868 
 
 1.826 
 
 
 67 
 
 1.S91 
 
 ' 1.868 
 
 ' 1.847 
 
 1.825 
 
 1.784 
 
 1.745 
 
TABX.S XIIZ, 
 
 LIFE ANNUITIES— JOINT LIVES. 
 
 Shewing the Values of Annuities on Two Joint Lives according to 
 the combined experience of various Life Offices. 
 
 Age. 
 
 2i 
 Per Cent. 
 
 3 
 
 Per Cent. 
 
 "2 
 
 Per Cent. 
 
 4 
 Per Cent. 
 
 5 
 Per Cent. 
 
 6 
 Per Cent. 
 
 Older. 
 
 Younger. 
 
 87 
 
 72 
 
 1.764 
 
 1.744 
 
 1.725 
 
 1.705 
 
 1.668 
 
 1.633 
 
 
 77 
 
 1.596 
 
 1.579 
 
 1.562 
 
 1.545 
 
 1.513 
 
 1.482 
 
 
 82 
 
 1.383 
 
 1.370 
 
 1.356 
 
 1.342 
 
 1.316 
 
 1.291 
 
 
 87 
 
 1.101 
 
 1.092 
 
 1.082 
 
 1.072 
 
 1.054 
 
 1.036 
 
 Q& 
 
 18 
 
 1.935 
 
 1.912 
 
 1.890 
 
 1.868 
 
 1.826 
 
 1.786 
 
 
 23 
 
 1.933 
 
 1.910 
 
 1.888 
 
 1.866 
 
 1.824 
 
 1.784 
 
 
 28 
 
 1.930 
 
 1.907 
 
 1.885 
 
 1.863 
 
 1.822 
 
 1.781 
 
 
 33 
 
 1.926 
 
 1.903 
 
 1.881 
 
 1.860 
 
 1.818 
 
 1.778 
 
 
 38 
 
 1.921 
 
 1.899 
 
 1.877 
 
 1.855 
 
 1.813 
 
 1.773 
 
 
 43 
 
 1.913 
 
 1.891 
 
 1.869 
 
 1.848 
 
 1.806 
 
 1.766 
 
 
 48 
 
 1.897 
 
 1,875 
 
 1.854 
 
 1.832 
 
 1.791 
 
 1.752 
 
 
 53 
 
 1.872 
 
 1.851 
 
 1.830 
 
 1.809 
 
 1.769 
 
 1.730 
 
 
 58 
 
 1.835 
 
 1.814 
 
 1.794 
 
 1.774 
 
 1.735 
 
 1.697 
 
 
 63 
 
 1.779 
 
 1.759 
 
 1.739 
 
 1.720 
 
 1.683 
 
 1.647 
 
 
 68 
 
 1.696 
 
 1.678 
 
 1.659 
 
 1.641 
 
 1.607 
 
 1.573 
 
 
 73 
 
 1.582 
 
 1.565 
 
 1.549 
 
 1.533 
 
 1.501 
 
 1.471 
 
 
 78 
 
 1.430 
 
 1.415 
 
 1.401 
 
 1.387 
 
 1.360 
 
 1.334 
 
 
 83 
 
 1.236 
 
 1.225 
 
 1.213 
 
 1.202 
 
 1.180 
 
 1.158 
 
 
 88 
 
 0.966 
 
 0.958 
 
 0.950 
 
 0.942 
 
 0.927 
 
 0.912 
 
 B9 
 
 19 
 
 1.719 
 
 1.700 
 
 1.682 
 
 1.664 
 
 1.629 
 
 1.595 
 
 
 24 
 
 1.717 
 
 1.698 
 
 1.680 
 
 1.662 
 
 1.627 
 
 1.593 
 
 
 29 
 
 1.714 
 
 1.696 
 
 1.677 
 
 1.659 
 
 1.625 
 
 1.591 
 
 
 34 
 
 1.711 
 
 1.692 
 
 1.674 
 
 1.656 
 
 1.621 
 
 1.588 
 
 
 39 
 
 1.707 
 
 1.688 
 
 1.670 
 
 1.652 
 
 1.617 
 
 1.584 
 
 
 44 
 
 1.699 
 
 1.681 
 
 1.663 
 
 1.645 
 
 1.611 
 
 1.577 
 
 
 49 
 
 1.685 
 
 1.667 
 
 1.649 
 
 1.631 
 
 1.597 
 
 1 .564 
 
 
 54 
 
 1.663 
 
 1.645 
 
 1.627 
 
 1.610 
 
 1.577 
 
 1.545 
 
 
 59 
 
 1.630 
 
 1.612 
 
 1.595 
 
 1.579 
 
 1.546 
 
 1.515 
 
 
 64 
 
 1.579 
 
 1.563 
 
 1.546 
 
 1.530 
 
 1.499 
 
 1.470 
 
 
 69 
 
 1.506 
 
 1.490 
 
 1.475 
 
 1.460 
 
 1.431 
 
 1.403 
 
 
 74 
 
 1.404 
 
 1.390 
 
 1.376 
 
 1.363 
 
 1.337 
 
 1.311 
 
 
 79 
 
 1.268 
 
 1.256 
 
 1.244 
 
 1.232 
 
 1.210 
 
 1.188 
 
 
 84 
 
 1.093 
 
 1.083 
 
 1.074 
 
 1.064 
 
 1.046 
 
 1.028 
 
 
 89 
 
 0.834 
 
 0.828 
 
 0.821 
 
 0.815 
 
 0.802 
 
 0.790 
 
 90 
 
 20 
 
 1.508 
 
 1.492 
 
 1.477 
 
 1.463 
 
 1.434 
 
 1.407 
 
 
 25 
 
 1.506 
 
 1.491 
 
 1.476 
 
 1.461 
 
 1.433 
 
 1.405 
 
 
 30 
 
 1.504 
 
 1.489 
 
 1.474 
 
 1.459 
 
 1.431 
 
 1.403 
 
 
 35 
 
 1.501 
 
 1.486 
 
 1.471 
 
 1.456 
 
 1.428 
 
 1.401 
 
 
 40 
 
 1.497 
 
 1.482 
 
 1.467 
 
 1.453 
 
 1.424 
 
 1.397 
 
 
 45 
 
 1.490 
 
 1.475 
 
 1.461 
 
 1.446 
 
 1.418 
 
 1.391 
 
 
 50 
 
 1.478 
 
 1.463 
 
 1.448 
 
 1.434 
 
 1.406 
 
 1.379 
 
 
 55 
 
 1.458 
 
 1.444 
 
 1.430 
 
 1.415 
 
 1.388 
 
 1.362 
 
 
 60 
 
 1.439 
 
 1.415 
 
 1.401 
 
 1.388 
 
 1.361 
 
 1.336 
 
 
 65 
 
 1.385 
 
 1.371 
 
 1.358 
 
 1.345 
 
 1.320 
 
 1.295 
 
 
 70 
 
 1.320 
 
 1.308 
 
 1.295 
 
 1.283 
 
 1.259 
 
 1.237 
 
 
 75 
 
 1.231 
 
 1.220 
 
 1.209 
 
 1.197 
 
 1.176 
 
 1.155 
 
 
 80 
 
 1.111 
 
 1.101 
 
 1.092 
 
 1.082 
 
 1.063 
 
 1.045 
 
 
 85 
 
 0.954 
 
 0.946 
 
 0.938 
 
 0.930 
 
 0.915 
 
 0.900 
 
 
 90 
 
 0-708 
 
 0.703 
 
 0.697 
 
 0.692 
 
 0.682 
 
 0.673 
 
TABZiXS XZV. 
 
 ABSOLUTE REVERSIONS— PRESENT VALUES. 
 
 Shewinrr the Present Value of£l, to be received at the end of the 
 year m %vhich an Assigned Life may fail, according to the Mortalitv 
 obtained from the combined experience of various Life Offices 
 
 Age. 
 10 
 
 4 
 •rCent 
 
 5 
 W Cent. 
 
 6 
 W Cent. 
 
 Age. 
 
 4 
 #• Cent. 
 
 5 
 W Cent. 
 
 
 #* Cent. 
 
 .21331 
 
 .16401 
 
 .13131 
 
 55 
 
 .53932 
 
 .47253 
 
 .41727 
 
 11 
 
 .21fi58 
 
 .16658 
 
 .13328 
 
 56 
 
 .55115 
 
 .48490 
 
 .42994 
 
 12 
 
 .219.2 
 
 .16930 
 
 ,13544 
 
 57 
 
 .56312 
 
 .49762 
 
 .44285 
 
 13 
 
 .22341 
 
 .17211 
 
 .13770 
 
 58 
 
 .57515 
 
 .51039 
 
 .45597 
 
 14 
 
 .22707 
 
 .17506 
 
 .14002 
 
 59 
 
 .58727 
 
 .52333 
 
 .46934 
 
 15 
 
 .23084 
 
 .17816 
 
 .14252 
 
 60 
 
 .59943 
 
 .53643 
 
 .48286 
 
 16 
 
 .23476 
 
 .18135 
 
 .14517 
 
 61 
 
 .61162 
 
 .54959 
 
 .49063 
 
 17 
 
 .23884 
 
 .18472 
 
 .14789 
 
 62 
 
 .62385 
 
 .56277 
 
 .51045 
 
 18 
 
 .24303 
 
 .18820 
 
 .15077 
 
 63 
 
 .63600 
 
 .57606 
 
 .52436 
 
 19 
 
 .24742 
 
 .19187 
 
 .15377 
 
 64 
 
 .64811 
 
 .58929 
 
 .53834 
 
 20 
 
 .25188 
 
 .19568 
 
 .15695 
 
 65 
 
 .66019 
 
 .60254 
 
 .55238 
 
 21 
 
 .25657 
 
 .19963 
 
 .16022 
 
 66 
 
 .67211 
 
 .61572 
 
 .56641 
 
 22 
 
 .26138 
 
 .20373 
 
 .16368 
 
 67 
 
 .68396 
 
 .62882 
 
 .58039 
 
 23 
 
 .26634 
 
 .20801 
 
 .16724 
 
 68 
 
 .69566 
 
 .64186 
 
 .59432 
 
 24 
 
 .27149 
 
 .21244 
 
 .17104 
 
 69 
 
 .70720 
 
 .65472 
 
 .60820 
 
 25 
 
 .27680 
 
 .21707 
 
 .17494 
 
 70 
 
 .71858 
 
 .66749 
 
 .62201 
 
 26 
 
 .28229 
 
 .22187 
 
 .17907 
 
 71 
 
 .72977 
 
 .68011 
 
 .63565 
 
 27 
 
 .28798 
 
 .22687 
 
 .18338 
 
 72 
 
 .74077 
 
 .69254 
 
 .64918 
 
 28 
 
 .29384 
 
 .23206 
 
 .18791 
 
 73 
 
 .75159 
 
 .70477 
 
 .66253 
 
 29 
 
 .29991 
 
 .23743 
 
 .19260 
 
 74 
 
 .76216 
 
 .71682 
 
 .67573 
 
 30 
 
 .30614 
 
 .24306 
 
 .19752 
 
 75 
 
 .77251 
 
 .72862 
 
 .68874 
 
 31 
 
 .31261 
 
 .24886 
 
 .20262 
 
 76 
 
 .78265 
 
 .74024 
 
 .70153 
 
 32 
 
 .31931 
 
 .25491 
 
 .20801 
 
 77 
 
 .79254 
 
 .75162 
 
 .71415 
 
 33 
 
 .32615 
 
 .26118 
 
 .21361 
 
 78 
 
 .80219 
 
 .76276 
 
 .72649 
 
 34 
 
 .33327 
 
 .26772 
 
 .21950 
 
 79 
 
 .81157 
 
 .77362 
 
 .73860 
 
 35 
 
 .34061 
 
 .27452 
 
 .22560 
 
 80 
 
 .82072 
 
 .78423 
 
 .75044 
 
 36 
 
 .34816 
 
 .28150 
 
 .23200 
 
 81 
 
 .82965 
 
 .79462 
 
 .76204 
 
 37 
 
 .35600 
 
 .28891 
 
 .23868 
 
 82 
 
 .83835 
 
 .804>^] 
 
 .77347 
 
 38 
 
 .36408 
 
 .29653 
 
 .24570 
 
 83 
 
 .84693 
 
 .81482 
 
 .78474 
 
 39 
 
 .37242 
 
 .30447 
 
 .25306 
 
 84 
 
 .85535 
 
 .82471 
 
 .79595 
 
 40 
 
 .38104 
 
 .31271 
 
 .26075 
 
 85 
 
 .86369 
 
 .83458 
 
 .80710 
 
 41 
 
 .38996 
 
 .32134 
 
 .26879 
 
 86 
 
 .87200 
 
 .84438 
 
 .81830 
 
 42 
 
 .39918 
 
 .33028 
 
 .27728 
 
 87 
 
 .88022 
 
 .85414 
 
 .82945 
 
 43 
 
 .40869 
 
 .33962 
 
 .28611 
 
 88 
 
 .88843 
 
 .86391 
 
 .84055 
 
 44 
 
 .41849 
 
 .34923 
 
 .29540 
 
 89 
 
 .89650 
 
 .87357 
 
 .85164 
 
 45 
 
 .42857 
 
 .35925 
 
 .30497 
 
 90 
 
 .90444 
 
 .88306 
 
 .86257 
 
 46 
 
 .43884 
 
 .36948 
 
 .31487 
 
 91 
 
 .91216 
 
 .89233 
 
 .87332 
 
 47 
 
 .44934 
 
 .38000 
 
 .32512 
 
 92 
 
 .91962 
 
 .90134 
 
 .88374 
 
 48 
 
 .46004 
 
 .39077 
 
 .33565 
 
 93 
 
 .92070 
 
 .90992 
 
 .89366 
 
 49 
 
 .47088 
 
 .40176 
 
 .34646 
 
 94 
 
 .93320 
 
 .91782 
 
 .90287 
 
 50 
 
 .48192 
 
 .41306 
 
 .35762 
 
 95 
 
 .93908 
 
 .92496 
 
 .91120 
 
 51 
 
 .49311 
 
 .42452 
 
 .36899 
 
 96 
 
 .94378 
 
 .93068 
 
 .91792 
 
 52 
 
 .50446 
 
 .43620 
 
 .38065 
 
 97 
 
 .94743 
 
 .93510 
 
 .92309 
 
 53 
 
 .51597 
 
 .44810 
 
 .39258 
 
 98 
 
 .95231 
 
 .94106 
 
 .93004 
 
 54 
 
 .52759 
 
 .46020 
 
 .40481 
 
 
 
 
 
TABX.S XV. 
 
 LIFE ASSURANCES— SINGLE LIVES. 
 
