USE AND CONSTRUCTION OF TABLES. 
XXIX 
Table XIX. is similar to Table VII. 
Table XXL is similar to Table VIII. 
Table XXII. is similar to Table IX. 
Table XXIII. is similar to Table VIII. 
Table XXIV. is constructed from the Carlisle in a similar manner to 
Table V. from the Northampton. 
Table XXVI. is formed from Table XL. in the following manner :— 
to the number in column D at the ages of A and B add the number in 
column N at ages one year younger than A, and the age of B; from the 
sum subtract the number in column N at the age of A and one year 
younger than A, and divide the difference by double the number in 
column D, at the age of A and B. 
Example. To find the probability of a life aged 10, dying before 
a life aged 60 : 
To the number at the ages of 10 and 60 in column D, viz., 23533180 
Add the number in column N at ages 9 and 60, viz., . 308095739 
331629519 
From the sum subtract the number in column N, ages 10 
and 59 327354967 
leaves 4274552 
which, divided by 47067560, gives .0908, the required probability. 
Column D in Table XXVII. is found by multiplying the number in 
column D at the older age in Table XI. by the number of living at the 
younger age: thus, to find the number in column D at the ages of 10 
and 15, we multiply 4043.730, the number in column D at age 15, by 
6460, the number living at the age of 15 according to the Carlisle mor 
tality in Table I., which gives 26122497.6, the number in column D 
at the ages of 10 and 15, under difference of age 5 years. 
Column N is formed from column D in precisely the same manner 
as in Table VI. 
Tables XXVIII. to XXXIII. are formed in a similar manner. 
Tables XXXVI. to XXXVIII. show the single and annual pre 
miums for different assurances on two lives, the construction being 
somewhat too intricate to be explained here. 
Table XXXIX. shows the value of a policy of £100 according to 
the Northampton rate of mortality after it has been in force any num 
ber of years, the original premium being assumed to have been charged 
according to the same table of mortality and rate of interest; it is 
constructed in the following manner: divide the value of the annuity 
increased by unity at the age when the policy is valued by the value of 
the annuity increased by unity at the age when the assurance was 
effected, subtract the quotient from unity, and multiply by 100. Or, 
To the annual premium for assuring £1 at the age when the policy 
was taken out, add .029126, and add the same quantity to the annual