INSURANCE GUIDE AND HAND BOOK.

A GUIDE TO THE PRINCIPLES AND PRACTICE OF LIFE ASSURANCE;

AND

A HAND-BOOK OF THE BEST AUTHORITIES ON THE SCIENCE.

WITH A HISTORY OF THE INTRODUCTION OF THE VARIOUS BRANCHES OF INSURANCE NOW
PRACTISED;-A POPULAR outline of THE LAWS OF MORTALITY ;-OF THE CON-
STRUCTION OF MORTALITY TABLES;-THE FORMATION OF RATES OF PREMIUM,
WITH THE RATES OF ALL THE OFFICES;

THE DERIVATION AND DIVISION
OF INTEREST, SIMPLE AND
VALUE OF POLICIES ;-
OF
PRACTICE.

Together with a Chapter on

LIFE ASSURANCE AS AN INVESTMENT.

BY

CORNELIUS WALFORD,

BARRISTER-AT-LAW, Fellow of thE STATISTICAL SOCIETY OF GREAT BRITAIN, etc., etc.

PRINTED BY CHARLES AND EDWIN LAYTON FLEET STREET, AND GOUGH SQUARE.

PREFACE TO SECOND EDITION.

THE first edition of some thousands has long been out of print, and requests for a second edition have reached me from all parts of the world. Numerous engagements have prevented an earlier response to those requests.

In preparing this edition I have kept as nearly as possible to the former text. At the same time, the Tables and everything that was necessary to be revised has been revised, down to a very recent date. Thus, all the numerous office changes I during the last eight years-the births, marriages, and deaths of the Insurance Offices-will be found duly recorded. The results of Dr. Farr's English Life Table, No. 3, will be found in their proper place. The chapters on Population, etc., in Division II. have not been revised on the last census returns. For the purposes of this work the results of the former census are sufficient.

My present publishers have been as indulgent to me as my former publisher-they have, at considerable pecuniary sacrifice, abstained from seeking advertisements from the Insurance Offices, and from every other step that could in the smallest degree detract from the independent character of the book. It went its own way without fear or favour in its early youth; I desire it to do so now.