UC-NRLF ^iliillllilillllllll $C 3D m? THE Mortal] IF IliE. Life 1 .^- Ss^\ \ \ ^ ^ *«■ ^^\^ M K ^ m §L ^'^ V -•■■ o , - ,■*; *v '" C* ^ ^U ^ GIFT OF X / ,-^ Mortality Experience OF THE Connecticut Mutual Life Insurance Company, OF HARTFORD, CONN., From 1846 to 1878. « O 3 « Hartford, Conn., 1884. %1 ^^> CONKECTICUT MuTUAL LiFE INSURANCE CoMPANY, Haetfoed, August 31, 1883. Jacob L. Geeene, President, Dew Sir: I submit lierewitli the results thus far deduced from the analysis of the mortality experience of this company. Some of these results are of very great interest and value. The facts are given in the tables submitted; the text is intended to call attention to the more important results, and as an explanation of the tables, rather than as a complete discussion of the facts. You are already familiar with the general scope of the work. It was begun by your direction, and its general range has been deter- mined in consultation with you. The clerical work has been done by those to whom it was intrusted cheerfully, carefully, and well. The value of the results obtained is an ample return for the care and labor involved in the undertaking. Very respectfully, D. H. WELLS, Actuary. 285377 INDEX TO TABLES. MALE LIVES. Pajes. I. By Years of Insurance and Ages at Exposure, . . 22-37 II. (a) By Groups of Ages and of Years of Insurance, . 38 (b) By Years of Insurance, . . . .39 III. By Ages at Exposure, witli Probable Deaths by Standard Tables, . . . . . . 40-41 IV. Summary of Table III by Groups of Ages, witli Ratios of Actual to Probable Deaths, . . . .42 V. Insured under Premium-paying Life and Endowment Poli- cies, by Groups of Ages, . . . .43 VI. Insured under Paid-up Policies issued in lieu of Policies Surrendered, by Groups of Ages, . . .44 VII. Insured under Term Policies, by Groups of Ages, . 45 ^III. Insured under Premium-paying Life and Endowment Policies : (a) By Groups of Ages and of Years of Insurance, . 46 (b) By Years of Insurance, . . . .47 IX. Insured under Paid-up Policies issued in lieu of Policies Surrendered : (a) By Groups of Ages and of Years of Insurance, . 48 (b) By Years of Insurance, . . . .49 X. Insured under Tenn Policies, by Groups of Ages and of Years of Insurance, ..... 50 XL Classified by Country of Birth, .... 51-53 XII. Classified by Occupation, ..... 54-56 XIII. Classified by Occupation, by Groups of Ages, . . 57 INDEX. — Continued. XIV. XV. XVI. XVII. XVIII. FEMALE LIVES. By Ages at Exposure, ..... By Groups of Ages and of Years of Insurance, Insured under Premium-paying Life and Endowment Policies, by Groups of Ages and of Years of Insurance, ...... Insured under Paid-up Policies issued in lieu of Poli- cies Surrendered, by Groups of Ages and of Years of Insurance, ..... Insured under Term Policies, by "Groups of Ages, ftges. 68 69 60 61 61 POLICIES ISSUED AND AMOUNTS INSDEED ON MALE LIVES. XIX. By Ages at Exposure, ..... 62-63 XX. Summary of Table XIX by Groups of Ages, . . 64 XXI. Premium-paying Life and Endowment Policies, by Groups of Ages, . . . . .65 XXII. Premium-paying Life Policies, by Groups of Ages, . 66 XXIII. Premium-paying Endowment Policies, by Groups of Ages, 67 XXIV. Paid-up Policies issued in lieu of Policies Surrendered, by Groups of Ages, . . . .68 XXV. Term Policies, by Groups of Ages, . . .69 XXVI. Premium-paying Life Policies : (a) By Groups of Ages and of Years of Insurance, 70 (b) By Years of Insurance, . . . .71 XXVII. Premium-paying Endowment Policies : (a) By Groups of Ages and of Years of Insurance, 72 (b) By Years of Insurance, . . . .73 XXVni. Paid-up Policies issued in lieu of Policies Surrendered : (a) By Groups of Ages and of Years of Insurance, 74 (b) By Years of Insurance, . . . .75 XXIX. Term Policies : (a) By Groups of Ages and of Years of Insurance, 76 (b) By Years of Insurance, . . . .77 INDEX. — Continued. POLIOIES ISSUED AHD AMOUBTS MSTJEED ON FEMALE LIYES. Fagm. XXX. Premium-paying Life Policies, by Groups of Ages, 78 XXXI. Premium-paying Endowment Policies, by Groups of Ages, ...... 79 XXXII. Paid-up Policies issued in lieu of Policies Surrendered, by Groups of Ages, . . . .80 XXXIII. Term Policies, by Groups of Ages, . . .81 DISOOUTINIIED PEEMIUM-PAYDTa POUOEES AND AMOUNTS ON MALE LIVES. 82 83 by Groups of 84 XXXIV. Life Policies, . XXXV. Endowment Policies, . XXXVL Life Policies, per cent. Discontinued Years of Issue, XXXVII. Endowment Policies, per cent. Discontinued, by Groups of Years of Issue, . . .85 DL&GEAMS. L Mortality Curves by Standard Tables, and the Com- pany's Experience, . . . .87 II. The Company's Experience Compared with Standard Mortality Tables, ..... 89 IIL The Company's Experience compared with the Ratio of the Actual to the Expected Mortality by Standard Mortality Tables, . . .91 MORTALITY EXPEEIE:^^rCE OF THE CONNECTICUT MUTUAL Life Insueanoe CoMPAmr. The following results have been, obtained by a careful analysis of the mortality experience of The Connecticut Mutual Life Insub- ANCE Company from the commencement of its business to the year 1878: the observations being carried to the anniversaries of the issue of each policy in that year, or to their termination if prior. A brief statement of the methods employed will be of service in making clear the exact bearing of the results obtained, and the de- gree of confidence to which they are entitled. It will also be of interest as indicating any variations from the methods more commonly used. Cards were prepared giving the number, amount, kind, date of issue, date of expiry, mode of expiry, and duration of each policy, the name, sex, residence, occupation, place of birth, date of birth, and age when insured of the person insured thereby, and the numbers of any other policies on the same life. In case of joint life policies a card was filled out for each life. In case of policies which had been reduced or increased, the amount of the insurance was divided and treated as if it had been given under separate policies, which had been terminated or issued at different times. If a policy was changed in plan, as from life to endowment, or the reverse, it was treated as if surrendered and a new policy issued. The data for the cards were obtained, so far as therein con- tained, from the original applications. The date and mode of expiry were obtained from the company's registers. The age when insured. to the nearest year, was obtained by deducting the date of birth from the date of issue of the policy, and checked by comparison with the age as entered on the company's registers. The duration of the policy was obtained by a comparison of the dates of issue and expiry, if expired, and by subtracting the year of issue from 1878 if still in force. In case of policies which had expired by the death of the insured, any fraction of time in excess of whole j^ears was counted as a year. In case of Joint policies this was done only on the card representing the life deceased. In all other cases the duration was taken to the nearest year. In case of policies with premiums payable in fractional installments, which lapsed midway of the policy year, the half year was alternately added to and dropped from the dura- tion. As the company, except in very rare instances, does not accept the surrender of a policy until after lapse, and as policy years were exclusively used and the observations on existing policies were carried to the annivei-sary of the policy, there were no other fractional parts of a year of any practical consequence to be provided for. After the cards had been written, they were all carefully re- viewed, both with the applications and registers. They were then classified, in the usual way, and the classes reviewed to guard against errors of classification. The cards of each class were then twice counted and the amount insured twice footed, and the results tabu- lated. In order to obtain results by lives, both under different classes of policies and as a whole, all the cards were now grouped into six classes, the classification being by sex and kind, viz. : 1st. Premium-paying life and endowment policies, including poli- cies paid up by term; 2d. Paid-up policies issued in lieu of policies surrendered ; and 3d. Term policies. The cards in each of these classes were then arranged by date of birth, and all those of the same date of birth carefully compared as to names. At the same time careful attention was given to the memoranda indicating other insurances on the same life. If two or more cards were found in the same class representing policies upon the same life, if the policies were not connected in time so as to make a continuous insurance, they were treated as if upon different lives; if ttey constituted a continuous insurance, the card was selected wMch carried the insurance to the latest date, and on this card were noted, in addition to the previous entries, the occupa- tion as given on the other card or cards, the earliest date of entry and the corresponding age, and the duration, to the nearest year, of the entire continuous insurance. The cards so included in others were then thrown out. The remaining cards representing policies of the three different classes upon lives of the same sex were next compared and combined in like manner, the additional entries being made in additional spaces. The cards thus included in others of a different class were then marked and replaced in their respective classes. In combining the cards representing policies of different classes, the insurance under a paid-up policy issued in lieu of a policy surrendered was treated as dating from the time the original policy ceased. In thus comparing cards representing different policies on the same life, many cases were found in which the date of birth as stated in the different applications varied. If the life was still in- sured, inquiry was made by letter as to the correct date of birth, and the proper correction made. If no policy remained in force on the life, the date of birth as given in the application for the earliest policy was used in combining the cards. The cards representing each class of policies were then distributed and the results tabulated. As always, the cards were carefully re- viewed after being distributed in order to detect any error in dis- tributing, and the tables were checked by a second counting of the cards. After these last results were tabulated, all cards marked as included in others were rejected, and the remaining cards representing policies on lives of the same sex were redistributed and the results tabulated without regard to class of policy. The use of policy years instead of calendar years is believed to afford better facilities for the study of the question of selection, whether by the company at the inception of the contract, or by the insured in the after exercise of the option of continuing or discon- tinuing it. It avoids also the disadvantage of dealing vrith a fraction of a year at the beginning of the observation, a fractional age at the beginning of the following calendar year, and a fraction of a year at the close of the discontinued insurances. In the bringing together of cards representing insurance on the same life, the arrangement by dates of birth, instead of the usual alphabetical arrangement by names, was a great saving of labor, and it is believed contributed largely to accuracy; the indistinctness with which names are often written, and the unavoidable errors in copying such a number of them, together with changes, especially in names of females, making an alphabetical arrangement difficult and unsatisfac- tory. The addition of necessary changes on an existing card, instead of writing a new card or envelope, also saved much labor. In the reduction of the observations, a series of checks was used which is believed to have rendered certain the detection of any error. A comparison of the results given in the accompanying tables shows a slight discrepancy between the table of male lives classified by occupation and the other tables of male lives. This discrepancy is due to some error in reclassifying the cards or recording the results by occupations, an error almost unavoidable in handling such a num- ber of cards, and was so small that it was not considered worth while to attempt to correct it when discovered on footing and summarizing the tables. No other discrepancies are believed to exist, except such as arise inevitably from the use of a limited number of decimal places in the probable deaths and losses. The analysis includes all policies issued prior to January 1, 1878, except 1420 small policies issued in lieu of cash dividends, which were omitted because they added no new lives, and being for small amounts would not have perceptibly varied the results by amounts. As regards males, the observations included 97,790 lives, covering 780,353 years of exposure, with 8,746 deaths; 125,655 policies, cover- ing 867,197 years of exposure, with 9,890 terminations by death; $354,902,195 of insurance, covering $2,482,744,385 of exposure, and a loss of $28,793,725 by death. As regards females, there were included 7,452 lives, covering 62,680 years of insurance, witli 756 deaths; 8,528 policies, covering 63,914 years of exposure, witli 777 terminations by death; $17,575,404 of insurance, covering $131,962,559 of exposure, with a loss of $1,- 570,951 by death. All cases in which anything was paid on account of a policy after the death of the insured, or in which suit was brought to en- force payment, are included among the deaths, and for the full amount of the policy. Table I gives the observations on male lives in a form permit- ting of any desired combinations of ages or years of insurance. Table II presents the same facts summed up (a) by groups of ages and of years of insurance, and (b) by years of insurance irre- spective of age, with the addition of the probable deaths by the American Table and the ratio of the actual deaths to the probable deaths. We shall refer to this table again later. J Table III exhibits the mortality experience of the company as 7 regards male lives, age by age, and gives, side by side with the ac- / tual deaths at each age, the probable deaths as determined by four n of the most prominent mortality tables based upon insured lives : two / American — the American Table and the Thirty American Offices' Table ; and two English — ^the Combined Experience Table and the H^. Table. A graphic representation of these tables and of the Company's experience, / age by age, both as regards male and female lives, is given in Diagram I. While this table exhibits at all the ordinary ages of insured life, say from 20 to 70, a very good degree of regularity in the death rate, the irregularities are sufficient to interfere seriously with any direct general comparisons, or the deduction of any exact general conclu- sions. In order to eliminate, in part, the irregularities which attach to the experience at individual ages, the results were combined in groups of five ages, and the results are given in Table IV. The ratio of the actual to the probable deaths by each of the four tables was also computed for each group of ages and added to the table. In- spection of the table shows that the mortality among the male lives insured by the company has been only 84.6 per cent, of that given by the American Table, 87.3 per cent, of that given by the Thirty American Offices' Table, 77.8 per cent, of that given by tte Combined Experience Table, and 80.0 per cent, of that given by the H^. Table. Comparing the ratios for different groups of ages with the ratios of the totals, table by table, we find that the experience of the company runs more nearly parallel to the American Table than to either of the others ; notably nearer than to the English Tables. Thus, the series of ratios obtained by comparing the actual mortality in these groups with the probable as given by the different tables, crosses the ratios of the totals by the same tables, in the case of the American Table, seven times; of the Thirty American Offices' Table, five times; of the Combined Experience Table and H^. Table, twice each. Again, the arithmetical sum of the differences between the ratios of the totals and the ratios for the individual groups are in case of The American Table. Thirty