are circumstances connected with the proposal which increase
the risk beyond that provided 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.

Infantile Policies limited.

7. No life insurance policy shall be granted on the life of an
   infant except such as would be valid by virtue of the provisions
   of "The Friendly Societies Act, 1882," and if the infant is
   under the age of twelve years the weekly premium shall not
   exceed twopence.

Delivery of Policy.

8. The policy shall be delivered to the assured on the execu-
   tion thereof after payment by him of the first premium due under
   the policy. No policy shall be in force as against the Com-
   missioner until the first premium payable thereunder by or on
   behalf of the assured shall have been actually paid.

Conditions of Industrial Life Insurance Policies.

9. Life insurance policies shall become void—
   If the statements of the proposer, as set forth in the pro-
   posal, 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 twenty-eight 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 Com-
   missioner, of the unimpaired health of the insured, and on
   payment of the premiums then in arrear, together with a
   fine at a rate not exceeding one pound per centum of the
   sum assured:
   If the assured shall effect a policy on the life of the insured
   with the Commissioner, at any time while another policy on
   the life of the insured is in force, unless special permission
   be indorsed on the policy first effected for two or more
   policies to be in force at the same time:
   If any erasure be made in a policy, or any alteration effected,
   except by indorsement made and signed at the head
   office:
   If the insured shall die by suicide, whether sane or insane,
   within twelve months from the date of the policy.
   If the insured shall die within six calendar months from the
   date of the policy, then one-fourth only of the sum assured shall
   be payable; if the insured shall die after six calendar months,
   and within a period of twelve calendar months from the date
   thereof, one-half only of the sum assured shall be payable; and
   if the insured shall die after twelve calendar months from the
   date thereof, the full sum assured shall be payable, provided
   that such payment shall only be made if the policy has not
   become void.

On the death of the insured, notice in writing of such death
shall immediately be given to the Commissioner, and the sum
assured shall not be payable until proofs of age, identity, and
death of the insured shall have been supplied to the satisfaction
of the Commissioner, and until, the policy, together with the
Receipt-book, containing the receipt for the last premium paid,
shall have been delivered to the Commissioner or other officer
duly appointed to receive the same.

If the sum assured shall amount to or exceed one hundred
pounds the claim will not be due until one calendar month
after the proofs mentioned in the last preceding clause shall
have been given to the satisfaction of the Commissioner.

No payments of premium will be recognized by the Com-
missioner as valid or binding, unless made to a duly authorized
Agent, and entered by such Agent in the Premium Receipt
Book. Agents are not authorized to enter into, alter, or dis-
charge contracts, or waive forfeitures, or to receive premiums
beyond the time allowed by the regulations.

The Receipt-books in which are entered the periodical pay-
ments made in respect of the premiums upon any policy shall
at all times, upon the application of the Agent or other
authorized officer, be produced and exhibited to him.

Any policy the sum assured under which amounts to twenty
pounds and is under one hundred pounds may be surrendered
after it has existed for three years. Any life insurance policy
the sum assured by which amounts to or exceeds one
hundred pounds may be surrendered after it has existed for
two years. Any endowment insurance policy the sum assured
by which amounts to or exceeds one hundred pounds may be
surrendered after one year's duration. The Commissioner shall,
on application, pay to the person entitled to the then surrender
value, or, at the option of the person 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.

Within three months after any life insurance policy, amount-
ing to or exceeding twenty pounds, which has existed for three
years, shall have lapsed by non-payment of premiums, the
Commissioner shall, upon application, issue a paid-up policy
(that is, a policy exempted from any future payment of pre-
mium) for an amount equivalent to the surrender value of the
original policy at the date of its lapse: Provided that no paid-
up policy shall be issued for a less sum than two pounds.

Special Conditions affecting Life Insurance Policies on the
Lives of Children under Twelve.

10. A life insurance policy shall become void if the life of the
    child insured under such policy shall be insured for any other
    sum payable at death by the Commissioner, or by any com-
    pany or society, before the said child has attained the age
    of twelve years.

Commissioner may insert other Conditions in Policies.

11. In addition to the terms and conditions upon the perform-
    ance 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 condi-
    tions 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.

12. The age of the insured 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 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.

13. 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,
place, and circumstances of the death, and that no official
record of the death or burial is to be found; such declara-
tion, 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.

14. The identity of the deceased with the insured shall be
    proved by declaration, affirmation, or affidavit made in the man-
    ner herein prescribed with regard to declarations as to proof of
    death, 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 required.

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

Form of Nomination of Person to receive the Sum assured.

16. Every nomination under the 25th section of the said Act,
    to be valid and effective, shall be signed by the assured making
    it; and his signature shall be attested by at least one witness,
    whose residence and calling shall be fully described. Any such
    nomination as above may be at any time revoked; and upon
    every occasion of a nomination being revoked the revocation
    shall be in writing, and signed and witnessed as in the case of
    a nomination being made, and shall be deposited with the Com-
    missioner, and each nomination and revocation shall be regis-
    tered in a book to be provided for that purpose by the Com-
    missioner.

Proof of Claim to be produced.

17. All proofs evidencing the right of any person to receive any
    money under any policy shall be produced to the Commissioner
    without unnecessary delay, or to such person as he shall
    appoint, and shall be made at the expense of the person tender-
    ing the same.

Regulations to apply to Industrial Policies only.

18. These regulations shall apply only to policies issued in
    the Industrial Branch of the Government Insurance Depart-
    ment.