Some Observations on the Life Assurance Clauses of the “Married Women's Property Acts”, 1870 and 1882

1888 ◽  
Vol 27 (1) ◽  
pp. 58-80
Author(s):  
William Hughes

The profession of an Actuary, though mainly concerned with the science of finance as applied to transactions dependent upon the duration of human life, involves the consideration, more or less minute, of many other subjects not immediately connected with scientific analysis and computations. There is a practical side to our profession which has, perhaps, been sometimes in danger of being overlooked, and it has been hinted, if not openly stated, that the Institute too exclusively concerns itself with the mathematical aspect of life assurance to the neglect of other matters which might very properly engage its attention. Among the most obvious of such subjects are those which deal with questions of law, the forms of the contracts between assurants and assurers, and the numerous questions which arise as to their interpretation and execution. Such questions arise daily in our official practice, but have seldom formed the subject of our deliberations as an Institute. The great interest, however, which was excited last session by Mr. C. D. Higham's paper on the Assignment of Life Policies, naturally suggested that papers on other legal questions would be welcomed by the Institute; and it may be incidentally remarked that a subject of a legal character is peculiarly appropriate to the occasion of what is practically our first ordinary meeting in this ancient hall, formerly the seat of one of the Inns of Chancery.

Author(s):  
Samuel Brown

The application of the doctrine of chances to questions connected with the money values of contingencies depending on human life is now become so common, in this and many other countries, that we may he apt to forget its origin and the process by which it arrived at its present degree of improvement. Although the history of this calculus may be well known to some members of this Institute, there may be others whose time is, perhaps, too occupied to allow of more than the mere study of the calculations and formulæ necessary for the daily routine of a Life Assurance Office, and who may not be aware of the number of other subjects to which, at an early period, the calculus of probabilities was suggested to be applied. I hope, therefore, that in taking a rapid glance at the changes and improvements effected since the first crude ideas on the subject, I may not only be able to excite an increased interest in the science, but induce a further extension of its usefulness.


1931 ◽  
Vol 62 (2) ◽  
pp. 276-312
Author(s):  
K. J. Britt

In his Presidential Address delivered in November 1910 Sir Gerald Ryan discussed at some length the policy and practice of amalgamation (J.I.A. Vol. XLV, p. 12), and went on to suggest that a useful purpose would be served if a paper were written by one of our Fellows on the theme of “Assurance Amalgamations.” Papers on the subject are to be found in the early numbers of the Journal, but as the last one dealing solely with amalgamations was written in 1858 it may be of interest to members if the matter is examined again in the light of the happenings in recent years. Other references have appeared in Presidential Addresses and papers of a legal character. Some of these expressed the opinion that the requirements of the Assurance Companies Act, 1870, were unworkable. For many years amalgamations of life offices have been governed by the Assurance Companies Act, 1909 (hereafter referred to as the 1909 Act), but it can scarcely be said that its requirements are easier to comply with than those of the 1870 Act. It is not surprising, therefore, to find that many of the transactions of the nature of amalgamations in recent years have been carried through by other means.


1913 ◽  
Vol 6 ◽  
pp. 263-354
Author(s):  
John A. Rankin

The subject is one which may seem of somewhat minor importance, but, on investigation, it will be found that, even under present-day conditions, it requires careful attention by life assurance offices and by all societies and funds which have liabilities depending upon the duration of human life. As an illustration of its importance it may be mentioned that it is well known that statements of ages made in the past by the public for the purposes of census and death returns contain a considerable number of errors, both intentional and unintentional: and it can readily be understood that life assurance offices would certainly involve themselves in serious loss if they dispensed with satisfactory proof of age. Were they to do so the resulting errors in age would be relatively far in excess of the corresponding errors contained in census returns, owing to the monetary advantages which could be gained by understating the age at the date of effecting a policy of assurance, and to these advantages acting as an incentive to fraud. Accordingly, it is recognised by all life assurance offices—though not always by their assured—that proof of age is a requirement which must be complied with before payment of a claim.


Author(s):  
T. Forster

Among the many curious facts relative to the duration of human life which have resulted from the persevering inquiries of persons interested in Life Assurance Offices, one very essential question appears to me to have been left undecided—namely, whether, and in what degree, a diet of vegetable food alone increases the length of life. The Vegetarian Society of Manchester pretend, not only that pure vegetable diet renders man almost exempt from many of the most fatal complaints to which we are subject, but also, that it has actually prolonged the average duration of human life. To this question I beg leave to call the attention of your readers: I should like to see it fully investigated and developed. My attention has been directed to the effects of different sorts of food on different kinds of constitution for many years past, and the conclusion to which I have come is certainly in the highest degree favourable to the views of the Society alluded to, particularly as respects longevity, to which the pure vegetarian diet seems to be particularly favourable. Now this circumstance, of which I have not the least doubt, brings the question of diet immediately into the category of facts which are the proper objects of inquiry for all Assurance Companies. Having thus ventured to call the attention of these Companies to the subject, I shall take the liberty of submitting the following facts and experiments to the notice of your readers: they are the result of nearly half a hundred years' observation and experience, made in various countries of Europe.