American Offices' Table. Combined Experience Table. H". Table. For all ages, 1.226 1.540 1.550 2.301 Ages 26-90, .555 .562 .586 .690 Ages 26-70, .170 .294 .262 .421 The relation of the Company's experience, as given in Table IV, to each of these tables and also to the average (ratio of the total actual to the total tabular) mortality by each table is shown graphically in Diagram II. The tables are represented by the heavy horizontal lines taken as 100, and the average mortality by the parallel broken and dotted lines. The ratios of the actual to the tabular mortality by groups of ages are laid off on vertical lines, and the points so found connected by broken lines. The more nearly the broken lines so drawn approach towards coincidence with the broken and dotted lines, the more nearly the Company's experience approaches parallelism with the table. The separate representations of the Company's experience as com- pared with each of the four tables, given in Diagram II, are superimposed and form Diagram III. The average mortality by each table successively was taken as 100, and the ratio of the actual to the tabular mortality by that table for each group of ages being increased in the same ratio, the results were laid off as ordinates, and the points so found connected by distinctive broken lines. The nearer approach of the full bi'oken line towards coincidence with the line representing the average mortality indicates the closer parallelism between the Company's experience and the American Table. The pubKshed experience of the Mutual Life, and also of the Mutual Benefit Life, shows the same general result. Their mortality runs fairly parallel to the American Table, while the rate given by the English Tables is relatively much higher at the middle ages than at the extremes of the table. This seems to indicate a variation in the law of mortality as operating upon American and English insured lives. The mortality of the group of ages 7-20, as shown by the table, is very heavy. The ratio of actual to expected for the following group, 21-25, is also greater than for any later group. This exces- sive mortality is partially accounted for by the mortality under term policies as exhibited in Table VII. If we deduct the actual and probable deaths under term policies, as given in Table VII, from the corresponding entries in Table IV, the ratio of actual to probable deaths by the American Table for ages 7-20 is reduced to 1.123, and for ages 21-25 to .859. In addition to the causes operating upon term policies, which will be referred to later, there is a moral hazard in the insurance, under ordinary forms of policies, of lives which can, in general, have no present money value, in that there will naturally be a tendency to a selection against the company, which the most careful medical selection will scarcely wholly prevent. " Children's Endowment Poli- cies," as issued by some companies, which provide onl}' for the return of the premiums paid in case of death, avoid this hazard, but are not in any true sense life insurance policies, but only a method of accu- mulation. The experience of the company, as regards male lives, runs so nearly paralled to the American Table, that for practical purposes comparisons with that table are preferable to comparisons wdth an adjusted table of the company's experience, and hence in all the fol- lowing tables tte American Table of Mortality has been taken as a standard of comparison. Table XX gives the same facts, in part, as regards policies issued and amounts insured on male lives, as are given in Table IV regard- ing the lives. Comparing the two tables, we find the proportion of loss by policies to be slightly in excess of that by lives, and the loss by amounts to be somewhat larger still. The ratios of loss to ex- posure stand, for lives .01121; for policies .01141; for amounts .01157. In like manner the ratios of actual loss to the probable loss by the American Table stand, for lives .846; for policies .856; for amounts 879. Comparing the ratios of actual to probable loss by groups of ages, we find no very considerable variation between the ratios for lives and policies. The groups 7-20, 21-25, 41-45, and 86-90 give a slightly smaller ratio for policies than for lives; the remaining groups the reverse. The greatest differences are found, in the groups 56-75, for which the average excess of the ratios for policies over the ratios for lives is .027. The losses by amounts do not run so nearly parallel to the American Table as do the losses by lives and by policies. In this regard, as to amounts, there seems to be but very little choice be- tween the four tables with which the losses by lives were compared. Comparing the ratios of actual to probable loss for policies and amounts, we find the ratios for policies to be the greater for the first four groups, 7-35, notably so for the first two groups, 7-25, and the less for the following eight groups, 36-75. The excess of loss by amounts is especially noticeable for the ages 56-70, and is even more striking when we compare the losses by lives and amounts. The ratios of loss to exposures for lives and for amounts are proportional to the ratios of the average amounts insured on the lives exposed and on the lives deceased. That is, Lives Deceased . Amount Lost . . Amount Exposed . Amount Lost. Lives Exposed . Amount Exposed . . Lives Exposed . Lives Deceased. The corresponding relation holds good as between lives and policies, and policies and amounts. The ratios of actual to probable loss are in the same proportion when only single ages are considered, or 9 groups of ages for whicli the same ratio of amounts to lives, policies to lives, or amounts to policies, as tlie case may be, holds for all the ages comprised in the group. A comparison of the ratios of losses by lives and by amounts to the exposures, shows then at once that at certain ages an undue pro- portion of the deaths fell among those insured for smaller amounts, while at other ages the deaths fell largely among heavier insurers. For example, for ages 7—20 the average amount insured on each life exposed was $2,304.10, while on the lives deceased it was only $1,895.10; while for ages 66-70 the average amount insured on lives exposed was $2,827.67, while on lives deceased it was $3,248.65. That this could have been the result of a mere chance seems improb- able when we consider the extent of the experience from which the results are deduced, and even more when we note the uniformity of the results age by age. Thus, comparing Tables III and XIX, we find that for ages under 30 the ratio of loss to exposure by lives ex- ceeds that by amounts for sixteen ages, and is less for one age only; while for the fifteen ages, 56-70, the ratio of loss by amounts is in excess for fourteen ages, and less for only one age. A part of the difference at the early ages is due to the excessive death-rate under term policies, which were mostly for small amounts. The results at some other ages are aifected by the losses under paid-up policies. If, however, we compare Tables V and XXI, which include only pre- mium-paying life and endowment insurance, we shall still find con- siderable diiferences in the one direction for ages 7-25 and in the other direction for ages 56-75. These results suggest the question whether those who insure for large amounts, — often, perhaps generally, men of good incomes and living well, but involved in the cares and burdened with the respon- sibilities of great business enterprises, — are more liable than other men to break down and die at about these latter ages. Tables V, VI, and VII exhibit the mortality experience of the company as regards male lives insured under premium-paying life and endowment policies (including policies paid-up by term), paid-up policies issued in lieu of policies surrendered, and term policies, respectively 10 The deaths under premium-paying life and endowment policies were 84.4 per cent, of the expected deaths, the rate at the different ages running fairly parallel with the table. Compared with Table IV, the only striking variation is in the rate at ages 7-20 and 21-25, due to the exclusion of term policies as before pointed out. The results by policies and amounts, as given in Table XXI, do not differ mate- rially, except as before noticed, from the results by lives. Comparing the results as regards premium-paying life policies. Table XXII, with the results as regards premium-paying endowment policies, Table XXIII, we find a large difference in the ratios of ac- tual to probable loss in favor of the endowments. As regards poli- cies, the ratios are .870 and .607 ; as regards amounts, .893 and .635. This shows either a greater ability on the part of men apparently in good health and considered as desirable risks to estimate their own relative chances of life — a greater power of selection by the individual — ^than has generally been believed possible; or, otherwise, that those whose circumstances are such as to permit of the taking of endow- ment insurance have by far the best chance of long life. The deaths under paid-up policies issued in lieu of policies sur- rendered were 80 per cent, of the expected deaths. The rate from 7-50 is 84.7 per cent., or slightly above that of premium-paying poli- cies, as against 74 per cent, for the ages 51-85, indicating, perhaps, a more decided selection against the company at the older ages. The losses by policies and amounts, as given in Table XXIV, are 80.2 and 99.1 per cent, of the probable losses respectively. The loss by policies scarcely differs as a whole from the loss by lives. The greater loss by amounts, indicating that an undue proportion of the deaths fell among the holders of the larger paid-up policies, is proba- bly due to the fact that the larger policies were more generally issued in lieu of limited premium life and endowment policies, and that, owing to the larger premiums, these policies were more often surrendered as a matter of necessity. Possibly the same cause may have contributed somewhat to produce the small ratio of loss under premium-paying endowment policies before noted. The lower ratio of actual to probable deaths under paid-up poll- 11 cies as compared mth premium-paying policies, indicates a selection against the company by tlie withdrawal of lives of more than average vitality ; the greater ratio by amounts indicates an additional money loss due to the disproportional distribution of the deaths among large and small policies. The ratio of actual to probable deaths among male lives insured under term policies, as shown by Table VII, is 1,745, or more than twice as great as among male lives insured under other forms of policies, or as a whole. This is due in great part to the fact that these policies were largely taken to cover special risks ; especially on the lives of persons going to California to engage in gold-mining in 1849 and the years succeeding. The excessive mortality at the ages under 25, and especially under 20, is probably due to the immaturity of the lives and their consequent inability to endure the unusual strain put upon them. The same cause may also have operated to increase somewhat the mortality under premium-paying life and endow- ment policies, especially at the younger ages. Table XXV exhibits the company's experience under term policies by policies and amounts. The ratio of actual to probable for amounts, 1.394, is considerably less than for lives and policies, but still very heavy, especially at the younger ages. It does not follow from the high mortality experienced under term policies that the business resulted in a money loss to the company. The extra premium required for permits covering risks not covered by the policy contract, amounting in the year 1851 to over $38,000, and in the course of the company's business to over $500,000, a considerable share of which in the earlier years of the company's history was received from term policies, would probably more than offset the increased mortality. The table furnishes, however, a good illustration of the fact that there are special risks to be incuired under life insurance policies, and a warning against the folly^ of re- moving all restrictions upon such risks. Such risks, especially if temporary, always have sought and always will seek the cheapest in- surance obtainable, and will gravitate to the company taking them at ordinary rates, rather than to a company charging a sufficient extra 12 premium; and quite possibly in sufficient numbers to cause serious loss. A careful analysis of the company's experience under policies in- volving special risks would have afforded veiy interesting and valuable results; but the labor involved was so great as to render such an in- vestigation impracticable. Turning now to the question of the effect of the duration of the insurance upon the mortality, Table II, including all male lives, and Table VIII, including only male lives insured under premium-paying life and endowment policies, tell essentially the same story. The ratio of actual to expected deaths for all ages for the five combined years of insurance, from the 6th to the 10th inclusive, exceeds the ratio of the subsequent years combined; and of these five years, the ratio for the 6th year of insurance is the greatest, it exceeding the ratio for each of the other years, except the 17th, 24th, 30th, 31st, and 32d. If we examine the groups of ages separately, we shall find that, in general, the ratios taken for groups of five years continue to increase to later years; the group 51-60 being an exception and having suffi- cient weight to determine the result in the summary of all ages. To elucidate this further the following table was prepared. It is deduced from Table II, including all male lives. Ratio of actual to probable deaths by the American Table, for the years of insurance stated : Ages at Death. 1-32 6-32 11-32 16-32 21-32 26-32 7-20 1.399 .493 21-30 .869 1.107 1.617 31-40 .831 .914 1.010 .844 1.266 41-50 -841 ,888 .925 .933 .908 .962 51-60 863 .870 .806 .870 .796 .762 61-70 .837 .856 .878 .877 .899 .786 71-80 .813 .814 .822 .846 .901 .959 81-90 .785 .750 .727 .629 Al! .846 .880 .868 .872 .862 .815 13 The column headed 1-32 shows the ratios of actual to probable deaths for the whole thirty-two years of insurance combined; the next gives the ratios obtained after excluding the first five years of insurance; the third after excluding the first ten years of insurance; etc. It will be noted that, taking all ages together, the highest ratio is obtained after excluding the first five years only, although this is not true of single groups of ages. Tables XXVI and XXVII, which show the losses by policies and amounts under premium-paying life and premium-paying endow ment policies respectively by years of insurance, exhibit no new facts deserving of special attention. Combining the two and reducing the results to the form of the table for lives given above we obtain the following tables, which are interesting for purposes of comparison. Ratio of actual to probable number of premium-paying life and endowment policies ceased by death for the years of insurance stated: Ages at Death. 1-32 6-32 11-32 16-32 21-32 26-32 7-20 1.U6 .575 21-30 822 1.199 1.732 31-40 .830 .948 1.071 .895 1.316 41-50 .834 .896 .919 .949 .943 1.014 51-60 .879 .905 .829 .881 .817 .807 61-70 .878 .908 ,897 .908 .911 .779 71-80 .840 .842 .846 .861 .930 .942 81-90 .726 .692 .670 .624 All .850 .909 .883 .889 .877 .817 14 Ratio of actual to probable losses by death under premium-pay- ing life and endowment policies for tte years of insurance stated ; Ages at Death. 