692,401

21,498.073 68.507 85,327,663
18,561.959 62,801 75,681,189
14.739.764 57,380 67,181,602
14,068,301 53.950 62,400,931
12,752,376 51,206

643,807

OF CANADA, MONTREAL, QUE.*

27,047,007
23.759.739
21,676,949

Commenced Business Mav, 1871.

98,266 141,172,681 91,587 128,160,477 v86,593 v117,591,007 83,401 111,135.694 22,198,349 78,625 102,566,399 23,607,515 74,44I 95.290,895

32,804,997 29.391,462 3.413.535

2,673.370
8,852,938 21,004 37,513,283 135.332 215,465,108
2,602,686 7.597,834 17,358 34.375.933 125.911 198.999,954
1,910,743 6,619,319 16,613 31,482,779 117,436 179,695,073 49,605,616
2,475,067 5,863.595 15,267
1,820,758 4,845.757 14,545
1,582,472 4,413,008 13,439
1,512,226 4.503.309 VI2.922 V19,921,242
1,374,629 3,760.431 15,670 23,779,844
1,299,826 3,275,163 16,291
1,272,116 2,918,194 17.703
1,118,573 2.488,784 17,685
952.599 2,138,819 16,298
825.333 1,888,510 14,228
760.957 1,826,504
14.805
1,536,173 13.130

64,187,656 57.433,863
55.726.347 49.723.361

44.024.534

5 581,082

109,460 162,037,388

43,900,886

38,164,790

33.962,352

4.202,438

57.980.635

10,480.452

9,768,649

711,803

52.806,036

672,355

658,265

1,403,831

21,908 13,428,774 46,853

49.693.405

8,231,439

7,872,041

359,398

635.765

1,390, 109

462,218

428,881

975,045
853,131

24,241
10,224

14,842,907 39,158

9.956,932 26,840

38,196,891

6,388,145

6,322

8.973.157 22,301

34,754,840

5,365,771 € 4,700,476

e 665,295

+ Reserve at 3 per cent on new business since 1902; 31⁄2 per cent prior.

of 3% per cent on new business since 1899; 4 per cent prior.

o On basis t Reserve at 3 per cent

e Reserve at 41⁄2 per cent. All reserves at 3 per cent.

on new business since 1902; 3 per cent prior. v Change made to paid-for basis.

ANCE COMPANY, BERLIN.*

Incorporated 1865.

17,560

88,139 1,125 110,466

48 777
159.388
1.134 8,105,220 3.677
21.273.470 763,898
126,085 185.562 1,219 7,836,218 3.618 19,414.566
19,727 76,231 1.317 7,419.380 3.222 17.149,067
44.151 154.701 1,205 7,358,055 2,832
16.353
6,338,667 2.557 12.752.863

969

5,514,003 2,013

10,654,285

16,328 28,094 1,012

4.541,893 1,560

8.207,718

361,115

59,346

301,769

19.709 31,875

666

3.789.347 1,047

6,068, 192

318,890

17.343 54,081

756

4.244.426

699

268,501

* Entered United States in 1905 for reinsurance only; deposit funds, $250,000. home office.

† Includes remittances to

OFFICERS, DIRECTORS AND TRUSTEES OF LIFE
COMPANIES, AND TERRITORY COVERED.

ETNA LIFE, Hartford, Conn. Officers: Morgan !
G. Bulkeley, president; J. L. English, vice-president; C.
E. Gilbert, secretary; W. H. Newell, assistant secretary;
Frank Bushnell, agency secretary; H. W. St. John, actuary;
M. H. Peiler, associate actuary; E. E. Cammack, assistant
actuary; M. B. Brainard, vice-president and treasurer;
Morgan G. Bulkeley, Jr., assistant treasurer; C. H. Rem-
ingotn, assistant treasurer; W. E. A. Bulkeley, auditor;
E. K. Root, M. D., medical director; P. H. Ingalls, M. D.,
W. E. Dickerman, M. D., E. A. Wells, M. D., associate
medical directors; T. B. Merrill, superintendent of agencies,
Western division; Lewis Sperry, general counsel.

Directors: Morgan G. Bulkeley, W. E. A. Bulkeley,
M. B. Brainard, S. G. Dunham, J. O. Enders, J. L. English,
Lewis Sperry, D. N. Barney, M. G. Bulkeley, Jr.

Operates in Alabama, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming, New Mexico and Canada.

AMERICAN ASSURANCE COMPANY, Philadelphia, Pa. Officers: A. J. Simpson, president; Hon. James Mansel, vice-president; D. T. Richman, secretary; W. A. Sadelmyer, treasurer; Bertram D. Rearick, Esq., counsel; Geo. A. Huggins, actuary; C. H. Harbaugh, M.D., medical director; Edmund W. Frain, manager claim department; J. V. Purcell, manager policy department; A. G. Simpson, assistant to president; W. M. Poindexter, assistant secretary; Alfred B. Hvale, asst. mgr. claim department.

Directors: R. R. Koch, chairman; James Mansel, Geo. M. Mills, P. C. McKinlay, J. Herbert Schall, L. Frank Siegler, A. J. Simpson, G. L. Stearns, E. W. Frain, B. B. Holler.

Operates in Pennsylvania, New Jersey, Ohio, Illinois, Indiana.

