'^r^- Cornell University Library HG8782 .E24 + Life tables, founded upon the discovery 3 1924 030 240 059 oiin Overs OlorttpU Intersttg fCtbrarg BOUGHT WITH THE INCOME OF THE FISKE ENDOWMENT FUND THE BEQUEST OF ISiKard msktt LIBRARIAN OF THE UNIVERSITY 1868-1883 1905 AM^P.^^. zUJIIJA: Cornell University Library The original of this book is in the Cornell University Library. There are no known copyright restrictions in the United States on the use of the text. http://www.archive.org/details/cu31924030240059 LIFE TABLES, FOUNDED UPON THE DISCOVERY A NUMERICAL LAW REGULATING THE EXISTENCE OF EVERY HUMAN BEING: ILLUSTRATED BY A NEW THEORY CAUSES PRODUCING HEALTH AND LONGEVITY. By T. R. EDMONDS, B.A. LATE OF TRINITY COLLEGE, CAMBRIDGE : AUTHOR OF PRACTICAL MORAL AND POLITICAL ECONOMY." LONDON: ^ PRINTED FOR JAMES DUNCAN 37, PATERNOSTER ROW; AND MAY BE HAD OF THE AUTHOR, 45, SOUTHAMPTON ROW, KtTSSELL SQUARE. M.DCCC.XXXII. E-V. GENERAL OBSERVATIONS. CHAPTER I. The foundation of the science of Life Measurement rests upon the observed relation of Dying to Living, in given intervals of age. In constructing a Tahle of Mortality, the ordinary problem for solution IS, — given, this relation for large intervals of age; required, to deduce and interpolate the relation of Dying to Living, corresponding to small intervals of age. In all Tallies which have hitherto been published, this relation for annual intervals is continually varying. Now it is manifest, that the same principles which have led to the conclusion, that the variation is continued and annual, must lead to the conclusion, that the variation is monthly, and also to the conclusion, that the varia- tion is diurnal, and even momental. It may be assumed, therefore, that all Tables of Mortality represent the relation of Dying to Living as changing continuously, — that this relation is never the same for any two successive instants of age. I have used the term "force of mor- tality," to denote this relation at any definite moment of age. It would evidently be improper to use this term to express the relation of Dying to Living in yearly intervals of age ; for the force of mortality at the beginning, at the middle, and at the end of any year of age, are all different. During" the succession of years and moments, measured from the birth of any individual, the continuous change in the force of mortality is subject to a very simple law, being that of geometric proportion. But the same geometric progression is not observed from birth to the ead of life. Instead of one, there are three distinct orders of pro- gression, corresponding to three remarkable periods of animal life. The force of mortality at all ages is expressible, — by the terms of three con- secutive geometric series, so connected, that the last term of one series is the first of the succeeding .defies ; — or by the ordinates of three con- tiguous segments of three logarithmic curves. The common ratios of the three geometric series (or the constants of the curves) appear to be b VI fixed and immutable, for all human life in all ages of the world. These three constants, now first discovered, correspond to the three grand divisions of life, — Infancy, Manhood (or Florescence), and Old Age. For regulating the continuous change in the force of mortality, Nature uses one constant for Infancy, another for Manhood, and a third for Old Age. The constant of Infancy confirms life, or indicates a continued diminution of the force of mortality; the constants of Manhood and Old Age indicate decay of life, or a continued increase in the force of mortality; but the decay of life is much more rapid in the period of Old Age than in the period of Manhood. Calling the three con- stants pi, ps, ps, the following are their numerical values, which indicate the rate of increase or decrease of the force of mortality, in a given time, assumed to be one year. In Numbers. In Logarithms. Period over which Constant presides. Pi P2 Ps •6760830 1-0299117 1-0796923 — -1700 + •0128 + ^0333 Infancy (from birth to 8 years of age). Manhood (from 12 to 55 years of age). Old Age (from 55 to end of life). The above constants of Manhood and Old Age are to be regarded as much nearer approximations to the truth than the constant of Infancy, by reason of the comparative shortness of the period of In- fancy, in conjunction with the imperfections of all records of mortality. The existence of the above three remarkable periods of human mortality was long ago pointed out by Dr. Price ; but he does not appear to have imagined that the marked distinction was expressible in numbers. There may exist a very small fourth period, between Infancy and Man- hood, where the force of mortality is stationary and at its minimum. My assumption of the existence of this period, whether true or false, can be of little or no practical consequence. If Nature had immovably fixed the limits of the three periods of Infancy, Manhood, and Old Age, the theory would be complete and simple. Such, however, is not the case, either in different populations, or in the same population at different times. An attentive examination has impressed on my mind the belief, that the durations of the Infancy and Manhood periods simultaneously increase or decrease. The defec- tive existing materials may serve to establish this fact, although they do not lead to the knowledge of the precise change in Manhood due to Vll a given change in Infancy. I am inclined to the opinion, that an increase of one year in the duration of Infancy demands, under ordi- nary circumstances, an increase of seven y^ars in the duration of Man- hood ; under extraordinary circumstances, I believe that the diminution of either stage may be accompanied by the prolongation of the other. In all the best Tables, the limit of the Infancy period appears to be at the age oi nine years, within half a year more or less; and the limit of the period of Manhood at the age o^ fifty -five, within seven years, more or less. The knowledge of the cause producing this change in the position of the limits is manifestly of very great importance, in the prediction of future mortality from the past. This cause is identical with that which hastens or retards the maturity of any animal : the simultaneous dimi- nution of the stages of Infancy and Manhood is nothing more than the shortening of the circuit from birth to death. The cause, or the ante- cedents to change in the limits, will be found, most probably, to consist of variations in food, in labour, or in lodging (temperature). An abun- dant and nutritious diet, with continued repose in a pleasing tempera- ture, contracts the stages of Infancy and Manhood ; whilst scanty and coarse food, or hard labour, or great exposure to cold or heat, increase the length of the two stages, by increasing the difficulties of travelling. The proposition may be better expressed thus; — Saturation accelerates, and Privation retards, Maturescence. This opinion is supported by the observations on Human Mortality, hitherto recorded, or appears to be so. But this support is, for the most part, indirect; for the larger portion of these observations have been made on general populations, or the representatives of various degrees of Privation. These shew the limits of the stages of Infancy and Man- hood to recede as privation diminishes. The only valuable and satisfactory observations on the representatives oi Saturation are those of Deparcieux, on a great extent of French monks and nuns ; and they all confirm the theory, by the exhibition of the earliest known advent of the period of Old Age (at forty-eight years). If the period of Infancy had been observed, the corresponding limit would probably have been found very near seven and a half or eight years of age. The unsatisfactory obser- vations made on English and on French Government Annuitants lend their support (whatever it may be worth) to tlie theory. In the Table of Mean Mortality for England, I have assumed the termination of the Infancy stage to be at the age of eight years, and the termination of the period of Manhood to be at the age oi fifty-five. VUl In the selection of these limits, I have been influenced more by autho- rities established in popular estimation than by my individual opinion. The termination of the Infancy stage being a matter of little practical importance, I have trusted to the guidance of my theory alone in the fixing upon the age of eight years. I have an additional support for selecting so early an age, in the commonly entertained opinion, that the mortality of English infants has been diminished moi-e than that of the rest of the population. Such diminution can be accounted for only by the retrocession of the limit of Infancy. The mortality of infants is a matter of very little moment to any European population, with respect either to money or to population. The number of infants is not more than half so great as it might be ; and the existing supply is not regu- lated in the slightest degree by any imagined future relation of food to surviving adults. The termination of the Manhood period is a point of considerable practical importance ; and I could not select an earlier age than fifty- five, without abandoning the support of all Tables of value in the public estimation. In the Northampton Table, this period terminates at sixty-two ; in the Carlisle Observations, at fifty-seven years of age. My disinclination to adopt the age of fifty-five has been diminished by the expectation, that, in an improved state of society, this limit will be again attained, and even exceeded. Hitherto, the stages of Infancy and Manhood have never been increased, except in connexion with an in- crease of mortality. Presently, I intend to shew how these stages mav be increased, and the mortality at the same time be diminished. The hopes of indefinite prolongation of the term of human life have now ceased to be visionary. The limiting age of Manhood is variable for different classes of the population. In England, I would place it, for a city population, at fifty-five; for the general population, at fifty-two; and for the monied population, at forty-nine years of age. Those who have belonged to the monied class for some generations, and those who have recently entered it from the labouring class, will probably have different limits of the Life stages. The following are the limits of the three periods in the five accom- panying Tables of Mortality. In the two Tables of Mean and City Mortality, the Infancy period terminates at eight years of age ; and the Manhood period commences at twelve and terminates at fifty-five, where the Old Age period- commences. In the Carlisle, or Village Table, these limits are nine, ten, and fifty-five. In the corrected Northampton and Stockholm Tables, they are nine, twelve, and sixty-two. In all IX these Tables the force of mortality is made stationary for the short period between Infancy and Manhood : but, in the Village Table, the force immediately after' ten differs slightly from the stationary force immediately before. The difference is accidental, the two portions of the Table, before and after the age of ten, having been constructed independently of each other. In forming a Table of Mortality, the essential point to be sought for and ascertained is, the minimum rate of mortality, and the portion of age to which it is applied. When this is known, the force at every other age may be found by the help of the three constants : and knowing the force of mortality, the numbers remaining alive at yearly intervals may be deduced, which is the Table of Mortality required. A slight degree of uncertainty would remain as to the exact time at which the Old Age period commences ; because the increase in the duration of Manhood, due to a given increase in the duration of Infancy, is not yet precisely ascertained. As the basis of my chief Table, I have selected a minimum rate of one death in a year out of one hundred and sixty living. This number coincides very nearly with the minimum rate of the Swedish population for fifty years, with the minimum rate of the Glasgow population, and with the minimum rate of French monks and nuns, for a very long space of time. Moreover, this base gives a gross mortality between the ages of twenty and fifty, little differing from that reported to have existed upon a great extent of English and French Government Annuitants. The following are the minimum rates in the five Tables:— Village, -005; Mean, -00636431; City, -00795539; Northampton, -009 ; Stockholm, -0127286. (These numbers represent- ing the quantity of death in one year from a unit of life.) The annual rates at birth in the same five Tables are, -1612228, -1457979, -1822474, -3049598, -4313017. I have assumed the Carlisle Table to represent Village Mortality, because it is a truth universally admitted, that the mortality in villages is (in general) less than in towns, or in the country at large; and because the Carlisle Observations express the lowest mortality ever recorded and detailed with accuracy. The Carlisle Observations of Dr. Heysham are not to be regarded as offering any novelty, for they express no general fact which was not expressed long before their existence. Every modern writer on the subject has admitted the exist- ence of & partial rate of mortality even lower than that stated to have once existed in the town of Carlisle ; but Mr. Milne is the first and X only well-qualified person who has ventured to recommend such a low rate as a national standard. That the Carlisle Table was ever a good measure of the mortality of the English population in general, no sufficient proof has been, or can be, adduced. And the establishment of such a fact would be of no value, until a chain of connexion has been drawn between the past and future, which has not been hitherto attempted. If the Carlisle rate has been the general rate, the suddenness of change is inconsistent with permanency. Under the ordinary fluctuations of given circumstances, any temporary decrease in. the rate of mortality is invariably followed by a temporary increase. If the circumstances of the English popu- lation have been permanently changed for the better, the average rate of mortality may not experience any considerable change. In a population not subject to any high degree of privation, ordinary improvements in food and labour may have no other effect than to diminish the fluctua- tions from the average rate of mortality, which remains constant, and approaches very near to that prevailing among those who have belonged to the monied or saturated class for two or three generations. It is by no means improbable, that a high degree of saturation, and a high degree of privation, should be attended with the same minimum rate of mortality. The most favourable state of life is that exposed to alternations (within certain limits) of privation and saturation. A high degree of privation, acting for some generations, purifies a population of its weaker and less valuable members, and leaves only those who possess the seeds of the best and strongest constitutions of body and mind. When this pressure of privation is diminished, the health and strength of succeeding generations will be proportional to the privations previously undergone. After the pressure has diminished to a certain point, and become stationary, the average soundness of the popula- tion will be continually diminishing (by the accession of lives which could not have existed under the previous higher pressure) until the attainment of that lower degree of health, which balances the lower degree of privation. The average rate of mortality under the high and under the lower pressure may be the same. But a very low degree of mortality will certainly prevail over a population in its passage from the former to the latter state. It may be useful, as well as interesting, here to remark, that the chronological scale adopted by Herodotus is perfectly applicable to Europeans of modern times. In every hundred years three generations pass away. The space of time intervening XI between the birth of any existing individual and the birth of his great- grandfather rarely differs in any significant degree from one hundred years. The Table of City Mortality expresses what I have been induced to believe is the measure of the mortality existing in the largest English towns or cities. The worst kind of life, or the severest mor- tality, is to be looked for in the poorest class of a city population, and in the highest class of the monied, or non-labouring portion of the com- munity ; the former representing the extreme of privation, and the latter the extreme of saturation. It is not improbable that one Table may represent, with correctness sufficient for any practical purpose, the mortality of each of two classes, so widely differing in their circum- stances. The chief objection to the making of one Table serve two such different purposes, arises from the error made in assuming that the periods of liifancy and Manhood are not shorter in the well-fed than in the ill-fed portion of a community. The City Table represents the greatest rate of mortality ever shewn to exist in any class of monied life. Since the above remarks w^ere committed to the press, I have arrived at the knowledge of the important confirmatory fact, that this Table is a correct representation of the law of mortality to which the English Peerage are subject. It may be alleged, in objection to the use of the new Table of Mean Mortality, that it neither is, nor professes to be, the representation of any fact ever having had a specific existence in time, place, and popu- lation ; but this would be no ground for esteeming it of inferior value, compared with either the Northampton or the Carlisle Table. Admitting the Carlisle and Northampton Observations to be perfect, they cannot be of any considerable value, except in combination with other observa- tions, differing in time, place, and people. In all classes of a popula- tion, the mortality is continually varying. Observations of the past lead to no useful result, until a chain of connexion is established between the present, past, and future. To generalise from a single fact is absurd ; and it is an absurdity of this kind into which those people fall, who would apply observations made on one kind of life to all kinds of life. It is perfectly irrational to apply the Northampton or Carlisle Mortality to the present monied class of England, without any regard to the utter dissimilarity of the circumstances. One combination of circumstances may yield the same result as a different combination, but it ought never to be assumed that it would do so. The two Tables of Northampton and Carlisle have been presented to Xll the British Public by their respective authors as measures of motiied as well as of general life. But neither Dr. Price, the promulgator of the former Table, nor Mr, Milne, appear to have bestowed much of their attention on the justness of the assumption, that a Table good for labourers must also be good for people v^ho do not labour. They might easily have observed this remarkable distinction, — that the mortality of the labouring class was subject to very great fluctuations, whilst the mortality of the monied class was almost invariable. They would have found it easy to cite numerous instances o{ general mortality as high as one (annual) death in twenty, and as low as one death in sixty ; but they would have found it extremely difficult to cite an instance of monied mortality differing, in any sensible degree, from one in forty. The monied class are continually receiving recruits from the labouring class. Fluctuations in the mortality of the monied class are probably chiefly dependent on variations from the average recruited. In the monied class, between the ages of twenty and fifty, there is little ground for believing that the mortality was ever so high as that exhibited in the Northampton Table, or so low as that exhibited in the Carlisle Table. But there is some ground for believing that both the Northampton and Carlisle are true expressions of rates of general mortality existing in England at different times. In this respect, the evidence in favour of the Northampton Table is quite as strong as any which has yet been adduced for the Carlisle Table. The partisans of the latter Table appear to have attached undue weight to the superior accuracy of the narrow extent of observations on which it is founded. For any useful practical purpose, there is no reason for believing the Northampton Table to be a less valuable record than the Carlisle Table ; the slight inaccuracy of adjustment of mortality to each age, in the former Table, would be of no sensible value in practice. It is extremely doubtful whether the principle of construction of the Carlisle Table is at all preferable in practice to that on