Feb. 16.]

THE NEW ZEALAND GAZETTE.

229

further that such paid-up policy, when due, shall
be subject to all the terms, conditions, and liabilities
of the original policy.
(e.) The sum assured under any policy will be paid
in case of the death of the person whose life is insured
during the aforesaid periods of grace, notwithstanding
the non-payment of the premium ; but the amount
of premium remaining unpaid, with a fine or interest
as aforesaid, shall be deducted from the sum assured
before payment.
(f.) Policies shall become void if the person whose
life is insured shall die by suicide, whether sane or
insane, within twelve months from the date of the
policy.
(g.) Policies (provided the age of the person whose
life is insured shall have been admitted by the Com-
missioner) shall be exempt from forfeiture in all cases
except fraud or fraudulent misrepresentation of facts,
and non-payment of premium.
(h.) On claims being made, reasonable proof of the
time of birth shall be required, unless age shall
already have been admitted by the Commissioner.
(i.) On the death of the person whose life is in-
sured, notice in writing of such death shall be imme-
diately given to the Commissioner.
(j.) Payment of the sum assured shall not be due
until the expiration of one calendar month after the
time when the proofs of identity and death of the person
whose life is insured shall have been supplied to the
satisfaction of the Commissioner, and until the policy,
duly discharged, shall have been delivered to the
Commissioner or other duly appointed officer ; but it
shall be competent for the Commissioner, if he
think fit, to pay the said sum at any time after such
proofs shall have been supplied to him.

Commissioner may insert other conditions in policies.

16. In addition to the terms and conditions upon the
    performance or happening of which any policy issued
    under the said Act or under these regulations is to
    become void or is 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
    performance 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.

Annuity instalment.
17. In every case before payment of any instalment
of an annuity the annuitant shall furnish such proofs
of identity and survival as the Commissioner shall re-
quire.

Deferred annuity or endowment claim.
18. Before any moneys payable in respect of any
deferred annuity or endowment will be paid under
any policy in that behalf the Commissioner may
require satisfactory evidence of the age, identity, and
survival of the person on whose life the policy shall
have been effected.

Proof of age.
19. In every case where the age of the person
whose life is 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 ex-
tract from the register or other official record
of the birth ; or
(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 person stating with particularity
the belief of the person declaring, affirming,
or swearing as to the age of the person whose

life is 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.
20. Death may be proved by the 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 ex-
tract from the register or other official record
of the death or burial ; or
(c.) A declaration, affirmation, or affidavit stating
the time, 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 such
form and manner that the person making it
would, under the law of the place where it is
made (if there be any such law), be criminally
responsible if any statement therein be false
to his knowledge.

Proof of identity.
21. The identity of the deceased with the person
whose life is insured shall be proved by declaration,
affirmation, or affidavit made in the manner herein
prescribed with regard to declarations, affirmations, or
affidavits as to proof of death, and stating the know-
ledge or belief of the person making the same as to
the identity of the deceased, and giving with particu-
larity the grounds of such knowledge or belief.

Other proofs may be received.
22. The Commissioner may accept, and shall be
entitled to demand, proofs of age and of 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.
23. When a claim is made under a policy which has
been assigned prior to the passing of the said Act, 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 docu-
ments ; and on payment of the claim under the
policy such original deeds or documents will be re-
turned 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.
24. 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. All
proofs shall be made at the expense of the person
tendering the same.

Policy may be surrendered after certain duration.
25. Any life-insurance policy on which the pre-
miums are payable during the whole of life may be
surrendered after it has existed for two years. Any
life-insurance policy on which the premiums are pay-
able by a limited number of payments, or any endow-
ment-insurance policy, may be surrendered after one
year's duration. The Commissioner shall, on appli-
cation, pay to the person entitled to make such
surrender the then surrender value, or, at the option