Author(s):  
Peter Gray

It is to a Mr. George Barrett, of whom nothing besides is publicly known, that we are indebted for the principle of the Commutation Tables, and for the method of computing, by means of them, the values of benefits depending on the contingencies of human life. The method was first introduced to public notice, after it had been refused a place in the Transactions of the Royal Society, by Mr. Baily, in an Appendix to the second edition of his Doctrine of Life Annuities, published in 1813. Mr. Griffith Davies, in a work on life contingencies, published in 1825, by certain additions to the tables, and alterations in their structure, according to Professor De Morgan, “increased the utility and extended the power of the method to an extent of which the inventor had not the least idea.” Mr. Barrett's method was also briefly noticed in the Appendix to Mr. Babbage's Treatise on Life Assurance. The method, as improved by Mr. Davies, has since been treated, and a very large collection of tables adapted to it, for both one and two lives, has been given, by Mr. Jones, in his work on annuities, in the Library of Useful Knowledge. But by far the most valuable papers on the subject are two in the Companion to the Almanack, for 1840 and 1842, by Professor De Morgan, which contain the materials of many thousand formulae, applicable to almost every case that can occur. There is also some notice of the method in the article “Reversions,” in the Penny Cyclopædia, which article likewise is the production, we believe, of Professor De Morgan.


Author(s):  
Ирина Александровна Лакина ◽  
Анна Борисовна Назарова

В статье рассматриваются проблемные вопросы, возникающие при организации исполнения уголовного наказания в виде лишения права занимать определенную должность или заниматься определенной деятельностью. Анализируются статистические данные о количестве назначенных судами Российской Федерации наказаний и мер уголовно-правового характера, не связанных с лишением свободы, о количестве осужденных лиц, состоящих и прошедших по учетам уголовно-исполнительных инспекций Российской Федерации. Авторами статьи обосновывается необходимость осуществления первоначальных розыскных мероприятий в отношении изучаемой категории подучетных лиц и, как следствие, внесение соответствующих изменений в действующее законодательство Российской Федерации, в связи с тем что в настоящее время положения указанных нормативно-правовых актов не предполагают проведение первоначальных розыскных мероприятий и объявления в розыск осужденных к уголовному наказанию в виде лишения права занимать определенную должность или заниматься определенной деятельностью. В формате рекомендаций, направленных на повышение эффективности проведения первоначальных розыскных мероприятий, приводятся конкретные предложения, ориентированные на снижение показателя заведенных розыскных дел. Авторами статьи акцентируется внимание на необходимости дальнейшего научного анализа теоретических, практических и концептуальных аспектов, связанных с правоотношениями, возникающими при реализации уголовного наказания в виде лишения права занимать определенную должность или заниматься определенной деятельностью. The article deals with the problematic issues arising in the organization of execution of criminal punishment in the form of deprivation of the right to hold a certain position or engage in certain activities. Statistical data on the number ordered by the courts of the Russian Federation of punishments and measures criminally-legal character are not related to deprivation of freedom, the number of convicted persons which held the records of the penal inspections of the Russian Federation. The authors of the article substantiates the need to implement the initial investigation governmental activities in the study category of the registered individuals, and as a consequence, appropriate changes to the existing by-law of the Russian Federation, in connection with the, that now provisions of the specified normative legal acts do not assume carrying out initial search actions and announcements in search condemned to criminal punishment in the form of deprivation of the right to occupy a certain position or to be engaged in certain activity. In the format of recommendations aimed at improving the effectiveness of the initial search activities, specific proposals aimed at reducing the rate of opened search cases are presented. The authors of the article focus on the need for further scientific analysis of theoretical, practical and conceptual aspects related to legal relations arising in the execution of criminal punishment in the form of deprivation of the right to hold a certain position or engage in a certain activity.