which the Northampton Table is founded, when it is desired to obtain the rate of mortality prevailing over an extensive district. If the errors in the returns are suspected to be of considerable magnitude, the latter principle is most to be recom- mended. The former principle is decidedly the best for indicating the relative mortality at different ages. The trtith of the Northampton Table is not lightly to be called in question, when it is supported by the name of Dr. Price, although its applicability to the British population of the present day may fairly be questioned. In confirmation of its truth, I have to remark, that it nearly accords with the newly-discovered Xlll law of human mortality. In favour of its applicability, T would observe, that the rate of mortality among English soldiers at home agrees exactly with the Northampton rate for a population between the ages of twenty and fifty. This fact rests upon materials of the most perfect character, whilst the materials used by Mr, Milne, to prove the applicability of the Carlisle Table, are of the most doubtful character. The acknow- ledged inaccuracy of the national returns of Living and Dying is so great, that no safe conclusion can be drawn from them. To those who attach weight to such returns, I would observe, that the same reported facts, which establish the applicability of the Carlisle rate to the English population, also prove, that my new Table of Mean Mortality is a measure of the mortality of the English population in general. The proportion of deaths in infancy is considerably greater, according to the Carlisle Table, than according to my Table of Mean Mortality. It is not improbable that the partial adoption of the Carlisle Table, as a measure of monied life, rests entirely upon the assumption, that the class of Life Insurers is a fair sample of the monied class in general. The correctness of this assumption may well be doubted. In every Life Society the rate of mortality greatly depends upon the management. The consequence of ignorance or carelessness in the management is a mortality greater than the average, whilst a combination of illiberality and intelligence will be attended with a mortality less than the average of the class from which the insured are taken. Moreover, there are reasons for believing, that the class of people who are inclined to insure their lives are the best portion of the monied class. The great body of insurers consist of money-making men, of men who are improving, or have improved, their fortunes : and I believe it generally holds true, that the most industrious, money-getting men are of " lower" birth, and, consequently, of better constitutions than the average of the monied class. The new Table of Mean Mortality is the result of an extensive comparison of the best observations, in combination with the newly discovered Theory of mortality. Without the aid of this Theory, which shews the connexion existing between the mortality at one age with that at every other age, the comparison would have been of low value. So much depending on the soundness of the Theory, I shall proceed to make some remarks, by which the public may determine the degree of confidence it may be entitled to. In the first place, I would state, generally, that the Theory is best supported by the Tables which have been always acknowledged as founded on the most complete materials ; XIV viz. the observations made on the populations at Carlisle, in Sweden at different times, in French convents at different times, and in Glasgow (by Dr. Cleland). The Tables, founded on insufficient materials, or of questionable authority, most frequently support, and very seldom oppose, the Theory. I know but one Table (which is of this latter kind) which really and manifestly opposes the new Theory ; but this only at a parti- cular portion of age, about twenty-five years in duration. It is that lately published of the mortality of English Government Annuitants. The value of this Table depends, in a great measure, on the truth of the assumption, that " selection" produces no sensible effect ; in other words, that there exist no means of distinguishing a good life from a bad one. My opinion is entirely opposed to such a position; at the same time, I think that the Theory would be found applicable to any class of select life,' provided that the selection were made for all, at one and the same age. But when the admissions take place at all ages, and at various times, as is the case with Government Annuitants, no useful result is to be ex- pected from a comparison in the gross of the number living and dying in any interval of age, without any regard to the time each individual has belonged to the society. The point on which the Government Table opposes my theory, as well as that of every other person, consists in declaring that, from the age of twenty to forty-five, the force of mortality does not increase with the age; it even goes so far as to shew, that a man's chance of living one year increases in that period. A Table of mortality of French Annuitants presents an appearance of the same anomaly, though less in degree ; but contemporaneous observations on French monks and nuns were in perfect accordance with the Theory. Possibly, the cause of this anomaly may be found in the falsification of ages, the above period being that in which people are most tempted to represent themselves as younger than they really are. The reported mortality of French and of English Annuitants is not entitled to much confidence; for the former is founded on materials avowedly defective, and the latter rests upon the authority of a person whose qualifications for the task undertaken are unknown to the public. In opposition to these questionable statements, it happens very fortu- nutely that I am able to adduce very strong additional evidence in favour of the applicability of the new Theory. In the East Indies, below the age of forty-five, among the civil and military European servants of the government, the mortality increases with the age, accord- ing to the same law as in European populations resident at home. I state this fact as the result of very extensive and accurate observa- XV tions, derived, in a great measure, from official sources. A most extra- ordinary coincidence with the Theory is to be found in the mortality of the English officers employed in the Peninsular war. Fatigue and battle, strange as it may appear, did not disturb the operation of the law. The campaign increased seven-fold the previous mortality, but left the new pressure (apparently so anomalous) adjusted to the age, in the same manner as the natural pressuife had been. The public is left to decide, whether these facts are not sufficient to neutralise, at least, the effect of Government returns and calculations, so far as they lead to the belief that the mortality between the ages of twenty and forty-five years, among the English middling class, does not increase as the age increases. Even if the mortality of Government Annuitants should prove to be correctly reported, and be independent of the effect of selection, I do not apprehend that the stability of the new Theory of mortality will be at all endangered thereby. The Theory is applicable only, when the individuals compared differ in age, but resemble each other in all other circumstances. In the labouring class, and in the middling class, there is no remarkable change of circumstances depending on age, and, con- sequently, to these two classes the Theory is always applicable. But in the wealthiest class there is a most sudden and violent change made about the age of twenty ; and it is this class which supplies, in all pro- bability, the young life annuitants. Under the present system, the wealthiest class are subjected to very great restraint for the five or six years immediately succeeding the age of puberty. About the age of twenty they are emancipated, when they indulge themselves with an intemperance proportional to the previous abstinence. The youth of both sexes, between the ages of twenty and thirty, are acting under the influence of false notions of pleasure, acquired in a state of compulsory abstinence. Possibly, the continuance of habits of intemperance in the youthful rich is mainly to be attributed to the passion for distinction. The appendages of wealth are of no intrinsic value, and rich people prize them only as the means of dazzling the herd of mankind. About the age of forty, the rich appear to discover that they have been playing a very foolish game; and after that age, they do not (as slaves to fashion) sacrifice their health, in order to exhibit the length of their purse to their wondering poorer brethren. There is a second point on which the universality of the new Theory is subject to dispute, though of little practical consequence. In very early infancy, or below the age of one year, the Theory in general XVI appears to fail ; in some cases the error is great, in others insignificant. But the error is always on the same side ; the Theory always gives a smaller proportion of deaths below one year of age than the observa- tions. In most cases the difference is unimportant; in the Swedish observations alone is the difference very great. The extraordinary appearance presented by the Swedish Tables may be attributable to in- accuracies in the returns of ages, or to some peculiarity in the treatment of infants. If intervals of five years of age be taken, the Swedish agree with other observations in infancy, made under various circumstances on different populations. A given degree of inaccuracy in the return of ages, which produces no sensible disturbing effect above the age often years, may lead to very serious errors below that age, the error increasing as the age diminishes. At present, I think that there are no observa- tions strong enough in accuracy to contend againt the apparent univer- sality of the Theory. Future and improved accuracy of observation may demonstrate the inapplicability of the Theory below the age o{ seven or eight weeks. CHAPTER IL The force of mortality at any age is measured by the number of deaths in a given time, out of a given number constantly living. The given time has been here assumed to be one year, and the given number living to be one person ; consequently, the algebraic sign for the force of mortality represents — the quantity of death in one year for a unit of life at the assumed age; or rather (since the force is changing con- tinually) represents — the quantity of death on a unit of life which would occur by the action of this force continued uniform for the space of one year. The force of mortality is a simple function of the age, or time from birth, and is always of the form {ap") during each of the three periods of Infancy, Manhood, and Old Age ; where (p) is the characteristic of the period, and represents the ratio of increase or decrease of force of mortality in one year ; where (*) represents the force at some given age ; and where (x) represents the time (in years and parts) between xvn that age and any other in the same period ;— for the sake of simplicity, the given age may be assumed to coincide with that at which the period commences. Let, now, (y) represent the number Living or Surviving at any time (a;). The force of mortality at that time = ap" = decrement in unit of time on unit of life ; the finite decrement of {y) at that time = y y. a,p'; and the true decre- ment, or the decrement in an infinitely small given time, = ya,p''dx ; that is, — dy =: yap'dx. Using (0 to signify hyperbolic logarithm, and (e) to denote the base of a, — V'- 9 ^ X ji 9 ^P that system, we obtain by integration I- = j P and - = ^ If it be assumed that y = 1 when x = o, then g = e'P and the equation becomes y = e^P x e '^ or y = e^P And calling the modulus of the common system (k), and using (^) to signify common logarithm, the equation will finally become, — -—(I - p'). The above is the equation to the curve of Vitality, or rather is the form of the equation to each of the three segments of that curve. In each segment, the quantity (p) has its appropriate value. The first segment terminates near the age of nine years ; the second near the age of fifty-five. There may exist a very small fourth segment near the age of ten, in which ^ = 1. The above formula will not serve to dis- cover directly the number of survivors from hirth at any age above nine years. Before it can be so applied, two constants must previously be deduced from it : first, the value of (^) at the end of the first segment, and then the value of (^) at the end of the second segment. These constants, being used as multipliers, will give the values of (^) at any age, corresponding to a given number born. These values of {y) at annual intervals constitute a Table of Mortality. From the general formula may easily be deduced an expression for the probability of living one year, at any age ; by means of which, Tables of Mortality may be constructed with great rapidity and security from error. The honour of first discovering that some connexion existed between Tables of Mortality and the algebraic expression {cfi") belongs to Mr. Gompertz : but, to arrive at this single common point, his course of investigation differs so widely from mine, that appearances will be found xvm corresponding to the reality, — that my discovery is independent of the imperfect one of Mr. Gompertz. The new Theory is universally true. All valuable observations made in Europe concur in proving its truth ; and recent extensive and accu- rate observations made on the Jamaica slave population, of African parentage, are in conformity with it. Whence the conclusion is war- rantable, — that the new Theory is equally applicable to the lowest as well as to the highest grade of humanity, and to the inhabitants of tro- pical as well as of polar regions. The proof of the new Theory is of the strongest possible nature, being arithmetical. By the help of the simplest rules of arithmetic, any person may satisfy himself of the truth of the new discovery : he has only to compare the numbers in the Tables which I have constructed on one common principle, with the numbers in the Tables of highest repute, formed on no principle whatever. He will find the numbers correspond so nearly, as to give results identical for long periods, and almost identical for short periods of time. In very few cases will he ever find the differences to be greater than such as would have occurred in Tables formed by different persons from the same materials. The reader is requested to compare the Village Table with Mr. Milne's Table for Carlisle, at all ages above two months. The Table of Mean Mortality will be found to approach very near to the Swedish Table of Dr. Price. But the coincidence here is accidental, as this Cardinal Table was not intended to coincide with any existing one. The Tables for Northampton and Stockholm will be found agreeino- nearly with those of Dr. Price : but with respect to these two Tables, the support derived from the agreement is reciprocated. In order to facilitate examination, I have collected and condensed the information contained in the chief Tables in repute. I have given the annual deaths in intervals of ten years of age for every hundred living. By a very simple inspection, it may be perceived whether the observations accord with the Theory. When the decennial rate between the ages of ten and fifty increases one-third every ten years, and when this rate, after the age of sixty, doubles every ten years, then are the observations in near conformity with the Theory. For the period of Infancy, a good indica- tion of conformity with the Theory is, the proportion of three to two between the deaths of two successive years. Positive arithmetical coincidence is not to be looked for ; and if any such were adduced, it would tend rather to confute, than to confirm the Theory. The Theory informs us what are the chances of living or XIX of dying in a given time ; but it does not tell us how many must die. According to the doctrine of chances, there exists a high degree of im- probability that, in sixty throws with a six-sided die, an ace will be thrown ten times exactly: although this number expresses the true probability, and is more likely to happen than any other which can be mentioned. In six hundred throws, the times of throwing an ace will approach nearer the proportion of one-sixth than it would in sixty throws. Similarly, with regard to the new Theory of Mortality, as the number and extent of the observations increase, the nearer is the ap- proach to the true measure of the probability of Dying or Living. But perfect coincidence is never to be expected even in nature, much less in erroneous records; and still less in Tables deduced, by the erring judg- ments of individuals, from such erroneous records. In a work of the present nature, arithmetical accuracy is a quality of essential importance. In this respect, the accompanying Tables will bear comparison with any hitherto published : at the same time, they aim at a degree of precision never before attempted. These Tables prove by internal evidence their own accuracy. A very simple inspec- tion will serve to detect the existence of an error, however insignificant. All preceding Tables are so anomalous, that irregularity is consistent with correctness; but in these Tables, a breach of uniformity is an indi- cation of error. As a security against errors of the press, and as a check on errors in calculations founded on these Tables, this quality of unifor- mity is of no inconsiderable importance. The original calculations have all been performed in duplicate ; and two or three days have generally intervened between the similar steps in the parallel operations. The errors of all magnitudes detected in the process, amounted to one in every four thousand written figures. One half of these errors were so inconsiderable, that, if allowed to remain unrectified, they would not have affected the printed part of the results. They were either faults in arithmetic, in the taking out of logarith"ms, or in copying. The two former sources were the most prolific of error. \ XX CHAPTER III. The increase of a population has a great dependence upon the number of women at the child-bearing age, which may be assumed to extend from the age of twenty to the age of thirty-six years. In most countries, the proportion of such women is one-eighth of the total population. No sensible effect, I conceive, is produced by a woman's selecting a diflfer- ent period for the developement of her extreme prolific power. The best child-bearing period is that in which woman enjoys her maximum of strength and fertility. There is reason for believing that a woman does not yield more children because she may begin to bear before the age of twenty. That the strength of the children, as well as of the mother, will be deteriorated by early bearing, is almost certain. The fertility, or the chance of conception, probably decreases continually from the age of eighteen to forty-five. In different populations, the average extent of the child-bearing age may be expected to vary with the vitality. In a strong, healthy, and long-lived people, this period will certainly be longer than in a weak people. The period of sixteen years I have considered to be the average due to ordinary European circum- stances. There is a deduction to be made on account of total or partial barrenness. The proportion of women totally barren has been estimated at one in forty : to this is to be added a similar and equal barrenness of the men ; so that one-twentieth of the women are wholly unprolific. In the next place, an allowance more considerable is to be made for partial barrenness, or for the loss of fertility before the expiration of sixteen years. It would be diflBcult to make a good estimate of this quantity; probably a deduction of one-seventh on this account will be found not far from the truth. After making these two deductions, we arrive at this result; — that the proportion of the effective child-bearing women is one-tenth of the total population. From extensive observations made by Dr. Granville on women of Lying-in Institutions, the proportion of births to prolific years appears subject to very little variation in all women. This proportion is one birth every two years, until a woman ceases to bear ; the truth of which statement the experience of most people will confirm. If, then, the prolific power of any European population were fully exerted, every child-bearing woman would yield one birth every two years, and the XXI total child-bearing women would add annually one-half their own number to the population ; that is, the extreme prolificness of any- European population is represented by a number of annual births, equal to one-twentieth part of the total population. Their extreme