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passed, endowment assurances were practically unknown. At that
time to my knewledge one of the great London Companies had only
three such policies on its backs, whereas new two-thirds of its
business consists of endowment assurances. Surely this important
change in the condition of life assurance should be provided
for.
6
The form referred to under Heading 7 of the
Fifth Schedule is in the British form verbatim, It would, however
be well to distinguish in the case of whole life policies these
by premiums payable throughout life, and these by premiums pay-
-able for a term only. Some Companies in this country make the
distinction, but others do not, and the Board of Trade has no
power to compel them. The corresponding questions in the Sixth
Schedule are Nos. 2 and 3, and here again some Companies simply
include all whele life policies in one answer, and do not dis-
-tinguish in Question 3 of the Sixth Schedule between whole
life and limited payment policies. That should not be se.
7 The foot-nete to the form under Heading 7
of the Fifth Schedule speaks of European Kortality Tables
adopted by the Company, but that is surely out of place for
local Companies in China. Alse the point of impertance is net
the mortality table on which the rates of premium are calculated,
but the actual office rate charged. In many cases it is not
possible to say what mortality table has been used, the Office
rates being merely the averages rates of competing Companies.
Rather, a separate Return under the form in question should
be asked for in respect of each basis ef valuation, without
definitely naming the kind of mortality table that may be
involved in it. There is no prevision, for instance, for dif-
-ferent rates of interest in respect of different classes ef
contracts, and that is quite as important as the mortality
suit asometers sobre to agno aksid ai,*[burio“ đì abrało i ne cavalo jele zidariukia did to" bebizəng ed Wireda
GAME OVAC to do to me ‚amllloq otil plody að sjaw a" «I+Y bcaekt
table.
8
As to the Sixth Schedule, at the present
day it would be an advantage in Question 1 to ask for the
-ables