Jurnal KATA ◽  
2018 ◽  
Vol 2 (1) ◽  
pp. 89
Author(s):  
Nanny Sri Lestari

<p>Sebuah peristiwa, dalam kehidupan manusia, dapat menjadi inspirasi bagi penulisan sebuah cerita. Pengarang, sebagai bagian dari masyarakatnya, mengangkat relung-relung kehidupan manusia, ke dalam sebuah cerita. Namun harus dipahami, bahwa pengalaman pengarang dalam kehidupannya sehari-hari, juga mempengaruhi subjek yang ditulisnya. Saat ini tidak dapat dipungkiri lagi, bahwa teknologi komunikasi yang sangat canggih, telah mempengaruhi perkembangan karya sastra. Media penulisan karya sastra, tidak lagi melalui media cetak seperti kertas tetapi sudah melalui peralatan modern yang sesuai jamannya. Namun demikian ragam karya sastra prosa, seperti cerita pendek, justru mampu mengisi ruang media kommunikasi tersebut. Dua orang pengarang, yang menulis cerita pendek di media masa, berusaha mengangkat isu tentang lingkungan. Isu yang diangkat, lebih menekankan kepada masalah lingkungan alam dengan mengangkat isu tentang pohon sebagai bagian dari kehidupan manusia. Tujuan penelitian ini, untuk menelusuri struktur cerita pendek yang mengangkat isu lingkungan dalam jalinan ceritanya. Untuk memenuhi tujuan penelitian, langkah awal dari penelitian ini, adalah melakukan pendekatan struktur cerita, yang kemudian dikaitkan dengan pencarian makna cerita tersebut. Sering sekali di balik sebuah cerita ada pesan yang ingin disampaikan kepada masyarakat pembacanya. Bentuk pesan tersebut tersirat, dalam jalinan struktur cerita pendek tersebut. Pesan yang disampaikan, dalam kedua cerita pendek tersebut,  adalah pesan tentang lingkungan alam, yang  saat ini tidak pernah diperhatikan oleh masyarakat. Dengan alasan, kebutuhan ekonomi yang sangat dominan.</p><p><em>An event, in human life, can be an inspiration for writing a story. The author, as a part of his society, lifts the niches of human life, into a story. But it must be understood, that the author's experience in everyday life, also affects the subject he wrote.</em><em> </em><em>Today it is undeniable, that highly sophisticated communication technology, has influenced the development of literary works. Media writing literature, no longer through print media such as paper but have been through modern equipment that fit his era.</em><em> </em><em>However, the variety of prose literary works, such as short stories, is able to fill the media space communications. Two authors, who write short stories in the mass media, try to raise issues about the environment. Issues raised, more emphasis on the issue of the natural environment by raising the issue, about the tree as part of human life. The purpose of this research, is to trace the structure of short stories, which raised environmental issues in the composition of the story. To fulfill the purpose of research, the first step of this research, is to approach the structure of the story, which is then linked with the search for the meaning of the story. Very often, behind a story, there is a message to be conveyed to the readers. The form of the message is implied, in the composition of the short story structure. The message conveyed, in both short stories, is a message about the natural environment, which today is never noticed by society. The message conveyed, in both short stories, is a message about the natural environment, which today is never noticed by society.</em></p>


2017 ◽  
pp. 527-537
Author(s):  
Aleksandra Ljustina

Migration is one of the oldest and most used strategies for overcoming negative social issues. Despite the fact that it is historically deeply rooted, environmental migration as a social phenomenon has only recently become the subject research of numerous scientific fields. However, the study of current environmental migration is characterized by a number of issues, such as absence of an adequate definition and multi-causality of environmental migration. In this paper, through conceptual framework, author analyzed two main questions: who are environmental migrants and what reasons cause environmental migration. Due to the destruction of the global environmental balance, as well as accumulated environmental disturbances, it is likely that environmental migration will increase in future and there is nowhere you cannot make more use of scientific and professional projection of the future than in demographic and environmental spheres of human life. There is no doubt that our future is unpredictable. However, the environmental factors influencing the pattern of human interaction with the environment must be taken into account when projecting future development of the modern society. Such is the context in which the complex relation among migration, change and the environment has to be studied. In order to establish the basis for controlling environmental migration caused by negative changes in the environment, it is necessary to adopt a consistent strategy instead of ad hoc activities that are being used. In this paper, author analyzed societal response for the challenges caused by environmental migration, specifically regarding actions related to governing environmental migrations.


Author(s):  
Cymie R. Payne

The principle of ‘environmental integrity’ is a fundamental aspect of jus post bellum. Human life, economy, and culture depend on a healthy, functioning environment. However, environmental integrity is a complex concept to describe. Doctrinal thresholds for legally material environmental damage (significant, long-term, widespread) do not capture it. This chapter interrogates the jus post bellum literature and then turns to scholarship on wilderness management in the Anthropocene era, which also engages with the meaning of ‘environmental integrity’, ‘naturalness’, ‘unimpaired’, or, in the words of the Factory at Chorzów case which sets the international law standard for reparations of damage, ‘the situation which would, in all probability, have existed if that act had not been committed’. Recognition that pristine or historical conditions are often impossible to recover or maintain leads to the legal, ethical, and scientific analysis of evolving environmental norms that this chapter offers.


2012 ◽  
Vol 29 (2) ◽  
pp. 1-21
Author(s):  
Syed Zahir Idid ◽  
Abdurezak A. Hashi

Among the basic objectives of the Islamic Shari‘ah is to protect the human life and human intellect ‒ as such, the consumption of mind-altering and intoxicative substances is prohibited in Islam. Furthermore, Islam imposes criminal penalties on those who consume intoxicative substances such as wine. Muslim jurists (fuqahā) have provided descriptive accounts on the foundations of the Islamic antidrug abuse teachings, categories of mind-altering substances, and preventive laws. They also identified three categories of mind-altering substances: al-muskirāt, al-mukhaddirāt, and al-muftiraāt. This paper aims to explore the rationale and jurisprudential foundations of Islamic antidrug abuse education. While highlighting the philosophical background of the Islamic antidrug teachings, the paper presents the jurisprudential foundations of the legal penalties for drug abusers. The Qur’ānic terms and the Prophetic statements related to the subject will be referred to, while the opinions of Muslim jurists and theologians on the subject will be unveiled.


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