6.-TABLE OF MORTALITY, TO BE USED IN ESTIMATING THE PRESENT VALUE OF ANNUITIES, AND OF DOWER AND OTHER LIFE ESTATES. The foregoing computation is according to the Carlisle Table of Mortality. There are several bases and estimates made by different men and at different times, among which the various insurance offices exercise their preference. One, compiled by Dr. Wigglesworth, was adopted by the Supreme Court of Massachusetts more than fifty years since, as a rule in estimating the value of life estates. (See Estabrook vs. Hapgood, 10 Mass., 313.) The "Combined Experience Table" is also used by many persons, but while insurance companies and parties who are in the daily use of them may desire to know with careful accuracy which is most reliable, this 'Carlisle Table" is sufficiently accurate for all the ordinary purposes of business men, and is probably as useful for the purposes of this book as any one which could be selected. Its use in calculating the value of a life estate may be thus exemplified: A widow is entitled to dower in a parcel of real estate of the value of $10,000, or of which the annual rental is $600. The heir desires to buy her right of dower. Let him look under the word "Expectation," opposite the year corresponding with the age of the widow, and he will find the number of years she will probably live. Let him then consider one-third of the annual income of the land, or one-third of the interest of the whole sum for which the land would sell, as an annuity to be paid to the widow during her life. The present value of that annuity will be the sum which in equity he ought to pay her for a release of her right of dower. Thus, if she is 20 years old, it is probable she may live 41 years, and the present value of an annuity of $200 per year for 40 years will be the sum to be paid. Other uses may be made of the table at the convenience of parties who, for any reason, desire to know what is the probable continuance of any existing healthy human life. TABLE OF CASES. A. Abbott vs. Hampden Mut. Ins. Co., 292. Adams vs. Frothingham, 695. Allen vs. Charlestown Mut. Ins. Co., 369, 422. Allen vs. Scott, 695. Ames vs. New York Union Ins. Co., 387, 478 Amesbury vs. Bowditch Mut. Fire Ins. Co., 476. American Bank vs. Baker, 655. American Print Works vs. Lawrence, 793. Ammidown vs. Ball, 696. Amoskeag Manufacturing Co. vs. Spear, 889. Andrews vs. Union Mut. Ins. Co., 333. Appleton Mut. Fire Ins. Co. vs. Jesser, 508. Ashby vs. Eastern Railroad Co., 695. Atlantic Mut. Fire Ins. Co. vs. Young, 505. Atlantic Mut. Fire Ins. Co. vs. Fitzpatrick, 508. Atlantic Ins. Co. vs Saunders, 508. Atwill vs. Ferrett, 883. Audubon v8. Excelsior Ins. Co., 436. Augusta Ins Co. es. French, 508. Aveson vs Kinniard, 543, 556. Ayers vs. Hartford Fire Ins. Co., 360, 411, 447, 468. B. Babcock vs. Montgomery Mut. Ins. Co., Bagster vs. Portsmouth, 574. Baltimore Fire