750
THE NEW ZEALAND GAZETTE.

advice and consent as aforesaid, I do, for the purposes
of the said Act and the said Regulations, approve of
the tables in force immediately before the passing of
the said Act, under the Acts repealed thereby, and do
direct the use of such tables as aforesaid, under and for
the purposes of the said Act and Regulations.
FORSTER GORING,
Clerk of the Executive Council.

FIRST SCHEDULE.
REGULATIONS RESPECTING GOVERNMENT
INSURANCES AND ANNUITIES.

Interpretation.

1. In the construction and for the purposes of the
   Regulations in this Schedule, (hereafter referred to as
   "these Regulations,") and in all policies or instruments
   purporting to be made or executed thereunder (if not
   inconsistent with the context and subject-matter), the
   following terms and expressions shall have the meanings
   hereinafter assigned to them, that is to say,-
   The expression "the said Act" means "The Govern-
   ment Insurance and Annuities Act, 1874."
   The expression "the Commissioner," shall mean the
   Government Insurance Commissioner appointed
   and acting under the said Act.
   The term "policy" shall mean the written instrument
   containing any contract whatever dependent upon
   the contingencies of human life.
   The expression "life insurance," when applied to a
   policy, shall mean that such policy is payable either
   upon the death of the Insured, whenever that event
   may occur, or on his death if it happen within a
   specified term, or before attaining a certain age, as
   the case may be.
   The expression "the Insured" shall mean the person
   upon the contingency of whose life the policy is
   dependent.
   The expression "the Assured" shall mean the person
   for whose benefit the insurance is effected.
   The term "premium" shall mean the periodical or
   other payment for any policy, or the purchase
   money for such policy.

Place of business. Commissioner may appoint Agents.
2. The Commissioner shall have an office in the Public
Buildings situated on Thorndon Quay, in the City of
Wellington, or at such other place as the Governor in
Council shall from time to time appoint; and may from
time to time appoint, subject to the approval of the
Governor, persons to receive proposals for insurance of
lives or the grant of endowments or annuities, or for
any other policies authorized by the said Act, and such
appointments may from time to time revoke or alter.

Agent.
3. Every person who may be so appointed is, through-
out these Regulations, termed "the Agent."

Postmasters to be Agents, and to receive and pay moneys.
4. The Postmaster at any Post Office may be ap-
pointed by the Commissioner as an Agent for all or any
one or more of the purposes mentioned in Regulation
No. 2, and to receive and pay moneys under the said
Act.

Duties of Agents.
5. The Agent appointed in any place as aforesaid
may receive proposals for any transaction from time to
time intended to be effected under the said Act, and
shall in respect thereof strictly conform to these Regu-
lations, and shall have no authority to alter or discharge
contracts made under the said Act or these Regulations,
or in any way bind the Commissioner, except as herein
provided.

Form of proposal.
6. Any person desiring to effect any such transaction
(hereinafter called the Proposer), shall make his pro-
posal for the same in the form applicable thereto.

Forms supplied free.
7. Blank forms of proposal shall, on application to
the Agent acting in any place, be supplied to the ap-
plicant free of all charge.

Proposer to sign declaration.
8. The Proposer shall, at the time of delivering the
proposal to the Agent, sign and make the declaration at
the foot thereof in the presence of the Agent.

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

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

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

Report of Medical Officer.
12. In addition to the questions set forth in any such
form, the Medical Officer may put to the person examined
any other questions which he may think necessary, and
may report specially to the Commissioner in reference
thereto.

Proposer to certify to truth of personal statement.
13. The answers given by the person examined to
the questions set forth in the form above referred to,
shall be reduced to writing by the Medical Officer, and
shall be read over to the person examined, and signed
by him, and he shall at the same time make and sign a
declaration of the truth of his statements at the foot of
the form of examination, in the presence of the Medical
Officer.

Papers to be sent direct to Commissioner for his consideration.
14. The Medical Officer's report, and all other papers
connected therewith, shall, so soon as the same have
been duly completed, be transmitted by the Medical
Officer to the Commissioner for consideration, after a
report thereon by a Chief Medical Officer or Board
from time to time to be appointed by the Governor in
Council.

Tables apply to first-class lives only.
15. 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. No life to be charged less than
rate for age twenty.
16. The rate of extra premium for each proposal, if
any, shall in every case be fixed by the Commissioner,
in proportion to the ineligibility of the life proposed,
after consideration of the proposal and papers con-
nected therewith, and of the opinion of the Chief
Medical Officer or Board: Provided that no life pro-
posed for assurance shall be accepted at a less rate than
that fixed for a first-class life, and that persons under
the age of twenty shall be charged at a rate not less
than that fixed for age twenty.