unchecked prolific power was probably never exerted by any population for any considerable period of time. A very insig- nificant portion of the earth's surface is so insalubrious, that the popu- lation may not be increased faster than their food was ever increased. It is even doubtful whether absolute insalubrity has any existence in any part of the world ; for all observations hitherto made prove relative insalubrity only. In the island of Jamaica, for example, the mortality of Europeans is five times as great as that of Africans, which, again, is a little greater than that of Europeans at home. This does not prove the climate of Jamaica to be more unhealthy than that of Britain. We are only justified in concluding, that it is a very unhealthy climate for Europeans, and a probably unhealthy climate for Africans ; but, without at all straining the bounds of probability, we may imagine the existence of an indigenous population, more healthy than the African immigrants, and as healthy as Europeans residing in their native climate. The check on the exertion of the prolific power is scarcity of food. The more the prolific power is exerted, the greater is the difficulty of obtaining food. When the extreme power is put forth, famine and pestilence are seldom far absent. The severe moral and physical penal- ties attached (by the customs of all nations) to child-bearing, without the consent of the supporting relatives, would never have existed, if the supply of food had been unlimited. By restraining fecundity, there is no class of men, however poor, who may not become rich, and command all the real enjoyments of life. As a society improves in knowledge, the prospect of poverty, or semi-starvation, operates with increasing force. The degree of poverty of the bulk of a nation is one of the best tests of its intelligence, — taking scantiness and coarseness of food as the proper measure of poverty. . Brutes, and the lowest order of men, sacrifice their future happiness (in which that of their offspring is in- volved) for the sake of a present selfish gratification: a wise man is influenced by the remote probable consequences of his actions, and he will refrain from doing any thing which will add to his present enjoy- ment, by diminishing disproportionately his future enjoyment. The observations of Dr. Granville were made on the worst class of London Life; for it is reasonable to expect that the applicants for charitable aid belong to the most suffering , class of the community. d XXI 1 The great mortality of the children, of the women observed, supports this opinion. This mortality is not less than it was a century ago for the total London population, which then could barely maintain its numbers by the extreme of propagation. Either these people observed were (contrary to Dr. Granville's opinion) representatives of the worst class of London Life, or the increased duration of life in London is a fable. If they are supposed to belong to the class of severest mor- tality, it might be doubted whether the interval between two successive births would be the same in the general population as in this class. It might be expected that the births would be quicker in the general population, because subject to a lower degree of privation and mortality. In answer to an objection of this nature, I would urge, that the degree of privation is not so great as to affect considerably the chance of con- ception ; and that any effect thus produced would be balanced by the mortality of the suckling infants, which is greatest when the chance of conception is least. The minimum interval between two successive births is probably one year and eight months ; which minimum is appli- cable to the two extremes of the English population, — to the portion enjoying the strongest frames and the most robust health, and to the portion whose health and strength have been undermined and enfeebled by luxurious living; the latter portion (consisting of the wealthiest part of the community) not being accustomed to complete the function of child-bearing, by suckling their infants. The ordinary average annual mortality of a European population may properly be estimated at one death to every forty living. This pro- portion is subject to little variation on account of any common increase or decrease of population. The possible annual births having been shewn to amount to one-twentieth part of the population, we shall have, on deducting the deaths from the births, the annual possible increase of a European population equal to one-fortieth part, or to two and a half per cent. This gives twenty-eight years as the period in which a population may double its numbers. This rate of increase apparently agrees with that which has prevailed for a long space of time over the British American population. In most parts of Europe, population increases at the rate of one per cent per annum. The pos- sible prolificness of the British American population is undoubtedly much greater than that of the kindred British population at home. In all probability no people were ever so favourably circumstanced as the inhabitants of the United States for the development of health, strength, and prolificness. They obtain an abundance of plain and nutritious XXIU food by means of a moderate portion of labour, in a pure atmosphere. In England, the bulk of the population acquire a scanty supply of coarse food by incessant labour, in a confined and consequently impure atmosphere. In America, a large quantity of food is given in exchange for a small quantity of useful healthy labour: in England, unceasing toil frequently fails to purchase a sufficiency of the coarsest food. This superiority is, however, of a temporary nature. Every increase of density of the American population is another step towards the state of misery and privation at present existing in Europe. Whether it is desirable that any European population should in- crease, is an important question for philanthropists, the proportion of food to population being supposed to remain unchanged. The question resolves itself into this, — Does an increase of human beings add any thing to the national stock of happiness ? For any European population, I would, without hesitation, answer in the negative, and say, that an addition to the numbers was an addition to the general mass of misery. In the best state of society, pain and pleasure will balance each other; in the existing state of society in Europe, ten times as much pain as pleasure is spread over a man's life. There is but one advantage attending an increase of population worthy of consideration; it is this, — that knowledge increases with the density of a population. This will be manifest to any one who considers that additions to the common stock of knowledge are made by individuals ; as the number of indivi- duals increases, the additions increase, or knowledge more rapidly ad- vances. In the moral, as in the physical world, the effect of each man's labour increases, as the number of individuals with whom he acts in con- cert increases. There is another important question, — Is it desirable that a nation should exert its utmost powers of increase, when the supply of food is unlimited ? As happiness does not depend on abundance of good food alone, I would again answer in the negative. The' average soundness and robustness of health in a nation is one of the most important con- stituents of its happiness. Now, it is perfectly certain that the health of children closely resembles that of their parents. A person's stock of health and strength may be increased or diminished by education, but it will be mainly dependent on the source whence it is derived. It is, therefore, manifestly desirable that no weak or diseased person should transmit his defects to posterity. Even if his life were a blessing to an unhealthy person, it can never be so to the society in which he lives : he will defile every thing he touches — all his objects of attachment will XXIV be injured by his love. When food is secured, procreation ought to be so directed as to yield the highest amount of health, strength, velocity, and intelligence, which are the elements of every thing good and beautiful. It is a fact, capable of demonstration, that the population of Britain may be 'mcressed^ve-fold, — that the soil and agricultural knowledge possessed by Britain are capable of yielding an abundant supply of good food for five times the existing number of inhabitants, without increasing the proportion of agricultural labour due to each individual. The knowledge of this fact has induced many well-meaning people to exert themselves strenuously in support of the doctrine,— that all actions tending to increase the population are deserving of national encourage- ment. The benevolence of such men gives additional force to their erroneous and mischievous opinions. Every man, who is intelligent as well as benevolent, will regard the increase or decrease of a population as an object of secondary importance; such a man will direct his chief exertions towards the increase of the proportion of food to population. He will endeavour to accelerate the increase of food, and to retard the increase of the population. If the population of Britain were to exert their extreme prolific. power, and at the same time were to receive an abundance of food, they would quickly degenerate from their high rank among European nations. All the existing bodily and mental defects and diseases would then be transmitted to the next generation ; whilst, under the existing pressure of privation, not more probably than one- half are transmitted (although new ones are created). In the struggle for existence in which all European populations are engaged internally, the weak in body and mind are commonly last in the race ; they become impoverished, are shunned by others, and leave behind them no progeny or heirs to their defects. In all classes of all countries there are re- strictions on the exertion of the extreme prolific power, and all these restrictions are more or less beneficial. Strength, beauty, and intel- ligence, will retain their hold upon the affections of man as long as he endures ; and the force of these virtues will greatly neutralise the effect of money, in the struggle for giving life to the future generation. In a perfect state of society, the good qualities of mind and body will alone form the grounds of attachment or preference between individuals. At present, the possession of money, by inheritance or descending con- sanguinity, exerts a great disturbing and deteriorating influence on European populations. The greatest defects of body or mind, conjoined with money, are secure of transmission to posterity. XXV A good system of hereditary distinctions is much to be desired. Talent is hereditary ; and it is desirable that the possessors should bear distinguishing marks, which may operate as premiums on the propaga- tion from a good stock. The chances are much in favour of the exist- ence of talent in the children of people of great natural endowments, and as much against the existence of talent in the children of parents who have never possessed any corporeal or mental virtues. Taking the untried progeny of 1 00 horses, of various ascertained degrees of swift- ness, and supposing them to run a race; — the chances of reaching the goal first would be more in favour of the foal of the swiftest horse than in favour of any other foal j but some one of the 99 opponents is likely to outstrip this foal of the swiftest horse. If the same equality pre- vailed among men as among horses, it would not be very difficult to assign to each man his order of merit. But under the existing unequal distribution of the advantages of education, it is not easy to distinguish the endowments of nature from the adventitious accomplishments of art. The pre-eminence of any individual (under the existing system) is generally the result of natural talent of no high order, combined with extrinsic, fortuitous, and extraordinary advantages of cultivation. In all probability there lived contemporary with Newton hundreds^f Englishmen his superiors in mathematical discernment, or in the power of drawing j ust conclusions from a given quantity of facts, relating to space, time, weight, or number. Assuming that a child inherits one-half of the aggregate qualities of his father and mother, or (less correctly) that he inherits one-half of the qualities of each parent; the grandchild will inherit l-4th, the great-grandchild l-8th, of the qualities of either first parent. The child from the fifth generation will possess no more than l-32d part of the blood of the original parent. If a distinction were conferred on the first parent, and transmitted to his descendants in such a manner that the honours diminished as the original blood diminished, no evil would ensue, if the honours were reckoned on the side of one parent only. But if the honours are reckoned on both sides, and if the father and mother bear equal distinguishing honours, the children would be entitled to the same honour as their parents. To obviate this absurdity, of accounting a man of presumed excellence equal to a man of tried excellence, a decree of this kind should be made; — that two-thirds, instead of one-half, of any hereditary honour shall be extinguished at each generation. In this case, the child from the fifth generation would possess only l-243d part of the honour of either first parent. XXVI If males and females of similar honours are always paired, then l-3d of an honour is extinguished at each generation, and the child from the fifth generation would possess about l-8th part of the original honour. CHAPTER IV. In all countries, and in all classes, there is a manifest difference in the mortality of the two sexes ; and the difference is always in favour of female life at all ages. Taking a gross average, it may be said, that female life is better than male life, in the proportion of eleven to ten. This superiority is not occasioned by any difference in the ■occupation of the two sexes ; for, in Infancy, it is as conspicuous as at any other period of life. With improved accuracy of observation, a comparison of male with female mortality may lead to some very useful results ; principally, perhaps, in shewing the dependence of the first and second periods of mortality on the age of puberty. So far as the existing imperfect observations can be trusted to, there is a strong appearance of the periods of " Infancy " and " Manhood " termi- nating at an earlier age among females than among males. No existing Table affords any foundation for the belief, that child-bearing produces any disturbing effect on the female rate of mortality. The sensible mark, indicating that a woman has arrived at the termination of her child-bearing age, is probably closely dependent on the year of life at which the period of " Old Age" commences in her class. The remote cause of the difference in the mortality of the two sexes is yet hidden among other secrets of nature. There is known, however, a proximate cause to which it is probably referable. Throughout the animal kingdom, this general law appears to prevail, — that males are more excited by given circumstances than females are. Now, all sick- ness is occasioned by excessive excitement (positive or negative) of some particular organ ; and sickness will be most severe in the sex subject to the higher degree of moral and physical excitement. Let any one institute a comparison between his male and female acquaintance ; he can hardly fail to come to the conclusion, that activity is as much the characteristic of the male, as passiveness is of the female sex. In xxvu the outward signs of feeling, women outdo men, and children outdo women ; but neither women nor children are, on that account, to be esteemed as capable of more intense pleasurable or painful excitement. The most violent internal commotion is generally accompanied by a forced calmness of exterior. Those who are most ready to give vent to their feelings in words, rarely exhibit much feeling or resolution in their actions. The passions of women more quickly rise, and also more quickly subside, than those of men; but the intensity and duration of excitement is much inferior. The nervous energy t)f the female is much less than that of the male ; and her superior quickness of excite- ment may be accounted for on the principle, that a small mass is more easily set in motion than a large mass. There is one passion about which some doubt might be entertained, on account of the peculiar organisation of the female, — I mean the sexual. Is this passion stronger in the female than in the male? The reverse is manifestly the case among the inferior animals; and appearances do not oppose the expectation, that the human race, in this respect, obey the law to which other animals are subject. In the shape of proof, may be adduced the records of suicide in Paris, which shew that love kills much more males than females. It is now time that the decision of the ancient Greeks in this matter should be reversed. I allude to the fabled sportful dispute between Jupiter and Juno, wherein the judge is made to award the palm to Jupiter's opinion, that woman had the larger half of the pleasure shared between the two sexes. CHAPTER V. The rate of mortality in large towns is greater than in small towns, and greater in the small towns than in the villages of any nation. This truth has been long known ; but no satisfactory reason has yet been advanced, why a country population should live longer than a town population. The excessive mortality of large towns has most commonly been attributed to intemperance and debauchery ; that is to say, a population known to be suffering a high degree of privation, are supposed to kill themselves by excessive indulgence. In gratifications of inferior moment, it frequently happens, that a man inconsiderately XXVIU purchases one pleasure by the sacrifice of one more valuable. But it may safely be denied, that any considerable body of men are content to exchange their necessary food for any other gratification. No enjoy- ment can co-exist with the pain of hunger. The proportion of people having the power and the disposition to kill themselves by excessive indulgence is so inconsiderable, compared with the total population of any city, that where there is one death from having too much, there are one hundred deaths from having too little. The popular notion, that intemperance causes death, is true, indirectly ; but the evil arises from the institutions of society, which sanction the slavish subjection of children to the male parent. There are few fathers of families who do not endeavour to increase their own enjoyments, by diminishing the just gratifications of their wives and children. If the man is poor, this tyrannical disposition is displayed by spending on gin for himself, what ought to be expended in allaying the hunger of his family. Proportioned to the strength of this disposition, is the degree of hunger, and the degree of mortality. There are two principal causes to which I would ascribe the exces- sive mortality of large towns, viz. to excessive poverty, and to excessive impurity of air inspired. In other words, these causes are two kinds of privation, — first of food, and then of space. At first sight, it appears improbable that there should be more poverty in cities than in villages ; because it is a well-known fact, that money wages are considerably higher, and real wages a little higher, in cities than in villages. If all labourers obtained constant employment, there would be less poverty in cities than in villages; but this is not the case. Some labourers receive no wages, and very little victuals, for one month every year, some for two months, some for three, and so on. But there is a certain average of unemployed time, in every class of labourers in every place, which might be ascertained without much difficulty. This average waste starving time I imagine to be much greater in cities than in villages; and the reader will agree with me, if he admits that labourers and capitalists have similar principles of action. It is a well-known fact, that the expectation of a high prize, either in a mine or in a lottery, will exchange for much more than the true value of that ex- pectation. In the hopes of getting a high prize in the lottery, many sensible men have paid £16 for a chance, which, on sure mathematical grounds, they knew not to be worth £8. On the same principle opera- tives proceed : they are all ready to sacrifice twenty shillings a week (nearly) constant employment, for twenty-five shillings a week uncer- XXIX tain employment. Now, if the lottery principle be correctly applied, the receivers of twenty-five shillings will acquire less money in a given long time than the receivers of twenty