The Amicable Society's 1706 rules charged every admitted member the same premium regardless of age, with no individual age-rating

The Amicable Society for a Perpetual Assurance Office's own founding account (1706) describes a single fee schedule applying to "every Subscriber," not a table graded by age: a 5-shilling entrance fee, a £5 joint-stock contribution, and "the 1 l. 11 s. for the first Quarterly Payment." No differentiated rate table appears in the document — every eligible member paid the same entrance fee, joint-stock contribution, and quarterly premium, independent of age within the eligible band (see claim-amicable-society-1706-rules-capped-admission-age-at-55 for the band itself).

That quarterly figure, paid four times a year, totals £6 4s annually (£1 11s × 4). This matches, independently, the flat annual-premium figure given by Tontine Coffee-House, a named-author financial-history blog citing Cornelius Walford's 1885 History of Life Assurance in the United Kingdom and Geoffrey Clark's Betting on Lives (1999): "Each member paid six-pounds four-shillings (£6 4s) in annual premiums for each share they owned in the Society, up to a limit of three per member." The primary gives a quarterly figure and the secondary an annual one — neither cross-references the other's arithmetic — and they land on the same number.

This settles the age-rating half of question-verify-amicable-society-pricing-model-charter, which had flagged the mechanism folded into claim-dodson-built-age-scaled-premiums-founding-equitable-life as unverified against the Society's own charter. It also sharpens the contrast with claim-halley-1693-age-scaled-annuity-prices-britain-kept-flat: Halley had already published age-scaled pricing logic in 1693, thirteen years before the Amicable's 1706 founding, and the Society still chose a flat scheme — the same unused insight, ignored twice, by two different institutions, a decade apart.

Part of moc-early-life-assurance-and-the-age-rating-lag.