1-32 6.32 11-32 16-32 21-32 26-32 7-20 LOGO .641 21-30 .812 1.288 2.077 31-40 .847 .951 1.064 .706 1.550 41-50 .852 .940 .964 1.052 .972 .928 51-60 .916 .941 .858 .955 .899 .848 61-70 .933 .987 .959 .973 1.012 .830 71-80 .833 .837 .853 .884 .976 1.014 81-90 .741 .716 .639 .649 AU .875 .951 .922 .954 .953 .868 Turning to Table IX, we find that in case of male lives insured under paid-up policies issued in lieu of policies surrendered, taken either as a whole or by groups of ages, (with a single exception,) the ratio of actual to probable deaths is greater for the first five years than for the remaining years. The single exception is the group of ages 51-60, for which the ratio for the first five years is .781 and for all years combined .783. The mortality as a whole is 80 per cent, of the probable mortality by the American Table, against a mortality of 84.4 per cent, in case of premium-paying policies, and decreases with the passing of each successive year of insurance until we reach the ninth year; the percentages obtained, first by including all years and then excluding successive years until we have excluded the firat ten, being 80.0—79.4—78.9—78.0—72.2—70.9—64.1—54.8—53.6—60.2— 27.4. The probable explanation of the greater mortality in the earlier years seems to be that while, as a whole, those who withdraw and take paid-up insurance are somewhat better lives than those who continue their insurance, a sufficient number of diseased lives also withdraw, from financial necessity or otherwise, to raise the mor- tality during the earlier years to nearly the average mortality under premium-paying policies : and that as these lives are weeded out 15 by death, the effect of the better lives becomes more and more apparent. The ratios of actual to probable losses for policies and for amounts are also, as a whole, and, in general, for groups of ages, larger for the first five years of insurance than for the remaining years, as is shown by Table XXVIII. For all ages combined the ratios are: Years of Insurance. For Lives. For Policies. For Amounts. 1-5 .836 .833 1.018 6-10 .740 .741 .935 11-19 .274 .180 .074 All .800 .802 .991 In Table X we note the heavy mortality under term policies at all ages and in all years of insurance, but particularly at the youngest ages and the first years of insurance. The ratio of actual to probable mortality for the ages 7-20 is 4.981 against 1.665 for the remaining ages, and 2.706 for the first year of insurance against 1.274 for the remaining years. The probable cause of this excessive mortality has been referred to. Like results are obtained for policies and for amounts, the losses by amounts being, however, less than by lives or policies, indicating that the losses fell heavily among the smaller policies. Some of the most interesting and valuable results obtained in the course of the investigation are given in Tables XI and XII. Table XI exhibits the results obtained by classifying the male lives by the Country of their birth. Taking all ages together we find Natives to be the best risks, and the Irish the worst. Taking groups of ages there is great diversity. The most striking feature is the steady deterioration of the Germans with increasing age. From 21 to 70, by groups of ten ages, their record runs .636 — .753 — .973 — 1.237 —1.283. 16 Table XII exhibits tbe mortality of male lives classified by occu- pation. The classification is not all that could be desired, principally owing to the indefiniteness with which the occupations were often given in the applications, especially in earlier years Thus it would have been very desirable to subdivide class 19 — Merchants — according to the nature of the business ; but the application so generally gives the occupation merely as "Merchant" that such subdivision did not seem practicable. It is to be remembered, too, that the lives are selected lives, and the designation of the occupation will thus in some instances come to have a special or restricted meaning Thus, often when the designation is one that ordinarily is applied indiscriminately to employers and employed, or officers and subordinates, it may well happen that the lives under observation are almost exclusively of the former class. As instances we might name "Lumbermen," "Livery- men," "Teamsters," and "Mariners." Changes of occupation will also have had some effect on the results obtained, though probably not great. So far as it has effect it will have tended to equalize the observed death-rates. The number of lives under observation was also in some instances too small to entitle the results to credit. The classes of occupation have been arranged in the order of the excellence of the risks as measured by comparison with the American Table. From this is excepted the last two classes, which are com- posed of lives of no particular occupation, but quite miscellaneous. The low mortality of the last class (49), and the great average durar tion of the insurances and the large per cent, still existing, are due to the introduction of a large percentage of the years of exposure without any corresponding deaths or withdrawals, at the expense of the other classes. The same table exhibits the average duration of the insurances, and the proportion of lives still insured, in each class. The following tables give the classes which have exceeded the average, either in the duration of the insurances or the per cent, remaining insured, arranged in the order of duration and per cent, existing: 17 Class. Average duration of Insurance. Per cent, re- maining Insnred. Class. Per cent, re- maining Insured. Average diu-ation of Insurance. 7 9.74 61 10 67 8.32 8 9.03 51 1 67 5.83 5 8.92 37 7 61 9.74 19 8.64 56 38 59 6.74 3 8.59 53 16 58 8.01 18 8.57 53 27 58 7.74 23 8.48 57 23 57 8.48 17 8.35 51 19 56 8.64 25 8.34 46 4 56 7.99 10 8.32 67 36 54 7.82 14 8.21 41 11 54 7.48 16 8.01 58 18 53 8.57 4 7.99 56 3 53 8.59 24 52 7.35 Of the thirteen classes in tlie first group and the fourteen classes in the second group, eight classes are found in both. Eleven classes of the first group and nine classes of the second group, including seven of the eight common to the two groups, show a mortality be- low the average. The seven classes which show a duration and a per cent, of existing in excess of the average, and a mortality below the average, are 3, 4, 7, 10, 16, 18, and 19. The comparison in Table XII has been made between the actual deaths and the probable deaths by the • American Table. It will be remembered that the experience of the company does not run pre- cisely parallel to the table, the most noticeable variation being an excessive mortality at ages under twenty-five, and especially under twenty. The deaths for ages 7-20 are distributed among the classes of occupations as follows, the probable deaths being also given for comparison : Class 3 Actual deaths 1 Probable deaths .05 (( 14 « it 2 u u .32 u 19 (( u 2 « « 1.43 « 20 « u 9 u « 2.79 u 21 u (t 1 u « .72 18 Class 22 Actual deaths 2 Probable deaths .75 " 27 u IC 13 (( " 11.71 « 43 u u 12 (( 9.12 « 44 u u 2 « .18 " 48 u u 7 u 3.21 Class 49 has no actual against 1.22 probable deaths. In no other class do the probable deaths amount to 1, and only in two cases to .50. These figures indicate that the cause which produced the exces- sive mortality at these ages was not limited to any particular pccu- pation or class of occupations. Classes 20, 22, 42, 43, and 45 also show a high rate of mortality for the ages 21-30, although iu case of the three latter classes a high rate is not confined to these ages. Table XIII, giving the actual and probable deaths by groups of agea for each class of occupation, will permit of such further study of the subject as may be desirable. The same table will well illustrate the fallacy involved in a com- parison of the average age at death of persons of different occupations, as a measure of the healthfulness of the occupation. As an extreme illustration we will compare classes 35 and 43. Of class 35, 35 per cent, of the actual and 47 per cent, of the probable deaths fall in ages 61-90; while of class 43, 78 per cent, of the actual and 75 per cent, of the probable deaths fall in ages 7-30. The average age at death of class 35 is 56.8 years ; while the average age at death of class 43 is 25.8 years; and yet the ratios of actual to probable deaths ia for class 35, .979, and for class 43, 1.172, a difference in no wise corresponding with the difference in average age at death. If we take two classes of occupations of more nearly similar character, 19 and 27, we find the ratio of probable deaths of 27 to probable deaths of 19 to be: for ages 7-30, 1.03; for ages 31-40, .38; for ages 41-50, .21; for ages 51-60, .15; for ages 61-90, .14; indicat- ing by the rapidly-decreasing ratio a great difference in the average ages of the lives of the two classes. A corresponding difference in the average age at death would indicate only a similar healthfulness of occupation. 19 Table XIV gives the exposures, deaths, and ratio of deaths to exposures, of female risks, age by age. Table XV gives the same facts for groups of ages and of years of insurance, and also for groups of ages without regard to years of insurance, — the latter being a sum- mary of Table XIV, — and adds to this the probable deaths by the American Table and the ratio of actual to probable deaths. Table XVI gives like facts in like form as regards female lives insured under premium-paying life and endowment policies. These last two tables give essentially the same results. We note that the death-rate is practically uniform for the groups of ages 7-50, and that for the groups 7-45 it is largely in excess both of the death-rate for male lives and of the table rate, while for the groups 46-80 it is below the rate for male lives as well as the table rate. The ratio of actual to probable for the totals of each table is .945. The Thirty American Offices Experience shows an excess in the death-rate of females as compared with males between ages 15 and 45, the rate for ages 25-50 being substantially uniform, a lower rate for females than for males for the ages 46-65, and a higher rate again at the older ages. Comparing the BF and the H^ Tables we find similar variations. The death-rate under the H^ Table is, in general, the greater for ages 20-47 and the less for the ages 48-83, and in- creases but slightly between 25 and 50. Comparing Tables XXX and XXXI our attention is drawn to the larger ratio of loss under life policies as compared mth that un- der endowment policies. This is in large part due to the fact that there were no exposiires under endowment policies at ages beyond 65, and no losses at ages beyond 50. For younger ages we have the follo-\ving ratios of loss to exposure for the two classes of policies: Ages. LiPE Policies. Endowmekt Policies. For Policies. For AmoontB. For Policies. For Amounts. Under 36 36-50 .01057 .01089 .01004 .01066 .00995 .00433 .01047 .00377 20 The ratios of losses for the totals of the two tables combined is, for policies .01213 and for amounts .01182, while that for lives insured under the same policies is .01211. The losses by amounts were slightly less than by lives in case of females, while in case of males the reverse was true. Tables XVII and XXXII exhibit the experience of the company on paid-up policies issued on female lives in lieu of policies surren- dered. The ratios of losses to exposures were, for lives, .01173, for policies, .01194, for amounts, .01204. The ratio of loss to exposure for lives was greater for the first five years of insurance than for all years combined, notwithstanding the younger ages at exposure in the first five years. The ratio of actual to probable loss by the American Table was .941, or about the same as for premium-paying policies. Tables XVIII and XXXIII exhibit the experience of the com- pany on term policies on female lives. The ratios of losses to expos- ures were, for lives .01521, for policies .01705, and for amounts .02654. The losses by amounts were greater than by lives, while for male lives the reverse was true. The ratio of actual to probable losses by lives is 1.581. Tables XXXIV and XXXV present the facts regarding the dis- continuance of Premium-paying Life and Premium-paying Endowment Policies respectively, on male lives. The first fact which attracts attention is the rapid and regular decrease in the ratio of withdrawals as the age of the business increases. Of the $156,069,382 of premium- paying insurance lost otherwise than by the natural termination of the contract by death or expiiy, $45,291,565, or 29 per cent., termi- nated after one year, $120,096,220, or 77 per cent., within the first five years, and $148,200,053, or 95 per cent., within the first ten years. These figures will be somewhat modified in the future, but they show very forcibly the fact that withdrawals are mostly confined to the earlier years of insurance. We note also that the loss is greatest in case of policies issued at the youngest ages, and decreases as the age at issue increases; also that the per cent, of withdrawals in case of endowment policies exceeds that in case of life policies, both as a whole and for each year of insurance, from the second to the thirteenth 21 inclusive. For tlie first year of insurance tlie withdrawals of life policies exceed. Beyond the thirteenth year of insurance there have been but very few endowment policies exposed, and only one with- drawal. Tables XXXVI and XXXVII give the per cent, discontinued of Premium-paying Life and Endowment Policies, each kind being divided into three divisions by date of issue, Adz.: those issued prior to 1865, from 1865 to 1869 inclusive, and from 1870 to 1877 inclusive. Com- paring the tables we find that the loss of business by withdrawals increases with the later date of issue, and this not merely as a whole, which would be expected, but for the same years of insurance as well. A part of this increase is probably due to the greater compe- tition for new business, resulting in the insuring of many who are unable or unwilling to continue the insurance, and in the inducements which are too often held out by unscrupulous solicitors to incite policy-holders in one company to exchange their policies for new ones in some other company. A- large part of the increase of fifty per cent, in the discontinuances in the first year as between policies issued in 18-16-1864 and those issued in 1870-1877, is to be thus accounted for. Another considerable cause is found in the doing away with the absolute forfeiture of lapsed policies, and the payment of ecjuitable surrender values. The operation of this cause is abundantly illustrated in the increase of withdrawals at the end of the second year from two to eleven per cent., as between endowment policies issued in 1846-1864 and 1865-1869. Other causes are to be found in the distrust of life insurance caused by the failure of many speculative companies organized in the flush times following the war, and in the financial conditions of the times. 22 TABLE I. MALE LIVES BY YEARS OF INSURANCE. First Year. Second Year. Third Year. Fourth Year. Age at ExpoB- Age at Expos- ure. Exposed. Sled. Exposed. Died. Exposed. Died. Exposed. Died. ure. 7-10 11 2 1 1 7-10 11 4 7 1 11 12 9 4 7 1 12 13 18 1 9 3 7 13 14 72 1 15 9 3 14 15 96 1 61 13 9 15 16 122 1 78 1 58 12 16 17 222 4 103 69 54 1 17 18 294 3 173 1 96 1 59 18 19 519 9 213 1 153 5 87 2 19 20 831 11 385 4 197 134 1 20 21 1,390 17 641 2 328 2 181 1 21 22 1,761 8 1,038 16 547 1 297 3 22 23 2,177 12 1,322 9 864 7 489 5 33 24 2,550 22 1,659 8 1,117 9 764 6 24 25 2,944 20 1,983 19 1,443 7 977 9 25 26 3,169 22 2,286 10 1,694 12 1,292 10 26 27 3,505 22 2,495 21 2,005 10 1,526 13 27 28 3,788 24 2,749 13 2,160 8 1,791 13 28 29 3,988 21 3,033 23 2,411 21 1,930 16 29 30 4,141 26 3,235 9 2,656 12 2,164 9 30 31 3,922 14 3,356 25 2,858 19 2,399 21 31 32 4,184 25 3,190 18 2,972 21 2,552 12 32 33 4,250 27 3,446 21 2,835 21 2,692 20 33 34 4,016 22 3,508 30 3,062 26 2,600 19 34 35 3,943 18 3,290 9 3,136 25 2,810 24 35 36 3,864 29 3,250 25 2,945 16 2,856 21 36 37 3,569 18 3,219 23 2,934 17 2,721 17 37 38 3,546 24 2,969 31 2,904 19 2,682 20 38 39 3,319 22 2,934 29 2,658 23 2,652 25 39 40 3,321 21 2,730 16 2,638 26 2,429 23 40 41 2,923 22 2,770 18 2,471 17 2,424 23 41 42 2,744 32 2,450 14 2,497 23 2,269 18 42 43 2,489 18 2,300 21 2,205 17 2,295 35 43 44 2,397 21 2,102 12 2,091 14 2,042 13 44 45 2,233 11 2,015 20 1,899 12 1,915 13 45 23 TABLE I.