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

American 3% Reserve Basis.
Ordinary Life (Endowment at 85)

Cur't Scale for Year

75 $24 4

41

Year
Age 25
Age 30

Age 35 Age 40 Age 45 Age 50 Igsued Divi-| Net Divi- Net Divi- Net Divi-| Net Divi- Net Divi-1

Net dend | Cost dend Cost dend Cost dend Cost dend Cost dend Cost Premium $21 75

$27 95 $32 59 $38 86 $47 20 1918 1 $ 3 30$18 45||$ 3 55 $20 86 $ 3 92 $24 03$ 4 23$28 36 $ 4 69$34 17 8 5 40$41 80 1317 2 3 34 18 41 3 59 20 82 4 00 23 95 4 40 28 19 4 94 33 92 5 73 41 47 1916 3 3 38 18 37 3 66 20 75 4 10 23 85 4 60 27 99 5 20 33 66 6 06 41 14 1915 4 3 42 18 33 3 73 20 68 4 20 23 75 4 79 27 80 5 46 33 40 6 41 40 79 1914 5 3 46 18 29 3 81 20 60 4 31 23 64 5 00 27 59 5 73 33 13 6 75 40 45 1913 6 3 51 18 24 3 881 20 53 4 44 23 51 5 16 27 43 6 02 32 84 7 10 40 10 1912 7 3 571 18 18 3 96 20 45 4 55 23 40 5 33 27 26 6 32 32 54 7 46 39 74 1911 8 3 63 18 12 4 05 20 36 4 67 23 28 5 50 27 09 6 62 32 24 7 83 39 37 1910 9 3 69 18 06 4 16 20 25 4 81 23 14 5 70 26 89 6 92 31 94 8 20 39 00 1909 10 3 761 17 99 4 26 20 15 4 95 23 00 5 89 26 70 7 24 31 62 8 55 38 65 Total $35 06/182 44 838 65205 45 543 95 235 55 S50 60275 30 559 14 329 46 $69 49 402 51

Average Average Average Average Average Average Yearly Cost Yearly Cost Yearly Cost Yearly Cost Yearly Cost Yearly Cost for 10 Years for 10 Years for 10 Years for 10 Years for 10 Years for 10 Years $18 24 $20 55 $23 56 $27 53 $32 95 $40 25

20 Payment Life (Endowment at 85)

Premium $31 53 $34 17 $37 33 $41 43 $16 87 $54 04 1918 1 $ 3 66$27 87$ 3 90$30 27$ 4 18]$33 15$ 4 46/$36 97 $ 4 90$41 97 $ 5 58848 46 1917 2 3 80 27 73 4 06 30 11 4 38 32 95 4 74 36 69 5 23 41 64 5 98 48 06 1916 3 3 95 27 58 4 23 29 94 4 59 32 74 5 03 36 40 5 57 41 30 6 40 47 64 1915 4 4 11 27 42 4 42 29 75 4 81 32 52 5 32 36 11 5 93 40 94 6 82 47 22 1914) 5 4 29 27 24 4 62 29 55 5 03 32 30 5 641 35 79 6 31 40 56 7 24 46 80 19131 6 4 45 27 08 4 81 29 36 5 27 32 06 5 92 35 51 6 69 40 18 7 68 46 36 1912 7 4 65 26 88 5 04 29 13 5 53 31 80 6 22 35 21 7 10 39 77 8 12 45 92 1911 8 4 86 26 67 5 27 28 90 5 79 31 54 6 52 34 911 7 50 39 37 8 58 45 46 1910 9 5 06 26 47 5 52 28 65 6 07 31 26 6 84 34 59 7 91 38 96 903 45 01 1909 10 5 30 26 23 5 78 28 391 6 36 30 97 7 18 34 25 8 35 38 52 9 48 44 56 Total $44 13271 17 $47 65 294 05 852

01 321 29 $57 87356 43 $65 49 403 21 $74 91 465 49 Average Average Average Average Average Average Yearly Cost Yea Cost Yearly Cost Yearly Cost Yearly Cost Yearly Cost for 10 Years | for 10 Years for 10 Years for 10 Years for 10 Years for 10 Years $27 12 $29 41 $32 13 $35 64 $40 32 $46 55

