752

THE NEW ZEALAND GAZETTE.

Policy may be surrendered after three years' duration.
25. Any life insurance policy which has existed for
three years may be surrendered. The Commissioner
shall on application pay to the person entitled the
then surrender value; or, at the option of the per-
son or persons entitled to make such surrender, shall
grant to such person a paid-up policy (that is, a policy
exempted from any future payments) equivalent to the
then surrender value.

Death of purchaser not to void endowment.
26. In case the person who has contracted for any
endowment shall happen to die before the whole of the
premiums payable under the policy shall have been paid,
and by reason of such death the premiums thereafter
payable shall not be duly paid, the Commissioner shall
grant to or for the benefit of the Insured a paid-up
policy equivalent in value to the surrender value of
such endowment at the date at which the same had
become void by such non-payment of premiums; such
paid-up policy to be payable at the same time as the
original is payable.

Age to be admitted.
27. If the Commissioner shall (either at the time of
the issue of the policy or afterwards, and before the
moneys payable thereunder to the Assured shall become
payable) be satisfied that the age of the Insured has
been correctly stated, he may admit the same, and the
age so admitted shall not subsequently be called in
question.

No medical fee or postage required.
28. Any person proposing to effect a policy under the
provisions of the said Act shall provide, at his own cost,
such evidence of age as shall be required by the Com-
missioner, but shall not be required to pay any fee or
fees for medical examination, or to pay the cost of any
additional inquiry which the Commissioner may think fit
to make with regard to his health, habits, age, and occu-
pation, or to pay any fee or fees for the issue of any
policy which may be made in accordance with his pro-
posal, or to pay any postage for the transmission of any
correspondence arising out of such proposal or policy
between him and the Commissioner, except when the
proposal is for a life insurance policy payable within a
period not exceeding seven years, in which case the
medical examination fee and Agent's fee shall be pre-
paid by the Proposer, and where otherwise provided by
these Regulations.

Commissioner may insert other conditions in policies.
29. In addition to the terms and conditions upon the
performance or happening of which policies issued
under the said Act are under these Regulations to
become void or to be subject to, the Commissioner may
at the time of issuing any policy hereafter granted
under the said Act, cause to be inserted in or indorsed
thereon any other terms and condition or conditions
he may think fit, upon the happening or performing
of which the said policy is to become void or is to be
subject to, and any such policy shall be deemed subject
to such terms and conditions so inserted or indorsed.

Proof of age.
30. In every case where the age of the Insured has
not been admitted by the Commissioner, the age may
be proved by furnishing to the Commissioner either-
(a.) An examined official or certified copy or extract
from the register or other official record of the
birth.
(b.) A declaration, affirmation, or affidavit stating
that no register or other official record of the birth
is to be found; and a declaration, affirmation, or
affidavit, by some person other than the Insured,
stating with particularity the belief of the person
declaring, affirming, or swearing as to the age of

the Insured, and the grounds of such belief. Such
declarations, affirmations, or affidavits must be
made in such form and manner that the persons
making them would, under the law of the place
where they are made (if there be any such law) be
criminally responsible if any statement therein be
false to their knowledge.

Proof of death.
31. Death may be proved by production of the
following evidence :-
(a.) A certificate under the hand of the medical
attendant (if any) of the deceased during his or her
last illness, stating the date, and place, and cause
of death; and
(b.) An examined official or certified copy or extract
from the register or other official record of the
death or burial; or
(c.) A declaration, affirmation, or affidavit stating
the time, and place, and circumstances of the death,
and that no official record of the death or burial
is to be found; such declaration, affirmation, or
affidavit to be made in the manner herein prescribed
with regard to declarations as to age.

Proof of identity.
32. The identity of the deceased and the Insured
shall be proved by declaration, affirmation, or affidavit
made in the manner herein prescribed with regard to
declarations as to age, and stating the knowledge or
belief of the person making the same as to the identity
of the deceased, and giving with particularity the
grounds of such knowledge or belief.

Other proofs may be received.
33. The Commissioner may accept proofs of age and
identity or death other than as aforesaid, which shall
to him appear substantially sufficient for any of the said
purposes.

Procedure where claim is assigned.
34. When a claim is made under a policy which has
been assigned prior to the passing of "The Govern-
ment Insurance and Annuities Act, 1874," if the
deeds relate solely to the policy under which the
claim is made, they will be retained by the Commis-
sioner; but if they relate to other matter, a full abstract
of such parts as relate to the policy must be furnished,
together with the original deeds or documents, and on
payment of the claim under the policy such original
deeds or documents will be returned by the Commissioner
on an undertaking (free of expense to the Commissioner)
being given for their production when required.

Proof of claim to be produced.
35. All powers of attorney, probates, letters of ad-
ministration, exemplifications, or other formal proofs,
orders of Courts, and other instruments evidencing the
right of any person to receive any money under any
policy, shall be produced to the Commissioner, or to
such person as he shall in each case appoint.

At expense of claimant.
36. All proofs shall be made at the expense of the
person tendering the same.

SECOND SCHEDULE.
REGULATIONS RESPECTING GOVERNMENT INDUS-
TRIAL INSURANCE.

Regulations only to apply to Industrial Policies.

1. The Regulations in this Schedule (hereafter
   referred to as "these Regulations") shall apply only to
   Industrial Policies, and the Regulations in the First
   Schedule (hereafter referred to as "ordinary Regula-
   tions") shall not apply to Industrial Policies.