— Continued. MALE LIVES BY YEARS OF mSURANCE. First Tear. Second Tear. Third Tear. Fourth Year. Age at Expos- Age at Expos- ure. Exposed. Died. Exposed. Died. Exposed. Died. Exposed. Died. ure. 46 2,100 11 1,879 20 1,820 18 1,760 17 46 47 1,806 13 1,789 17 1,697 18 1,675 15 47 48 1,699 14 1,528 17 1,616 15 1,584 23 48 49 1,449 12 1,440 10 1,382 14 1,489 18 49 50 1,360 15 1,257 12 1,308 10 1,282 8 50 51 1,073 9 1,141 22 1,147 10 1,203 15 51 52 1,105 10 913 13 1,028 10 1,062 10 52 53 875 10 927 12 823 6 948 11 53 54 719 17 757 10 835 15 765 13 54 55 649 11 598 19 668 8 767 9 55 56 583 10 555 9 528 9 617 8 56 57 471 12 482 6 504 10 485 6 57 58 399 5 382 3 446 9 463 10 58 59 335 6 342 12 351 12 410 10 59 60 310 13 289 7 306 5 319 7 60 61 172 4 263 5 269 4 282 12 61 62 108 3 143 2 242 6 253 2 62 63 89 2 92 3 129 2 221 4 63 64 77 1 77 2 82 3 121 5 64 65 47 2 66 1 68 2 73 2 65 66 11 1 39 1 60 2 63 2 66 67 7 10 33 53 1 67 68 8 6 9 30 2 68 69 2 7 6 8 69 70 2 2 6 5 70 71 1 1 2 6 71 72 1 1 2 72 73 1 1 1 73 74 1 1 74 75 1 1 75 76 1 1 1 76 Total, 97,790 730 80,008 653 71,305 579 65,065 603 Total. 24 TABLE I.— Contimied. MALE LIVES BY YEARS OF INSURANCE. FlPTH Ybab. Sixth Year. Sbvbnth Yeab. Eighth Ykab. Age at Exposure. Age at Exposure. Exposed. Died. Exposed. Died. Exposed. Died. Exposed. Died. 11 11 12 12 13 1 13 14 7 1 14 15 3 6 1 15 16 9 3 6 1 16 17 11 1 9 3 5 17 18 53 9 8 2 18 19 57 51 9 1 8 19 20 82 1 53 50 7 20 21 123 1 74 1 53 1 46 21 22 170 1 112 1 66 45 1 22 23 270 5 154 1 105 3 63 1 23 24 445 3 240 3 134 1 97 1 24 25 683 6 395 3 222 2 117 25 26 886 5 604 5 362 6 196 26 27 1,151 13 812 2 541 6 310 2 27 28 1,374 10 1,054 9 733 5 467 8 28 29 1,601 13 1,246 12 945 11 643 6 29 30 1,736 16 1,456 15 1,142 8 819 3 30 31 1,973 19 1,587 8 1,348 5 1,017 3 31 32 2,170 20 1,799 15 1,474 11 1,205 10 32 33 2,310 14 2,010 20 1,662 15 1,329 13 33 34 2,480 12 2,152 17 1,865 20 1,512 8 34 35 2,380 21 2,302 23 1,991 10 1,709 20 35 36 2,573 16 2,179 18 2,128 19 1,808 9 36 37 2,609 20 2,414 28 2,033 17 1,950 12 37 38 2,478 16 2,438 14 2,251 17 1,847 13 38 39 2,452 19 2,315 21 2,304 21 2,087 22 39 40 2,420 22 2,290 30 2,161 27 2,129 16 40 41 2,231 15 2,265 18 2,140 11 1,983 14 41 42 2,223 16 2,092 24 2,131 16 1,976 16 42 43 2,081 17 2,076 22 1,959 21 1,972 21 43 44 2,103 25 1,943 17 1,951 21 1,785 14 44 45 1,882 14 1,981 18 1,822 18 1,814 14 45 25 TABLE I— Continued. MALE LIVES BY YEARS OP INSURANCE. FlTTH YSAH. Sixth Year. Seventh Year. Eighth Year. Age at Ape at Exposure. Exposed. Died. Exposed. Died. Exposed. Died. Exposed. Died. Exposure. 46 1,772 18 1,757 16 1,854 21 1,691 16 46 47 1,643 17 1,052 16 1,643 16 1,722 19 47 48 1,559 20 1,549 23 1,535 16 1,523 17 48 49 1,462 11 1,442 16 1,437 14 1,432 18 49 50 1,363 17 1,387 17 1,346 8 1,336 15 50 51 1,195 13 1,272 18 1,293 27 1,264 24 51 52 1,131 18 1,135 12 1,188 16 1,181 17 52 53 993 8 1,050 18 1,059 17 1,092 20 53 54 887 8 937 13 981 12 982 21 54 55 701 13 836 14 889 10 914 19 55 56 714 12 648 18 797 16 818 13 56 57 579 9 660 13 597 9 738 15 57 58 448 13 543 7 614 10 556 11 58 59 432 11 421 9 519 10 571 9 59 60 376 9 406 16 391 12 482 17 60 61 297 8 351 3 370 5 355 2 61 62 258 3 273 7 334 6 341 11 62 63 239 4 239 9 252 9 310 9 63 64 208 9 233 10 220 13 230 5 64 65 108 2 195 4 220 5 192 6 65 66 62 2 103 3 182 8 203 7 66 67 60 1 58 3 96 2 164 3 67 68 42 51 1 52 1 87 3 68 69 24 41 1 47 2 48 3 69 70 8 2 21 2 38 40 2 70 71 5 6 2 16 2 32 3 71 72 6 1 5 4 8 72 73 2 5 5 4 73 74 1 2 5 5 74 75 1 1 2 5 1 75 76 1 1 2 76 77 I I 1 77 78 1 1 78 Total, 59,604 570 55,403 617 51,588 560 47,278 533 Total. 26 TABLE I— Continued. MALE LIVES BY YEARS OP INSURANCE. Ninth Year. Tentu Year. Eleventh Year. Twelfth Year. Age at ExpoBure. Age at Exposure. Exposed. Died. Exposed. Died. Exposed. Died. Exposed. Died. 16 16 17 1 17 18 5 1 18 19 2 5 1 19 20 7 2 4 1 20 21 6 6 1 2 21 22 43 5 4 1 22 23 40 41 3 1 3 23 24 58 37 36 1 24 25 81 52 1 27 27 25 26 101 3 73 1 37 24 26 27 170 1 87 2 58 1 31 27 28 263 3 152 2 68 I 46 28 29 410 6 231 121 2 44 29 30 546 5 348 1 184 4 92 1 30 31 710 4 483 4 280 3 130 2 31 32 906 8 614 8 388 4 204 1 32 33 1,048 11 805 6 504 3 298 3 33 34 1,158 6 941 4 676 7 382 34 35 1,365 13 1,042 12 806 6 553 4 35 36 1,533 11 1,226 8 895 5 634 7 36 37 1,646 10 1,390 13 1,069 13 723 6 37 38 1,754 13 1,478 9 1,204 11 871 5 38 39 1,701 13 1,609 10 1,282 10 989 10 39 40 1,917 9 1,558 13 1,381 14 1,061 7 40 41 1,946 11 1,774 9 1,359 16 1,137 12 41 42 1,832 22 1,801 20 1,582 12 1,135 8 42 43 1,814 23 1,681 12 1,554 16 1,334 11 43 44 1,789 23 1,640 11 1,463 10 1,292 14 44 45 1,643 15 1,643 20 1,409 24 1,185 13 45 46 1,690 17 1,510 22 1,422 16 1,161 10 46 47 1,555 24 1,544 18 1,311 12 1,179 16 47 48 1,571 12 1,428 11 1,344 10 1,077 16 48 49 1,403 12 1,433 13 1,248 11 1,096 11 49 50 1,319 15 1,276 16 1,214 17 1,006 17 50 27 TABLE I.— Continued. MALE LIVES BY YEARS OF INSURANCE. Age at Exposure. Ninth Year. Tenth Tear. Ele'v'Enth Year. Twelfth Year. Age at Exposure Exposed. Died. Exposed. Died. Exposed. Died. Exposed. Died. 51 1,248 18 1,205 26 1,097 7 973 10 51 52 1,163 26 1,148 18 1,045 10 930 8 52 53 1,093 20 1,056 16 1,001 17 852 14 53 54 1,015 17 1,001 16 928 15 806 8 54 55 89V 12 924 14 857 11 739 14 55 56 822 21 814 12 799 11 693 10 56 57 758 14 754 10 681 16 666 8 57 58 659 15 682 17 637 7 534 11 58 59 509 6 575 12 567 13 505 10 59 60 523 10 460 8 474 9 448 11 60 61 438 19 471 13 386 7 368 13 61 62 325 11 386 8 385 12 307 8 62 63 317 11 287 5 330 . 12 313 5 63 64 280 10 279 11 246 6 261 8 64 65 216 6 243 7 229 6 192 7 65 66 172 4 195 4 189 4 182 10 66 67 187 8 152 7 155 7 145 8 67 68 153 9 164 8 116 2 118 4 68 69 69 2 129 6 140 7 83 6 69 70 40 1 64 4 101 3 106 7 70 71 32 2 32 54 3 78 2 71 72 27 1 27 27 5 36 72 73 7 1 24 2 25 1 14 73 74 4 6 22 1 20 1 74 75 4 4 5 18 1 75 76 4 4 1 4 1 5 76 77 2 4 3 3 77 78 1 1 4 3 78 79 I 3 79 80 1 80 81 1 81 Total, 42,998 534 39,008 471 33,443 422 27,121 358 Total. : 28 TABLE I.— Continued. MALE LIVES BY YEARS OF INSURANCE. Thirteenth Teab. FOUKTBENTH TEAB. Fifteenth Year. Sixteenth Yeak. Age at Age at Exposure. Exposure. Exposed. Died. Exposed. Died. Exposed. Died. Exposed. Died. 21 1 21 22 2 1 22 23 1 1 1 23 24 3 1 1 1 24 25 1 2 1 1 25 26 16 1 2 1 1 26 27 18 10 1 1 27 28 23 1 8 7 1 28 29 32 12 1 7 5 29 30 21 18 9 7 30 31 60 12 10 9 31 32 81 2 37 1 7 8 32 33 140 55 2 27 7 33 34 216 4 99 1 34 20 34 35 281 2 148 3 72 3 30 35 36 394 3 207 1 109 I 49 36 37 469 4 294 3 146 84 1 37 38 552 5 338 4 219 6 118 38 39 657 4 422 6 244 5 164 1 39 40 V48 10 498 7 312 4 189 3 40 41 813 9 571 5 353 5 238 1 41 42 885 9 609 8 418 2 259 3 42 43 902 7 657 5 452 4 323 3 43 44 1,056 10 698 6 464 1 335 2 44 45 1,012 12 812 12 493 7 328 5 45 46 921 12 767 14 603 8 364 5 46 47 922 9 690 4 564 7 459 8 47 48 905 8 721 9 508 4 438 8 48 49 834 11 692 8 521 7 397 6 49 50 823 8 622 6 516 4 401 3 50 51 731 9 622 5 453 3 370 5 51 52 718 6 559 7 463 6 342 6 52 53 701 6 550 13 397 4 350 1 53 54 644 3 545 5 403 8 302 2 54 55 582 7 482 8 394 5 301 8 55 29 TABLE I.— Continued. MALE LIVES BY TEABS OP LNSURANCE. Age at Thirteenth Teas. FOUBTEENTH YEAB. FlETEENTH YEAR. Sixteenth Year. Age at Exposure. Sxpoanre. Exposed. Died. Exposed. Died. Exposed. Died. Exposed, j Died. 56 555 4 457 5 351 3 293 11 56 57 542 13 438 6 333 3 257 7 57 58 506 11 406 8 309 7 236 1 58 59 396 10 367 9 286 5 246 5 59 60 367 3 282 6 237 5 203 4 60 61 332 8 280 5 196 7 165 3 61 62 265 10 240 8 219 4 137 6 62 63 232 6 205 3 153 3 155 6 63 64 242 6 171 6 144 6 119 8 64 65 185 11 183 8 126 10 97 5 65 66 133 8 131 7 128 3 86 2 66 67 128 2 90 1 91 9 82 3 67 68 98 4 88 2 64 4 65 3 68 69 96 3 70 5 55 2 39 3 69 70 61 4 73 3 46 2 32 70 71 73 ?, 43 1 53 3 25 3 71 72 61 3 51 2 30 2 35 1 72 73 27 1 41 2 35 2 17 73 74 10 17 4 29 25 74 75 13 1 8 8 20 75 76 13 3 9 7 2 8 76 77 4 8 7 1 5 77 78 3 2 4 5 1 5 78 79 3 1 3 1 4 79 80 2 2 2 80 81 2 1 2 1 81 82 1 I 1 82 83 1 1 83 84 1 1 84 85 85 Total. 20,513 280 15,428 237 11,130 182 8,261 142 Total, 30 TABLE I.~Continued. MALE LIVES BY YEARS OF INSURANCE. Seventbbnth Year. Eighteenth Year. Nineteenth Year. Twentieth Year. Age at Exposure. Age at Exposure. Exposed, Died. Exposed. Died. Exposed. Died. Exposed. Died. 26 I 26 27 1 I 27 28 1 1 28 29 1 1 1 29 30 5 1 I 30 31 7 5 1 31 32 8 7 4 1 32 33 6 6 6 4 33 34 6 6 6 1 6 34 35 17 1 6 5 5 35 36 24 16 5 5 36 37 38 23 16 5 37 38 69 81 21 12 1 38 39 103 I 61 30 1 20 39 40 145 1 94 1 52 25 40 41 166 1 131 I 81 1 47 41 42 211 2 158 2 120 2 71 42 43 232 1 192 4 136 2 108 43 44 285 5 210 2 171 122 2 44 45 302 2 253 2 175 2 155 1 45 46 297 2 265 2 225 5 165 1 46 47 322 6 268 1 225 3 197 1 47 48 404 7 298 2 246 2 195 48 49 374 5 363 2 258 4 219 2 49 50 335 4 337 7 334 6 231 1 50 51 361 9 308 3 288 5 302 3 51 52 326 11 334 2 278 6 262 4 52 53 302 7 292 5 298 8 249 2 53 54 313 12 273 5 250 2 264 2 54 55 271 4 271 3 230 6 233 2 55 56 263 5 238 8 234 2 201 2 56 57 244 6 244 7 212 4 213 4 57 58 216 7 212 2 215 5 190 6 58 59 205 7 194 I 184 3 186 1 59 60 210 4 178 2 168 3 163 3 60 31 TABLE I.— Continued. MALE LIVES BY YEARS OF INSURANCE. Sbtentebnth Year. Eighteenth Year. Nineteenth Yeah. Twentieth Year. Age at Exposure. Age at Exposure. Exposed. Died. Exposed. Died. Exposed. Died. Exposed. Died. 61 178 7 186 3 157 2 152 4 61 62 136 4 151 2 155 4 144 6 62 63 116 3 123 5 136 3 139 5 63 64 131 2 102 2 no 5 124 4 64 65 92 4 117 1 88 3 94 6 65 66 85 6 83 4 97 3 79 1 66 67 67 3 73 2 70 2 83 4 67 68 70 3 58 1 64 60 4 68 69 55 2 64 3 48 1 54 3 69 70 36 48 1 53 3 40 70 71 26 1 34 3 42 1 45 2 71 72 19 2 22 1 27 1 38 2 72 73 30 17 15 1 26 1 73 74 16 27 1 17 2 13 74 75 22 2 16 24 3 15 2 75 76 18 2 18 13 1 21 4 76 77 8 2 15 2 12 2 10 1 77 78 5 6 2 11 10 1 78 79 5 5 I 4 1 8 1 79 80 4 4 1 4 3 80 81 2 1 4 1 2 4 81 82 1 3 1 2 82 83 1 1 1 2 1 83 84 1 1 84 85 1 85 86 1 86 87 1 87 88 88 89 89 90 90 Total. 7,193 155 6,452 100 5,630 112 5,026 90 Total. 32 TABLE I— Continued. MALE LIVES BY TEARS OF INSURANCE. TWENTT-FIKST Twbntt-Second Twenty-Third Twenty-Fourth Yeae. Yeab. YEAlt. Year. Age at Exposure. Age at Exposure. Exposed. Died. Exposed. Died. Exposed. Died. Exposed. Died. 30 1 30 31 1 1 31 32 1 1 32 33 1 1 1 33 34 4 1 1 34 35 6 4 1 35 36 4 6 4 1 36 37 5 3 6 4 37 38 5 5 3 6 38 39 10 1 5 5 3 39 40 19 9 5 5 1 40 41 20 17 9 5 41 42 44 19 17 9 42 43 65 2 43 18 1 14 1 43 44 99 62 1 35 15 44 45 111 1 92 1 52 1 33 1 45 46 149 3 105 3 86 43 1 46 47 151 136 1 93 1 75 2 47 48 188 2 143 5 125 86 1 48 49 181 4 182 2 132 3 114 1 49 50 199 1 170 1 169 1 119 50 51 207 5 188 2 161 2 161 2 51 52 280 6 198 2 175 3 154 1 52 53 245 3 261 6 189 1 166 53 54 233 5 230 5 233 2 180 4 54 55 247 4 210 5 218 4 219 6 55 56 215 2 236 3 197 201 4 56 57 179 2 206 2 230 4 185 5 57 58 194 1 170 1 196 6 216 3 58 59 168 5 188 3 159 1 184 3 59 60 175 5 155 2 176 4 149 4 60 as TABLE I.— Continued. MALE LIVES BY YEARS OF INSURANCE. Ttventy-First Twenty-Second Twenty-Third Twenty-Fourth Age at Exposure. Year Year Yeai Yeah Age at TCTnnfiiifft Exposed. Died. Exposed. Died. Exposed. Died. Exposed. Died. AJf Jk^\/OU4 D« 61 151 4 166 8 145 5 168 2 61 62 141 I 142 4 151 3 137 3 62 63 127 5 132 5 132 3 142 5 63 64 123 3 120 4 122 4 120 6 64 65 111 7 113 7 111 5 115 8 65 66 79 3 95 2 104 7 100 7 66 67 72 2 70 4 89 6 92 2 67 68 70 4 68 2 65 2 79 8 68 69 52 2 63 2 62 4 59 2 69 70 49 1 48 4 59 1 56 2 70 71 34 44 1 43 2 65 4 71 72 40 4 33 3 43 4 41 3 72 73 34 34 2 28 1 37 1 73 74 24 2 32 4 31 1 26 3 74 75 13 1 22 4 26 2 30 4 75 76 12 11 16 24 2 76 77 14 2 10 1 11 16 2 77 78 9 3 12 1 7 11 2 78 79 8 1 6 10 3 7 79 80 7 7 1 5 1 6 80 81 3 7 6 4 2 81 82 4 3 7 1 6 2 82 83 2 1 4 3 6 1 83 84 1 1 1 4 1 3 84 85 1 1 1 3 2 85 86 1 86 87 1 87 88 1 1 1 88 Total, 4,588 100 4,290 104 3,978 91 3,693 113 Total. u TABLE I.— Continued. MALE LIVES BY YEARS OP INSURANCE. Twenty -Fifth Twenty-Sixth Twenty-Seventh Twenty-Eighth Age at Yeab. Yeak. Yeab. Yeak. Age at Exposure. Sxpoeuie. Exposed. Died. Exposed. Died. Exposed. Died. Exposed. Died. 31 31 32 32 33 33 34 1 34 35 1 1 35 36 1 1 36 37 1 1 1 37 38 2 1 1 38 39 6 1 1 39 40 2 6 1 40 41 2 2 5 1 41 42 4 2 2 4 42 43 8 4 1 2 43 44 11 8 3 2 44 45 14 10 7 2 45 46 27 13 9 4 46 47 38 1 25 12 7 47 48 66 35 ] 23 9 48 49 82 61 29 18 49 50 102 77 2 56 22 1 50 51 109 95 1 66 1 44 51 52 148 100 2 90 1 56 52 53 144 145 4 92 73 53 54 149 3 131 1 130 4 79 1 54 55 164 4 140 2 120 1 109 2 55 56 198 1 150 2 128 3 101 56 57 182 4 185 4 147 104 I 57 58 165 6 165 2 167 4 118 1 58 59 193 6 151 5 150 1 143 1 59 60 171 1 178 4 134 4 123 4 60 35 TABLE I.— Continued. MALE LIVES BY YEARS OF INSURANCE. TWBNTT-FIFTH Twenty-Sixth Twenty-Seventh Twenty-Eighth Age at Exposure. Yeab Year Ykab • Year Age at ExpoBure. Exposed. Died. Exposed. Died. Exposed. Died. Exposed. Died. 61 137 6 153 6 166 3 108 3 61 62 162 3 127 3 141 6 137 3 62 63 122 7 150 5 116 6 116 63 64 131 9 108 3 133 1 91 3 64 65 111 4 114 4 97 2 117 2 65 66 104 5 102 4 105 81 1 66 67 88 4 93 2 30 7 88 2 67 68 84 2 83 6 86 6 15 1 68 69 68 3 80 6 68 2 68 3 69 70 54 2 60 4 68 3 53 3 70 71 52 2 49 2 51 2 54 6 71 72 49 3 49 5 43 4 40 6 72 73 34 2 44 4 42 3 28 2 73 74 34 1 29 2 34 3 30 3 74 75 23 2 31 2 24 1 24 1 75 76 26 5 21 1 26 1 20 3 76 77 21 2 20 2 17 21 1 77 78 12 1 16 17 4 12 78 79 8 1 11 2 15 4 12 3 79 80 6 1 7 2 8 11 1 80 81 6 5 5 6 2 81 82 2 6 5 4 82 83 4 1 2 6 6 1 83 84 5 1 3 2 6 84 85 3 4 3 2 85 86 1 3 4 1 2 86 87 1 3 3 87 88 1 2 88 89 1 1 1 89 Total, 3,338 94 3,058 96 2,752 78 2,238 60 TotAl. 86 TABLE I.— Continued. MALE LIVES BY YEARS OF INSURANCE. TWBNTT-NlNTH Thirtieth Thirty-First Thirty-Second Age at Exposure. Year. Year. Year. Year. Age at Exposure. Exposed. Died. Exposed. Died. Exposed. Died. Exposed. Died. 36 36 37 37 38 38 39 1 39 40 40 41 41 42 1 42 43 2 1 43 44 44 45 45 46 1 46 47 2 47 48 4 2 48 49 4 1 49 50 14 1 2 50 51 14 1 5 51 52 26 4 3 52 53 44 1 17 3 53 54 47 15 4 1 54 55 56 1 21 6 55 56 68 1 26 6 1 56 57 68 26 1 10 1 1 57 58 65 26 1 7 1 58 59 79 1 29 3 11 1 59 60 91 3 37 5 60 61 77 3 32 ] 12 1 61 62 63 1 29 7 1 62 63 103 2 29 1 5 63 64 77 1 44 1 8 64 65 56 1 32 15 2 2 65 37 TABLE I.— Contimied. MALE LIVES BY YEARS OF INSURANCE. Age at Twenty-Ninth Ybar. Thiktieth Year. Thibtt-First Year. Thirty Second Year. Age at Exposure. Exposure Exposed. Died. Exposed. Died. Exposed. Died. Exposed. Died. 66 81 2 20 1 11 1 66 67 53 2 35 1 10 67 68 56 3 15 2 10 1 1 68 69 41 1 14 1 5 69 70 48 3 15 4 70 71 27 15 1 4 1 71 72 29 14 1 3 1 72 73 21 2 16 3 5 1 73 74 13 8 5 74 75 18 4 8 2 3 1 1 75 76 12 1 7 3 76 77 10 2 5 3 77 78 10 2 3 2 1 78 79 8 1 3 1 79 80 5 2 80 81 7 1 1 81 82 1 4 1 1 82 83 2 1 3 2 83 84 3 1 1 1 84 85 2 1 1 85 86 1 2 86 87 2 2 87 88 3 1 88 89 2 89 90 1 1 1 1 90 Total, 1,419 49 566 23 175 9 14 1 Total. 88 TABLE II. (a) MALE LIVES BY GROUPS OF AGES AND OF TEARS OF INSURANCE. Ages at Exposure. Years of Insurance. Exposed. Died. Probable Deaths, American Table. Ratio of Actual to Probable. 7-20 1-5 4,445 50 34.42 1.453 6-10 255 1 1.98 .505 11-15 6 .05 21-30 1-5 84,929 571 695.89 .821 6-10 16,003 142 132.30 1.073 11-15 1,011 14 8.39 1.669 16-20 31 .26 21-25 1 .01 31-40 1-5 149,006 1,041 1,349.93 .771 6-10 82,180 667 751.89 .887 11-15 21,218 202 197.22 1.024 16-20 1,585 12 15.00 .800 21-25 150 2 1.41 1.418 26-32 17 .17 41-50 1-5 96,770 841 1,096.32 .767 6-10 85,488 839 976.24 .859 11-15 46,312 493 534.51 .922 16-20 12,426 139 147.49 .942 21-25 3,779 42 46.61 .901 26-32 488 6 6.24 .962 51-60 1-5 34,036 523 622.07 .841 6-10 42,140 751 783.49 .959 11-15 29,308 413 554.37 .745 16-20 12,775 233 244.04 .955 21-25 9,557 153 188.06 .814 26-32 4,438 70 91.92 .762 61-70 1-5 4,547 107 157.05 .681 6-10 9,913 299 372.10 .804 11-15 8,877 302 343.95 .878 16-20 4,895 160 191.59 .835 21-25 5,161 204 205.98 .990 26-32 4,086 131 166.71 .786 71-80 1-5 39 2 3.00 .667 6-10 296 16 22.87 .700 11-15 894 52 71.17 .731 16-20 821 50 72.02 .694 21-25 1,144 85 100.45 .846 26-32 1,071 92 95.89 .959 81-90 11-15 9 3 1.54 1.948 16-20 29 5 5.31 .942 21-25 95 16 18.37 .871 26-32 122 17 27.01 .629 39 TABLE II. (b) MALE LIVES BY YEAK8 OF INSURANCE. Years of Insurance. Exposed. Died. Probable Deaths, American Table. Ratio of Actual to Probable. Years of Insurance. 