THE NEW ZEALAND GAZETTE. 561

will be deducted from the sum payable to the
Assured.
(7.) The Commissioner is in certain cases
allowed, even on default of payment, to revive
a contract.

(8.) Any contract open to surrender may be
exchanged for any other contract within the
provisions of the Acts, on reasonable terms.

(9.) Payments are made immediately on proof of
death and compliance with the regulations in
relation thereto.

(10.) Proposers will not be required to pay any
fee for medical examination, or to pay the
cost of any inquiry which the Commissioner
may think fit to make with regard to their
health, habits, age, and occupation, or to
pay any fee for the issue of any contracts
which may be made in accordance with their
proposals, or to pay any postage for the
transmission of their proposals, or for the
transmission of any correspondence arising
out of such proposals between them and the
Commissioner, except as specially provided in
clause 10 of Regulations.

Certain restrictions are imposed by the Acts upon
dealings with policies.

By section 21 of the Act of 1869 no Annuity pur-
chased under the Act can be assigned, except in case
of bankruptcy, in which case the said Commissioner
is directed to repurchase at a tabulated value.

By section 15 it is declared that the Commissioner
is not to be affected with notice of any trust affecting
any annuity, or any contract for payment on death
or otherwise, made under the Act.

Section 25 of the Act of 1869 expressly renders
void contracts, and directs all payments made to the
Government thereunder to be forfeited, on the follow-
ing grounds :-

If any certificate or declaration shall be pro-
duced to any Officer employed in the adminis-
tration of this Act which shall contain any
untrue statement of the age of any person to
whom an Annuity has been granted under
this Act, or of any person who has contracted
for a sum payable at death with intent to
obtain an Annuity on the continuance of the
life of any person under the age of ten years,
or to obtain any higher rate or amount of
Annuity or any Payment on Death greater
than would or might be allowed under the
provisions of this Act, according to the true
age of such person.

Provision is made for the settlement of disputes
by arbitration.

Power is given to the Governor in Council to make
Regulations for the following purposes:--

(1.) For fixing maximum and minimum limits
for the amounts of the several Annuities and
Payments on Death and other payments to be
contracted for under this Act.

(2.) For regulating the mode and form of making
contracts under this Act, and for requiring
medical certificates, either in every case or
where demanded, and for providing that the
rates of premiums to be paid for Annui-
ties and Payments on Death shall be made
to depend upon the goodness of the lives
of applicants or others, and upon the inser-
tion in or omission from any such con-
tract of stipulations as to residence in the
Colony or in particular places, and as to
hazardous or unhealthy trades, employments,
and occupations, and for requiring the pay-
ment of extra premiums or other moneys in
cases where payments are to be contracted
to be paid on death where the lives of the
person or persons upon the deaths of whom
such payments are to be paid are deemed bad,
and, generally, for the payment of extra
premiums or fines in cases of contingencies
which may be declared by such regulations to
be special risks.

(3.) For prescribing the mode of proving the
age and identity and the existence or death
of persons, and the mode of paying sums
money payable in respect of Annuities and
Payments on Death and other payments under
this Act, and for dispensing with the produc-
tion of probate of a will or letters of adminis-
tration either generally or in any particular
class of cases.

(4.) For the management of the accounts re-
quired to be kept under this Act.

(5.) For prescribing beforehand the terms upon
which premiums paid under contracts for pay-
ments to be made at death or otherwise shall
be returned to any person beneficially inter-
ested in the contract, and for determining
beforehand the cases or classes of cases in
which no premium shall be returned.

(6.) For any purpose for which it may be
necessary or expedient to make any rules or
regulations for carrying this Act into effect.

(7.) For imposing penalties not exceeding
twenty pounds for breach of such regulations.

Provided that no such rules or regulations be incon-
sistent with or repugnant to this Act; and all such
rules and regulations are to be published in the New
Zealand Gazette, and to take effect from the day of
such publication, or from such other day as shall be
therein fixed.

Plain Directions for effecting Insurances and other
Contracts under the before-mentioned Acts and
Regulations.

Certain post offices, the names of which may be
obtained at any post office, have been opened for the
receipt of proposals for the Insurance of Lives and
the purchase of Annuities; and forms of proposal,
with full instructions for filling up and delivering the
forms, may be obtained at these post offices.

Tables of the various premiums to be charged may
be seen and procured at the post offices which have
been opened for the receipt of proposals, or they will
be sent post free on written application. The
following pages contain the principal tables, exclusive
of the Deferred Annuities.

Any person desirous of effecting an Insurance or
Endowment, or of purchasing an Immediate or De-
ferred Annuity, may apply to the nearest office for
information.

The officer in charge of the office will furnish the
applicant with a form or forms applicable to the
particular transaction contemplated.

The applicant is advised, in each case, to produce
as soon as possible to the officer such evidence of his
age or of the age of the person upon whose life the
contract is to depend, as may be in his possession;
and in case the same is insufficient for the purpose
of the proposed transaction, the officer will inform
him in what respect it is defective.

The regulations specially bearing upon this matter
are numbered 46 and 48.

As the contract is declared to be void in case of
any mis-statement on this point, it is essential that
persons proposing transactions should be especially
careful in regard to it.

Since the Registration Acts under which Births,
Deaths, and Marriages are registered have been in
operation, the best evidence on the subject will be
an examined, certified, or office copy of, or extract
from, the Register.