 Shewing the Single and Annual Premium for the Assurance of £1 on 
 a Single Life, according to the Mortality obtained from the combined 
 exjierlence of various Life Offices, reckoning Interest at 3 per cent. 
 
 
 Single 
 
 Annual 
 
 
 Single 
 
 Annual 
 
 Age. 
 
 Premium. 
 
 Premium. 
 
 Age. 
 
 Premium. 
 
 Premium. 
 
 ]0 
 
 .29061 
 
 .01193 
 
 55 
 
 .62075 
 
 .04767 
 
 11 
 
 .29456 
 
 .01216 
 
 56 
 
 .63139 
 
 .04988 
 
 12 
 
 .29863 
 
 .01240 
 
 67 
 
 .64205 
 
 .05224 
 
 13 
 
 .30284 
 
 .01265 
 
 58 
 
 .65274 
 
 .05474 
 
 14 
 
 .30718 
 
 .01291 
 
 59 
 
 .66344 
 
 .05741 
 
 15 
 
 .31165 
 
 .01318 
 
 60 
 
 .67414 
 
 .06025 
 
 16 
 
 .316-25 
 
 .01347 
 
 61 
 
 .68480 
 
 .06328 
 
 17 
 
 .32099 
 
 .01376 
 
 62 
 
 .69541 
 
 .06649 
 
 18 
 
 .32585 
 
 .01408 
 
 63 
 
 .70595 
 
 .06992 
 
 19 
 
 .33086 
 
 .01440 
 
 64 
 
 .71640 
 
 .07357 
 
 20 
 
 .33600 
 
 .01473 
 
 65 
 
 .72673 
 
 .07745 
 
 21 
 
 .34128 
 
 .01508 
 
 66 
 
 .73694 
 
 .08159 
 
 22 
 
 .34669 
 
 .01545 
 
 67 
 
 .74700 
 
 .08599 
 
 23 
 
 .35226 
 
 .01583 
 
 68 
 
 .75689 
 
 .09068 
 
 24 
 
 .35797 
 
 .01624 
 
 69 
 
 .76662 
 
 .09567 
 
 25 
 
 .36383 
 
 .01665 
 
 70 
 
 .77617 
 
 .10100 
 
 26 
 
 .36985 
 
 .01709 
 
 71 
 
 .78553 
 
 .10668 
 
 27 
 
 .37603 
 
 .01755 
 
 72 
 
 .79469 
 
 .11274 
 
 28 
 
 .38236 
 
 .01803 
 
 73 
 
 .80364 
 
 .11921 
 
 29 
 
 .38886 
 
 .01853 
 
 74 
 
 .81239 
 
 .12612 
 
 30 
 
 .39552 
 
 .01905 
 
 75 
 
 .82092 
 
 .1.3352 
 
 31 
 
 .40235 
 
 .01960 
 
 76 
 
 .82923 
 
 .14143 
 
 32 
 
 .40936 
 
 .02018 
 
 77 
 
 .83732 
 
 .14991 
 
 33 
 
 .41654 
 
 .02079 
 
 78 
 
 .84518 
 
 .15900 
 
 34 
 
 .42389 
 
 .02143 
 
 79 
 
 .85281 
 
 .16875 
 
 35 
 
 .43144 
 
 .02210 
 
 80 
 
 .86021 
 
 .17924 
 
 36 
 
 .43917 
 
 .02280 
 
 1 81 
 
 .86740 
 
 .19053 
 
 37 
 
 .44710 
 
 .02355 
 
 82 
 
 .87440 
 
 .20278 
 
 38 
 
 .45524 
 
 .02434 
 
 83 
 
 .88126 
 
 .21616 
 
 39 
 
 .46358 
 
 .02517 
 
 ! 84 
 
 .88799 
 
 .23091 
 
 40 
 
 .47214 
 
 .02605 
 
 85 
 
 .89465 
 
 .24734 
 
 41 
 
 .48093 
 
 .02698 
 
 86 
 
 .90123 
 
 .26577 
 
 42 
 
 .48995 
 
 .02797 
 
 87 
 
 .90774 
 
 .28658 
 
 43 
 
 .49919 
 
 .02903 
 
 88 
 
 .91419 
 
 .31029 
 
 44 
 
 .50863 
 
 .03014 
 
 89 
 
 .92053 
 
 .33740 
 
 45 
 
 .51826 
 
 .03133 
 
 90 
 
 .92673 
 
 .36837 
 
 46 
 
 .52804 
 
 .03258 
 
 91 
 
 .93276 
 
 .40404 
 
 47 
 
 .53795 
 
 .03391 
 
 92 
 
 .93857 
 
 .44498 
 
 48 
 
 .54798 
 
 .03530 
 
 93 
 
 .94405 
 
 .49143 
 
 49 
 
 .55812 
 
 .03678 
 
 94 
 
 .94910 
 
 .54302 
 
 50 
 
 .56836 
 
 .03835 
 
 95 
 
 .95362 
 
 .59885 
 
 51 
 
 .57870 
 
 .04000 
 
 96 
 
 .95726 
 
 .65219 
 
 52 
 
 .58912 
 
 .04176 
 
 97 
 
 .96005 
 
 .70014 
 
 53 
 
 .59960 
 
 .04361 
 
 98 
 
 .96382 
 
 .77558 
 
 54 
 
 .61015 
 
 .04558 
 
 
 
 
TABZ.S XVZ. 
 
 LIFE ASSURANCES— JOINT LIVES. 
 
 Shewing the Single and Annual Premium required to secure a Sum 
 paj^able at the decease of the first of Two Assigned Lives, accordino- 
 to the combined experience of various Life Offices, reckoning interest 
 at 3 per Cent. 
 
 Age. 
 
 
 Annual Annual 
 
 Single 
 
 
 Age. 
 
 Annual 
 
 Annual Single 
 
 
 
 I 
 
 1 
 
 2 
 
 'remium Prem. 
 3er Cent, per £1. 
 
 Prem. 
 per £1 
 
 
 
 . Premiun 
 per Cent 
 
 1 Prem. Prem. 
 
 Older. 
 
 Younger 
 
 Older. 
 
 27 
 
 Younger 
 
 , per £1 
 
 per £1 
 
 14 
 
 14 
 
 11 
 
 i .02044 
 
 .41238 
 
 12 
 
 2 7 
 
 7 
 
 .0237C 
 
 1 .44958 
 
 
 
 
 
 
 
 
 17 
 
 2 9 
 
 
 
 .0244^ 
 
 .45665 
 
 15 
 
 10 
 
 2 
 
 
 
 .02000 
 
 .40719 
 
 
 22 
 
 2 10 
 
 11 
 
 02546 
 
 .46641 
 
 
 15 
 
 2 
 
 1 7 
 
 .02080 
 
 141673 
 
 
 27 
 
 2 13 
 
 8 
 
 02685 
 
 .47966 
 
 16 
 
 11 
 
 1 
 
 8 
 
 .02035 
 
 .41137 
 
 2S 
 
 13 
 
 2 8 
 
 8 
 
 .024.32 
 
 .45503 
 
 
 16 
 
 o 
 
 2 5 
 
 .02119 
 
 .42121 
 
 
 18 
 23 
 
 2 10 
 2 12 
 
 1 
 1 
 
 02504 
 .02606 
 
 .46227 
 .47227 
 
 17 
 
 12 
 17 
 
 2 
 2 
 
 1 5 
 3 2 
 
 .02072 
 .02160 
 
 41567 
 .42585 
 
 
 28 
 
 2 15 
 
 1 
 
 .02753 
 
 .48587 
 
 
 
 
 
 
 
 29 
 
 14 
 
 2 9 
 
 9 
 
 .02487 
 
 .46062 
 
 18 
 
 13 
 
 2 
 
 2 2 
 
 .02110 
 
 .42014 
 
 
 19 
 
 2 11 
 
 3 
 
 .02563 
 
 .46804 
 
 
 18 
 
 2 
 
 4 
 
 .02202 
 
 43059 
 
 
 24 
 29 
 
 2 13 
 2 16 
 
 5 
 6 
 
 .02070 
 .02823 
 
 .47827 
 .49222 
 
 19 
 
 14 
 
 2 
 
 3 
 
 .02150 
 
 .42474 
 
 1 
 
 
 
 
 
 
 
 19 
 
 2 
 
 4 11 
 
 .02247 
 
 .43548 
 
 1 30 
 
 10 
 15 
 
 2 9 
 
 2 10 
 
 10 
 11 
 
 .02493 
 .02545 
 
 .46117 
 .46638 
 
 20 
 
 10 
 
 2 
 
 2 5 
 
 .02121 
 
 .42139 
 
 
 20 
 
 2 12 
 
 6 
 
 .02624 
 
 .47398 
 
 
 15 
 
 2 
 
 3 10 
 
 .02192 
 
 .42946 
 
 
 25 
 
 2 14 
 
 9 
 
 .02737 
 
 .48444 
 
 
 2J 
 
 2 
 
 5 10 
 
 .02293 
 
 .44053 
 
 1 
 
 1 
 
 30 
 
 2 18 
 
 
 
 .02898 
 
 .49872 
 
 21 
 
 11 
 
 2 
 
 3 3 
 
 .02161 
 
 .42600 
 
 31 
 
 11 
 
 2 11 
 
 
 
 .02551 
 
 .46693 
 
 
 16 
 
 2 
 
 4 9 
 
 .02236 
 
 .43432 
 
 
 16 
 
 2 12 
 
 2 
 
 .02607 
 
 .47230 
 
 
 21 
 
 2 
 
 6 10 
 
 .02342 
 
 44568 
 
 
 21 
 26 
 
 2 13 
 2 16 
 
 9 
 2 
 
 .02689 
 .02807 
 
 .48007 
 .49076 
 
 ZZ 
 
 12 
 17 
 
 2 
 2 
 
 4 1 
 
 5 8 
 
 .02204 
 .02282 
 
 .43074 
 .43930 
 
 
 31 
 
 2 19 
 
 6 
 
 .02976 
 
 .50539 
 
 
 22 
 
 2 
 
 7 10 
 
 .02392 
 
 45097 
 
 32 
 
 12 
 17 
 
 2 12 
 2 13 
 
 3 
 5 
 
 .02613 
 .02671 
 
 .47288 
 .47840 
 
 23 
 
 13 
 
 2 
 
 5 
 
 .02248 
 
 .43563 
 
 
 22 
 
 2 15 
 
 2 
 
 .02758 
 
 .48631 
 
 
 18 
 
 2 
 
 6 7 
 
 .02329 
 
 .44442 
 
 
 27 
 
 2 17 
 
 7 
 
 .02880 
 
 .49723 
 
 
 23 
 
 2 
 
 8 11 
 
 .02445 
 
 •45642 
 
 
 32 
 
 3 1 
 
 2 
 
 .03058 
 
 .51220 
 
 24 
 
 14 
 
 2 
 
 5 1, 
 
 .02294 
 
 44067 
 
 33 
 
 13 
 
 2 13 
 
 7 
 
 .02678 
 
 47900 
 
 
 19 
 
 2 
 
 7 7 
 
 .02380 
 
 .44972 
 
 
 18 
 
 2 14 
 
 9 
 
 .02739 
 
 .48462 
 
 
 24 
 
 2 
 
 10 
 
 .02501 
 
 46201 
 
 
 23 
 
 28 
 
 2 16 
 2 19 
 
 7 
 2 
 
 .02829 
 .02958 
 
 .49272 
 .50.387 
 
 25 
 
 10 
 15 
 
 2 
 2 
 
 5 7 
 
 6 10 
 
 .02281 
 .02343 
 
 •43918 
 .44586 
 
 
 33 
 
 3 2 
 
 11 
 
 03145 
 
 .51919 
 
 
 20 
 
 2 
 
 8 8 
 
 .02433 
 
 .45515 
 
 34 
 
 14 
 
 2 14 
 
 11 
 
 02746 
 
 .48529 
 
 
 25 
 
 2 
 
 11 2 
 
 .02559 
 
 .46775 
 
 
 19 
 24 
 
 2 16 
 2 18 
 
 2' 
 1 
 
 02810 
 02904! 
 
 .49102 
 49927 
 
 2.C 
 
 11 
 
 2 
 
 6 7 
 
 .02329 
 
 .44431 
 
 
 29 
 
 3 
 
 9 
 
 03039 
 
 .51068 
 
 
 16 
 
 2 
 
 7 11 
 
 .02395 
 
 .45118 
 
 
 34 
 
 3 4 
 
 9 
 
 03237 
 
 52635 
 
 
 21 
 
 2 
 
 9 9 
 
 02488 
 
 .46071 
 
 
 
 
 
 
 
 
 26 
 
 2 
 
 12 5 
 
 .02621 
 
 .47363 
 
 35 
 
 10 ' 
 
 2 15 
 
 5 
 
 1 
 1 
 
 02771 
 
 48759 
 
LIFE ANNUITIES— JOINT LIVES. 
 
 Shewing the Single and Annual Premium required to secure a Sum 
 payable at the decease of the first of two Assigned Lives, according 
 to the combined experience of various Life Offices, reckoning Interest 
 at 3 per Cent. 
 
 Ag( 
 
 
 Annual ^ 
 
 Annual 
 
 Single 
 
 Age. 
 
 Annua 
 
 Annual Single 1 
 
 
 I 
 
 founger. ' 
 
 'remium 
 
 er Cent. 
 
 1 
 1 
 
 Prem. Prem. 
 per £1. per £1. 
 
 ] 
 
 Premium Prem. Prem. 
 jer Cent, per £1. per £1. 
 
 Oider. "5 
 
 Older. "' 
 
 f ounger* ^ 
 
 35 
 
 15 5 
 
 2 16 4 . 
 
 02818 
 
 49175 
 
 ^1 
 
 36 
 
 3 15 
 
 2 . 
 
 1 
 03759 .56344 
 
 
 20 ' 
 
 2 17 8 . 
 
 02885 
 
 49761 
 
 
 41 
 
 4 1 
 
 l'. 
 
 04054 .58192 
 
 
 25 
 
 2 19 8 .02983 
 
 50599 
 
 
 
 
 1 
 
 1 
 
 
 30 
 
 3 2 6.03126 
 
 51768 
 
 42 
 
 12 
 
 3 6 10 .03343 .534401 
 
 
 35 
 
 3 6 8. 
 
 03333 
 
 53369 
 
 
 17 
 22 
 
 3 7 
 3 9 
 
 9 .03387 .53762 
 .03452 .54234 
 
 36 
 
 11 
 
 2 16 11 
 
 02845 
 
 .49414 
 
 
 27 
 
 3 10 
 
 11 .03544 .54887 
 
 
 16 
 
 2 17 11 ! 
 