AMERICAN BANKERS INSURANCE COMPANY, Chicago, Ill. Officers: Ernest W. Spicer, president; James P. Whedon, secretary and treasurer; Edwin S. Philpot, superintendent monthly Life department; Frank C. Rogers attorney; Harris E. Vineberg, consulting actuary; Duncan R. MacMartin, medical director; Dee A. Stoker, manager accident department.

Directors: James P. Whedon, Frank E. Cheeseman, Frank C. Rogers, Ernest W..Spicer, Duncan R. MacMartin, George H. Breese, Wallace G. Collins, Judge E. W. Wells, A. P. Spencer, W. F. Van Buskirk, J. M. Rumsey, C. W. Butler, Harry L. Sears, Thos. O. Wallace.

Operates in Illinois, Michigan, Iowa, Colorado, North Dakota, South Dakota, Washington, Montana, Wyoming, New Mexico,. Pennsylvania, Missouri, Kansas, Utah, Tennessee, Indiana, Minnesota. Arizona.

AMERICAN CENTRAL LIFE, Indianapolis, Ind. Officers: Herbert M. Woollen, president; Evans Woollen, first vice-president; Edward A. Meyer, second vice-president and comptroller; Frank W. Morrison, third vicepresident; Carroll B. Carr, secretary; George E. Hume, treasurer; Virgil M. Kime, actuary; Greenly V. Woollen, medical director; Russell T. Byers, agency secretary; David A. Coulter, auditor; Woollen, Woollen & Welliver, general counsel.

Directors: David A. Coulter, Herbert M. Woollen, Frank W. Morrison, George E. Hume, Greenly V. Woollen, Carroll B. Carr, Edward A. Meyer, Russell T. Byers, L. C. Huesmann, H. H. Hornbrook, Evans Woollen.

Operates in Indiana, Alabama, Arkansas, Georgia, Illinois, Kansas, Michigan, Missouri. Nebraska, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Washington.

AMERICAN LIFE, Des Moines, Ia. Officers: H. J. Klemme, president; A. D. Hindman, vice-president; C. J. Fulton, vice-president; J. C. Griffith, secretary and agency manager; H. A. Bryan, treasurer and assistant secretary; E. B. Evans, counsel; L. Hezzelwood, general field superintendent; Dr. E. E. Dorr, medical director; Dr. J. M. Emery, consulting actuary; Mills B. Alldredge, cashier.

Directors: Hon. H. J. Klemme, Hon. C. J. Fulton, Hon. E. J. Sidey, Hon. E. P. Barringer, S. W. Narregang, H. A. Baxter, M. E. Latta, R. O. Morden, Mrs. M. H. Brinton, R. F. Graeber, Dean E. B. Evans, Dr. T. F. Kelleher, A. D. Hindman, J. C. Griffith.

Operates in Illinois, Iowa, Kansas, North Dakota, Nebraska, Oklahoma, South Dakota, Montana.

AMERICAN MUTUAL LIFE INSURANCE COMPANY, Carrollton, Ky. Officers, J. F. Jett, president; Noa Gayle, secretary.

AMERICAN MUTUAL LIFE INSURANCE COMPANY, Lake Charles, La. Officers: W. H. Stark, president; A. L. Watkins, vice-president and director of agents; H. H. Gordon, vice-president; C. S. E. Holland, vicepresident; Leon Locke, secretary; Leon Chavanne, assistant secretary; S. Arthur Knapp, treasurer; J. O. Sims, assistant treasurer; Dr. T. H. Watkins, medical director; Dr. W. L. Fisher, assistant medical director; Dr. A. N. Pierce, assistant medical director; Dr. R. R. Arceneaux, assistant medical director; Dr. A. G. Pearce, assistant medical director; McCoy & Moss, general counsel; Edgar Miller, auditor; John W. Harrop, assistant auditor; Horace G. Eddy, inspector; D. Z. Thompson, cashier.

Directors: W. H. Stark, H. H. Harvey, W. H. Mc-
Cullough, T. Cheney Lawless, H. H. Gordon, J. W. Link,
C. R. Brownell, R. C. Conn, W. B. Conover, S. T. Wood-
ring, B. M. Talbot, M. P. Erwin, S. Arthur Knapp, Chas.
P. Martin, H. J. L. Stark, W. E. Patterson, A. L. Watkins,
Dr. T. H. Watkins, Leon Locke.
Operates in Louisiana.

AMERICAN NATIONAL, Galveston, Texas. Officers: W. L. Moody, Jr., president; Sealy Hutchings, vice-president; L. H. Collier, secretary; W. J. Shaw, assistant secretary; J. A. Davis, comptroller; Frank Webb, treasurer and manager, loan department; F. H. Davis, actuary and manager ordinary department; J. Frank Montgomery, agency manager ordinary department; W. L. Baldwin, manager accident department; Edward Randall, medical director; Allen G. Heard, associate medical director; Paul L. Woolston, consulting actuary; Williams & Neethe, general counsel.

Directors: W. L. Moody, Jr., T. L. Cross, Sealy Hutchings, F. B. Moody, P. G. Pauls, M. O. Kopperl, J. W. Munn, B. W. Key, W. S. Keenan, John B. Haden, Edward Randall, M. L. Graves, M.D., W. L. Moody, 3d.

Operates in Arkansas, Alabama, Georgia, Louisiana, Mississippi, North Carolina, Oklahoma, Texas, Tennessee, California, New Mexico. Kentucky, Florida and Republic of Cuba.

