Every policy has endorsed thereon the cash surrender and paid-up insurance values to which the insured is entitled by the Massachusetts Statute. Pamphlets, Rates and Values for any age sent on application to the Company's office. BENJ. F. STEVENS, President ALFRED D. FOSTER, Vice-President D. F. APPEL, Secretary WM. B. TURNER, Asst. Secretary JOYCE ON INSURANCES. A treatise on Marine, Fire, Life, Accident and all other Insurances, By JOSEPH A. JOYCE IN FOUR VOLUMES OF 1000 PAGES EACH The most thorough and complete treatise and working book on this subject. Exhaustive in its entirety; exhaustive in every chapter. Containing rules and definitions, comparisons of conflicting decisions, separate chapters on technical points pertaining to particular insurance, with numerous quotations from and citations of decisions in this country, England and Canada. It is an exhaustive work, covering all kinds of insurances, so far as there are any decisions in courts of last resort. JOYCE ON INSURANCE is a cyclopædia of all legal insurance works brought up to date, and should be in the library of every insurance man-be he manager, general agent, local agent or broker. Each subject in this work is so exhaustively considered as to constitute in effect a treatise in itself. The Spectator Company are sole agents for the insurance world for this publication, and all orders must be placed through them. The four volumes are handsomely bound in law sheep, and make a valuable addition, in appearance as well as contents, to any law insurance library. Price, $24.00 net, delivered Address THE SPECTATOR GOMPANY, 135 William St., New York Gity. The Prudential Stronger Financially, and in the Confidence of the Public, Than Ever Before. A Year of Greatest Gains in Progress, Security and Usefulness. Total Payments to Policyholders, to Dec. 31, 1904, over 92 Million Dollars Number of Policies in force, nearly Increase in Number of Policies in force, over 6 Million One-half Million 5 Million Dollars Life Insurance Issued and Paid for During 1904, over 312 Million Dollars. Every Man Interested in selecting a profession that offers the A copy will be sent free on request. Prudential Agents are Money Makers. The Prudential Insurance Company of America INCORPORATED AS A STOCK COMPANY BY THE STATE OF NEW JERSEY The Letters of "Amicus" The LETTERS OF "AMICUS," originally appearing in THE STATEMENT, have amused and benefited thousands, and proved of immense value in promoting the business of life insurance. Mr. C. J. Smith, the author, has struck a vein of humor, pathos and horse sense that appeals not only to agents of companies selling insurance, but to the average man and woman in the community. The letters are valuable, because, while entertaining the reader, they lead him unconsciously to understand and appreciate the value of life insurance. Every agent should have a copy of this book for his own edification and instruction, or to make a present of to his friends. PRICE, ONE DOLLAR PER COPY, POSTPAID SEND ALL ORDERS TO The Spectator Company, 135 William St., New York The Frankfort Marine, Accident and Plate Glass Insurance Co. o f Frankfort-on-the- Main, Germany ESTABLISHED 1865 EMPLOYERS AND PUBLIC LIABILITIES, ELEVA- The assets of the Company in the United States are over U. S. DEPARTMENT, 100 WILLIAM STREET, NEW YORK, N. Y. :: :: :: C. H. FRANKLIN, U. S. Manager and Attorney :: :: |