 02894 
 
 .49840 
 
 
 32 
 
 3 13 
 
 8 .03682 .55830 
 
 
 21 
 
 2 19 3! 
 
 02964 
 
 .50437 
 
 
 37 
 
 3 17 
 
 9 .03889 .57177 
 
 
 26 
 
 3 14! 
 
 .03067 
 
 .51290 
 
 
 42 
 
 4 4 
 
 1 .04204 .59075 
 
 
 31 
 
 3 4 4' 
 
 .03217 
 
 .52480 
 
 
 
 
 1 1 
 
 
 36 
 
 3 8 9 
 
 .03436 
 
 .54120 
 
 43 
 
 13 
 
 3 9 
 
 .03452 .54235 
 
 37 
 
 
 
 
 
 
 18 
 
 3 10 
 
 .03498 .54564 
 
 12 
 
 2 18 6 
 
 .02923 
 
 .50088 
 
 
 23 
 
 3 11 
 
 4 .03565 .55039 
 
 
 17 
 
 2 19 6 
 
 .02974 
 
 .50521 
 
 
 28 
 
 3 13 
 
 3 
 
 .03662 .55700 
 
 
 22 
 
 3 10 
 
 .03048 
 
 .51130 
 
 
 33 
 
 3 16 
 
 2 
 
 .03808.56658 
 
 
 27 
 
 3 3 1 
 
 .03155 
 
 .51997 
 
 
 38 
 
 4 
 
 7 
 
 .04028.58033 
 
 
 32 
 
 3 6 3 
 
 .03313 
 
 .53214 
 
 
 43 
 
 4 7 
 
 4 
 
 .04366.59981 
 
 
 37 
 
 3 10 11 
 
 .03545 
 
 .54893 
 
 
 
 
 
 
 
 
 
 
 
 
 44 
 
 14 
 
 3 11 
 
 4 
 
 .03567 
 
 .55050 
 
 38 
 
 13 
 
 3 1 
 
 .03005 
 
 .50780 
 
 
 19 
 
 3 12 
 
 4 
 
 .03616 
 
 .55385 
 
 
 18 
 
 3 12 
 
 .03059 
 
 .51224 
 
 
 24 
 
 3 13 
 
 9 
 
 .03686 
 
 .55862 
 
 
 23 
 
 3 2 8 
 
 .03135 
 
 .51840 
 
 
 29 
 
 3 15 
 
 9 
 
 .03788 
 
 .56533 
 
 
 28 
 
 3 5 
 
 .03248 
 
 .52724 
 
 
 34 
 
 3 18 
 
 10 
 
 .03941 
 
 .57506 
 
 
 33 
 
 3 8 4 
 
 .03415 
 
 .53966 
 
 
 39 
 
 4 3 
 
 6 
 
 .04176 
 
 .58910 
 
 
 38 
 
 3 13 2 
 
 .03660 
 
 .55685 
 
 
 44 
 
 4 10 
 
 9 
 
 .04537 
 
 .60904 
 
 39 
 
 14 
 
 3 1 10 
 
 .03092 
 
 .51493 
 
 45 
 
 10 
 
 3 13 
 
 1 
 
 .03655 
 
 .55654 
 
 
 19 
 
 3 3 
 
 .03149 
 
 .51945 
 
 
 15 
 
 3 13 
 
 10 
 
 .03690 
 
 .55887 
 
 
 24 
 
 3 4 7 
 
 .03228 
 
 .52571 
 
 
 20 
 
 3 14 
 
 10 
 
 .03741 
 
 .56224 
 
 
 29 
 
 3 7 
 
 .03348 
 
 .53471 
 
 
 25 
 
 3 16 
 
 4 
 
 .03815 
 
 .56704 
 
 
 34 
 
 3 10 5 
 
 .03522 
 
 .54739 
 
 
 30 
 
 3 18 
 
 5 
 
 .03921 
 
 .57381 
 
 
 39 
 
 3 15 8 
 
 .03783 
 
 .56499 
 
 
 35 
 
 4 1 
 
 8 
 
 .04084 
 
 .58371 
 
 
 
 
 
 
 
 40 
 
 4 6 
 
 8 
 
 .04333 .59803 
 
 40 
 
 10 
 15 
 
 3 2 11 
 3 3 8 
 
 .03145 
 .03184 
 
 .51916 
 .52227 
 
 j 
 
 45 
 
 4 14 
 
 5 
 
 .04721 .61845 
 
 
 20 
 
 3 4 10 
 
 .03243 
 
 .52688 
 
 46 
 
 11 
 
 3 15 
 
 8 
 
 .03783 .56501 
 
 
 25 
 
 3 6 6 
 
 .03327 
 
 .53323 
 
 
 16 
 
 3 16 
 
 5 
 
 .03820 .56736 
 
 
 30 
 
 3 9 
 
 .03452 
 
 .54238 
 
 
 21 
 
 3 17 
 
 6 
 
 .03873 .57079 
 
 
 35 
 
 3 12 9 
 
 .03(137 
 
 .55531 
 
 
 26 
 
 3 19 
 
 
 
 .03950 .57561 
 
 
 40 
 
 3 18 3 
 
 .03914 
 
 .57335 
 
 
 31 
 
 4 1 
 
 3 
 
 .04063 .58246 
 
 
 
 
 
 
 j 
 
 36 
 
 4 4 
 
 8 
 
 .04235 
 
 .59250 
 
 %l 
 
 11 
 
 3 4 10 
 
 .03241 
 
 .52667 
 
 
 41 
 
 4 10 
 
 
 
 .04501 
 
 i. 607 15 
 
 
 16 
 
 3 5 8 
 
 .03283 
 
 .52985 
 
 
 46 
 
 4 18 
 
 4 
 
 .04917 
 
 1.62798 
 
 
 21 
 
 3 6 11 
 
 .0334/: 
 
 .53451 
 
 
 
 
 
 
 
 
 26 
 
 3 8 8 
 
 .03432 
 
 . .54095 
 
 47 
 
 12 
 
 3 18 
 
 5 
 
 .03919 
 
 .57363 
 
 
 31 
 
 3 11 3 
 
 .03562 
 
 i .55024 
 
 1 
 
 17 
 
 3 19 
 
 2 
 
 .03957 
 
 .57602 
 
TABX.E XVI. 
 
 LIFE ASSURANCES— JOINT LIVES. 
 
 Shewing the Single and Annual Premium required to secure a Sum 
 payable at the decease of the first of two Assigned Live?, according 
 to the combined experience of various Life Offices, reckoning Interest 
 at 3 per Cent. 
 
 A 
 
 ;e. 
 
 An mi 
 
 al 
 
 Annual Sinsjle 
 
 Age 
 
 A 
 
 nnui 
 
 ii 
 
 Annual 
 
 Single 
 
 
 
 Premium 
 per Cent. 
 
 Prem. ' Prem. 
 per £l.'per £1. 
 
 
 Premium 
 per Cent. 
 
 Prem. 
 per £1. 
 
 Prem. 
 per £1. 
 
 Older. 
 
 Younger- 
 
 Older. 
 
 Younger. 
 
 4:7 
 
 22 
 
 4 
 
 
 
 3 
 
 1 
 .04013 .57943 
 
 52 
 
 22 
 
 4 
 
 15 
 
 5 
 
 .04772 
 
 .62008 
 
 
 27 
 
 4 
 
 1 
 
 11 
 
 .04094 .58429 
 
 
 27 
 
 4 
 
 16 
 
 10 
 
 .04842 
 
 .62442 
 
 
 32 
 
 4 
 
 4 
 
 3 
 
 .04212 .59122 
 
 
 32 
 
 4 
 
 18 
 
 11 
 
 .04946 
 
 .02938 
 
 
 37 
 
 4 
 
 7 
 
 11 
 
 .04395 .60140 
 
 
 37 
 
 5 
 
 2 
 
 1 
 
 .05105 
 
 .03071 
 
 
 42 
 
 4 
 
 13 
 
 7 
 
 .04680 .61641 
 
 
 42 
 
 5 
 
 7 
 
 2 
 
 .05359 
 
 .64787 
 
 
 47 
 
 5 
 
 2 
 
 6 
 
 .05124 .63755 
 
 
 47 
 52 
 
 5 
 
 6 
 
 15 
 
 7 
 
 4 
 
 4 
 
 .05766 
 .06367 
 
 .66438 
 .68615 
 
 48 
 
 13 
 
 4 
 
 1 
 
 3 
 
 .04062 .58240 
 
 
 
 
 
 
 
 
 
 18 
 
 4 
 
 2 
 
 
 
 .04102 .58479 
 
 53 
 
 13 
 
 4 
 
 17 
 
 7 
 
 .04879 
 
 .62615 
 
 
 23 
 
 4 
 
 3 
 
 3 
 
 .04161 .58823 
 
 
 18 
 
 4 
 
 18 
 
 3 
 
 .04915 
 
 .62790 
 
 
 28 
 
 4 
 
 4 
 
 10 
 
 .04246 .5931 1 
 
 
 23 
 
 4 
 
 19 
 
 4 
 
 .04965 
 
 .03028 
 
 
 33 
 
 4 
 
 7 
 
 5 
 
 .04371 
 
 .60011 
 
 
 28 
 
 5 
 
 
 
 9 
 
 .05039 
 
 .63372 
 
 
 38 
 
 4 
 
 11 
 
 4 
 
 .04565 
 
 .01046 
 
 
 33 
 
 5 
 
 3 
 
 
 
 .0.5148 
 
 .63867 
 
 
 43 
 
 4 
 
 17 
 
 5 
 
 .04871 
 
 .62583 
 
 
 38 
 
 5 
 
 6 
 
 4 
 
 .05317 
 
 .64609 
 
 
 48 
 
 5 
 
 6 
 
 10 
 
 .05343 
 
 .64720 
 
 
 43 
 
 48 
 
 5 
 6 
 
 11 
 
 
 10 
 6 
 
 .05591 
 .00026 
 
 65748 
 .07414 
 
 •£9 
 
 14 
 19 
 
 4 
 4 
 
 4 
 5 
 
 3 
 
 1 
 
 .04213 
 .04255 
 
 .59128 
 .59366 
 
 
 53 
 
 6 
 
 13 
 
 4 
 
 .06665 
 
 .69596 
 
 
 24 
 
 4 
 
 6 
 
 4 
 
 .04317 
 
 .59710 
 
 5€ 
 
 14 
 
 5 
 
 1 
 
 7 
 
 .05079 
 
 .63552 
 
 
 29 
 
 4 
 
 8 
 
 1 
 
 .04406 
 
 .60202 
 
 
 19 
 
 5 
 
 2 
 
 4 
 
 .05117 
 
 .63726 
 
 
 34 
 
 4 
 
 10 
 
 9 
 
 .04538 
 
 .60910 
 
 
 24 
 
 5 
 
 3 
 
 5 
 
 .05169 |.C3962| 
 
 
 39 
 
 4 
 
 14 
 
 11 
 
 .04745 
 
 .61964 
 
 
 29 
 
 5 
 
 4 
 
 11 
 
 .05247 
 
 .64306 
 
 
 44 
 
 5 
 
 1 
 
 6 
 
 .05075 
 
 .63535 
 
 
 34 
 
 5 
 
 7 
 
 3 
 
 .05362 
 
 .64801 
 
 
 49 
 
 5 
 
 11 
 
 6 
 
 .05577 
 
 .65690 
 
 
 39 
 44 
 
 I 
 
 10 
 16 
 
 10 
 9 
 
 .05543 
 .05839 
 
 .65556 
 .66718 
 
 50 
 
 10 
 
 4 
 
 6 
 
 10 
 
 .04343 
 
 .59856 
 
 
 49 
 
 6 
 
 G 
 
 
 
 .06301 
 
 .68389 
 
 
 15 
 
 4 
 
 7 
 
 6 
 
 .04374 
 
 .60028 
 
 
 54 
 
 6 
 
 19 
 
 8 
 
 .06983 
 
 .70566 
 
 
 20 
 
 4 
 
 8 
 
 4 
 
 .04418 
 
 .60266 
 
 
 
 
 
 
 
 
 
 25 
 
 4 
 
 9 
 
 8 
 
 .04482 
 
 .60610 
 
 55 
 
 10 
 
 5 
 
 5 
 
 3 
 
 .05263 
 
 .64374 
 
 
 30 
 
 4 
 
 11 
 
 6 
 
 .04576 
 
 .61104 
 
 1 
 
 15 
 
 5 
 
 5 
 
 10 
 
 .05292 
 
 .64499 
 
 
 35 
 
 4 
 
 14 
 
 4 
 
 .04716 
 
 .61822 
 
 
 20 
 
 5 
 
 6 
 
 8 
 
 .05332 
 
 .64671 
 
 
 40 
 
 4 
 
 18 
 
 9 
 
 .04937 
 
 .62894 
 
 
 25 
 
 5 
 
 7 
 
 9 
 
 .05387 
 
 .64907 
 
 
 45 
 
 5 
 
 5 
 
 10 
 
 .0.5291 
 
 .64496 
 
 
 30 
 
 5 
 
 9 
 
 5 
 
 .05469 
 
 .65247 
 
 
 50 
 
 5 
 
 16 
 
 6 
 
 .05824 
 
 .66663 
 
 1 
 
 35 
 
 40 
 
 5 
 5 
 
 11 
 15 
 
 10 
 
 8 
 
 .05590 
 .05784 
 
 .65745 
 .66508 
 
 51 
 
 11 
 
 4 
 
 10 
 
 3 
 
 .04511 
 
 .60764 
 
 
 45 
 
 6 
 
 2 
 
 1 
 
 .06103 
 
 .67693 
 
 
 16 
 
 4 
 
 10 
 
 11 
 
 .04544 
 
 .C0939 
 
 
 50 
 
 6 
 
 11 
 
 11 
 
 .06596 
 
 .69369 
 
 
 21 
 
 4 
 
 11 
 
 10 
 
 .04590 
 
 .61178 
 
 
 55 
 
 7 
 
 6 
 
 5 
 
 .07321 
 
 .71538 
 
 
 26 
 
 4 
 
 13 
 
 2 
 
 .04657 
 
 .61522 
 
 
 
 
 
 
 
 
 
 31 
 
 4 
 
 15 
 
 1 
 
 .04756 
 
 .02017 
 
 56 
 
 11 
 
 5 
 
 9 
 
 9 
 
 .05487 
 
 .65323 
 
 
 36 
 
 4 
 
 18 
 
 1 
 
 .04905 
 
 .62743 
 
 
 16 
 
 5 
 
 10 
 
 4 
 
 .05518 
 
 .65450 
 
 
 41 
 
 5 
 
 2 
 
 10 
 
 .05141 
 
 .63835 
 
 
 21 
 
 5 
 
 11 
 
 2 
 
 .05559 
 
 .65619 
 
 
 46 
 
 5 
 
 10 
 
 5 
 
 .05521 
 
 .65465 
 
 
 26 
 
 5 
 
 12 
 
 4 
 
 .05617 
 
 .65853 
 
 
 51 
 
 6 
 
 1 
 
 9 
 
 .06088 
 
 .67638 
 
 
 31 
 
 36 
 
 5 
 5 
 
 14 
 16 
 
 1 
 8 
 
 .05703 
 .05832 
 
 .66194 
 .66692 
 
 52 
 
 12 
 
 4 
 
 13 
 
 9 
 
 .04689 
 
 .61684 
 
 
 41 
 
 6 
 
 
 
 10 
 
 .06041 
 
 .67469 
 
 17 
 
 4 
 
 14 
 
 6 
 
 .04724 
 
 .61859 
 
 
 46 
 
 6 
 
 7 
 
 8 
 
 .06385 
 
 .68673 
 
T^BZiS XVI. 
 