AMERICAN NATIONAL ASSURANCE COMPANY, St. Louis, Mo. Officers: H. M. Still, president; A. G. Hildreth, Dain L. Tasker, vice-presidents; Peyton C. Jones, secretary; C. E. Salisbury, treasurer.

Directors: J. H. Farish, A. G. Hildreth, J. C. Jones, Jr., C. E. Lane, J. A. Leschen, G. M. Laughlin, C. E. Salisbury, W. W. Vanderburgh, C. E. Still, F. E. Corkwell. Eugene H. Augerth, A. J. Siegel.

Operates in Missouri, Pennsylvania, Illinois, Kansas, Ohio, Minnesota, California, Oregon and Washington.

AMICABLE LIFE, Waco, Texas. Officers: Artemas R. Roberts, president; J. Y. Wibb, vice-president; A. R. Wilson, secretary; Dr. J. L. Davis, medical director; H. M. Baine, superintendent of agencies; A. R. Roberts, A. R. Wilson, acturaries; Spell & Sanford, general counsel.

Directors: J. R. Milan, H. M. Minier, Artemas R. Roberts, A. R. Wilson, R. T. Dennis, J. P. Massey, Sam Sanger, R. B. Spencer, T. J. Primm.

Operates in Arizona, Arkansas, Califorina, Colorado, Idaho, Kansas, Louisiana, Missouri, Montana, Nevada, New Mexico, Utah, Washington and Wyoming.

ATLANTIC LIFE INSURANCE COMPANY, Richmond, Va. Officers: E. Strudwick, president and treasurer; S. W. Travers, vice-president; Henry W. Anderson, vice-president; Chas. G. Taylor, Jr., vice-president and actuary; J. H. Smith, supervisor of agents; Dr. J. Allison Hodges, medical director; Dr. Fred M. Hodges, assistant

OFFICERS, DIRECTORS AND TRUSTEES OF LIFE COMPANIES.

medical director; Roy M. Jones, secretary; H. L. McConnell, assistant secretary; Angus D. MacPhail, assistant actuary; Munford, Hunton, Williams & Anderson, general counsel.

Directors: E. Strudwick, Philip Whitlock, S. W. Travers, S. D. Crenshaw, Henry W. Anderson, J. R. Gordon, Fritz Sitterding, C. F. Logan, Hon. Asa D. Watkins, E. A. Saunders, Jr., E. L. Bemiss, Fergus Reid, Jno. W. Craddock, H. N. Phillips, F. E. Nolting, G. G. Valentine, J. D. Crump, Hon. J. Hogetyler, Wm. Kinckle Allen, Thos. S. Winston, W. M. Habliston, R. F. Bopes, Fred Harper, Jno. F. Rison, C. C. Branch, Chas. G. Taylor, Jr., H. T. Campbell, I. J. Marcuse.

Operates in Virginia, North Carolina, South Carolina, Georgia, Florida, Alabama, Mississippi, Tennessee, West Virginia.

BALTIMORE LIFE, Baltimore, Md. Officers: F. S. Strobridge, president; R. E. Bromwell, first vice-president; J. W. Pulis, second vice-president; W. O. MacGill secretary; Alfred S. Niles, treasurer and counsel; S. F. Morris, auditor; S. D. Powell, superintendent of agencies; Edw. Plummer, M.D., medical director; A. R. German, cashier. Directors: F. S. Strobridge, R. E. Bromwell, W. O. MacGill, J. W. Pulis, A. S. Niles.

Operates in Delaware, Maryland, Pennsylvania and District of Columbia.

BANK SAVINGS NATIONAL LIFE, Topeka, Kan. Officers: E. H. Lupton, president; Paul E. Walker, vicepresident and general counsel; Dr. G. J. Mulvane, medical director; E. E. Sallee, secretary; J. R. Mulvane, treasurer; Ruth Burge assistant secretary.

Directors: Joab Mulvane, D. W. Mulvane, E. H. Lupton, W. H. Davis A. C. Stich, D. J. Hanna, A. D. Walker, Paul E. Walker, Dr. Wm. F. Fee, Charles Blood Smith, J. R. Mulvane, W. M. Moore, W. N. Hall, C. M. Sawyer, Thad. C. Carver.

Operates in Kansas and Missouri.

BANKERS INTERNATIONAL LIFE ASSURANCE Officers: F. N. Briggs, presiCOMPANY, Denver, Colo. dent; J. W. Cooper, T. W. Monell, D. S. Jones, vice-presidents; Zeph. Chas. Felt, treasurer; Edwin Starkey, secretary and manager; P. Hardy, assistant treasurer; Silas Miller, assistant secretary and auditor; John W. Cooper, superintendent of agents; L. C. Wollenweber, medical director; E. L. Williams, counsel.

Directors: F. N. Briggs, D. S. Jones, T. W. Monell, Edwin Starkey, Ira M. De Long, Zeph. Chas. Felt, A. Durfee, John W. Cooper.

Operates in Colorado, Wyoming and Texas.

BANKERS INTERNATIONAL, Austin, Tex. Officers: J. L. Hunter, president; A. S. Thweatt, secretary and auditor; F. C. Hendrix, vice-president and manager; H. F. Sterzing, M.D., medical director; Chas. Rogan, counsel. Directors: J. L. Hunter, Chas. Rogan, C. C. Truitt, F. C. Hendrix, Otto Ebeling, A. S. Thweatt, H. Amberg. Operates in Texas only.

