ON LIFE INSURANCE AND VITAL STATISTICS. 
275 
1 . — Differences in the ?nean Duration of Life. 
Ages. 
English. 
In 
Towns. 
Country. 
Irish. 
North- 
ampton 
Table. 
French. 
! Males. 
Females. 
Difference. 
Males. | Females. 
Difference. 
20 
Y. M. 
36 6 
Y. M. 
37 6 
Y. M. 
0 11 
Y. M. 
41 2 
Y. M. 
40 4 
Y. M. 
34 11 
Y. M. 
33 5 
Y. M. 
38 5 
Y. M. 
44 0 
Y. M. 
5 7 
30 
33 2 
34 3 
1 0 
34 10 
34 2 
29 8 
28 3 
33 2 
37 7 
4 5 
40 
26 6 
27 9 
1 3 
27 6 
27 4 
23 4 
23 1 
27 0 
31 1 
4 1 
Ages. 
In Whitechapel. 
In St. George’s, 
Hanover Square. 
Difference. 
20 
33 years 6 months 
39 years 6 months 
6 years. 
50 
15 „ 11 „ 
18 „ 8 ,, 
3 •„ 
2 . — Expectation of Life. 
Ages. 
North- 
ampton 
Table. 
Carlisle 
Table. 
Equitable 
Society. 
Govern- 
ment An- 
nuitants. 
Experience 
of 17 
Offices. 
Dr. Farr’s 
English 
Life Table. 
French 
Life 
Tables. 
25 
Y. M. 
30 10 
Y. M. 
37 10 
05k| 
00- 
H->. 
Y. M. 
38 4 
Y. M. 
37 11 
Y. M. 
36 8 
Y. M. 
37 2 
30 
28 
3 
34 
4 
34 
4 
35 
5 
34 
5 
33 2 
34 
1 
40 
23 
1 
27 
7 
27 
5 
29 
1 
27 
3 
26 6 
27 
6 
The mean expectation of life term in — 
London is 37 years, where there is one death annually in 41 persons-- 
Liverpool „ 26 „ „ „ „ „ 30 „ 
Surrey „ 45 „ „ „ » „ 52 „ 
This average duration and expectation of life are the elements 
on which payments are calculated, to carry out a contract for 
assurance. An office may insure for the risk of death during 
one year, or for the whole future years of a person's life, as 
shown by the annexed English Life table. At twenty-five, the 
full expectation of life is thirty-seven years; and 38£. Is. in- 
vested at three per cent, for that period will, yield 100£. ; but a 
man may agree to give only 16s. 10<A for a single year’s risk. 
This is termed “ natural ” premium, while it would require 
1 L 14s. 11 annually for the remaining years of his life if an 
“ invariable ” or 6( uniform ” premium were paid. 