 LIFE ASSURANCES— JOINT LIVES. 
 
 Shewing the Single and Annual Premium required to secure a Sum 
 payable at the decease of the first of two Assigned Lives, according 
 to the combined experience of various Life Offices, reckoning Interest 
 at 3 per cent. 
 
 Age. 
 
 Annual i 
 
 4.niiual 
 
 Single 
 
 Age. 
 
 Annual 
 
 iinnual Single 1 
 
 
 ] 
 
 Premium 
 )er Cent. 
 
 Prem. Prem. , . 
 per £. per £1.1 
 
 i 
 
 
 Premium Prem. 1 Prem. 
 per Cent, per £1. per £1. 
 
 Older. 1 
 
 ^ounger. I 
 
 Older. Younger. 
 
 56 
 
 51 ( 
 
 3 18 2 
 
 06909 
 
 70344 
 
 61 
 
 11 
 
 6 16 4 
 
 06817 . 
 
 70065 
 
 
 56 
 
 7 13 7 
 
 07681 
 
 72505 
 
 1 
 
 
 16 
 21 
 
 6 16 11 
 6 17 8 
 
 06844 
 06883 
 
 70146 
 70266 
 
 57 
 
 12 
 
 5 14 6 
 
 05725 
 
 66278' 
 
 
 26 
 
 6 18 8 
 
 .06935 
 
 70422 
 
 
 17 
 
 5 15 2 
 
 .05758 
 
 664061 
 
 
 31 
 
 7 2 
 
 .07009 
 
 70644 
 
 
 22 
 
 5 16 
 
 .05801 
 
 .66575 
 
 
 36 
 
 7 2 5 
 
 .07121 
 
 .70973 
 
 
 27 
 
 5 17 3 
 
 .05862 
 
 .66805 
 
 
 41 
 
 7 6 1 
 
 .07304 
 
 .71492 
 
 
 32 
 
 5 19 
 
 .05952 
 
 .67143 
 
 
 46 
 
 7 12 4 
 
 .07616 
 
 .72336 
 
 
 37 
 
 6 1 9 
 
 .06089 
 
 .67644 
 
 
 51 
 
 8 1 11 
 
 .08096 
 
 .73542 
 
 
 42 
 
 6 G 4 
 
 .06315 
 
 .68437 
 
 
 56 
 
 8 16 4 
 
 .08815 
 
 .75164 
 
 
 47 
 
 6 13 8 
 
 .06684 
 
 .69651 
 
 
 61 
 
 9 17 9 
 
 .09888 
 
 .77246 
 
 
 52 
 
 7 4 10 
 
 .07242 
 
 .71317 
 
 
 
 
 
 
 
 57 
 
 8 13 
 
 .08064 
 
 .73466 
 
 62 
 
 12 
 
 17 
 
 7 2 10 
 7 3 5 
 
 .07142 
 .07170 
 
 .71031 
 .71113 
 
 58 
 
 13 
 
 5 19 7 
 
 .05978 
 
 .67239 
 
 
 22 
 
 7 4 3 
 
 .07211 
 
 .71229 
 
 
 18 
 
 6 3 
 
 .06018 
 
 .67367 
 
 
 27 
 
 7 5 4 
 
 .07266 
 
 .71384 
 
 
 23 
 
 6 1 2 
 
 .06059 
 
 .67534 
 
 
 32 
 
 7 6 11 
 
 .07344 
 
 .71602 
 
 
 28 
 
 6 2 5 
 
 .06122 
 
 .67763 
 
 
 37 
 
 7 9 3 
 
 .07463 
 
 .71928 
 
 
 33 
 
 6 4 4 
 
 .06217 
 
 .68098 
 
 
 42 
 
 7 13 3 
 
 .07662 
 
 .72456 
 
 
 38 
 
 6 7 3 
 
 .06364 
 
 .68603 
 
 
 47 
 
 7 19 11 
 
 .07997 
 
 .73303 
 
 
 43 
 
 6 12 2 
 
 .06608 
 
 .69409 
 
 
 52 
 
 8 10 2 
 
 .08509 
 
 .74500 
 
 
 48 
 
 7 1 
 
 .07004 
 
 .70629 
 
 
 57 
 
 9 5 6 
 
 .09277 
 
 .76105 
 
 
 63 
 
 7 11 11 
 
 .07597 
 
 .72287 
 
 
 62 
 
 10 8 6 
 
 .10426 
 
 .78164 
 
 
 58 
 
 8 9 6 
 
 .08475 
 
 .74424 
 
 
 
 
 
 
 
 
 
 
 
 63 
 
 13 
 
 7 9 9 
 
 .07487 
 
 .71992 
 
 59 
 
 14 
 
 6 5 
 
 .06249 
 
 .68207 
 
 
 18 
 
 7 10 4 
 
 .07517 
 
 .72074 
 
 
 19 
 
 6 5 8 
 
 .06284 
 
 .68331 ! 
 
 
 23 
 
 7 11 2 
 
 .07559 
 
 .72188 
 
 
 24 
 
 6 6 8 
 
 .06332 
 
 .68495' 
 
 
 28 
 
 7 12 4 
 
 .07618 
 
 .72342 
 
 
 29 
 
 6 8 
 
 .06399 
 
 .68723 
 
 
 33 
 
 7 14 
 
 .07699 
 
 .72555 
 
 
 34 
 
 6 10 
 
 .06499 
 
 .69054 
 
 
 38 
 
 7 16 6 
 
 .07827 
 
 .72881 
 
 
 39 
 
 6 13 2 
 
 .06657 
 
 .69563 
 
 
 43 
 
 8 11 
 
 .08044 
 
 .73417 
 
 
 44 
 
 6 18 5 
 
 .06922 
 
 .70385 
 
 
 48 
 
 8 8 1 
 
 .08404 
 
 .74261 
 
 
 49 
 
 7 6 11 
 
 .07345 
 
 .71605 
 
 
 53 
 
 8 19 
 
 .08949 
 
 .75447 
 
 
 54 
 
 7 19 6 
 
 .07977 
 
 .73254 
 
 
 58 
 
 9 15 5 
 
 .09771 
 
 .77037 
 
 
 . 59 
 
 8 18 4 
 
 .08915 
 
 .75374 
 
 
 63 
 
 11 
 
 .11000 
 
 .79064 
 
 60 
 
 10 
 
 6 10 3 
 
 .06511 
 
 .69095 
 
 6^ 
 
 14 
 
 7 17 1 
 
 .07855 
 
 .72951 
 
 
 15 
 
 6 10 8 
 
 .06537 
 
 .09176 
 
 
 19 
 
 7 17 9 
 
 .07888 
 
 .73032 
 
 
 20 
 
 6 11 C 
 
 .06574 
 
 .69299 
 
 
 24 
 
 7 18 8 
 
 .07932 
 
 .73145 
 
 
 25 
 
 6 12 C 
 
 .06624 
 
 .69459 
 
 
 29 
 
 7 19 IC 
 
 .07993 
 
 .73292 
 
 
 30 
 
 6 13 11 
 
 .06695 
 
 .69683 
 
 
 34 
 
 8 1 7 
 
 .08079 
 
 .73501 
 
 
 35 
 
 |6 16 C 
 
 .0680C 
 
 .70015 
 
 
 39 
 
 8 4 4 
 
 ■ .08216 
 
 .73827 
 
 
 40 
 
 |6 19 5 
 
 .0697C 
 
 .70528 
 
 
 44 
 
 8 9 C 
 
 .08452 
 
 .74372 
 
 
 45 
 
 7 5 2 
 
 .07257 
 
 .71360 
 
 
 49 
 
 8 16 £ 
 
 .08838 
 
 .75214 
 
 
 50 
 
 7 14 2 
 
 ! .0770S 
 
 1 .72578 
 
 
 54 
 
 9 8 £ 
 
 .09421 
 
 .76385 
 
 
 55 
 
 8 7 8 
 
 S .0838? 
 
 ( .74215 
 
 
 59 
 
 10 6 C 
 
 1 .10298 
 
 .77952 
 
 
 60 
 
 9 7 £ 
 
 ) .0938e 
 
 » .76318 
 
 
 64 
 
 11 12 £ 
 
 t .11611 
 
 .79946 
 
TABZ.E XVZ. 
 
 LIFE ASSURANCES— JOINT LIVES. 
 
 Shewing the Single and Annual Premium required to secure a Sum 
 payable at the decease of the first of two Assigned Lives accordinir 
 to the combined experience of various Life Offices, reckoning Interest 
 at 3 per Cent. ° 
 
 Age. 
 
 Annual 
 
 Annual 
 
 Single 
 
 Age. 
 
 Annual 
 
 Annua] 
 
 $>iric7]a 
 
 
 . Premium 
 per Cent. 
 
 Prem. 
 per £1. 
 
 Prem. 
 per £1. 
 
 
 Premium 
 per Cent. 
 
 Prem. 
 per ^1 
 
 oiiigit; 
 
 Older. 
 
 65 
 
 Younger 
 
 Older. 
 
 Younger 
 
 Prem. 
 per £1 
 
 
 10 
 
 8 4 6 
 
 .08224 
 
 .73848 
 
 68 
 
 13 
 
 9 11 
 
 1 
 
 .09554 
 
 .76038 
 
 
 
 15 
 
 8 4 11 
 
 .08247 
 
 .73900 
 
 
 18 
 
 9 11 
 
 8 
 
 .09582 
 
 .76691 
 
 V 
 
 
 20 
 
 8 5 7 
 
 .08281 
 
 .73982 
 
 
 23 
 
 9 12 
 
 5 
 
 .09621 
 
 .76763 
 
 
 
 25 
 
 8 6 6 
 
 .08327 
 
 .74087 
 
 
 28 
 
 9 13 
 
 5 
 
 .09673 
 
 .76859 
 
 
 
 30 
 
 8 7 10 
 
 .08390 
 
 .74232 
 
 
 33 
 
 9 14 
 
 11 
 
 .09747 
 
 .76993 
 
 
 
 35 
 
 8 9 8 
 
 .08483 
 
 .74442 
 
 
 38 
 
 9 17 
 
 2 
 
 .09857 
 
 .77191 
 
 
 
 40 
 
 8 12 7 
 
 .08629 
 
 .74765 
 
 
 43 
 
 10 1 
 
 
 
 .10049 
 
 .77529 
 
 
 
 45 
 
 8 17 9 
 
 .08888 
 
 .75319 
 
 
 48 
 
 10 7 
 
 6 
 
 .10376 
 
 .78083 
 
 
 
 50 
 
 9 6 
 
 .09300 
 
 .76152 
 
 
 53 
 
 10 17 
 
 6 
 
 .10877 
 
 .78878 
 
 
 
 55 
 
 9 18 5 
 
 .09922 
 
 .77308 
 
 
 58 
 
 11 12 
 
 8 
 
 .11635 
 
 .79979 
 
 
 
 60 
 
 10 17 3 
 
 .10861 
 
 .78855 
 
 
 63 
 
 12 15 
 
 10 
 
 .12791 
 
 .81453 
 
 
 
 65 
 
 12 5 4 
 
 .12266 
 
 .80812 
 
 
 68 
 
 14 9 
 
 11 
 
 .14497 
 
 .83270 
 
 
 66 
 
 11 
 
 8 12 10 
 
 .08640 
 
 .74788 
 
 €9 
 
 14 
 
 10 1 
 
 1 
 
 .10056 
 
 .77541 
 
 
 
 16 
 
 8 13 4 
 
 .08665 
 
 .74844 
 
 
 19 
 
 10 1 
 
 9 
 
 .10086 
 
 .77593 
 
 
 
 21 
 
 8 14 
 
 .08700 
 
 .74920 
 
 
 24 
 
 10 2 
 
 6 
 
 .10126 
 
 .77663 
 
 
 
 26 
 
 8 15 
 
 .08749 
 
 .75024 
 
 
 29 
 
 10 3 
 
 7 
 
 .10181 
 
 .77757 
 
 
 
 31 
 
 8 16 3 
 
 .08814 
 
 .75164 
 
 
 34 
 
 10 5 
 
 o 
 
 .10259 
 
 .77888 
 
 
 
 36 
 
 8 18 3 
 
 .08912 
 
 .75.368; 
 
 
 39 
 
 10 7 
 
 6 
 
 .10376 
 
 .78083 
 
 
 
 41 
 
 9 15 
 
 .09072 
 
 .756971 
 
 
 44 
 
 10 11 
 
 9 
 
 .10586 
 
 .78423 
 
 
 
 46 
 
 9 7 
 
 .09352 
 
 .76254; 
 
 
 49 
 
 10 18 
 
 9 
 
 .10937 
 
 .78971 
 
 
 
 51 
 
 9 15 10 
 
 .09792 
 
 .77075; 
 
 
 54 
 
 11 9 
 
 5 
 
 .11472 
 
 .79752 
 
 
 
 56 
 
 10 9 1 
 
 .10456 
 
 .78214; 
 
 
 59 
 
 12 5 
 
 8 
 
 .12285 
 
 .80835 
 
 
 
 61 
 
 11 9 3 
 
 .11464 
 
 .79740 
 
 
 64 
 
 13 10 
 
 5 
 
 .13521 
 
 .82277 
 
 
 
 66 
 
 12 19 3 
 
 .12968 
 
 .81654 
 
 
 69 
 
 15 6 
 
 9 
 
 .15339 
 
 .84042 
 
 
 67 
 
 12 
 
 9 1 8 
 
 .09084 
 
 .75721 
 
 70 
 
 10 
 
 10 11 
 
 5 
 
 .10569 
 
 .78397 
 
 
 
 17 
 
 9 2 2 
 
 .09109 
 
 .75773J 
 
 
 15 
 
 10 11 
 
 10 
 
 .10591 
 
 .78432 
 
 
 
 22 
 
 9 2 11 
 
 .09147 
 
 .75849! 
 
