t’50 L 1 F E - A N N U I T Y. 
In cafe the Age of the elder Nominee (hall exceed the Age of the younger Nominee by more than Twenty-f 5 v* 
Years, but not by more than Thirty Years. 
3 60—61 
0 
> 1 
61—62 
62—63 
63—64 
64—65 
65—66 
66—67 1 
67—68 
68—69 
69—70 
70—71 
ll l. s. d. 
1 . j . d. 
L s. 
d. 
l. s d. 
L. s. d. 
/. s. d. 
l. s. d. 
/. s . d . 
/. s. d 
l. s. d 
l . s . d . 
35 4 4 0 
4 5 ° 
4 5 
0 
460 
470 
470 
4-80 
490 
490 
4 10 O 
4 10 O 
40 4 9 0 
4 10 O 
4 
0 
4 12 0 
4 12 O 
4130 
4 14 O 
4150 
4 i 5 0 
4 16 0 
4170 
45 4 16 0 
4170 
4 18 
0 
4190 
5 0 0 
5 * 0 
j 5 2 0 
5 2 0 
5 3 0 
540 
5 5 0 
50 II 5 4 0 
5 5 ° 
5 6 
0 
570 
580 
5 9 ° 
1 5 10 0 
s 11 0 
S 12 0 
5 13 0 
5 14 0 
In cafe the Age of the elder Nominee fliall exceed the Age of the younger Nominee by more than Thirty Years, but 
not by more than Thirty-five Years. 
1 i- 
s. 
d. 
/. 
5. 
d. 
l. s. 
d. 
L s . 
d. 
l. s. 
d 
L 5. 
d. 
/. 
5. 
d. 
1. 
s. 
d 
/. 
s. 
d. 
l. s. 
d. 
/. i. 
d. J 
35 
4 
6 
0 
4 
6 
0 
4 7 
O 
4 8 
0 
4 3 
c 
4 
9 
0 
4 
10 
0 
4 
11 
0 
4 
11 
0 
4 12 
O 
4 13 
of 
40 
4 
12 
0 
4 
12 
0 
4 13 
O 
4 34 
0 
4 15 
0 
415 
0 
4 
16 
0 
4 
17 
0 
4 
18 
0 
4 19 
O 
4 19 
0 
45 
1 4 
19 
0 
5 
0 
0 
5 1 
O 
5 1 
0 
5 2 
0 
5 
3 
0 
5 
4- 
0 
5 
5 
P 
5 
6 
0 
5 7 
O 
5 8 
oj 
In cafe the Age of the elder Nominee fliall exceed the Age of the younger Nominee by more than Thirty-five 
Years. 
f 
l 
5. 
d 
L 
s. 
d. 
l. 
5. 
d. 
/. 
s. 
d. 
1. 
5. 
d\ 
1. 
s. 
d. 
/. 
s. 
d. 
l. 
s . 
d.\ 
1 . 
s. 
d. 
l. 
s. 
d. 
l. 
s. 
d 
1 35 
4 
8 
O 
4 
8 
O 
4 
9 
O 
4 
10 
0 
4 
10 
o 
4 
11 
0 
4 
12 
0 
4 
12 
O 
4 
13 
0 
4 
!4 
O 
4 
15 
0 
1 40 
4 
13 
O 
4 
14 
O 
4 
15 
O 
4 
16 
0 
4 
17 
0* 
4 
17 
0 
4 
18 
O 
4 
19 
0 
5 
0 
0 
5 
I 
O 
5 
T 
° 
The Tables being very long, the above ages and prices 
of flock only are ftated; but annuities are granted upon 
all joint lives, from the age of 35 and upwards, when the 
3 per cent. conf. or reduced are at or above 50. 
Examples, i. If the elder life be 60, and the younger 
55, (difference 5 ;) the rate of annuity for tliefe two lives, 
or the furvivor of them, if the price of flock were 65 and 
under 66, would be 5I. for every iool. flock, being at the 
average rate of 7I. 12s. 8d. for iool. money. 
*. Elder life 72, younger 60, difference 12. The rate of 
annuity upon thefe two lives, if the flock were at 65 and 
under 66, would be 61. 3s. for every iool. flock, or 9I. 7s. 
jd. for iool. money. Other offices, 81 . 3s. per cent. 
3. Elder life 67, younger 45, difference 22 years. The 
rate of annuity for thefe two lives (price of flock as be¬ 
fore) would be 4I. 18s. for every iool. flock, or 7I. 9s. 
