A

Accounting Department, 203
Accumulation at Interest, 65-67
Accumulation Dividends, 172
Actual Rates of Interest, 56-58
Actuarial Department, 205
Actuaries Table, 40

Adequate Premiums Necessary, 7
Administrator as Claimant, 181
Adverse Selection; Mortality, 48
Agencies, General, 209
Agencies, Small Local, 210
Agency, Supervision, 207
Agency Systems, 209

Agents, Companies without, 208
Agents' Report, 34
Aggregate Tables, 131

Aggregate Tables. See Mortality.
American Exp. Table, 40, 85, 223
Amortization of Bonds, 190
Amount of Annuity Certain, 76
-of I at Interest, 78, 218
-of I per Annum, 220
Annual Dividends, 172
-Premiums, III-113
-Statements, 183-197

Annuitants, Mortality, 45
Annuities, 28-30, 98

-Amount of Annuity Certain, 76
-Certain, 73-77

-Certain, Interest and, 65-81
-Certain Due, 74

-Complete, 143,

-Commutation Columns, 104, 224

-Deferred, 29, 75, 101

-Due, 74, 100

-Guaranteed Minimum Payts., 29

-Joint Life, 144

Last Survivor, 29

-Life, 100

-m Times a Year, 102

-Perpetual, 76

-Questions, 80, 108

-Relationship to Assurance, 110

-Reversionary, 29, 145
-Select Forms, 106

-Survivorship, 29, 144

-Commutation Columns, 120-1,
224

-Deferred, 113-114

-Different Kinds of, 14

-Endowment, 20-21, 114-115

-Forms of, 4

-General Principles, I

-Groups, 50
-Increasing, 140
-Industrial, 7-8
-Joint Life, 25, 145
-Last Survivor, 26
-Means of Saving, 2
-Old Line, 6-7
-or Insurance, 2

Relationship to Annuity, 110
-Statistics, 39

-Term or Temporary, 18-19, 113–

114

-Without Medical Exam., 49

-Whole Life, 14, 109–113
Assured Lives, British, 41
Average, Doctrine, 136
Average Health, 49

B

Banker's Discount, 69
Basis Scientific, 3

Beneficiary and Insurable Interest, 16

Beneficiary as Claimant, 181

Benefit and Consideration, 98

Benefits, Doubtful, 31

Bonds, Amortization, 190

Bonds, Gold, 24

Bonus, Additions, 143

-Allocation, British, 177

-Compound Reversionary, 177

-Stipulated Premium, 8-9
-Stock, 171, 199

-without Agents, 208

Comparative Statements, 191-197

Complete Annuities, 143

-Expectations, 95

Compound Interest, 54

-Money Doubles Itself, 67-
96

Compound Reversionary Bonus, 177
Compulsory Privileges, 30
Conditions in Policies, 16
Consideration and Benefit, 98
Constant Addition; Loading, 125
Constant and Percentage; Loading,
127

Construction of Tables, 78-80

Continuous Instalment Policies, 25
Continuous Process, 78

Contract Premiums Ignored, 154

Contracts, Special, 21-28

Contribution Plan, 174, 178

-Objection to, 175

-British, 178

Effective Rates of Interest, 72-73
Endowment Assurance, 20-21, 114-
115

Endowment, Pure, 21, 99, 114
Examination Medical, 33, 49
Executor as Claimant, 181
Expectations of Life, 94-95
Expense Comparison, 192-193
-Usual, 124
-Initial, 129

Expenses and Valuation, 155
-Industrial, 8

-Loading, Extras, 123-137
Extra Premiums, 132-137

-Doctrine of Average, 136
-Fixed, 133

-Foreign Residence, 135
-Health under Average, 132

-Lien System, 134-135

-Occupation Hazard, 132

-Rating up, 133

-Varied Hazards, 136

F

Female and Male Mortality, 46

Field-Work, 208-212

-Agency System, 209
-Applications by Mail, 211
-Branch Offices, 211

Companies without Agents, 208
-General Agency, 209

Illustration, Assessment, 5

-Cost of Assurance, 159
-Interest, 61-63

Immediate Payment of Claims, 118
Increasing Assurance, 140

-Premiums, 22, 143

Industrial Assurance, 7-8
Initial Expenses, 129
Inspection Report, 33
Instalment Policies, 21

-Continuous, 25
Insurable Interest, 16
Insurance, Group, 50

Interest, Accumulation, 65-67
-Actual Rates, 56-58

-and Annuities Certain, 65-81
-and Investments, 54-63
-and Probability, 99
-Comparisons, 193-194
-Definition, 54

-Effect of Standard Rates, 56
-Half-yearly and Quarterly, 70
-Money Doubles Itself, 67-69
-Nominal and Effective, 72-73
Quarterly, 70