BANKERS LIFE COMPANY, Des Moines, Ia. Officers: E. E. Clark, president; S. Casady, treasurer; I. M. Earle, general counsel and vice-president; G. S. Nollen, secretary and actuary; G. Kuhns, vice-president; C. C. Blevins, superintendent of agents; Dr. F. J. Will, medical director; J. M. Bachtell, auditor and assistant secretary; G. W. Fowler, assistant secretary.

Directors: E. E. Clark, S. Casady, G. S. Nollen, I. M. Earle, C. L. Nourse, G. Kuhns, W. O. Finkbine.

Operates in California, Colorado, District of Columbia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Montana, Nebraska, New Jersey, New Mexico, New York, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Dakota, Texas, Utah, Washington, West Virginia, Wisconsin, Wyoming.

BANKERS LIFE, Lincoln, Neb. Officers: W. C.
Wilson, president; D. W. Cook, vice-president; J. H.
Harley, secretary; F. M. Sanders, treasurer; A. R. Mitchell,
medical director; E. C. Ames, actuary; M. L. Blackburn,
auditor.

Directors: W. C. Wilson, D. W. Cook, J. H. Harley,
Dr. A. R. Mitchell, E. C. Ames, M. L. Blackburn, F. M.
Sanders.

Operates in Idaho, Iowa, Kansas, Missouri, Nebraska,
Oklahoma, Oregon, South Dakota, Washington, Utah,
Illinois, Pennsylvania, Michigan, Wyoming, West Virginia,
Ohio.

THE BANKERS RESERVE LIFE, Omaha, Neb.
Officers: B. H. Robison, president; R. L. Robison, vice-
president; R. C. Wagner, secretary; W. G. Preston, treas-

urer.

Directors: B. H. Robison, R. L. Robison, R. C. Wagner,
W. G. Preston, W. O. Bridges, W. F. Milroy.

Operates in Arizona, Arkansas, Idaho, Illinois, Indiana,
Iowa, Kansas, Michgian, Mississippi, Missouri, Montana,
Nebraska, Nevada, North Dakota, Oklahoma, Oregon,
Pennsylvania, South Dakota, Texas, Utah, Washington,
Colorado, Georgia, Wyoming.

BEACON LIFE INSURANCE COMPANY OF AM-
ERICA, Indianapolis, Ind. Officers: Dr. W. E. Thornton,
president; Geo. F. Funk, vice-president; C. H. Labodie,
secretary; H. H. Woodsmall, treasurer; C. E. Henderson,
assistant treasurer and counsel; Harry Kelley, secretary and
treasurer; Thos. Hudson, Thos. A. Jones, Nat. U. Hill,
James H. Smith, F. F. Wiley, medical directors.

Directors: O. P. Woodruff, Geo. F. Funk, C. H. Labodie,
H. H. Woodsmall, C. E. Henderson, Harry Kelley, Walter
E. Thornton, James H. Smith, Nat. U. Hill, F. F. Wiley,
Thos. A. Jones, Thos. Hudson.

BENEFICIAL LIFE, Salt Lake City, Utah. Officers:
J. F. Smith, president; J. C. Cutler, first vice-president;
L. N. Stohl, second vice-president and manager; A. B. C.
Ohlson, secretary; W. R. Calderwood, medical director;
R. W. Young, counsel.

Directors: J. F. Smith, J. C. Cutler, L. N. Stohl, C.
W. Nibley, H. T. McEwan, R. W. Young, F. M. Lyman,
A. H. Lund, J. Pingree, A. B. C. Ohlson, R. Clawson, J.
A. Widtsoe, M. Austin, G. Romney, J. C. Sharp, T. Smart,
E. H. Snow, J. D. Murdoch, L. S. Hills, J. Chipman, E.
P. Ellison, W. H. Smart, J. Nelson, T. N. Taylor and J.
M. Smith.

Operates in Arizona, Idaho, Utah, Republic of Mexico,
Colorado, Nevada, Wyoming, New Mexico, California and
Oregon, and Texas.

BERKSHIRE, Pittsfield, Mass. Officers: W. D. Wyman, president; W. F. Hawkins, vice-president and general counsel; J. T. Titus, treasurer; A. C. Washburne, actuary; R. H. Davenport, secretary; J. E. Purches, assistant secretary; H. Colt, medical director; W. L. Paddock, assistant medical director; B. W. Paddock, assistant medical director.

Directors: G. T. Plunkett, W. B. Plunkett, G. H. Tucker, W. M. Crane, W. F. Hawkins, F. Weston, F. H. Wright, H. Colt, H. A. Francis, A. B. Daniels, W. D. Wyman, F. G. Crane, E. A. Jones, A. W. Eaton, John C. Crosby, Clement F. Coogan.

Operates in Connecticut, District of Columbia, Illinois, Indiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, Ohio, Pennsylvania, Rhode Island.

BOSTON MUTUAL LIFE, Boston, Mass. Officers: H. O. Edgerton, president; E. C. Mansfield, secretary and treasurer; B. W. Rowell, comptroller; F. E. Allard, medical director; P. G. Browne, assistant medical director; Wm. A. Morse, counsel; Damon E. Hall, assistant counsel; D. P. Green, actuary; Robert King, superintendent of agencies Directors: H. O. Edgerton, B. W. Rowell, W. A. Morse, W. H. Tylee, F. H. Viele, E. C. Mansfield, G. A. Carden, G. M. Cumming, G. D. Porter, T. B. Crews, D. E. Hall, W. B. Clark, W. P. McPherson, D. H. Graham. Operates in Massachusetts.

