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Family Income Policies

  • E. Hampton and W. F. Marples


This type of policy was introduced into British Life Office practice some three years ago and rapidly proved most attractive; so much so that a leading office announced that it obtained over £2,000,000 new Sums Assured under this class of contract within a year of issuing the prospectus. Details of the schemes of no less than forty-six offices are available. On the academic side, the examiners have shown their appreciation of its possibilities by setting questions concerning calculation of premiums, valuation, etc., in the examinations of both the Institute and the Faculty of Actuaries.

Sufficient time has now elapsed since the commencement of this type of business for the problems involved to force themselves into notice. Certain of these problems are dealt with in the following note.



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page 130 note * Note—This point is dealt with also on page 116.—Ed.


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