7d. for iool. money. Other offices, 61 . 17s. for iool. 
money. 
4. Elder life 75, younger 35, difference 40. The rate 
of annuity upon thefe two lives (price of flock as before) 
would be 4I. ns. for every iool. flock, or 61. 18s. nd. for 
iool. money. 
In the calculation of tables for granting life-annuities, 
however, no notice is taken (nor indeed could it be with¬ 
out having in every inltance a double fet) of the difference 
between the duration of human life among males and fe¬ 
males ; for fuch a difference there certainly is, much in 
favour of females, as will appear from the following fafts. 
At Northampton, though more males are born than fe¬ 
males, and nearly the fame number die; yet the number 
of living females appeared, by an account taken in 1746, 
be greater than the number of males in the proportion 
of 2301 to 1770, or 39 to 30. In the parifli of Holy Crofs, 
Salop, in the year 1760, the number of females turned of 
80 was 13, of males 2. In the year 1770, thefe numbers 
were n and 6 refpedlively; and for 20 years, from 1760 
to 1780, eleven out of 966 had died above 90 in this pa¬ 
rifli, and they were all females. At Berlin it appeared, 
from an accurate account which was taken of the inhabi¬ 
tants in 1747, that the number of female citizens exceeded 
the number of male citizens in the proportion of 459 to 
391 ; and yet, out of this fmaller number of males, more 
had died for 20 years preceding 1751, in the proportion 
of 19 to 17. At Edinburgh, in 1743, the number of fe¬ 
males was to the number of males, as 4 to 35 but the 
females that died annually from 1749 to I 75 8 > were to the 
males in no higher proportion than as 3^ to 3. 
Whoever will take the pains to examine the accounts 
in Phil. Tranf. abr. vol. vii. part iv. p. 46, &c. will find, 
that though, in the towns there enumerated, the proportion 
of males and females born is no higher than 19 to 18, yet 
the proportion of boys and girls that die is 8 to 7 ; and 
that, in particular, the lliil-born and chryfom males are 
to the flill-born and chryfom females as 3 to 2. In thirty- 
nine pariflies of the dill rift of Vaud in Swifferland, the 
number of males that died during ten years before 1766, 
was 8170; of females 81675 of whom the number that 
died under one year of age was 1817 males, and 1305 fe¬ 
males ; and under ten years of age 3099 males, and 2598 
females. In the beginning of life, therefore, and before 
any emigrations can take place, the rate of mortality among 
males appears to be greater than among females. And 
tliis is rendered yet more certain by the following ac¬ 
counts. At Vevey, in the diftrict of Vaud, juft mention¬ 
ed, there died in the courfe of twenty years, ended at 1764, 
in the firft month after birth, of males 135 to 89 females j 
and in the firft year 225 to 162. To the fame effect it ap¬ 
pears from a table given by Sufmilcb, in his Gottliche 
Ordnung, vol. ii. p. 317, that in Berlin 203 males die in 
the firft month, and but 168 females ; and in the firft year 
489 males, and but 395 females. And it alfo appears from 
a table of Struyck’s, that in Holland 396 males die in the 
firft year to 306 females. Thus, as the greater mortality 
of males takes place among children, as well as among 
males at all ages, the faft cannot be accounted for merely 
by their being more fubjeffi to untimely deaths by various 
accidents, and by their being addifted to the excefles and 
irregularities which fhorten life. Mr. Kerffeboom informs 
us, that, during the courfe of 125 years in Holland, fe¬ 
males have, in all accidents of age, lived about three or 
four years longer than the fame number of males. In fe- 
veral towns of Germany, &c. it appears that, of 7270 mar¬ 
ried perfons who had died, the proportion of married men 
who died to the married women was as 3 to 2; and in Bref- 
law, for eight years, as 5 to 3. In all Pomerania, during 
nine years, from 1748 to 1756, this proportion was nearly 
as 15 to 11. Among the miniftersand profeffors in Scot¬ 
land, twenty married men die to twelve married women, 
at a medium of twenty-f'even years, or in the proportion 
of 5 to 3; fo that there is the chance of 3 to 2, and in 
fome circumftances even a greater chance, that the woman 
ffiall be the furvivor of a marriage, and not a man ; and 
this difference cannot be accounted for merely by the dif¬ 
ference of age between men and their wives, without ad¬ 
mitting 