Ins. Co. vs. McGowan, 435. Bangs vs. Hull, 653. Bangs vs. Duckingfield, 508. Baptist Church vs. Brooklyn Fire Ins. Co., 322. Barre Boot Co. vs. Milford Mut. Fire Ins. Co., 362. Bartlett vs. Union Mut. Fire Ins. Co., 445, 446. Bartlett vs. Greenleaf, 770, 776. Barnes vs. Union Mut. Fire Ins. Co., 446. Barrett vs Union Mut. Fire Ins. Co., 470. Barney vs. Griffin, 616. Barnard vs. Bartholomew, 655. Barrow vs. Richards, 700. Battles vs. New York Co. Mut. Fire Ins. Co., 361. Baxendale vs. Harvey, 367. Baxter vs. Massasoit Ins. Co., 436. Bayard vs. Shunk, 259. Bay State Mut. Fire Ins. Co. vs. Sawyer, 508. Beals vs. Home Ins. Co., 345. Beebe vs. Hartford Mut. Ins. Co., 371 373. Belknap vs. Gleason, 655, 659. Bemis vs. Conn. Mut. Life Ins. Co., 533. Bennett vs. Briggs, 236. Benedict vs. Ocean Ins. Co., 367, 429. Benedict vs. Hart, 775. Bibend vs. Liverpool and London Fire Ins. Co., 416. Bigler vs. New York Central Ins. Co., 352, 380. Bigelow vs. Collamor, 772. Bilbrough vs. Metropolitan Ins. Co., 364. 333. Billings vs. Tolland Co. Mut. Ins. Co, 403. Binns vs. Woodruff, 880, 883. Blake vs. Exchange Mut. Ins. Co., 362, 381, 439, 440, 450. Blakely vs. Phoenix Ins. Co., 451. Blanchard vs. Atlantic Mut. Fire Ins. Co., 470, 585. Blanchard vs. Burrell, 627. Blood vs. Howard Fire Ins. Co., 392. Bloss vs. Bloomer, 889. Bochen vs. Williamsburg City Ins. Co., 321. Bodle vs. Chenango Co. Mut. Ins. Co., 413, 469. Boggs vs. American Ins. Co., 373. Bogell vs. Peoples' Mut. Fire Ins. Co., 429. Bonner vs. Home Ins. Co., 460. Borden vs. Hingham Mut. Ins. Co., 327, 497, 498. Borradaile vs. Hunter, 562, 572, 573. Boston Water Power Co. vs. Gray, 606. Bouton vs. American Mut. Life Ins. Co., 321. Bowman vs. Pacific Ins. Co., 430. Brady vs. Northwestern Ins. Co., 342, 433. Braynard vs. Marshall, 627. Brainard vs. B. & N. Y. Cent. Railroad Co., 692. Braman vs. Downe, 698. Brewer vs. Chelsea Mut. Fire Ins. Co., 323. Breastead vs. Farmers' Loan and Trust Co., 563, 573. Brewer vs. Worthington, 698. Brichta vs. La Fayette Ins. Co., 414, 468. Brown vs. Maryland, 236. Brown vs. Royal Ins. Co., 342. Brown vs. Bridges, 653. Brown vs. Thissell, 696. Brown vs. Brown, 861. Brough vs. Whitmore, 482. Brookman vs. Metcalf, 503. Brooks vs. Jones, 686. Buckley vs. Garrett. 411. Buchanan vs. Ocean Ins. Co., 528. - Buffalo Steam Engine Works vs. Sun Mut Ins. Co., 293. Buffe vs. Turner, 371. Bullard vs. Goffe, 686. Bumstead vs. Dividend Mut. Ins. Co., 453. Burritt vs. Saratoga Co. Mut. Ins. Co., 361. Burroughs vs. State Mut. Life Ins. Co., 577. Burroughs vs. State Ass. Co., 581, 585. C. Cady vs. Shepard, 749. Campbell vs. Charter Oak F. and M. Ins. Co., 362, 451. Campbell vs. Adams, 497. Carpenter vs. Providence Washington Ins. Carter vs. Conn. Mut. Life Ins. Co., 561. Carroll vs. Boston Marine Ins. Co., 413. Cazenova vs. British &c. Ass. Co., 561. Chandler vs. Worcester Mut. Fire Ins. Co., 442. Chapman vs. Steadman, 