1 97,790 730 976.26 .748 1 2 80,008 653 825.13 .791 2 3 71,305 579 759.36 .763 3 4 65,065 603 716.85 .841 4 5 59,604 570 681.06 .837 5 1-5 373,772 3,135 3,958.66 .792 1-5 6 55,403 617 658.18 .937 6 7 61,588 560 638.10 .878 7 8 47,278 533 610.70 .873 8 9 42,998 534 581.87 .918 9 10 39,008 471 551.98 .853 10 6-10 236,275 2,715 3,040.83 .893 6-10 11 33,443 422 494.84 .853 11 12 27,121 358 419.60 .853 12 13 20,513 280 333.25 .840 13 14 15,428 237 263.53 .899 14 15 11,130 182 199.97 .910 15 11-15 107,635 1,479 1,711.19 .864 11-15 16 8,261 142 154.31 .920 16 17 7,193 155 142.49 1.088 17 18 6,452 100 135.53 .738 18 19 5,630 112 124.81 .897 19 20 5,026 90 118.55 .759 20 16-20 32,562 599 675.69 .887 16-20 21 4,588 100 114.66 .872 21 22 4,290 104 113.54 .916 22 23 3,978 91 112.60 .808 23 24 3,693 113 112.02 1.009 24 25 3,338 94 108.02 .870 25 21-25 19,887 502 560.84 .895 21-25 26 3,058 96 105.56 .909 26 27 2,752 78 101.64 .767 27 28 2,238 60 88.51 .678 28 29 1,419 49 59.02 .830 29 30 566 23 24.38 .943 30 31 175 9 8.19 1.099 31 32 14 1 .62 1.613 32 26-32 10,222 316 387.92 .815 26-32 All, 780,353 8,746 10,335.13 .846 All. 40 TABLE III. MALE LIVES. Pbobablx Deaths bt Age at Exposed. Ratio ol Age at Exposvm Died. Died to Exposure Exposed. American Table. Thirty American Offices. Combined Experience. H". Table. 7-10 15 .112 .097 .101 .074 7-10 11 12 .090 .078 .081 .048 11 12 21 .158 .137 .143 .070 12 13 38 1 .02632 .288 .248 .261 .111 13 14 107 1 .00935 .813 .703 .738 .296 14 15 189 1 .00529 1.443 1.246 1.312 .543 15 16 289 2 .00692 2.214 1.911 2.024 .938 16 17 477 6 .01258 3.667 3.171 3.369 1.852 17 18 700 5 .00714 5.408 4.678 4.994 3.354 18 19 1,105 18 .01629 8.580 7.422 7.963 6.348 19 20 1,753 17 .00970 13.680 11.856 12,781 11.095 20 21 2,852 25 .00877 22.402 19.416 21.039 19.180 21 22 4,092 31 .00758 32.351 28.055 30.543 28.006 22 23 5,534 44 .00795 44.040 38.245 41.859 37.432 23 24 7,144 53 .00742 57.231 49.815 54.766 47.429 24 25 8,95G 67 .00748 72.221 62.979 69.588 59.378 25 26 10,745 75 .00698 87.357 76.451 84.746 71.830 26 27 12,722 94 .00739 104.270 91.471 101.852 87.833 27 28 14,686 97 .00660 121,365 106.841 119.529 105.328 28 29 16,662 132 .00792 139.028 123.049 137.878 123.849 29 30 18,582 109 .00587 156.572 139.086 156.553 143.509 30 31 20,169 127 .00630 171.638 153.325 173.010 159.678 31 32 21,813 156 .00715 187.744 168.549 190.798 176.794 32 33 23,443 176 .00751 204.353 184.520 209.088 194.225 33 34 24,752 177 .00715 218.560 198.684 225.119 210.491 34 35 25,904 194 .00749 231.737 212.724 240.596 227.282 35 36 26,717 189 .00707 242.804 224.156 253.411 243.365 36 37 27,373 202 .00738 252.762 235.161 265.162 259.058 37 38 27,805 208 .00748 261.589 245.407 275.436 271.933 38 39 28,035 244 .00870 268.744 254.474 284.023 282.649 39 40 28,145 251 .00892 275.652 263.437 291.638 290.062 40 41 27,884 209 .00750 279.063 268.997 295.905 292.420 41 42 27,565 249 .00903 282.596 275.595 300.293 295.883 42 43 26,919 265 .00984 283.107 278.639 302.866 299.528 43 44 26,174 224 .00856 283.438 281.658 306.157 302.467 44 45 25,292 239 .00945 282.335 283.346 308.866 308.360 45 46 24,460 258 .01055 282.807 285.888 314.042 316.512 46 47 23,402 245 .01047 280.824 286.136 316.301 320.654 47 48 22,409 243 .01084 280.314 287.149 319.552 323.586 48 49 21,175 215 .01015 277.520 284.994 318.917 322.284 49 50 19,983 213 ,01066 275.386 283.259 318.489 318.729 50 41 TABLE 111.— Continued. MALE LIVES. Age at Exposure Exposed. Died. Katio of Died to Pkobable Deaths bt Age at Exposure Exposed. American Table. Tiiirty American Offices. Combined Experience. H". Table. 51 18,596 255 .01371 270.404 278.103 314.235 309.995 51 52 17,545 231 .01317 270.000 277.457 314.880 307.897 52 53 16,287 230 .01412 266.016 272.840 310.968 302.938 53 54 15,039 229 .01523 261.618 267.378 305.487 296.780 54 55 13,713 226 .01648 254.664 259.587 297.078 288.426 55 56 12,507 205 .01639 248.702 252.291 289.237 280.820 56 57 11,381 202 .01775 242.814 245.374 280.872 273.030 57 58 10,143 190 .01873 232.640 233.898 267.633 259.925 58 59 9,057 190 .02090 223.889 223.771 255.824 249.421 59 60 7,986 185 .02317 213.170 211.845 242.263 237.009 60 61 6,984 175 .02506 201.698 199.247 227.762 223.753 61 62 6,040 150 .02483 189.004 185.428 212.131 209.201 62 63 5,251 148 .02819 178.235 173.850 198.698 196.860 63 64 4,534 157 .03463 167.182 162.045 185.105 183.219 64 65 3,825 140 .03660 153.493 147.798 168.614 166.124 65 66 3,165 115 .03633 138.333 132.262 150.698 147.391 66 67 2,584 98 .03793 123.120 117.009 133.009 128.913 67 68 2,095 88 .04200 108.944 102.745 116.545 111.525 68 69 1,665 75 .04505 94.509 88.648 100.045 95.471 69 70 1,336 57 .04266 82.823 77.191 86.750 83.089 70 71 1,035 52 .05024 70.033 64.972 72.614 70.432 71 72 812 54 .06650 59.871 55.391 61.554 60.851 72 73 621 3] .04992 49.791 46.047 50.850 51.456 73 74 487 28 .05749 42.383 39.305 43.084 44.412 74 75 391 34 .08696 36.899 34.327 37.364 38.459 75 76 308 28 .09091 31.512 29.415 31.779 32.763 76 77 232 20 .08621 25.767 24.127 25.861 26.607 77 78 170 21 .12353 20.541 19.241 20.475 20.946 78 79 125 20 .16000 16.467 15.398 16.258 16.632 79 80 84 9 .10714 12.135 11.262 11.794 12.151 80 81 67 9 .13433 10.626 9.771 10.146 10.588 81 82 52 5 .09615 9.063 8.253 8.486 8.910 82 83 43 9 .20930 8.237 7.416 7.564 7.992 83 84 32 6 .18750 6.763 6.001 6.070 6.364 84 85 21 4 .19048 4.947 4.276 4.307 4.408 85 86 15 1 .06667 3.985 3.313 3.337 3.295 86 87 11 2 .18182 3.333 2.639 2.665 2.544 87 88 8 2 .25000 2.774 2.076 2.122 1.914 88 89 4 1 .25000 1.583 1.170 1.170 1.013 89 90 2 2 1.00000 .909 .656 .647 .559 90 Total. Total, 780,353 8,746 01121 10,335.140 10,016.866 11,237 770 10,938.546 42 EH ss O W o lO o in O in o in o in o S o ■< M I PI H CO 6 CO H (0 H in 1 in H 1 H to (0 H 00 1 CO 00 H 01 1 (0 % N M CO CO * * m in U> (O l> Cn 00 00 C5 CJ5 CM 1:^ CM I-H CO 00 00 CD ^ OT CO CM 00 o ^ * 05 05 CO o 05 00 CD 00 O CO CM in CO 1—4 I—) '^ o» m 00 -* in CM i:* CO m C'^ o o 3s lO o 00 t~ t~ t^ t- t- t^ t- Jt- t^ OS OJ 00 H S^ 1— ( rH ' a a Hi CO 00 ■^ -* in -* CM -* CO t- CO OS in -* CM CO < rH o -^ o 05 in CM CO CO 00 CO CM CO CM I-H (^ g I— 1 03 05 00 OO 00 00 00 00 00 00 05 o; CO 00_ 1 S © 05 ^ CO Oi t— 1 o in t^ CD I-H 00 CO CO CD "3 05 CD CO 1— 1 -* -* 'ijt 00 CO CO CTJ CO CM CO CO ■>1< flfS CO 05 00 00 00 00 CO 00 00 00_ t~ t^ 05 CO CO CO -< »-H CO CO m *- 1:* CD t- ^ __, CD CT> I-H O CD CO 00 s r^ ■* CO -tf o CO t^ o CM I-H CO CD I-H CM CO in -+ .— 1 CM 00 1:~ 00 I-H CO o 05 CD in 05 CO 05 CO Eh c^ 05 CO CD -* OJ o o o t^ CD CD O CO CO »— t in 05 CO -* CO in CO Oi in CM I-H 05 & I-H I-H —' " I-H o I-H t~ O CO f— 4 ^» Oi o in CO I-H in r^ t- r- -* 05 'g «! i- 00 lO CO o CO CD 00 CO o -* i-H in 05 i^ Is co t- o 00 o> ■^ t:* c^ in CM t- in CO CO o> J:- J='C CO i-H o CO 00 1* CO o 00 CD o CO CO 3 =1 C lO lO 00 00 CD CM -* CO I-H co 00 O -^ r^ OO 00 M rH 00 CD t- CM 00 t- in t- 00 t^ o 05 in a> CO ^ si^ CO (35 CO r— 1 CM CO CM in CD CO -H ■^ o> CO I-H in 05 CM CO ■<)< CO I-H CO m CM o <5^ " " " rH I-H o I-H in m OJ CO in ^ in O C^ I-H CO 00 CM 1* 00 "^ Sjg ^ oi in O in in 00 t^ CM CD 1:* 05 -<*l CO in I-H CO 00 03 'tfl F-4 o CO CM I-H 05 ^^ 00 CO 05 CM in CO C<1 o ~^ o 1-H Oi CM CD 00 ■^ in o CO r-H CO AH C 00 in -"J" o a> Oi ^ CD "Ijl o CM |.il o t^ CD t- t- 00 o 1* o> 00 Ol o> CD CO o *—t I— ( o O o o o I-H I-H I-H CM CO in O in o rH s«s o o O o o o o o o o o o I-H I-H CM O T— I o t- o 'i' CO -* r-^ CM o CO 05 00 CO 00 CD •o c^ o ro CT> 00 17- t^ t- t- CO Ol 05 CO "* 5 CM in 00 O I-H i-H I-H os 1-- ■<* I-H 1^ s I-H r^ I-H I-H CO CO 00 i:- f-H in •* 05 O -# -* in CD o» in o CO ? o t- 05 00 l:~ CO CM CO 1~* CO ■^ ^ I-H 1 — 1 -* lO t>- in CO o o CO ■Tl< I-H o CD 00 CO 05 CM CO g. ■<*< CO CO CD CO CO I-H f-H pH CD o CO o C<) r* rH CO CO ,-H 00 in CM I-H 00 H 1— 1 I-H I-H i:~ s 2 o in O in O in o in O in o in o m O g N N CO CO 1* t m in v> (O > t« CO '^ Q ^-r » C- H «> H o H to H o H CO H o H lO ^ PJ Cfl CO CO * f in kO CO (0 l> t* 00 CO 43 TABLE Y. MALE LIVES INSURED UNDER PREMIUM PAYING LIFE AND ENDOWMENT POLICIES. Ages at Exposure. Exposed. Died. Ratio of Died to Exposed. Probable Deaths, American Table. Katio of Actual toITobable. Ages at Exposure. 7-20 4,246 38 .00895 32.88 1.156 7-20 21-25 25,682 177 •00689 205.13 .863 21-25 26-30 67,150 454 .00676 556.80 .815 26-30 31-35 106,379 750 .00705 929.27 .807 31-35 36-40 126,165 1,010 .00801 1,189.26 .849 36-40 41-45 122,026 1,074 .00880 1,286.15 .835 41-45 46-50 102,006 1,058 .01037 1,278.88 .827 46-50 51-55 74,515 1,084 .01455 1,214.01 .893 51-55 56-60 46,908 900 .01919 1,066.91 .844 56-60 61-65 24,643 730 .02962 822.97 .887 61-65 66-70 10,007 407 .04067 505.66 .805 66-70 71-75 3,194 190 .05949 247.56 .767 71-75 76-80 906 97 .10706 104.92 .925 76-80 81-85 210 32 .15238 38.78 .825 81-85 86-90 40 8 .20000 12.58 .636 86-90 All, 714,077 8,009 .01122 9,491.76 .844 AU. 44 TABLE VI. MALE LIVES INSURED UNDER PAID-UP POLICIES ISSUED IN LIEU OF POLICIES SURRENDERED. AgeB at Exposure. Exposed. Died. Ratio of Died to Exposed. Probable Deaths, American Table. Ratio of Actual to ITobable. Ages at Exposure. 7-20 122 .95 7-20 21-25 1,005 7 .00697 8.04 .871 21-25 26-30 3,959 30 ■00758 32.86 .913 26-30 31-35 7,898 54 .00684 69.06 .782 31-35 36-40 10,687 75 .00702 100.81 .744 36-40 41-45 10,912 95 .00871 114.98 .826 41-45 46-50 8,902 110 .01236 111.57 .986 46-50 51-55 6,567 84 .01279 107.23 .783 51-55 56-60 4,284 76 .01774 97.21 .782 56-60 61-65 2,122 47 .02215 70.99 .662 61-65 66-70 876 29 .03311 44.08 .658 66-70 71-75 159 9 .05660 11.89 .757 71-75 76-80 15 .1 .06667 1.77 .565 76-80 81-85 4 1 .25000 .67 1.493 81-85 86-90 86-90 All, 57,512 618 .01075 772.11 .800 All. 45 TABLE VII. MALE LIVES ICTSURED UNDER TERM POLICIES. Ages at Exposure. Exposed. Died. Ratio of Died to Exposed. Probable Deaths, American Table. Ratio of Actual to Probable. Ages at Exposure. 7-20 335 13 .03881 2.60 5.000 7-20 21-25 1,903 37 .01944 15.17 2.439 21-25 26-30 2,303 28 ■01216 19.05 1.470 26-30 31-35 2,055 32 .01557 17.91 1.787 31-35 36-40 1,715 21 .01224 16.13 1.302 36-40 41-45 1,217 22 .01808 12.79 1.720 41-45 46-50 880 18 .02045 11.01 1.635 46-50 51-55 515 11 .02136 8.30 1.325 51-55 56-60 170 4 .02353 3.78 1.058 56-60 61-65 24 2 .08333 .75 2.667 61-65 66-70 4 .22 66-70 71-75 71-75 76-80 76-80 81-85 81-85 86-90 86-90 All, 11,121 188 .01690 107.71 1.745 AU. 46 TABLE VIII. (a) MALE LIVES INSURED UNDER PREMIUM PAYING LIFE AND ENDOWMENT POLICIES, ARRANGED BY GROUPS OF AGES AND OF YEARS OF INSURANCE. Ages at Exposure. Years of Insurance. Exposed. Died. Probable Deaths, American Table. Ratio ol' Actual to Probable. 7-20 1-5 4,033 37 31.23 1.185 6-10 208 1 1.60 .625 11-15 5 .04 21-30 1-5 79,003 501 647.56 .774 6-10 12,988 118 107.41 1.099 11-15 810 12 6.72 1.786 16-20 30 .26 21-25 1 .01 31-40 1-5 142,755 981 1,293.45 .758 6-10 70,223 584 642.78 .909 11-15 17,913 181 166.66 1.086 16-20 L493 12 14.15 .848 21-25 145 2 1.36 1.471 26-32 15 .15 41-50 1-5 93,062 794 1,054.46 .753 6-10 74,275 731 848.56 .861 11-15 40,388 421 466.32 .903 16-20 12,136 138 144.10 .958 21-25 3,696 42 45.55 .922 26-32 475 6 6.06 .990 51-60 1-5 32,861 503 600.58 .838 6-10 36,712 676 682.55 .990 11-15 25,595 359 483.77 .742 16-20 12,482 227 238.26 .953 21-25 9,450 151 186.12 .811 26-32 4,323 68 89.63 .759 61-70 1-5 4,355 101 150.17 .673 6-10 8,603 280 322.34 .869 11-15 7,786 268 301.37 .889 16-20 4,800 156 187.89 .830 21-25 5,086 205 203.06 1.010 26-32 4,020 127 163.78 .775 71-80 1-5 39 2 3.00 .667 6-10 273 15 21.07 .712 11-15 804 49 64.48 .760 16-20 820 49 72.04 .680 21-25 1,129 85 99.29 .856 26-32 1,035 87 92.60 .940 81-90 11-15 9 3 1.54 1.948 16-20 29 5 5.31 .942 21-25 92 15 17.85 .840 26-32 120 17 26.67 .637 47 TABLE VIII. (b) MALE LIVES INSURED UNDER PREMIUM PAYING LIFE AND ENDOWMENT POLICIES, BY YEARS OF INSURANCE. Years of Insurance. Exposed. Died. Probable Deaths, American Table. Katio of Actual to Probable. Years of Insurance. 1 95,060 640 952.21 .672 1 2 78,402 624 810.66 .770 2 3 68,300 558 729.97 .764 3 4 60,547 569 669.95 .849 4 5 53,799 528 617.69 .855 5 1-5 356,108 2,919 3,780.48 .772 1-5 6 48,864 560 583.48 .960 6 7 44,735 487 556.11 .876 7 8 40,610 483 526.74 .917 8 9 36,397 467 495.05 .943 9 10 32,676 408 464.93 .878 10 6-10 203,282 2,405 2,626.31 .916 6-10 11 28,095 358 417.89 .857 11 12 23,029 300 358.15 .838 12 13 17,835 246 290.33 .847 13 14 13,894 218 237.22 .919 14 15 10,457 171 187.32 .913 15 11-15 93,310 1,293 1,490.91 .867 11-15 16 8,004 139 149.80 .928 16 17 7,003 150 139.12 1.078 17 18 6,304 100 132.85 .753 18 19 5,527 110 123.13 .893 19 20 4,952 88 117.12 .751 20 16-20 31,790 587 662.02 .887 16-20 21 4,528 99 11.3.56 .872 21 22 4,228 102 112.04 .910 22 23 3,926 91 111.25 .818 23 24 3,637 112 110.35 I.0I5 24 25 3,280 96 106.03 .905 25 21-25 19,599 500 553.23 .904 21-25 26 3,000 93 103.47 .899 26 27 2,694 75 99.42 .754 27 28 2,189 56 86.51 .647 28 29 1,378 48 57.44 .836 29 30 547 23 23.61 .974 30 31 167 9 7.89 1.141 31 32 13 1 .53 1.887 32 26-32 9,988 305 378.87 .805 26-32 All, 714,077 8,009 9,491.82 .844 All. 48 TABLE IX. (a) MALE LIVES INSURED UNDER PAID UP POLICIES ISSUED IN LIEU OP POLICIES SURRENDERED, ARRANGED BY GROUPS OF AGES AND OP YEARS OP INSURANCE. Ages at Exposure. Years of Insurance. Exposed. Died. Probable Deaths, American Table. Ratio of Actual to Probable. 14-20 1-5 122 .94 21-30 1-5 4,463 34 36.75 .925 6-10 493 3 4.08 .735 11-19 8 .07 31-40 1-5 14,411 104 131.43 .791 6-10 4,003 23 36.84 .624 11-19 171 2 1.59 1.258 41-50 1-5 13875 151 158.63 .952 6-10 5,578 52 63.73 .816 11-19 361 2 4.18 .478 51-60 1-5 7,630 112 143.44 .781 6-10 3,014 48 57.11 .840 11-19 207 3.88 61-70 1-5 2,017 55 77.33 .711 6-10 901 21 34.44 .610 11-19 80 3.29 71-82 1-5 95 9 7.68 1.172 6-10 68 2 5.06 .395 11-19 15 1.58 49 TABLE IX. (b) MALE LIVES INSURED UNDER PAID-UP POLICIES ISSUED IN LIEU OF POLICIES SURRENDERED, BY YEARS OP INSURANCE. Years of Insurance. Exposed, Died. Probable Deaths, American Table. Ratio of Actual to Probable. Years of Insurance. 1 2 3 4 5 1-5 6 7 8 9 10 6-10 11-19 11,762 9,780 8,353 7,026 5,692 42,613 4,530 3,466 2,792 2,036 1,233 14,057 842 123 102 90 91 59 465 55 41 23 14 16 149 4 148.66 125.46 109.73 94.43 77.94 556.22 62.92 48.99 40.50 30.22 18.65 201.28 14.58 .827 .813 .820 .964 .757 .836 .874 .837 .568 .463 .858 .740 .274 1 2 3 4 5 1-5 6 7 8 9 10 6-10 11-19 All, 57,512 618 772.08 .800 All. 50 TABLE X. MALE LIVES INSURED UNDER TERM POLICIES, ARRANGED BY GROUPS OF AGES AND OF YEARS OF INSURANCE. Ages at Exposure. Tears of Insurance. Exposed. Died. Probable Deaths, American Table. Ratio of Actual to Probable. 7-20 21-30 31-40 41-50 51-70 1-5 6-14 1-5 6-14 1-5 6-14 1-5 6-14 1-5 6-14 331 4 3,942 264 3,272 498 1,771 326 566 147 13 63 2 47 « 36 4 14 3 2.58 .03 32.05 2.18 29.53 4.52 20.12 3.68 10.28 2.77 5.039 1.966 .917 1.592 1.327 1.789 1.087 1.362 1.083 All Ages Combined. 1 2 3 4 5 1-5 6-14 3,841 2,365 1,602 1,170 904 9,882 1,239 96 33 16 18 10 173 15 35.48 22.40 15.59 11.77 9.29 94.53 13.18 2.706 1.473 1.026 1.529 1.076 1.830 L138 All, All, 11,121 188 107.71 1.745 61 TABLE XI. MALE LIVES CLASSIFIED BY PLACE OF BIRTH. A. NATIVES OF THE UNITED STATES. Ages at Exposed. Died. Probable Deaths, Ratio of Actual Ages at Exposure. American Table. to Probable. Exposure. 7-20 4,310 47 33.38 1.408 7-20 21-30 85,935 609 704.95 .864 21-30 31-40 204,816 1,553 1,865.24 .833 31-40 41-50 196,539 1,814 2,251.89 .806 41-50 51-60 111,362 1,730 2,098.68 .825 51-60 61-70 33,136 1,039 1,274.41 .815 61-70 71-80 3,919 271 336.27 .806 71-80 81-90 245 40 50.16 .797 81-90 All, 640,262 7,103 8,614.47 .825 All. I 1. NATIVES OF BRITISH AMERICA 7-20 189 1 1.46 .685 7-20 21-30 4,893 48 40.09 1.197 21-30 31-40 7,994 52 72.41 .718 31-40 41-50 5,016 55 56.68 .970 41-50 51-60 1,671 21 30.27 .694 51-60 61-70 343 8 13.27 .603 61-70 71-80 29 2 2.40 .833 71-80 All, 20,135 187 216.58 .863 All. C. NATIVES OF ENGLAND AND WAi.l 3S. 7-20 57 .44 7-20 21-30 2,276 15 18.72 .801 21-30 31-40 7,975 62 72.95 .850 31-40 41-50 9,606 96 110.37 .870 41-50 51-60 5,152 92 96.13 .957 51-60 61-70 1,269 41 48.41 .847 61-70 71-80 142 12 12.12 .990 71-80 81-90 3 1 .52 1.923 81-90 All, 26,480 319 359.65 .887 AU. 52 TABLE XI.— Continued. MALE LIVES CLASSIFIED BY PLACE OP BIRTH. D. NATIVES OP SCOTLAND. Ages at Exposed. Died. Probable Deaths, Ratio of Actual Ages at Expoeure. American Table. to Probable. Exposure, 7-20 23 .18 7-20 21-30 861 5 7.08 .706 21-30 31-40 2,702 19 24.71 .769 31-40 41-50 2,992 34 34.10 .997 41-50 51-60 1,468 23 27.57 .834 51-60 61-70 376 16 14.22 1.125 61-70 71-80 34 3 2.77 1.083 71-80 All, 8,456 100 110.63 .904 All. E. NATIVES OP THE GERMAN AND AUSTRIAN EMPIRES, BELGIUM AND HOLLAND. 7-20 100 1 .78 1.282 7-20 21-30 5,343 28 44.04 .636 21-30 31-40 21,369 147 195.31 .753 31-40 41-50 21,760 241 247.79 .973 41-50 51-60 8,171 184 148.79 1.237 51-60 61-70 1,203 56 43.65 1.283 61-70 71-80 44 2 3.48 .575 71-80 All, 57,990 659 683.84 .964 All. p. NATIVES OP PRANCE AND SWITZERLAND. 