CALIFORNIA STATE LIFE INSURANCE COMPANY, Sacramento, Cal. Officers: Marshall Diggs, president; Edward F. Dalton, first vice-president; J. R. Whisner, second vice-president and agency director; J. R. Kruse, secretary and treasurer; F. L. Bishop, assistant secretary; Robert T McKisick, general counsel; Dr. Thomas J. Cox, medical director; Harold H. Buckman, actuary. Directors: Marshall Diggs, Fred W. Kiesel, Henry Brinck, T. J. Cox, A. E. Burge, L. L. McCoy, C. S. Brooks, D. I. Waltz, Henry Haile, B. F. Lynip, E. F. Dalton, J. R. Whisner, R. E. L. Morton, F. W. Stall, J. R. Kruse, R. F. Schmeiser, A. G. Folger.

Operates in Arizona, California, Idaho, Nevada, Oregon, Utah, Washington, Wyoming, Hawaiian Islands, Montana, Oklahoma, Kansas.

CAPITOL LIFE INSURANCE CO., Denver, Colo. Officers: Thos. F. Daly, president; J. F. Campion, first vice-president; Chas. Boettcher, second vice-president; Patrick Crowe, secretary and treasurer; Clarence J. Daly, assistant secretary; John H. Upton, actuary and second asst. secretary; Dr J. W. O'Connor and Dr. W. S. Bagot, medical directors.

Directors: Gerald Hughes, John Gaffy, Wm. E. Hutton, John F. Campion, Thos. F. Daly, Julius A. Myers, Clarence J. Daly, Chas. Boettcher, John A. Keefe, Samuel D. Nicholson, Chas. Connor, Patrick Crowe and John A. Ewing. Operates in Arizona Colorado, Kansas, Missouri, Montana, Nebraska, New Mexico, Nevada, Oklahoma, South Dakota, Texas, Utah, Wyoming and Idaho.

CAROLINA LIFE, Columbia, S. C. Officers: P. H.
Haltiwanger, president; A. B. Langley, vice-president and
general manager; A. H. Kohn, secretary and treasurer;
Ames Haltiwanger, assistant treasurer and auditor.

Directors: P. H. Haltiwanger, A. B. Langley, A. H.
Kohn, Ames Haltiwanger.

Operates in South Carolina only.

CEDAR RAPIDS LIFE Cedar Rapids, Ia. Officers: C. B. Robbins, president; Ed. H. Smith, vice-president; J. P. Kendall, vice-president; C. B. Svoboda, secretary; Ernest R. Moore, treasurer, Dr. G. E. Crawford, medical director; Dr. J. Lynn Crawford, asst. medical director.

Directors: Lew W. Anderson, Glenn M. Averill, Dr. G. E. Crawford, J. P. Kendall, C. B. Robbins, Ed H. Smith, S. G. Armstrong, E. J. Carey, M. W. Jones, Ernest R. Moore, Geo. A. Mullin, W. F. Severa, C. B. Svoboda. Operates in Iowa only.

CENTRAL LIFE, Ottawa, Ill. Officers: H. W. Johnson, president; W. F. Weese and C. Nadler, vicepresidents; S. B. Bradford, secretary-treasurer; W. H. Hinebaugh, general counsel; T. W. Burrows, medical director.

Directors: H. W. Johnson, S. B. Bradford, C. Nadler, T. W. Burrows, C. E. Antram, J. H. White, A. J. Roberts, W. F. Weese, W. H. Hinebaugh, W. E. Prichard, C. H. Pluess, J. A. Bowman, N. J. Cary, O. A. Johnson, D. M. Yates.

Operates in Illinois, Iowa, South Dakota, Missouri.

CENTRAL LIFE, Fort Scott, Kan. Officers: H. L. Stout, president; Geo. W. Marble, vice-president; R. S. Tiernan, secretary-treasurer; J. T. Mayall, assistant secretary; E. E. Lyon, actuary; C. A. Van Velzer, medical director; W. W. Padgett, counsel; S. M. Babbit, superintendent of agents.

Directors: H. L. Stout, Geo. W. Marble, R. S. Tiernan,
C. A. Van Velzer, W. W. Padgett.
Operates in Kansas and Missouri.

CENTRAL LIFE ASSURANCE SOCIETY OF THE U. S., Des Moines, Ia. Officers: G. B. Peak, president; William L. Shepard, vice-president; H. G. Everett, secretary, superintendent of agencies; O. C. Miller, assistant secretary; H. A. Miller, treasurer; D. W. Smouse, chief medical director; T. C. Denny, medical director; G. H. Carr, general counsel; Joel B. Peniston. actuary.

Directors: G. B. Peak, H. G. Everett, G. H. Carr, Dr. D. W. Smouse, W. L. Shepard, O. C. Miller, H. A. Miller, T. C. Denny, G. A. Peak.

Operates in Colorado, Iowa, Kansas, Michigan, Minnesota, Montana, Nebraska, South Dakota, Washington, Wisconsin, Illinois, Missouri, North Dakota, Texas, Oklahoma, Ohio, Pennsylvania, Idaho, Illinois.