 
 20 
 
 10 12 
 
 5 
 
 .10622 
 
 .78482 
 
 
 
 27 
 
 9 3 11 
 
 .09197 
 
 .75948 
 
 
 25 
 
 10 13 
 
 4 
 
 .10667 
 
 .78552 
 
 
 
 32 
 
 9 5 4 
 
 .09267 
 
 .76088 
 
 
 30 
 
 10 14 
 
 6 
 
 .10724 
 
 .78042 
 
 
 
 37 
 
 9 7 5 
 
 .09370 
 
 .76288 
 
 
 35 
 
 10 16 
 
 1 
 
 10804 
 
 .78767 
 
 
 
 42 
 
 9 10 10 
 
 .09543 
 
 76G18 
 
 
 40 
 
 10 18 
 
 8 
 
 10932 
 
 78962 
 
 
 
 47 
 
 9 16 11 
 
 .09847 
 
 .77174 
 
 
 45 
 
 11 3 
 
 3.11162 
 
 79306 
 
 
 
 52 
 
 10 6 4 
 
 .10317 
 
 77984 
 
 
 50 
 
 11 10 
 
 9 .115.38 
 
 79845 
 
 
 
 57 
 
 11 6' 
 
 .11027 
 
 79105 
 
 
 55 
 
 12 2 
 
 2 .12109 
 
 80610 
 
 
 
 62 
 
 12 2 2 
 
 12107 
 
 80608 
 
 
 60 
 
 12 19 
 
 7 .12980 
 
 81674 
 
 
 
 67 
 
 13 14 l' 
 
 13704 . 
 
 82472 
 
 
 65 
 
 4 6 
 
 .14302 
 
 83081 
 
 
 [ 
 
 
 
 
 
 
 70 1 
 
 6 4 
 
 9.16237 
 
 84791 
 
 
TABXiS XVXX. 
 
 LIFE ASSURANCES— LAST SURVIVOR. 
 
 Shewing the Single and Annual Premium required to secure a Sum 
 payable at the extinction of the last survivor of two Assigned Lives 
 according to the combined experience of various Life Offices, reckoning 
 Interest at 3 per Cent. 
 
 A 
 
 ge. 
 
 Annual 
 
 Annual 
 
 Single 
 
 Age. 
 
 Annual Annual 
 
 Single 
 
 
 
 Premium 
 per Cent. 
 
 Prem. 
 per £\. 
 
 Prem. 
 per £1. 
 
 
 
 Premium 
 per Cent. 
 
 Prem. 
 per £1. 
 
 Prem. 
 per £1. 
 
 Older 
 
 Young(!r 
 
 Older. 
 
 Younger 
 
 14 
 
 14 
 
 14 9 
 
 .00737 
 
 .20198 
 
 27 
 
 12 
 17 
 
 16 11 
 18 5 
 
 .00846 
 .00921 
 
 .22510 
 .24036 
 
 15 
 
 10 
 
 14 1 
 
 .00705 
 
 .19509 
 
 
 22 
 
 1 1 
 
 .01004 
 
 .25633 
 
 
 15 
 
 15 2 
 
 .00758 
 
 .20662 
 
 
 27 
 
 1 1 10 
 
 .01090 
 
 .27241 
 
 16 
 
 11 
 
 14 
 
 .00725 
 
 .19947 
 
 28 
 
 13 
 
 17 5 
 
 .00871 
 
 .23020 
 
 
 16 
 
 15 7 
 
 .00780 
 
 .21133 
 
 
 18 
 23 
 
 19 
 
 1 9 
 
 .00959 
 .01036 
 
 .24596 
 .26238 
 
 17 
 
 12 
 17 
 
 14 11 
 16 1 
 
 .00746 
 .00803 
 
 .20396 
 .21613 
 
 
 28 
 
 1 2 6 
 
 .01126 
 
 .27888 
 
 
 
 
 
 
 29 
 
 14 
 
 17 11 
 
 .00896 
 
 .23544 
 
 18 
 
 13 
 
 15 4 
 
 .00767 
 
 .20856 
 
 
 19 
 
 19 7 
 
 .00979 
 
 .25170 
 
 
 18 
 
 16 6 
 
 .00827 
 
 .22113 
 
 
 24 
 29 
 
 I 1 5 
 13 3 
 
 .01069 
 .01164 
 
 .26859 
 .28553 
 
 19 
 
 14 
 
 15 9 
 
 .00789 
 
 .21331 
 
 
 
 
 
 
 
 19 
 
 17 
 
 .00851 
 
 .22624 
 
 30 
 
 10 
 15 
 
 16 11 
 18 C 
 
 .00844 
 .00923 
 
 .22496 
 .24080 
 
 20 
 
 10 
 
 15 
 
 .00752 
 
 ,20525 
 
 
 20 
 
 1 2 
 
 .01010 
 
 .25755 
 
 
 15 
 
 16 3 
 
 .00813 
 
 .21823 
 
 
 25 
 
 1 2 1 
 
 .01104 
 
 .27491 
 
 
 20 
 
 17 6 
 
 .00877 
 
 .23150 
 
 
 30 
 
 1 4 1 
 
 .01203 
 
 .29234 
 
 21 
 
 11 
 
 15 6 
 
 .00773 
 
 .20988 
 
 31 
 
 11 
 
 17 5 
 
 .00870 
 
 .23000 
 
 
 16 
 
 16 9 
 
 .00837 
 
 .22324 
 
 
 16 
 
 19 
 
 .00952 
 
 .24634 
 
 
 21 
 
 18 1 
 
 .00903 
 
 .23690 
 
 
 21 
 26 
 
 1 10 
 
 1 2 10 
 
 .01042 
 .01140 
 
 .26358 
 .28147 
 
 ZZ 
 
 12 
 17 
 
 15 11 
 17 3 
 
 .00795 
 .00862 
 
 .21461 
 .22839 
 
 
 31 
 
 1 4 11 
 
 .01244 
 
 .29935 
 
 
 22 
 
 18 8 
 
 .00932 
 
 .24243 
 
 32 
 
 12 
 
 17 
 
 17 11 
 19 7 
 
 .00895 
 .00981 
 
 .23512 
 .25196 
 
 23 
 
 13 
 
 16 5 
 
 .00819 
 
 .21949 
 
 
 22 
 
 I 1 6 
 
 .01075 
 
 .26975 
 
 
 18 
 
 17 9 
 
 .00888 
 
 .23369 
 
 
 27 
 
 1 3 7 
 
 .01179 
 
 .28817 
 
 
 23 
 
 19 3 
 
 .00961 
 
 .24811 
 
 
 32 
 
 1 5 9 
 
 .01287 
 
 .30651 
 
 24 
 
 14 
 
 16 10 
 
 .00843 
 
 .22450 
 
 33 
 
 13 
 
 18 5 
 
 •00921 
 
 .24039 
 
 
 19 
 
 18 4 
 
 .00915 
 
 .23911 
 
 
 18 
 
 1 3 
 
 .01011 
 
 .25778 
 
 
 24 
 
 19 10 
 
 .00991 
 
 .25394 
 
 
 23 
 
 28 
 
 1 2 2 
 1 4 5 
 
 .01110 
 .01219 
 
 .27610 
 .29507 
 
 25 
 
 10 
 15 
 
 16 
 17 4 
 
 .00799 
 .00868 
 
 .21526 
 .22965 
 
 
 33 
 
 1 6 8 
 
 .01332 
 
 .31388 
 
 
 20 
 
 18 10 
 
 .00943 
 
 .24471 
 
 34 
 
 14 
 
 19 
 
 .00948 
 
 .24578 
 
 
 25 
 
 1 5 
 
 .01022 
 
 .25991 
 
 
 19 
 24 
 
 1 10 
 1 2 11 
 
 .01043 
 .01147 
 
 .26373 
 .28261 
 
 26 
 
 11 
 
 16 5 
 
 .00822 
 
 .22013 
 
 
 29 
 
 1 5 3 
 
 .01261 
 
 .30208 
 
 
 16 
 
 17 11 
 
 .00897 
 
 .23495 
 
 
 34 
 
 1 7 7 
 
 .01379 
 
 .32143 
 
 
 21 
 
 19 6 
 
 .00973 
 
 .25045 
 
 
 
 
 
 
 
 26 
 
 1 1 1 
 
 .01056 
 
 .26609 
 
 35 
 
 10 
 
 17 10 
 
 .00890 
 
 23445 
 
TABZ.E XVZX. 
 
 LIFE ASSURANCES— LAST SURVIVOR. 
 
 Shewing the Single and Annual Premium required to secure a Sum 
 payable at the extinction of the last survivor of two Assigned Lives, 
 according to the combined experience of various Life Offices, reckoning 
 Interest at 3 per Cent. 
 
 Age. 
 
 Older. 
 
 35 
 
 Younger. 
 
 Annual 
 Premium 
 per Cent. 
 
 36 
 
 37 
 
 38 
 
 39 
 
 40 
 
 41 
 
 15 
 20 
 25 
 30 
 35 
 
 11 
 16 
 
 21 
 26 
 31 
 36 
 
 12 
 17 
 22 
 27 
 32 
 37 
 
 13 
 18 
 23 
 28 
 33 
 38 
 
 14 
 19 
 24 
 29 
 34 
 39 
 
 10 
 15 
 20 
 25 
 30 
 35 
 40 
 
 n 
 
 16 
 
 I 21 
 
 26 
 
 31 
 
 19 7 
 
 1 1 6 
 13 8 
 1 6 I 
 
 1 8 7 
 
 Annual j Single 
 
 Prem. 
 per £1. 
 
 18 
 
 
 2 3 
 
 4 
 
 7 
 9 
 
 Prem. 
 per£I. 
 
 Age. 
 
 Older. Younger. 
 
 .00977 .25135 
 .01076 .26984 
 .01185 .28927 
 .01304 .30928 
 .01429 .32917 
 
 00917 .23961 
 
 010071.25706 
 
 0111l!.27610 
 
 6j.01225'. 29615 
 
 0.01350|. 31673 
 
 7 .014811.33716 
 
 18 11 
 
 41 
 
 42 
 
 .00944' 
 
 91.010381 
 2 111.01147! 
 5 4.01267 
 7 11 01398; 
 10 9.01536 
 
 19 5 .00972 
 
 115 
 1 3 8 
 16 3 
 19 
 1 11 10 
 
 10 
 
 01071 
 01184 
 .01311 
 .01448 
 01593 
 
 1 2 
 1 4 
 ;i 7 
 
 |l 10 
 |1 13 
 
 18 
 
 .24489 
 
 .26288 
 
 .28252 
 
 .30316; 
 
 .32431 
 
 .34528 
 
 .25031 
 .26889 
 .28913 
 .31039 
 ;. 33215 
 35367 
 
 OlOOl 25583 
 01104 .27500 
 012231.29586 
 ,01356i.31775 
 .01500.34010 
 .01654 .36220 
 
 1 8 
 
 1. 
 
 1 11 
 
 2 
 
 1 14 
 
 4 
 
 19 
 
 4 
 
 1 1 
 
 3 
 
 |1 3 
 
 6 
 
 1 6 
 
 2 
 
 ,1 9 
 
 i 
 
 1 
 
 9 .009381.24360 
 .01031 i.26153 
 .011391.28130 
 .012641.30276 
 01404 .32529 
 01557 1.34828 
 01718'.37097 
 
 00965 '.24885 
 ,01002. 26736 
 ,011761.28772 
 ,01308 '.30986 
 .01454.33308! 
 
 43 
 
 44 
 
 45 
 
 46 
 
 47 
 
 36 
 
 41 
 
 12 
 17 
 22 
 27 
 32 
 37 
 42 
 
 13 
 18 
 23 
 28 
 33 
 38 
 43 
 
 14 
 19 
 24 
 29 
 34 
 39 
 44 
 
 10 
 15 
 20 
 25 
 30 
 35 
 40 
 45 
 
 11 
 16 
 21 
 26 
 31 
 36 
 41 
 46 
 
 12 
 17 
 
 Annual Annual 
 Premium Prtm. 
 per Cent, per £1. 
 
 1 12 4^.01615 
 1 15 8.01784 
 
 Single 
 Prem. 
 per £1 
 
 19 10 .00992 
 
 1 
 
 4 
 
 7 
 
 10 
 
 13 
 
 17 
 
 11 .01095 
 3 .01214 
 
 .01352 
 2 .01 507 
 6 .01676 
 
 1 .01855 
 
 5 .01021 
 7 .01129 
 1 .01254 
 .01399 
 3 .01562 
 14 10 .01741 
 18 7 .01929 
 
 
 2 
 5 
 
 8 
 11 
 
 1 
 3 
 5 
 9 
 12 
 16 
 
 
 10 19 
 1 1 
 
 4 
 
 6 
 
 10 
 
 13 
 
 17 
 
 .01051 
 3 .01164 
 11 .01296 
 .01448 
 5 .01620 
 2 .01809 
 2 .02009 
 
 8.00983 
 8 .01083 
 01.01201 
 9i. 01339 
 0|.01500 
 8 .01681 
 71.01880 
 
 .35670 
 .37997 
 
 .2.5421 
 .27331 
 .2943-2 
 .31712 
 .34101 
 .36529 
 .38914 
 
 .25968 
 .27941 
 .30107 
 .32457 
 .34916 
 .37411 
 .39855 
 
 .2a533 
 .28567 
 .30800 
 .33221 
 .35748 
 .38314 
 .40825 
 
 .25234 
 .27107 
 .29204 
 .31.505 
 .33998 
 .36599 
 .39237 
 
 2 1 10 .020921.41807 
 
 
 
 2 
 
 4 
 
 7 
 
 11 1 
 14 11 
 
 19 
 3 
 
 
 3 
 
 2'.01010' 
 
 4.01115 
 
 9 .01239 
 
 8 .01385 
 
 01554 
 
 ,01745 
 
 ,01956 
 
 .02180 
 
 9.01039 
 0.01149 
 
 .25761 
 .27695 
 .29856 
 .32230 
 .34796 
 .37472 
 .40185 
 ; 42812 
 
 '.26296 
 .28293 
 
TAB]:.E XVIZ. 
 
 LIFE ASSURANCES— LAST SURVIVOR. 
 
 Shewing the Single and Annual Premium required to secure a Sum 
 payable at the extinction of the last survivor of^ two Assigned Lives 
 according to the combined experience of various Life Offices, reckoning 
 Interest at 3 per Cent. 
 