shillings. Operatives will endure more to obtain a sum of money distributed in twenty-five shilling prizes, than they would endure for the same sum distributed in twenty shilling prizes. Hence high wages, unconnected with high talent, is an indica- tion of great poverty ; of course, the places selected for comparison must have free communication with each other. In a city, a man obtains more food for a day's labour than he does in a village ; but, in the course of the year, he will have obtained less food in the city than in the village, by reason of the excess of unemployed time in the city. Inequality of employment is also a cause of death, at least it is so when combined with that improvidence or ignorance, whicli is the necessary attendant upon a system which degrades and confines the labourer to the lowest animal gratifications. There is another reason why the want of food should be felt more severely in cities than in villages. It is this; — that in cities, the sufferers are generally among strangers, whilst in villages they are at home among relatives. It is not so easy to undergo a process of starvation among relatives as among / strangers/ " ".. The second cause of excess of mortality in cities, is impurity of the - air respired. This impurity arises chiefly from privation of space. The purity of confined air increases as the space allotted to each individual increases. About one thousand cubic feet is the proper lodging space for each individual. Perfectly pure air is that which is inhaled in fields; the air in broad streets, or between two parallel walls, is of nearly equal purity. The first stage of sensible impurity may be represented by a cubical vessel having its sixth side removed. In such a vessel, all direct motion is prevented, and the included air will be stagnant, unless acted upon by the motion of the external air, in contact with the open side. If the sixth side of the cube be added, we shall arrive at the second stage of impurity, in which all human habitations are to be classed.' If the joinings of the cubic apartments in which men live were air-tight, we should obtain perfectly impure, or irrespirable air. In connexion with this subject, the close alliance existing between " civilisation " and pulmonary consumption is well worthy the most serious attention. The function of the lungs is of equal importance with the function of the stomach. Good air is as necessary for health as good food. The inhabitants of villages enjoy better health than those of cities, because XXX they inhale purer air. The circumstances of the villager impel him to pass the chief portion of his time in free, unconfined air ; whilst the circumstances of the citizen cause him to spend all his time in a con- fined space of impure air : the employment of the former is out' of doors, of the latter in-doors. This is applicable to only one-half of a man's life, — to twelve hours out of the twenty-four; there remains for consi- deration, the manner in which the two kinds of labourers are lodged at night. In this respect, also, it will be found that the villager is greatly superior to the citizen. The average cubical space allotted to the lodg- ing of each individual is much greater in villages than in cities. The crowded state of the poorest class of city labourers is a well-known fact. That the general bulk of city labourers are more crowded than the general bulk of village labourers, results from the undeniable fact, that space is much more valuable in cities than in villages. The rent of a given sized room is much higher in cities than in villages ; and a city labourer's inducement to live in impure air is proportionally in- creased. CHAPTER VI. The circumstances most favourable to vitality, consist in alternations of privation and saturation, — in changes between tension and relax- ation. The best bodily ec^ucation is that which elicits the endurance of the greatest oscillation between privation and saturation. There is a certain degree of elasticity in the organs on which life depends, which is capable of unlimited increase or diminution. The elasticity of any organ may be destroyed by either of two opposite causes, — long- continued excitement, or long-continued repose. These two causes of destruction are in constant operation in all " civilised " countries. Most Europeans belong to one of two classes, — either to that of con- tinued privation, or to that of continued saturation. The labouring class suffer continually a high degree of excitement, and enjoy vei-y little relaxation from hunger or labour; the monied, or non-labouring class, are surfeited with repose which they cannot enjoy, because they have not been previously excited. But experience proves that satura^ tion impairs health and strength much more than privation does. XXXI Those men who possess what are esteemed the advantages of wealth and birth combined, are almost invariably distinguished by feebleness of body. The labourer is continually subject to the evils of exhaustion ; the monied class are continually subject to the evils of repletion. Food and repose ought always to be preceded by hunger and labour; this law of Nature is not to be infringed with impunity. All labour consists in the exertion of the contractile force of a certain muscle for a certain time. A weak force of contraction may be continued for a long time, a strong force can be maintained only for a short time; the former constitutes gentle labour, the latter hard labour. The compressing effect of hard labour is much greater than that of gentle labour; and the elasticity or health of any organ appears to be proportional to compression, accompanied by adequate repose. The health and strength of a man who labours eight hours a-day may be greatly in- creased by making him do in a day of six hours what he was pre- viously accustomed to do in seven hours. By combining privation and saturation in the same individual, and increasing both to their extreme limits by insensible degrees, I believe that the health and force of man may be 'rendered superior to that of any existing animal. I shall borrow an illustration of this opinion from the phenomena occurring among brutes. It holds true generally, that the wildest animals are also the strongest. Ferocity and strength, docility and weakness, are most commonly combined. The lion may be considered as the representa- tive of ferocity and intractability ; the horse, of timidity and docility. Consequently, in comparison with the lion, the horse's strength is weakness ; that is, a given mass of muscle of a horse will produce an effect much inferior to that of a lion. That a lion is stronger than a horse, in sudden momentary muscular exertions, will hardly be dis- puted ; but it might be denied that a lion would effect more in a day than a horse, although it might be admitted that he would effect much more in a minute. But I believe that there exist no grounds for supposing that one animal, whose extreme muscular tension is greater than that of another, should not maintain a given moderate degree of tension longer than the weaker animal. It is, however, extremely probable that, by increasing the time of action, the relative superiority of one animal over another may be diminished indefinitely. The total muscular action of any animal is closely dependent on the quantity of food consumed • and as the stronger animals do not consume much more food than the xxxu weaker, it is not to be expected that the muscles of motion should pro- duce a much greater continued effect in the former than in the latter. Animal strength may be nothing more than the faculty of compressing a given quantity of muscular action into a small space of time. If the experiment could be tried, I imagine that the strength of the lion and of the horse would be found related in this way ; — that, for impulse or instantaneous effect, a lion is three times as strong as a horse; but that, in a day, the total extreme development of strength in a lion would only be twice as great as that of a horse ; and that, in two days, the superiority would be less than in one day. The best indication of strength consists, I believe, in the density and compactness of the structure of bones and muscles. The cause of this superiority remains to be considered. I believe the lion to be stronger than the horse, because the former is exposed to greater alternations of privation and saturation. The food of the horse is distributed in small parcels, which may be collected by very easy exertion, continued for a short time in a rich pasture, and for a long time in a scanty pasture. The food of the lion is distributed in large masses, not to be obtained except at the expense of the most violent effort. Before the lion enters into action, the pain arising from the privation of food must preponderate over the pain of extreme muscular exertion: before a horse acts, it is only necessary that the privation of food should be great enough to balance the pain of a very low degree of muscular action. Nature requires of the lion great mus- cular tension, continued for a short time ; and she requires of the horse weak muscular tension, continued for a long space of time. The differ- ence in strength between a horse and a lion rests, I imagine, entirely on this remarkable distinction. This opinion (of incalculable importance, if practically adopted), when expressed in general terms amounts to this, — that muscular strength increases as the average muscular tension is increased. The power of any muscle may be increased, bi/ diminish- ing the time, and increasing the force of tension. The above remarks relate particularly to the muscles by which animals operate upon external objects, or to the muscles of motion; but they are indirectly applicable to the minute muscles presiding over the complex internal atomic movement existing in every animate body. The organs of digestion, like the muscles of motion, are the strongest when they are accustomed to the greatest tension for a short time, followed by a long interval of repose. No tame animal could survive the gorging of a ravenous beast of prey, any more than it could endure XXXUl the long previous fasting. In a long given time, as one year, a horse will probably move over the same space of ground, and consume the same quantity of food, as a lion : but in eating and in moving, the lion will probably effect in four hours what a horse requires twelve hours to efiFect. The extreme shortness of the alimentary canal in beasts of prey is probably consequent upon the extreme strength of the digestive organs. Like the muscles of motion and digestion, are the organs or muscles by means of which animals resist or adapt themselves to changes of external temperature : those which are habituated to encounter the greatest changes are invariably the best and strongest. In support of this opinion may be adduced the well-known fact, that the English people are better able to endure sudden changes between cold and heat than any other civihsed nation. The variable climate of England demands of the muscles of temperature the most energetic action, continued for a short space of time; whilst other climates are so equable in their variations, that a languid action of long continuance is re- quired of these muscles. For the muscles of motion and digestion, the point of saturation is ascertainable, and subject to little variation; but for the muscles of temperature, this point varies greatly. It is easy to determine, by experiment, the quantity of labour and the quantity of food which will produce the greatest health and strength ; but the most advantageous temperature is not so easily to be determined. I believe the natural and the best point of saturation to be, — the mean tem- perature of the climate. The human body ought to be so disciplined, as to feel most comfortable without clothing in motionless air of the mean temperature of the climate. The phenomena occurring among the human race are in perfect accordance with the phenomena observed to exist among the inferior animals. The wild men (called savages) are greatly superior to the tame ones (calling themselves civilised), in every physical advantage. There is hardly a European in existence who could compete (with any chance of success) with an ordinary North American Indian hunter, in either of the three grand tests of animal power, — marching or run- ning the greatest distance in a given time; enduring the greatest hunger or thirst ; and bearing the greatest extremes of heat and cold. The astonishing indolence of savages is a mark of affinity to the charac- ter of the lion, which knows no medium between perfect repose and most violent action. It is a fact, too well known to be disputed, that the hardiest XXXIV constitutions are to be found among the people who have to endure the severest privations. The tenacity of life is greater among the survivors of great privation than among the survivors of lesser priva- tion. But muscular strength is proportional to the degree of privation and saturation combined, and not to the degree of privation alone. The majority of European labourers suffer moderate privation con- tinually, with little or no admixture of saturation. The effect of in- cessant privation is, to prune a population of its weaker branches, and to leave only the very best lives. These lives, however, have not been improved by passing through this ordeal ; but, on the contrary, have suffered injury proportioned to the privation. Excessive labour, with insufficient food and repose, exhausts and debilitates the strongest frame. If the process of exhaustion has been of long continuance, the suffering individual will never be able to recover the health and strength which he has lost; but his offspring may, by judicious treatment, im- prove their health, so as to attain the rank from which their parent fell. The men of the strongest and most robust frames are not found among those who labour hardest, but they are generally found among those who labour moderately, and are well fed. The best elements of life and strength are to be sought for among the hardest-faring men ; and in performing experiments to elicit the greatest human muscular action, the individuals ought to be selected from this class. The children of the selected individuals may be rendered greatly superior to their parents, and, in a few generations, a greater degree of muscular strength may be elicited than was ever known among men. There is no apparent limit to the increase of the muscular force of man ; he may render himself stronger than a lion. The causes of strength and weakness are placed out of the reach of the lion, but within the reach of the intelligence and regulations of man. Strength depends on the length of the oscillations between privation and saturation. Strength is im- paired by too great, as well as by too small, oscillations. Man possesses the exclusive privilege of commanding the length or extent of oscilla- tion ; which privilege, hitherto, has been worse than useless to him. Instead of using it to increase his strength, \vhich he might do, by insensible additions to the length of the average oscillations, he impairs his strength by extreme and unnatural diminutions in the extent of oscillation. In the making of war, the strength, velocity, and hardiness of the soldier are of the utmost importance. The effect of courage and disci- pline may be more than doubled by the careful cultivation of qualities XXXV which have been hitherto totally neglected. An English soldier under- goes no preparation for improving his capacity of enduring long marches, extreme hunger, or extreme cold. On the contrary, there is the strongest ground for believing, that the treatment he experiences is positively inj urious, and tends daily to diminish his power of with- standing the effects of fatigue, cold, and hunger. It is a remarkable fact, that the mortality and the sickness of English soldiers at home are very much greater than among the English labouring population of the same age. The proportion of three to two will nearly express the relative mortality and sickness for a soldier and for a labourer. When it is considered that all soldiers are picked men, the difference is still more surprising ; and it is very probable that soldiers suffer twice as much death and sickness as labourers of equally good constitutions. As soldiers are under the absolute control of government regulations of health, which have never been excepted against, this fact indicates the value of the knowledge in England respecting the laws of health. The error in the treatment of soldiers consists, I imagine, in the suddenness of passage from a state of continued privation to a state of continued saturation. An English recruit suddenly exchanges coarse and scanty fare, hard labour, and cold lodging, — for good food, warm lodging, and the exercise of drilling. The previous hard labour is but slightly compensated by the fatigue of drilling. In the former, the great muscles are exerted ; in the latter, the exertion is chiefly confined to the smaller muscles of motion. It is not improbable that the ordi- nary muscular action of a day labourer is ten times as great as that of a soldier, although the fatigue on both sides may be equal. It is never expected that a man who has lived in luxury can suddenly descend to privation, without serious injury : it ought no more to be expected, that a body formed under privations can with safety be suddenly transferred to a state of satiety. The excessive mortality of soldiers cannot reason- ably be ascribed to their superior freedom from moral restraint ; for it is difficult to conceive that any considerable quantity of intemperance and debauchery can be purchased for half-a-crown a-week, which is the limit of the English soldier's spending money. As a remedy for the existing evil, I would suggest, — the exercising of thie soldier in walking, running, and leaping, — the diminution of harassing and unprofitable drillings, — and the reduction of the average temperature of the soldier's skin, by changes in clothing and lodging. From every soldier, let ten miles of running be exacted every day, or XXXVl rather one hundred miles every ten days. The kind and quantity of food might remain unchanged, but the frequency of meals should be diminished. The adoption of a plan of this nature would, I conceive, quickly restore the health of soldiers to the level of that pf labourers ; and in a few years soldiers would become what they ought to be, — the healthiest and strongest part of the community. The experiment pro- posed may very easily be tried, and the correctness of the principle be proved or disproved, by its application to two or three regiments. If the average rate of sickness be not considerably reduced in a few months, then is the principle to be abandoned, and some new cause of the pernicious consequences of the existing mode of treatment is to be sought for. There is nothing, probably, more deserving the deepest attention of the army government than plans for the diminution of sick- ness. At home, or in a short campaign, the injurious eflPects of sickness are not very important ; but in a long campaign, and in all great effotts, at least one-half of the army expenditure is to be placed to the account of sickness. It is an important fact, that an English army cannot long continue active operations before one-third of its power becomes paralysed by sickness (exclusive of inefficiency from wounds in battle). The enormous proportion of sick is attended with a corresponding mortality, which occasions a vast expenditure in the recruiting and transport departments. Simply by reducing the rate of sickness one-half, it is not improbable that the expense may be reduced one-half, of main- taining an active army of a given efficiency in a foreign country. The monied class of England are greatly inferior to the labouring class in corporeal advantages. Those who live in a state of continued saturation, cannot compete in bodily exercises with the suflFerers of continued privation. But the monied cIeiss have it in their power to reverse this relation ; they have only to adopt a system of voluntary privation, alternating with their ordinary state of saturation. The readiest means of attaining the desired object, would be to subject themselves to a system of military regulations. They would be no losers in present happiness by so doing : the pain from fasting, from hard labour, or from exposure to cold, is very inconsiderable, when we have in close and certain prospect the unbounded gratification of the desire excited. The pleasure of gratifying a new want is an indis- putable gain, to which is to be added the distant pleasures inevitably attendant upon improvements in health and strength. Privation is an ingredient of pleasure more indispensable than saturation ; for the xxxvu