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accident accidental actual deaths actual to expected Actuarial Science Actuarial Society age-group albumin albuminuria American Table amortized application arithmetic mean average beneficiary Bright's disease Cammack census cent certificate claims classification clause coefficients contract court held death rate December 31 disability benefits discussion disease dividend double indemnity benefit double indemnity feature employees entry ages equations expected deaths extra mortality extra premium fact favorable formula given glycosuria graduation group insurance group policies hazard home office increase Institute of Actuaries Insurance Company insured's interest investigation issued JOHN lives loan market values Medico-Actuarial method Moir mortality experience Mutual Northwestern Mutual occupation order of birth pany paper payable payment percentage period plaintiff policyholders premiums paid question rate of mortality ratio regard result rience Royal Arcanum S. W. Rep selection shows standard statistics stillbirths summation Supreme Court tality tion tontine tuberculosis WILLIAM York