By the following table may be seen the customary short rates of insurance for periods less than a year or month.

Explanation. - When the rate is one per cent., or \$1 on \$100 for a year, the rate for one month is 4-20 of the annual rate, or 20 cents. (See Table.) For six months it would be 14-20, or 70 cents. (See following table, which, by a little study, will be readily understood.)

### For Periods Of Several Years

 I YEAR. 2 YEARS. 3 YEARS. 4 YEARS. 5 YEARS. Charge this Proportion of whole Premium. 1 mo. 2 mo. 3 mo. 4 mo. 5 mo. 4/20 or 20 per cent. 2 ,, 4 ,, 6 ,, 8 ,, 10 ,, 6/20 ,, 30 ,, ,, 3 ,, 6 ,, 9 ,, 12 ,, 15 ,, 8/20 ,, 40 ,, ,, 4 ,, 8 ,, 12 ,, 16 ,, 20 ,, 10/20 ,, 50 ,, ,, 5 ,, 10 ,, 15 ,, 20 ,, 25 ,, 12/20 ,, 60 ,, ,, 6 ,, 12 ,, 18 ,, 24 ,, 30 ,, 14/20 ,, 70 ,, ,, 7 ,, 14 ,, 21 ,, 28 ,, 35 ,, 15/20 ,, 75 ,, ,, 8 ,, 16 ,, 24 ,, 32 ,, 40 ,, 16/20 ,, 80 ,, ,, 9 ,, 18 ,, 27 ,, 36 ,, 45 ,, 17/20 ,, 85 ,, ,, 10 ,, 20 ,, 30 ,, 40 ,, 50 ,, 18/20 ,, 90 ,, ,, 11 ,, 22 ,, 33 ,, 44 ,, 55 ,, 19/20 ,, 95 ,, ,,

### For Periods Less Than One Year

 1 month, 4/20 of annual rate 2 ,, 6/20 ,, ,, 3 ,, 8/20 ,, ,, 4 ,, 10/20 ,, ,, 5 ,, 12/20 ,, ,, 6 ,, 14/20 ,, ,,
 7 mo's, 15/20 of annual rate. 8 ,, 16/20 ,, ,, 9 ,, 17/20 ,, ,, 10 ,, 18/20 ,, ,, 11 ,, 19/20 ,, ,,

### For Periods Less Than One Month

 5 days, 35/100 monthly rate 10 " 50/100 ,, ,,
 15 days, 65/100 of monthly rate 20 " 80/100 ,, ,,