place of the latter is often supplied by the imagination. Pleasure may be defined to be, the meeting together of privation and saturation; in the same manner as the electric shock is the rushing together, commingling, and neutralisation of two antagonist fluids ; the shock, in either case, being proportional to the previous degree of tension. CHAPTER VII. There exist§ a popular notion, that the mortality of the English popu- lation has been diminishing for the last century. This notion is founded upon National Returns of Living and Dying, acknovyledged on all sides to be very imperfect. Any approach to correctness in these returns, rests entirely on the principle which impels a man — to tell the truth (if known), when nothing is to be gained by the trouble of falsification. But there exists no principle impelling a man to incur the irksome labour of closely investigating and accurately reporting a truth or fact in which his own immediate interests are not concerned. Any consi- derable body of men, having a certain duty to perform, never do it carefully when they receive the same amount of praise or money for doing it negligently. These Returns cannot lead to any safe conclusion as to the absolute rate of mortality at any time ; although they may indicate the relative rate of mortality at different times ; and they are to be considered as strong evidence of a temporary diminution of English mortality. The force of this evidence would be very great, if any satis- factory reason had been alleged to account for this diminution ; but so far is this from being the case, that the strongest arguments can be adduced to shew that English mortality ought to have been increasing during the last century. Mortality varies inversely as food, and food varies as wages. Now, it is an undeniable fact, that wages have been continually decreasing during the last century : the day-labour of a man now will excbajige for one-third less com than it used to do ; conse- quently there is strong ground for believing the mortality to have been increasing. This seeming paradox, of a population improving its health by diminishing its food, may be accounted for by change of circum- stances so great, that wages do not afford any good measure of the food f xxxvin consumed in times so distant. The English labourers of former times were small farmers or cottagers, like those of Ireland now ; they de- pended more upon the produce of their plot of ground than upon the produce of their labour in the service of others. Even if the same kind of food were consumed, we could not safely institute any comparison as to the amount consumed, founded upon the wages of such labourers and the wages of labourers of the present day, who depend entirely on their labour-earnings and on the poor's rate. But what I apprehend to be the true solution of the diflSculty is, the substitution, to a very great extent, of potatoes for com. It is very probable that more nutriment is obtained by English labourers of the present day, by the expenditure of two shillings on a mixture of corn and potatoes, than could be obtained from three shillings expended on corn alone. In order to ascertain the rate of mortality to which a nation is subject, there is no method to be placed in competition with that of decennial enumerations of the living, classed in decennial intervals of age. This method is greatly superior to any other, because the result sought will be affected in the lowest possible degree by errors in the enumera- tion of the total population. The absolute mortality will be made to depend almost entirely on correctness of proportion in the distribution of the population in classes of decennial age. This is a kind of correct- ness on which the greatest reliance can be placed, in operations of mag- nitude, as there exists the highest mathematical probability that any errors of distribution in one return will be neutralised by opposing errors in some other return. The English Population Returns for 1831 have been published whilst the present work is passing through the press. Their form is very unsatisfactory, and is an indication that the science of life measure- ment has made a retrograde movement. The best, and perhaps the only, opportunity which ever existed of determining with accuracy the abso- lute mortality of an extensive and varied population has just been thrown away. If the ages of the living population had been returned in the present, as they were in the Report of 1821, we should now be informed of the rate of mortality prevailing in every district of England. From the English Population Returns no valuable informa- tion is to be derived, respecting either the relative or the absolute mortality at different ages. From a statement made in the Returns of 1831 of the ages of the XXXIX dying population of the county of Essex, I entertain a strong suspicion that the apparent diminution of the gross English mortality arises entirely from the retrogression of the limit of infancy from the age of nine to the age of seven years. CHAPTER VIII. There subsists the most intimate connexion between Sickness and Death ; and, in the order of nature, the latter is preceded by the former as its cause. That death and sickness simultaneously increase and decrease, is a proposition which few people will be inclined to dispute. From a great extent of observations, I have collected the important fact, that death is proportional to duration of sickness alone, and is independent of intensity. These observations have been made on military masses of the greatest magnitude, under the widest variety of circumstances. They serve to establish the fact, that in any con- siderable quantity of men, placed for a given time under peculiar circumstances, there exists a fixed proportion between the number of deaths and the aggregate duration of sickness ; and, what may appear extraordinary, the definite proportion which is applicable to one set of circumstances, agrees nearly with the definite proportion which is applicable to any other combination of circumstances. Two years of sickness to each death appears to be the law of nature, from which little deviation is allowed, except in very unhealthy climates. This proportion has been observed to rule over the English army employed in the Peninsular war, the European troops in the East Indies, and the native troops in the East Indies. In the English army, at home and inactive, there are 2^ years of alleged sickness to each death. In the English West India army, there is 1^ year of sickness to each death. In the East Indies, the proportion, more correctly stated is, 2^ years for the native troops, and If years for the European troops. The experience of Benefit Societies shews that this proportion for the English working population approaches very near to two years. In any popu- lation between the ages of 20 and 55, if the numbers constantly sick amount to four per cent on the living, then it may be safely inferred that the annual deaths amount to two per cent on the living. xl At different ages, the rate of sickness increases as the rate of morta- lity increases. The expectation that it ought, is so reasonable, that Dr. Price long ago acted upon it in the construction of his Tables of Sickness, which are in universal use. The opinion is confirmed by the report of sickness in Scotland, made by the Highland Society, at least with the exception of old age. But the opposition here is a very questionable fact, and of no practical importance. In constructing the Tables for provision in sickness and in old age, I have been influenced by the general principle, — that all savings from the earnings of labour ought to be made before the age of fifty-five years; that between the ages of 55 and 65 a man should expend the labour barely sufficient for his maintenance ; and that for the portion of life which may be enjoyed after the age of Q5, he should subsist entirely on previous savings. According to these Tables, the allowance during old age commences at 65, but the weekly payments given in exchange for it cease at the age of 55. The Health Assurance Table is confined to periods terminating at the age of 55 ; at least it is so when the price paid is an even weekly payment, continued from the age of admission to the end of the term of insurance. But I have given a second Table, wherein the contributions are variable and increasing, which shews the value of health insurance for the term of one year, at all ages below 70. By the help of -this second Table, the even weekly payment for health insurance, commencing at 55 and termi- nating at 65 years of age, may be obtained sufficiently near for practical purposes. The basis assumed of my Tables of Sickness, is intermediate between that reported by the Highland Society, and that said to be assumed by Dr. Price. But the basis really assumed by Dr. Price in his Tables differs from mine in a very insignificant degree. Dr. Price appears to have fallen into the error of confounding an assurance for a long term with an assurance for a short term. He seems to have assumed, that the weekly payment for health insurance for thirty years does not differ from the weekly payment for a term of ten years. It is, however, not improbable that the error was known at the time, — that Dr. Price preferred making an incorrect statement, to the exposing of difficulties of calculation, which neither he nor any other person has succeeded in surmounting. By the help of the new discovery, I have been able to overcome the difficulty in one case only ; and, most fortunately, this case is the only one of great practical importance. I would here observe, that a Life and Health Association may act in xli such a manner as to exhibit results differing widely from my Tables of Mean Mortality and Sickness; and yet there may be no reason for calling in question the correctness of the assumed averages. For I present these Tables as the best standard of truth for a long space of time, on the supposition that the management of the Society is liberal and intelligent in an average degree. By liberality, I would be under- stood to mean, the disposition to admit rather exceptionable lives, pro- vided that the inducement to seek admission has not been founded on the knowledge of this exception. The profitable effect of a Life and Health Association greatly depends on the Tables selected ; but it is still more dependent on the general management. ILLUSTRATIONS OF THE TABLES. Tab. a. 1. Out of 146,472 born alive, 100,000 attain the ^e of 12 years, 50,224 attain the age of 60, and 1702 die in their 61st year of age. Tab. a. 3. The value of annuity of £1 on a single life, aged 60 years, when the rate of interest is 4 per cent, is 9*0179 ; the payments being made at the end of annual intervals, and no allowance being due for the fractional time lived in the year of death. Tab. A. 6. The present value of annuity of £ 1 on the joint continuance of two lives, aged 20 and 30 years, is 15*6890 ; the annual payments cease on the failure of either of the two lives. Tab. A. 21. The average duration of life from and after any age, is termed the expectation. A person aged 35 years has an expectation of living 28'1617 complete years. To obtain the total expectation, about half a-year is to be added to the numbers in this Table for fractional years of existence. Tab. a. 22. Of two lives, aged 30 and 40 respectively, — the probability that the younger will die first, is represented by -37259 ; that of the elder by •62741 ; — the sum of these probabilities, or certainty, being represented by unity. Tab. a. 30. In a stationary population, wherein 100,000 attain the age of 12 every year, there are 903,374 constantly living between the ages of 20 and 30, and 8445 annually dying in the same interval of age. For 100,000 living at all ages, 42,073 are between the ages of 20 and 50. Tab. A. 31. In a population increasing ten per cent every ten years (but stationary during each decennial interval), wherein the living, between the ages of 20 and 30, belong to the stationary population of the adjoining Table; — out of a total population of 6,055,290, there are 1,480,766 living below the age of 10, which is equivalent to 244,541 out of one million. Tab. a. 32. Health insurance for the term of one year. For lOOd. a week during sickness, a person who has just completed his 30th year will be required to pay 2d. (2"0137) per week. The benefit and the weekly payments terminate at the age of 31, when another annual engagement may be made. Tab. a. 33. Health Insurance during the effective stage of Human Life. A person who has lived exactly 25 years will be required to pay 2^d. (2-4927) xlii per week for 30 years, in order that he may receive lOOd. per week during the portion of that time in which he may happen to he sick. For ten years' insur- ance, from 55 to 65, the even weekly payment is about 6|rf. Tab. a. 34. A person aged (precisely) 25 years will be required to pay a weekly premium of 7d. (6-9257) for 30 years, as an equivalent for lOOd. per week, after 40 years, or for the time he may live beyond the age of 65 years. Tab. a. 35. A person aged 25 will be required to pay 6d. (5*9530) every quarter of a year, in order that his representative may receive £5 on the day of his death. Tab. a. 36. The present value of a deferred annuity of £10, payable to B, now aged 30 years, in case of surviving another person, A, now aged 40, is £52-001 in a single payment, and £3-6002 in yearly payments, during the joint lives, the first payment being made now. If the deferred annuity is to commence growing from the death of A, and not from the date of the last annual payment, the numbers in this Table will then be a trifle too high. Tab. a. 37. At the age of 40 years precisely, the force of mortality is such, that 1-4526 would die in one year out of 100 constantly living. Tab. B. 23. Village Mortality. For £100 payable on the deafh of A, aged 40, provided that another person, B, aged 50, be then alive; — the single payment is £19-954, and the annual payment during the joint lives is £ 1-689. Tab. B. 24. For £100 payable at the end of the year, in which a person, now aged 35, may happen to die. If the assurance extends over the whole of life, the equivalent annual payment for life is £2-0300 ; if the assurance is only for the term of one year, the payment is £ 1-0140. Tab. C. 6. Comparative view of three Tables of Mortality, assuming as a common base, that 100,000 annually attain the age of 12 years. According to the Table of Mean Mortality, between the ages of 20 and 30, the sum of the living at the beginning of each of the ten annual intervals is 907,597 ; the annual deaths amount to 8445; and the proportion of annual deaths to 100 annual survivors is -9305. The number of annual survivors exceeds the number constantly living by half the annual deaths nearly, which excess is generally very small. Tab. C. 7. Between the ages of 20 and 50, with the Mean rate of Morta- lity; — for 100,000 annually attaining the age of 12, there are living (annually surviving) 2,429,331, and dying annually 30,393, being at the rate of 1-2511 per cent. In a stationary population of one million at all ages, there are living 417,892 between the ages of 20 and 50, and 5228 dying between those ages; and out of 100,000 deaths at all ages, 20,751 happen between 20 and 50 years of age. \* The accompanying Tables, since being in type, have been read over by the Author four times; ouce before, and three times after going to press; two readings with the manuscript, and two readings with the original calculations. In the first reading, one error of the press was found in every five pages, or one error in ten thousand figures ; an extremely small amount, and an index of printing talent of a high order. The first alone of the two under-mentioned erroi-s was not marked for correction before going to press. ERRATA. Tad. a. 5. Column 7, line 24, should be 3-1447'. Tab. C. 6. _ 10 _ IQ, _ 38-f 118. TABLES. MEAN MORTALITY. Tab. A. 1. Tab. a. 2. Shewing, at the end of any number of years from birth, — the Living out of a given number born, — also the Dying in the year succeeding. Shewing, at every age of life, in logarithms, — the probability of living one year, (x,fl), — and the Living out of a given number born (a. a). 1 < Living. Dying. 4 Living. Dying. 146472-1 16647-2 50 64027-2 1255-0 1 129824-9 10169-2 51 62772-2 1266-8 2 119655-7 6420-0 52 61505-4 1278-0 3 113235-7 4144-1 53 60227-4 1288-5 4 109091-6 2715-5 54 58939-0 1298-2 5 106376-1 1797-5 55 57640-8 1338-3 6 104578-6 1198-0 56 56302-5 1410-1 7 103380-6 802-2 57 54892-4 1482-8 8 102578-4 650-8 58 53409-6 1556-0 9 101927-6 646-6 59 51853-6 1629-2 10 101281-0 642-5 60 50224-4 1701-6 11 100638-5 638-5 61 48522-8 1772-6 12 100000-0 643-8 62 46750-2 1841-2 13 99356-2 658-8 63 44909-0 1906-6 14 98697-4 673-8 64 43002-4 1967-7 15 98023-6 689-3 65 41034-7 2023-6 16 97334-3 704-8 66 39011-1 2073-0 17 96629-5 720-5 67 36938-1 2114-7 18 95909-0 736-5 68 34823-5 2147-5 19 95172-6 752-6 69 32676-0 2170-2 20 94420-0 768-9 70 30505-8 2181-6 21 93651-1 785-3 71 28324-2 2180-6 22 92865-8 801-9 72 26143-5 2166-3 23 92063-8 818-7 73 23977-2 2137-9 24 91245-1 835-6 74 21839-3 2094-8 25 90409-6 852-5 75 19744-6 2036-7 26 89557-0 869-7 76 17707-8 1963-8 27 88687-4 886-8 77 15744-0 1876-5 28 87800-5 904-1 78 13867-5 177.5-8 29 86896-4 921-4 79 12091-7 1662-9 30 85975-0 9388 80 10428-8 1539-6 31 85036-2 956-1 81 8889-2 1408-2 32 84080-1 973-5 82 7481-0 1271-0 33 83106-6 990-8 83 6210-0 1131-0 34 82115-8 1008-1 84 5079-0 991-1 35 81107-6 1025-3 85 4087-9 854-1 36 80082-3 1042-5 86 3233-8 723-0 37 79039-8 1059-5 87 2510-8 600-3 38 77980-4 1076-3 88 1910-5 488-1 39 76904-1 1093-0 89 1422-5 388-0 40 75811-1 1109-4 90 "1034-5 301-0 41 74701-6 1125-6 91 733-5 227-5 42 73576-0 1141-6 92 506-0 167-1 43 72434-4 1157-2 93 338-9 119-1 44 71277-2 1172-5 94 219-8 8-2-1 45 70104-7 1187-4 95 137-8 54-6 46 68917-2 1201-9 96 83-2 34-9 47 67715-3 1216-0 97 48-2 21-4 48 66499-3 1229-5 98 26-8 12-6 49 65269-8 1242-5 99 14-2 7-0 1 2 3 4 5 .6 7 8 9 10 11 12 13 14 15 16 17 1 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 A,a [-9476032 -9645754 •9760500 •9838078 •9890528 •9925988 •9949961 •9966170 -9972360 -9972360 •9972360 •9972360 •9971949 •9971110 •9970246 •9969356 •9968439 -9967495 -9966523 -9965521 -9964490 -9963428 -9962334 -9961207 -9960047 -9958852 -9957621 -99563| -99551 -9953705 -9952318 -9950892 -9949423 -9947910 -9946352 -9944748 -9943095 •9941393 •9939640 -9937834 -9935975 -9934060 -9932087 -9930056 •9927964 •9925809 •9923590 •9921304 -9918950 -9916526 AO •1657549 •1133581 •0779335 •0539835 •0377913 •0268441 •0194429 •0144390 •0110560 -008-2920 -0055280 -0027640 -0000000 [-9971949 -9943059 •9913305 •9882661 •9851100 •9818595 •9785118 ■9750639 •9715129 •9678557 •9640891 •9602098 ■9562145 •9520997 •9478618 •9434971 •9390019 •9343722 •9296040 ■9246932 •9196355 •9144265 •9090617 •9035365 •8978460 •8919853 •8859493 •8797327 •8733302 •8667362 •8599449 •8529505 •8457469 •8383278 •8306868 •8228172 •8147122 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 A,a 9914029 9911458 9908809 9906082 9903272 9897978 9889848 9881070 9871592 9861359 9850310 9838381 9825501 9811595 9796581 9780370 9762867 9743969 9723566 9701536 9677751 9652070 9624343 9594406 9562083 95-27184 9489504 9448822 9404897 9357472 9306268 9250983 9191292 9126844 9057260 8982131 8901015 8813434 8718874 8616778 8506546 8387529 8259028 8120285 7970487 7808750 7634125 7445582 7242015 7022225 A a r8063648 •7977677 •7889135 •7797944 •7704026 •7607298 •7505276 ■7395124 -7276194 -7147786 -7009145 -6859455 -6697836 -6523337 -6334932 -6131513 -5911883 -5674750 -5418719 -5142285 •4843821 •4521572 •4173642 •3797985 •3392391 •2954474 •2481658 •1971162 •1419984 •0824881 •0182353 ?