An Introduction to the History of Life Assurance

Cover An Introduction to the History of Life Assurance
An Introduction to the History of Life Assurance
Jack, Alexander Fingland, 1883-
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Digitized byVjOOQlC RENTS OR ANNUITIES 167 credit' Such annuities, /.^., which did not " issue out of land," were known in the thirteenth century. They were said to "issue out of" the grantor's "chamber," the place where he kept what treasure he had. In actual fact, of course, they depended on the grantor's honesty and solvency.2 Throughout the whole of the Middle Ages, though probably not so much in this country as in Germany,3 this contract,4 the acquisition by purchase of a certain yearly re
...nt, an ** annuity," was in prominent use.5 Sometimes it was a rent in perpetuity, unaffected, therefore, by the death of either party but passing down through their heirs (census perpetuus) ; sometimes it was for a period only {census temporalis)^ limited either by a definite number of years {census certus), or by the death of the receiver of the rent (census incertus)fi It bears a close resemblance to the interest loan,7 with which, however, it must not be confused.
The one was sanctioned while the other was pro- hibited, which point brings us to the question of the relationship of these annuities to the doctrine of usury.


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