CENTRAL LIFE INSURANCE COMPANY, Lexington, Ky. Officers: W. H. Gregory, president; R. E. Gregory, vice-president; Geo. D. Burdett, 2nd vice-presidnet; H. Clay McKee, treasurer; Horace Rutherford, secretary; R. L. Gregory, assistant-secretary; Dr. W. Ed. Grant, chief medical director; Dr. W. B. McClure, medical director; Dr. J. C. Lewis, asstant medical director; Judge R. W. Bingham, general counsel.

Directors: H. P. Headley, H. Clay McKee, John W. Hart, W. H. Gregory, A. J. Braud, M. R. Jacoby, Geo. B. Rice, R. E. Gregory, Geo. D. Burdett.

Operates in Kentucky.

CENTRAL STATES LIFE, St. Louis, Mo. Officers: Frank P. Crunden, president; James A. McVoy, vice-president and general manager; W. H. McBride, secretary; Dr. H. Jacobson, medical director; E. M. Grossman, general counsel; Thos. H. Galbraith, assistant secretary.

Directors: Warren Goddard, John H. Gundlach, W. L. Wright, W. D. Vandiver, J. E. Lintzenich, Homer E. Shaw, L. C. Greenlee, S. R. Fitzgarrald, Frank P. Crunden, James A. McVoy, E. M. Grossman, Cyrus Thompson, W. H. McBride.

Operates in Colorado, Idaho, Illinois, Kansas, Missouri, Montana, New Mexico, Utah and Wyoming.

CENTRAL STATES LIFE INSURANCE COMPANY, Crawfordsville, Ind. Officers: H. H. Ristine, president; Edwin M. Brown, first vice-president and manager; D. M. Peck, second vice-president; C. E. Lacey, secretary; C. V. Peterson, assistant secretary; M. B. Binford, treasurer; Dr. W. H. Ristine, medical director.

Directors: H. H. Ristine, E. M. Brown, C. E. Lacey, D. M. Peck, W. H. Ristine, M. B. Binford and C. V. Peter

son.

Operates in Indiana.

CENTRAL NATIONAL LIFE INSURANCE COMPANY, Lincoln, Neb. Officers: G. R. Whitney, Sr., president; F. B. Knapp, vice-president; A. J. Riley, vicepresident; F. J. Webb, secretary; M. C. Range, assistant secretary; E. R. Gurney, treasurer; J. F. Little, consulting actuary; C. C. Moyer, medical director; F. C. Foster,

Directors: G. R. Whitney, Sr., F. B. Knapp, A. J. Riley, F. J. Webb, E. R. Gurney.

Operates in Nebraska, Kansas and South Dakota.

CHEROKEE LIFE INSURANCE COMPANY, Rome Ga. Officers: Dr. C. L. Guice, president; E. W. Butler vice-president; R. M. Harper, secretary and treasurer; W. L. Funkhouser, medical director; Lloyd Damron, manager and agency director;

Directors: C. L. Guice, E. W. Butler, John M. Vandiver, L. O. Maxwell, W. L. Funkhouser, L. F. Finleyson, R. M. Harper, T. E. Vickers, John R. Barclay, W. W. Hartley, T. E. Lipe, J. I. Lundy, P. L. Harned, Thos. B. Johnson, T. J. Hand, H. P. Mitchell, M. T. Ormond, R. J. Pittman, James Rooney.

Operates in Georgia, Alabama, Florida, Texas.

CLEVELAND LIFE, Cleveland, O. Officers: W. H. Hunt, president; F. F. Prentiss, first vice-president; M. J. O'Donnell, second vice-president; L. Q. Rawson, secretary; W. D. Sayle, treasurer; Dr. J. C. Placak, medical director; H. W. Buttolph, consulting actuary; M. P. Mooney, general counsel; W. A. Jenkins, assistant secretary; Charles E. Gleeson, superintendent of agencies; W. E. Rice, superintendent health and accident department. Directors: W. H. Hunt, F. F. Prentiss, M. J. O'Donnell, J. H. Webster, W. D. Sayle, C. A. Otis, J. T. Murphy, E. H. Baker, D. R. Warmington, N. P. Goodhue, L. Q. RawJ. H. Webster, W. D. Sayle, C. A. Otis, J. T. Murphy. . son, C. E. Adams, H. A. Higgins, G. F. Gund, M. P. Mooney E. C. Peck, H. W. Heedy, F. A. Arter, H. C. Wick, J. C. Placak, E. W. Moore.

Operates in Ohio, West Virginia and Michigan.

COLONIAL LIFE, Jersey City, N. J. Officers: E. J. Heppenheimer, president; George T. Smith, vice-president; C. F. Nettleship, second vice-president; Dunbar Johnston, secretary; John Nevin, medical director; J. D. Bedle, counsel; George A. Huggins, actuary; S. R. Drown, supervisor of agencies; E. C. Wise, cashier.

Directors: J. D. Bedle, W. G. Bumsted, B. P. Craig, P. S. Dyer, L. Fagan, E. J. Heppenheimer, W. C. Heppenheimer, A. P. Hexamer, E. P. Meany, J. Mehl, Jr., Henry Mehl, J. Nevin, C. F. Nettleship, G. F. Perkins, R. Schlemm, B. W. Spencer, G. T. Smith, P. F. Wanser, E. L. Young, R. R. Debacher, J. W. Herbert.

Operates in New York, New Jersey and Pennsylvania.

