of Edinburgh, Session 1869-70. 
117 
female Government annuitants of 1829 and of I860 exhibit a greater 
mortality of male life at all ages. An explanation of these dif¬ 
ferences is offered. A comparison is then made between the actual 
number of deaths and rate of mortality, of healthy assured females, 
with the computations according to the Carlisle and Actuaries’ 
tables. There is, at same time, given a table, showing the favourable 
and unfavourable deviations of the one aggregate table of mortality, 
as a measure of the experience of sections of entrants. From this 
table it will be seen that neither the Carlisle nor the Actuaries’table 
correctly measures the mortality of female assurants under age thirty- 
five; and it will be inferred from the results given, that the table, 
based upon the aggregate experience of assured female lives, cannot 
measure the aggregate experience and at same time accurately re¬ 
present the mortality of its sectional parts. 
Total Lives—Males and Females. 
After the usual comparisons of the actual and computed number 
of deaths and of the rates of mortality, according to the Carlisle and 
Actuaries’ tables, there is given a view of the rates of mortality expe¬ 
rienced on assurances effected with participation in profits and with¬ 
out participation, and an explanation is given of the reason of the 
greater mortality of assurances without profits, by pointing out that 
a very much greater mortality has been experienced on assurances 
(without profits) effected for temporary periods, averaging about 40 
per cent, on lives under age 50. The relation of the aggregate to 
the sectional experience, as in the case of male and female lives 
separately, is show r n with similar results. A very full comparison is 
thereafter effected between the mortality of assured lives with the 
mortality of the population. After comparing these aggregate expe¬ 
riences, a comparison is made between the rate of mortality expe¬ 
rienced on assured lives, excluding the light mortality of the first 
year, first two years, &c., of the assurances, and the general aggre¬ 
gate rate of mortality of the population, with the view of pointing out, 
in this form , the relation of the mortality of assured lives, after the 
effects of selection have subsided, to the mortality of the population. 
The effect of selection is thereafter considered in its proper manner, 
and comparisons made between the mortality of persons in the 
same quinquennial period of life, but arranged according to the 
VOL. VII. 
Q 
