[M] The standard here used is the American Experience Table, which is

largely an artificial table upon which premiums are based, but which
provides for a much higher mortality than the average companies sustain
[M] The standard here used is the American Experience Table, which is
largely an artificial table upon which premiums are based, but which
provides for a much higher mortality than the average companies sustain.
For example, the actual mortality of the New England Mutual in 1913 was
57 per cent. of the expected.


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