-9488621 -8739604 -7930896 -7057740 -6115000 •5097131 -3998146 -2811580 -1530454 -0147232 r-8653778 -7041307 -5300335 -3420620 ■1391107 ;-9199857 -6833982 -4279564 •1521579 MEAN MORTALITY. Tab. a. 3. Shewing the present valiie of an Annuity of £l depending on a single life at any age. < 3 f cent 4^cent 5Fcent 6^cent 1 3 f cent 4^cent 5Vcent e^cent : 18-0508 14-9621 12-7061 11-0074 50 13-2921 12-0276 10-9518 10-0295 1 19-9764 16-5558 14-0522 12-1640 51 12-9646 11-7588 10-7293 9-8438 2 21-3244 17-6814 15-0088 12-9896 52 12-6285 11-4811 10-4978 9-6494 3 22-2094 18-4312 15-6527 13-5497 53 12-2834 11-1937 10-2566 9-4454 4 22-7447 18-8966 16-0597 13-9083 54 11-9285 10-8959 10-0049 9-2310 5 23-0250 19-1541 16-2931 14-1191 55 11-5631 10-5870 9-7417 9-0052 6 23-1234 19-2627 16-4018 14-2235 56 11-1931 10-2722 9-4720 8-7725 7 23-0931 19-2654 16-4215 14-2516 57 10-8250 9-9576 9-2010 8-5377 8 22-9719 19-1927 16-3774 14-2248 58 10-4593 9-6433 8-9293 8-3012 9 22-8122 19-0878 16-3060 14-1746 59 10-0964 9-3300 8-6571 8-0633 10 22-6465 18-9781 16-2307 14-1210 60 9-7366 9-0179 8-3848 7-8244 11 22-4749 18-8632 16-1510 14-0638 61 9-3804 8-7075 8-1128 7-5847 12 22-2969 18-7430 16-0668 14-0028 62 9-0281 8-3992 7-8414 7-3446 13 22-1146 18-6190 1^-9795 13-9392 63 8-6802 8-0933 7-5711 7-1044 14 21-9301 18-4930 15-8904 13-8742 64 8-3370 7-7902 7-3021 6-8646 15 21-7433 18-3650 15-7997 13-8077 65 7-9989 7-4903 7-0348 6-6254 16 21-5541 18-2348 15-7071 13-7398 66 7-6662 7-1940 6-7697 6-3872 17 21-3627 18-1025 15-6128 13-6704 67 7-3393 6-9016 6-5071 6-1504 18 21-1689 17-9680 15-5166 13-5995 68 7-0186 6-6135 6-2474 5-9153 19 20-9727 17-8314 15-4185 13-5271 69 6-7042 6-3301 5-9909 5-6823 20 20-7740 17-6924 15-3184 13-4530 70 6-3966 6-0517 5-7379 5-4517 21 20-5729 17-5512 15-2164 13-3772 71 6-0960 5-7785 5-4889 5-2239 22 20-3693 17-4076 15-11-24 13-2998 72 5-8026 5-5109 5-2441 4-9993 23 20-1631 17-2616 15-0062 13-2206 73 5-5166 5-2492 6-0038 4-7780 24 19-9544 17-1131 14-8979 13-1396 74 5-2383 4-9935 4-7683 4-5605 25 19-7429 16-9622 14-7873 13-0567 75 4-9679 4-7442 4-5378 4-3470 26 19-5288 16-8086 14-6745 12-9718 76 4-7055 4-5015 4-3128 4-1378 27 19-3119 16-6523 14-5593 12-8850 77 4-4512 4-2655 4-0932 3-9331 28 19-0922 16-4933 14-4417 12-7960 78 4-2051 4-0364 3-8795 3-7333 29 18-8695 16-3315 14-3216 12-7049 79 3-9674 3-8144 3-6717 3-5384 30 18-6439 16-1668 14-1988 12-6115 80 3-7380 3-5995 3-4700 3-3488 31 18-4152 15-9991 14-0733 12-5158 81 3-5170 3-3918 3-2746 3-1645 32 18-1834 15-8283 13-9450 12-4176 82 3-3044 3-1915 3-0856 2-9858 33 17-9483 15-6542 13-8138 12-3168 83 3-1001 2-9985 2-9029 2-8127 34 17-7098 15-4768 13-6795 12-2134 84 2-9042 2-8129 2-7268 2-6454 35 17-4678 15-2960 13-5420 12-1071 85 2-7165 2-6347 2-5573 2-4840 36 17-2222 15-1115 13-4012 11-9979 86 2-5370 2-4638 2-3943 2-3285 37 16-9728 14-9232 13-2568 11-8855 87 2-3656 2-3001 2-2380 2-1789 38 16-7195 14-7310 13-1088 11-7698 88 2-2021 2-1437 2-0882 2-0353 39 16-4621 14-5346 12-9569 11-6506 89 2-0464 1-9944 1-9449 1-8976 40 16-2004 14-3340 12-8009 11-5276 90 1-8983 1-8521 1-8080 1-7659 41 15-9343 14-1287 12-6405 11-4008 91 1-7577 1-7167 1-6776 1-6401 42 15-6634 13-9187 12-4756 11-2697 92 1-6244 1-5881 1-5534 1-5201 43 15-3875 13-7036 12-3058 11-1342 93 1-4982 1-4661 1-4354 1-4059 44 15-1065 13-4831 12-1309 10-9938 94 1-3788 1-3506 1-3235 1-2974 45 14-8199 13-2569 11-9506 10-8484 95 1-2662 1-2414 1-2174 1-1944 46 14-5275 13-0248 11-7642 10-6974 96 1-1601 1-1383 1-1172 1-0969 47 14-2289 12-7862 11-5717 10-5405 97 1-0602 1-0411 1-0226 1-0048 48 13-9238 12-5408 11-3724 10-3773 98 -9664 •9497 -9335 •9178 4S 13-6117 12-2881 11-1660 10-2071 9S •8785 •8639 -8497 •8360 MEAN MORTALITY. Tab. a. 4. Shewing the values of Annuity of £l depending on the co-existence or joint continuance of two lives oi equal ages. Ages. Secant 4 ^ cent 5^ cent 6 Expect". 39-4556 15 44-5490 30 33-8378 45 23-7501 60 13-9704! 75 6-6232 90 2-4662 1 44-0867 16 43-8117 31 33-1488 46 23-0906 61 13-3775 76 6-2522 91 2-2846 2 47-2481 17 43-0779 32 32-4627 47 22-4317 62 12-7989 77 5-8956 92 2-1130 3 49-2190 18 42-3474 33 31-7792 48 21-7730 63 12-2347 78 5-5533 93 1-9511 4 50-2906 19 41-6203 34 31-0984 49 21-1142 64 11-6850 79 5-2251 94 1-7984, 5 50-7121 20 40-8966 35 30-4202 50 20-4552 65 11-1502 80 4-9107 95 1-6547 6 50-6769 21 40-1762 36 29-7445 51 19-7954 66 10-6301 81 4-6099 96 1-5196 7 50-3267 22 39-4591: 37 29-0710 52 19-1346 67 10-1250 82 4-3224 97 1-3927 8 49-7620 23 38-7454- 38 28-3998 53 18-4724 68 9-6348 83 4-0480 98 1-2737 9 49-0527 24 38-0348 39 27-7306 54 17-8083 69 9-1597 84 3-7863 99 1-1622 10 48-2866 25 37-3275 40 27-0634 55 17-1419 70 8-6996 85 3-5371 11 47-5323 26 36-6234 41 26-3979 56 16-4808 71 8-2545 86 3-3000 12 46-7813 27 35-9224 42 25-7341 57 15-8328 72 7-8243 87 3-0747 13 46-0338 28 35-2246 43 25-0716 58 15-1983 73 7-4092 88 2-8609 14 45-2«97 29 34-5297 44 24-4104 59 14-5774 74 7-0088 89 2-6582 Tab. B. 4. Shewing the present value of Annuity of £l, depending on a single life. 3#'cent 4^ cent 5 Vcent 3 f cent 4 ^ cent 5 V cent accent 4^ cent 5^ cent 8833 0487 5993 6462 3073 6851 8598 8907 8202 6781 '5048 ■3331 ■1590 ■9825 ■8036 6222 ■4383 ■2518 0627 8711 ■6767 ■4797 ■2799 ■0772 ■8718 ■6634 ■4520 ■2375 0200 ■7992 ■5752 3477 1168 8823 14-7461 16-5247 17-8079 18-6847 19-2500 19-5859 19-7569 19-8106 19-7812 19-6926 19-5780 19-4648 19-3494 19-2320 19-1124 18-9907 18-8668 18-7407 18-6123 18-4815 18-3483 18-2127 18-0746 17-9340 17-7907 17-6447 17-4959 17-3443 17-1898 17-0322 16-8716 16-7077 16-5406 16-3699 12-4756 13-9690 15-0519 15-7983 16-2864 16-5841 16-7445 16-8072 •16-8002 16-7433 16-6643 16-5865 16-5071 16-4260 16-3432 16-2586 16-1722 16-0839 15-9938 15-9017 15-8076 15-7115 15-6132 15-5128 15-4101 15-3052 15-1978 15-0880 14-9756 14-8606 14-7429 14-6223 14-4988 14-3722 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 6442 4022 1563 9063 6521 3934 1302 8622 5893 3110 0274 7380 4425 1407 8322 5166 1936 8625 5230 1746 8166 ■4484 0754 ■7033 3326 ■9638 5972 2331 8721 5145 1607 8111 4661 1260 16-1957 16-0179 15-8361 15-6504 15-4605 15-2662 15-0674 14-8638 14-6551 14-4413 14-2218 13-9966 13-7651 13-5272 13-2823 13-0301 12-7701 12-5018 12-2247 11-9381 11-6414 11-3339 11-0202 10-7059 10-3911 10-0763 9-7619 9-4482 9-1356 8-8246 8-5154 8-2085 7-9043 7-6032 2424 1093 9726 8323 6882 5401 3877 2308 0693 9027 7309 5535 3702 1805 9841 7806 5693 3498 1215 8837 6357 3767 1110 8433 5740 3035 0320 7600 ■4877 2155 9439 6731 ■4035 ■1356 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 7-7912 7-4621 7-1390 6-8222 6-5120 6-2087 5-9125 5-6238 5-3426 5-0692 4-8037 4-5463 4-2971 4-0562 3-8237 3-5995 3-3837 3-1763 2-9772 2-7865 2-6039 2-4294 2-2629 2-1043 1-9533 1-8099 1-6739 1-5450 1-4231 1-3080 1-1995 1-0973 7-3055 7-0116 6-7218 6-4366 6-1563 5-8811 5-6113 5-3473 5-0894 4-8377 4-5924 4-3539 4-1222 3-8974 3-6798 3-4694 3-2663 3-0706 8822 7012 5275 3611 2020 2-0500 1-9051 1-7671 1-6359 1-5115 1-3935 1-2819 1-1765 1-0771 6-8696 6-6060 6-3452 6-0874 5-8331 5-5825 5-3360 0940 4-8566. 4-6243 4-16972 4-1755 3-9596 3-7495 3-5455 3-3477 3-1562 2-9711 2-7926 2-6206 2-4551 2-2963 2-1440 1-9982 1-8590 1-7261 1-5996 1-4793 1-3651 1-2568 1-1544 1-0577 VILLAGE MORTALITY. 23 Tabs. B. 5, 6, and 7. Shewing the values of Annuity depending on the co-existence or joint continuance of two lives, whose common difference of age is 0, 5, or 10 years. B. 5. B. 6. B. 7. Equal ages. Ages. cent 1 2—2 3—3 4—4 5—5 6—6 7—7 8—8 9—9 10-10 11-11 12-12 13-13 14-14 15-15 16-16 17-17 18-18 19-19 20-20 21-21 22-22 23-23 24-24 25-25 26-26 27-27 28-28 29-29 30-30 31-31 32-32 33-33 34-34 35-35 36-36 37-37 38-38 39-39 40-40 41-41 42-42 43-43 44-44 45-45 46-46 47-47 48-48 49-49 9-4836 11-8791 13-7966 15-2097 16-1777 16-7893 17-1316 17-2767 17-2799 17-1817 17-0398 16-9022 16-7629 16-6221 16-4798 16-3358 16-1902 16-0430 15-8941 15-7436 15-5914 15-4376 15-2820 15-1247 14-9656 14-8047 14-6419 14-4773 14-3107 14-1421 13-9714 13-7986 13-6236 13-4462 13-2664 13-0841 12-8991 12-7112 12-5204 12-3263 12-1289 11-9278 11-7228 11-5137 11-3000 11-0814 10-8575 10-6278 10-3918 10-1489 Ages. 'cent 50-50 51-51 52-52 53-53 54-54 55-55 56-56 57-57 58-58 59-59 60-60 61-61 62-62 63-63 64-64 65-65 66-66 67-67 68-68 69-69 70-70 71-71 72-72 73-73 74-74 75-75 76-76 77-77 78-78 79-79 80-80 81-81 82-82 83-83 84-84 85-85 86-86 87-87 88-88 89-89 90-90 91-91 92-92 93-93 94-94 95-95 96-96 97-97 98-98 99-99 8984 9-6397 9-3718 9-0938 8-8046 8-5031 8-1963 8922 7-5912 7-2937 6-9999 6-7104 6-4253 6-1452 5-8702 5-6007 6-3369 5-0792 4-8277 4-5828 4-3445 4-1130 3-8886 3-6713 3-4612 3-2584 3-0629 2-8748 2-6941 2-5207 2-3546' 2-1958 2-0441 1-8994 1-7617 1-6308 1-5066 1-3889 1-2776 1-1724 1-0733 -9799 -8922 -8100 •7330 -6611 -5941 •5318 -4740 -4205 Difference of age Five years. Ages. 0—5 1—6 2—7 3—8 4-9 5-10 6-11 7-12 8-13 9-14 10-15 11-16 12-17 13-18 14-19 15-20 16-21 17-22 18-23 19-24 20-25 21-26 22-27 23-28 24-29 25-30 26-31 27-32 28-33 29-34 30-35 31-36 32-37 33-38 34-39 35-40 36-41 37-42 38-43 39-44 40-45 41-46 42-47 43-48 44-49 45-50 46-51 47-52 12-5945 14-2525 15-4297 16-2034 16-6634 16-9X348 17-0066 17-0075 16-9371 16-8159 16-6726 16-5305 16-3868 16-2414 16-0944 15-9457 15-7954 15-6434 15-4897 15-3342 15-1770 15-0180 14-8571 14-6944 14-5297 14-3630 14-1944 14-0236 13-8506 13-6753 13-4977 13-3176 13-1350 12-9496 12-7613 12-5700 12-3755 12-1775 11-9758 11-7701 11-5603 11-3458 11-1264 10-9016 10-6709 10-4339 10-1899 9-9383 Ages. 4#'oent 48-53 49-54 50-55 51^6 52-57 53-58 54-59 55-60 56-61 57-62 58-63 59-64 60-65 61-66 62-67 63-68 64-69 65-70 66-71 67-72 68-73 69-74 70-75 71-76 72-77 73-78 74-79 75-80 76-81 77-82 78-83 79-84 80-85 81 82-87 83-88 84-89 85-90 86-91 87-92 88-93 89-94 90-95 91-96 92-97 93-98 94-99 95-100 9-6783 9-4091 9-1297 8-8437 8-5549 8-2631 9682 7-6697 7-3712 0765 6-7858 6-4995 6-2180 5-9417 5-6707 5-4054 5-1461 4-8930 4-6463 4-4062 4-1730 3-9467 3-7275 3-5155 3-3108 1134 2-9234 2-7407 2-5654 2-3974 2-2366 2-0831 1-9366 1-7971 1-6645 1-5385 1-4191 1-3061 1-1994 1-0987 1-0038 -9147 -8310 •7527 -6794 -6112 -5476 -4887 Difference of age Ten years. Ages. 0-10 1-11 2-12 3-13 4-14 5-15 6-16 7-17 8-18 9-19 10-20 11-21 12-22 13-23 14-24 15-25 16-26 17-27 18-28 19-29 20-30 21-31 22-32 23-33 24-34 25-35 26-36 27-37 28-38 29-39 30-40 31-41 32-42 33-43 34-44 35-45 36-46 37-47 38-48 39-49 40-50 41-51 42-52 43-53 44-54 4 #"0601 12-6734 14-1381 15-1758 15-8658 16-2905 16-5207 16-6117 16-6040 16-5265 16-3993 16-2504 16-1025 15-9529 15-8016 15-6485 15-4935 15-3368 15-1782 15-0176 14-8552 14-6907 14-5242 14-3555 14-1847 14-0116 13-8361 13-6582 13-"4778 13-2946 13-1086 12-9197 12-7276 12-5321 12-3331 12-1303 11-9235 11-7123 11-4964 11-2754 11-0490 10-8166 10-5777 10-3318 10-0782 9-8161 45-55 46-56 47-^7 48-58 49-59 50-60 51-61 52-62 53-63 54-64 55-65 56-66 57-67 58-68 59-69 60-70 61-71 62-72 63-73 64-74 65-75 66-76 67-77 68-78 69-79 70-80 71-81 72-82 73-83 74-84 75-85 76-86 77-87 78-88 79-89 80-90 81-91 82-92 83-93 84-94 85-95 86-96 87-97 88-98 89-99 'cent 9-5447 9-2679 8-9899 8-7109 8-4308 8-1498 7-8679 7-5849 7-^009 7-0156 6-7288 6-4435 6-1630 5-8877 5-6178 5-3537 5-0956 4-8437 4-5983 4-3596 4-1277 3-9028 3-6850 3-4744 3-2712 3-0752 2-8867 2-7055 2-5316 2-3650 2-2057 2-0536 1-9085 1-7704 1-6390 1-5144 1-3963 1-2845 1-1790 1-0794 -9857 -8977 -8151 -7378 -6655 24 VILLAGE MORTALITY. Tabs. D. 8, 9, 10. Shewing the value of Annuity depending on the co-existence or joint continuance of two lives, whose common difference of age is IS, iOy^ot 25 years. B. 8. B. 9. Difference of age Fifteen years. Ages. 4#'cent Ages. 4#'cent 0-15 12-3809 43-58 9-0039 1-16 13-8006 44-59 8-7274 2-17 14-8028 45-60 8-4509 3-18 15-4653 46-61 8-1747 4-19 15-8689 47-62 7-8990 5-20 16-0828 48-63 7-6239 6-21 16-1608 49-64 7-3496 7-22 16-1426 50-65 7-0762 8-23 16-0564 51-66 6-8037 9-24 15-9217 52-67 6-5.321 10-25 15-7655 53-68 6-2614 11-26 15-6102 54-69 5-9915 12-27 15-4529 55-70 5-7220 13-28 15-2936 56-71 5-4556 14-29 15-1324 57-72 5-1951 15-30 14-9690 58-73 4-9408 16-31 14-8035 59-74 4-6929 17-32 14-6358 60-75 4-4515 18-33 14-4658 61-76 4-2170 19-34 14-2935 62-77 3-9894 20-35 14-1188 63-78 3-7688 21-36 13-9415 64-79 3-5554 22-37 13-7615 65-80 3-3493 23-38 13-5788 66-81 3-1505 24-39 13-3932 67-82 2-9591 25-40 13-2046 68-83 2-7750 26-41 13-0127 69-84 2-5983 27-42 12-8175 70-85 2-4289 28-43 1-2-6186 71-86 2-2668 29-44 12-4159 72-87 2-1119 30-45 12-2091 73-88 1-9641 31-46 11-9979 74-89 1-82.32 32-47 11-7819 75-90 1-6893 33-48 11-5610 76-91 1-5621 34-49 11-3345 77-92 1-4414 35-50 11-1022 78-93 1-3272 36-51 10-8634 79-94 1-2193 37-52 10-6177 80-95 1-1174 38-53 10-3644 81-96 1-0215 39-54 10-1029 82-97 -9313 40-55 9-8322 83-98 -8466 41-56 9-5566 84-99 •7672 42-57 9-2804 85-100 •6930 Difference of age Twenty years. Ages. 4#'cent Ages. 4 f cent 0-20 12-0498 40-60 8-6546 1-21 13-4182 41-61 8-3776 2-22 14-3797 42-62 8-1015 3-23 15-0105 43-63 7-8267 4-24 15-3895 44-64 7-5535 5-25 15-5842 45-65 7-2820 6-26 15-6468 46-66 7-0125 7-27 15-6159 47-67 6-7453 8-28 15-5188 48-68 6-4804 9-29 15-3744 49-69 6-2182 10-30 15-2090 50-70 5-9586 11-31 15-0439 51-71 5-7019 12-32 14-8766 52-72 5-4480 13-33 14-7068 53-73 5-1969 14-34 14-5346 54-74 4-9485 15-35 14-3599 55-75 4-7024 16-36 14-1825 56-76 4-4608 17-37 14-0023 57-77 4-2260 18-38 13-8192 58-78 3-9981 19-39 13-6331 59-79 3-7773 20^0 13-4438 60-80 3-5636 21-41 13-2511 61-81 3-3572 22-12 13-0549 62-82 3-1581 23-43 12-8550 63-83 2-9664 24-44 12-6511 64-84 2-7821 25-45 12-4429 65-85 2-6051 26-46 12-2302 66-86 2-4354 27-47 12-0126 67-87 2-2730 28-i8 11-7899 68-88 2-1178 29-49 11-5615 69-89 1-9697 30-50 11-3272 70-90 1-8286 31-51 11-0863 71-91 1-6944 32-52 10-8383 72-92 1-5669 33-53 10-5827 73-93 1-4460 34-54 10-3187 74-94 1-3316 35-55 10-0456 75-95 1-2234 36-56 9-7675 76-96 1-1213 37-57 9-4891 77-97 1-0251 38-58 9-2106 78-98 -9347 39-59 8-9324 79-99 •8497 B. 10. 1 1 1 Difference of age Tweniy-five years. Ages. 4^ cent Ages. 4#'cent 0-25 11-6757 38-63 7-9698 1-26 12-9857 39-64 7-6938 2-27 13-9006 40-65 7-4199 3-28 14-4949 41-66 7-1483 4-29 14-8453 42-67 6-8794 5-30 15-0171 43-68 6-6134 6-31 15-0612 44-69 6-3506 7-32 15-0147 45-70 6-0913 8-33 14-9033 46-71 5-8356 9-34 14-7466 47-72 5-5839 10-35 14-5690 48-73 5-3363 11-36 14-3912 49-74 5-0929 12-37 14-2104 50-75 4-8539 13-38 14-0267 51-76 4-6194 14-39 13-8397 52-77 4-3894 15-40 13-6494 53-78 4-1638 16-41 13-4556 54-79 3-9425 17-42 13-2581 55-80 3-7251 18-43 13-0567 56-81 3-5131 19^4 12-8511 57-82 3-3085 20-45 12-6411 58-83 3-1112 21-46 12-4264 59-84 2-9213 22-47 12-2067 60-85 2-7387 23-48 11-9816 61-86 2-5634 24-49 11-7508 62-87 2-3955 25-^0 11-5137 63-88 2-2349 26-51 11-2699 64-89 2-0814 27-52 11-0188 65-90 1-9350 28-53 10-7600 66-91 1-7956 29-54 10-4926 67-92 1-6630 30-55 10-2159 68-93 1-5371 31-56 9-9341 69-94 1-4] 78 32-57 9-6521 70-95 1-3049 33-58 9-3700 71-96 1-1982 34-59 9-0883 72-97 1-0976 35-60 8-8071 73-98 1-0028 36-61 8-5267 74-99 -9137 37-62 8-2475 75-100 •8301 VILLAGE MORTALITY. 25 Tabs. B. 11, 12, 13, and 14. Shewing the Talues of Annuity depending on the co-existence or joint continuance of two lives, whose common difference of age is 30, 35, 40, or 45 years. B. 11. B. 12. Difference of age ThWty years. Ages. 4 # cent Ages. 4 ^ cent Ages. 4^ cent 0-30 11-2519 24-54 10-6400 48-78 4-2470 1-31 12-4950 25-55 10-3596 49-79 4-0288 2-32 13-3561 26-56 10-0741 50-80 3-8162 3-33 13-9077 27-57 9-7882 51-81 3-6094 4-34 14-2242 28-58 9-5023 52-82 3-4082 5-35 14-3687 29-59 9-2167 63-83 3-2126 6-36 14-3900 30-60 8-9316 54-84 3-0223 7-37 14-3239 31-61 8-6474 55-85 2-8370 8-38 14-1957 32-62 8-3643 56-86 2-6578 9-39 14-0227 33-63 8-0828 57-87 2-4859 10-40 13-8290 34-64 7-8032 58-88 2-3213 11-41 13-6340 35-65 7-5256 59-89 2-1640 12-42 13-4352 36-66 7-2505 60-90 2-0137 13-43 13-2323 37-67 6-9782 61-91 1-8705 14-44 13-0250 38-68 6-7090 62-92 1-7342 15-45 12-8132 39-69 6-4432 63-93 1-6047 16-46 12-5965 40-70 6-1810 64-94 1-4819 17-47 12-3746 41-71 5-9228 65-95 1-3655 18-48 12-1471 42-72 5-6688 66-96 1-2554 19-49 11-9137 43-73 5-4193 67-97 1-1515 20-50 11-6739 44-74 5-1746 68-98 1-0536 21-51 11-4272 45-75 4-9348 69-99 -9614 22-52 11-1730 46-76 4-7001 70-100 -8748 23-53 10-9109 47-77 4-4708 Difference of age Thirty-five years. Ages. 4 f cent Ages, 4^ cent Ages. 4 f cent! 0-35 10-7709 22-57 9-9060 44-79I4-O770I 1-36 11-9369 23-58 9-6165 45-80 3-8632 2-37 12-7354 24-59 9-3272 46-81 3-6556 3-38 13-2368 25-60 9-0385 47-82 3-4542 4-39 13-5128 26-61 8-7506 48-83;3-2593| 5-40 13-6240 27-62 8-4639 49-84 3-0707 6-41 13-6169 28-63 8-1787 50-85 2-8886 7-42 13-5258 29-64 7-8954 51-86 2-7128 8^3 13-3747 30-65 7-6142 52-87 2-5434 9-44 13-1799 31-66 7-3356 53-88 2-3800 10-45 12-9642 32-67 7-0598 54-89 2-2226 11-46 12-7457 33-68 6-7871 55-90 2-0706 12-47 12-5217 34-69 6-5178 56-91 1-9247 13-48 12-2921 35-70 6-2523 57-92 1-7858 14-49 12-0563 36-71 5-9909 58-93 1-6537 15-50 11-8140 37-72 5-7338 59-94 1-5283 16-51 11-5646 38-73 5-4814 60-95 1-4094 17-52 11-3076 39-74 5-2338 61-96 1-2970 18-53 11-0423 40-75 4-9913 62-97 1-1907 19-54 10-7682 41-76 4-7542 63-98 1-0905 20-55 10-4844 42-77 4-5227 64-99 •9961 21-56 10-1954 43-78 4-2969 65-100 -9074 B. 13. Difference of age Forty years. Ages. 4#'oent Ages. 4^ cent Ages. 4 #■ cent 0-40 10-2205 20-60 9-1319 40-80 3-8979 1-41 11-2965 21-61 8-8408 41-81 3-6882 2-42 12-0210 22-62 8-5508 42-82 3-4850 3-43 12-4623 23-63 8-2623 43-83 3-2884 4-44 12-6887 24-64 7-9757 44-84 3-0983 5-45 12-7582 25-65 7-6913 45-85 ,2-9149 6-46 12-7148 26-66 7-4093 46-86 2-7382 7-47 12-5907 27-67 7-1303 47-87 2-5682 8^8 12-4086 28-68 6-8544 48-88 2-4049 9-49 12-1837 29-69 6-5820 49-89 2-2482 10-50 11-9371 30-70 6-3135 50-90 2-0981 11-51 11-6853 31-71 6-0490 51-91 1-9544 12-52 11-4257 32-72 5-7890 52-92 1-8171 13-53 11-1577 33-73 5-5336 53-93 1-6859 14-54 10-8807 34-74 5-2833 54-94 1-5606 15-55 10-5939 35-75 5-0381 55-95 1-4407 16-56 10-3018 36-76 4-7983 56-96 1-3265 17-57 10-0092 37-77 4-5643 57-97 1-2186 18-58 9-7164 38-78 4-3361 58-98 1-1168 19-59 9-4239 39-79 4-1139 59-99 1-0209 B. 14. Difference of age Forty-five years. Ages. 4^ cent Ages. 4 f cent Ages. 4 #■ cent 0-45 9-5833 19-64 8-0460 38-83 3-3123 1-46 10-5523 20-65 7-7587 39-84 3-1206 2-47 11-1877 21-66 7-4739 40-85 2-9356 3-48 11-5550 22-67 7-1920 41-86 2-7574 4r-49 11-7192 23-68 6-9133 42-87 2-5861 5-50 11-7349 24-69 6-6382 43-88 2-4215 6-51 11-6433 25-70 6-3669 44-89 2-2636 7-52 11-4744 26-71 6-0997 45-90 2-1125 8-53 11-2491 27-72 5-8371 46-91 1-9680 9-54 10-9814 28-73 5-5792 47-92 1-8301 10-55 10-6901 29-74 5-3263 48-93 1-6986 11-56 10-3952 30-75 5-0787 49-94 1-5735 12-57 10-0997 31-76 4-8366 50-95 1-4546 13-58 9-8042 32-77 4-6002 51-96 1-3418 14-59 9-5088 33-78 4-3698 52-97 1-2349 15-60 9-2139 34-79 4-1455 53-98 1-1337 16-61 8-9198 35-80 3-9275 54-99 1-0379 17-62 8-6269 36-81 3-7158 55-100 -9471 18-63 8-3356 37-82 3-5108 26 VILLAGE MORTALITY. Tabs. B. 15, 16, 17, 18, and 19. Shewing the values of Annuity depending on the co-existence or joint continuance of two lives, whose common difference of age is 50, 55, 60, 65, or 70 years. B. 15. B. 16. Difference of age Fifty years. Ages. 4^ cent Ages. 4#'cent Ages. 4$* cent 0-^0 8-8332 17-67 7-2460 34-84 3-1399 1-51 9-6723 18-68 6-9649 35-85 2-9535 2-52 10-1973 19-6916-6873 36-86 2-7740 3-53 10-4710 20-70 6-4136 37-87 2-6014 4-54 10-6545 21-71 6-1441 38-88 2-4356 5-55 10-4984 22-72 5-8791 39-89 2-2766 6-56 10-3460 23-73 5-6189 40-90 2-1244 7-57 10-1306 24-74 5-3639 41-91 1-9789 8-58 9-8723 25-75 5-1141 42-92 1-8401 9-59 9-5848 26-76 4-8699 43-93 1-7078 10-60 9-2857 27-77 4-6316 44-94 1-5819 11-61 8-9891 28-78 4-3992 45-95 1-4623 12-62 8-6936 29-79 4-1730 46-96 1-3489 13-63 8-3997 30-80 3-9532 47-97 1-2415 14-64 8-1076 31-81 3-7399 48-98 1-1399 15-65 7-8178 32-82 3-5332 49-99 1-0441 16-66 7-5305 33-83 3-3332 SO-100 •9538 Difference of age Fifty-five years. Ages. 4$" cent Ages. 4^cen( Ages. Aiffeeax 0-55 7-9297 16-71 6-1828 32-87 2-6147 l-,56 8-6102 17-72 5-9158 33-88 2-4478 2-57 9-0092 18-73 5-6537 34-89 2-2879 3-58 9-1886 19-74 5-3966 35-90 2-1348 4-59 9-2068 20-76 5-1450 36-91 1-9885 5-60 9-1111 21-76 4-8990 37-92 1-8488 6-61 8-9372 22-77 4-6589 38-93 1-7157 7-62 8-7103 23-78 4-4249 39-94 1-5891 8-63 8-4482 24-79 4-1971 40-95 1-4689 9-64 8-1628 25-80 3-9757 41-96 1-3549 10-65 7-8694 26-81 3-7608 42-97 1-2469 11-66 7-6798 27-82 3-5527 43-98 1-1449 12-67 7-2932 28-83 3-3513 44-99 1-0485 13-68 7-0099 29-84 3-1568 43-100 -9578 14-69 6-7302 30-85 2-9691 15-70 6-4544 31-86 2-7884 B. 17. B. 18. B. 19. Difference of age Sixty years. Ages. . 0-60 1-61 2-62 3-63 4-64 6-65 6-66 7-67 8-( 9-69 10-70 11-71 12-72 13-73 14-74 15-75 16-76 17-77 18-78 19-79 4^ cent 6-9156 7-4582 7-7560 7-8654 7-8381 7-7156 7-5289 7-2996 7-0429 6-7687 6-4899 6-2166 5-9478 5-6839 5-4252 5-1720 4-9244 4-6827 4-4472 4-2180 Ages. 20-80 21-81 22-82 23-83 24-84 25-85 26-86 27-87 28-88 29-89 30-90 31-91 32-92 33-93 34-94 35-95 36-96 37-97 38-98 39-99 4^ cent -9952 -7791 ■5697 -3671 -1714 -9827 •8010 -6263 -4585 •2977 ■1438 •9967 ■8564 ■7226 5954 4746 3601 2516 1491 0524 Difference of age Sixty-fioe years. Ages. 4#'cent Ages. 4#'cent 0-65 5-8949 18-83 3^3808 1-66 6-3073 19-84 3-1842 2-67 6-5129 20-85 2-9945 3-68 6-5618 21-86 2-8119 4-69 6-4989 22-87 2-6363 5-70 6-3596 23-88 2-4678 6-71 6-1697 24-89 2-3062 7-72 5-9474 25-90 2-1516 8-73 5^705 1 26-91 2-0039 9-74 5^4510 27-92 1-8629 10-75 5^1954 28-93 1-7286 11-76 4^9465 29-94 1-6009 12-77 4^7035 30-95 1-4796 13-78 4^4666 31-96 1-3646 14-79 4^2362 32-97 1-2567 15-80 4-0122 23-98 1-1528 16-81 3-7949 34-99 1-0557 17-82 3^5844 35-100 •9643 Difference of age Seventy years. Ages. 4^cenf Ages. 4^ cent 0-70 4-9008 16-86 2-8214 1-71 5- 1958 17-87 26451 2-72 5-3219 18-88 2-4758 3-73 6-3225 19-89 2-3136 4-74 5-2363 20-90 2-1584 5-75 5-0894 21-91 2-0101 6-764-9059 22-92 1^8686 7-77 4-6993 23-93 1-7338 8-78 4-4796 24-94 r6056 9-79 4-2527 25-95 1-4839 10-80 4-0270 26-96 1-3685 11-81 3-8087 27-97 1-2593 12-82 3-5973 28-98 M560 13-83 3-3927 29-99 1-0586 14-84 3-1952 30-100 -9669 15-86 3-0047 VILLAGE MORTALITY. 