THERE IS A SELLING FORCE IN Our Original and Unique Policies

THAT QUICKLY GIVES THE SELLER OF THEM

A PROFITABLE AND PERMANENT BUSINESS

BACK OF THIS IS A COMPANY RECORD AND AN AGENCY CONTRACT GUARANTEEING "A SQUARE DEAL"

Let us make you an Agency Proposition

The Fidelity Mutual Life

Insurance Company

Philadelphia

For Agency ALEX. MCKNIGHT, Vice-Pres.

L. G. FOUSE, Pres.

terms address

INCORPORATED UNDER THE LAWS OF THE STATE OF PENNSYLVANIA

The Philadelphia

CASUALTY COMPANY.

Head Office: Fidelity Building, 112-116 N. Broad Street

THE EMPLOYERS'

LIABILITY

ASSURANCE CORPORATION (Limited) of London, England

S. STANLEY BROWN, Esq., General Manager and Secretary

Capital Subscribed..

Capital Paid Up in Cash.

Surplus to Policy Holders exclusive of guaranteed capital..

Total Available Resources..

$3,750,000.00

750,000.00

1,979,976.29

EXECUTIVE COMMITTEE
HENRY M. ROGERS, Esq.
JOHN B. THOMAS, Esq.
CHAS. FRANCIS ADAMS, 2nd, Esq.

Samuel Appleton, Mgr, and Att'y for U. S.

UNITED STATES BRANCH

Summary of Statement December 31, 1904

Deposited with Insurance Depts. New
York, Mass., Ohio, Virginia and
Trustees..

Assets
Liabilities

7,277,050.39 Surplus to Policyholders

LIABILITY, ACCIDENT, HEALTH AND FIDELITY INSURANCE

$2,231,901.79

2,637,307.04

1,814,200.71

823,106.33

The Pioneer of Liability Insurance in the world and a leader in ACCIDENT Insurance in America

Ready Reckoner

FOR

EARNED AND UNEARNED
PREMIUMS.

READY RECKONER FOR EARNED AND UN-
EARNED PREMIUMS. A Series of Tables
designed for the Speedy Calculation of the
Sums earned and unearned on Policies of In-
surance; by the late WILLIAM ELLSWORTH, Jr.,
formerly of the Continental Fire Insurance
Company.

This new and important work is designed to furnish representatives of Fire Insurance Companies the means for instantaneously computing earned and unearned premiums. The method is the simplest yet devised, and can be comprehended by any one who is competent to understand the easiest rules of arithmetic. The tables prepared furnish a ready-made answer to all the problems relating to premiums that underwriters are required to solve. WM. ELLSWORTH, Jr., author of the Ready Reckoner, was a well known mathematician, who was long connected with the Continental and Niagara fire insurance companies, and later with the Caledonian Insurance Company. THE READY RECKONER is the result of his daily experience, and is designed to simplify the calculations required of every underwriter. 12mo., 80 Pp. Printed on fine paper and substantially bound in half leather.

Price, $5.00 Per Copy.

THE SPECTATOR COMPANY,
PUBLISHERS,

135 William Street, New York.

The Manhattan Life

OF NEW YORK

STRENGTH,

SECURITY,

SOLIDITY

ARE THE WATCH-WORDS OF THE COMPANY

Assets, $18,682,682.07
Surplus. 1,964,071.09

Live, energetic men are wanted
for several pieces of excellent terri-
tory Very interesting propositions
will be made to first class men

ADDRESS:

W. B. LANE. 2D VICE-PRESIDENT.

EVERY MODERN FORM OF POLICY ISSUED.

PREMIUM RATES OF AMERICAN LIFE INSURANCE COMPANIES.

A work of over 200 pages, embracing the Various Premium Rates of 81 American
and Canadian Life Insurance Companies

The Spectator Company announces the publication of the 1905 edition of the handy pocket-work bearing the above title. Its principal feature is the annual premium rates per $1,000 of insurance on all the leading forms of policies of eighty-one regular life insurance companies operating in the United States and Canada. The rates are so arranged as to meet the requirements of agents and others connected with or interested in life insurance, who may desire to compare the rates charged by various companies on uniform styles of policies. By means of flaps attached to the covers comparison of the rates for the more common forms of policy can be made instantly by the agent of any particular company with those of another company.

The new features in the edition for 1904 have been retained, and a table is given showing the principal items of the annual statements of the companies for each of the past three years; another table shows the ratio of dividends to premiums for the ten years ending with 1904, while tables showing dividend settlements under accumulation policies, premiums on intermediate and industrial policies aid in making this a most complete pocket compendium of information regarding premiums, dividends and financial standing. Agents will find this work an indispensable aid in their daily work.

The work is uniform with The Handy Guide to Premium Rates, Applications and Policies and Analysis of Policy Conditions. It is printed in the same handsome style and bound in flexible leather covers. Prices: Single copies, 75c; 100 copies, $60.

PREMIUM RATES AND POLICY CONDITIONS.

This work is a combination of the two separate books, "Premium Rates" and "Analysis of Policy Conditions," the price of each of which is 75 cents

This publication for 1905 combines an extensive compilation of premium rates, annual statements of companies, ratios of dividends and surplus earned to premiums, tables of dividend settlements and other information, with an analysis of the policy conditions of the several companies.

PREMIUM RATES AND POLICY CONDITIONS will be found a veritable_multum in parvo publication, with the data arranged in most convenient form for instantaneous reference. Flaps attached to each cover enable the representative of any particular company to immediately compare the premium rates or policy conditions of his own company with those of any other, a feature which is productive of much time saving.

This work is uniform with The Handy Guide to Premium Rates, Applications and Policies (which publication gives full copies of the policy contracts and a vast amount of additional information), is printed in the same handsome style, on the same quality of thin paper and bound in flexible leather covers.

231

Price of "Premium Rates and Policy Conditions," Per Copy, $1.00; 100 Coples, $100

Telephone: 232 John

ADDRESS ALL

ORDERS TO

THE SPECTATOR COMPANY, 135 William St., New York