556

THE NEW ZEALAND GAZETTE.

Forms supplied free.
9. Forms of proposals shall, on application to
the Agent acting in any place, be supplied to the ap-
plicant free of all charge.

Proposer to sign declaration.
10. The person making any proposal (hereinafter
called the Proposer) shall, at the time of delivering the
same to the Agent, sign and make the declaration at
the head thereof in the presence of the Agent.

Agent to refer Proposer to Medical Officer at his discretion.
11. The Agent to whom any proposal has been
delivered may either forthwith direct that the person
whose life is proposed for insurance shall present him-
self for medical examination by a legally-qualified
medical practitioner approved of by the Governor for
the purpose of such examinations (hereinafter referred
to as the Medical Officer), or, if such agent be not
satisfied as to the eligibility of the life, he shall in the
first instance refer such proposal to the Commissioner.

Medical examination.
12. The Commissioner may in any case direct such
medical examination to be made.

Form of medical examination.
13. The medical examination shall be conducted
according to a form applicable to the special trans-
action.

Report of Medical Officer.
14. The Medical Officer may put to the person
examined any questions which he may think neces-
sary, and may report specially to the Commissioner in
reference thereto.

Papers to be sent direct to Commissioner for his consideration.
15. The proposal and medical report, and all other
papers connected therewith, shall, so soon as the same
have been duly completed, be transmitted to the Com-
missioner for consideration.

Tables apply to first-class lives only.
16. All tables of premiums for sums to be secured
at death or otherwise, shall specify the rate of premium
for first-class lives only.

Commissioner to fix extra rate.
17. If the Commissioner shall, after consideration of
the proposal and papers connected therewith, be of
an opinion that there are circumstances connected with
the proposal which increase the risk beyond that pro-
vided for in the Tables, he shall either increase the
premium or reduce the sum to be assured, according to
the nature of the Table, in such proportion as shall
appear to him to be sufficient to cover the additional
risk.

Notice of acceptance to be given.
18. If the Commissioner shall elect to accept the
proposal, he shall determine the premium payable in
respect of the proposed transaction, and he shall forth-
with cause notice thereof to be given to the Proposer.

Five days allowed for completion of proposal.
19. The Proposer must, within five days after receipt
by him of notice of such acceptance, pay or cause to
be paid the premium payable in respect of the pro-
posed transaction.

Execution and delivery of policy.
20. The policy shall be executed by the Commis-
sioner, and shall be delivered to the Assured on pay-
ment by him of the first premium due under the
policy, at such one of the Agencies appointed for the
purpose, as the Assured shall select.

Receipts for Premiums.
21. A Premium Receipt Book shall be delivered to
the Assured, together with the Policy, in which book
the date and amount of each premium paid by him
shall be entered by the Agent to whom the premiums
are paid, and who shall affix his signature to each such
entry.

Conditions of Policies.
22. Policies shall become void—
If the statements of the Proposer, as set forth
in the proposal, or in the declaration attached
thereto, be wilfully untrue; or if any other paper
or statement furnished by the Proposer, or at his
instance, on the faith of which the policy may
have been issued, shall at any time be found to
contain any wilfully untrue statement; or if
there shall at any time be or have been any
fraudulent concealment from the Commissioner
of any important particular:
If payment of the weekly or other premium be
not made within five days from the date
stipulated in the policy; but such policies may
be revived at any period not exceeding twelve
calendar months after their expiration, on
satisfactory proof being given, if required by the
Commissioner, of the unimpaired health of the
Insured, and on payment of the premiums then
in arrear, together with a fine not exceeding
ten shillings for every hundred pounds of the
sum assured, and so in proportion for every
sum less or greater than one hundred pounds:
If the Insured shall proceed to any part of the
globe within the twenty-fifth parallels of North
and South latitude, except in passing or re-
passing through the same by sea, without
having obtained the written consent of the
Commissioner to visit or reside within the said
parallels of latitude:
If the Insured shall die by suicide, whether sane
or insane, within twelve months from the date
of the policy.
But policies shall not become void by any of the acts
mentioned in the two last preceding paragraphs, so far
as regards the interest therein of any person other
than the Insured, if the Insured shall have done any
such act as aforesaid without the knowledge of such
other person, and if the person or one of the persons
beneficially interested therein shall give notice to the
Commissioner of such act as soon as it comes to his
knowledge, and shall pay the additional premiums
that could have been required for his consent to such
act.

Policies indisputable after five years' duration.
23. Policies shall, upon the expiration of five years
from the date of the policy, and upon the Insured having
attained the age of thirty years, be exempt from for-
feiture in all cases except fraud and non-payment of
premium, unless previously to the expiration of such
five years any misstatement, error, mistake, omission,
or suppression shall be ascertained by the Com-
missioner, and notified in writing to the person in
whose name such policy shall have been granted.

Payment of claim.
24. On the death of the Insured, notice in writing
of such death shall be immediately given to the Com-
missioner, and the sum assured shall not be payable
until proofs of identity and death of the Insured shall
have been supplied to the satisfaction of the Commis-
sioner, and until the policy, together with the last Pre-