COLUMBIA LIFE INSURANCE COMPANY, Cincinnati, Ohio. Officers: F. G. Cross, president; W. F. Robertson, vice-president and treasurer; A. C. Shinkle, vice-president; Dr. C. Weber, vice-president; E. S. Lee, vice-president; C. B. Matthews, general counsel; S. M. Cross, secretary and assistant treasurer; E. W. Hyde, actuary; W. A. Wedding, manager health and accident department.

Directors: A. C. Shinkle, W. F. Robertson, Gen. J. W. Keifer, J. S. Crowell, Capt. S. W. Davies, H. H. Hoffman, Col. C. B. Paxton, J. A. Green, Capt. R. Wilson, C. Weber, G. W. Hamilton, E. S. Lee, F. G. Cross, C. B. Matthews, F. B. Cross, J. A. DeArmond, O. F. Barrett, S. Nash, H. T. Klein, Capt. R. E. Burdick.

Operates in Ohio, Indiana, Kentucky and Georgia.

COLUMBIA LIFE INSURANCE COMPANY, Fremont, Neb. Officers: O. W. Rice, president; H. C. Mason, secretary and general manager; F. W. Arndt, treasurer.

Directors: O. W. Rice, L. G. Mason, H. W. Arndt, W. E. Taylor, W. J. Davies, R. H. Harris, H. C. Mason. Operates in Nebraska only.

COLUMBIA LIFE AND TRUST, Portland, Ore. Officers: W. M. Ladd, president; T. B. Wilcox, vicepresident; S. P. Lockwood, vice-president and general manager; E. Cookingham, vice-president; M. M. Johnson, secretary and actuary; H. C. Wilson, medical director; Wood, Montague & Hunt, counsel.

Directors: W. M. Ladd, T. B. Wilcox, W. Mackay, R.
R. Hoge, C. J. Smith, E. Cookingham, S. P. Lockwood,
M. M. Johnson, H. C. Wilson, I. D. Hunt, J. H. Vogt.
Operates in Idaho, Oregon, California and Washington.

COLUMBIAN NATIONAL LIFE, Boston, Mass.
Officers: A. E. Childs, president; F. P. Sears, vice-presi-
dent and comptroller; W. C. Johnson, vice-president and

OFFICERS, DIRECTORS AND TRUSTEES OF LIFE COMPANIES.

general manager; W. H. Brown, secretary and treasurer; G. H. Holt, Chicago; J. D. Davis, St. Louis, and T. B. Stearns, Denver, resident vice-presidents; R. E. Pierce, assistant secretary; H. L. Newton, assistant treasurer; W. King, actuary; J. Balch, director of real estate; J. S. Phelps, M.D., medical director; A. J. Calef, auditor; B. E. Hall, assistant auditor; C. A. Bennett, manager acident and health department;

Directors: C. F. Ayer, F. Ayer, J. Balch, G. W. Bright, W. H. Brown, W. M. Butler, A. E. Childs, A. Clarke, G. W. Crawford, J. D. Davis, Á. B. Daniels, G. T. Dewey, C. V. Fornes, D. H. Gordon, G. H. Holt, F. Hawkins, N. W. Jordan, W. C. Johnson, J. A. Johnston, W. I. King, F. G. Moffat, J. W. Middendorf, P. Parker, J. S. Phelps, G. Perry, F. P. Sears, J. S. Scully, T. B. Stearns, H. J. Thayer, W. Warren, F. N. Wier.

Operates in Arkansas, Califorina, Colorado, Connecticut, Delaware, District of Columbia, Georgia, Idaho, Illinois, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Nevada, New Jersey, New Mexico, New York, North Carolina, Oklahoma, Oregon, Pennsylvania, Rhode Island, Tennessee, Utah, Washington, West Virginia and Wyoming.

COLUMBUS MUTUAL LIFE, Columbus, O. Officers: C. W. Brandon, president; W. B. Carpenter, N. G. Spangler, vice-presidents; D. E. Ball, secretary; E. A. Reeder, treasurer; J. M. Sheets, counsel; C. W. Brandon, superintendent of agencies.

Directors: D. E. Ball, C. W. Brandon, W. B. Carpenter, C. P. Cole, W. Feller, G. A. Ferguson, J. S. Hanson, P. U. Hawkins, T. S. Hogan, J. D. Hollinger, W. Hoover, S. A. Hoskins, E. Kiesewetter, S. J. D. Meade, J. W. Northrup, E. A. Reeder, E. W. Schueller, J. M. Sheets, C. W. Sigrist, N. G. Spangler, S. J. Vining, H. W. Yeager, F. J. Miller, J. W. Glauner, D. D. Davis, L. M. Smith, H. B. Squibb, A. S. Thomas.

Operates in Ohio, West Virginia and Michigan.

COMMONWEALTH LIFE, Louisville, Ky. Officers: Col. J. D. Powers, president; Darwin W. Johnson, secretary and treasurer; I. Smith Homans, actuary and assistant secretary; Caldwell Norton, first vice-president; G. Woolridge, second vice-president; L. E. Cralle, third vice-president; Dr. W. F. Blackford, medical director; Burnett, Batson & Crary, general counsel.

Directors: J. D. Powers, Darwin W. Johnson, T. L. Jefferson, John M. Lassing, C. E. Hoge, M. O'Doherty, T. P. Dickinson, Caldwell Norton, H. F. Monroe, L. L. Solomon, M.D., H. B. Campbell, P. Wooldrige, J. S. Kelly L. E. Cralle, S. F. Hoge.

