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ACCUMULATED OUTLAYS Actuary agent amount of insurance analysis ance annual premium average benefits calculation cash surrender value cash value commissions Committee on Replacement Conn Consumers Union death claims Death Surr DIFFERENCES IN ACCUMULATED disability clause dividends Double Indemnity Elizur Wright End year Beg endowment policy event of death event of surrender face amount favor figures in columns Gilberts graph Hartford Homans Ibid inception age incomplete comparison increase insurance company insurance in force insurance policy interest earnings investment item in column lapse large number level premium license ment misrepresentation mortality Mutual Life Insurance obtained old policy ordinary life policy original policy payable payment percent period policy inception POLICY WRITTEN policyholder premium outlay prohibition Prudential renewable term policy replacing policy savings fund Sec's statutes surance surrender charge term expectancy term insurance termination Travelers Insurance TRAVELERS ORDINARY twisting underwriting West Virginia whole-life York