The Pamphlet Collection of Sir Robert Stout: Volume 78
[explanation]
This is a form of policy which combines a good investment for the policyholder himself with protection for his family.
If death should happen at any time during the currency of the policy, the full policy-money, with bonuses, is paid to the representatives of the policyholder. If, however the policyholder lives to the end of the term he draws the money htmself
If after a number of years he, for any reason, desires to cease paying premiums, there will be granted to him, on application, a reduced policy for a sura exactly proportioned to the payments already made, which policy will be free from further payments, will retain bonuses already allotted, and will share in future profits.