 Ag 
 
 e. 
 
 Annual 
 
 fVnnual 
 
 Single 
 
 Age. 
 
 Annual 
 
 Annual 
 
 Single 
 
 
 
 Premium 
 per Cent. 
 
 Prem. 
 per £1. 
 
 Prem. 
 per £1. 
 
 
 Premium 
 
 per Cent. 
 
 Prem. 
 per £1. 
 
 Prem. 
 per £1. 
 
 Older. ' 
 
 ifounger. 
 
 Older. ^ 
 
 ifounger. 
 
 47 
 
 22 
 
 1 5 7 
 
 .01279 
 
 .30522 
 
 sz 
 
 22 
 
 1 6 
 
 9 
 
 .01338 
 
 .31484 
 
 
 27 
 
 1 8 8 
 
 .01432 
 
 .32969 
 
 
 27 
 
 I 10 
 
 1 
 
 .01505 
 
 .34074 
 
 
 32 
 
 1 12 2 
 
 .01610 
 
 .35609 
 
 
 32 
 
 1 14 
 
 1 
 
 .01704 
 
 .36910 
 
 
 37 
 
 1 16 3 
 
 .01812 
 
 .38363 
 
 
 37 
 
 1 18 
 
 9.019371 
 
 .39952 
 
 
 42 
 
 2 9 
 
 .02036 
 
 .41149 
 
 
 42 
 
 2 4 
 
 2 
 
 .02208 
 
 .43121 
 
 
 47 
 
 2 5 6 
 
 .02273 
 
 .43834 
 
 
 47 
 52 
 
 2 10 
 2 16 
 
 2 
 6 
 
 .02508 
 .02822 
 
 .46269 
 .49211 
 
 48 
 
 13 
 
 1 1 4 
 
 .01068 
 
 .26845 
 
 
 
 
 
 
 
 
 18 
 
 1 3 8 
 
 .01184 
 
 .28907 
 
 53 
 
 13 
 
 1 2 
 
 3 
 
 .01112 
 
 .27632 
 
 
 23 
 
 1 6 5 
 
 .01321 
 
 .31205 
 
 
 18 
 
 1 4 
 
 8 
 
 .01233 
 
 .29758 
 
 
 28 
 
 1 9 8 
 
 .01482 
 
 .33727 
 
 
 23 
 
 1 7 
 
 7 
 
 .01380 
 
 .32160 
 
 
 33 
 
 1 13 5 
 
 .01670 
 
 .36444 
 
 
 28 
 
 1 11 
 
 1 
 
 .01556 
 
 .34828 
 
 
 38 
 
 1 17 8 
 
 .01884 
 
 .39279 
 
 
 33 
 
 1 15 
 
 4 
 
 .01766 
 
 .37748 
 
 
 43 
 
 2 2 5 
 
 .02120 
 
 .42136 
 
 
 38 
 
 2 
 
 3 
 
 .02013 
 
 .40878 
 
 
 48 
 
 2 7 5 
 
 .02371 
 
 .44879 
 
 
 43 
 
 48 
 
 2 6 
 2 12 
 
 
 5 
 
 .02300 
 .02619 
 
 .44131 
 .47346 
 
 49 
 
 14 
 19 
 
 1 2 
 1 4 5 
 
 .01099 
 .01220 
 
 .27404 
 .29533 
 
 
 53 
 
 2 19 
 
 
 
 .02951 
 
 .50331 
 
 
 24 
 
 1 7 3 
 
 .01364 
 
 .31900 
 
 .54 
 
 14 
 
 1 2 
 
 10 
 
 .01141 
 
 .28182 
 
 
 29 
 
 1 10 8 
 
 .01534 
 
 .34499 
 
 
 19 
 
 1 5 
 
 5 
 
 .01270 
 
 .30374 
 
 
 34 
 
 1 14 8 
 
 .01732 
 
 .37292 
 
 
 24 
 
 1 8 
 
 6 
 
 .01424 
 
 .32849 
 
 
 39 
 
 1 19 2 
 
 .01958 
 
 .40208 
 
 
 29 
 
 1 12 
 
 2 
 
 .01609 
 
 .35597 
 
 
 44 
 
 2 4 2 
 
 .02210 
 
 .43144 
 
 
 34 
 
 1 16 
 
 8 
 
 .01831 
 
 .38602 
 
 
 49 
 
 2 9 6 
 
 .02474 
 
 .45936 
 
 
 39 
 44 
 
 2 1 
 
 2 7 
 
 10 
 11 
 
 .02093 
 .02398 
 
 .41819 
 .45162 
 
 50 
 
 10 
 
 10 6 
 
 .01025 
 
 .26040 
 
 
 49 
 
 2 14 
 
 9 
 
 .02736 
 
 .48439 
 
 
 15 
 
 12 7 
 
 .01131 
 
 .27976 
 
 
 54 
 
 3 1 
 
 9 
 
 .03088 
 
 .51463 
 
 
 20 
 
 1 5 2 
 
 .01258 
 
 .30170 
 
 
 
 
 
 
 
 
 25 
 
 1 8 2 
 
 .01409 
 
 .32609 
 
 55 
 
 10 
 
 1 1 
 
 3 
 
 .01064 
 
 .26763 
 
 
 30 
 
 1 11 9 
 
 .01587 
 
 .35283 
 
 
 15 
 
 1 3 
 
 6 
 
 .01174 
 
 .28743 
 
 
 35 
 
 1 15 11 
 
 .01797 
 
 .38157 
 
 
 20 
 
 1 6 
 
 2 
 
 .01308 
 
 .31007 
 
 
 40 
 
 2 9 
 
 .02038 
 
 .41157 
 
 
 25 
 
 1 9 
 
 5 
 
 .01470 
 
 .33552 
 
 
 45 
 
 2 6 1 
 
 .02303 
 
 .44166 
 
 
 30 
 
 1 13 
 
 4 
 
 .01665 
 
 .36380 
 
 
 50 
 
 2 11 8 
 
 .02583 
 
 .47008 
 
 
 35 
 40 
 
 1 18 
 
 2 3 
 
 
 6 
 
 .01900 
 .02177 
 
 .39474 
 .42783 
 
 51 
 
 11 
 
 1 1 1 
 
 .01053 
 
 .26562 
 
 
 45 
 
 2 10 
 
 
 
 .02502 
 
 .46207 
 
 
 16 
 
 1 3 3 
 
 .01164 
 
 .28558 
 
 
 50 
 
 2 17 
 
 2 
 
 .02859 
 
 .49542 
 
 
 21 
 
 1 5 11 
 
 .01297 
 
 .30820 
 
 
 55 
 
 3 4 
 
 8 
 
 .03233 
 
 .52612 
 
 
 26 
 
 1 9 1 
 
 .01456 
 
 .33334 
 
 
 
 
 
 
 
 
 31 
 
 1 12 11 
 
 .01644 
 
 .36089 
 
 56 
 
 11 
 
 1 1 
 
 10 
 
 .01092 
 
 .27273 
 
 
 36 
 
 1 17 4 
 
 .01865 
 
 .39046 
 
 
 16 
 
 1 4 
 
 2 
 
 .01208 
 
 .29315 
 
 
 41 
 
 2 2 5 
 
 .0212C 
 
 .42130 
 
 
 21 
 
 1 6 
 
 11 
 
 .01348 
 
 .31647 
 
 
 46 
 
 2 8 1 
 
 .02408 
 
 .45208 
 
 
 26 
 
 1 10 
 
 4 
 
 .01518 
 
 .34272 
 
 
 51 
 
 2 14 C 
 
 .0269£ 
 
 1 .48101 
 
 
 31 
 36 
 
 1 14 
 1 19 
 
 6 
 5 
 
 .01723 
 .01971 
 
 .37181 
 .40364 
 
 52 
 
 12 
 
 1 1 e 
 
 .01085 
 
 t .27092 
 
 
 41 
 
 2 5 
 
 4 
 
 .02266 
 
 .43764 
 
 
 17 
 
 1 4 C 
 
 ) .0119t 
 
 ) .29151 
 
 
 46 
 
 2 12 
 
 3 
 
 .02611 
 
 .47270 
 
TABXiS XVZZ, 
 
 LIFE ANNUITIES— LAST SURVIVOR. 
 
 Shewing the Single and Annual Premiums required to secure a Sum 
 payable at the extinction of the Last survivor of Two Assigned Lives 
 according to the combined experience of various Life Offices, reckoning 
 Interest at 3 per Cent. 
 
 Age. 
 
 A 
 
 nnual 
 
 Annual 
 
 Single 
 
 Age. 
 
 Annual 
 
 Annual 
 
 Single 
 
 
 
 Premium 
 per Cent. 
 
 Prem. 
 for £1. 
 
 Prem. 
 for £1. 
 
 
 Premium 
 per Cent. 
 
 Prem. 
 for £1. 
 
 Prem. 
 for £\. 
 
 Older. 
 
 Younger. 
 
 Older. 
 
 Younger. 
 
 56 
 
 51 
 
 2 
 
 19 
 
 10 
 
 .02991 
 
 .50664 
 
 61 
 
 16 
 
 1 4 
 
 11 
 
 .01246 
 
 .29962 
 
 
 56 
 
 3 
 
 7 
 
 9 
 
 .03387 
 
 .53771 
 
 
 21 
 26 
 
 I 7 
 1 10 
 
 10 
 5 
 
 .01392 
 .01571 
 
 .32344 
 .35043 
 
 57 
 
 12 
 
 
 2 
 
 5 
 
 .01121 
 
 .27792 
 
 
 31 
 
 1 15 
 
 10 
 
 .01790 
 
 .38072 
 
 
 17 
 
 
 4 
 
 10 
 
 .01242 
 
 .29897 
 
 
 36 
 
 2 1 
 
 2 
 
 .02060 
 
 .41425 
 
 
 22 
 
 
 7 
 
 9 
 
 .01389 
 
 .32300 
 
 
 41 
 
 2 7 
 
 10 
 
 .02390 
 
 .45082 
 
 
 27 
 
 
 11 
 
 4 
 
 .01568 
 
 .35003 
 
 
 46 
 
 2 15 
 
 10 
 
 .02792 
 
 '.48949 
 
 
 32 
 
 
 15 
 
 8 
 
 .01784 
 
 .37997 
 
 
 51 
 
 3 5 
 
 2 
 
 .03259 
 
 .52807 
 
 
 37 
 
 2 
 
 
 
 11 
 
 .02046 
 
 .41270 
 
 
 56 
 
 3 15 
 
 6 
 
 .03776 
 
 .56454 
 
 
 42 
 
 2 
 
 7 
 
 2 
 
 .02360 
 
 .44762 
 
 
 61 
 
 4 6 
 
 4 
 
 .04317 
 
 .59713 
 
 
 -47 
 
 2 
 
 14 
 
 6 
 
 .02726 
 
 .48349 
 
 
 
 
 
 
 
 
 52 
 
 3 
 
 2 
 
 7 
 
 .03130 
 
 .51800 
 
 62 
 
 12 
 
 1 3 
 
 1 
 
 .01153 
 
 .28377 
 
 
 57 
 
 3 
 
 11 
 
 
 
 .03551 
 
 .54942 
 
 
 17 
 22 
 
 1 5 
 
 I 8 
 
 7 
 
 8 
 
 .01279 
 .014.33 
 
 .30528 
 .32984 
 
 58 
 
 13 
 
 
 3 
 
 
 
 .01150 
 
 .28319 
 
 
 27 
 
 1 12 
 
 5 
 
 .01621 
 
 .35702 
 
 
 18 
 
 
 5 
 
 6 .01277 
 
 .30490 
 
 
 32 
 
 1 17 
 
 
 
 .01852 
 
 .38877 
 
 
 23 
 
 
 8 
 
 8 .014.32 
 
 .32966 
 
 
 37 
 
 2 2 
 
 9 
 
 .02136 
 
 .42325 
 
 
 28 
 
 
 12 
 
 5 .01620 
 
 .35748 
 
 
 42 
 
 2 9 
 
 9 
 
 .02489 
 
 .46082 
 
 
 33 
 
 
 16 
 
 11 
 
 .01848 
 
 .38829 
 
 
 47 
 
 2 18 
 
 4 
 
 .02916 
 
 .50034 
 
 
 38 
 
 2 
 
 2 
 
 6 
 
 .02126 
 
 .42198 
 
 
 52 
 
 3 8 
 
 3 
 
 .03412 
 
 .53955 
 
 
 43 
 
 2 
 
 9 
 
 2 
 
 .02458 
 
 .45782 
 
 
 57 
 
 3 19 
 
 3 
 
 .0.3962 
 
 .57643 
 
 
 48 
 
 2 
 
 16 
 
 11 .02848 
 
 .49443 
 
 
 62 
 
 4 10 
 
 10 
 
 .04540 
 
 .60922 
 
 
 53 
 
 2 
 
 5 
 
 6 .03277 
 
 .52946 
 
 
 
 
 
 
 
 
 58 
 
 3 
 
 14 
 
 6 
 
 .03725 
 
 .56121 
 
 63 
 
 13 
 18 
 
 1 3 
 
 1 6 
 
 8 
 4 
 
 .01183 
 .01315 
 
 .28887 
 .31105 
 
 59 
 
 14 
 
 
 3 
 
 7 
 
 .01181 
 
 .28858 
 
 
 23 
 
 1 9 
 
 6 
 
 .01476 
 
 .33035 
 
 
 19 
 
 
 6 
 
 3 
 
 01314 
 
 .31100 
 
 
 28 
 
 1 13 
 
 6 
 
 .01673 
 
 .36490 
 
 
 24 
 
 
 9 
 
 6 
 
 .01477 
 
 .33649 
 
 
 33 
 
 1 18 
 
 4 
 
 .01917 
 
 .39694 
 
 
 29 
 
 
 13 
 
 8 
 
 .01675 
 
 .36512 
 
 
 38 
 
 2 4 
 
 4 
 
 .02217 
 
 .43240 
 
 
 34 
 
 
 18 
 
 4.01916 
 
 .39681 
 
 
 43 
 
 2 11 
 
 10 
 
 .02592 
 
 .47095 
 
 
 39 
 
 2 
 
 4 
 
 2!. 02209 
 
 .43141 
 
 
 48 
 
 3 
 
 11 
 
 .03047 
 
 .51133 
 
 
 44 
 
 2 
 
 11 
 
 31.02564 
 
 .46825 
 
 
 53 
 
 3 11 
 
 6 
 
 .03575 
 
 .55108 
 
 
 49 
 
 2 
 
 19 
 
 6.02977 
 
 .50553 
 
 
 58 
 
 4 3 
 
 3 
 
 .04162 
 
 .58831 
 
 
 54 
 
 3 
 
 8 
 
 8 
 
 .03433 
 
 .54105 
 
 
 63 
 
 4 15 
 
 6 
 
 .04777 
 
 .62124 
 
 
 59 
 
 3 
 
 18 
 
 2 
 
 .03910 
 
 .57316 
 
 64: 
 