693. Cholmondeley vs. Clinton, 302. Church in Brattle Square es. Grant, 676. Clark vs. Manufacturers Ins. Co., 363. Clark vs. Houghton, 749. Clary vs. Protection Ins. Co., 852. Clendening vs. Church, 528. Cleft vs. Schwabe, 563, 573. Clementson vs. Williams, 650. Cleveland vs. Hallet, 699. Cluff vs. Mut. Benefit Life Ins. Co., 575. Cobb vs. Mussey, 839. Cockerill vs. Mut. Ins. Co., 407. Codman vs. Edmons, 692. Codman vs. Evans, 692, 693. Coggs vs. Bernard, 189. Cohen vs. Virginia, 235. Davis vs. Herring, 655. Columbian Ins. Co. vs. Lawrence, 290, 367, 420, 456, 373, 413, 442, 454, 458. Columbia Ins. Co. vs. Cooper, 360. Coles vs. Iowa State Mut. Life Ins. Co., 390, 501. Collins vs. Charlestown Mut Fire Ins. Co., 424. Coldspring vs. Tolland, 693. Commonwealth Ins. Co vs. Monninger, 360. Commonwealth vs. Roxbury, 693. Commercial Bank vs. Cunningham, 747. Comins vs. Newton, 749. Commonwealth vs. Drew, 869. Commonwealth vs. Mehetable Mash, 870. Commonwealth vs. York, 870. Connot vs. Elliott, 235. Conway vs. Taylor, 235. Conover vs. Mut. Ins. Co., 409, 418, 469. Conn. Mut. Life Ins Co. vs. Burroughs, 577, 585. Converse vs. Converse, 853. Cooley vs. Wardens, 236. Cook vs Black, 582. Cornell vs. Leroy, 443, 452, 455. Cornell vs. Milwaukee Mut. Fire Ins. Co., 447. Cray vs. Hartford Fire Ins. Co., 472. Cramer vs. Cook, 772. Crosby vs. Franklin Ins. Co., 352. Crocker vs. Peoples' Mut. Fire Ins. Co., 366. Cromwell vs. Brooklyn Fire Ins. Co., 415. Curry vs. Commonwealth Ins. Co., 370, 421. Currier vs. Barker, 776. Currier vs. Purley, 776. Cushing vs. Newburyport, 236. Cutts vs. Gilbert, 860. D. Dadman Mfg Co. vs. Worcester Fire Ins. Co., 409. Dalby vs. The India and London Life Ass. Co., 526, 532, 535, 536. Dana vs. Middlesex Bank, 695. Davis vs. Quincy Mut. Fire Ins. Co., 294, 420. Denn vs. Wright, 693. Dephaba vs. Ludlow, 528, 529. Desilver vs. State Mut. Ins. Co., 450. Dickenson vs. Winchester, 199. Dietz vs. Mound City Mut. Fire Ins. Co., 383. Dinsmore vs. Bradley, 627. Dinsmore vs. Dinsmore, 656. Dix vs. Mercantile Ins. Co., 411. Doaston vs. Payne, 693. Dobson vs. Lotheby, 367, 426. Dodge Co. Mut. Ins. Co. vs. Rogers, 398. Donnison vs. Thomaston Mut. Ins. Co., 371. Donalson vs. Manchester Mut. Ins. Co., 378. Donnelley vs. Corbett, 627. Dow vs. Platner, 615 Drinkwater vs. London Ass. Co., 348. Dufaur vs. Professional Life Ass. Co., 563, 573. Dunham vs. Lamphier, 236. Dunham vs. Waterman, 616. Duncan vs. Sun Fire Ins. Co., 430. Dupin vs. Mut. Ins. Co., 350. Durar vs. Hudson Co. Mut. Ins. Co., 505. Dyer vs. Sanford, 698. E. Eadie vs. Slimmon, 575, 578, 585. Elliott vs. Hamilton Mut, Ins. Co., 361. Elliott vs. Stone, 770, 776. Emery vs. Kempton, 829. Emerson vs. Davies, 881, 887. Emmott vs. Slater Mut. Fire Ins. Co., 432. Emmett vs. Reed, 507. Everett vs. Desborough, 543. F. Fabyn vs. Union Mut. Fire Ins. Co., 431. Fales vs. Conway Mut. Fire Ins. Co., 425. |