27 Tabs. B. 20 and 21 . Shewing the values of Annuity depending on the co-existence or joint continuance of two lives, whose common difference of age is 75, or 80 years. B. 20. B. 21. Difference of age Seventy-five years. Ages. 4#'cent Ages. 4 f cent Ages. 4 #' cent 0-75 3-9652 9-84 3-2054 18-93 1-7383 1-76 4-1599 10-85 3-0136 19-94 1-6097 2-77 4-2220 11-86 2-8296 20-95 1-4876 3-78 4-1875 12-87 2-6526 21-96 1-3719 4-79 4-0873 13-88 2-4828 22-97 1-2623 5-80 3-9446 14-89 2-3200 23-98 1-1588 6-81 3-7755 15-90 2-1643 24-99 1-0611 7-82 3-5916 16-91 2-0155 25-100 •9691 8-83 3-4000 17-92 1-8735 Difference of age Eighty years. Ages. 4 f cent Ages. 4^ cent Ages. 4^ cent 0-80 3-1152 7-87 2-6469 14-94 1-6133 1-81 3-2293 8-88 2-4865 15-95 1-4909 2-82 3-2436 9-89 2-3260 16-96 1-3748 3-83 3-1874 10-90 2-1694 17-97 1-2650 4-84 3-0845 11-91 2-0202 18-98 1-1612 5-85 2-9526 12-92 1-8778 19-99 1-0633 6-86 2-8040 13-93 1-7422 Tab. B. 22. Shewing the values of a Temporary Assurance of £100, — in one single present payment, or in annual payments continued during the term of years insured. Age. Annual Premium. Single Premium. Age. Five Tea Fifteen Twenty Five Ten Fifteen Twenty yean. years. years. years. years. years. years. years. 20 •6911 •7394 -7877 ■8355 31572 6-0494 8-6826 11-0628 20 25 •8004 •8560 •9115 •9662 3-6484 6-9701 9-9726 12-6643 25 30 •9268 •9909 P0546 1-1169 4-2143 8-0237 11-4387 14-4708 30 35 1^0730 1-1468 1^2198 1-2908 4-8653 9-2270 13^0996 16-5001 35 40 1^2421 1-3270 1-4105 1-5278 5-6137 10-5982 14^9749 19-2233 40 45 1^4377 1-5352 1-6879 1-9060 6-4730 12-1567 17^6739'23-4674 46 50 1^6638 1^8767 2-1762 2-5055 7-4579|l4-6973'22-2863,29-7409 50 65 2^16]6 2-5751 3-0162 3-4479 9-6139,19-6920 29-6916 38-4353 56 60 3-1498 3-7249 4-3016 4-8089 13-7528 27-2621 39-330248-7192 60 65 4-6753 5-3544 6-0654 6-5964 19-4606 36-8263 50-3446 58-9504 1 1 1 65 Tab. B. 23. Contingent Assurance. Benefit £lOO. on the death of (A), provided that this person (A) dies before another person (B). Interest 4 per cent. A. B. single payment. Annual payment. A. B. Single payment. AnDual payment. A. B. Single payment. Annual payment. A. B. Single payment. Annual payment. 20 20 30 40 50 60 70 80 18-093 15-936 13-537 10^958 8^061 5^408 3-313 1-090 1-016' -937 -865 •796 •729 -663 40 20 30 40 50 60 70 80 30-910 28-386 24-752 19-954 14-341 9-499 5-845 2-140 2-039 1-885 1-689 1-485 1-323 1-193 50 20 30 40 50 60 70 80 40-295 38-102 34-597 29-042 21-372 13-855 8-191 3-179 3-091 2-928 2-665 2-336 1-991 1-701 60 20 30 40 60 60 70 80 52-971 51-198 48-526 43-437 34-616 24-002 14-708 6-228 5-165 5-026 4-747 4-327 3-778 3-223 30 20 30 40 60 60 70 80 23-715 21^210 18-077 14-486 10-603 7-147 4-407 1-511 1-417 1-299 1'176 1-068 •977 •890 45 15 25 36 46 65 65 75 36-140 34-198 31-226 26-766 20-658 14-040 8-803 2-616 2-544 2-416 2-216 1-959 1-695 1-483 55 15 25 36 45 55 65 75 47-087 45-394 42-959 38-785 31-725 22-029 13-739 4-061 3-996 3-889 3-678 3-338 2-860 2-409 70 20 30 40 50 60 70 80 66-077 64-724 62-882 59-381 51-562 39-722 26-785 8-913 8^850 8^757 8^534 8-115 7^432 6-573 28 VILLAGE MORTALITY. Tab. B. 24. Shewing the Annual Payments equivalent to £100. in the year of death,— when the Assurance is for one year, and when it extends over the whole of life. Rate of interest 4 per cent. Age. One year. For life. Age. One year. For life. Age. One year. For life. Age. One year. For life. 12-0092 2^5046 25 •7562 1-5173 50 1-5731 3-4159 75 8-3395 11-9085 1 8-2932 l^8601 26 •7787 1-5604 51 1^6198 3-5602 76 8^9721 12-5759 2 5'6884 1-4708 27 •8019 1^6051 52 1^6678 3-7155 77 9^6500 13-2840 3 3-8836 1^2339 28 •8258 1-6514 53 1-7173 3-8830 78 10^3761 14-0352 4 2-6432 b0921 29 •8504 1-6995 54 1-7682 4-0644 79 11-1531 14-8319 5 1-7950 P0115 30 •8757 1-7493 65 1-8640 4-2616 80 11-9842 15-6769 6 1-2173 •9715 31 •9018 1-8011 56 2-0110 4-4731 81 12-8723 16^5727 7 -8247 •9591 32 •9286 1-8549 57 2-1694 4-6966 82 13-8208 17^5221 8 •5583 -9659 33 •9563 1-9109 58 2-3402 4-9326 83 14-8327 18^5280 9 •4564 -9865 34 •9847 1-9692 59 2-5242 5-1821 84 15-9112 19-5931 10 •4867 1-0134 35 VOUO 2-0300 60 2-7225 5-4459 85 17-0597 20-7203 11 •5012 1-0403 36 1-0442 2-0934 61 2-9361 5-7249 86 18^2813 21-9125 12 •5161 1-0680 37 1-0753 2-1597 62 3-1662 6-0200 87 19-5790 23-1724 13 •5315 1-0965 38 1-1072 2-2290 63 3-4140 6-33-24 88 20-9558 24-5027 14 •5474 1-1259 39 1-1401 2-3016 64 3^6808 6-6631 89 22-4147 25-9060 15 •5637 1-1562 40 1-1741 2-3776 65 3-9680 7-0133 90 23-9580 27-3847 16 •5805 1-1874 41 1-2089 2-4575 66 4^2771 7-3843 91 25-5881 28-9410 17 •5978 1-2195 42 1-2448 2-5415 67 4-6096 7-7774 92 27^3067 30-5765 18 •6157 1-2527 43 1-2818 2-6300 68 4-9674 8-1941 93 29-1154 32-2929 19 •6340 1-2869 44 P3199 2-7234 69 5-3520 8-6358 94 31^0149 34-0910 20 •6529 1-3222 45 1-3591 2-8220 70 5-7655 9-1041 95 33-0054 35-9713 21 •6724 1-3587 46 1-^995 2-9265 71 6-2098 9-6008 96 35-0863 37-9335 22 •6924 1-3964 47 1^4410 3-0375 72 6-6870 10-1276 97 37-2561 39-9767 23 •7130 1-4354 48 1-4:838 3-1555 73 7-1995 10-6865 98 39-5124 42-0990 24 •7343 1-4756 49 1-5278 3-2814 74 7-7495 1 1-2794 99 41-8515 44-2975 Tab. B. 25. Values of Annuity on the joint continuance of three lives, whose differences of age are and 30 years. Ages. 4 ^ cent Ages. 4^ cent Ages. 4#'cenl Ages. 4#'cent 0-30-30 9-5190 18-48-48 9-7004 36-66-66 5-0200 54-84-84 1^6768 1-31-31 10-5216 19-49-49 9-4742 37-67-67 4-7809 55-85-85 1-5509 2-32-32 11-2031 20-50-50 9-2415 38-68-68 4-5476 56-86-86 1-4308 3-33-33 11-6266 21-51-51 9-0015 39-69-69 4-3200 57-87-87 1-3172 4-34-34 11-8550 22-52-52 8-7533 40-70-70 4-0985 58-88-88 1-2098 5-35-35 11-9414 23-53-53 8-4960 41-71-71 3-8832 59-89-89 M085 6-36-36 11-9265 24-54-54 8-2286 42-72-72 3-6742 60-90-90 1-0131 7-37-37 11-8400 25-55-55 7-9497 43-73-73 3-4716 61-91-91 •9234 8-38-38 11-7026 26-56-56 7-6660 44-74-74 3-2756 62-92-92 •8392 9-39-39 11-5287 27-57-57 7-3848 45-75-75 3-0861 63-93-93 •7603 10-40-40 11-3379 28-58-58 7-1064 46-76-76 2-9033 64-94-94 •6866 11-41-41 11-1462 29-59-59 6-8313 47-77-77 2-7272 65-95-95 •6178 12-42-42 10-9514 30-60-60 6-5596 48-78-78 2-5577 66-96-96 ■5538 13-43-43 10-7533 31-61-61 6-2918 49-79-79 2-3948 67-97-97 •4944 14-44-44 10-5516 32-62-62 6-0280 50-80-80 2^2385 68-98-98 •4394 15-45-45 10-3458 33-63-63 5-7687 51-81-81 2-0887 69-99-99 •3886 16-46-46 10-1357 34-64^64 5-5141 52-82-82 1-9453 17-47-47 9-9207 35-65-65 5-2644 53-83-83 1-8081 CITY MORTALITY. 29 TaBvC. 1. Tab. C. 2. Shewing, at the end of any number of yeais from birth, — the Living out of a given number bom, — also the Dying in the year succeeding. Shewing, in logarithms, at every age of life, — the Probability of living one year (\,a),~also the living out of a given number bom (xo). t* Liviuff. Dying. < Living. Dying. 1 A,a Aa 4 < Xfl Aa 0161136-45 22557-3 50 57273-8 L399-8 T-9345040 •2071936 50 1-9892535 r-7579557 1 138579-0 13433-1 51 55873-9 1405-9 1 •9557193 •1416976 51 -9889322 •7472092 2 125146-0 8336-1 52 54468-0 1411-0 2 •9700626 •0974169 52 •9886012 •7361414 3 116809-8 5319-0 53 53057-0 1415-0 f •9797598 ■0674795 53 •9882602 ■7247426 4111490-9 3458-2 54 51642-0 1417-9 [ -9863159 •0472393 54 •9879090 •7130028 5 108032-7 2277-0 55 50224-1 1453-3 •9907484 •0335552 55 •9872473 •7009118 6 105755-6 1512-2 56 48770-7 1522-0 •9937452 •0243036 56 •9862310 •6881591 7 104243-5 1010-1 57 47248-7 1590-0 •9957712 •0180488 57 -9851337 •6743901 8 103233-3 818-0 58 45658-7 1656-7 ( ^9965450 •0138200 58 •9839490 •6595238 9 102415-3 811-5 59 44002-0 1721-3 ) ^9965450 •0103650 59 •9826699 •6434728 10101603-8 805-1 60 4-2280-7 1783-0 ) -9965450 -0069100 60 •9812888 ■6261427 11 100798-7 798-7 61 40497-8 1840-7 •9965450 -0034550 61 -9797977 •6074315 12 100000-0 804-1 62 38657-1 1893-6 . -9964936 -0000000 62 -9781877 ■5872292 13 99195-9 821-4 63 36763-5 1940-5 ! ^9963887 1-9964936 63 -9764494 ■5654169 14 98374-4 838-9 64 34823-0 1980-3 1 ^9962807 -9928823 64 -9745726 ■5418663 15 97535-5 856-5 65 32842-7 2011-9 5-9961694 -9891630 65 -9725462 •5164389 16 96679-1 874-2 66 30830-8 2034-1 3 ^9960549 -9853324 66 -9703584 ■4889851 17 95804-8 892-1 67 28796-7 2045-8 7 ^9959369 -9813873 67 -9679962 •4593435 18 94912-7 910-1 68 26751-0 2046-0 3 ^9958 153 -9773242 68 -9654457 ■4273397 19 94002-5 928-2 69 24705-0 2033-7 3 ^9956902 -9731395 69 -9626920 •3927854 20 93074-3 946-4 70 22671-3 2008-2 2 3 -9955612 •9688297 70 -9597188 •3554774 21 92127-8 964-7 71 20663-1 1969-0 2 1 -9954285 •9643909 71 -9565088 ■3151962 22 91163-2 983-0 72 18694-1 1915-8 2 2 -9952917 •9598194 72 -9530428 ■2717050 23 90180-2 1001-3 73 16778-3 1848-7 2 3 -9951509 -9551111 73 -9493007 ■2247478 24 89178-9 1019-6 74 14929-6 1768-0 2 4 -9950059 •9502620 74 •9452604 ■1740485 25 88159-2 1037-9 75 13161-6 1674-6 2 5 -9948565 -9452679 75 -9408980 ■1193089 26 87121-3 1056-2 76 11487-0 1569-7 2 8 -9947026 -9401244 76 -9361881 ■0602069 27 86065-1 1074-4 77 9917-3 1454-9 2 7 -9945442 -9348270 77 -9311027 ^9963950 28 84990-7 1092-5 78 8462-5 1332-2 2 8 -9943810 -9293712 78 -9256122 ■9274977 29 83898-1 1110-5 79 7130-3 1203-9 2 9 -9942129 •9237522 79 -9196840 •8531099 30 82787-6 1128-4 80 5926-4 1072-7 3 -9940398 -9179651 80 -91328.35 •7727939 31 81659-2 1146-1 81 4853-7 941-3 3 1 -9938615 -9120049 81 -9063728 •6860774 32 80513-1 1163-6 82 3912-5 812-5 3 2 -9936779 -9058664 82 -8989115 ■5924502 33 79349-5 1180-8 83 3100-0 688-9 , 3 3 -9934888 -8995443 83 -8908555 ■4913617 34 78168-7 1197-7 84 2411-1 573-0 ' 3 4 -9932940 -8930331 84 -8821575 •3822172 35 76971-0 1214-4 85 1838-1 466-8 3 5 -9930934 ■8863271 85 -8727664 ■2643747 36 75756-6 1230-7 86 1371-3 371-9 3 6 -9928869 •8794205 86 -8626268 ■1371411 37 74525-9 1246-6 87 999-5 289-2 3 7 -9926741 ■8723074 87 -8516792 3^9997679 38 .73279-3 1262-1 88 710-3 219-1 3 8 -9924550 -8649815 88 -8398592 ■8614471 39 72017-2 1277-1 89 491-2 161-3 3 9 -9922293 -8574365 89 -8270972 •691 3063 40 70740-1 1291-7 90 329-9 115-3 4 -9919968 •8496658 90 -8133182 ■5184035 41 69448-5 1305-6 91 214-6 79-7 4 1 ^9917575 •8416626 91 -7984412 ■3317217 42 68"142-8 1319-1 92 135-0 53-2 4 2 •99151-09 •8334201 92 •7823784 [ ^1301629 43 66823-8 1331-8 92 81-8 34-2 4 3 -9912570 •8249310 93 -765035'/ 4-9125413 44 65492-C 1343-9 94 [ 47-6 21-1 4 4 -9909955 •8161880 94 -7463108 ■677577C 45 64148 1 1355-3 91 26-5 12-4 4 5 ^9907261 -8071835 95 -7260937 ■4238878 46 62792-8 1365-9 9t 14-1 7-0 4 6 ^9904487 •7979096 96 •704265C ) •149981£ 47 61426-9 1375-7 9^ 7-1 3-7 4 7 •990163C -7883583 97 •680697? Sr 8542471 48 60051-2 1384-7 98 3-4 1-9 4 8 •989868g -7785213 9S •6552519 -534944^ 49 58666-5 1392-7 9£ 1-5 •9 4 9 •989565£ •7683902 9£ •6277781 •190196J 30 CITY MORTALITY. Tab, C. 3. The Expectation of complete yeaw, at all ages of life; or the value of Annuity of £1, when there is no interest of money. < Expect". 1 Expect". < Expect". 1 Expect". 4 Expectn. 1 Expect". 1 Expect". 33-0085 15 37-9929 30 28-4525 45 19-6183 60 10-9988 75 4-8227 90 1-6150 1 37-3815 16 37-3295 31 27-8457 46 19-0417 61 10-4831 76 4-5257 91 1-4822 2 40-3940 17 36-6701 32 27-2420 47 18-4652 62 9-9823 77 4-2420 92 1-3576 3 42-2767 18 36-0148 33 26-6415 48 17-8882 63 9-4964 78 3-9713 93 1-2408 4 43-2936 19 35-3635 34 26-0440 49 17-3104 64 9-0256 79 3-7133 94 1-1314 5 43-6795 20 34-7162 36 25-4492 50 16-7313 65 8-5698 80 3-4676 95 1-0291 6 43-6200 21 34-0728 36 24-8572 51 16-1505 66 8-1290 81 3-2339 96 -9336 7 43-2527 22 33-4334 37 24-2676 52 15-5674 67 7-7032 82 3-0120 97 •8446 8 42-6759 23 32-7978 38 23-6805 53 14-9814 68 7-2923 83 2-8014 98 •7617 9 42-0168 24 32-1661 39 23-0955 54 14-3919 69 6-8963 84 2-6018 99 •6847 10 41-3524 25 31-5381 40 22-5124 55 13-7982 70 6-5149 85 2-4128 11 40-6827 26 30-9138 41 21-9311 56 13-2094 71 6-1480 86 2-2341 12 40-0076 37 30-2932 42 21-3513 57 12-6349 72 5-7956 87 2-0654 13 39-3320 28 29-6762 43 20-7728 58 120749 73 5-4574 88 1-9062 14 38-6604 29 29-0626 44 20-1952 59 11-5295 74 5-1331 89 1-7561 Tab. C. 4. Shewing the present value of Annuity of £1, depending on a single life. 1 3 ^ cent 4#'cent 5^ cent 4 3 ^ cent 4 ^ cent 5 W cent S^" cent 4 #■ cent S^cent 16-0590 13-4264 11-4802 34 16-5180 14-5447 12-9387 68 6-1227 5-8028 5^6111 1 18-2332 15-2364 13-0163 35 16-2783 14-3619 12-7971 69 5-8286 5-5347 5^2659 2 19-7960 16-5468 14-1341 36 16-0354 14-1758 12-6523 70 5-5420 5^2724 5^0251 3 20-8450 17-4367 14-9000 37 15-7892 13-9863 12-5043 71 5^2630 5-0162 4^7892 4 21-4946 17-9993 15-3913 38 15-5395 13-7932 12-3529 72 4^9919 4-7664 4-5583 5 21-8482 18-3185 15-6782 39 15-2862 13-5963 12-1978 73 4^7287 4^5230 4-3327 6 21-9882 18-4614 15-8166 40 15-0291 13-3954 12-0390 74 4-4737 4^2864 4-1127 7 21-9763 18-4784 15-8484 41 14-7678 13-1903 11-8760 75 4-2269 4-0567 3^8984 8 21-8571 18-4056 15-8036 42 14-5023 12-9808 11-7087 76 3-9884 3-8340 3^6901 9 21-6926 18-2947 15-7263 43 14-2322 12-7665 11-5368 77 3-7582 3-6185 3-4879 10 21-5219 18-1785 15-6445 44 13-9573 12-5471 11-3600 78 3-5365 3-4102 3-2919 11 21-3446 18-0566 15-5579 45 13-6772 12-3224 11-1779 79 3-3231 3-2092 3-1022 12 21-1605 17-9289 15-4663 46 13-3916 12-0919 10-9901 80 3-1181 3-0156 2^9190 13 20-9720 17-7972 15-3713 47 13-1000 11-8552 10-7962 81 2-9214 2-8293 2-7423 14 20-7815 17-6636 15-2746 48 12-8022 11-6119 10-5958 82 2-7330 2-6504 2-5722 15 20-5891 17-5281 15-1763 49 12-4974 11-3614 10-3881 83 2-5528 2-4788 2-4087 16 20-3946 17-3908 15-0763 50 12-1854 11-1032 10-1728 84 2-3806 2-3145 2-2517 17 20-1982 17-2514 14-9745 51 11-8654 10-8366 9-9490 85 2-2164 2-1574 2^1013 18 19-9996 17-1101 14-8710 52 11-5368 10-5609 9-7161 86 2-0600 2-0076 1^9575 19 19-7991 16-9668 14-7658 53 11-1989 10-2755 9-4732 87 1-9113 1-8646 1^8201 20 19-5964 16-8215 14-6587 54 10-8510 9-9793 9-2194 88 1-7700 1-7286 1-6890 21 19-3917 16-6741 14-5497 55 10-4920 9-6715 8-9537 89 1-6360 1-5994 1-5643 22 19-1848 16-5245 14-4389 56 10-1288 9-3581 8-6816 90 1-6092 1-4768 1-4458 23 18-9757 16-3728 14-3261 57 9-7687 9-0459 8-4093 91 1-3893 1-3607 1-3333 24 18-7645 16-2189 14-2113 58 9-4122 8-7353 8-1372 92 1-2761 1-2509 1-2267 25 18-5509 16-0628 14-0944 59 9-0596 8-4268 7-8658 93 1-1694 1-1473 1-1260 26 18-3351 15-9043 13-9755 60 8-7112 8-1206 7-5953 94 1-0689 1-0496 1-0309 27 18-1169 15-7434 13-8543 61 8-3676 7-8173 7-3262 95 •9746 •9577 -9413 28 17-8963 15-5802 13-7309 62 8-0290 7-5171 7-0588 96 -8861 •8713 -8570 29 17-6733 15-4144 13-6052 63 7-6958 7-2204 6-7934 97 -8033 •7904 -7779 30 17-4476 15-2460 13-4771 64 7-3684 6-9277 6-5306 98 -7259 •7147 •7038 31 17-2194 15'0750 13-3465 65 7-0471 6-6392 6-2706 99 •6537 ■6440 •6346 32 16-9884 14-9011 13-2133 66 6-7322 6-3554 6-0138 33 16-7547 14-7244 13-0774 67 6-4239 6-0765 6-7605 31 Tab. C. S. Comparative vifew of the preceding Tables of Mortality. Quinquennial stages. Common basis, 100000 aged 12 years. Sliewing, — the Survivors at the beginning, and the Dying, during each stage; — also the Sum of the Survivors at the beginning of each of the five years of tlie stage. Sum of Annual Survivors. Dying. Survivors incepting. q Between Ages. !^ Village. Mean. City. Village. Mean. City. Village. Mean. City. s 0—5 628169 618280 653162 45104 40096 53103 151403 146472 161136 6-10 517234 518841 523680 5264 5095 6429 106299 106376 108033 5 10-15 499936 499973 499973 2685 3257 4069 101035 101281 101604 10 15-20 485847 483069 478935 3022 3604 4461 98350 98024 97535 15 20-25 470017 464246 455724 3386 4010 4915 95328 94420 93074 20 25-30 452320 443351 430234 3774 4435 5371 91942 90410 88159 25 30-35 432645 420314 402478 4180 4867 5817 88168 85975 82788 30 35-40 410916 395114 372550 4596 5297 6231 83988 81108 76971 35 40-45 387101 367800 340647 5012 5706 6592 79392 75811 70740 40 45-50 361228 338506 307085 5414 6078 6874 74380 70105 64148 45 50-55 333406 307471 272315 5782 6386 7050 68966 64027 57274 50 55-60 302953 274099 235904 6851 7417 7943 63184 57641 50224 55 60-65 264953 233409 193022 8731 9189 9438 56333 50224 42281 60 65-70 217737 184483 143926 10421 10529 10172 47602 41035 32843 65 70-75 163389 130790 93736 11306 10761 9509 37181 30506 22671 70 75-80 107401 79156 50159 10674 9316 7236 25875 19745 13162 75 80-85 58246 38088 20204 8236 6341 4088 15201 10429 5926 80 85-90 23919 13165 5410 4749 3053 1508 6965 4088 1838 85 90-95 6585 2833 809 1803 897 304 2216 1035 330 90 95-100 1024 310 53 378 131 25 413 35 138 7 26 1 95 100 0-100 6125026 5813298 5480006 151368 146465 161135 Tab; C. 6. Comparison continued. Decennial stages. Common basis 100000 annually attaining the age of 12 years. Shewing the relations of Annual Deaths and Annual Survivors. » Sum of Annual Survivors. Annual Deaths. Deaths from 100 years of Life. Between Ages. Between Ag s. Village. Mean. City. Village. Mean. City. Village. Mean. City. e 0-10 1145403 1137121 1176842 50368 45191 59533 4-3974 3-9742 5-0587 0-10 10-20 985783 983042 978907 5708 6861 8530 •5790 •6979 •8713 10-20 20-30 922337 907597 885959 7160 8445 10287 •7763 •9305 1-1611 20-30 30-40 843561 815428 775028 8776 10164 12048 1-0403 1-2464 1-5545 30^0 40-50 748329 706307 647733 10426 11784 13466 1-3932 1-6684 2-0790 40-50 5,0-60 636359 581570 508219 12633 13803 14993 1-9853 2^3734 2-9501 50-60 60-70 482689 417892 336948 19152 19719 19609 3-9678 4-7186 5-8197 60-70 70-80 270790 209946 143895 21980 20077 16745 8-1170 9-5629 11-6369 70-80 80-90 82165 51253 25614 12984 9394 5596 15-8030 18-3292 21-8492 80-90 90-100 7610 3143 862 2181 1027 329 28-6628 32-6887 32-8118 90-100 0-100 6125026 5813299 5480007 151368 146465 161136 2-4713 2-5195 2-9404 0-100 32 Tab. C. 7. Comparison continued. Exhibiting, in three large intervals of age, the relations of Annual Survivors and Annual Deaths. Assuming two additional bases — a total Population of 1,000,000 — and 100,000 as the total yearly deaths. Between Ages. Living. Dying. Rate of Death to Life, and to Age. Between Ages. Village. Mean. City. ■ Village. Mean. City. ViUage. Mean. City. 0-20 20-50 50-100 2131186 2514227 1479612 2120164 2429331 1263804 2155750 2308719 1015538 56075 26362 68931 52052 30393 64020 68062 35801 57273 2-6312 1-0485 4-6587 2-4551 1-2511 5-0657 3-1572 1-5507 5-6397 0-20 20-50 50-100 0-100 6125025 5813299 5480007 151368 146465 161136 2-4713 2-5195 2-9404 0-100 0-20 20-50 50-100 347947 410485 241568 364709 417892 217399 393385 421298 185317 9155 4304 11254 8954 5228 11013 12420 6533 10451 37045 17416 45539 35539 20751 43710 42239 22218 35543 0-20 20-50 50-100 0-100 1000000 1000000 1000000 24713 25195 29404 100000 100000 100000 0-100 Tab. C. 8. Comparison continued. Shewing, at quinquennial intervals, the Expectation of complete years, and the values of Assurance of £100. in Single Payments, and in Annual Payments. Rate of interest 3 per cent. Age. For Assurance of £100 in the year of Death. Age. Expectation. Annual Premium for Life. Single Premium. Village. Mean. City. ViUage. Mean. City. Village. Mean. City. 5 10 15 20 25 30 35 40 45 50 55 60 65 70 75 80 85 90 95 39-4556 50-7121 48-2866 44-5490 40-8966 37-3275 33-8378 30-4202 27-0634 23-7501 20-4552 17-1419 13-9704 11-1502 8-6996 6-6232 4-9107 3-5371 2-4662 1-6547 38-6889 47-8365 45-1705 41-6042 38-1141 34-7141 31-3996 28-1617 24-9873 21-8561 18-7387 15-5915 12-5840 9-9380 7-6657 5-7646 4-2172 2-9926 2-0507 1-3468 33-0085 43-6795 41-3524 37-9929 34-7162 31-5381 28-4525 25-4492 22-5124 19-6183 16-7313 13-7982 10-9988 8-5698 6-5149 4-8227 3-4676 2-4128 1-6150 1-0291 2-3831 1-1384 1-1682 1-3207 1-4972 1-7035 1-9476 2-2414 2-6030 3-0618 3-6691 4-5232 5-7102 7-2799 9-3739 12-1845 15-9655 21-0320 27-7348 36-3798 2-3365 1-2497 1-3163 1-4843 1-6800 1-9083 2-1780 2-5022 2-9012 3-4085 4-0843 5-0472 6-4013 8-1999 10-6071 13-8436 18-1934 23-9942 31-5905 41-2137 2-9494 1-4641 1-5275 1-7194 1-9426 2-2022 2-5081 2-8750 3-3260 3-9007 4-6715 5-7891 7-3847 9-5142 12-3733 16-2192 21-3703 28-1777 36-9407 47-7305 45-0001 28-1016 28-6268 31-1975 33-9513 36-9028 40-0724 43-4887 47-1935 51-2487 55-7470 60-8298 66-2219 71-4240 76-2941 80-7075 84-5715 87-8360 90-4963 92-5873 44-5121 30-0241 31-1266 33-7575 36-5806 39-5837 42-7847 46-2103 49-9017 53-9226 58-3726 63-4085 68-7284 73-7897 78-4565 82-6177 86-2000 89-1752 91-5584 93-3994 50-3137 33-4519 34-4024 37-1192 40-0104 43-0555 46-2690 49-6749 53-3134 57-2508 61-5960 66-5281 71-7148 76-5618 80-9457 84-7760 88-0055 90-6318 92-6916 94-2487 5 10 15 20, 25 30 35 40 45 50 55 60 65 70 75 80 85 90 95 NORTHAMPTON MORTALITY. 33 Tab. D. 1. Tab. D. 2. Shewing, at the end of any number of years from birth, — the Living out of a given number born, — also the Dying in the year succeeding. Shewing, at every age of life, in logarithms, — the probability of living one year (x,o),— also the Living out of a given number born (xo). 4 < liiving* Dying. 4 Living. Dying. 