In the meantime it was brought to notice in 1909 that, under the existing method of calculating surrender values of Life policies, the values in certain cases were found on calculation to be considerably in excess of the total amount of premia paid on the policies. Taking advantage of this, insurants began to surrender their policies in large numbers. The matter was referred to the Secretary of State. As a result, the Actuary at the India Office forwarded revised tables for the calculation of surrender values of Life policies, to be used until the general revision of the Mortality tables and of the tables of premia, which had been under contemplation, was effected. In 1909 an important concession was sanctioned regarding the payment of premia by insured persons while on leave or suspension or when retiring. It was laid down that an insured person should not be considered as in arrears of premium or subscription for any month so long as he has not drawn any pay, pension or suspension allowance. In 1910, with a view to afford greater facilities to the lower grades of postal servants to insure their lives and to popularize the Fund, sanction was obtained to grant to these officials from the Post Office Guarantee Fund travelling expenses actually incurred by them in their journey for examination by the medical officer for insurance, provided the proposer actually took out a policy and paid the premium for not less than twelve months. In 1912 Mr. Ackland, the Actuary at the India Office, made a thorough investigation into the past experience of the Fund from the statistics furnished to him. He drew up a report showing the results of the investigation and prepared fresh tables of mortality statistics, as well as new tables of premia for both Life Insurance and Endowment Assurance. He also prepared new formulæ for the calculation of paid-up policies, surrender values, etc., and recommended the following further concessions and changes:-- (1) The grant to all policy holders on the 31st March, 1912 (the valuation date), of a bonus at the rate of 2 per cent per annum in the case of Whole Life Assurances, and at 1 per cent in the case of Endowment Assurances in respect of each month's premium paid since 31st March, 1907, up to 31st March, 1912. (2) The grant of an interim bonus at half of the above rates in respect of the premiums paid since 31st March, 1912, in the case of policies which became claims by death or survivance between 1st April, 1912, and 31st March, 1917, provided that premiums have been paid for at least five years and up to date of death or survivance. (3) "Age next birthday" should be taken as the age at entry for all classes of Assurances. (4) An integral number of years' premia should be charged on Endowment Assurance policies and Life policies with limited payments.