 14 
 
 1 4 
 
 3 
 
 .01213 
 
 .29409 
 
 60 
 
 10 
 
 
 1 
 
 11 
 
 .01098 
 
 .27381 
 
 
 19 
 
 1 7 
 
 
 
 .01351 
 
 .31693 
 
 
 15 
 
 
 4 
 
 3 
 
 .01213 
 
 .29406 
 
 
 24 
 
 1 10 
 
 5 
 
 .01520 
 
 .34295 
 
 
 20 
 
 
 7 
 
 1 
 
 .01352 
 
 .31717 
 
 
 29 
 
 1 14 
 
 7 
 
 .01728 
 
 .37237 
 
 
 25 
 
 
 10 
 
 6'. 01523 
 
 .34339 
 
 
 34 
 
 1 19 
 
 8 
 
 .01984 
 
 .40528 
 
 
 30 
 
 
 14 
 
 8.01731 
 
 .37283 
 
 
 39 
 
 2 6 
 
 1 
 
 .02304 
 
 .44172 
 
 
 35 
 
 
 19 
 
 9:. 01986 
 
 .40542 
 
 
 44 
 
 2 14 
 
 
 
 .02702 
 
 .48133 
 
 
 40 
 
 
 6 
 
 0'. 02298 
 
 .44102 
 
 
 49 
 
 3 3 
 
 9 
 
 .03185 
 
 .52239 
 
 
 45 
 
 •2 
 
 13 
 
 6 .02676 
 
 .47879 
 
 
 54 
 
 3 14 
 
 11 
 
 .03747 
 
 .56270 
 
 
 50 
 
 3 
 
 2 
 
 3 .03114 
 
 .51671 
 
 
 59 
 
 4 7 
 
 6 
 
 .043751.60034 1 
 
 
 55 
 
 3 
 
 12 
 
 .03598 
 
 .55274 
 
 
 64 
 
 5 
 
 7 
 
 .05030 
 
 .633341 
 
 
 60 
 
 4 
 
 2 
 
 2 .X)4107 
 
 .58511 
 
 
 
 
 
 
 
 
 
 
 
 
 
 65 
 
 10 
 
 1 2 
 
 6 
 
 .01126 .27888 
 
 61 
 
 11 
 
 1 
 
 2 
 
 6 .01125 
 
 .27873 
 
 
 15 
 
 1 14 
 
 11 
 
 .01245 .29940 
 
 
 
 
 
 
 
 I 
 
 
 
 
 
 
 
TA8LS XVXX. 
 
 LIFE ANNUITIES— LAST SURVIVOR. 
 
 Shewing the Single and Annual Premiums required to secure a Sum 
 payable at the extinction of the last Survivor of two Assigned Lives 
 according to the combined experience of various Life Offices, reckoning 
 Interest at 3 per Cent. 
 
 Age. 
 
 Annual 
 
 Annual 
 
 Single 
 
 Age. 
 
 Annual 
 
 Annual 
 
 S ingle 
 
 
 _ 
 
 Premium 
 per Cent. 
 
 Prem. 
 for £1. 
 
 Prem. 
 for£l. 
 
 
 Premium 
 per Cent. 
 
 Prem. 
 for £1. 
 
 Prem. 
 for jei. 
 
 Older, i Younger. 
 
 Older. 
 
 Younger, 
 
 65 
 
 20 
 
 1 7 
 
 9 
 
 .01389 
 
 .32295 
 
 68 
 
 18 
 
 1 6 
 
 11 
 
 .01344 
 
 .31583 
 
 
 25 
 
 1 11 
 
 4 
 
 .01566 
 
 .34971 
 
 
 23 
 
 1 10 
 
 2 
 
 .01510 
 
 .34153 
 
 
 30 
 
 1 15 
 
 8 
 
 .01785 
 
 .37994 
 
 
 28 
 
 1 14 
 
 3 
 
 .01714 
 
 .37068 
 
 
 35 
 
 2 1 
 
 1 
 
 .02055 
 
 .41376 
 
 
 33 
 
 1 19 
 
 5 
 
 .01970 
 
 .40350 
 
 
 40 
 
 2 7 
 
 11 
 
 .02395 
 
 .45124 
 
 
 38 
 
 2 5 
 
 10 
 
 .02291 
 
 .44024 
 
 
 45 
 
 2 16 
 
 4 
 
 .02818 
 
 .49182 
 
 
 43 
 
 2 13 
 
 11 
 
 .02697 
 
 .48078 
 
 
 50 
 
 3 6 
 
 7 
 
 .03331 
 
 .53357 
 
 
 48 
 
 3 4 
 
 2 
 
 .03207 
 
 .52405 
 
 
 55 
 
 3 18 
 
 7 
 
 .03931 
 
 .57442 
 
 
 53 
 
 3 16 
 
 6 
 
 .03824 
 
 .56772 
 
 
 60 
 
 4 12 
 
 
 
 .04600 
 
 .61233 
 
 
 58 
 
 4 11 
 
 
 
 .04552 
 
 .60983 
 
 
 65 
 
 5 6 
 
 
 
 .05300 
 
 .64537 
 
 
 63 
 68 
 
 5 7 
 
 6 4 
 
 5 
 5 
 
 .05369 
 .06219 
 
 .64830 
 .68107 
 
 66 
 
 11 
 
 1 3 
 
 1 
 
 .01153 
 
 .28363 
 
 
 
 
 
 
 
 
 16 
 
 1 5 
 
 6 
 
 .01276 
 
 .30476 
 
 69 
 
 14 
 
 I 4 
 
 9 
 
 .01239 
 
 .29839 
 
 
 21 
 
 1 8 
 
 7 
 
 .01428 
 
 .32903 
 
 
 19 
 
 1 7 
 
 7 
 
 .01380 
 
 .32154 
 
 
 26 
 
 1 12 
 
 3 
 
 .01613 
 
 .35655 
 
 
 24 
 
 1 11 
 
 3 
 
 .01554 
 
 .34796 
 
 
 31 
 
 1 16 
 
 10 
 
 .01843 
 
 .38764 
 
 
 29 
 
 1 15 
 
 5 
 
 .01769 
 
 .37792 
 
 
 36 
 
 2 2 
 
 7 
 
 .02130 
 
 .42244 
 
 
 34 
 
 2 
 
 9 
 
 .02037 
 
 .41163 
 
 
 41 
 
 2 9 
 
 10 
 
 .02490 
 
 .46091 
 
 
 39 
 
 2 7 
 
 6 
 
 .02377 
 
 .44937 
 
 
 46 
 
 2 18 
 
 10 
 
 .02941 
 
 .50244 
 
 
 44 
 
 2 16 
 
 2 
 
 .02809 
 
 .49102 
 
 
 51 
 
 3 9 
 
 9 
 
 03487 
 
 .54489 
 
 
 49 
 
 3 7 
 
 
 
 .03351 
 
 .53503 
 
 
 56 
 
 4 2 
 
 6 
 
 .04127 
 
 .58619 
 
 
 54 
 
 4 
 
 2 
 
 .04009 
 
 .57926 
 
 
 61 
 
 4 16 
 
 10 
 
 .04840 
 
 .62434 
 
 
 59 
 
 4 15 
 
 9 
 
 .04787 
 
 .62172 
 
 
 66 
 
 5 11 
 
 9 
 
 .05587 
 
 .65733 
 
 
 64 
 69 
 
 5 13 
 
 6 11 
 
 2 
 
 5 
 
 .05660 
 .06569 
 
 .66024 
 .69282 
 
 67 
 
 12 
 
 1 3 
 
 7 
 
 .01180 
 
 .28846 
 
 
 
 
 
 
 
 
 17 
 
 1 6 
 
 2 
 
 .01310 
 
 .31027 
 
 70 
 
 10 
 
 I 3 
 
 
 
 .01149 
 
 .28281 
 
 
 22 
 
 1 9 
 
 4 
 
 .01468 
 
 .33523 
 
 
 15 
 
 1 5 
 
 5 
 
 .01269 
 
 .30351 
 
 
 27 
 
 1 13 
 
 3 
 
 .01665 
 
 .36356 
 
 
 20 
 
 1 8 
 
 4 
 
 .01417 
 
 .32736 
 
 
 32 
 
 1 18 
 
 1 
 
 .01905 
 
 .39549 
 
 
 25 
 
 1 12 
 
 
 
 .01599 
 
 .35448 
 
 
 37 
 
 2 4 
 
 2 
 
 .02208 
 
 .43124 
 
 
 30 
 
 1 16 
 
 6 
 
 .01825 
 
 .38527 
 
 
 42 
 
 2 11 
 
 10 
 
 .02591 
 
 .47078 
 
 
 35 
 
 2 2 
 
 2 
 
 .02109 
 
 .41994 
 
 
 47 
 
 3 1 
 
 5 
 
 .03070 
 
 .51322 
 
 
 40 
 
 2 9 
 
 4 
 
 .02468 
 
 .45869 
 
 
 52 
 
 3 13 
 
 
 
 .03651 
 
 .55630 
 
 
 45 
 
 2 18 
 
 7 
 
 .02928 
 
 .50137 
 
 
 57 
 
 4 6 
 
 8 
 
 .04332 
 
 .59800 
 
 
 50 
 
 3 10 
 
 1 
 
 .03503 
 
 .54607 
 
 
 62 
 
 5 1 
 
 11 
 
 .05097 
 
 .63636 
 
 
 55 
 
 4 4 
 
 1 
 
 .042051.59082 
 
 
 67 
 
 5 17 
 
 11 
 
 .05894 
 
 .66929 
 
 
 60 
 65 
 
 5 
 5 19 
 
 9 
 5 
 
 .05036.63357 
 .05973'.67210 
 
 68 
 
 13 
 
 1 4 
 
 2 
 
 .01209 
 
 .29335 
 
 
 70 
 
 6 18 
 
 10 
 
 .06942 .70444 
 

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LEGAL DECISIONS 
 
 ON 
 
 LIFE ASSURANCE! 
 
 A DIGEST OF 
 
 ALL THE REPORTED CASES, 
 
 CHRONOLOGICALLY ARRANGED. 
 
 Ross versus Bradshaw. 
 
 Trinity Term, 17G1. 
 Concealment of circumstances on a life insurance is not so fatal if the 
 life be warranted good, as if it be a common insurance. " Where there is 
 a warranty, then nothing need be told ; but it must in general be proved, 
 if litigated, that the life was in fact a good one, and so it may be 
 though he have a particular infirmity. The only question is, whether 
 he was in a reasonably good state of health, and such a life as ought to 
 be insured on common terms."-— Lord Mansfield. 1. W. Black. 312. 
 See also on this pointy Willis versus Poole. 2 Park on Ins. 935. 
 
 Stackpole versus Simon. 
 
 Hilary Vac. 1779. 
 Where a Broker, who effected an insurance, told the Underwriters 
 that the person for whom he acted would not warrant, but he believed 
 the party to be a good life. Held, that the Underwriters were liable. 
 2 Park on Ins. 932. 
 
 Patterson versus Black. 
 
 Hilary Vac. 1780. 
 Where an insurance is made upon the life of a man who goes to sea, 
 and the ship in which he sailed is never afterwards heard of, the question 
 
whether he did or did not die within the term insured, is a fact for the 
 Jury to ascertain from the circumstances which shall be produced in 
 evidence before them. 2 Park on Ins. 920. 
 
 LocKYER versus Offley. 
 
 2Qth Maij,\im. 
 On an Insurance on a man's life for a year, if, some short time before 
 the expiration of the term, he receives a mortal wound, of which he 
 dies after the year, the insurer will not be liable. — 1. T. R. 260. — ■ 
 A supposed case by Willes, J. 
 
 DwYER versus Edie. 
 
 Hilarij Term, 1788. 
 The holder of a note given for money won at play, has not au insur- 
 able interest in the life of the maker of the note. 2 Park on Ins. 914. 
 
 TiDSWELL versus Ankerstein. 
 
 An executor in trust has a sufficient interest to enable him to make 
 assurance in his own name, on the life of a person who has granted an 
 annuity to the testator. Peahens N. P. 204. 
 
 Anderson versus Edie. 
 
 Trinity Term, 1795. 
 A bona fide creditor has such an interest in his debtor's life, that he 
 may insure it and recover upon the policy. 2 Park on Ins. 915. 
 
 AvESON versus Lord Kinnaird, and others. 
 
 Qth Feb. 1805. 
 In an action by the husband upon a policy of insurance on the life 
 of his wife, declarations by his wife, made by her when lying in bed, 
 apparently ill, stating the bad state of her health at the period of her 
 going to M. (whither she went a few days before in order to be exam- 
 ined by a surgeon, and to get a certificate from him of good health, 
 preparatory to making the insurance) down to that time, and her ap- 
 prehensions that she could not live ten days longer, by which time the 
 policy was to be returned, are admissible in evidence to shew her own 
 opinion, who best knew the fact of the ill state of her health at the time 
 of effecting the policy, which was on a day intervening between the 
 
time of her going to M. iind the day on whicli such decUirations were 
 made ; and particularly after the plaintiff had called the surgeon as a 
 witness to prove that she was in a good state of health when examined 
 by him at M., this judgment being formed, in part, from the satis- 
 factory answers given by her to his enquiries. 6 East, 188. 
 
 Holland, Executor of O'Hara, versws Smith, Executor of Kendrick. 
 
 4th March, 1806. 
 Where a policy of insurance has been effected on the life of a debtor, 
 as a security to the lender of money, and the lender charges the pre- 
 miums to the account of the debtor, who pays them, if the principal 
 is afterwards paid, the debtor, or his representative, is entitled to the 
 policy. 6 Esp. 11. 
 
 GoDSALL and others^ versus Boldero and others, Directors of the 
 Pelican Life Insurance Company, 
 
 2oth Nac.imi. 
 A Creditor may insure the life of his Debtor to the extent of his 
 debt; but such a contract is substantially a contract of indemnity 
 against the loss of the debt ; and therefore, if, after the death of the 
 debtor, his executors pay the debt to the insuring creditor, the latter 
 cannot afterwards recover upon the policy ; although the debtor died 
 insolvent, and the executors were furnished with the means of payment 
 by a third party. — 9 East, 72. 
 
