I may here observe, that the tables of sickness above referred to exhibit the very unsatisfactory footing on which the means of insurance against sickness and mortality within the reach of the labouring classes are now placed. An artisan of the condition of the East India Company’s labourers who insures for an allowance for sickness between the age of 61 and 66 years, which, according to the experience of his own class, would be a period of 10 days, would have to pay for 20 days, or 10 days in excess if he insured on the tables of the experience of benefit societies in Scotland, or 23 days in excess if he insured on tables founded on the experience collected by Mr. Finlaison. On the other hand, were a benefit society composed of members living under depressed circumstances, as in close courts or ill-drained districts, to adopt the table of the experience of the East India Company’s labourers, and to take members, living under the circumstances indicated by the Highland societies or Mr. Finlaison’s tables, the allowance on such a rate of insurance would be fraught with certain and speedy loss of the funds of the contributors. Having received contributions for an allowance on the chances of 10 days’ sickness, they would, upon insurances from the wynds of Edinburgh, have to pay for 40 days. The range of variation in the chances of life in different districts, such as have been shown in the returns from the different towns, exhibiting the mortality amongst the different classes, all present instances of the ruin to which benefit societies are exposed in acting upon tables calculated only for select classes, or on the mean experience of large classes, or of many classes differing widely in their circumstances. The probabilities of life at infancy for the whole population of Liverpool, as deduced from the actual ages of deaths of the whole population, would be 17 years; but on the Northampton tables of probability, payment would be required for the insurance of 25 years at infancy; for 38 years according to the Carlisle table; and if a male, for 37 years, according to the Swedish table. Yet such are the data and their applications on which large masses of savings and property are frequently invested and made dependent in various forms of insurance in benefit societies. The ruin of such societies is, I lament to say, by no means an unfrequent occurrence. The most painful spectacle that is presented in a painful and difficult service is that of a hardworking, industrious labourer, who has lived frugally and saved rigidly, who in his old age is stripped of his savings and reduced to destitution. One such example is enough to destroy the frugality of a whole village, and of all the labourers to whom it is presented. The necessity of a revision of all the tables which govern the subscriptions to friendly societies and the allowances from them, is strongly suggested by the evidence. It is to be lamented