(Limit $75,000)

Annual Premiums per $1,000 Insurance (Participating), Providing for Waiver of Premiums in Event of Total and

When the Insured reaches age 65 any premium thereafter falling due will be reduced to the corresponding premium for a policy without the Disability Provision. For one-half or one-quarter yearly premiums notes are taken for pro rata amount of annual premiums with interest at 6 per cent per annum for the time of deferred payments only.

"PERFECTION POLICIES"
(Limit $25,000)

Annual Premiums per $1,000 Insurance (Participating), Providing for Waiver of Premium and Income ($10 Monthly) During Disability and Double the Face of Policy in Event of Accidental Death Before Age 65.

When the Insured reaches age 65 any premium thereafter falling due will be reduced to the corresponding premium for a policy without the Additional Provisions. For one-half or Inte quarter yearly premiums notes are taken for pro rata amount of annual premium with at 6 per cent per annum for the time of deferred payments only.

Age of Insured

Premium Rates (Participating) for $10.00 Monthly Income to Beneficiary During Life, with 240 Payments Certain.

Reduced Premium
if Beneficiary dies
before Insured.

20 PREMIUMS LIFE

Age of Beneficiary

Reduced Premium

if Beneficiary dies

before Insured.

25

20 YEAR ENDOWMENT

Age of Beneficiary

Reduced Premium

if Beneficiary dies before Insured.

50 102 90 94 60

88 50

85 60

84 50118 80 108 90 102 00

98 70 97 50 135 80 122 60 113 30109 60108 40 51 108 10 99 10 92 80 89 40 88 30 123 50 113 10105 80102 00 100 80 139 20 125 70116 00111 90110 70 52 113 60 104 10 97 00 93 50 92 30128 30117 40 109 30 105 30104 10142 70129 00119 00114 80113 30 53 119 30 109 10101 50 97 70 96 30 133 50 121 90113 60109 30 107 90 146 70 132 50 122 101 7 60116 20 54 125 90114 80106 70 102 50101 00138 90 126 80117 80113 10111 70 151 00136 50 125 70 120 70119 30

55 132 50 120 70 111 90107 40 105 80 145 10 132 10122 60117 60 116 00156 00141 00129 70124 50 122 80 56 139 60 127 10117 60 112 60111 00: 57 147 40 133 90 123 80118 30116 40 58 155 70 141 50 130 40 124 20 122 30; 59 164 20 149 30 137 30 130 60 128 50)

60 174 00157 90144 80 137 70 135 40

Actual Dividend Histories of Policies of $1,000 Issued in 1909. › American 3% Reserve Basis.

Year

Ending Prem. $20 70 Prem. $23 50 Prem. $27 00 Prem. $31 70 Prem. $38 00 Prem. $46 60 Divi- Net Divi- Net Divi- Net Divi- Net Divi- Ntt Divi- Net.

dend Cost dend Cost
1$ 2 90817 80$
3 00 17 70

dend Cost dend Cost

dend Cost dend Cost

3 20 $20 30

3 35 20 15

1918 9 1919 10

Total $39 75 167 25

Average Yearly Cost for 10 Years $16 73

5 15 18 35 5 40 18 10 344 15190 85

Average Yearly Cost for 10 Years

$19 09

Average Yearly Cost for 10 Years $22 03

7 30 24 40 557 60259 40

Average Yearly Cost for 10 Years $25 94

20 Payment Life

8 95 29 05 $69 35310 65

Average Yearly Cost for 10 Years

$31 07

Average Yearly Cost for 10 Years

$37 93

Prem. $30 40 Prem. $33 20 Prem. $36 70 Prem. $41 00 Prem. $46 50 Prem. $53 80

Prem. $48 10 Prem. $48 80 Prem. $50 00 Prem. $51 80 Prem. $54 80 Prem. $59 60

1$ 3 45 $44 65 $ 3 75 $45 058

2345678

1914-5

1915 1916

1917

1918

9

3 95 $46 05 $

4 35 $47 45$ 4 95 $49 85 $

3 95 44 15

4 20 44 60|

4 45 45 55

5 25 42 85

5 45 43 35

5 75 44 25

4 85 46 95
6 25 45 55

5 95 42 85

6 25 43 75

6 75 45 05
7 30 44 50
7 80 44 00

5 70 42 40 6 25 41 85 675 41 35 7 30 40 80 7 85 40 25 8 40 39 70 905 39 05 Total $63 95417 05

1919 10

8 40 43 40 900 42 80 9 60 42 20 10 25 41 55 $74 55443 45

Average Yearly Cost for 10 Years 2 $44 35

5 50 49 30 6 95 47 85 7 55 47 25 8 10 46 70 8 70 46 10 9 30 45 50 9 95 44 85 10 55 44 25 11 20 43 60 82 75465 25

Average Yearly Cost for 10 Years

$46 53

5 85 $53 75

640 53 20 8 20 51 40 885 50 75 9 50 50 10 10 10 49 50 10 80 48 80 11 45 48 15 12 15 47 45 12 80 46 80 $96 10 499 90

Average Yearly Cost for 10 Years

$49 99

1919 Dividends and Net Cost of Insurance on Policies of $1,000.

1918 1 $3 45 $17 25 $ 3 75 $19 75 $ 4 15 $22 85 $ 4 65$27 05$ 5 40 $32 60$

$46 60 6 65 $39 95 7 10 39 50

7 60 39 00

4 75

22 25

5 45

26 25

6 45 31 55

8 05 38 55

4 95 22 05

5 70

26 00

6 85 31 15

8 55 38 05

5 20

21 80

6 00

25 70

7 25 30 75

9 10 37 50

1911 8

4 45 16 25

4 95 18 55 5 15 18 35 5 40 18 10 45 25189 75

Average Yearly Cost for 10 Years

6 15 20 85 51 00219 00

Average Yearly Cost for 10 Years $21.90

6 60
6 95 24 75
7 30 24 40
59 00258 00

Average
Yearly Cost
for 10 Years
$25 80

25 10

8 05

29 95

10 15

36 45

8 50

29 50

10 75

35 85

11 30 35 30

$18 98

$3 75 $26 65 $ 4 05 $29 15 $ 4 45 $32 25 $ 4 95 $36 05 $5 65 $40 85 86

85 $46 95 7 40 46 40 7 95 45 85

6 05

34 95

7 00 39 50

8 50 45 30

5 70 31 00

6 45

34 55

7 50 39 00

9 10 44 70

1913 6

5 05 25 35

5 50 27 70

6 10 30 60

6 85

34 15

8 00 38 50

9 65 44 15