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actuary additional adverse selection agents amount of insurance annual annuity application assets average banks basis beneficiary C.S.O. Table calculation Canada cash value cent clause company's contract cost of insurance coverage death claims decreasing deduction disability dividends earnings effect employees endowment policies eral excess expense extra premium face amount fact factor federal funds group policy guaranteed higher home office income benefits increase insurance companies insurance department Insurance Guaranty Fund insurance in force insurance laws less level-premium liability life-insurance business life-insurance companies life-insurance policies limit loss ment mium mortality rates mortality table mortgage loans mutual companies necessary nonforfeiture operation option paid panies payment period policies issued policyholders practical premium rates purchase rate of interest rates of mortality reduced reinsurance result rience risk securities specified standard statement stock companies substantial surance surplus term insurance termination of employment tion types United usually