 Want and others, versus Blunt and others, Directors of a Life 
 Assurance Society for the benefit of Widoios and Female Relatives. 
 
 l-2th Feb. 1810. 
 W here one, as a member of a Life Insurance Society for the benefit 
 of widows and female relatives, entered into a Policy of Insurance with 
 the society for a certain annuity to his widow after his death, in consi- 
 deration of a quarterly premium to be paid to the Society during his 
 life, and the Society covenanted with him and his executors, &c., that 
 if he should pay to their clerk the quarterly premiums on the quarter- 
 days during his life, and if he should also pay his proportion of contribu- 
 tions, which the members of the Society should, during his life, be called 
 on to make, in order to supply any deficiences in their funds, then, on 
 due proof of his death, the Society engaged to pay the annuity to his 
 widow ; and by the rules of the Society, if any member neglected to 
 
pay up the quarterly premiums for fifteen days after they were due, 
 the policy was declared to be void, unless the member (continuing in as 
 good health as when the policy expired) pay up the arrears within six 
 months, and five shillings per month extra : — Held, that a member 
 insuring, having died, leaving a quarterly payment over-due at the 
 time of his death, the policy expired ; and that a tender of the sum by 
 the member's executor, though made within fifteen days after it became 
 due, did not satisfy the requisition of the policy and the rules of the 
 Society which required such payment to be made by the member in 
 his lifetime, continuing in as good health as when the policy expired. — 
 12 Easty 183. 
 
 "Watson versus Mainwabing and others, Directors of the Equitable 
 
 Ir„surance Office. 
 
 6th May, 1813. 
 
 It is not to be concluded that a disorder with which a person is 
 afflicted before he effects an insurance on his life is a "disorder tending 
 to shorten life," within the meaning of the declaration required by the 
 Equitable Insurance Office, from the mere circumstance that he after- 
 wards dies of it, if it be not a disorder which generally has that 
 tendency. — 4 Taunt. 763. 
 
 HuGUENiN versus Raylby — the Albion Insurance Company. 
 
 6th May, 1815. 
 The conditions of a life insurance required a declaration of the state 
 of the health of the assured, and the policy was to be valid only if the 
 statement were to be free from all misrepresentation and reservation : 
 the declaration described the assured as resident at Fisherton Anger ; 
 she was then a prisoner in the county gaol there : — Held, that it was a 
 question for the Jury whether the imprisonment were a material fact, 
 and ought to have been communicated. — 6 Taunt., 186. 
 
 HiGGiNS versus Sakgent and others. 
 
 Nov. 1823. 
 Interest is not recoverable in an action of covenant upon a policy of 
 Assurance upon the life of A., by which a certain sum was made pay- 
 able six months after due proof of his death, although the money in- 
 sured was not paid at the time stipulated for that purpose. — 3 D. Sf JR. 
 613. 2 B. Si- C. 348. 
 
Maynard versus Rhodes. 
 
 SthNov.lB2A. 
 Where an insurance was efFected on the life of A. for the benefit of B., 
 and the Insurance Office acted upon A.'s own representation as to the 
 state of his health, and it turned out that he was not an insurable life:— 
 Held, that B. could not maintain an action on the policy, althou"-h he 
 was not privy to the representation. 5 Dowl. and Ryl 266, 1 C. and 
 P. 360. 
 
 Morrison versus Mustpratt. 
 
 ^\it January, 18-27. 
 A female upon whose life it was proposed to effect an insurance was 
 represented to the insurers, in December, 1822, by A., a medical man, 
 as enjoying^ ordinarilj', a good state of health. The same representa- 
 tion was repeated by A. in March, and the insurance was effected in 
 April, 1823. Between December, 1822, and March, 1823, she had 
 been ill with a pulmonary attack, and was attended by B. ; but no 
 disclosure of these circumstances was made to the insurers. In April, 
 1824, she died of a pulmonary disease : — Held, on motion for a new 
 trial, that the Jury ought to have been called on to consider whether 
 the illness in 1823, and the attendance of B., ought to have been dis- 
 closed to the insurers ; and that it was not sufficient to direct them 
 generally to consider whether or not there had been any misrepresenta- 
 tion.— 4 Bing, 60. 12 Moore, 231. 
 
 BoLLAND versus Disney, tlie Amicable Assurance Society. 
 
 2Ut May, 1827. 
 In the policies effected by the Amicable Society, there is no exception 
 as to death by the hands of justice. A person insuring his life in that 
 office afterwards suffered death for a criminal offence, the policy was 
 not thereby avoided. 3 Muss. 351. Bui see The Amicable Society App. 
 Bolland and others, Resp. page 6. 
 
 LiNDENAU versus Desborough, Secretary to the Atlas Insurance 
 
 Company, 
 
 \2th Nov. 1828. 
 If the assured, at the time of effecting the policy, conceals anything 
 material for the plaintiff to know, the policy is void ; and it matters 
 not whether or not the assured considered it material or.not ; and what 
 
6 
 
 amounts to a misrepresentation, or to a material concealment, is a 
 question for the Jury 5 the fact that, on a life policy, an unusually 
 high premium was paid, is quite immaterial, and therefore not to be 
 taken as a proof that the Office considered the party to be a bad life. — 
 3 31. Sc R., 45. 8 jB. ^ C. 586. 3 C. ^ P. 350. 
 
 Everett versus Desborough, Secretary to the Atlas Insura^ice 
 
 Company. 
 
 21th May, 1829. 
 
 1. — In an insurance upon the life of another, the life insured, if applied 
 to for information, is, in giving such information, impliedly the Agent 
 of the party insuring, who is bound by his statements, and must suffer 
 if they are false, although he is unacquainted with the life insured, and 
 the servant of the Insurance Office undertakes to do all that is required 
 by his Office. 2. — Plaintiff effected an insurance on the life of H, with 
 whom he was unacquainted, desired the Agent of the Insurance Office to 
 do all that was requisite. The Agent knew H well, and made the usual 
 inquiries. One of th e terms of the contract was, a reference to the usual 
 Medical Attendant of the life insured. H. having given a false refer- 
 ence : Held, that the Plaintiff could not recover. — 5 Bing, 503. M. 
 and P. 190. 
 
 The Amicable Society Appellants, James Bolland and others, 
 
 Respondents. 
 
 1830. 
 H. F. assures his life in January, 1815, and pays premiums regulary 
 till 1824. In June, 1815, H. F. commits a felony, of which he is con- 
 victed in October, 1824, and for which he is executed in Nov. 1824. 
 Bill filed in 1825, by the representatives of H. F., claiming under him 
 and in his right, for payment of the sum alleged to be due on the In- 
 surance, and decree in favour of the representatives : but the judgment 
 reversed by the Lords, on the ground, that, by the general policy of the 
 law, the insurance became void as to those claiming under and in right 
 of H. F., in consequence of the death being occasioned by his own crim- 
 inal act. 2 Dow and Clark, 1. 4 Bligh, N. S. 194. 
 
 Richard Halford versus Kymer ajid others. Directors of the 
 Asylum Life Insurance Company. 
 
 Uh May, 1830. 
 The stat. 14 Geo. 3, c. 48, s. 1, enacts that no insurance shall ha 
 
made on lives, or any other event, wherein the person for wliose bene- 
 fit the policy shall he made shall have no interest ; and that every such 
 assurance shall be void : and by s. 3, it is enacted that in all cases where 
 the insured hath interest in such life or event, no greater sum shall be 
 recovered or received from the insurers than the amount or value of the 
 interest of the insured in such life or other event. In order to render 
 a policy valid within the meaning of this Act, the party for whose be- 
 nefit it is effected must have a pecuniary interest in the life or event 
 insured ; and therefore a policj'^ eff'ected by a father on the life of his 
 son, he not having any pecuniary interest therein, is void. — 10 B. and 
 C. 724. 
 
 J. G. S. Lepevre and others^ Trustees of the Promoter Life Assurance 
 Company, versus Boyle. 
 
 \^th January, 1832. 
 A policy was effected by A. upon her own life with an Insurance 
 Company: it was by deed, executed by three Trustees of the 
 Company : A. afterwards assigned it to B. and died. The money due 
 on the policy was paid to B. by a check drawn by the Trustees on the 
 Bankers of the Company, and he gave an acknowledgment of having 
 received the money from the Trustees. By the deed of trust the Board 
 of Directors were to cause all monies belonging to the Company to be 
 deposited wdth the Bankers in the name of the Trustees, and such 
 monies were not to be withdrawn but for the purposes of the Compan j^, 
 and by checks signed by the Trustees, or by three or more Directors 
 under some authority to be given by the Trustees. After the payment 
 to B. it was discovered that the policy was void on account of fraud : — 
 Held, that, under the circumstances, the three Trustees were the proper 
 plaintiffs in an action to recover back the monev so paid to B. — 3 B, Sf 
 Add. ^11. 
 
 SwETE versus Fairlie, and another, — tJie Globe Insurance Office. 
 
 2Sth Feb, 1833. 
 A policy of insurance on the life of another person, who, at the time 
 of the insurance, is in a good state of health, is not vitiated by the non- 
 communication by such person of the fact of his having, a few years 
 before, been afflicted with a disorder tending to shorten life, if it ap- 
 pear that the disorder was of such a character as to prevent the party 
 from being conscious of what had happened to him while suffering 
 under it- 6 C- and P- 1. 
 
Dtjckett — the Provident Life Assurance Company — versus Williams 
 — the Hope Insurance Company. 
 
 Hilary Term, 1834. 
 Before effecting a policy of life insurance, a declaration and state- 
 ment of health, and freedom from disease, &c., was signed by the 
 assured. "By one clause it was stipulated that '• if any untrue averment 
 was contained therein, or if the facts required to be set forth in the 
 above proposal were not truly stated,'' the premiums were to be forfeited, 
 and the assurance to be void. Held, that as the health, &c. of the party 
 whose life was insured was untruly stated, though not to the knowledge 
 of the party making the declaration and statement, the premiums, &c. 
 were forfeited, and could not be recovered back. 2 Cramp, and Mees. 
 348 4 Tyr. 240. 
 
 Wainwright, Executor of Abercromhy, deceased, versus Bland 
 and others, three of the Directors of tlie Imperial Life Assurance 
 Company. 
 
 '2,1th June, 1835. 
 A party, on insuring her life, made false rei3resentations as to her 
 object in effecting the insurance, and also as to her having obtained 
 similar insurances from other offices, both of which facts were found by 
 the Jury at the trial to be material to be known by the Insurance Com- 
 pany. — Held, that the policy was thereby avoided, although such false 
 representations were in answer to parol inquiries not comprised in the list 
 of printed questions required by the regulations of the Office to be 
 asked of the assured ; and although the policy, as framed, was only to 
 be void on false answers being given to such printed questions. — 1 Tyr. 
 Sf Gr. 417. 1 Moody a)id Rob. 481. 
 
 Chattock versus Shawe and others, Directors of the Eagle Insurance 
 
 Company. 
 
 nth July, 1835. 
 Where a policy of insurance contains a warranty that the assured 
 ^' has not been afflicted with, nor subject to, gout, vertigo, fits," &c. 
 such warranty is not broken by the fact of the assured having had an 
 epileptic fit in consequence of an accident. To vacate such policy it 
 must be shown that the constitution of the assured was naturally liable 
 to fits, or by accident or otherwise had become so liable. — 1 Moody S^ 
 Bob. 498. 
 
9 
 
 HucKMAN versus Fernie, Managing Director of the British 
 Commei'cial Insurance Company. 
 
 Easter Term, 1838. 
 In an action on a Policy of Insurance effected by the plaintiff on the 
 life of his wife, the declaration averred that the plaintiff had made 
 statements (inter alia) that the wife was not afflicted with any disorder 
 which tended to shorten life, and that she had led, and continued to lead, 
 a temperate life. The defendant pleaded, that before the making of 
 the policy, and on divers times after that day, the wife had been, and 
 w^as afflicted with certain disorders, maladies or diseases— to wit, deli- 
 rium tremens and erysipelatous inflammation of the legs, all which the 
 plaintiff before, and at the time of making the policy, well knew. It ap- 
 peared that at the time the policy was effected, the wife had been 
 examined at the Insurance OfHce, and answered several questions put 
 to her, but did not apprise the Company of her having been affected 
 with those complaints. Tbe Jury found that the plaintiff had not any 
 knowledge of her having had these disorders -.—Held, that upon the 
 issue raised on these pleadings, the wife not being the general agent 
 of the husband to effect the policy, but only sent to answer particular 
 questions, her knowledge was not in this respect the knowledge of the 
 husband. The wife had for several years been attended by A. B. up to 
 her marriage with the plaintiff, and nearly to the time the policy was 
 effected. After her marriage C. D., the medical attender of her husband's 
 family, prescribed for her for a cold, or some trifling matter. In 
 answer to the question put to her at the Ofiice, " who is your usual 
 medical attendant," she replied, C. D.:— Held, that the learned Judge 
 ought not to have left it to the Jury, on this evidence, to say which of 
 the two was her usual medical attendant, but whether C. D. could be 
 called her usual medical attendant at all. 3 Meeson 6f Welsby, 505. 
 
 Rawlins, a Director of the Eagle Insurance Company, versus 
 Desborough, Secretary to the Atlas Assurance Company. 
 
 26th Feb. 1840. 
 1. A party whose life is insured, is not the general agent for the assur- 
 ed: and therefore the policy is not void by reason that such party failed 
 to communicate a material fact, as to which he was not interrogated by 
 the insurers, unless he was aware of the materiality of the fact and 
 
10 
 
 studiously concealed it. 2. It is a question of fact for the Jury whether 
 a fact, not communicated, was, under the circumstances, one which the 
 assured ought to have communicated. — 2 Moody S^ Rob, 328, 
 
 Craig, Bart, versus Fenn and others — the Asylum Life Insurance 
 
 Company. 
 
 WthBec. 1841. 
 In an action against an Insurance Office on a life policy, it is no ob- 
 jection to a Special Juror being sworn, that he is a director of another 
 insurance office, unless that office has granted a policy on the life in 
 question, and the amount of that policy be unpaid . 1 Carrand Marsh 
 43. 
 
 SouTHCOMBE versus Merriman, and others, Direcwrs of 
 
 Life Insurance Company. 
 
 nth March, 1842. 
 Ill an action to recover the amount of a policy upon a life insurance, 
 where the rules of the society stipulate that the insured shall be of 
 sober and temperate habits, it is sufficient, on a plea denying the sober 
 and temperate habits of the insured, for the defendants to shew that his 
 habits were intemperate ; and it is no answer to this plea, that the 
 plaintiff prove the intemperance not to have been to such a degree as to 
 injure the health of the insured, or to shorten his life. 1 Carr and 
 Mar. 286. ^^^ 
 
 Jones and Caisston, Printers, 47, Eastcheap, London. 
 
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