7-20 3 .02 7-20 21-30 308 4 2.54 1.575 21-30 31-40 1,506 18 13.77 1.307 31-40 41-50 1,499 15 17.06 .879 41-50 51-60 624 12 11.54 1.040 51-60 61-70 136 2 5.01 .399 61-70 71-80 11 2 1.01 1.980 71-80 All, 4,087 53 50.95 1.040 All. 53 TABLE XI.— Continued. MALE LIVES CLASSIFIED BY PLACE OP BIRTH. G. NATIVES OP NORWAY, SWEDEN, HUSSIA AND DENMARK. Ages at Exposed. Died. Probable Deaths, Ratio of Actual Ages at Exposure. American Table. to Probable. Exposure. 7-20 3 .02 7-20 21-30 279 2 2.30 .870 21-30 31-40 782 8 7.13 1.122 31-40 41-50 714 9 8.07 1.115 41-50 51-60 256 6 4.61 1.302 51-60 61-70 30 1.09 61-70 All, 2,064 25 23.23 1.076 All. H. NATIVES OF IRELAND. 7-20 16 2 .12 16.067 7-20 21-30 1,709 14 14.07 .995 21-30 31-40 6,064 61 55.42 1.101 31-40 41-50 6,363 84 72.63 1.157 41-50 51-60 3,241 69 61.19 1.128 51-60 61-70 900 35 33.93 1.032 61-70 71-80 85 5 7.28 .687 71-80 81-90 7 1.54 81-90 All, 18,385 270 246.18 1.097 AU. L NATIVES OF OTHER COUNTRIES. 7-20 5 .04 7-20 21-30 371 2 3.05 .656 21-30 31-40 948 4 8.65 .462 31-40 41-50 774 12 8.81 1.362 41-50 51-60 309 6 5.65 1.062 51-60 61-70 86 6 3.34 1.796 61-70 71-80 1 .07 71-80 All, 2,494 30 29.61 1.013 All. 54 TABLE XII. CLASSIFICATION BY OCCUPATION. 1. Traveling Agents, Commercial Travelers, etc. 2. Lumbermen, and Proprietors, Superintendents and "Workmen in Saw Mills and Planing Mills. 3. Dentists. 4. Professors and Teachers, including Music Teachers. 5. Hatters. 6. Liverymen and Stage Proprietors. 7. Clergymen, Missionaries and Colporteurs. 8. Tanners and Curriers. 9. Metal Workers. 10. Bankers, Capitalists, and Officers of Corporations other than Manufacturing Corporations ; also Superintendents of Railroads and Express Companies. 11. Civil Officials. 12. Butchers, Packers, Drovers and Marketmen. 13. Leather "Workers. 14. Mechanics not designated and "Workers at Petty Mechanical Occupations. 15. Painters and Paper- Hangers. 16. Lawyers, Justices, Magistrates, Conveyancers, etc. 17. Jewelers, Clock and "Watchmakers, Opticians, Gold and Silversmiths, Gold Pen Makers, etc. 18. Manufacturers, including Officers of Manufacturing Companies, Proprietors, Superintendents and Managers of Manufactories, except Liquor Eefiners, Oil Producers, etc. 19. Merchants, Publishers, Shippers, Dealers and Traders of all kinds, except Stock-Brokers, " Operators," Peddlers, Milkmen, Pawnbrokers, and Dealers in Drugs, Paints, Tobacco and Liquors. 20. Agriculturalists, Gardeners, Nurserymen, Dairymen, Stock-raisers, etc. 21. Wood "Workers, including Carriage and "Wagon Makers. 22. Laborers and Mill Operatives. 23. Civil Engineers and Surveyors. 24. Agents, Adjusters, Canvassers, Underwriters, Insurance Surveyors, Express Managers, Depot Masters, etc. 55 TABLE XII.— Continued. CLASSIFICATION BY OCCUPATION. 25. Tailors and Cloth Cutters. 26. Millers. 27. Salesmen, Clerks, Book-keepers, Auditors, Cashiers, except of Banks, Bank Messengers, Private Secretaries and Telegraph Operators. 28. Stationary Engineers and Engineers not designated. 29. Artists, Architects, Draughtsmen, Engravers, Lithographers, Mechanical Engineers, Sculptors, etc. 30. Authors, Editors, Journalists, Correspondents, Lecturers, Reporters, etc. 31. Foundrymen, Moulders, Fumacemen and Potters. 32. Railroad Trainmen, Express Messengers, Section Masters and Train Dis- patchers. 33. Printers. 34. Physicians, Surgeons and Oculists. 35. Gentlemen and Retired Business men. 36. Druggists, Chemists, Dyers, Bleachers, Platers, Photographers, Dealers in Drugs, Paints, Oils, etc. 37. Bakers. 38. Tobacconists and Cigar Makers. 39. Stone Workers and Plasterers. 40. Drivers, Teamsters, etc. 41. Officers and Crews of Steamboats and River Craft. 42. Stock Brokers, Brokers, Real Estate Agents, Speculators and Operators. 43. Students. 44. Army OfiBcers and Soldiers. 45. Liquor Refiners and Dealers, Bar Keepers, Hotel Keepers, Landlords, etc. 46. Mariners and Seamen. 47. Ofiicers of the Navy and of Ocean and Sailing Vessels. 48. Miscellaneous, consisting principally of unknown and indefinitely designated occupations, including also occupations not before provided for, as Actors, Auctioneers, Barbers, Boarding-house Keepers, Divers, etc. 49. Persons giving two or more distinct occupations, not classed together above, usually in different applications made at different times. 56 TABLE XII.— Continued. MALE LIVES CLASSIFIED BY OCCUPATION. o Average Per cent. Probable Ratio of i 1 Entered. Existing. Ceased. Died. Years of Exposure. Duration of Insur- remiiin- ing Deaths, American Actual to Prob- ance. Insured. Table. able. O 1 241 161 72 8 1,404 5.83 67 16.90 .473 1 2 416 205 191 20 3,039 7.31 49 39.17 .511 2 3 458 243 185 30 3,934 8.59 53 48.74 .616 3 4 1,211 680 459 72 9,681 7.99 56 116.92 .616 4 5 186 68 101 17 1,659 8.92 37 25.33 .671 5 6 376 179 171 26 2,666 7.09 48 36.51 .712 6 7 2,391 1,454 689 248 23,285 9.74 61 341.46 .726 7 8 225 114 88 23 2,032 9.03 51 30.88 .745 8 9 2,919 1,372 1,329 218 22,005 7.74 47 291.58 .748 9 10 1,401 936 347 118 11,654 8.32 67 157.74 .748 10 11 1,114 598 422 94 8,331 7.48 54 124.74 .754 11 12 983 479 431 73 7,259 7.38 49 96.36 .758 12 13 1,326 575 654 97 9,537 7.19 43 126.06 .769 13 14 1,356 550 695 111 11,134 8.21 41 143.04 .776 14 15 739 299 384 56 5,272 7.13 40 71.68 .781 15 16 3,040 1,778 1,014 248 24,355 8.01 58 312.67 .793 16 17 740 377 302 61 6,182 8.. ^5 51 75.86 .804 17 18 4,932 2,635 1,808 489 42,283 8.57 53 604.65 .809 18 19 •25,585 14,378 8,807 2,400 221,043 8.64 56 2,953.37 .813 19 20 8,529 3,947 3,869 713 57,812 G.78 46 875.16 .815 20 21 4,484 1,846 2,275 363 31,879 7.11 41 431.23 .842 21 22 1,263 624 541 98 8,784 6.95 49 114.86 .853 22 23 320 183 108 29 2,713 8.48 57 33.96 .854 23 24 3,135 1,634 1,240 261 23,036 7.35 52 304.95 .856 24 25 869 398 386 85 7,249 8.34 46 97.18 .875 25 26 796 375 348 73 5,840 7.34 47 82.86 .881 26 27 9,827 5,652 3,456 719 70,101 7.74 58 813.53 .884 27 28 210 101 94 15 1,493 7.11 48 16.97 .884 28 29 360 164 164 32 2,769 7.69 46 35.81 .894 29 30 422 172 216 34 2,770 6.56 41 36.46 .933 30 31 420 194 186 40 3,115 7.42 46 42.63 .938 31 32 528 260 224 44 4,116 7.80 49 45.87 .959 32 33 544 223 281 40 3,594 6.61 41 41.01 .975 33 34 2,347 1,121 963 263 18,146 7.73 48 269.05 .978 34 35 330 157 122 51 2,472 7.49 48 52.09 .979 35 36 1,457 786 532 139 11,393 7.82 64 137.77 1.009 36 37 441 196 198 47 3,460 7.85 44 45.75 1.027 37 38 350 205 116 29 2,360 6.74 59 28.10 1.032 38 39 953 396 465 92 6,745 7.08 42 88.89 1.035 39 40 381 159 182 40 2,645 6.94 42 36.30 1.102 40 41 240 91 126 23 1,616 6.73 38 20.60 1.117 41 42 1,179 547 502 130 8,289 7.03 46 115.49 1.126 42 43 900 438 402 60 6,133 6.81 49 51.19 1.172 43 44 293 133 131 29 2,023 6.90 45 22.78 1.273 44 45 1,617 655 748 214 11,358 7.02 41 150.63 1.421 45 46 300 140 111 49 2,312 7.71 47 29.55 1.658 46 47 423 190 151 82 3,280 7.75 45 46.82 1.751 47 48 3,006 1,129 1,532 345 22,007 7.32 38 308.24 1.119 48 49 2,224 1,583 443 198 27,445 12.34 71 345.28 .573 49 All, 97,787 50,780 38,261 8,746 780,310 7.98 52 10,334.67 .846 All. 57 TABLE XIII. MALE LIVES CLASSIFIED BY OCCUPATION AND BY GROUPS OP AGES. t 1 Asks AT ExpoacHx. 1-30. AOBS .AT EXPOSUKK. 31-40. Ages at Expo«ukb. 41-50. Ages at Exposubx. 61-60. Agks at Exposcbb. 61-70. Agbs at Exposdrb. 71-90. O 1 Deaths Probable Deaths, American Table. Deaths. Probahle Deaths, Americau Table. Deaths. ProbaWo Deaths, American Table. Deaths. Probable Deaths, American Table. Deaths, Probable Deaths, American Table. Deaths Probable Deaths, American Table. 1 1 2.54 3 4.40 1 4.11 1 3.58 2 2.04 .22 2 3 2.09 5 9.26 8 12.66 3 9.98 1 4.82 .36 2 3 4 4.34 10 13.02 7 14.38 6 10.70 3 4.93 1.35 3 4 6 12.44 24 35.45 20 30.46 12 22.80 7 11.93 3 3.85 4 5 1 2.09 1 3.88 5 5.41 5 6.71 4 5.44 1 1.81 5 6 4 1.53 5 6.98 6 12.17 8 9.57 2 5.58 1 .69 6 7 7 9.76 48 67.48 72 93.13 67 92.08 42 58.43 12 20.58 7 8 1 1.03 2 5.08 10 8.41 6 8.55 2 5.86 2 1.96 8 9 21 22.43 56 70.87 59 88.48 48 61.32 24 35.34 10 13.13 9 10 5 10.12 26 34.64 31 43.07 24 41.18 28 24.65 4 4.09 10 11 3 5.06 19 23.35 28 32.67 26 31.98 12 20.72 6 10.95 11 12 4 5.70 16 22.54 23 28.53 14 22.86 11 13.10 5 3.63 12 13 4 9.88 20 29.49 29 35.39 23 27.94 12 17.09 9 6.26 13 14 12 10.52 28 34.49 29 43.20 31 33.44 9 17.43 2 3.94 14 15 5 4.82 7 15.63 14 20.54 18 16.38 8 10.10 4 4.19 15 16 17 22.90 64 77.78 59 90.15 69 76.56 31 34.75 8 10.52 16 17 7 7.10 16 20.75 17 21.58 15 17.02 5 8.47 1 .94 17 18 24 29.39 89 113.21 125 167.92 143 16.5.09 89 100.10 19 28.93 18 19 145 200.90 517 676.32 697 818.80 604 727.08 354 416.64 83 113.62 19 20 57 46.46 113 132.99 174 221.72 210 255.58 125 170.37 34 48.03 20 21 24 22.92 72 87.06 113 134.35 94 114.51 45 61.38 15 11.00 21 22 17 10.24 12 24.36 26 33.17 27 29.03 12 14.01 4 4.05 22 23 1 2.89 6 7.73 9 10.90 8 8.46 5 3.46 .51 23 24 26 25.27 53 74.26 75 79.79 50 67.35 36 41.60 21 16.69 24 25 3 3.81 15 18.88 21 33.85 27 26.84 15 11.46 4 2.34 25 26 6 4.10 16 15.64 20 22.45 19 23.65 10 15.23 2 1.78 26 27 181 206.09 247 25.5.16 141 168.93 99 110.02 37 57.20 14 16.13 27 28 1.76 6 5.26 5 5.28 3 3.95 1 .73 28 29 1 3.07 5 8.76 12 9.90 10 8.15 3 4.21 1 1.73 29 30 3 2.51 7 8.59 5 10.06 10 9.67 8 4.90 1 .74 30 31 4 3.35 6 8.24 7 12.19 13 10.34 9 6.66 1 1.85 31 32 3 4.23 15 15.93 16 14.87 9 8.66 1 2.18 32 33 7 5.46 16 13.13 5 11.40 9 7.00 2 3.35 1 .68 33 34 11 11.19 46 48.31 69 73.15 68 71.05 61 45.74 18 19.60 34 35 1.20 4 3.16 6 7.88 23 15.14 14 18.42 4 6.29 35 36 18 16.58 40 38.31 35 37.23 27 26.86 15 14.77 4 4.01 36 37 1 2.69 11 9.97 16 14.22 13 11.75 4 6.05 2 1.08 37 38 2 3.12 15 8.46 7 7.71 4 5.58 I 2.35 .88 38 39 5 5.16 26 20.16 25 26.72 20 23.03 13 11.95 3 1.87 39 40 2 2.33 7 7.54 17 10.49 7 8.56 4 6.26 3 2.12 40 41 1 1.17 8 4.92 n 6.70 2 5.35 1 2.15 .31 41 42 11 7.11 18 23.17 33 33.08 39 27.72 23 17.32 6 7.10 42 43 47 38.35 11 9.70 1 2.37 1 .45 .31 43 44 7 3.11 15 7.34 3 6.52 4 3.90 1.91 44 45 10 6.84 38 32.59 85 47.93 49 42.76 29 17.02 3 3.47 45 46 8 2.90 11 6.82 16 8.57 10 6.58 2 3.36 2 1.31 46 47 6 2.69 23 9.60 22 12.40 21 11.14 8 7.26 2 3.74 47 48 30 24.80 72 58.03 95 80.92 83 76.88 51 49.83 14 17.79 48 49 12 37.21 34 86.89 51 91.21 60 78.89 32 39.61 9 11.46 49 AU, 778 873.25 1,924 2,315.58 2,361 2,807.02 2,142 2,483.67 1,203 1,437.47 338 417.58 All. 58 TABLE XIV. FEMALE LIVES. Age at Exposed. Died. Katio of Died Age at Exposed. Died. Ratio of Died Exposure. to Expoeed. Exposure. to Exposed. 7-10 7 11 6 51 1,290 16 .01240 12 7 52 1,178 16 .01358 13 8 53 1,077 15 .01393 14 24 54 980 14 .01429 15 51 55 893 13 .01456 16 67 56 806 9 .01117 17 91 57 736 9 .01223 18 142 2 .01408 58 658 15 .02280 19 179 2 .01117 59 573 5 .00873 20 265 5 .01887 60 616 13 .02519 21 354 3 .00847 61 456 11 .02412 22 489 4 .00818 62 396 10 .02525 23 624 7 .01122 63 347 5 .01484 24 756 6 .00794 64 305 10 .03278 25 927 12 .01294 65 243 6 .02469 26 1,079 9 .00834 66 207 4 .01932 27 1,217 19 .01561 67 176 4 .02272 28 1,416 14 .00989 68 154 8 .05195 29 1,589 13 .00818 69 130 3 .02308 30 1,801 18 .00999 70 109 3 .02762 31 1,898 15 .00790 71 86 1 .01163 32 2,029 21 .01035 72 70 3 .04286 33 2,132 31 .01454 73 56 3 .05357 34 2,167 26 .01200 74 44 2 .04545 35 2,195 19 .00866 75 38 6 .15789 36 2,229 23 .01032 76 32 2 .06250 37 2,259 18 .00797 77 29 6 .20690 38 2,295 26 .01133 78 20 2 .10000 39 2,255 22 .00976 79 18 40 2,242 25 .01115 80 IS 2 .13333 41 2,195 28 .01276 81 10 5 .50000 42 2,093 18 .00858 82 5 43 2,011 29 .01442 83 4 1 .25000 44 1,969 24 .01219 84 3 45 1,908 19 .00996 85 3 1 .33333 46 1,806 17 .00941 86 2 47 1,733 15 .00866 87 2 48 1,612 24 .01489 88 2 49 1,483 6 .00405 89 2 1 .50000 50 1,398 11 .00787 90 1 1 1.00000 All, 62,680 756 .01206 59 02 o 03 Oh o « o w Q 12; « 2 o lO O U) O lO O lO o IO o to o to o 1 B i N CO 6 CO * * 6 10 6 (0 c» f. 00 00 0) !=: t ^1 H H (0 H H H (0 H (0 H (0 < C4 N CO CO * ^ in 10 fO (0 ^s ts 00 00 •* m o I-H CO ^H CO o CM o CD in CM m <» in sat^ t~ t^ ■* CO 1:~ o CM ■* 00 CM in in a> CO -* ** CO CM CM CM O I-H t- 00 CO t^ in CD 00 in CD en ^!< in o c-i ■§ « Sa (O in cm O CD *^ o 00 -* 00 e» CM CO -* CO o c^ lO 05 O o o 00 1:^ in CO CM f-H o P I-H ■^ r—\ 00 CO CO 00 lO ,_< o 05 CD I-H ^ m CM CO o CM CD o 2 oj CD r—t CM t^ ^ CO O CO in o CO o CM o CM o o O o o o I-H a> CO in -* 00 I-H in o CM CI 4 :3 a> o, r-J »"H 1— t o CM c^ in o 00 CM I-H 35^ o o o o o C> o o o O o o r~* CM CM o o> CM CO ■M ■^ on CO >* ,-H CM C on CD CO CD rH o r-H t—t ,-H f-H CO in on CD I-H iSo^ O o C5 O o o o o o o *-H CM ro r^ o m ■«i< ■^ CM I-H m •para I-H -* ! ^- -* OJ 00 r- £^ 00 CD o I-H 00 CO CD CO t^ r-t lO ■* 05 CM r* CM in o CO CM o CM in CD m CO I-H t-t 00 H CM °2| i-H o -* CM 03 •^ CD CD CM o o " a> t* ^ 00 CO OS CM CM in CO CO o t- es sal CO o> CM 00 in in ■* in CO o o l-H S S o o I-H o o f-H CM f^ CO o I-H eg o o o c> o o o o o o CI o I-H x-« o -* OS in 00 00 m CM CO CM ■para CM r-l f-H o> t- in CO CM CM O P-H CO o CD in -* o ^ s 1 CM Ttl ■^ lO 00 O 00 CD f-H en CD f-H o 1 I-H 1:- m CO in o m CO f-H 00 M I-H I-H I-H t- '•Si »— I la r-H t^ CO o o o -* f-H 00 o o •o ■* CD CO 00 CO in CO o in t~ o 00 5-gl CO CM I-H 00 I-H 00 «- o CD Oi OO o f-H »— ( I-H ,-H o I-H o I-H f-H CM ^H -^ o f-H 2SS o O o o o o cs o O o o ■*. o >o o .-H in •* CO CM o CO •^c CM CM •^ H n •para CM -* CO ■* N CO f-H fH CO "3 CM 1 o o 1^ -H -* o C3 a> CO I-H in f-H CD •n CM t^ t^ o CO 00 CM t- CM -"11 in o ■>* CO CO CO in I-H t^ Ir- 00 OS in CM 00 s f-H CO Tf CO CM --I 05 ■S o -a OJ CO CO t^ I^ in CM CM o o CM on o» CD CO O CO o I-H i-H o o I-H I-H o o CM CM I-H CT> in o f-H u Sn^ o o o o o O O o O O o O I-H in o 05 £^ CM CO Jr- CO -* CM CO (^ I-H I-H CM I-H o •para CM la CO in -<* CM f-1 ^^ CM CO *^ O t^ 00 CD CO ,_ O f-H f-4 o> l« I-H CO CM r- p^ £ t- ■* CM 1:— -|| in CM CD ^ CO in I-H I-H 00 1 t- cm" CO_ lO~ co" CM co" in cm"" CM f-H t* CM oo" CI M i O in o to Q in O 10 o IO O to O to O 1 -< N CM n CO ^ * 10 10 (0 (0 c» t» 00 OO 0> ,_r o| 1 I H 1 (0 H (0 1 H 6 1 H 6 H 1 (0 H 1 <0 1 H 1 (0 < W N N CO CO * * iO 10 <0 <0 r» t» 00 00 60 I— I pq •* £ o m O in o ■n o in o m o in o in o m m N CJ CO CO * ^ m m (O to r* c* 00 00 <3) ;=; t| C* H w H (0 H (0 H to H t^ 00 00 o a g i; ■s "S a, -5 c^ 05 o CO <-> rq -^ CO CD C^l o CO o in 05 in "^ >o 00 r—t o o f-H lO a> in CO !■- CM CO ^ -^ en N c^ c<> T—t f-H t- 00 CO CD in CO OS in CO OT i§<2 f— f T—t ^ 1— ( I— I f-H f-H o . a CO ra CD CD CO lO CM I-H in CO a> in CD CO 1^ 3 i g 0) o> 00 O CO r-t o CO O CD 1- CM o in o in ilp to CO m "i< CD 1^ I-H o 03 CO r^ CM CO ^ CO t^ < C<1 m 00 o> OT 03 CO CD in CO CM f-H CO OS'S .n t^ ra CD ^H Tl< CM I-H O CO in I-H o CM f-H o CD tfi CO CD 03 05 on t^ o ^ -H o CM -H >< .2 •« o o o !-> o O f-H 00 CO in r-H t- CM CO o CM CM tj I— t r-< I— 1 f— 1 f—t .-H o f-H f-H CM CM in o 00 CM f-H ^ l«l o o o o o o o <3 o o o q f-H CM CM q 00 o »-H c^ CO t- ■o o 00 in o in CM ir- cq 1:- •psra CO t^ o o o CD CO ^ CO CM f-H I-H 03 CD ■d I— t »o L~ <-> CO o CO t- CD CD O CD I-H m 05 •. CD in CO CM CO •paia f-H f-H '^ ■? -^ O Ir- CD rq 1* CM CO 03 ^ f* 00 CD 03 i—t ->1< cs f-H CD O in -H o in 1 cs CD t~ t- ■n CM C^l o CM CO r- CD (T! o CO CO 03 00 CD 00 03 CO CO "S CD CO lO f-H t^ in 05 00 CD CD ■^ ^ a f— * o f-H f-H CO in CO CD <§5;g O o o o O q o_ q o '~\ q ,_, r^ OS t- o in -* ^ CM r-H in ■p»!a p-f -* 1 t^ ■* 03 on r- r^ 00 CO CO I-H 00 CO CD CO o S, " i-H in ^ on t-H lO rH -* o CO CM .^ 1 C- C<1 1— CO tr~ ^ Jt* t- -H o I-H e < ■■H 2 1=^ o O o o f-H — CM CO o Sfl^ o o o o o q q q q q CM m r- f— f on I.O 1^ in o CM CO Oi •paia r-l I-H p-< r- 1:- -!(l CD -^ t^ 03 CT> lO C 00 00 CD I-H 1 r~i CO CO -* cs 00 •^ CM ^ & r- 1 r-H '-' CO •5t( r- lO 03 on t^ lO 03 O CM 00 o 03 o S o CO co ^ en t- 00 o I-H rf CM CM o t~ 5 'O p ITS '^ .— < CO r-( CD J^- f-H m CO rH o I-H . r-f I— ( I-H c-> ^H o f-H f^ Cq -H in f-H ^1 Sa^ o o o o o o o O q q q "*. q lO o lO (M 1^ CO 1^ 05 CM CO CM CM o •psra (N CO CO CO ^~* CM I-H CM o CO in 00 i lO tM CT5 lO in 't CM 00 O t- 00 CO CO o ■n CO in 00 ^ rt S ^^ CO CO CO CM f-H o s'S 1 m CO CD C^ CO I-H in o -* CO o r^ -<# o CO Oi CO f-H 00 -H C33 00 I-H O T) O .T3 m o o CM Oi CO CM 1^ CO O ^H . 