Operates in Kentucky and Alabama.

COMMONWEALTH LIFE, Omaha, Neb. Officers: Frans Nelson, president; Paul Wupper, first vice-president; Fred Volpp, second vice-president; F. J. Uehling, secretary; A. B. Detweiler, treasurer; Ira E. Atkinson, superintendent of agents; Clark O'Hanlon, attorney.

Directors: F. Nelson, P. Wupper, C. O'Hanlon, Geo. A. Nelson, Fred Volpp, F. J. Uehling, A. B. Detweiler, O. L. Branson, F. J. Young.

Operates in Nebraska, Iowa, South Daktoa, Kansas and Missouri.

CONNECTICUT GENERAL, Hartford, Conn. Of-
ficers: R. W. Huntington, Jr., president; P. H. Wood-
ward, vice-president; G. E. Bulkley, secretary; C. G.
Woodward, financial secretary; A. P. Woodward, secre-
tary accident department; E. B. Peck, assistant secretary;
R. H. Cole, assistant secretary and actuary; J. M. Laird,
assistant actuary; W. W. Knight, M.D., medical director;
F. C. Griswold, superintendent of agencies.

Directors: P. H. Woodward, T. Lyman, R. W. Hunting-
ton, Jr., C. P. Cooley, W. M. Storrs, C. A. Goodwin, H.
K. W. Welch, R. M. Bissell, F. Parsons, J. T. Robinson,
T. W. Russell.

Operates in Connecticut, Illinois, Maine, Massachusetts,
Michigan, New Hampshire, New Jersey, New York, Ohio,
Pennsylvania, Rhode Island, South Dakota, California,
Minnesota and Vermont.

CONNECTICUT MUTUAL LIFE, Hartford, Conn.
Officers: John M. Taylor, president; Henry S. Robinson,
vice-president; William H. Deming, secretary; Jacob H.
Greene, second secretary; Herbert H. White, treasurer;
Daniel H. Wells, actuary; John D. Parker, James Lee
Loomis, assistant secretaries; Charles Hildebrand, assistant
actuary; Harry I. B. Rice, assistant actuary; Benjamin W.
Loveland, supervisor of claims; Joseph B. Hall, M.D.,
medical director; Mark S. Bradley, M.D., assistant med-
ical director; Charles D. Alton, M.D., medical referee;
Griffin M. Lovelace, superintendent of agencies; Clarence
B. Ingraham, assistant superintendent of agencies; Herbert
F. Fisher, assistant superintendent of agencies; Arthur C.

P. Burnet, president; H. L. Cooper, vice-president; G. E. Saulsbury, second vice-president; J. D. Kurtz, treasurer; C. R. Churchman, secretary; Dr. P. W. Tomlinson, medical director; W. F. Kurtz, general counsel; M. M. Dawson, consulting actuary.

Directors: P. Burnet, Dr. H. R. Burton, J. L. Cahall, H. L. Cooper, J. H. Covington, J. E. Ellegood, G. H. Hall, W. W. Hubbard, W. F. Kurtz, J. W. Miles, J. S. Mullin, Jr., G. E. Saulsbury, De C. W. Thom, Dr. P. W. Tomlinson, G. W. Woolford.

Operates in Delaware, Maryland and Pennsylvania.

CONTINENTAL LIFE INSURANCE COMPANY, Salt Lake City, Utah. Officers: F. J. Hagenbarth, presidetn; H. C. Edwards, first vice-president and general counsel; H. N. Mayo, second vice-president and medical director; W. S. McCornick, treasurer; C. W. Helser, superintent of agenceis; M. B. Johnson, secretary; J. V. Cummings, assistant secretary; J. P. Hjorth, actuary.

Directors: F. J. Hagenbarth, H. C. Edwards, H. N. Mayo, W. S. McCornick, H. C. Wood, A. L. Stone, J. P. Murray, I. O. Rhoades, W. J. Halloran, E. L. Burton, Nelson Story, Jr

Operates in Arizona, California, Colorado, Idaho, Kansas, Montana, Nevada, New Mexico, Oregon, Utah, Washington, Wyoming.

COTTON STATES LIFE INSURANCE COMPANY, Tupelo, Miss. Officers: E. Clovis Hinds, president; W. T. Reeves, vice-president; T. H. Taylor, vice-president; I. F. Archer, secretary; S. J. High, treasurer; T. F. Elkin, medical director; Robins & Thomas, general counsel.

Directors: E. Clovis Hinds, W. T. Reeves, T. H. Taylor, I. F. Archer, S. J. High, T. F. Elkin, J. M. Thomas, Walter Spiva, M. E. Leake, J. S. Davis, J. H. Ledyard, L. M. Phillips, S. C. McNeil, J. B. Sanders, W. M. B. Cox, J. A. King, J. E. Givhan, M. M. Miller, N. A. Cramer, F. A. Thompson, A. C. Schryver.

Operates in Mississippi, Arkansas, Tennessee.

DAKOTA LIFE, Watertown, S. D. Officers: J. B. Hanten, president; J. W. Martin, D. M. Bannister and H. M. Finnerud, vice-presidents; F. L. Bramble, secretary and treasurer; T. A. Campbell, auditor; E. D. Lacy, actuary; Dr. H. M. Finnerud, medical director.

Directors: E. R. Keyes, F. L. Bramble, H. M. Finnerud; J. W. Martin, J. Scanlon, D. M. Banaster, W. B. Cannon