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Vol. XI Part III . 

THE 

ASSURANCE MAGAZINE, 

AND 

JOURNAL 

OF THE 

INSTITUTE OF ACTUARIES. 



NO. LIII. 



OCTOBER, 1863. 



LONDON: 
CHARLES AND EDWIN LAYTON, 150, FLEET STREET; 

DEPOT FOR BOOKS ON AS8URANOE— LIFE, FIRE, ft MARINE. 
EDINBURGH: KENNEDY. NEW YORK: H. BAILLIERE, MO, BROADWAY. 
PARIS! J. B. BAILLIERE, LIBRAIEE, RUE HAUTEFEUILLE. 
HAMBURG: PERTHES, BESSER, fc MAUKE. 

PRINTED BY C. & E. LAYTON, ISO, FLEET STREET, 
TO WIIOM ALL OOMHUaiaATIOHS POR IHI IDITOB SHOULD BI BERT, POM PAID. 

Price 2s. 



INSTITUTE OF ACTUARIES. 



Ijrtsibtnt. 

CHARLES JELLICOE. 

9ice-$ttti2unte. 

ARTHUR HUTCHESON BAILEY. | WILLIAM BARWICK HODGE. 

SAMUEL BROWN. I THOMAS BOND SPRAGUE, M.A. 

Snasnter. 

JOHN LAURENCE. 



ftonnnl. 



•ARTHUR HUTCHESON BAILET. 

•WILLIAM FREDERICK BIBKMYBE. 

•SAMUEL BROWN. 

•WILLIAM MEREDITH BROWNE. 

•CHARLES JOHN BUNTON, M.A. 

t EDWARD BUTLER. 

tF. FERGUSON CAMROUX. 

•CHRISTIAN CHILD. 

•DAVID CHISHOLM. 

tCHARLES BUSH CLABON. 

•WILLIAM PALIN CLIREHUGH. 

t FRANK ALLAN CURTIS. 

t PHILIP CURTIS. 

t GEORGE CUTCLIFFE. 

t HENRT DEVEREUX DAVENPORT. 

•ARCHIBALD DAT. 

•THOMAS GOLDIE DICKSON. 

•PERCY MATTHEW DOVE. 

tWILUAM EMMENS. 

tJOHN HARRY EVENS. 

•EDWIN JAMES FARREN. 

•ALEXANDER GLEN FINLAISON. 

t EDWIN HENRY GALSWORTHY. 

•WILLIAM SUTTON GOVER. 

tWILLIAM JOHN HANCOCK. 

tHENRY HARBEN. 

•WILLIAM BARWICK HODGE. 

tWILLIAM MONTGOMERY JAMES. 

•CHARLES JELLICOE. 

•JENKIN JONES. 

•JOHN KING. 

t JOHN EDWARD CAMPBELL KOCH. 

t SAMUEL LINN LAUNDY. 

•JOHN LAURENCE. 

•CHARLES LUCIUS LAWSON. 

t EDWIN LENDON. 

•CHARLES TERRELL LEWIS. 

t WILLIAM THOMAS LINFORD. 



•JEREMIAH LODGE, B.A. 

t ROBERT JOHN LODGE. 

t FRANK M'GEDY. 

t DONALD MACGILLTVRAY. . 

■HENRY MARSHAL. 

•JAMES MEIKLE. 

fJOHN MESSENT. 

•WILLIAM LEWIN NEWMAN. 

•WILLIAM NEWMARCH, F.R.S. 

•WILLIAM POLLARD PATTISON. . 

t ARTHUR PEARSON. 

t JOHN LESLIE PILKINGTON. 

•GEORGE HENRY PINCKARD. 

•HENRY WILLIAM POSTER, B.A. 

t ALEXANDER GILLESPIE RAMSAT. 

•WILLIAM RATRAY. 

•JOHN REDDISH. 

tWILLIAM BRIDGES ROW, B.A. 

•EBENEZER ERSKINE SCOTT. 

•GEORGE SCOTT. 

•PHILIP SCOONES. 

•EDWARD OSBORNE SMITH. 

t FREDERICK GARLE SMITH. 

•HENRY WILLIAM SMITH. 

•COLONEL JOHN THOMAS SMITH. 

•WILLIAM SMITH. 

•WILLIAM SPENa 

•THOMAS BOND SPRAGUE, M.A. 

•GEORGE STEWART. 

tJOHN 8T0TT. 

•JAMES MICHAEL TERRY. 

•ROBERT THOMSON. 

•JOSEPH TODHUNTER. 

•ROBERT TUCKER 

•THOMAS WALKER, B.A. 

•JOHN HILL WILLIAMS 

•W. S. B. WOOLHOUSE. 

•SAMUEL YOUNGER. 



fionorarg Sbtttttmus. 

JOHN REDDISH. | JOHN HILL WILLIAMS. 



JOHN COLES. 



giubitors. 

I 

JAMES TERRY. 



WILLIAM KING. 



Assistant Sttutarg. 

FREDERICK GOVER. 

Cltrk. 

WILLIAM FREDERICK PURDY. 



+ Official Associates. 



[entered at stationers' hall.] 



THE 



ASSUKANCE MAGAZINE, 



AND 



JOURNAL 

OF THE 

INSTITUTE OF ACTUARIES. 



Vol. XI.— Part III 



OCTOBER, 1863. 



LONDON: 
CHARLES & EDWltf LATTON, 150, FLEET STREET. 

EDINBURGH: KENNEDY. NEW YOBKt H. BAILLIEEE, 290, BROADWAY. 

PARIS: J. B. BAILLIERE, LIBRAIRE, RUE HAUTEFEUTLLE. 

HAMBURG: PERTHES, BESSER, & MAUKE. 



[The Council of the Institute of Actuaries of Great Britain and Ireland 
wish it to be understood, that while they consider it their duty to give, from 
time to time, publicity to certain of the papers presented to the Institute, they 
do not hold themselves responsible for the opinions put forward therein.'] 



LONDON : 

PRINTED BY CHARLES AND EDWIN LATTON, 

160, FLEET STBBBT. 



CONTENTS OF NO. LIII. 



PAS! 

On the Equitable Distribution of Surplus. By Sheppard Homans, Esq., Actuary of 
the Mutual Life Insurance Company of New York 121 

A Budget of Paradoxes. By Professor De Morgan .. ... 130 

Note on the Possibility of the Division of the Law of Mortality into Geometrical 

Series. By W. S. B. Woolhouse, F.R.A.S ISO 

On the Influence of Railway Travelling on Public Health. By H. W. Porter, B.A. 152 

Correspondence : — 

Letter from Mr. Peter Gray on the Component Parts of a Terminable Annuity 172 

„ Mr. H. Ambrose Smith on a Table indicating the Annual Premium 

from the Single, and vice vend 176 

„ Mr. H. Ambrose Smith on Mr. Samuel Younger's Plan for Assur- 
ance of Invalid Lives.. 180