9 1 §• (—1 o o (-H o o CM CM -H r-^ ^a S«^ o o o o o o q q q q q q 00 l« o ,_^ •ra t- -ii CM CD t- f-i 1— t CM f-H O li •pDia CJ in CD lO ^ CM f-H ^^ CO •d 00 tn T-t t— 1 CO rr> CO CO CM rt in I-H CO C^ o CM 00 fa » o ■M •o CM o r—i f-H CM in in f-H p t- CD , 1 on o 00 f* CM 1^ CM iS IM lO lO in CO CM I-H 1 CM ■H> ^ o If) O in n in o in O in o !» O !P. O =3 3 N N CO CO t t in in «> to ^> t> 00 00 o> < II Cs H <0 H CO H (0 H to H to H 9 H JS t» 00 ^ a g. l> (O H o c^ 'til CM d S^l to o CD CO C F-4 < So^ O o O o o o O •para 1—, N C<1 I-H rH r-l 00 i o CD o lO -:tl in (M ^ o CO o to OO o I:- 1:- -* -* CO t—t CM in s 1 %4 O ^ a> CO C<1 00 >n cq in CO -* f-H •srs o CO o CO -* CO o 1:- I-H ■* o CO CO o 05 UO 1^ CO t- O) sifi CO f-H f-H l-H i-H ^ - ^ c<< t- f— t o CO CD t^ cq t- CD lO 00 CO t- •5 "S S *§ >— 4 o I-- pi 00 00 CO OS 00 l-H CD iri CO I-H CM d CM in -< H in CO CO t~ CD e •o C) 00 r-H o CO tr- t- o -d S •■3 .2i a t- t- f-H l-H Oi CD lO io rH ^ s^ )-H o l-H r— 1 o l-H -f 00 — H o o o o O o o o o o « 00 t- o 00 ■* ■<* CO CO CM ■para l-H in ■s m c^ CD a> lO 00 t- 05 05 l-H lO 1* CM CM o tr- (M CO C<) 00 t- CO -11 CO CO CO CO CO 03 00 CO ■<* CM l-H -* S ■* . 00 CO l-H CJ CO CO o 2'S r—t e^ £- CO CO M . •<* Ol C-1 lO (M o °^t: 1— t o l-H (M m pH |P| o o o O o o •paia (M C r-t CO CO CO on o> 00 CO M in g C<1 -* f~1 e<5 00 (M t- CO l-H r* l-H c^ e^ l-H 1— 1 & f-H o CO in -* 05 CO CO l-H o> ft o 2 'S CO CO o t^ l-H 00 t- o 00 c^ .2 -o S o t- o CO (M I-H CO r- o I-H l-H -* in o o o o o O o o FiH o ■para C<1 CD lO t> CO ^ o ■* CO -<)■ •s ^ CD r- 00 05 IM -# I-H o CO 03 CM CM t- t— 1 CO en C4 O irj 05 l-H t- o> l-H 1 CI lO t- CO 1* CO I-H co~ H £ O in O in O in O m o in O ^ o « 3 M CJ CO CO * * in in to to tN r» 00 l-H t ? §• C> H o H (0 H to H (O H CO H CO -) X ^ -<1 S :^ k1 1?; m o < Q H s o in O ir> o in O m o m o in o in o i 1 CM H CO (0 n 1 H 1 1 H m (0 in 1 H (0 (0 I H 1 (0 I H 00 1 (0 00 1 H en (0 < CJ N CO CO * * in in (0 (0 l> >. 00 00 a 1— < CO 03 ^ »— ) t- 00 00 l-H OS CO CO -* 00 CO OS o to ->i' e OS OS 00 00 00 ■*. 00 •< " < l-i §1 m 1- .2 m o ■— t in p— < 00 m 00 t- CO eo 00 -* -* Jt- CO 3 . 00 •ra ■* CO CD OS CO Oi CO in la a> o 00 eo CO c^ t- CO eo -* CO o ty o cq Oi •o_ 05_ "*^ CO ^ o> co l-H to t^ £- eo OS eo O M* bS g CO ,-^ t^ c O m 00 -<(< -* in 00 eo ■"11 (D 9 ^ «o 00_ rH f-H m CD in__ 00 ■f^ in_^ CO CO t- 1— ) co~ ■>*" ■*■" -*"" -J*" eo" co" i-T eo" CO 2 i a ^ 05 in t- ■"t t- t* (35 CO f^ 1:- o eo eo t- 00 eo i lO a> r—t CO CO »—) C-1 eo i:^ l-H oo 00 p-H m OS !S J^ oo' CO ci ,_^ in CO CO CO* O oo' ^ in CO -*_ in 1— t in p— 1 in eo o CO CO l-H in_^ i-h" l-H >^ . ■u „ CO 00 1— ( o CO 00 in . 00 J;- CO OS eo t- t- n P p m g 02 t- 00 rH CO a> 00 Oi OS CO 00 CO -* CO -f in s 00 to CO t- 00 00 o -* o in CO eq CO CO p-H H 9 « ft* •4 >4 i o o o O o o 1— < p-H CO eo ■^ CO o in CO l-H o o o o o o o o o o o o 1— 1 p-H P-H O ' * - o '^ ' CO 05 t- t-H CO eo CO t- o 00 CO eo o in m 1-H - " s t- lO 05 IM a> 00 1>- ■* m -* OS 1:- o oo CO •fl< O H 2 2 "cj o t^ CO t- t^ 00 o ■* OS OS p-H t- CO m p-H g r—t o o O o o r- < l-H I-H eo -* CD o in OS P-H ^« o o o «5 o o o o o o o O P-H p-H l-H O o es Oi O 00 eo t- o -* -* tr- OS 00 ■H< o in lO «o o 00 o CD in in t- 00 ee o o o o eo ■4^ to 00^ o co_ 00__ in eo o 00 as^ co__ CO P-H co_^ CO_ t- 5 g «f 50~ oT t-T co" i~" o" oo" ^ to" co" o" e4" -piT P-H eo" 1 a> O 05 in eo 00 t- CO in l-H o eo eq 1:- l-H OS H €© lO -*_ in CO 00 o l-H m to -* in eo t- n p-T ?f CO CO ■<)l ■«*l CO CO P-H 00 ^ 05 n i m 00 ^ c<> t~ 03 CO eo o t- t~ ^" P-H -* in t- co OS o ." ii to N -* .— 1 t-H C<1 -pjl CO eo o l-H CO' o CO OS o 1 « in 05 CO f-H CO l-H eo_ co_ P-H l-H OS in CO l-H 00^ Os" lO in eo 1:* o 00 00 in CO ^H eo OS 1:- 00 o in eo 00 CO 03 CO »-H ■^ eo OS t- eo 00 lO o o CO o_ 00 ■*~ CO to "*. Tji CO ■*, OS o ■"a" p-H eo o eo ^ co" t-^ in" co" co~ eo" eo" eo oo" ■*" to os" t- t- in ■"*! ■<*l Oi CO 1— « -^ eo eo o in in CO o CO t- 00 ■«)l 1 00 (M <»_ t- CD eo o i^ 00 CO CO eo l-H ->* t- o" >n~ !>* <^ 1:^ in" -*" to" oT eo" o" oo" co" eo" i 1— 1 t- *-H in CO eo t- t- eo eo «o 00 ^ C<1 eo ■* ■* CO eo l-H ■"!< eo" 1 eo t- CO t— < 03 CO r—t t- in CO l-H in o -* to t~ <^ «5 i—i CO in C^ 00 t—i eo p-H to lO ■pji o CO '^ OS s oo__ a> t- o^ OS ■>* t~ ■* oT oo" t-^ eo" oT in" eo" oo" o" co" eo" t-T t-^ 1 cs t- eo in -1* eo c» in eo p-H CO r-t I-H f-H 1— ( 00 1 O lO O in O in O in O in o in O 2 O OS N N CO « «*« * m in u> (0 t* e> 00 00 0) 2 n 1 C^ H 1 H (0 E H 1 (0 1 H 1 (0 H 1 CO H 1 (0 H -< • 00 00 65 pq g 'A < ^ 05 o' o to o in O in O lO O S o I? o lO O 03 a 1 1 H CO 1 (0 1 H 1 1 H to 1 (0 10 H 1 (0 (0 1 H 1 (0 H 00 (0 01 H 0) CO H N N CO CO * * 10 10 (8 (O Bn t» 00 00 % 9 1 05 to 1:^ t^ 00 CO o t^ CO CM I- CM r— f-H CO in CD 03 F— 4 o Xr- -^ CD »— t i-H ■"f fH fH 00 eo ■* Ir- 1 O t* 00 00 00 00 OO 05 OS OS OS oo 00 00 ■># 00 < < < r-,' ' ' * * ^ c ^ £ t- CO 05 t- CO CO CM lO ^^ CO CM CM lO It- o 1^ o -* ->* »--( o -* CO CO 03 CO OS -* o CO CD 1^* in I f-H 00 00 CO 00 CO 00 00 00 00 CO 00 OS t-_ CO 00 CM r-* lO CD f—t 00 »— 1 CD CM eo -* OS ^ o CO 00 rH in (-H CO CO t- OS CO 00 oo lO 00 lO o t^ *s CO •rt 00__ »c 05 CM CM t- r~< -* ■^ t- OS CM CD . o i-T -<* t-^ _l OT CM 00 OS •* 00 -*' cm' os' CO 1— t -^ cd' — ^ CO t—^ o> r-t .— ( -* rfi 00 t-H ■* I:* CD I-H ■* fH CO & IM "5 o CO 1— < r—i rH co_ CM_^ OS xa CM f— » CO o" ^ „■ *j t- to 00 lO 00 03 a> ^ o 00 OS 1:* ■«c o t- in " w a CM CO r- o CM CO t* C3 00 CO o CO 00 -* -t in P in a o a 00 CD CD t- OO CO o ^ o CO CM CM eo CO f— f o o O o o o CM CO -* CO o m CO I-H o o o o o o o O o o o o r- rH fH O ' n n* 00 I— 1 t~ t- 00 00 o> ■«)( t- t- o t^ CO OS in t- J 00 t* t- o OS t- ■<* lO co 03 t^ o 00 in CO CO O H u 00 CO CO t- t- 00 o -t CTS OS CM CM t— fH m fH IS = o o o o ■ CM •>* CO o o o OS o O in o lO o t- o lO CD CO •— 1 — H o lO CO in o 00 jj o C-1 (O T-H ira -* CO -* t~ t-^ t* in CM_^ CO CO ^ CO" ifT uT co" od~ oT co" c-f lO" oo" co" CO f-T cm" I-H cm" 00 CO ■*i* r^ CO t' -■* -* CO t- 00 1— < CM t- I-H eo H 1 €© •»!< ■*_ "*~ in t~ "i. o^ -* UO eo lO CM o P »-H cT co" n co" -*" CO cm" I-H oo" ^ « i €© a 8 o» i-H o» lO t- 1— 1 o la -* 00 -* CO «o CM JI c^ .-H © S, f-T rH r-T »— « ■-* o>" "^ -^ O) 03 co CO CM r-( CO o CO o OS o O ^ Ifl" lO" O co~ cm" o- oo" CM- t-^ p f— 1 1> p— ( lO CM CM CO t- CD 00 CO CM g ^ CM CO -^ •>* CO CM r-* CM~ ^ CO t- o o 00 CD CM OS f-H lO CD o CO CO o CM 00 1 05 m 00 l^ -* -* o» -* 00 o» CO 00 00 CM CO 05 CM CD Oi CO CO OS lO CM_^ **„ ■<)< OS CM ■^ co~ c 00 00 0) 1 ^ 1 1, ti- H (0 H (O c H (0 1 H (0 H (0 H (0 H CO * 10 lO (O (0 tN c> CO 00 1 t~ CD 00 e OS OS OS 00 00 00 ■ lO «o CO in o t- O - CD co- CO C~l CO 1:^ CM o CM- OS co- CO- OS aT tj lO CD I— 1 CJ co CO oo in f-H I- o CO -* 00 CM CO H 3 ^ -- to r- 1 IM_ <— 1 CD CO in CO CM x^ ll p-T (m" co" -*" ■*- -*" CO- cf r-T os- C~l S3 < tf n 5 £^ en CO 00 I— ( 00 CO f— t C OS "^. lO I— ( CO "*. o CO in CM ■«i t-; 00 in os_ "o ^ oo' r-^ o ^ oo' o o* -4 1-^ os' os' CO f-^ ■<*' ai p— 1 »— t f~* CO in t- r^ Os_ 1^ I:^ j^ in_ CM_ CO C~l d g to" •^'■ co" oT f^ i>^ oT ^'" r-< -T o" co" f-H CM- f-H o" § a CO t^ o CD tr~ CTS CD OS in C<< CO f-H CM t~ f-H o S m CO co_ e-H 00 f-H i-t -* 00 1 t^ oo" co" pf oo" c ■* in in oo CM p-H g 1— t CO CO CO CO c^ I-H CM CM- 1 ^ o a> ■* »" CO o in -* f-4 OS 00 o eo CO o> CO o>_ CO co_ CD_ t-^ eM_ ■^ OS CM CO ff oT I— ( to" in" t-^ o" f-H t-T f-T co- o" p 1-^ la o cq e O 10 o C N N CO CO «*■ ^ "? lO O (0 t» ^ 1 1 ti H (0 H (0 H (0 H CO H CO < ■ 00 CO lO CO HjH lO lO co CO ■*. CO tf £ 1-4 05 o 05 t~ I-H 00 J> CM OS CO CO CD 05 CO O C-4 03 00 •^ CO oo o CO •«f a -*_ UO lO -* CO CO CO I-H o_ ■<*_ 00 00 3 o C<5" o~ oo" uf CO oo" lO co" t-^ ■*" o" co^ oT ^ 1 C^ N ■0< •* CO 1* o lO CO CO I-H in g s €^ r-f (N CO CO CO CO CM I-H CM 3l cm" §1 ss £* cri o N cq I-H 05 t- 00 I-H CM CO 00 s o "* o> r- I-H r-H '^ I-H CM -* 00 "*. o ri CO ,—1* oo" 00 -*' co' -f ■*' t-^ CM CD 1 1—* •a o IM cq I-H o> t> ■>* r^ t* 1— I I-H I-H r-t 1> o o o O O O o o o O o o ^ o o o O o o o o o O o in fl o I-H OS lO 00 o t- CO US O^ o I-H t 3 o" r—i r-T oT co" c< ^ n -^ o S f-4 t-* HH CO -* uo ■* -* o CM ■<»l I-H i-H ■* CO CO 00 ta lO H* CO I-H 1— 'o •* "o 0H o> o 00 o o la o o o o O cq »~ -* I-H o I-H lO o o >o o '^ •o eo ITS o CM I-H OJ a> t- Hf in CO 4J in" o « t- -<* ■o t- o 00 t- CO- 1:- 1:* CM I-H 1 o^ I-H en tn lO I-H ■* t~ 1* °i. CM co_^ Clf irT oT of oo" co" -* t^ i-T as" ^ 1— < Co r-l 00 00 CO in CM "i. o CO t^ CO 00 t- in OS to O ^ i-T t-^ cf ■^ CO o t- •* I-H m £ I-H I-H I-H r-H t- ♦J t O U) O to o 10 o lO O to O 1 N CO CO 1 1* 1* 1 lO 1 (0 1 CO 1 l> — < 11 tN H (0 H (0 H CO H CO H CO < ■<^ N M CO CO * * lO lO CO CO 68 ><1 X Hi <\ rt K o 10 O U) o in o in o m o lO o 10 N N CO CO * * in in (0 (0 tx l> 00 CO . V 1 1 1 I 1 1 1 t 1 1 ^ H t» H v> H (0 H (0 H (0 H to H to H < N a CO CO * * m in (0 to t* C". CO :^ a 00 00 ■* CO o o in l-H in OS in 00 t-H 5 eo CO CO CO 00 CO CJ r-t 1:- OS 00 ** 00 OS a CO n 00 q q e. q t- CO cq OS < ri f-H '-^ »-H cq o»« K H o a) CO m CO l-H r-t 00 cq CO OS in OS in o cq pS^ o as -<(i OS f-^ o o OS CO t- in cq 00 CO o 2 o OS t^ ±^ 00 q t-; t- co CO I:-; "^. o 00 CL* '" ^^ CO to o> CQ C 00 00 CD t- in CD cq OS i 05 ^. 00 00 in 00 CO in q t-; CO o CO q 'G 00 C5 1— 1 lO OS t^ CO co' in iri cq ci fH r^ ^ CI3 t- o l-H l-H ^— o 1:~ •^ l-H l-H (2 l-H l-H f— ) l-H 00 *i o CO o ^ (M l-H o CO cq 00 CO OS OS 00 5 S PI o t^ CO CO oo CO ■>)1 -^ m r^ OS CO cq l-H ■^ 00 f— < t^ 00 o in CO t^ in '^ 00 ■* OS CO 1 r—t o o l-H cq cq CO in -* It* f-H o S o o q q o o q q q o o o CO q Sg S H 1 * -* CO l-H l-H CO in cq o 1° t~ CO OS t~ ^ in OS CO 1^ 05 ■n CO o 00 _w 00 t^ CO CO 00 cq (M i> CI cq - a .g c^ '^ t:- I~ CO ■* cq r— 00 p CO H €» 1 M c^ t^ OS rH t- CO t^ 00 CO CO r-^ m t- 00 ■* tn rq c^ t^ c-q 00 t-- o in CO -* l-H CO I-H 00 .- (— ( o o C<1 »— i co ^_ OS un__ cq OS l-H cq "5 .5 rH -<* oo" r~ l-H os' co" -*" cq" I 1-^ to 2 O lO o m O in o m O in O 10 o in 3? 3 «D *? 1 CO 1 n 1 1 * in in 1 10 1 to tx 1 r* CO CO I < tx H (0 H (0 H (O H to H to H to H N N CO CO * * 10 lO to to c^ c* 00 69 OJ o ■O O 10 o lO O in o m o in o lo a 1 a CO 1 (0 * 1 1 in 1 U) 1 (0 1 1 tN t» 00 CO 1 1 1 1 ^ So tH H iO H (0 H (0 H u> H (0 H (0 H <1 CJ N CO CO * * in 10 (0 (0 t> C^ 00 i . ^ CO cq 00 00 ■* CO o OS OS ce -* 9 o i~ CJ ^ CO OS 00 CM ■* p-H OS o eo liO CM eo ■<)i o 5 o '3 ■* O o o -<* C<1 CO CO no CO eo &"• ;3 a> ■* "^ oq IM I~; CD -* o lO t- (2 ■^ c-i ^" ■-' f— < •-' r-i f— I l-H CM l-H eo J> I- c<> CO O CO ■* 00 ^H in , o 00 in ■* p— 1 ■* lO ^H p— Hj" CO o a CM o CO e; CM in !§ ci in r-4 00 ce' CO l-H l-H r— ( CO co' l-H l-H «i CO Cl O O 00 o -* CO I~ CM O a eo r^ o >o CO in O l-H lO OO CM S3 d 9 O 5 't 05 l-H CO o r-t CO CO CO lO ■>f CO t— 1 l-H l-H »~ CM pH CM p-H « g o O o o o o c> o o o o ° Pi 2 1^ <»' o ■^ CO -* ^H in eo 00 OS o -* H - .Si ■^ CO 1:^ 1' r—* 00 o CO o t- 5 ^ .5 oo 35 r—t lO ,-H 00 o eo eo o co 1 CO p-t — • l-H CM CM CM 00 P-H o O c> o o o o o o o o o o o lO o o o o o o in lO lO >n C4 o o lO o o o c^ ^ t- CO t- CO o 00 co_ o m l-H CM •< § Oi ci" o" c^ pi t-^ lO" o" V p-l" co" o 4 (0 eo eo T* O e< f^ n «o CM ^ n fl H 5 1 eo t- 00 ■»)l ^H CO OJ CM H* w m p— * eo e<< CO C* 05 CO o> l-H 05 •- ->J< p-H eo 1 N CO t- r~1 OS ^ 00 l-H CM "L f» rH* cf eo" e co 1— t CM t^ CM CO eo 0) •* l-H t* CM OS lO rH lO r^ ef C^ l-H l-H o r-i Pi ■g S O lO O in O U) O in o in o m o m ! g N PI m w >*< * m in (0 (0 l> C^ 00 00 ?f 1 tl 1 H 1 1 H 1 1 H 1 (0 1 H 1 (0 1 H 1 1 1 1 «0 H (0 H < ^ M N CO CO * * in in (0 <0 t* l> 00 70 TABLE XXVI. (a) PREMIUM PAYING LIFE POLICIES AND AMOUNTS ON MALE LIVES, BY GROUPS OF AGES AND OF YEARS OF INSURANCE. Agee at Years of Exposed. Cbasbd bt Death. Probable Lossbs, American Table. Ratio op Actual TO Probablb. Expoeare. Insurance. Number. Amount. No. Amount. Number. Amount. No. Amt. 7-20 1-5 2,686 $6,978,625 27 $63,900 20.80 $54,021 1.298 1.183 6-10 148 476,700 1 3,000 1.14 3,698 .877 .811 11-15 6 12,000 .05 94 21-30 1-5 69,145 209,317,591 441 1,306,000 567.66 1,719,171 .777 .760 6-10 9,995 30,050,614 107 337,800 82.75 249,056 1.293 1.356 11-15 692 1,745,830 11 33,500 5.72 14,467 1.923 2.316 16-20 30 71,000 .26 5S9 21-25 1 5,000 .01 42 31-40 1-5 143,234 446,334,086 1,021 3,222,895 1,299.19 4,051,694 .786 .795 6-10 66,043 200,394,263 582 1,778,425 605.47 1,836,016 .961 .969 1115 17,325 50,059,941 175 511,850 161.44 466,362 1.084 1.098 16-20 1,489 3,731,475 12 22,300 14.08 35,380 .852 .630 21 25 144 310,080 2 5,000 1.37 2,923 1.460 1.711 26-32 15 32,400 .15 302 41-50 1-5 99,828 338,969,569 876 2,955,095 1,133.34 3,857,957 .773 .766 6-10 75,418 236,859,633 791 2,615,437 862.54 2,718,548 .917 .962 11-15 41,665 114,517,474 444 1,254,087 481.68 1,324,329 .922 .947 16-20 12,561 32,720,144 142 418,750 149.23 388,041 .952 1.079 21-25 3,729 9,275,675 43 111,950 46.02 114,579 .934 .977 26-32 464 1,015,925 6 12,000 5.92 12,925 2.397 .862 51-60 1-5 38,078 133,688,479 586 2,176,860 700.32 2,453,313 .837 .887 6-10 39,377 133,039,982 756 2,619,853 734.75 2,483,577 1.029 1.055 11-15 27,111 80,081,102 400 1,193,562 513.35 1,520,082 .779 .785 16-20 13,233 33,628,789 241 653,462 252.46 644,036 .955 1.015 21-25 9,814 23,370,615 159 424,100 193.43 459,003 .822 .924 26-32 4,352 10,188,660 73 178,860 90.32 210,799 .808 .848 61-70 1-5 5,464 17,688,908 126 380,700 187.71 607,017 .671 .627 6-10 10,284 33,489,631 361 1,273,750 387.52 1,253,660 .932 1.016 11-15 8,762 24,282,442 302 890,510 341.39 938,041 .885 .949 16-20 5,154 12,868,975 183 453,750 202.72 502,045 .903 .904 21-25 5,275 12,436,395 214 568,800 210.54 493,496 1.016 1.153 26-32 4,098 9,285,855 130 314,900 166.86 379,173 .779 .830 71-80 1-5 39 90,100 2 2,800 3.00 6,861 .667 .408 6 10 300 873,850 18 42,400 23.07 66,576 .780 .637 11-15 939 2,328,728 59 138,100 74.76 184,299 .789 .749 16-20 924 2,071,181 56 119,564 81.41 181,316 .688 .659 21-25 1,208 2,649,200 98 219,100 106.54 232,813 .920 .941 26-32 1,053 2,338,870 89 213,325 94.44 210,381 .942 1.014 81-90 11-15 9 26,200 3 6,200 1.54 4,693 1.948 1.321 16-20 31 48,550 5 14,000 5.64 8,875 .887 1.577 21-25 105 209,650 15 24,650 20.41 39,507 .735 .624 26-32 127 271,600 18 39,000 28.85 60,073 .624 .649 71 TABLE XXVI. (b) PREMIUM PAYING LIFE POLICIES AND AMOUNTS ON MALE LIVES, BY YEARS OF INSURANCE. Years of Exposed. Ceased by Death. Probable Losses, AaEBicAK Tabus. Ratio of Actual TO Pbobable. Years of Insurance. Number. Amount. No. Amount. Number. Amount. No. Amt. Insuraijct-, 1 95,883 $305,676,243 667 $2,143,805 983.84 $3,174,520 .678 .675 1 2 79,125 255,580,600 659 2,161,590 839.87 2,748,227 .785 .787 2 3 68,818 222,597,917 588 1,824,500 756.41 2,479,655 .777 .736 3 4 60,818 196,447,010 597 2,019,155 693.60 2,271,509 .861 .889 4 5 53,830 172,765,588 568 1,959 200 638.30 2,076,123 .890 .944 5 1-5 358,474 1,153,067,358 3,079 10,108,250 3,912.02 12,750,0.34 .787 .793 1-5 6 48,707 155,283,899 614 2,118,540 602.18 1,946,799 1.020 1.088 6 7 44,346 140,734,239 520 1,700,973 571.80 1,839,288 .909 .925 7 8 40,141 126,548,441 554 1,846,197 540.82 1,727,860 1.024 1.068 8 9 35,907 112,423,806 500 1,621,905 505.14 1,603,290 .990 1.012 9 10 32,464 100,194,288 428 1,383,050 477.30 1,493,894 .897 .926 10 6-10 201,565 635,184,673 2,616 8,670,665 2,697.24 8,611,131 .970 1.007 6-10 11 28,448 85,411,831 377 1,147,262 436.16 1,322,872 .864 .867 11 12 23,774 68,970,997 322 1,046,100 379.06 1,102,731 .849 .949 12 13 18,653 50,883,842 276 766,537 309.94 840,622 .890 .912 13 14 14,646 39,020,056 236 622,810 254.49 670,146 .927 .929 14 15 10,988 28,766,991 183 445,100 200.28 515,996 .914 .863 15 11-15 96,509 273,053,717 1,394 4,027,809 1,579.93 4,452,367 .882 .905 11-15 16 8,440 21,974,189 153 411,500 160.72 412,994 .952 .996 16 17 7,380 19,050,334 165 454,762 148.81 377,567 1.109 1.204 17 18 6,627 16,862,607 108 288,050 141.43 353,911 .764 .814 18 19 5,798 14,500,532 119 298,964 130.82 318,900 .910 .937 19 20 5,177 12,752,452 94 228,550 124.02 296,910 .758 .770 20 16-20 33,422 85,140,114 639 1,681,826 705.80 1,760,282 .905 .955 16-20 21 4,723 11,465,427 107 282,700 120.01 283,381 .892 .998 21 22 4,389 10,553,627 107 281,400 117.69 276,637 .909 1.017 22 23 4,064 9,652,327 99 256,150 116.18 268,831 .852 .953 23 24 3,739 8,792,927 121 301,750 114.59 263,116 1.056 1.147 24 25 3,361 7,792,307 97 231,600 109.85 250,398 .883 .925 25 21-25 20,276 48,256,615 531 1,353,600 578.32 1,342,363 .918 1.008 21-25 26 3,062 7,055,957 98 251,650 106.58 241,646 .919 1.041 26 27 2,737 6,279,757 77 185,550 101.99 230,742 .755 .804 27 28 2,216 5,072,257 60 146,810 88.77 200,341 .676 .733 28 29 1,374 3,156,777 47 98,475 57.12 131,297 .823 .750 29 30 545 1,205,812 24 54,000 23.66 52,231 1.014 1.034 30 31 162 335,750 9 16,600 7.85 16,032 1.146 1.035 31 32 13 27,000 1 5,000 .57 1,364 1.754 3.666 32 26-32 10,109 23,133,310 316 758,085 386.54 873,653 .818 .868 26-32 All, 720,355 $2,217,835,787 8,575 $26,600,235 9,859.85 $29,789,830 .870 .893 All. 72 TABLE XXVII. (a) PREMIUM PAYING ENDOWMENT POLICIES AND AMOUNTS ON MALE LIVES, BY GROUPS OF AGES AND OF YEARS OF INSURANCE. Ageeat Exposure. Years of Insurance. Exposed. Ckaseo bt Death. Probable I>osse3, Amebican Table. Ratio ot Actual TO Pbobablb. Nnmber. Amoant. No Amount. Number. Amount. Nnmber. Amonnt. 