20 Year Endowment

Premium
$49 25

$49 71 $30 49 $51 95 $54 52 $59 00 1918 1 $ 4 34/$44 91 $ 4 47$45 24 $ 4 65|$45 84 $ 4 80$47 15 $ 5 06/$49 46 $ 5 611$53 39 1917

2 4 67 44 58 4 79 44 92 4 98 45 51 5 18 46 77 5 47 49 05 6 07 52 93 1916 3 5 02 44 23 5 15 44 56 5 34 45 15 5 59 46 36 5 90 48 62 6 54 52 46 1915 4 5 39 43 86 5 52 44 19 5 71 44 78 6 01 45 94 6 36 48 16) 7 02 51 98 1914 5 5 79 43 46 5 90 43 81 6 10 44 39 6 45 45 50 6 81 47 71 7 51 51 49 1913 6 6 201 43 05 6 31 43 40 6 51 43 98 6 86 45 09 7 30 47 22 8 01 50 99 1912 7 6 63 42 62 6 751 42 96 6 94 43 55 7 30 44 65 7 80 46 72 8 52 50 48 1911 8 7 09 42 16 7 21 42 50 7 39 43 10 7 75 44 20 8 32 46 20 9 04 49 96 191019 7 58 41 67 7 68 42 03 7 87 42 62 8 23 43 72 8 84 45 68 9 55 49 45 1909) 10 809) 41 16) 8 20 41 51 8 37 42 12 8 731 43 22 9 37) 45 15|| 10 0948 91 Total $60 80431 70 861 981435 12 363 861441 04 $66 901452 60 $71 23473 97 $77 971512 04

Average Average Average Average Average Average Yearly Cost Yearly Cost || Yearly Cost Yearly Cost Yearly Cost Yearly Cost for 10 Years for 10 Years for 10 Years for 10 Years for 10 Years for 10 Years

$43 17 $43 51 $44 10 $45 26 $47 40 $51 24 Premiums are for Policies with Old Disability bat Without Double Indemnity.

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160 54 9 138 16 171 21 121 2 170 28 291 40 107 48 1708 130 10 $487 5 $772 1 $958
170 69 9 254 16 286/21 5| 2 188 28 228 39 213 47 2108 107 10 486/5 771 1 958
1810 85 10

317 19 20 350 2 207 28 152 38 315 46 2498 83 10 48515 7711 958
19 0 102 10 115 17 100 20 317|| 2 226 28 63 38 49 45 288 8 58 10 48415 7711 957
2010 121 10 225 17 165 20 270 2 246 27 326 37 145 44 3268 33 10 4835 7701 957
21 0 141 10 333 17 213 20 209 2 267 27 212 36 238 43 363 8 7 10 482 5 770 1 957
22.0 161 11 74 17 244 20 135 | 2 287 27 87 35 331 43 427 315 10 481 5 7701 957
2310 172 11 177 17 25920 512 307 26 318 35 55 42 817 316 10 480 5 769 1 957
24 0 193 11 276 17 256|19 322 2 327 26 175 34 144 41 121 7 286 10 479 5 7691 957
2510 224 12

4 17 240 19 218 2 347 26 23 33 230 40 159 7 255 10 477 5 768 1 957

26 O 246 12 86 17 210 19 107 | 3 2 25 227 32 313 39 1977 222 10 475 5 767 1 957

27 0 208 12 155 17 166 18 353 3 22 25 57 32 31 38 234 7 187 10 173 5 767 1 957

28 0 291 12 211 17 110 18 227 3 40 24 245 31 113 37 2697 150 10 4715 7661 957

29 0 315 12 254 17 43/18 95 3 58 24 61 30 193 36 3037 111 10 4695 765 1 956

30 O 340 12 284 16 330 17 323 3 7523 236 29 272 35 3397 71/10 467 5 7641 956

31 1 0 12 301 16 242 17 1801 3 91 23 40128 350 35 $5|7 2910 464 5 763 1 956
32 1 25 12 30416 146 17 33|| 3 105 22 205 28 63 34 30|| 6 350 10 461 5 7621 956
33 1 50 12 293/16 43 16 248|| 3 118 22 0 27 14133 546 304 10 458 5 761 1 956
341 74 12 270 15 297 16 96 3 130 21 156 26 21832 796 255 10 4545 7601 956