218820-2 48803-7 50 53232-0 1469-5 1 170016-5 26667-4 51 51762-5 1471-1 2 143349-1 15617-1 52 50291-5 1471-4 3 127732-0 9582-7 53 48820-1 1470-4 4 118149-3 6067-9 54 47349-7 1468-1 5 112081-4 3924-9 55 45881-6 1464-4 6 108156-4 2575-4 56 44417-2 1459-4 7 105581-1 1706-3 57 42957-8 1453-0 8 103874-8 1138-0 58 41504-8 1445-1 9 102736-8 920-5 59 40059-8 1435-7 10 101816-3 912-3 60 38624-1 1424-9 11 100904-0 904-0 61 37199-2 14126 12 100000-0 909-2 62 35786-6 1431-8 13 99090-8 927-8 63 34354-8 1481-7 14 98163-0 946-5 64 32873-2 1528-1 15 97216-5 965-2 65 31345-1 1570-2 I6 96251-3 984-1 66 29774-9 1607-1 17 95267-2 1003-0 67 28167-7 1638-0 18 94264-1 1022-0 68 26529-8 1661-7 19 93242-2 1041-0 69 24868-0 1677-5 20 92201-2 1060-0 70 23190-5 1684-4 21 91141-2 1078-9 71 21506-1 1681-5 22 90062-3 1097-9 72 19824-6 1668-2 23 88964-5 1116-7 73 18156-4 1643-9 24 87847-8 1135-5 74 16512-5 1608-2 25 86712-4 1154-1 75 14904-2 1561-0 26 85558-3 1172-6 76 13343-2 1502-4 27 84385-7 1190-8 77 11840-8 1432-8 28 83194-9 1208-9 78 10408-1 1353-0 29 81986-1 1226-7 79 9055-1 1264-0 30 80759-4 1244-2 80 7791-1 1167-4 31 79515-2 1261-4 81 6623-7 1064-9 32 78253-8 1278-2 82 5558-8 958-4 33 76975-7 1294-6 83 4600-4 850-1 34 75681-0 1310-5 84 3750-3 742-4 35 74370-5 1326-0 85 3007-9 637-6 36 73044-5 1341-0 86 2370-4 537-5 37 71703-5 1355-4 87 1832-9 444-4 38 70348-1 1369-1 88 1388-5 359-7 39 68978-9 1382-2 89 1028-9 284-5 40 67596-7 1394-6 90 744-4 219-5 41 66202-0 1406-3 91 524-8 165-0 42 64795-7 1417-1 92 359-9 120-4 43 63378-6 1427-1 93 239-5 85-2 44 61951-5 1436-2 94 154-2 58-3 45 60515-2 1444-4 95 95-9 38-5 46 59070-8 1451-6 96 57-4 24-4 47 57619-2 1457-7 97 33-0 14-9 48 56161-5 1462-8 98 18-2 8-6 49 54698-8 1466-7 99 9-5 4-8 A.ffl r- 8904037 •9259038 -9499048 -9661315 -9771021 -9845191 -9895336 -9929239 -9952159 -9960914 -9960913 -9960914 -9960332 -9959145 -9957923 -9956665 -9955368 -9954033 -9952658 -9951242 -9949784 -9948282 -9946735 -9945142 •9943501 -9941811 •9940070 -9938278 -9936431 -9934530 •9932572 -9930555 •9928477 -9926338 •9924135 •9921866 -9919528 -9917121 ■9914642 -9912089 ■9909460 ■9906751 -9903962 -9901089 -9898131 -9895084 •9891946 -9888713 ■9885385 •9881956 Aa •3400875 •2304912 •1563950 •1062998 •0724313 •0495334 -0340525 -0235861 -0165100 -0117259 -0078173 -0039086 -0000000 r-9960332 -9919477 -9877400 -9834065 -9789433 -9743466 -9696124 -9647366 -9597150 -9545432 -9492167 •9437309 ■9380810 ■9322621 ■9262691 ■9200969 •9137400 •9071930 •9004502 •8935057 •8863534 •8789872 ••8714007 •8635873 ■8555401 ■8472522 •8387164 •8299253 •8208713 •8115464 •8019426 •7920515 •7818646 •7713730 •7605676 •7494389 •7379774 A, a r9878426 •9874789 •9871044 •9867186 •9863214 •9859122 •9854908 •9850568 •9846099 •9841495 •9836754 ■9831871 •9822670 •9808538 •9793280 ■9776806 •9759019 •9739814 •9719080 •9696693 •9672521 -9646424 -9618246 -9587824 •9554976 •9519511 •9481220 -9439877 -9395240 •9347045 •9295010 •9238827 •9178168 •9112674 •9041961 •8965613 •8883180 ■8794178 ■8698083 ■8594331 •8482310 ■8361362 ■8230775 •8089781 ■7937552 •7773190 •7595730 •7404129 •7197258 •6973901 ;ia r7261730 •7140156 •7014945 •6885989 •6753175 •6616389 •6475511 •6330419 •6180987 ■6027086 •5868581 •5705335 •5537206 •5359876 •5168414 •4961694 •4738500 •4497519 •4237333 •3956413 •3653106 •3325627 •2972051 •2590297 ■2178121 •1733097 •1252608 •0733828 ■0173705 r- 9568945 •8915990 •8211000 •7449827 •6627995 •5740669 •4782630 •3748243 •2631423 •1425601 •0123684 r8718015 •7200325 •5561687 •3792462 -1882243 i-98 19795 -7592985 •5188715 •2592844 ^9790102 34 STOCKHOLM MORTALITY. Tab. D. 3. Tab. D. 4. Shewing, at the end of any number of years from birth, — the Living out of a given number born, — also the Dying m the year succeeding. Shewing, in logarithms, at every age of life, — the probability of living one year (».,o), — also the Living out of a given number bom (x a). < Living. Dying. Living. Dying. /,a A a 1 Aa X a 302679-3 90852-2 50 40994-S 1591-3 T-844998S •4809828 50't^9828058 T^6 127296 1 211827-1 45413-8 51 39403-6 1574-4 1 -8962064 •32,59817 61 •9822915 ■5966354 2 166413-3 25049-3 52 37829-2 1556-7 2 •9291608 •2211881 52 •9817618 •5778269 3 141364-C 14762-4 53 36273-4 1535-4 3 •9521001 •1503389 53 •9812163 •5695887 4 126601-6 9097-0 64 34738-C 1613-4 4 •9676167 •1024390 54 •9806544 •5408050 5 117504-6 5777-0 65 33224-6 1489-8 5 •9781055 •0700547 55 •9800758 •5214594 6 111727-6 3744-0 56 31734-8 1464-6 6 -9851976 •0481602 56 •9794798 •5015352 7 107983-6 2459-9 57 30270-2 1437-8 7 -9899923 •0333577 57 •9788660 •4810150 8 105523-7 1631-3 68 28832-4 1409-4 8 •9932340 •0233500 58 •9782339 •4598810 9 103892-4 1314-0 59 27423-0 1379-6 9 •9944720 •0165840 59 •9775828 ■4381149 10 102578-4 1-297-4 60 26043-4 1348-3 10 •9944720 •0110560 60 •9769123 ■4156977 11 101281-0 1281-0 61 24695-1 1315-7 11 •9944720 •0055280 61 •9762217 ■3926100 1,2 100000-0 1283-5 62 23379-3 1311-9 12 •9943898 -0000000 62 •9749203 ■3688317 13 98716-5 1304-7 63 22067-4 1333-9 13 •9942219 1-9943898 63 •9729217 •3437520 14 97411-8 1325-7 64 20733-6 1349-8 14 -9940491 •9886117 64 ■9707637 •3166737 15 96086-1 1346-5 65 19383-7 1358-9 15 -9938711 •9826608 65 ■9684338 •2874374 16 94739-7 1367-0 66 18024-8 1360-4 16 -9936878 -9766319 66 ■9659182 •2.558712 17 93372-6 1387-3 67 16664-4 1353-8 17 -9934990 -9702197 67 •9632022 •2217894 18 91985-4 1407-3 68 15310-6 1338-6 18 •9933046 •9637187 68 ■9602697 •1849916 19 90578-1 1426-8 69 13972-1 1314-1 19 •9931043 •9570232 69 •9571035 •1452613 20 89151-3 1446-0 70 12658-0 1280-4 20 •9928980 •9501275 70 •9536850 ■1023648 21 87705-2 1464-7 71 11377-6 1237-4 21 •9926856 •9430255 71 •9499940 •0560498 22 86240-5 1483-0 72 10140-1 1186-4 22 •9924668 •9357111 72 •9460089 •0060438 23 84757-5 1500-7 73 8954-7 1124-8 23 •9922414 •9281779 73 •9417063 2-9520527 24 83256-7 1517-8 74 7830-0 1056-3 24 •9920094 •9204193 74 •9370607 ■8937590 25 81738-9 1534-3 75 6773-6 981-1 25 ■9917703 •9124287 75 •9320449 •8308197 26 80204-6 1550-1 76 5792-5 900-4 26 ■9915242 •9041990 76 •9266294 ■7628646 27 78654-4 1565-2 77 4892-1 816-7 27 -9912707 •89.57232 77 •9207823 ■6894940 28 77089-3 1679-5 78 4076-4 728-7 28 •9910095 •8869939 78 •9144693 ■6102763 29 75509-8 1592-9 79 3347-7 641-3 29 •9907406 •8780034 79 ■9076532 •5247456 30 73916-9 1605-4 80 2706-4 555-2 30 •9904637 •8687440 80 •9002939 •4323988 31 72311-5 1617-0 81 2151-3 472-3 31 •9901784 -8592077 81 •8923480 •3326927 32 70694-6 1627-5 82 1679-0 394-2 32 •9898846 -8493861 82 •8837690 •2250407 33 69067-0 1637-1 83 1284-7 322-4 33 •9895821 •8392707 83 •8745064 •1088097 34 67429-9 1645-5 84 962-3 267-9 34 •9892705 -8288628 84 •8645054 ^•983316 1 35 65784-5 1652-8 85 704-4 201-4 35 •9889495 -8181233 85 •8637075 •8478215 36 64131-7 1658-8 86 503-0 153-3 36 •9886190 ■8070728 86 •8420492 •7015290 37 62472-9 1663-6 87 349-6 113-5 37 -9882786 ■7956918 87 •8294617 •5435782 38 60809-4 1667-0 88 236-1 81-6 38 ■9879280 ■7839704 88 ■8158711 •3730399 39 ,59142-3 1669-1 89 154-5 56-7 39 -9875669 ■7718984 89 ■8011975 •1889110 40 57473-2 1669-8 90 97-7 38-1 40 •9871950 ■7594653 90 ■7853645 4-9901085 41 55803-4 1669-1 91 59-6 24-7 41 -9868119 ■7466603 91 ■7682489 -7754630 42 54134-3 1666-8 92 35-0 15-3 42 •9864176 ■7334722 92 ■7497800 -5437119 43 52467-4 1663-1 93 19-7 9-1 43 •9860112 ■7198897 93 ■7298394 -2934919 44 50804-3 1657-7 94 10-6 5-2 44 •9855928 •7059009 94 ■7083097 •0233313 45 49146-6 1650-8 96 5-4 2-8 45 •9851618 •6914937 96 •6850643 5-7316410 46 47495-8 1642-2 96 2-6 1-4 46 •9847180 •6766555 96 •6599663 •4167053 47 45853-6 1632-0 97 1-2 -7 47 -9842609 ■6613735 97 •6328683 -0766716 48 44221-6 1620-1 98 -5 -3 48 -9837900 ■6456344 98 ■6036107 ff-7095399 49 42601-4 1606-6 99 -2 •1 49 -9833052 ■6294244 99 ■5720216 •3131506 35 Tab. D. 5. Comparison of the preceding Northampton and Stockholm Tables (which are those of Dr. Price, adapted to the New Theory) under the heads,— Expectation of complete years,— Survivors at successive ages— Annual Deaths, and Constantly Living in a Stationary Population, resulting from 1 00,000 annually attaining the age of 12 years. Age. Expectation. Survivors. . Northampton Stockholm. Northampton Stockhohn. 24-1582 15-7839 218820 302679 5 41-1753 34-1583 112081 117505 10 40-1980 33-9452 101816 102578 15 37-0044 31-1028 97216 96086 20 33-9064 28-3644 92201 89151 25 30-9239 25-7530 86712 81739 30 28-0538 23-2646 80759 73917 35 25-2897 20-8919 74371 65784 40 22-6214 18-6232 67597 57473 45 20-0328 16-4401 60515 49147 50 17-4990 14-3142 53232 40995 55 14-9821 12-2000 45882 33225 60 12-4233 10-0232 38624 26043 65 9-8351 7-7786 31345 19384. 70 7-5785 5-8578 23190 12658 75 5-6928 4-2920 14904 6774 80 4-1596 3-0510 7791 2706 85 2-9478 2,-094S 3008 704 90 2-0172 1-3783 744 98 95 1-3255 -8387 96 5 Between Ages. ■ Living. Dying. Rate ^cent. 0—5 724698 106739 14-7287 5-10 527298 10265 1-9467 10-20 971408 9615 -9898 20-30 866334 11442 1-3207 30-40 743049 13163 1-7715 2 40-50 604808 14365 2-3751 1 50-60 458973 14608 3-1827 60-70 311806 15434 4-9497 ^ 70-80 151042 15399 10-1954 80-90 34430 7047 20-4669 • 90-100 1867 740 39-6197 0-100 5395713 218816 4-0554 20-50 2214191 38969 1-7600 0—5 856298 185175 21-6250 5-10 539169 14926 2-7684 10-20 960036 13427 1-3986 20-30 816691 15234 1-8654 30^0 657539 16444 2-5008 40-50 491762 16478 3-3508 50-60 333248 14951 4-4866 60-70 193582 13385 6-9146 3 70-80 70867 9952 14-0425 80-90 9427 2609 27-6726 90-100 184 98 53-2193 0-100 4928803 302679 6-1410 20-50 1965992 48156 2-4495 Tab. D. 6. Exhibiting the coincidence, for long portions of time, of the Table of Village Mortality with the Carlisle Table of Mr. Milne ; the former being under .the regulation of the New Theory, and the latter expressing an imagined decrement for short periods of the greatest irregularity. Rate of interest 4 per cent. Age. 5 Survivors. Expectation. j Life Annual Premium for 1 Assurance of £ LOO. 1 Premium for one year's Assurance of £lOO. Life Annuity of f 1. Age. 5 Milne* Theory. Milne. Theory. Milne. Theory. Milne. Theory. Mitae. Theory. 10522 10521 51-25 51-21 1-0096 1-0115 1-7117 1-7950 19-594 19-586 10 10000 10000 48r82 48-79 1-0117 1-0134 -4316 •4867 19-585 19-578 10 15 9762 9734 45^00 45-05 1-1648 1-1562 -5952 -5637 18-956 18-991 15 20 9427 9435 41-46 41-40 1-3183 1-3222 •6789 •6529 18-363 18-348 20 25 9101 9100 37-86 37-83 1-5172 1-5173 -7032 -7562 17-645 17-645 25 30 8734 8726 34-34 34-34 1-7554 1-7493 -9714 -8757 16-852 16-872 30 35 8300 8313 31-00 30-92 2-0220 2-0300 -9863 1-0140 16-041 16-018 35 40 7856 7858 27-61 27-56 2-3750 2-3776 1-2504 1-1740 15-074 15-067 40 45 7317 7362 24-46 24-25 2-774'6 2-8220 1-4239 1-3591 14-104 13-997 45 50 6807 6826 21-11 20-96 3-3641 3-4159 1-2902 1-5731 12-869 12-770 50 55 6305 6254 17-58 17-64 4-2839 4-2616 1-7233 1-8640 11-300 11-334 55 60 5639 5576 14-34 14-47 5-5320 5-4459 3-2201 2-7225 9-663 9-762 60 65 4672 4711 11-79 11-65 6-8984 7-0133 3-9506 3-9680 8-307 8-208 65 70 3717 3680 9-18 9-20 9-1257 9-1041 4-9658 5-7654 6-709 6-722 70 75 2593 2561 7-01 7-12 12-1820 11-9085 9-1848 8-3395 5-239 5-347 75 80 1475 1504 5-51 5-41 15-4476 15-6769 11-7039 11-9842 4-183 4-122 80 85 689 689 4-12 4-04 20-4551 20-7203 16-8539 17-0597 3-115 3-071 85 90 220 219 3-28 2-97 25-4278 27-3847 25-0541 23-9580 2-416 2-^202 90 95 46 41 3-53 2-15 23-3721 35-9713 22-4359 33-0054 2-674 1-511 95 36 Tab. D. 7. The Observations made on the Populations of Sweden, Glasgow, Carlisle, and Stockholm, compared with the New Table of Mean Mortality. Expressing the annual Death from 100 con- stantly Living. Between Glasgow. CarUsle. The New Table. • Sweden. Stockholm. 9 Years. 1756—63. Between Ages. Ages. 6 Yean. 1821—26. 9 Years. 1779-87. 21 Years. 17SS-7.'i. 20 Years. I776-«5. 5 Years. 1801—6. Hales. Females. 0—5 5-10 10-20 20-30 30-40 40^0 50-60 60-70 70-80 80-90 Al>ove90 7-7300 1-2937 -7147 1-0500 1-3101 1-7057 2-8802 5-1932 11-4978 19-2833 37-1515 8-2282 1-0226 -5854 •7541 P0588 1-4345 1-8267 4-,1249 8-2992 17-5627 28-4444 6-7250 •9869 •7004 •9348. 1-2543 1-6824 2-4019 4-8326 10-0432 20-1783 39-8503 9-0089 1-4165 •7086 •9181 1^2200 1-7409 2-6412 4-8095 10-2320 20-7769 39-4096 8-5027 1-3648 •6530 •8910 1-1560 1-6063 2-3868 4-9340 10-4115 19-7391 35-1325 7-3889 1-0701 -5370 -7415 •9712 1-4602 2-5115 4-8940 11-1768 23-2119 41-9837 26-9579 2-8926 1-3041 2-6260 3-5419 4-6711 6-4587 10-0992 15-8654 31-9444 37-5000 22^8428 2-5641 •9353 1-5035 2-4115 3-3909 4-0532 6-6732 14-6809 34-1708 44-4444 0—5 5-10 10-20 20-30 30-40 40-50 50-60 60-70 70-80 80-90 90-100 AU Ages. 2-5557 2-5000 2-5525 2-8898 2-6786 2-4449 5-9312 4-7772 0-100 Tab. D. 8. Deparcieux's French Monks, Nuns, and Tontine. Expressing the relation of annual Deaths to 100 annual Survivors. Between Ages. Tontine. Benedict. Monies of St. Maur. Other Be- nedictine Monks. Monks of St. Gteeri^Te Many other Monks. Many Nuns in Paris. 20-30 1-03 -74 -83 -87 •78 -80 30-40 1-10 1-12 -95 1-36 •94 1-04 40-50 1-22 1-58 1-53 2-03 r5i 1-40 50-60 2-22 2-98 2-91 3-11 2-72 2-34 60-70 3-83 5-48 5-67 5-89 5-20 4-59 70-80 8-65 12-30 12-88 11-20 10-93 9-10 80-90 18-23 23-77 24-14 24-54 24-03 18^84 90-100 44-00 33-33 33-33 33-33 42-86 26^67 20-100 2-46 2-57 2-56 2-70 2-51 2-46 Tab. D. 9. Shewing the relation of Sickness to Life, at different ages, according to the Report made by the Highland Society. Between Agefc Years of Life. Weeks of Sickness. Sick Weeks in a Year. Rate of Sick time to ISO of Lifetime. 17-20 20-30 30-40 40-50 50-60 60-70 AboTe70 1056 23509 36261 25119 12598 4548 1127 401 13907 24894 25806 23691 25622 18642 •3797 •5916 •6865 1-0273 1-8805 5-6337 16-5413 •7611 •7278 M337 r3157 1-9689 3-6041 10-7970 31-7016 20-^0 84889 64607 1^4586 Tab. D. 10. Shewing the Annual Rate of Mortality per cent, on Six Classes of Government Annuitants, for periods terminating in the year 1826, so for as can be collected from the published " Statement." Between Ages. Nos. 1. 2. 3. 4. 5. 6. 2, 3, 4, and 5. | Male. Female. Male. Female. Male. Female. Male. Female. Male. Female. Male. Female. Hate. FemBl& 0-11 11-21 21-31 31-41 41-51 51-61 61-71 71-81 81-91 •95 1-21 2-61 2-21 2-57 3-33 6-29 11-91 21-05 1-44 -78 1-57 1-88 2-02 3-42 4-49 9-95 25-22 -54 -50 1-16 1-17 1-29 2-91 6-64 11-72 20-66 -68 ;52 1-12 1-28 1-63 2-49 5-03 9-14 14-76 -70 -85 1-36 1-25 1-35 2-40 4-27 8-59 20-12 -59 •67 ■97 1-15 1"24 1^52 3-53 8-78 14-93 -79 -96 1-31 1-30 1-17 2-18 4-07 8-08 11-59 -65 •78 •76 1-00 1^30 1-71 2-73 7-50 19-19 -84 -87 1-30 1-12 1-46 3-05 5-34 9-35 21-97 -78 -89 -81 -93 •97 1-63 4-35 1-65 2-20 4-27 8-37 15-17 -76 1-44 2-80 6-85 13-98 -77 -85 1-30 1^20 1^34 2^69 5-30 9-73 18-95 -67 •75 •89 1^07 1-31 1-94 4-20 8-78 15-30 Total 1 nuatlu.l 594 408 892 1504 911 1082 637 678 1243 580 593 955 3683 3844 Number 1 ll'ing i- olIginBll^.j 594 408 928 1624 1486 2071 1498 2020 2764 2067 2077 4815 6676 7782 obiern. f tlon In f 90 years. 80 51 37 . 37 9 40 1 37 Tab. D. 11. Shewing the present value of £100 certain, to be received at the end of any number of years, from one to fifty. Tab. D. 12. Shewing the present value of Annuity of £l, for a fixed term of years, payments being made at the end of each year. Years. S^-cent. l#'cent. 5 f cent. 6 #' cent. Years. 3 #■ cent. 4 #■ cent. 5 #" cent. 6 ^ cent. 1 97-0874 96-1538 95-2381 94-3396 1 -9709 •9615 -9524 -9434 2 94-2596 92-4556 90-7029 88-9996 2 1-9134 1-8861 1-8594 1-8334 3 91-5142 88-8996 86-3838 83-9619 3 2-8286 2-7751 2-7232 2-6730 4 88-8487 85-4804 82-2702 79-2094 4 3-7171 3-6299 3-5460 3-4651 5 86-2609 82-1927 78-3526 74-7258 5 4-5797 4-4518 4-3295 4-2124 6 83-7484 79-0315 74-6215 70-4961 6 5-4172 5-2421 5-0757 4-9173 7 81-3092 75-9918 71-0681 66-5057 7 6-2303 6-0021 5-7864 5-5824 8 78-9409 73-0690 67-6839 62-7412 8 7-0197 6-7327 6-4632 6-2098 9 76-6417 70-2587 64-4609 59-1898 9 7-7861 7-4353 7-1078 6-8017 10 74-4094 67-5564 61-3913 55-8395 10 8-5302 8-1109 7-7217 7-3601 11 72-2421 64-9581 58-4679 52-6788 11 9-2526 8-7605 8-3064 7-8869 12 70-1380 62-4597 55-6837 49-6969 12 9-9540 9-3851 8-8633 8-3838 13 68-0951 60-0574 53-0321 46-8839 13 10-6350 9-9856 9-3936 8-8527 14 66-1118 57-7475 50-5068 44-2301 14 11-2961 10-5631 9-8986 9-2950 15 64-1862 55-5265 48-1017 41-7265 15 11-9379 11-1184 10-3797 9-7122 16 62-3167 53-3908 45-8112 39-3646 16 12-5611 11-6523 10-8378 10-1059 17 60-5016 51-3373 43-6297 37-1364 17 13-1661 12-1657 11-27-41 10-4773 18 58-7395 49-3628 41-5521 35-0344 18 13-7535 12-6593 11-6896 10-8276 19 57-0286 47-4642 39-5734 33-0513 19 14-3238 13-1339 12-0853 11-1581 20 55-3676 45-6387 37-6889 31-1805 20 14-8775 13-5903 12-4622 11-4699 21 53-7549 43-8834 35-8942 29-4155 21 15-4150 14-0292 12-8212 11-7641 22 62-1893 42-1955 34-1850 27-7505 22 15-9369 14-4511 13-1630 12-0416 23 50-6692 40-5726 32-5571 26-1797 23 16-4436 14-8568 13-4886 12-3034 24 49-1934 39-0121 31-0068 24-6979 24 16-9355 15-2470 13-7986 12-5504 25 47-7606 37-5117 29-5303 23-2999 25 17-4131 15-6221 14-0939 12-7834 26 46-3695 36-0689 28-1241 21-9810 26 17-8768 15-9828 14-3752 13-0032 27 45-0189 34-6817 26-7848 20-7368 27 18-3270 16-3296 14-6430 13-2105 28 43-7077 33-3477 25-5094 19-5630 28 18-7641 16-6631 14-8981 13-4062 29 42-4346 32-0651 24-2946 18-4557 29 19-1885 16-9837 15-1411 13-5907 30 41-1987 30-8319 23-1377 17-4110 30 19-6004 17-2920 15-3725 13-7648 31 39-9987 29-6460 22-0359 16-4255 31 20-0004 17-5885 15-5928 13-9291 32 38-8337 28-5058 20-9866 15-4957 32 20-3888 17-8736 15-8027 14-0840 33 37-7026 27-4094 19-9873 14-6186 33 20-7658 18-1476 16-0025 14-2302 34 36-6045 26-3552 19-0355 13-7912 34 21-1318 18-4112 16-1929 14-3681 35 35-5383 25-3415 18-1290 13-0105 35 21-4872 18-6646 16-3742 14-4982 36 34-5032 24-3669 17-2657 12-2741 36 21-8323 18-9083 16-5469 14-6210 37 33-4983 23-4297 16-4436 11-5793 37 22-1672 19-1426 16-7113 14-7368 38 32-5226 22-5285 15-6605 10-9239 38 22-4925 19-3679 16-8679 14-8460 39 31-5754 21-6621 14-9148 10-3056 39 22-8082 19-5845 17-0170 14-9491 40 30-6557 20>8289 14-2046 9-7222 40 23-1148 19-7928 17-1591 15-0463 41 29-7628 20-0278 13-5282 9-1719 41 23-4124 19-9931 17-2944 15-1380 42 28-8959 19-2575 12-8840 8-6527 42 23-7014 20-1856 17-4232 15-2245 43 28-0543 18-5168 12-2704 8-1630 43 23-9819 20-3708 17-5459 15-3062 44 27-2372 17-8046 11-686! 7-7009 44 24-2543 20-5488 17-6628 15-3832 45 26-4439 17-1198 11-1297 7-2650 45 24-5187 20-7200 17-7741 15-4558 46 25-6737 16-4614 10-5997 6-8538 46 24-7754 20-8847 17-8801 15-5244 - 47 24-9259 15-8283 10-0949 6-4658 47 25-0247 21-0428 17-981C 15-5890 48 24-1999 15-2195 9-6142 6-0998 48 25-2667 21-1951 18-0772 15-650C 49 23-495C 14-6341 9-1564 I 5-754€ 49 25-5017 .21-3415 ,18-1687 .15-7076 50 22-8107 14-0713 8-7204 [ 5-428S 50 25-729S i 21-4822 18-255£ » 15-761E 60 16-9732 9-506C 5-353e ) 30314 60 27-675e ) 22-623£ 18-929C 1 16-1614 70 12-6297 6-421S 3-286f > 1-6927 70 29-123^ t 23-394£ > 19-3427 16-384£ 80 90 9-3977 6-9928 4-3384 2-930£ \: 2-0177 ' -9455 80 30-200? ! 23-9154 [ 19-5961 ) 16-5091 > 1-2387 ' -527f Perpe tual. 33-3331 i 25-OOOC 20-OOOC ) 16-6667 38 The few following Formulce will be found to embrace all cases of common occurrence in the Practice of Life Assurance. I have adopted the Notation used by Mr. Milne, in his " Treatise on Life Annuities^ The different letters of the alphabet denote distinct lives of specified ages. The manner of writing each letter denotes the kind of contingency. For a specified life or age, the Saxon large character denotes an Assurance of £1, or the value of £1, payable at the expiration of the year of death ; the common Roman capitals denote the value of £ 1, payable annually during life ; the small Italic characters denote the tabular Survivors at the given age out of a given number born. The last characters, with small figures added to the left and lower corner, express the probability of surviving one, two, or more years. The expression for any specific contingency on a given life is made to serve for a life older or younger by a known number of years : if older, this number is placed at the higher and left corner ; if younger, at the lower and right corner. The present value of £ 1 , payable certain, at the end of one year := v. A=iaD(l+iA): i. e. value of Annuity of £1 on given life = r— ) probability of living one year x « X (1 + Annuity on life one year older). AB=A4-B— AB: i. e. Annuity on longest of two lives=Annuity on A+ Annuity on B — Annuity on the joint lives. -j-rA^A — ,a ««'A : i. e. life Annuity for (f) years=Annuity for whole of life — probabi- lity, of living (<) years x v' x Annuity on life {t) years older. I — lav' Annual payment for Assurance of £1 for (t) years = , . 'n -4-'A '>"*""~^ Single payment for same = Annual payment x {1 -t-A — ,ai;'(l +'A)}^-yM Single payment for £ 1, payable on the ) 1 ( ^« , ^ ^ ) -Annual nav death of (A), provided (B) then alive j " 2 1 +^^~ A 5 ~*°''"^' P^^' ment x (1 + AB). Value of Annuity on longest of three lives, or A B C = ( A + B + C) — (AB + AC + BC) +ABC. Value of £ 1, payable if A, B, and C are all alive at the end | _'a'b'c ', , , . , of (0 years 5 ~ 'Si^'' ~'^^ ^^^ Value of absolute reversion of Life Annuity = l—v Value of Life Reversion to B after A =B — AB. Value of Life Annuity of £ 1 , payable weekly = A + •S. Constants. Interest. V. x«. X 1 — c). 3 per cent. 4 per cent. 5 per cent. 6 per cent. •97087379 •96153846 •95238095 •94339623 t987 16277 •98296666 •97881070 •97469413 ^•4642840 •5850267 •6777807 •7528454 T7J ^ '^ The three values of >i p j/=io ^ h, or modulus of common logarithms='434294482. Ml —•1700. 0128. 0333. And A A = T^6377843. LONDON: J. M0YE9, CASTLE STREET, LEICESTER SQUARE.