7-20 1-5 1,484 $2,921,579 11 $20,000 11.48 $22,614 .958 .884 6-10 69 114,000 .55 886 21-30 1-5 15,876 37,498,947 88 183,250 129.47 306,276 .680 .598 6-10 3,383 7,356,695 22 47,800 27.90 60,766 .789 .787 11-29 115 240,216 1 2,000 .94 1,996 1.064 1.002 31-40 1-5 17,602 49,784,540 86 322,000 158.77 449,939 .542 .716 6-10 9,611 25,419,000 52 127,300 87.47 231,601 .694 .550 11-29 1,155 3,967,750 12 27,000 10.61 27,276 1.131 .990 41-50 1-5 9,202 29,658,125 54 184,100 103.76 334,911 .520 .560 6-10 7,871 23,746,855 47 152,600 89.68 271,338 .524 .562 11-29 1,500 4,138,085 8 22,100 17.19 47,781 .466 .463 51-60 1-5 2,350 9,207,650 18 79,800 40.99 161,089 .439 .496 6-10 3,383 11,542,800 46 160,100 61.89 214,750 .743 .746 11-29 832 2,519,150 10 21,200 15.50 47,377 .645 .447 61-70 1-5 106 362,950 2 3,000 3.50 11,930 .571 .251 6-10 384 1,461,500 13 78,000 13.33 50,680 .976 1.539 11-29 104 379,500 1 2,000 3.43 12,626 .292 .168 73 TABLE XXVII. (b) PREMIUM PAYING ENDOWMENT POLICIES AND AMOUNTS ON MALE LIVES, BY YEARS OF INSURANCE. Tears of Ineurance. EXPOSKD. Ckasxd et Death. Probable Lob^ks. Americak Table. Ratio of Actual TO Probable. Years Of Insurance. Number. Amoant. No. Amount. Number. Amount. Number. Amount. 1 12,400 $33,820,537 70 $209,150 113.70 318,772 .616 .656 1 2 10,425 29,050,810 49 152,100 98.16 282,041 .499 .539 2 3 8,952 25,017,248 50 148,300 86.40 249,996 .579 .593 3 4 7,904 22,131,623 42 146,600 78.53 228,253 .535 .642 4 5 6,939 19,413,573 48 136,000 71.18 207,697 .674 .655 5 1-5 46,620 129,433,791 259 792,150 447.97 1,286,759 .578 .616 1-5 6 6,303 17,647,978 48 144,900 66.88 195,634 .718 .741 6 7 5,773 16,168,998 37 103,500 63.37 185,249 .584 .559 7 8 5,076 14,230,878 27 89,500 58.06 170,151 .465 .526 8 9 4,185 11,984,348 28 77,000 50.24 151,702 .557 .508 9 10 3,364 9,608,648 40 150,800 42.27 127,285 .946 1.185 10 6-10 24,701 69,640,850 180 565,700 280.82 830,021 .641 .682 6-10 11-29 3,706 10,244,701 32 74,300 47.67 137,056 .671 .542 11-29 All, 75,027 209,319,342 471 1,432,150 776.46 2,253,836 .607 .635 All. 74 TABLE XXVIII. (a) PAID POLICIES AND AMOUNTS ON MALE LIVES ISSUED IN LIEU OP POLICIES SURRENDERED, BY GROUPS OF AGES AND OF YEARS OP INSURANCE. Exposed. Ceased by Death. Probable Losses, American Tabue. Ratio op Actual TO Probable. Ages at Exposure. Years of Insurance. Number. Amonnt. No. Amount. Number. Amount. Number. Amount 7.20 1-5 122 $56,181 .95 $435 21-30 1-5 4,6.57 2,347,124 38 $31,109 38.34 19,345 .991 1.608 610 443 184,377 3 1,312 3.68 1,524 .815 .861 11-19 6 2,383 .05 20 31-40 1-5 15,486 10,238,650 110 91,402 141.27 93,603 .779 .976 6-10 3,795 1,901,813 20 8,231 34.93 17,534 .573 .469 11-19 127 56,572 2 460 1.18 527 1.695 .873 41-50 1-5 15,230 11,198,147 166 138,632 174.18 127,845 .953 1.084 6-10 5,284 2,830,552 48 39,819 60.49 32,550 .794 1.223 11-19 266 117,032 3.08 1,363 51-60 1-5 8,437 6,186,531 121 114,041 158.55 115,152 .763 .990 6-10 2,922 1,601,385 48 33,586 55.69 30,544 .862 1.100 11-19 162 88,328 3.02 1,716 61-70 1-5 2,212 1,552,890 68 45,541 84.38 59,406 .687 .767 6-10 883 428,716 23 11,500 33.99 16,242 .677 .708 11-19 62 30,642 2.47 1,183 71-80 1-5 99 68,406 8 6,301 7.92 5,235 1.010 1.204 6-10 73 45,846 2 827 5.47 3,517 .366 .235 11-19 10 10,465 1.01 1,077 81-90 1-5 6-10 6 4,208 4 2,354 .98 696 4.082 3.382 11-19 2 2,000 .33 333 76 TABLE XXVIII. (t>) PAID POLICIES AND AMOUNTS ON MALE LIVES, ISSUED IN LIEU OF POLICIES SURRENDEUED, BY YEARS OF INSURANCE. Years of Insurance. Exposed. Cbased by Death. Probable Lospes, A.MERICAN Table. Katio of Actual TO Pkobablk. Years of InHir«nce. Number. Amount. No. Amount. Number. Amount. Number. Amount. 1 13,319 $10,092,168 141 $154,829 168.48 $130,262 .837 1.189 1 2 10,711 7,469,509 115 82,754 138.30 98,047 .832 .844 2 3 8,944 5,933,946 99 81,613 118.28 79,836 .837 1.022 3 4 7,389 4,664,924 84 64,169 100.13 64,716 .839 .992 4 5 5,886 3,491,590 66 46,015 81.38 48,856 .811 .942 5 1-5 46,249 31,652,137 505 429,380 606.57 421,717 .833 1.018 1-5 6 4,536 2,498,666 61 49,745 63.81 35,150 .956 1.415 6 7 3,380 1,780,805 34 25,004 48.41 25,778 .702 .970 7 8 2,654 1,327,986 20 9,099 38.98 19,605 .513 .464 8 9 1,826 890,261 14 6,366 27.63 13,569 .507 .469 9 10 1,004 494,971 15 5,061 15.42 7,809 .973 .648 10 6-10 13,400 6,992,689 144 95,275 194.25 101,911 .741 ,935 6-10 11-19 635 307,422 2 460 11.14 6,219 .180 .074 11-19 All, 60,284 $38,952,248 651 $525,115 811.96 $529,847 .802 .991 All. 76 TABLE XXIX. (a) TERM POLICIES AND AMOUNTS ON MALE LIVES, BY GROUPS OP AGES AND OP YEARS OP INSURANCE. Exposed. Ceased bt Death. Probable Losses, American Table. Ratio of Actual TO Probable. Ages at Exposure. Years of Insurance. Number. Amount. No. Amount Number. Amount. Number. Amount. 7-20 1-5 3.34 $277,000 13 $9,750 2.60 $2,149 5.000 4.537 6-10 4 7,000 .04 54 21-30 1-5 4,082 4,186,571 63 61,900 33.21 34,175 1.897 1.811 6-10 258 251,000 2 1,200 2.13 2,068 .939 .580 31-40 1-5 3,471 5,428,737 49 63,325 31.32 49,152 1.564 1.288 6-10 483 703,750 6 11,000 4.40 6,405 1.364 1.717 41-50 1-5 1,853 3,648,000 38 45,950 21.05 41,635 1.805 1.104 6-10 326 663,650 4 7,500 3.68 7,559 1.087 .992 51-60 1-5 560 1,150,300 13 29,500 9.84 19,721 1.321 1.496 6-10 131 268,350 3 5,000 2.34 4,701 1.282 1.064 61-70 1-5 18 31,400 2 1,100 .66 1,186 3.030 .927 6-10 11 21,200 .34 694 77 TABLE XXIX. (b) TERM POLICIES AND AMOUNTS ON MALE LIVES, BY YEARS OF INSURANCE. Exposed. Ceased by Death. Probable Losses, American Table. Ratio oy Actual TO Probable. Years of Insurance. Years of Insurance. Number. Amount. No. Amount. Number. Amount. Number. Amount. 1 4,053 $5,313,247 98 $104,625 37.53 $51,466 2.611 2.033 1 2 2,468 3,448,737 34 44,650 23.36 34,127 1.455 1.308 2 3 1,652 2,513,062 16 20,950 16.05 25,640 .977 .817 3 4 1,207 1,930,737 19 29,600 12.12 20,386 1.568 1.452 4 5 938 1,516,225 11 11,700 9.62 16,399 1.143 .713 5 1-5 10,318 14,722,008 178 211,525 98.68 148 018 1.804 1.429 1-5 6-10 1,213 1,914,950 15 24,700 12.93 21,481 1.160 1.150 6-10 All, 11,531 $16,636,958 193 $236,225 111.61 $169,499 1.729 1.394 All. 78 TABLE XXX. PREMIUM PAYING LIFE POLICIES AND AMOUNTS ON FEMALE LIVES. SUMMARY BY GROUPS OF AGES. Ages at Exposure. Exposed. Ceased by Death. Ratio op Ceased by Death to Exposed. Ages at Exposure. Policies. Amount. Policies. Amount. Policies. Amount. 7-20 21-25 26-30 31-35 36-40 41-45 46-50 51-55 56-60 61-65 66-70 71-75 76-80 81-85 86-90 664 2,739 6,109 8,936 9,638 8,798 6,999 4,850 3,025 1,665 791 294 113 25 9 $1,677,960 6,434,193 13,874,748 20,483,770 21,833,302 19,498.312 15,197,101 10,510,043 6,226,265 3,419,755 1,459,602 515,650 170,500 40,400 10,500 8 26 67 94 103 109 65 69 50 37 21 15 13 7 2 $16,000 55,200 160,000 195,279 242,300 237,650 122,850 171,450 88,050 90,625 33,500 36,000 17,000 10,900 2,300 .01205 .00949 .01097 .01052 .01069 .01239 .00929 .01423 .01653 .02222 .02655 .05102 .11504 .28000 .22222 .00954 .00858 .01153 .00953 .01110 .01219 .00808 .01631 .01414 .02650 .02295 .06981 .09971 .26980 .21905 7-20 21-25 26-30 31-35 36-40 41-45 46-50 51-55 56-60 61-65 66-70 71-75 76-80 81-85 86-90 All, 54,655 $121,352,101 686 $1,479,104 .01255 .01219 AIL 7y TABLE XXXI. PREMIUM PAYING ENDOWMENT POLICIES AND AMOUNTS ON FEMALE LIVES. SUMMARY BY GROUPS OP AGES. Exposed. CSASIO BT DKATU. Ratio of < Death to [Jeased by Exposed. Agea at Exposare. Ages at Exposure. Policies. Amount. Policies. Amount. Policies. Amount. 7-20 140 $169,500 7-20 21-25 308 512,528 6 $7,507 .01948 .01465 21-25 26-30 674 1,195,400 5 11,000 .00742 .00920 26-30 31-35 888 1,614,000 9 19,000 .01014 .01177 31-35 36-40 795 1,496,350 4 6,000 .00503 .00401 36-40 41-45 616 1,282,525 2 6,000 .00325 .00468 41-45 46-50 438 938,125 2 2,000 .00457 .00213 46-50 51-55 221 544,500 51-55 56-60 100 323,500 56-60 61-65 27 97,000 61-65 66-70 66-70 71-75 71-75 76-80 76-80 81-85 81-85 86-90 86-90 AU, 4,207 1 $8,173,428 28 $51,507 .00666 .00630 All. 80 TABLE XXXII. PAID-UP POLICIES AND AMOUNTS ON FEMALE LIVES. SUMMARY BY GROUPS OF AGES. Ages at E7.^08ure. Exposed. Ceased bt Deatu. Ratio of Death to Ceased by Exposed. Ages at Exposure. Policies. Amount. Policies. Amount. Policies. Amount. 7-20 16 $6,281 7-20 21-25 72 26,857 2 $545 .02778 .02029 21-25 26-30 331 149,090 26-30 31-35 682 242,266 8 3,069 .01173 .01267 31-35 36-40 944 354,886 7 1,422 .00742 .00401 36-40 41-45 913 335,869 10 5,463 .01095 .01627 41-45 46-50 690 236,626 8 3,677 .01159 .01554 46-50 51-55 440 142,832 4 704 .00909 .00493 51-55 56-60 263 120,471 5 1,405 .01901 .01166 56-60 61-65 134 49,890 7 2,618 .05224 .05248 61-65 66-70 34 11,104 3 1,297 .08824 .11680 66-70 71-75 4 922 71-75 76-80 2 1,176 76-80 81-85 81-85 86-90 86-90 All, 4,524 $1,678,270 54 $20,200 .01194 .01204 All. 81 TABLE XXXIII. TERM POLICIES AND AMOUNTS ON FEMALE LIVES. SUMMARY BY GROUPS OF AGES. Ages at Exposure. Exposed. Ceased by Death. Ratio op ( Death to Leased by Exposed. Ages at Exposure. Policies. Amount. Policies. Amount. Policies. Amount. 7-20 60 $63,700 1 $4,000 .01667 .06279 7-20 21-25 86 101,650 21-25 26-30 102 147,760 3 3,140 .02941 .02125 26-30 31-35 75 161,300 2 6,500 .02667 .04030 31-35 36-40 74 125,400 1 5,000 .01351 .03987 36-40 41-45 45 63,700 1 1,000 .02222 .01570 41-45 46-50 42 46,250 46-50 51-55 34 36,800 1 500 .02941 .01359 51-55 56-60 10 12,200 56-60 61-65 61-65 66-70 66-70 71-75 71-75 76-80 76-80 81-85 81-85 86-90 86-90 All, 528 $758,760 9 $20,140 .01705 .02654 All. 82 TABLE XXXIV. DISCONTINUED PREMIUM PAYING LIFE POLICIES ON MALE LIVES. SUMMARY BY YEARS OP INSURANCE. Exposed Less Died. DlBCONTINUKD. Per Cemt. Tears of DlBCONTINUKD. Tears of Insurance. Insurance. Policies. Amount. Policies. Amount. Policies. Amount. 1 95,216 $303,532,438 14,070 $41,273,488 14.78 13.60 1 2 78,466 253,419,010 7,623 23,890,060 9.72 9.43 2 3 68,230 220,773,417 5,591 17,956,257 8.19 8.13 3 4 60,221 194,427,855 4,403 14,127,567 7.31 7.27 4 5 53,262 170,806,388 3,030 9,748,889 5.69 5.71 5 6 48,093 153,165,359 2,206 7,090,300 4.59 4.63 6 7 43,826 139,033,266 1,867 5,978,075 4.26 4.30 7 8 39,587 124,702,244 1,445 4,775,374 3.65 3.83 8 9 35,407 110,801,901 1,127 3,945,848 3.18 3.56 9 10 32,036 98,811,238 831 2,801,781 2.59 2.84 10 11 28,071 84,264,569 746 2,412,525 2.66 2.86 11 12 23,452 67,924,897 568 1,886,879 2.42 2.78 12 13 18,377 50,117,305 358 1,017,200 1.95 2.03 13 14 14,410 38,397,246 246 692,200 1.71 1.80 14 15 10,805 28,321,891 166 455,250 1.54 1.61 15 16 8,287 21,562,689 84 249,850 1.01 1.16 16 17 7,215 18,595,572 63 183,700 .87 .99 17 18 6,519 13,574,557 49 122,550 .75 .74 18 19 5,679 14,201,568 35 91,800 .62 .65 19 20 5,083 12,523,902 30 82,175 .59 .66 20 21 4,616 11,182,727 25 61,750 .54 .55 21 22 4,282 10,272,227 18 53,100 .42 .52 22 23 3,965 9,396,177 12 37,950 .30 .40 23 24-32 16,675 38,427,109 47 118,300 .28 .31 24-32 All, 711,780 $2,191,235,552 44,640 $139,052,868 6.27 6.35 All. SUMMARY BY AGES AT ISSUE. Agea at Exposed Less Died. DlSCONTINTED. Peu DiSCON Cent. riNUED. Ages at Issue. Issue. Policies. Amount. Policies. Amount. Policies. Amount. 7-25 61,700 $180,120,610 4,880 $14,264,775 7.91 7.92 7-25 26-35 276,454 815,892,290 17,763 53,396,805 6.43 6.54 26-35 36-45 244,470 767,671,594 14,705 46,859,100 6.02 6.10 36-45 46-55 106,701 355,770,326 6,155 20,790,853 5.77 5.84 46-55 56o',l 22,455 71,780,732 1,137 3,741,335 5.06 5.21 OO O.er. AH, 711,780 $2,191,235,552 44,640 $139,052,868 6.27 6.35 All. 83 TABLE XXXV. DISCONTINUED PREMIUM PAYING ENDOWMENT POLICIES ON MALE LIVES. SUMMARY BY YEARS OF INSURANCE. Years of Exposed Less Died and Expired. Discontinued. Per Cent. Discontinued. Tears of Insurance. Policies. Amount. Policies. Amount. Policies. Amount. 1 12,330 $33,611,387 1,709 $4,018,077 13.86 11.95 1 2 10,376 28,898,710 1,274 3,490,712 12.28 12.08 2 3 8,902 24,868,948 854 2,368,825 9.59 9.53 3 4 7,862 21,985,023 725 2,053,450 9.22 9.34 4 5 6,890 19,277,073 424 1,168,895 6.15 6.06 5 6 6,253 17,499,078 307 855,080 4.91 4.89 6 7 5,735 16,063,998 297 845,720 5.18 5.26 7 8 5,044 14,130,678 246 690,630 4.88 4.89 8 9 4,132 11,820,348 232 752,600 5.61 6.37 9 10 2,999 8,399,548 143 368,425 4.77 4.39 10 11 2,034 5,705,763 87 230,050 4.28 4.03 11 12 1,000 2,777,288 48 143,350 4.80 5.16 12 13 298 740,100 13 28,200 4.36 3.81 13 14-29 120 269,750 1 2,500 .83 .93 14-29 All, 73,975 $206,047,692 6,360 $17,016,514 8.60 8.26 All. SUMMARY BY AGES AT ISSUE. Ages at Exposed Les s Died and Expired. Discontotoed. Per DlSCONH Dent. riNUED. Ages at Issue. Policies. Amount. Policies. Amount. Policies. Amount. 7-25 16,231 $36,396,051 1,870 $4,190,805 11.52 11.51 7-25 26-35 30,535 81,837,516 2,725 7,160,584 8.92 8.75 26-35 36-45 19,758 61,266,575 1,333 4,077,925 6.75 6.66 36-45 46-55 6,974 24,835,150 403 1,491,200 5.78 6.00 46-55 56orr. 477 1,712,400 29 96,000 6.08 5.61 OD Ovpr. All, 7.3,975 $206,047,692 6,360 $17,016,514 8.60 8.26 All. 84 TABLE XXXVI. PREMIUM PAYING LIFE POLICIES ON MALE LIVES. PER CENT. DISCONTINUED OF BUSINESS TAKEN IN YEARS STATED. SUMMARY BY YEARS OF INSURANCE. Years of Insurance. 1846- 1864. 1865- 1869. 1870-1877. 1846- 1877. Years of Insurance. Policies. Amount. Policies. Amount. Policies. Amount. Policies. Amount. 1 12.13 11.13 14.33 12.98 18.39 16.60 14.78 13.60 1 2 8.48 8.14 9.32 9.04 11.99 11.34 9.72 9.43 2 3 7.06 6.89 7.98 7.85 10.36 10.11 8.19 8.13 3 4 5.64 5.49 7.98 7.66 9.00 8.91 7.31 7.27 4 5 5.17 5.24 5.44 5.35 7.58 7.50 5.69 5.71 5 6 4.08 4.10 4.35 4.37 6.89 6.73 4.59 4.63 6 7 3.57 3.46 4.28 4.36 6.97 6,69 4.26 4.30 7 8 2.70 2.73 4.11 4.22 6.96 6.94 3.65 3.83 8 9 2.24 2.31 4.06 4.44 3.18 3.56 9 10 1.78 1.77 3.46 3.69 2.59 2.84 10 11 1.95 1.99 3.59 3.76 2.66 2.86 11 12 1.72 1.88 3.76 4.15 2.42 2.78 12 13 1.71 1.77 2.99 3.02 1.95 2.03 13 14-32 .89 .98 .89 .98 14-32 All, 4.10 4.04 7.00 6.81 12.05 11.29 6.27 6.35 All. SUMMARY BY AGES AT ISSUE. Ages at 1846- 1864. 1865- 1869. 1870-1877. 1846- 1877. Ages at Issue. Policies. Amount. Policies. Amount. Policies. Amount. Policics. Amount. 7-25 5.75 5.68 8.09 8.12 12.51 12.43 7.91 7.92 7-25 26-35 4.25 4.21 7.62 7.61 11.80 11.08 . 6.43 6.54 26-35 36-45 3.85 3.74 6.77 6.52 12.56 11.64 6.02 6.10 36-45 46-55 3.56 3.58 6.25 5.80 11.41 10.72 5.77 5.84 46-55 56 „r.. 2.83 2.73 4.60 4.73 11.41 10.12 5.06 5.21 56 o"°r. All, 4.10 4.04 7.00 6.81 12.05 11.29 6.27 6.35 All. 85 TABLE XXXVII. PREMIUM PAYING ENDOWMENT POLICIES ON MALE LIVES. PER CENT. DISCONTINUED OF BUSINESS TAKEN IN YEARS STATED. SUMMARY BY YEARS OF INSURANCE. Years of 1849- 1864. 1865- 1869. 1870-1877. 1849- 1877. Years of Insurance. Policies. Amount. Policies. Amount. Policies. Amount. Policies. Amonnt. 1 10.88 9.65 13.08 11.52 15.49 13.01 13.86 11.95 1 2 2.29 1.65 11.22 11.27 14.94 14.45 12.28 12.08 2 3 5.51 9.32 8.64 8.74 12.02 11.63 9.59 9.53 3 4 V.56 7.83 8.67 8.88 10.76 10.78 9.22 9.34 4 5 4.59 5.58 5.61 5.41 7.88 8.29 6.15 6.06 3 6 2.94 2.03 4.34 4.47 7.01 6.72 4.91 4.89 6 7 4.62 4.76 7.88 8.07 5.18 5.26 7 8 1,04 .43 4.53 4.63 7.67 7.54 4.88 4.89 8 9 5.75 6.49 5.61 6.37 9 10 2.33 3.27 4.84 4.42 4.77 4.39 10 11 3.61 5.09 4.31 3.99 4.28 4.03 11 12 4.05 5.72 4.86 5.12 4.80 5.16 12 13 1.67 1.83 5.04 4.26 4.36 3.81 13 14-29 .83 .93 .83 .93 14-29 All, 3.74 4.19 7.68 7.53 12.00 11.28 8.60 8.26 All. SUMMARY BY AGES AT ISSUE. Ages at 1849- 1864. 1865- 1869. 1870-1877. 1849- 1877. Ages at Policies, Amount. Policies. Amount. Policies. Amonnt. Policies. Amount. 7-25 6.45 9.39 10.63 10.80 13.71 13.57 11.52 11.51 7-25 26-35 4.15 4.11 8.07 8.17 11.94 10.94 8.92 8.75 26-35 36-45 1.93 2.44 6.12 6.10 10.08 9.78 6.75 6.66 36-45 46-55 5.15 5.86 4.86 5.17 11.37 11.47 5.78 6.00 46-55 56 o-r. 5.32 4.65 8.33 10.88 6.08 5.61 56 „","1 All, 3.74 4.19 7.68 7.53 12.00 11.28 8.60 8.2G All. 87 89 Diagram II. ^OMPJNVS EXPERIENCE CowpamI irif/i STANDARD MORTALITY TABLES. 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