35 1 98 12 236 15 180 15 306 3 139 20 308 25 29431 1036 204 10 4505 758 1 956
36 1 121 12 19115 57 15 148 3 145 20 92125 5 30 120 6 152 10 445 5 7561 955
37 1 143 12 136 14 295 14 353 3 149 19 238 24 84 29 1506 9810 439 5 7541 955
38 1 164 12 71 14 163 14 1933 151 19 16 23 162 28 1746 42 10 4325 7521 955
39 1 181 11 361 14 28 14 32 3 151 18 157 22 241 27 1995 347110 4255 7501 955

401 202 11 276 13 254 13 2371 3 149 17 296 21 319 26 2231 5 283 10 417 5 7471 954
41 1 219 11 186 13 112 13 77 3 143 17 69 21 35 25 24715 216 10 408 5 7441 954
42 1 235 11 9112 333 12 283 3 132 16 206 20 118 24 272 5 146 10 3985 740|1 953
43 1 249 10 356 12 188 12 125 3 117 15 341 19 203 23297 5 7310 386 5 7361 953
441 261 10 251 12 41 11 334 3 97 15 117 18 288 22 5322 4 36110 372 5 7321 952
45 1 271 10 142 11 259 11 181 3 72 14 256 18 10 21 3481 4 280 10 357 5 7271 951
46 1 277 10 29 11 112 11 31 3 43 14 31 17 103 20 374 4 197 10 340 5 7211 951
47 1 278 $ 279 10 331 10 248 3 10 13 172 16 198 19-4014 112 10 3205 714 1 950
48 1 276 9 162 10 186 10 103 2 338 12 315 15 294 18 $4284 27 10 297 5 7061 949
49 1 270 9 43 10 43 9 327 2 29712 95 15 29 17 45613 306 10 270€ 6981 948

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33915 485 1 924

20 PREMIUMS ENDOWMENT AT 85 POLICY, NON-PAR

TICIPATING, WITH DISABILITY BENEFIT RIDER.

No. 99,999.

AGE 35. AMOUNT, $10,000.

ANNUAL PREMIUM, $308.30. AMERICAN CENTRAL LİFE INSURANCE COMPANY

INDIANAPOLIS. AGREES TO Pay Ten Thousand Dollars, the amount of insurance, for the consideration and under the conditions stated herein, to the Beneficiary, Mary Alston, Wife, of the Insured, Abner Alston, or the Insured, himself, if this policy be in force at end of policy year nearest age eighty-five."

The entire contract between the parties hereto shall be this policy and the application therefor, a copy of which is attached and made a part hereof.

The Insured is entitled without the consent of the Beneficiary, to receive every benefit, exercise every right, and enjoy every privilege conferred on the Insured by this policy.

STATE OF INDIANA-INSURANCE DEPARTMENT. I hereby certify that the net cash value of this and all other policies issued by The American Central Life Insurance Company and in force, is secured by the deposit with this department of securities, as prescribed by and in compliance with, the Indiana Legal Reserve Compulsory Deposit Law.

OTTO L. KLAUSS,

Auditor of State.

ALL PREMIUMS or installments thereof are payable in advance either at the Home Office of the Company, or to an agent of the Company upon delivery of a receipt signed by the Company's President, First Vice-President, Secretary or Treasurer, and countersigned by such agent. Premiums after the first may be paid in semi-annual or quarterly installments at the Company's rates therefor. The payment of a premium or installment thereof shall not maintain this policy in force beyond the 'due date of the next premium or installment, except as herein provided.

CASH LOANS.-Beginning with the third policy year, the Company, at any time while the policy is in force, provided no premium be in default, will loan to the insured on the execution of a proper assignment of the policy and on the sole security thereof, any sum not exceeding the amount stated in the Table of Loan and Surrender Values for the end of the current policy year. From such loan value there will be deducted any existing indebtedness on or cured by the policy and any unpaid balance of the premium for the

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