PRESENT VALUE OF AN ANNUITY OF $1, FIRST ACCORDING TO THE COMBINED EXPERIENCE AND AMERICAN The following table will be useful in pointing out the amount of insurance which should be carried. Multiply the figures for the given age by the applicant's income and you have a fair idea of his insurable value, because the product represents the applicant's probable worth to his family or dependents. JOINT LIFE INSURANCE. Of late years there has been created a new avenue for the advancement of life insurance in the insuring of lives of men engaged in business partnerships in order to create a fund by which the interests of the survivors will be protected in the event of the death of any member of the firm. Considerable progress has been made in this line, as the system is a popular one and appeals at once to the common sense of those approached as a good thing. We quote the rates for these "joint life policies" for an insurance of $1000. This table of the "Equation of Life" will enable the agent to point out from the "American Experience" and the "Actuaries' or Combined Experience Tables of Mortality" the time when one-half of the tabular number of the living at a given age will have passed over to the great majority, and vice versa, the period of which those who contemplate taking out endowment assurance for long terms will do well to fix the maturity of their policies. In other words, out of two persons alive at a certain age this table shows the time at which one will be living and the other dead. INDEX. (A refers to Appendix following page 1190,) ÆTNA LIFE INSURANCE COMPANY, HARTFORD, CONN. PAGE 9-33 26 27 9 10 11 Premium Rates, Participating, Life, Endowment...... Agreement in Application.. AMARILLO NATIONAL LIFE INS. CO., AMARILLO, TEX........... ment, Term..... POLICY-Twenty-Payment Life, Non-participating. AMERICAN BANKERS INSURANCE COMPANY.. Agreement in Application. Instalment Option.... Premium Rates, Life, Endowment, Term, Non-participating... Declaration in Application.... 24-33 29 34-36 34 35 36 37-40 40 37 38-40 40 41-45 44 41 .... 42-45 45 A91 46-56 50 46 AMERICAN CENTRAL LIFE INSURANCE CO.; INDIANAPOLIS.. Premium Rates, Life, Endowment, Monthly Income and Term POLICY-Twenty-Payment Life, Non-participating, Maturing Agreement in Application. American Experience Table of Mortality, Extracts from... Instalment Options... Premium Rates, Life, Endowment and Term, Participating.... Agreement in Application..... AMERICAN NATIONAL INSURANCE COMPANY OF GALVESTON; TEXAS..... Disability Benefit. Instalment Options... Premium Rates, Guaranteed Annual Additions and Non-partici- POLICY-Twenty-Payment Life, Guaranteed Option.. Agreement in Application.. Industrial Policy.. 48-56 56 57-62 58 60 57 58-61 61 1165 Premium Rates, Life, Endowment, Guaranteed Premium Re- POLICY-Twenty-Payment Life. Non-participating.. Agreement in Application.. 64 62 63-66 66 ANCHOR LIFE INSURANCE COMPANY. INDIANAPOLIS. 67-70 68 Instalment Option..... Premium Rates, Life, Endowment, Guaranteed Premium Re- POLICY-Twenty-Payment Life, Guaranteed Premium Reduction Annuity Rates.. ATLANTIC LIFE INSURANCE COMPANY, RICHMOND Disability Benefits. Instalment Option...... Premium Rates, Life, Endowment and Economic. POLICY-Twenty-Payment Life, Annual Dividends..... Agreement in Application.... BALTIMORE LIFE INSURANCE COMPANY, BALTIMORE. Premium Rates, Life, Endowment and $500 policies, POLICY-Twenty-Payment Life, Participating. 69 67 68-70 70 .1133-1159 71-75 72 74 71 72-75 75 76-78 76 77 Premium Rates, Life, Endowment and Term-Participating... BANKERS LIFE INSURANCE CO. OF LINCOLN, NEBRASKA....... Surrender Values, Cash and Extended, Loans--Twenty-Payment ... POLICY-Twenty-Year Indemnity and Investment Bond. 79 80-82 83-86 86 87-91 87 88 90 91 BENEFICIAL LIFE INSURANCE CO., SALT LAKE CITY, UTAH, 96-100 Premium Rates, Life, Endowment, Term-Participating and POLICY-Twenty-Payment Life, Annual Dividend.. Agreement in Application.. Instalment Benefits.. Premium Rates, Life and Endowment.. 98 99 96 97-100 100 BERKSHIRE LIFE INSURANCE COMPANY, PITTSFIELD, MASS. 101–108 ..... Surrender Values, Paid-up, Cash or Loan and Extended, Ordinary and Twenty-Year Endowment)... POLICY-Twenty-Payment Life, Annual Dividends, 107 101 .102-104 105-108 |