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Published online by Cambridge University Press: 18 August 2016
In looking over the rules of a few insurance societies, I could not avoid observing the want of unanimity which prevailed with respect to the manner in which they deal with suicides whose lives have been insured. This induced me to take up the subject, and obtain all the information I could from the different offices in England and Scotland. My information is gained from eighty-one out of ninety-two offices, and from the actuaries or secretaries of several of these I have received valuable assistance and useful facts. The ways are so various in which the different companies treat this subject, that it is not easy to classify them briefly. The general rule is, that a life policy is forfeited by suicide, whether the assured has been of unsound mind or not; and the following rule occurs so frequently, that it may be quoted to represent a very large proportion, which I cannot accurately ascertain, of all the insurance companies.