It will no doubt be in the recollection of many of our readers, that some few years ago attempts were made by the Council of the Institute to collect, from the Offices willing to contribute the results of their experience, such information connected with the extra risks undertaken by them as might afford the means of determining, if not exactly, at least with some approach to accuracy, the proper rates of premium to meet them. The Council made application to all the existing Companies; but did not succeed, unfortunately, in obtaining returns from more than fifty-two of them. These fifty-two Companies, however, were at the pains to supply as many as 6,154 cases—each of them of a special nature, as regarded unusual hazard to life arising from residence in foreign climates, or from particular pursuits; but so infinitely varied in their conditions and circumstances were they, that it became immediately obvious that considerable difficulty would arise as to grouping them into classes which should be sufficiently well defined to yield results of a useful and practical character. If, on the one hand, the conditions of the risk were kept within limits sufficiently restricted, the numbers in each class were all but insignificant; and if, on the other, attempts were made to remedy this last inconvenience, the groups comprised risks which were altogether heterogeneous.